نمذجة اتخاذ قرار منح الائتمان في البنوك التجارية العاملة في ولاية الشلف

Abstract EN

The purpose of this paper is to investigate the various models used by commercial banks for the credit granting decision.

We relied on the deductive approach.

We have found several models that we put it in four sections: the qualitative models, prediction failure models, standard models and structural models.

We have used the Discriminant Analysis model to estimate a prediction failure model for a sample of 35 corporates borrowers from commercial banks working in Chlef during the period 2006-2015.

We have built a proposed model for predicting failure consists of 13 variables.

This model have made a correct prediction rate of 86, 2 percent.