معايير منح الائتمان المصرفي : دراسة مقارنة

الملخص EN

The banks work before deciding to grant bank credit to take note of the risks that will be exposed to them when granting credit by identifying the sources of those risks.

The latter is the result of common factors that all contribute to its realization, even if the contribution of each factor differs from the contribution of the other factor.

And if the main factor, as banking studies indicate, is the result of the unwillingness of the customer (the debtor) to repay the loans he owes, or his inability to achieve the appropriate income for the purpose of returning the loan amount.

Therefore, there are criteria that banks rely upon when granting credit to help them analyze and identify the risks that accompany the process of granting bank credit.