social and human sciences review مجلة العلوم الاجتماعية والانسانية
Volume 18, Numéro 36, Pages 127-156

الأهمية الاقتصادية لأنظمة الدفع حالة الجزائر

الكاتب : بودور عصام .

الملخص

The study has concluded that the role of the payment systems is not limited on achieving the final payments, but they are designed to carry out specific tasks according to the nature and the value of the orders of the payment transactions. Each system is made to reduce specific risks as it allows to complete payments quickly, securely and in cost effective manner. This is done thanks to many factors mainly the use of clearing system, the resort to information technology and modern networks of telecommunications, the sharing of costs among the members contributing in the clearing system, in addition to the use of electronic money. The payment system has contributed in increasing the circulation of money and the economic activities. The study has also concluded that the banking reforms introduced since 2005 have contributed remarkably in improving the quality of services. The Algerian payment system is offering as it is able to limit and manage the associated risks. The reforms also helped to reduce the cost of transactions and cut the delays in payments.

الكلمات المفتاحية

Payment system, Clearing, Market liquidity, Network economy, cost, security, payment deadlines, Financial risks, RTGS, NET, CNS, DvP, CLS, ARTS, ATCI.