أحمد علي, زهير2016-08-152016-08-152016-08-011858-6228http://hdl.handle.net/123456789/2932The study aims to explain the concept of banking credit & risks and constraints facing the process of banking credit to explain the treatment process. The important of the study the represent in filling knowledge gap, the research questions are: what is the impact of using banking credit policies in reducing banking credit risks, the research findings are: implementation of using banking credit policies