Management Of Bank Credit Risk And Its Impact On The Cash Flow:the Case Of The Commercial Bank Of The Democratic Republic Of Congo. From 2009 To 2016

This study was conducted at the Commercial Bank of the Congo.This bank is among the banks that have resisted the threats of bankruptcies and risks in the Congolese environment.It is therefore important to study how the BCDC manages the credit risk for an effective policy.The purpose of the study was to analyze the risk management of bank credits and its impact on cash flow.The documentary analysis on the various financial reports of eight years examined this secondary data.They have been diagnosed and treated.To analyze this data,the study used three groups of ratios.The first group to analyze the risk management of bank credits,the second cash management and the third efficiency.The calculated ROA and ROE cash ratios have shown that the management of BCDC Treasury allows it to deal with threats and risks.DAR,CIR,NIR,and NIER have shown that the risk management of bank credits helps to cope with these financial commitments.To this end,using a longitudinal study design and a random effects model specification,a Panel finds that the generalized least-squares regression was performed on the data using the Eviews software.The cash ratios were considered as dependent variables and the other ratios as independent variables.Two estimating models were produced.The study adopted the significance threshold of 5%and two non-directional assumptions ROA and ROE.The results of these twthe risk management effectiveness of bank credits.The study concluded,at a level of o regression models indicated that ROA and ROE do not have the power to predict significance of 5%,CIR,DAR,NIR,and NIER statistically significant effect on the performance of bank shares.However,the credit risk ratios have statistically negative effects.Credit risk managers should be less concerned with adjustment in CIR,DAR,NIR and NIER ratios.They must optimize the management of credit risk ratios in order to seek the significant effect of ROA and ROE on the performance of CIR and DAR.Future studies should consider longer study periods and more independent variables in order to bring out the true image of the effect the independent variables on the study-dependent variables.