المعالجة القانونية لمخاطر القرض المصرفي

Abstract EN

This article aims to highlight the risks of non-payment of the bank loan, as it is considered among the risks that banks face during the management of their liquidity.

Besides the market risk, the risk of liquidity, the risk of the model, the risk of convenience, the risk of operations or procedures, we find the risk of the loan and the role of bank guarantees.

In securing these risks that coincide with granting loans to economic dealers in order to finance their investment projects.

In the context of financial intermediation, the bank does not freeze or store the money, but rather grants and uses it in the form of loans according to specific procedures set forth by the applicable Bank of Algeria regulations.

The relationship that binds the bank with the customer is based on the advantages of trust and credit, and the customer may violate his obligations, which leads to harm to the rights of the bank, thus there is a close link between granting the loan, the duty of caution and the duty of inquiry, and from it the bank requires that the legal procedures be followed in order to mature its debts.

A conclusion was reached that managing liquidity is one of the most prominent challenges facing banks, especially if it comes to long-term loans, but the insecurity element remains in this framework.