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Register a new userAn An alytical and Critical Study of Credit worthiness Factors
دراسة تحليلية نقدية لعوامل الجدارة الائتمانية
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تهدف دراسة الجدارة الائتمانية لعملاء الائتمان إلى التعرف على الجوانب التي قد تقود إلى تعثر العميل مستقبلاً في سداد الائتمان الممنوح و أعبائه، و هو ما يتطلب تحديداً مسبقاً للعوامل المؤثرة فيها، و ذلك في سبيل تجنب المخاطر التي قد تقع مستقبلاً و تقود إلى التعثر. و يسعى هذا البحث إلى دراسة أهم عوامل الجدارة الائتمانية، و تحليلها إلى عوامل مالية و شخصية، مع بيان أثر كل منها في الجدارة الائتمانية. اعتمد البحث على المنهج الوصفي التحليلي في عرض نماذج الجدارة الائتمانية، و دراسة و تحليل عواملها المالية و الشخصية بغية التعرف على العوامل الأكثر تأثيراً في الجدارة الائتمانية لعملاء الائتمان. و قد توصل الباحث إلى مجموعة من النتائج أهمها، تحليل عوامل الجدارة الائتمانية إلى عوامل شخصية كالسمعة العلاقة مع المصرف المُقرض و المصارف الأخرى، و العلاقة مع الجهات السيادية، و عوامل مالية كدراسة القوائم و النسب المالية و التنبؤ بالفشل المالي. أما أهم توصيات البحث فهي ضرورة تقسيم عوامل الجدارة الائتمانية إلى عوامل شخصية و عوامل مالية في أي نموذج يقترح لتقييم الجدارة الائتمانية، و أن بعض العوامل الشخصية كالسمعة من ضمن العوامل الشخصية، والتنبؤ بالفشل المالي من ضمن العوامل المالية ستحدد قيمتها باستخدام الثنائية [0،1]، و أن يتضمن أي نموذج للجدارة الائتمانية أهم العوامل الشخصية و هي إضافةً إلى السمعة العلاقة مع المصارف و الجهات السيادية، و الاستعلام المصرفي، و أن لا تكون الضمانات منطلقاً للمنح في أي حال من الأحوال، فالمنطلق ينبغي أن يكون في الغاية من القرض، و أن تولى الزيارة الميدانية أهمية كبرى في تدعيم مصداقية البيانات المالية للعميل، و الاهتمام بتحليل التدفقات النقدية لضمان وجود تزامن بين سداد الأقساط و التدفقات الداخلة.
The study of clients creditworthiness aims to identify the aspects that may lead the client to a tumble in the future in the credit and burdens repayment, which requires an advance specific of the factors affecting it, and in order to avoid the risks that may occur in the future and lead to tripping, this paper seeks to study the most important factors of creditworthiness, and analysis to financial and personal factors, and determine the impact of these factors on creditworthiness. The researcher depended on the descriptive analytical approach in the presentation of the creditworthiness models, and to study and analysis of financial and personal factors in order to identify the most affecting factors in the creditworthiness of the credit clients. The researcher has reached to set of results, most important to analysis the creditworthiness factors to personal factors such as reputation, relationship with the lender and other banks, and the relationship with sovereign entities, and financial factors such as studying statements and financial ratios and predict financial failure. The most important recommendations of the paper the need to divide the creditworthiness factors to personal and financial factors in any model is proposed to assess creditworthiness. some personal factors such as reputation belongs to personal factors and predict financial failure belongs to financial factors will determine the value using a dualism [0,1], and any model creditworthiness must include most important personal factors which in addition to a reputable, relationship with banks and sovereign entities, and query the banking, and that the guarantees not be a starting point for grants in any case, the starting point should be in the purpose of the loan, and that the field visit attaches great importance to the strengthening of the credibility of the financial statements of the client, and interest in analyzing cash flows to be synchronized between the payment of premiums and inflows.
References used
Gapko, Petr;Smid, Martin. Dynamic Multi-Factor Credit Risk Model with Fat- Tailed Factors, Journal of Economics and Finance, Vol. No. 62, Issue No. 2,2012
Feschijan, Daniela.Analysis of the Creditworthiness of Bank Loan Applicants, Economics and Organization Journal, 3 November 2008, Vol. 5, pp 273- 280
Moscardini, Alfredo; Loutfi, Mohamed; Al-Qirem, Raed.The Use of System Dynamics Models to evaluate the Credit Worthiness of firms, International Conference of the System Dynamics Society, 23rd July 2005, p 273
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