الإعتماد المستندي و تقييم تسييره في البنوك التجارية الجزائرية

Abstract

In this research we attempted to study one of techniques of regulation of the international trade and the method of its management by one of the Algerian commercial banks. We chose the documentary credit which used universally, taking into account the growing use it for the future. Besides, it is used like a support for financing and which is suits the ascription better in outside financing, and critical situations like unrest, risks country raised ..etc. We wanted to know the reality of its management by Algerian commercial banks, which had known and continue to know these last times critiques in particular on behalf of the client, media some local responsible persons, and certain foreign parts. With the apparition of a recent competition that threatens its existence with the financial and banking service liberalization waited for the adherence of Algeria to the world trade organization that will bring a high-level competition. The national banks must develop their services, and be at the level of this announced competition. Besides, the liberalization of the outside trade, to reach the wished result requires the development and the easiness of use of techniques of regulation and financing of the outside trade, among which there is the documentary credit. This was led us to ask the questions: - Do the Algerian commercial banks play a dynamic role to facilitate the outside commercial exchanges, to reach their objectives; and if it is the case do they constitute a motor for the investment and for the economy or on the contrary will they be an obstacle to these exchanges. - Can the Algerian commercial banks with their present management compete with these banks which have a recent activity and those in forecasting of installation or is it to expect the opposite. We realised the reality of management of the documentary credit by the Algerian commercial banks and we have tried to analyze their method of management and to determine their strong points and weak ones. This analysis drove us to many negative and positive results, in the light of these results appeared to use that the consistent management method currently by the bank, creates several obstacles for the operator of the outside trade, user of this technique, therefore, it the hindrance, operations of the outside trade, and the import and the export. This management does not offer the Algerian commercial banks an appropriate competitive. position, it threatens the future of the serviceÿassured by these banks. In spite of was been mentioned previously the banks can improve their present management method, the lightening of their requirements for the relative cover to the documentary credit, minimize these delays of management, review the amount of some banking commissions, develop the quality of the service provided to the customer. These are some recommendations proposed in addition of the other ones, such as they can defend interests of the economic operator and participate to the development of the foreign trade, they will also the service provided to reach the level of those competition banks of presently and in the future.