بازل 2 ثورة في توازن العلاقة بنك-مؤسسة: الجدارة الائتمانية والتأثيرات على تمويل المؤسسات

Abstract EN

This study aims to conduct an analysis of the impact of the entry into force of the international precautionary agreement Basel II on banks’ capital requirements in Algeria on the balance of the relationship between Algerian banks and institutions, especially with regard to credit risks and the scale associated with the qualified capital of banks, in addition to identifying the real situation the nature of the bank-institution relationship, and the prospects for its development, taking into account changes in the work environment, associated with the future application of the new organizational innovation that proposes several changes to the rules currently in force.

the study concluded that, regardless of the negative impact that may occur, Basel 2 can be considered as a turning point in the Algerian economic and financial system, and a gateway to re-establish a more stable, transparent and objective relationship between banks and national institutions, so that all relevant parties have the opportunity to absorb regulatory innovations and bring them closer its actions are among the common goals, in order to achieve Algerian economic and financial stability.