Credit risk management by commercial banks in Algeria : field survey of banks in the municipality Bejaia

Abstract EN

The main objective of this article is to identify the different methods of credit risk management used by commercial banks in Algeria, through a qualitative study, based on a field survey.

Thus, we designed and distributed a questionnaire of 47 questions to all the banks located in the city of Bejaia.

The processing of the data collected was carried out by the SPHINX IQ2 software.

The results of our study show that the classic method of credit risk management, based on financial analysis, is no longer the only method used by banks to control these risks.

The second method, scoring, is based on its own methods of statistical analysis.

But, the safest and most reliable method remains that which is based on the requirements of credible and solid guarantees.