دربال, سارةجبوري, نسرينبنونة, سامي محمد2025-09-082025-09-082025http://dspace.univ-temouchent.edu.dz/handle/123456789/6796This study focused on analyzing the loan granting policy as one of the fundamental pillars of banking activity. Loans are a key tool for stimulating investment and generating profits for the bank, while also aiming to reduce the risks associated with clients failing to meet their financial obligations. Loan approval relies on a comprehensive and precise analysis of the legal, financial, and economic data of the institutions requesting financing, as this forms the foundation upon which lending decisions are based. Keywords : Loans , Bank loans and their risks, Credit, Guarantees, Risk centralization 82otherLoans , Bank loans and their risks, Credit, Guarantees, Risk centralization 82Thesis