Analysis and management of credit risk in Morocco[Analyse et gestion du risque de crédit au Maroc]

Risk is inherent in all human activity, especially when doing business. In banking, risk is an element that we experience on a daily basis. Indeed, the bank's main activity being to distribute credit, the risk of non-repayment is omnipresent. Credit is a recurring operation, especially in our environment where liquidity is almost non-existent among customers (companies, individuals). Indeed, they always have needs to satisfy such as financing their operations, their consumption, payment of salaries and taxes, etc.. Therefore, the bank-client relationship is better expressed in the facilities, which is why the bank must set limits to counteract the excesses and defaults that may occur during the relationship. In general, the main default borne by the bank is the credit risk that it must circumscribe by a good definition and a good analysis in order to have a correct measurement when it lends to such or such customer (individual or company). Thus, the purpose of this paper is to analyze the evolution of credit risk management in Morocco. It is, first of all, to make a credit progression in a fragile banking system in Morocco, then, The management of credit risk in Morocco and the conclusion