فرع ورقلة للفترة الممتدة بين 2004-2019FGARدور صناديق ضمان القروض في التقليل من المخاطر الإئتمانية في البنوك التجارية - دراسة ميدانية لصندوق القروض

Abstract

Loan guarantee funds are among the approved bodies that institutions resort to in order to guarantee them with the bank in case of default, on the other hand the bank considers the source of guaranteeing its loans and protects it from exposure to the risk of non-payment. Our study aims to identify the role of loan guarantee funds as a guarantor body against the risk of non-payment to which any bank is exposed when granting loans, through a currency mechanism and the ratios that it covers in the event of guaranteeing any loan. We have relied in our study on the descriptive and analytical approach due to the nature of the subject and its suitability and on Case study curriculum in order to project theoretical study onto reality. The study boundaries are summarized in the period from 2004 to 2019. One of the most important results that we have reached is that the Loan Guarantee Fund contributes significantly to reducing these risks by guaranteeing it in the institutions requesting the loan with smooth handling of the files of the institutions requesting the guarantee, and this is what we have noticed through the mechanism of the fund’s work.