محاولة التنبؤ بتعثر الإئتمان البنكي باستخدام نموذج Sherrod في البنوك التجارية الجزائرية : وكالة بنك الجزائر الخارجي لولاية المسيلة نموذجا

Abstract EN

This article aims to highlight the importance of applying the Sherrod model in the banking business environment, as an important means of predicting the probability of defaulting institutions borrowed from banks, thus controlling them.This model has been applied at the level of the Algerian External Bank – Msila Agency, by dropping model variables on the financial statements extracted from the financial statements, For a group of sound and troubled institutions, which have already received credit from the Agency.

The study found that the quantitative variables of the model, which is represented in six financial ratios, has been able to classify institutions between sound and stumbling, in accordance with the factual situation.

Which proved the effectiveness of using the Sherrod model in the banking agency under study in particular, and its applicability at the level of Algerian commercial banks in general.