أهمية التوريق في معالجة مخاطر السيولة في البنوك الجزائرية

Abstract

We will review in this study, the most important points relating to technology securitization in terms of definition and the history of its origins and evolution of the various mechanisms working underpinning, then we address the definition of the risks of banking such as liquidity risk Margen so the reality of the application of securitization in banks to cope with the shortage of liquidity and expansion in the field of finance, as a result of the growth and evolution experienced banking sector in terms of quality of services as well as the procedures applied in providing these services, where interest in the development of the mechanisms used by banks increased to cope with banking risks they face, especially in light of competition between banks, all this necessitated thinking in financial instruments that keep pace with current developments in the under banking financial globalization, all this was behind the emergence of securitization technology. Used securitization mechanism to address the liquidity risk and to enable banking institutions to obtain liquidity of real-time when you need it as an effective financing tool, due to the evolution of this technology in foreign countries, we hope its success in Algeria in the coming years in the field of real estate financing and stimulate the financial markets.