Evaluate the effectiveness of bank credit management _ a conceptual framework

Abstract

Bank Credit is the most attractive of all investment domains for commercial banks for its high rate of all investment .this investment is the most active in achieving the intended interest as the concept of credit is basically Pertinent to loans the importance of bank credit is reflected through its difference from trade credit .the latter is represented by debts and stemming from deferred trade transactions resisted in bills of exchange. bank credits are less cost than trade credits particularly when the money discount granted to the trader upon clearing before the due date is not utilized .thus, many traders resort to getting a bank credit for a limited period of time to utilized the money discount .Due to the increasing importance of the bank credit, it becomes so necessary for commercial banks that wish to prove their efficiency to follow the most recent techniques to assess their credit management this topic is becoming more important in a country such as Iraq.The present research tries to show how to develop the traditional system performance assessment of commercial banks to keep pace with the challenges they face. this is done through discussing the most important approaches of bank performance assessment and focusing on the most important standards to evaluate efficiency management of the traditional as well as modern credits.The research consists three sections focusing on the concept of effectiveness organizational efficiency, and the traditional as well as modern approaches of credit effectiveness management assessment.