دور محددات المخاطر الإقراضية للمؤسسات في تسيير القروض لدى البنوك التجارية : دراسة مجموعة من البنوك التجارية

Abstract EN

The Bank of Algeria is trying to direct banks in managing their credit risks towards economic institutions by imposing a set of financial and legislative restrictions and obligations, but the commitment of commercial banks to these restrictions remains varying from one bank to another, given the complexity of the procedures for implementing risk governance agreements, this study aims to present the mechanisms of managing risks in landing for a group of commercial banks and to identify their key determinants towards economic institutions, by conducting a field study of managing risks in landing for three public and private commercial banks and analyzing their information in order to determine the extent of their field commitment of the precautionary measures in landing.

We have come through this study to a set of results that shows that the private sector was stricter in managing credit risk than the public sector, which was far from its optimal management, therefore public banks must be more careful and stricter in granting loans.