دور الضمنات البنكية في الحد من المخاطر البنكية : دراسة حالة بنك الفلاحة والتنمية الريفية ولاية المدية

Abstract

This study aims to identify the role of bank guarantees on bank risk reduction in the Algerian commercial banks, where the study is limited on the theoretical framework for commercial banks as an economic lifeline because of its large role in supporting the economy and increasing its effectiveness, and also we’ve mentioned the concept of credit risks management, as well as different methods for the conducting these risks, and the study of bank guarantees and introducing its various types, also how much this latter contributed in the decision of approval or rejection at the process of granting credit and covering the risks, and also we dropped the theoretical entity on the Bank of Agriculture and rural development ‘BADR’ through the study of an investment loan file, and finally we concluded that the bank is investing and employing in the financial operations, and providing loans are the most important investments in the financial resources while granting loans is not without risks, that may draw difficulties of collecting money from borrowers, so the bank for avoiding the risks and it’s material losses. It is asking for different and enough guarantees since it is the proof tool and one of the principal conditions in the process of granting credit