مواجهة القروض المتعثرة في التشريع الجزائري

الملخص EN

Troubled bank credit represents a serious risk for the credit activity of banks, it is the credit facilities granted to the customer that he has not committed to repay in the deadlines, which makes his partial or total recovery unsuccessful.

Banks can avoid this phenomenon by adopting two methods: the first one is preventive measure.

which is the ability of banks to predict failures before their actual occurrence.

and its effectiveness in developing well-structured, practical methods of tracking credits granted during all the period of use" and periodic and ongoing monitoring of these credits in an effective manner.

the second method is to find a solution by which banks face the failure by choosing one of two alternatives: consensual, which is to reactivate the credit and reschedule it to overcome the risk: or legal, which consists of liquidating the credit and suing the defaulter client to declare his bankruptcy.