إدارة مخاطر منح الائتمان المصرفي

Abstract EN

The nature of banking work generally necessitates dealing with risks, as there is a time interval between granting credit and paying installments, and the operations of granting bank credit, like all investment operations, are based on the theory of possibilities, in which failure is included as well as success.

Success has its causes, and failure has its causes as well, and adopting the reasons for success is the way to prevent failure.

Credit risks calculated in all forms of credit (cash - pledge) are like the risks of the profession that do not frighten those who practice it, and if the credit risk is achieved, it is due to several reasons, including lack of inquiry On behalf of the customer requesting credit, or failure to take sufficient guarantees from him, or failure in credit study and analysis.

Therefore, banks resort to preventive means that will prevent the occurrence of credit risk, and banks also resort to remedial means that will reduce the severity of the credit risk when it is achieved.