Determinants of delinquency and bank credit risk management

The banking environment has become very unstable and vulnerable to the various fluctuations of the monetary sphere driven by the phenomenon of globalization. The risk is more and more present, influencing not only the activity of financial intermediation but also those related and auxiliary to the banking structures. Faced with these various disturbances, banks are increasingly threatened by a variety of risks that affect their activity and positions on the financial market. More and more, banks are facing huge circumstances driven by the lack of risk control. So sensitive, the control of the banking risk is a strategy based on adapted design models. Risk reduction is a scientific approach born of reasonable strategic processes. Risk assessment is a determining factor in any decision making. It is all too often intuitive in day-to-day operations, but can be formalized through precise strategies. Risk is therefore one of the current challenges for managers, to define, measure and manage it in order to improve performance.