This study aims to determine the relationship between several factors of govance and the level of risk in 10 Tunisian banks during an analysis period of eight years.We propose an important empirical question and examine the intal mechanisms of govance aimed at reducing financial risks.This estimation is based on a model with a single equation that examines variables relative to govance and credit risk to determine their impact on banking financials.Results demonstrate that the intal mechanisms of govance present diverging effects on the financial risk of the Tunisian banks in our case study (i.e.,credit risk).Moreover,making applications work by putting together a process and model for banking risk is important.This model can be applied in any bank,and the results can be used to make decisions in real time.