أثر القرض التنقيطي في اتخاذ قرار منح الائتمان

Abstract

Algerian commercial banks operate in changing economic conditions in which they bear various credit risks, especially the risks of granting loans, and this is what obliges banks to find the most effective ways to estimate the risk and then try to avoid it. In developed countries, the credit score method helped them in making the appropriate credit decision and thus avoiding the occurrence of credit risks.Through this study, the drip loan method was applied to one of the borrowing institutions, and it was relied on accounting variables (financial ratios) and supra-accounting variables At the end, we concluded that the credit score method is an effective and quick way to assess the risks of the loan, and on the basis of it, a decision is taken to whether grant the loan or not.