تسيير مخاطر البنكية باستخدام القرض التنقيطي

Abstract EN

Loans play an important role in the country's economic development because they are the means of providing the necessary funds to individuals and enterprises in society and are at the heart of reviving the development of the national economy.

However, the process of granting loans goes hand in hand with risk tolerance, and there is no credit process without risk, with a different nature and degree.

This makes it imperative for the Bank to ensure the sound financial situation of the borrower as a major step before making the lending decision, so banks were still seeking to get to the reality of the Access to the reality of the financial situation of the institution, including the classic methods that rely mainly on financial analysis and due to its limitations have been transformed into statistical methods with more accurate results, most notably the method of the purity loan based on discriminatory analysis.

The study aims to find a function that will separate and distinguish healthy institutions from those that are incapacitated through a range of accounting and non-accounting variables to help the bank in question, represented by the Algerian popular loan in the state of Al-Bayd, based on a sample of 50 institutions, 40 sound institutions and 10 incapacitated institutions that faced difficulties in repaying the bank's loans.

The discriminatory function has contributed to identifying the necessary basic elements of a number of financial ratios responsible for the financial integrity of the institutions under study.

The study found that the use of the loan helps and facilitates the decision-making of the loan because it absorbs simultaneously a large number of factors and variables related to the decision to grant the loan, and also addresses a significant number of institutions requesting the loan in the same process, and found that Algerian banks in general do not use modern methods in making the decision to grant loans, which negatively affects the recovery of its funds and therefore affects the return of the bank.