Abstract
The study aims at analyzing the phenomena of bank excluding of
customers in the Jordanian banks through explaining it’s reasons, the
factors that influence the banks’ choice of the customers, the standards
they use in their evaluation, and the most important factors that the
banks take in consideration when the excluding decisions for individuals
or companies are made, by measuring and identifying the most
important factors affecting this phenomena, besides the most important
standards of evaluating the customers risk.
The Descriptive Analysis has been used to determine the main factors
affecting the excluding phenomena, to analyze the questions of the
questioner and to examine the assumptions of the study, depending on
Frequencies, Means, Standard Deviation, Coefficient of Variation, and
the Correlation Coefficient and Cronbach ((1) to verify the reliability
of the questioner, in addition to t-test to examine the research assumption:
The conclusions show that the main reasons for bank excluding are:
1- The weaknesses of financial and credit positions of the customers.
2- The fall back of the reputation of the company, and the previous
experience of discouraged treatment with the bank.
3- The nature of the company’s activities and the sector that it works
through such as (the increasing risk of the sector, unsustainable sector
, unavailable technical experience for the customers, and the
non diversification of the company activities).
4- Legal standards, social-economics factors, and the policy of the
bank.