دور الاستعلام الائتماني في تطوير الصناعة المصرفية

Abstract EN

In general, the banking industry witnessed some of risks, especially the credit risks, and its negative effects, therefore, many of Arabic countries had directs to develop it capability for acquisition on credit bureau systems to collect the positive and negative information about loaners to be capable for anticipation the banking loans in the good level of security, beside the development of infrastructure of banking sector and payment system and the develop of financing opportunity.

This research aims to proposed and analysis of the scope and depth of credit information and analysis of the effect of credit bureau on the industrial banking by regression analysis, and advancement the suggested model for Arabic credit bureau in the Arab counties and its role in the development of industrial banking to reduce the banking risks levels and the rate of pure loans.

This research conclude that the raise of credit information depth indicator in common Arabic countries researched and its reflects on the minimize the pure loans rate, and the positive effects of credit bureau systems in the development of Arabic industrial banking.