Annales de l’université d’Alger
Volume 37, Numéro 4, Pages 06-23
2024-01-31
Activate The Role Of Banks In Economic Development
Authors : Maleh Zohra .
Abstract
Public and private banks are among the most important sources of finance for economic projects, as they provide the necessary funds to start or continue economic projects and achieve economic development. This research aims to highlight the legal mechanisms used by government policy in Algeria to activate the role of banks in economic development by addressing the mechanism of diversification of bank financing formulas in accordance with Algerian banking legislation, together with the bank financing mechanism within the framework of government support agencies, according to the descriptive and analytical approach. In virtue of which, we concluded that activating the role of banks in economic development requires the principle of the freedom of banks to diversify loans to economic projects according to their wishes, and also requires that bank financing standards are respected in limited support government agencies to public banks so as to ensure that public bank funds are effectively and efficiently spent.
Keywords
Bank financing; Government-supported bank financing; Low benefits – Islamic Banking.-Small and medium economic enterprises.
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