تحليل هيكل السوق المصرفي في الجزائر خلال الفترة 2008-2016

Abstract EN

In this study, we aim to determine the nature of the competition in the Algerian banking market during the period 2008-2016 by measuring and analyzing market structure determinants of the SCP model, market concentration, barrier to entry, differentiation and diversification of products within the market; we found that most of the determinants indicates that the banking market in Algeria during the period 2008-2016 tends to monopolistic competition, although the market concentration indicators showed oligopoly and dominance of public banks on the largest market shares for many reasons, the most important are: supervision of the most important sectors generating wealth in the national economy, reputation, confidence and loyalty of customers to these banks.

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But the behavior of these banks was not collusive, the prices of some products determined by the Central Bank and banks have no ability to identify; On the other hand, we found barriers to enter the market, the most important legal and regulatory barriers, but they were not effective to prevent the entry of foreign banks to the market, this does not mean the ence of economic barriers caused by competition in the market (especially among foreign banks) and not monopoly, The banking products offered are semi-homogeneous and non-diversified, especially among public banks.