دور الاستعلام الائتماني في الحد من تعثر التمويل بالمصارف التجارية العاملة بالسودان : دراسة ميدانية

الملخص EN

The aim of this study is to explain the role of credit information system in reducing credit default; providing a database about all clients; contributing to the growth of finance and investment portfolio; and providing high-quality banking services.

The research problem addressed the following questions: does credit information system helps to provide database and information on all clients of the banking system? Do the credit bureau agencies help in reducing the risk of default and failure or delay in payment? Will the availability of information about customers assists in achieving high quality financial services? The research adopted the descriptive analytical method using statistical techniques for the analysis of the results.

The research major findings include: the implementation of the credit information system limits financial defaults by clients of the banking system in Sudan; thus leading to improvement in the financial performance of the Sudanese commercial banks.

The research main recommendations include: the necessity to implement the credit information system in Sudanese banks to reduce financial defaults; as well as checking the efficiency of supervisory and administrative and financial follow-up of the banking system which contributes to reducing the risk of defaults.