كلية التجارة
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Item مدى استخدام التحليل الائتماني والمالي في المصارف السودانية(جامعة النيلين, 2007) الام جون مجاكAbstract This study aimed to highlight the importance role offered by sound credit analysis to credit decision maker in commercial banks through valuable information it can provide about the client’s past, present and filture performance . The problem of this study was that; Commercial banks don’t pay credit analysis much attention when judging client creditworthiness when providing bank facilities . On testing the relation between applying credit analysis in unscientific way and the increase of defaulters . The following hypothesis were examined . 1/ application of credit analysis, minimize loses that may be incurred. 2/ applying credit analysis methods which are suitable to Sudanese economic and fiscal system leads to correct result on banking practice. 3/ credit analysis can not be done effectively and efficiently without qualified people . The above hypothesis were proved, and number of findings were reached as follow:- l/ Commercial banks neglect implementing an obvious credit risk management policies . 2/ Commercial banks neglect applying credit analysis on balance sheet and income statement. 3/ Commercial banks do not ask, prepare cash flow statement which asked from applicants .Main Recommendation: l/Commercial banks have to set a firm, clear, and detailed credit policy. They should update their credit policy from time to time therefore to be able to confront any changes may happen in, economic, social, and political situation that could rise any risk . 2/Commercial banks should ask their customers to provide cash flow statement as one of their conditions to accept applications for loans. 3/Feasibility studies which provided by customers should be done in a scientific method. C J