أثر تحليل الائتمان في تكوين محفظة قروض غير متعثرة : دراسة تطبيقية على بنك اليمن الدولي فرع سيؤون

الملخص EN

When the bank faced the problem of assessing credit risks associated with the loan, and tries to control or mitigate the effects of which may extend not only to the failure of the bank to the expected return of the loan, but rather to the loss of money lenders themselves, without the lending bank to lose its main function as a financial intermediary in the economy.

But his main lender risky, because of bad loans and facilities.

Given the importance of the matter, the study also discussed the granting of credit and the study conducted on requests credit facilities in International Bank of Yemen branch Say'oun compared with the basic pillars of the credit analysis, to identify and promote the positive aspects, as well as shortcomings and provide suggestions and recommendations and work to provide a standard for credit can prevent Bank of stumbling and falling into a financial crisis and contribute to the rationalization of bank lending and loan portfolio to achieve high quality.