نظام ضمان الودائع المصرفية كآلية لحماية حقوق المودعين في التشريع الجزائري

الملخص EN

This article deals with the subject of the “bank deposit guarantee system as a mechanism for protecting the rights of depositors in Algerian legislation”.

whereas, given the vital place of banks and the place they occupy in the national economy, in particular by offering the necessary financing for the various sectors, which can only be achieved by sufficient liquidity.

depositors are the main source for them to achieve this.

in return, the Algerian legislator was obliged to provide adequate protection to the owners of these deposits to guarantee their recovery, in particular in the event that the depositing bank was exposed to a financial crisis, and to strengthen their confidence and their relations with banks, he therefore worked on the creation of a bank deposit guarantee fund as a guarantee of the rights of depositors and as the most important means of stimulating deposits with banks.