مصادر أموال البنك ومجالات توظيفها في التشريع الجزائري.

Abstract

The specification of the activity of the banks and their specified nature always makes it necessary for funds when it is created and during the exercise of its activity, or the Algerian legislator has conferred upon them particular sources by which they obtain funds called - legal special funds - However, to deal with the economic developments in economic life and the growing importance of banks and the development of its operations, the need for these funds has also increased that its own funds could not insure them, thus they mainly relied on funds received by the public in the form of deposits and monopolized the exercise of this transaction in accordance with the law. The legislator also conferred on them other external sources to finance itself in case of lack of cash, and this, by resorting to the bank of Algeria or by resorting to the money market according to the mechanisms fixed by the Algerian legislator. On the other hand, and given the vital center of banks in the national economy through what they save financing by relying on the funds of deposits, the Algerian legislator intervened and decided to protect its deposits by obliging the banks to keep specific monetary credits in order to meet the obligations imposed on them. It also created a fund to insure these deposits, and forced the banks to join and to participate under pain of sanctions issued by the Banking Commission. In addition to the vigil of the Algerian legislator on the protection of the rights of depositories, it allows banks to make profits and expand their activity as their main objective, since they were created as shareholder companies, and by investing their funds in the areas that achieve them, especially in credit granting operations, which is subject to the conditions and standards respected by the banks if not its responsibility will be assumed as a guarantee for the proper granting of credit or its use, especially that the latter relies on the funds of the depositories in realizing this.