نظام التأمين على الودائع في التشريع الجزائري

Abstract EN

Banks face many challenges, the most important of which is to achieve banking stability, and deposit rates in the banking system are one of the most important factors in supporting this stability, as every risk menaces the deposits and trust in them would pose a direct threat to the banking system as a whole, and the most prominent example of this is The great global recession that hit many countries in the thirties of the last century and resulted from liquidity crises facing commercial banks, and the consequent bankruptcy of many of them, especially in developed economic countries.

This situation led the trustees to the need to think about finding solutions that protect banks and support the confidence of their dealers, so the need for a deposit guarantee system emerged, which works to compensate a group of depositors with a percentage of their deposits that may be at risk as a result of the bank’s default and failure to pay