المحددات الاقتصادية الكلية المؤثرة على نمو الودائع البنكية في الجزائر خلال الفترة1990-2020 دراسة تحليلية وقياسية

Abstract

This study aims to identify the macroeconomic determinants of bank deposit growth in Algeria during the period 1990- 2020. To achieve the study’s objective we used the descriptive-analytical method to analyze the structure of bank deposit, track their evolution, and the evolution of macroeconomic indicators under consideration. The quantative method was also used to identify the macroeconomic indicators correlated with bank deposit, using the principal component analysis; and then to verify the statistical significance of these indicators and their impact using Auto Regressive Distributed Lag (ARDL). The study results concluded that bank deposits in Algeria correlate to deposit interest rate, broad money supply to gross domestic product, inflation rate unemployment rate, and per capita gross domestic product growth. In the long-term bank deposit growth is determined positively by broad money supply to gross domestic product, and negatively by the inflation rate; In the short term, deposit growth is determined positively by deposit interest rate and broad money supply to gross domestic product, and negatively by the inflation rate