Abstract

The banking system of more regulations that involve risks, and The bank loans the main service and the most important source for revenue for the bank business , and as important as loans as a source of revenue as much as a real source of risk, which is the biggest threat faced by commercial banks, where there is no loan without risk. , and in this situation commercial banks are obliged to assess those risks, in predicting these risks to reduce them to a minimum and in record time. The oversight focused on the risks one regulatory tools and techniques new operating system modernization control in banks and reduce the increasing credit and banking risk.This study aimed to recognize the role of internal control system in credit risk management on the Bank of Agriculture and Rural Development , a questionnaire was prepared for the purpose of the study that was reached by answers of the study sample. The main result of this study shows remarkable there is effective contribution to the internal control system function in the process of credit risk management in the Bank of Agriculture and Rural Development, and that to the all steps of the risk management process, the identify, evaluation and risk response. The researchers recommended the need for attention to find out how effective and efficient internal control system in the Algerian banks, and to examine the efficiency of credit risk management.

DOI:10.52113/6/2015-5-1/1-62