ABSTRACT
The banking sector is growing rapidly in Comoros unprecedented with the arrival of new
banks and financial institutions,from three to nine over the past six years. The expansion of the
banking sector shall be controlled and evaluated in a stable financial environment. Since banks
are the causes of Comorian great risk because they do not possess the essential standards to cover
the risks for the banking industry, this event strengthens the importance for bank to develop,
maintain and update their risk management frameworks. Risks and risk management play an
important role in any business but an exceptionally important one in the case of banks. Any
problems faced by the bank affect immediately its clients and indirectly all subject which are
interlinked with the bank itself or its client. Therefore,the banks need to make sure that all the
risks they run are being well managed. This research seeks to analyze the major credit risks faced
by banks and give suggestions strategies to cope against these risks. For example To reduce the
lender's credit risk, the lender may perform a credit check on the prospective borrower, may
require the borrower to take out appropriate insurance, such as mortgage insurance or seek
security or guarantees of third parties, besides other possible strategies. In general, the higher the
risk,the higher will be the interest rate that the debtor will be asked to pay on the debt. As then
The Central Bank of Comoros shall put optimal development, serene and secure banking and
financial institutions, including decentralized financial institutions so as to put the suggested
strategies on work.
Keywords: Comoros, Credit Risk,Management,Banking sector, Saving,Deposit, Fund.
中文摘要
银欧亿·体育（中国）有限公司在科摩罗取得了前所未有的快速发展,过去六年里新的
银行和金融机构从三个增加到九个。银欧亿·体育（中国）有限公司的扩张应当在稳定的金
融环境得到控制和评估。由于不具备涵盖风险的必要的银欧亿·体育（中国）有限公司标
准,银欧亿·体育（中国）有限公司给科摩罗带来了巨大的风险。这个事件加强了银行幵
发、维护和更新他们的风险管理框架的重要性。风险和风险管理在
任何商业业务中都发挥着重要作用,但对于银欧亿·体育（中国）有限公司却显得更为重
要。银行面临的任何问题都会直接或间接地影响到它的客户和所有
与银行相连的事物。因此,银行需要确保所有的风险都得到良好的
管理。本研究旨在分析银欧亿·体育（中国）有限公司面临的主要信贷风险以及应对这些风
险的战略建议。例如,为了减少银行的信贷风险,贷款人可以进行
准借款人的信用调查,可以要求借款人出具适当的担保,如抵押贷
款或者寻求第三方的担保,或者其他可能的策略。总的来说,风险
越髙,要求债务人支付债务的利率也越高。因此,科摩罗中央银行
应优化银行和金融机构的发展、稳定和安全性,包括分散的金融机
构,从而提出工作建议。