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‫ﺗﺤﻠﻴﻞ ﺛﻨﺎﺋﻴﺔ اﻟﻮداﺋﻊ واﻟﻘﺮوض اﻟﺒﻨﻜﻴﺔ ﰲ اﻟﺠﺰاﺋﺮ ﻟﻠﻔﱰة )‪-(2011-2000‬ﻧﻈﺮة ﺗﻘﻴﻴﻤﻴﺔ اﺳﺘﴩاﻓﻴﺔ‬

‫اﻷﺳﺘﺎذ‪ :‬ﻣﻮﳻ ﺳﻌﺪاوي ‪‬‬ ‫اﻷﺳﺘﺎذ‪:‬ﻋﺒﺪ اﻟﻘﺎدر ﺧﻠﻴﻞ ‪‬‬

‫ﻣﺨﱪ اﻟﺘﻨﻤﻴﺔ اﳌﺤﻠﻴﺔ اﳌﺴﺘﺪاﻣﺔ‪ -‬ﻛﻠﻴﺔ اﻟﻌﻠﻮم اﻻﻗﺘﺼﺎدﻳﺔ‬
‫واﻟﻌﻠﻮم اﻟﺘﺠﺎرﻳﺔ وﻋﻠﻮم اﻟﺘﺴﻴري‪-‬ﺟﺎﻣﻌﺔ اﳌﺪﻳﺔ‬

‫ﻣﻠﺨﺺ‪:‬‬
‫ﺗﻨﺎوﻟﺖ ﻫﺬه اﻟﺪراﺳﺔ ﺛﻨﺎﺋﻴﺔ اﻟﻮداﺋﻊ واﻟﻘﺮوض ﺑﺎﻟﻘﻄﺎع اﻟﺒﻨيك اﻟﺠﺰاﺋـﺮي ﻟﻠﻔـﱰة )‪ ،(2011-2000‬وذﻟـﻚ ﻣـﻦ ﺧـﻼل أرﺑﻌـﺔ‬
‫ﻣﺤﺎور ﻣﺘﻜﺎﻣﻠﺔ‪ ،‬ﻋﺎﻟﺠﻨﺎ ﻓﻴﻬﺎ اﻧﺘﺸﺎر اﻟﺸﺒﻜﺔ اﻟﺒﻨﻜﻴﺔ‪ ،‬وﺗﻄﻮر اﻟﻮداﺋﻊ اﳌﺠﻤﻌـﺔ‪ ،‬ﻣـﻊ ﺗﺤﻠﻴـﻞ اﻟﻘـﺮوض اﳌﻮزﻋـﺔ واﻟﺘﻤﻮﻳـﻞ ﰲ اﻟﺴـﻮق‬
‫اﻟﻨﻘﺪﻳﺔ‪ ،‬وﺻﻮﻻً إﱃ دراﺳﺔ ﻓﺠﻮة اﻟﻮداﺋﻊ‪/‬اﻟﻘـﺮوض‪ .‬وﻫـﺪﻓﺖ ﻫـﺬه اﻟﺪراﺳـﺔ إﱃ ﻣﻌﺮﻓـﺔ اﻟﻔﺠـﻮة ﺑـني اﻟﻮداﺋـﻊ اﳌﺠﻤﻌـﺔ واﻟﻘـﺮوض‬
‫أن اﻟﻘﻄـﺎع اﻟﺒـﻨيك اﻟﺠﺰاﺋـﺮي ّﻳﺘﺼـﻒ ﺑﻔﺠـﻮة ﻣﻮﺟﺒـﺔ ﻛﺒـرية وﺧﺎﺻـﺔ ﰲ‬ ‫اﳌﻮزﻋﺔ‪ ،‬وذﻟﻚ ﺑﺎﺳﺘﺨﺪام ﻣﻨﻬﺞ وﺻﻔﻲ ﺗﺤﻠﻴﲇ‪ .‬واﺳﺘﻨﺘﺠﻨﺎ ّ‬
‫اﻟﻘﻄﺎع اﻟﻌﺎم‪ ،‬ﺣﻴﺚ ﺗﺠﺎوزت ‪ 3‬آﻻف ﻣﻠﻴﺎر د‪.‬ج ﺳﻨﺔ ‪ ،2011‬وﻧﺴﺒﺘﻬﺎ إل اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻟﺨﺎم ﻓﺎﻗﺖ ‪ % 35.34‬ﻟﻨﻔﺲ اﻟﺴﻨﺔ‪ ،‬وﻫﻮ ﻣـﺎ‬
‫ﻳﺸري إﱃ ﺿﻌﻒ اﺳﺘﺨﺪام ﻫﺬه اﻷﻣﻮال‪ ،‬وﺑﺎﻟﺘﺎﱄ ارﺗﻔﺎع ﺗﻜﻠﻔﺔ اﻟﻔﺮﺻﺔ اﻟﺒﺪﻳﻠﺔ ﻟﻬﺎ‪.‬‬
‫اﻟﻜﻠامت اﳌﻔﺘﺎﺣﻴﺔ‪ :‬وداﺋﻊ ﻣﺠﻤﻌﺔ‪ ،‬ﻗﺮوض ﺑﻨﻜﻴﺔ‪ ،‬ﻓﺠﻮة اﻟﻮداﺋﻊ‪/‬اﻟﻘﺮوض‪ ،‬ﻗﻄﺎع ﺑﻨيك ﺟﺰاﺋﺮي‪.‬‬

