The Impact of Corporate Governance Commitment on its Evaluation to get Credit from Commercial Banks With Empirical Study

The purpose of this study is to identify the importance of activating corporate governance, which is based on the credit decision of both the company and the commercial bank of the lender. In order to achieve this objective, all aspects of this relationship have been studied and analyzed in the theoretical part of the research, by identifying the development of the concept of corporate governance and the requirements of activating the principles and mechanisms of this governance, taking into account the development of the governance framework in Egypt And finally reviewed the importance of activating the principles and mechanisms of corporate governance for companies in general and borrowing companies in particular. As a result of the multiplicity and overlap of many actors for corporate governance, no single corporate governance concept has been agreed upon. Many of these definitions, however, focused on the importance of balancing all these parties by increasing the transparency and credibility of information and making it available to all parties at the same time and without prejudice. The Egyptian governance experience is one of the pioneering experiences in the region, as a result of the concern of the corporate governance authorities in Egypt to update their issuance according to the international developments. The Egyptian Corporate Governance Guide issued in August 2016 is a comprehensive framework that complies with the challenges of corporate governance in today's business environment. The recommendations of several corporate governance reports around the world as well as the results of several accounting research have agreed on the importance of activating the principles and mechanisms of corporate governance for the company and for all stakeholders of governance at the regulatory, legal, economic and social levels. Governance compliance helps businesses optimize their resources by increasing their operational efficiency, profitability and market value. It also helps to avoid conflicts between all parties of governance, achieve the best rates of growth and sustainability, and ultimately increase business opportunities in obtaining financing opportunities at lower cost. By raising its credit rating. In order to obtain evidence of the importance of activating the principles and mechanisms of corporate governance in the Egyptian business environment, the objective of the research section was to determine the extent to which credit analysts in Egyptian commercial banks understand the importance of the regulatory commitment in making the credit decision. After designing the questionnaire list, it was directed to 95 credit analysts. The study, after analyzing the statistical number 65, led to many results, the most important of which is the activation of the mechanisms and principles of corporate governance, which is one of the important variables in the decision making by credit analysts in the commercial banks of Egypt