تقييم آليات إدارة المخاطر الإئتمانية في البنوك التجارية

Abstract

Abstract This study aims at assessing the credit risk management mechanisms adopted by banks and developing an integrated framework that helps banks to develop credit risk management in accordance with the Basel II and Basel II supervisory standards. Basel Committee 1 includes capital adequacy ratio، It focused on three pillars: minimum capital، regulatory review and market discipline. With the need for banks to rely on modern models in their estimation of risk rather than the classical methods for the better use of information on the one hand and time profit on the other hand and the need for permanent monitoring of the officials of banking institutions for their employees، especially if we know that the scope of study applications somewhat long and the application of new technologies in Providing loans Today، banks are required to develop their risk measurement methods and introduce modern risk management tools. They must incorporate risk management into their organizational structures and take advantage of Basel II recommendations on risk management.