واقع التمويل البنكي للمؤسسات الصغيرة و المتوسطة في الجزائر : دراسة حالة التمويل بالقروض البنكية للم ص م في سطيف

الملخص EN

The main objective of this paper is to study the availability of one of the most essential factors of production to the establishment and development of the Algerian economic enterprise, especially SMEs which is the capital.

By trying to define the problem of limited recourse for small and medium enterprises in Algeria to the bank loans to finance their needs.

Where this paper was based on a study of the components of the Algerian banking and financial system and its role in financing the SMEs with bank loans.

Using the results of a empirical study of a sample of SMEs in Setif.

We concluded that the Algerian banking and financial system featuring a variety of commercial and specialized banks, which estimated their number at 20 Banks and 10 financial institutions, as well as the Stock Exchange.

Through the role of these financial institutions in the financing of economic activity we found that the majority of bank loans have come from public banks, in addition the Stock Exchange considered as an important financial institution to the diversification of the external financial resource for the economic institutions, particularly after the establishment of the private market for the SMEs in 2012.

Accordingly, the limited recourse of the SMEs in Algeria to the bank loans as the most important financial source, may be due in part of theme to the limitations of external financing sources and the non diversity, where the most external financing sources in Algeria are the bank loans obtained from a public banks