Analysis and management of credit risk in Morocco

Analyse et gestion du risque de crédit au Maroc

Yousra El Hajel, Abdenbi El Marzouki and Hassane Zouiri
Additional contact information
Yousra El Hajel: UM5 - Université Mohammed V de Rabat [Agdal]
Abdenbi El Marzouki: UM5 - Université Mohammed V de Rabat [Agdal]
Hassane Zouiri: UM5 - Université Mohammed V de Rabat [Agdal]

Post-Print from HAL

Abstract: Risk is inherent in all human activity, especially when doing business. In banking, risk is an element that we experience on a daily basis. Indeed, the bank's main activity being to distribute credit, the risk of non-repayment is omnipresent. Credit is a recurring operation, especially in our environment where liquidity is almost non-existent among customers (companies, individuals). Indeed, they always have needs to satisfy such as financing their operations, their consumption, payment of salaries and taxes, etc.. Therefore, the bank-client relationship is better expressed in the facilities, which is why the bank must set limits to counteract the excesses and defaults that may occur during the relationship. In general, the main default borne by the bank is the credit risk that it must circumscribe by a good definition and a good analysis in order to have a correct measurement when it lends to such or such customer (individual or company). Thus, the purpose of this paper is to analyze the evolution of credit risk management in Morocco. It is, first of all, to make a credit progression in a fragile banking system in Morocco, then, The management of credit risk in Morocco and the conclusion

Keywords: Risk Management; Credit Risk; Compliance with Prudential Regulations; Moroccan Banks (search for similar items in EconPapers)
Date: 2020-10-22
New Economics Papers: this item is included in nep-ban and nep-rmg
Note: View the original document on HAL open archive server: https://hal.science/hal-03107867
References: Add references at CitEc
Citations:

Published in AMENET THE EUROPEAN UNION, MEDETERRANEAN AND AFRICA INTEGRATION IN THE GLOBAL AGE, Oct 2020, MADRID (virtual), Espagne

Downloads: (external link)
https://hal.science/hal-03107867/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-03107867

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().