نحو نظرية جديدة لتفسير أعمال البنوك : النظرية العامة الجزائرية البنكية للتنمية الشاملة

Abstract EN

JEL The goal from this article is to identify the theories that explain the work of banks.

So, The first theory is: " Theory of commercial loans", Then came "the switching theory" -The possibility of conversion-, After that came "expected income", Then the fourth theory is "Theory of liability management".

While the fifth theory is "theory of management both of assets and liabilities ", Then the sixth theory is " originate-to-distribute model ", it depends on the technique of securitization and we will try to extract a theory compatible with the purposes of divine religions in which is the best of all mankind.

key words: Theories, business loans, expected income, securitization