محاولة تقدير خطر القروض البنكية باستعمال طريقة القرض التنقيطي : دراسة حالة البنك الوطني الجزائري فرع ولاية ميلة

Abstract EN

The process of granting bank loans is always accompanied with risks.

In fact, there is no process for the granting of loans without risks that differ in nature and degree of severity.

The aim of this paper is to try to assess the risk of loans as approved in various developed countries using a statistical approach (credit scoring) and we will try to apply it to the BADR (Bank of Agriculture and Rural Development) Bank in Algeria.

The paper is articulated as follows.

The first part is concerned with the theoretical issues of the Credit scoring method, whereas the second part we will be dealing with an analytical description of the situation of the BADR bank (Algeria).Conclusions and Recommendations are given in the last part