رهن الحساب البنكي كألية من آليات التمويل

Abstract EN

In the light of what the financial and business climate knows of economic and legislative transformations ...

especially in the face of the suffocating financial crises that the world has lived in the years 2008 and 2009, in addition to the effects of the pandemic of Corona-Covid 19-and the damage that it has left-and that it is still-on the economies of the world.

especially after the social and economic obstacles that have prevented-in one way or another-the continuity of the execution of commercial contracts, of which the bank account-specifically in the aspect related to financing-is one of them.

this raises-again-the question of the guarantees granted.

it has started to think about finding possible alternative solutions, solutions that are encouraging for contractors and commercial companies-and thus get out of the traditional financing schemes-and at the same time a protective shield for creditors.

the first solution was a legislation on movable securities, the law n° 21.18 promulgated by the Dahir n° 1.19.76 on 11 Sha'ban 1440 corresponding to April 17, 2019.

therefore, the importance of the research-according to what we will see-stems from the seriousness of its subject-the title-, because after the publication of the legislative regulation-law no.

21.18-and to our knowledge, it has not been presented sufficiently, and it is still in need -especially in the aspect related to the financing of small and medium-sized enterprises and small businesses very-for an in-depth study, which prompted us to dive into.

approved curriculum : the answer to this problem inevitably leads us to adopt-and to carry out and discuss it-the analytical method, for its relevance to the nature of the study.

this by clarifying the bank account contract in its relationship with the requirements of law 21.18 on movable guarantees, especially the part relating to the mortgage for financing.

from the assumptions : is it possible to mortgage a bank account ? can it be presented as a guarantee for financing ? is it possible to mortgage a bank account as a mortgage without giving up possession ?