واقع السياسة الاحترازية للبنوك الجزائرية على ضوء إصلاحات القانون النقدي والمصرفي 23-09

الملخص EN

The study aims to assess Algeria's compliance with and implementation of Basel prudential standards in light of the latest reforms undertaken by public authorities in the Algerian banking sector, represented by the issuance of banking law No.

23-09, which repeals banking law No.

03-11 related to currency and credit.

this law included several key points aimed at enhancing supervision of banks and financial institutions and strengthening prudential policy to achieve financial stability.

this study was based on semi-directed interviews with a group of executives working in Algerian banks and economics professors.

this study concluded that law 23-09 will contribute significantly to improving the precautionary policy, but it is not sufficient to enable Algerian banks to optimally implement Basel standards, as it requires structural reform of the Algerian economic system.