مجلة الأصيل للبحوث الاقتصادية والإدارية
Volume 5, Numéro 2, Pages 529-540
2021-12-31
Excessive Bank Liquidity And Underfunding In The Algerian Economy: Diagnosis And Analysis.
Authors : Fekir Hamza . Bouras Nassima .
Abstract
The main function of the banking system is the mobilization of savings, it also fulfils other functions which are complementary to it with the ultimate aim of ensuring the adequacy in quantity and time of the resources and uses which the economy needs. Through credits to the economy, it stimulates investment and ultimately economic growth. This is all the more true for the case of Algeria, which is characterized by almost exclusive bank financing of its economy. The situation of the Algerian banking sector is characterized by a large domestic saving which it cannot employ, while the Algerian economy is experiencing major financing difficulties. The objective of this article is to emphasize this imbalance between available financial capacities and financing needs, is this a reality or a paradox?
Keywords
Banking system, ; Saving mobilization ; financing of the economy ; economic growth
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