‫‪Abstract :‬‬
‫‪This study dealt with two elements deposits, loans in Algerian banking sector from the period (2000-‬‬
‫‪2011), through four integrated axes, under which we addressed the expansion of banking web, and the‬‬
‫‪development of collected deposits, along with analyzing granted loans and the issue of financing in money‬‬
‫‪market, reaching to the study the the gap deposits/loans, the aim of this study is to investigate the gap‬‬
‫‪between the consolidated deposits and the distributed loans using the descriptive and analytical approach,‬‬
‫‪we concluded that Algerian banking sector is characterized by a large positive gap especially in public‬‬
‫‪sector, where more than 3 thousand billion in 2011 representing more than 35,34% for the same year,‬‬
‫‪which indicates a poor use of these funds, and thus increase the opportunity cost‬‬
‫‪Key words: collected deposits, bank loans, gap deposits / loans, Algerian banking sector.‬‬
‫متﻬﻴﺪ‪:‬‬
‫ميﺜﻞ اﻟﻘﻄﺎع اﻟﺒﻨيك ﻗﻄﺒﺎً أﺳﺎﺳﻴﺎً ﰲ اﻟﺪاﺋﺮة اﳌﺎﻟﻴﺔ‪-‬ﺧﺎﺻﺔ ﰲ اﻗﺘﺼﺎدﻳﺎت اﻻﺳـﺘﺪاﻧﺔ‪ -‬وﻳﺨﻀـﻊ ﺑﺎﺳـﺘﻤﺮار ﻟﺘﺤـﺪﻳﺎت ﻋﺪﻳـﺪة‬‫ُ ّ‬
‫ﺗﻔﺮﺿﻬﺎ ﻋﻠﻴﻪ اﻟﻈﺮوف اﻟﺪاﺧﻠﻴﺔ واﻟﺨﺎرﺟﻴﺔ ﻟﻠﺼﻨﺎﻋﺔ اﻟﺒﻨﻜﻴﺔ‪ .‬ورﻏﻢ ﺗﻌﺪد ﻋﻤﻠﻴﺎﺗﻪ‪ ،‬ﺗﺒﻘﻰ ﻋﻤﻠﻴﺔ ﺗﻠﻘﻲ اﻟﻮداﺋـﻊ وﻣـﻨﺢ اﻟﻘـﺮوض أﻫـﻢ‬
‫وﻇﺎﺋﻔﻪ‪ ،‬ﺣﻴﺚ متﺜّﻞ اﻷوﱃ ﻣﺼﺪرا ً ﺧﺎرﺟﻴﺎ ً ﻟﺘﻤﻮﻳﻞ اﻟﺒﻨﻮك‪ ،‬وﺗﻌﺘﱪ اﻟﺜﺎﻧﻴـﺔ ﺻـﻨﺎﻋﺔ ﻣﴫﻓﻴـﺔ ﺗﻘـﻮم ﻋـﲆ اﺳـﺘﺨﺪام اﻷﻣـﻮال اﳌﺠﻤﻌـﺔ‪.‬‬
‫وﺗﻜﻮن ﻓﺠﻮة ﻫﺬا اﻟﺜﻨﺎﺋﻴﺔ )اﻟﻮداﺋﻊ‪ ،‬اﻟﻘﺮوض( ﺳﺎﻟﺒﺔ ﻋﻨﺪﻣﺎ ﻳﻌﺠﺰ اﻟﻘﻄﺎع اﻟﺒﻨيك ﻋـﻦ ﺗﻌﺒﺌـﺔ ﻣـﺪﺧﺮات ﻛﺎﻓﻴـﺔ ﻟﻨﺸـﺎﻃﻪ‪ ،‬وﻫﻨـﺎ ﻳﻠﺠـﺄ‬
‫ﳌﺼﺎدر أﺧﺮى ﻹﻋﺎدة متﻮﻳﻠﻪ‪ ،‬ﻛام ﻗﺪ ﺗﻜﻮن ﺳﺎﻟﺒﺔ ﰲ ﺿﻌﻒ اﺳﺘﺨﺪام ﻫﺬه اﻷﻣﻮال‪ ،‬ﻣام ّ‬
‫ﻳﺆﺛﺮ ﺳﻠﺒﺎ ً ﻋﲆ اﻟﻨﺘﻴﺠﺔ اﻟﺼﺎﻓﻴﺔ ﻟﻠﺒﻨﻮك‪.‬‬

‫‪ khelil_aek@yahoo.com‬‬
‫‪ saadaoui_moussa@yahoo.fr‬‬