التقييم المالي للمشاريع الاستثمارية و التمويل البنكي لها في ظل المخاطرة : دارسة حالة : وكالة البنك الوطني الجزائري "BNA" بأم البواقي

الملخص EN

Banks are institutions of a special nature that face returns and risks of various forms at the same time.

The risks are an integral part of the banking business, especially with the intensification of competition and technological development and the increase in the volume of banking transactions.

In order to limit them, , Etc.), although the policy varies from one bank to another, but there is no significant difference due to procedures, criteria for the granting of credit, and on this basis there is no credit operation for any risk-free bank.

To achieve this, the bank is in the process of financial analysis.

The latter contributes to determining the financial position of the institution and to determining its strengths and weaknesses, which help it to decide whether to grant the loan or not, to determine the ability to generate cash flows sufficient to conduct its operations and to fulfill its obligations.