Modélisation du risque de solvabilité des PME : une application de la méthode du crédit scoring

Abstract

The question of choosing a decision support tool to assess borrowers solvency risk has always been one of the major concerns of financial institutions. The purpose of this article is to demonstrate the superiority of the credit scoring method, widely answered in countless global financial institutions, compared to the classical financial analysis method, mainly used by the majority of banks in Algeria, on a sample of SMEs from the Algerian private sector.