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الرئيسية > قراءة تحليلية لواقع الصيرفة في...>الوصف

قراءة تحليلية لواقع الصيرفة في البنوك الجزائرية

العنوان بلغة أخرى: Lecture Analytique de la Réalité Bancaire dans les Banques Algérienne
Analytical Reading of the Reality of Banking in the Algerian Bank
المصدر: مجلة اقتصاديات الأعمال والتجارة
الناشر: جامعة محمد بوضياف المسيلة - كلية العلوم الاقتصادية والتجارية وعلوم التسيير
المؤلف الرئيسي: بيبي، وليد (مؤلف)
مؤلفين آخرين: حكيمي، حليمة (م. مشارك), شعابنية، سعاد (م. مشارك)
المجلد/العدد: ع6
محكمة: نعم
الدولة: الجزائر
التاريخ الميلادي: 2018
الشهر: سبتمبر
الصفحات: 469 - 486
ISSN: 2543-3709
رقم MD: 1065629
نوع المحتوى: بحوث ومقالات
اللغة: العربية
قواعد المعلومات: EcoLink
مواضيع:
السياسة المالية | النظام المصرفي | الاجهزة المصرفية | الصيرفة | البنوك الجزائرية
كلمات المؤلف المفتاحية:
القطاع البنكي الجزائري | بنوك عمومية | الصيرفة الإسلامية في الجزائر | Algerian Banking Sector | Public Banks | Islamic Monetary in Algeria
رابط المحتوى:

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المستخلص: تهدف هذه الدراسة إلى البحث في المرجعية التاريخية لتطور النظام البنكي الجزائري، إضافة إلى رصد واقع العمل المصرفي في وقتنا الراهن ومدى مسايرته للتغيرات المصرفية العالمية من جهة والتحديات التي تواجهه من جهة أخرى، وذلك من خلال استخدام المنهج الوصفي والمنهج التحليلي. وقد خلص الباحثون إلى أن الواقع الغير مطمئن الذي يعيشه القطاع البنكي الجزائري يدل على حقيقة واحدة وهي وجوب إعادة هيكلته بطريقة تضمن إعادة هيكلة جوانبه التشريعية بصفة أساسية ثم التنظيمية والإدارية فالرقابية قبل التفكير في الدعم المالي وفقط، لأن هذا الدعم لن يؤدي إلا إلى تبذير المال العام بسبب سوء التسيير.

This study aims to investigate about the historical references of Algerian banking system evolution by showing its development and stages of development as well as the various reforms it has undergone, this system was an inevitable extension of the French banking system with all its characteristics and components, Algeria then possessed a wide network of banks based on the liberal, the institutions of this system were considered the most advanced financial institutions compared to all other colonies, by 31 December 1962, independent Algeria had the necessary legal and institutional tools to extend its monetary sovereignty, the Central Bank of Algeria, In its first step towards imposing full sovereignty over the sector, Algeria has worked to nationalize foreign banks to eliminate duplication in the sector, part of it is a foreign banking institution based on a liberal basis and the other part is national based on a socialist basis, in its second step towards reform, some amendments and reforms were introduced at the level of monetary and banking policy by establishing the Board of Loans and a technical body for banking institutions in 1971, In the context of the transition from the market-oriented economy, Law 86/12, or the so-called Bank and Loan Law, was enacted, which reduced the role of the Treasury in the field of investment financing and gave the real role of the Central Bank as a bank for banks, this was followed by Law No. 88/06 amended and completed in 1988 aimed at the independence of banks and financial institutions and opened the way for the establishment of private banks. And an attempt to liberalize the financial and banking system by removing obstacles to foreign investment and putting an end to administrative intervention in this sector, a new banking law was introduced in 1990, Law 90/10, the so-called Monetary and Loan Law, banks and the development of a new control mechanism. This study aims to monitor and analyze the reality of banking work in the current time and its extent to the global banking changes on the one hand and the challenges facing it on the other, through analysis: - The quality of the applicable regulatory system and the extent of its compliance with the standards of solvency. - Effectiveness of human resources in the banking sector. - Banking competition in Algeria. - Quality of banking services provided. - The amount of liquidity employed in Algerian banks. - The quality of payment systems and communication networks in Algerian banks and their relevance to global developments. - The size of the assets of Algerian banks. We have relied on descriptive approaches and analytical approaches to achieve our objectives. This study concluded that the unsatisfactory reality of the Algerian banking system in general and the Algerian banking sector in particular indicates the fact that it must be restructured in such a way as to ensure the restructuring of its legislative, organizational and administrative aspects. The competitive reality of Algerian banks requires decision makers to stop the privileges granted to public banks - mainly financial support in the context of bank financial clean-ups - and to work hard to create the right conditions and adopt rational and effective strategies and methods that support their competitive position.
ISSN: 2543-3709

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