تأثير جائحة كوفيد-19 على القرض البنكي

Abstract

 The loan operations carried out by banks and financial institutions are of utmost importance in the modern economy, they contribute significantly to supporting the banking sector, especially in light of the challenges faced by the world due to the COVID-19 pandemic and it's widespread spread, this research aims to shed light on the impact of the COVID-19 pandemic on bank lending by examining the legal adaptation of the pandemic regarding the contractual obligations of loan agreements, it also addresses various exceptional measures taken by the Bank of Algeria to mitigate the negative effects of this pandemic on individuals and institutions, and the impact of implementing these measures on the credit activity of banks and financial institutions. This research has concluded several results, the most important of which is that the exceptional measures taken by the Bank of Algeria have led to the postponement or rescheduling of loan installment due dates, in addition to increasing levels of bank liquidity, this allows both banks and financial institutions to increase the volume of loans granted.