ضمانات القروض البنكية في التشريع الجزائري

Abstract

Banks are a financial institution that provides various financial services, such as granting loans to borrowers, and in order to ensure their recovery as a result of the credit risks they face, it was necessary to resort to a set of means to protect the interests of the bank, based on guarantees included by the Algerian legislator in certain laws known as guarantees Bank loans, and these guarantees are represented in classic guarantees of two types of personal guarantees represented in the surety contract as a personal guarantee for bank loans and in-kind guarantees of two types: the official mortgage and the possession pledge, in addition to modern guarantees. Its purpose is to fill the shortcomings found in the classic guarantees, which are securitization, financial guarantee and loan insurance.