إدارة المخاطر البنكية دراسة مقارنة بين البنوك التقليدية والإسلامية حالة بنك الفلاحة والتنمية الريفية وبنك البركة الجزائري

Banking industry is one of the most vulnerable industries, and has observed the growing of these risks in the past few years in addition to the change of nature, and especially with the overall developments in the field of banking work, both within and outside the budget, and the banks and other financial institutions from competition from financial markets, this by changing trends in corporate customers and the extent of adoption is essential to the banks and other financial institutions are a source of finance on the one hand, on the other hand the banks the same change direction towards the formation of the structure of assets and the creation of more profitable new markets, achieved through more revenue. All of this requires the need for the adoption of financial mechanisms and directions for investment in turn requires the need for risk analysis and management attention. The Islamic banks are also not spared of this risk as it relates to both versions of Islamic or similar risks with the traditional banks. Therefore, it was incumbent on the Islamic and conventional banks search for ways and means to get rid of or minimize these risks through the management at banks, and banks that operate under the umbrella of the Central Bank of the latter is responsible for the safety of the banking system of the State. Fbodah laws and rules, precautions and is controlled so give them the opportunity to cover the risk of future unexpected, and at the international level, the introduction of the decisions of the Basel Committee 2 of the banking risk management. Algerian banks call on the development of methods to measure risk and the introduction of modern concepts and methods of risk management, and it further to include risk management in their organizational structures and use as many as possible of the recommendations reached by the Basel Committee on risk management 2