إعادة تأهيل القطاع المصرفي الجزائري (الواقع والرهانات)

Abstract

This study aims to shed light on the structure of the banking system in Algeria by analyzing its current components, identifying the challenges it faces, and exploring the prospects for its development in light of rapid economic and technological transformations. The banking system plays a central role in supporting the national economy through its functions in mobilizing financial resources, financing projects, facilitating economic transactions, as well as promoting financial stability and achieving sustainable development. The study's findings reveal that the Algerian banking system still faces several challenges, including limited diversity in banking products and services, weak innovation and digitalization, slow pace of regulatory reforms, and the dominance of public banks in the financial market, which restricts competition and limits performance efficiency. The study also highlights the need to enhance transparency and governance and to update the legal and regulatory framework in line with international standards. In light of these findings, the study recommends adopting comprehensive structural reforms aimed at developing banking IV infrastructure, encouraging financial innovation and digitalization, supporting the independence of the central bank, and promoting investment in the private banking sector. These measures would contribute to building a modern, flexible, and inclusive banking system capable of meeting future economic challenges.