محددات تفعيل الامتثال للتنظيم المصرفي في بيئة الاعمال الوطنية - دراسة تحليلية للبنوك الناشطة في الجزائر -

Résumé: The banking business model contributes to the engineering of highly complex and ambiguous international practices through which the gap between bank behavior and compliance with banking regulation is increasing. The nature of this activity is characterized by many illegal risks (tax fraud, globalization of organized crime), or risks that are legal but not ethical (banking secrecy, front companies) far from regulatory mechanisms and compliance requirements that have received considerable attention at the international and national levels. Therefore, the study aims at identifying the specific dimensions of activating compliance with banking regulation in the Algerian business environment in order to reduce the behavior of banks that is contrary to the integrity of the banking system (criminal, fraudulent, suicidal). This is based on a series of field interviews with the staff of the compliance directorates of the active banks in Algeria and the internal control frameworks at the Bank of Algeria, showing that the intention of the Bank of Algeria to achieve compliance with banking regulation has faded as it seeks to attain it through the registration of its policy within international legitimacy. In addition, it tends to adopt a set of formalities far from achieving compliance with regulation at the national level and without understanding the behavior of banks causing a series of scandals and imbalances that have long been associated with non-compliance in all its formal, procedural and substantive aspects

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