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Use programming model aims to rationalize Credit risk decisions An Empirical Study of the Middle East Investment Bank | ||
| Journal of Administration and Economics | ||
| Article 1, Volume 0, Issue 105, 2018, Pages 234-251 | ||
| Authors | ||
| Prof. Saad Hamid Nour Achammrta; Maha Mezhar Mohsen | ||
| Abstract | ||
| According to the changing circumstances and many variables that surrounds banking business, the administrations of banks all over the world emerge increasing interesting and focusing on the proper principles in the field of good and proper decision-making which based on proper and obvious policies and strategies building , enabling them to reduce risk . Besides a continuous quest to create tools and scientific methods that prevent and manage risks and commensurate with the scope and the extent and nature of the activities of banks and improve its work. As a result of the huge expansion of the volume of banking activity, administrative problems became on the high degree of complexity, and traditional methods that relying on subjective experience of the decision-maker and trial and error became ineffective to solve these problems, particularly those decisions which are related to the important side of banking, , including credit risk. So, adapting quantitative methods become significant to describe, diagnose and determine these risks and to issue the proper procedures to confront and euphemize them, precisely the method to programming goals to rationalize their credit decision which has high flexibility to deal with the set of variables that surround the banking business and various goals that bank seeks to achieve. Moreover this research aims at define a set of priorities for the banking sector depending on the process of credit and loans, and would streamline decision-making process and minimize credit risk. | ||
| Keywords | ||
| Statistical axis | ||
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