دور الاستعلام المصرفي في اتخاذ القرار الائتماني في البنوك التجارية : دراسة حالة البنوك التجارية الجزائرية

Abstract EN

Algerian commercial banks are developing credit policies to deal with the customer, in order to achieve the established goals, including the appropriate credit decision-making.

This research aims at highlighting the role of banking inquiry in making the credit decision, which is an opportunity for profit or loss, in Algerian commercial banks.

The research concluded that there are a number of results, the most important of which is that the banking inquiry has a role in identifying and categorizing clients and thus determining the appropriate volume of financing; reduce credit risk and enhance trust between banks and customers as well as speed and accuracy of electronic inquiry and a relevant selection of clients.