اهمیة استخدام النماذج الاحصائیة فی الکشف المبکر عن حالات التعثر الائتمانی على مستوى البنوک -دراسة تحلیلیة-

This paper aims to highlight the importance of using statistical models in predicting the problem of credit default on the bank level, in light of the shortcomings of traditional tools of financial analysis in the early detection of failures of the credit process between banks and their borrowers, which has led the attention of bank credit analysts to use more accurate and effective statistical models, which in turn take the tools of financial analysis as a base for it.the study found several results; the most important one is the possibility of preferring the use of the logistic model in the early detection of the problem of credit default in banks compared to the rest of the models, because of the simple assumptions of its use and ease of application in the banking business environment.