دور إدارة المخاطر الائتمانية في الحد من مشكلة التعثر الائتماني: دراسة حالة مجموعة من البنوك التجارية العاملة في الجزائر

Abstract EN

This research paper aims to study the problem of credit default, by analyzing the role of credit risk management in mitigating its severity and avoiding its effects and minimizing the risks resulting from it to its lowest levels, with the aim of ensuring the survival, continuity and profitability of banking institutions.

this study included a group of commercial banks operating in Algeria, through a questionnaire distributed to the employees of the credit risk interests of these banks in each of the states: M'sila, Biskra, Setif and Tipasa.

it was concluded that the financial default occurs because of factors specific to the bank and the customer together, such as granting credit facilities.

credit risk management reduces financial default, such as diversifying credit portfolios, for example.

for the soundness of the financial structure of banks, they must adhere to sound foundations and controls for risk management to ensure their continuity and success, including the decisions of the Basel committee.