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L'environnement bancaire est caractérisé par la diversification des produits et des services proposés, ce qui a rendu l'activité bancaire plus complexe et donc plus vulnérable aux différentes risques le menaçant, notamment le risque opérationnel. De ce fait, la gestion de ce dernier devient une nécessité pour les établissements bancaires et financiers. Le comité de Bâle a intégré ce risque dans le ratio de solvabilité « Mc DONOUGH » en 2004, et son application fut établie en 2006. Mais en Algérie cela n'a été introduis qu'en 2011 via le règlement 11-08 qui impose la cartographie des risques, et qui a été complété par le nouveau règlement 14-01 en 2014.

تهدف هذه الدراسة إلى التعرف على مختلف المخاطر التشغيلية التي تواجه البنوك التجارية، وأهم مصادرها، وكذا واقع إدارة هذه المخاطر بالنوك التجارية الجزائرية، ومدى تطبيقها لمبادئ الإدارة السليمة للمخاطر التشغيلية والتي أوصت بها اتفاقية بازل 2.nوقد توصلت الدراسة إلى أن البنوك التجارية الجزائرية تتعرض للعديد من المخاطر التشغيلية والتي كان العنصر البشري في صدرها مصادرها، كما أنها لا تولي اهتمام كبير بإدارة المخاطر التشغيلية، حيث كانت درجة تطبيقها لمبادئ الإدارة السليمة للمخاطر التشغيلية التي جاءت بها مقررات لجنة بازل الجديدة متوسطة.

The agricultural sector is most subject to the influence of risk factors. This might be explained by the fact that the efficiency and the output of agricultural production depends not only on invested labor and funds, but also on climatic, weather, environmental conditions, natural disasters. In this regard, the development of theoretical foundations of operational risk management in agriculture is highly relevant. The objective of our study was to develop measures to improve the methods of risk assessment and operational risk management at the level of agricultural enterprises, taking into account the requirements of environmental management and environmental protection. The article discusses the conditions and features of agricultural production at the present stage of economic development, gives a comparative description of various sectors of the economy by the presence of risk factors and proposes methods for operational risk management in the agro-industrial complex. An risk management algorithm for agricultural enterprises has been developed.

Many credit establishments are affected by operational risk, underscoring the need to address the new challenges related to controlling this risk. So, how can controls be developed within the framework of the management operational risks. The system implemented at the bank adheres to the rules governing the three levels of control, the distinction between periodic control and permanent control, as well as the level of requirement in terms of own funds. However, the bank must enhance and optimize its system beyond regulatory requirements. It is necessary to make the system more dynamic to ensure that operational staff are more involved in risk management, automat controls and formalize the risk policy to provide a comprehensive view of how controls should be carried out.

This paper aims to analyze climate risk research trends in finance and economics domain through a bibliometric analysis of 2360 Scopus documents from 2010-2023. Performance and co-occurrence analyses are conducted using VOSviewer. Results show an exponential rise in publications after 2015, led by the US and Europe. Four conceptual clusters are identified: climate risks and investment/financing, macroeconomic impacts and adaptation, microeconomic effects and corporate sustainability, and environmental risk management. The central cluster on climate risks highlights the growing focus on uncertainties and investment. Main trends emphasize climate finance, risk management, adaptation, and environmental, social, and governance factors.

Technology systems are an integral part of the accuracy and efficiency of financial reporting in the modern business landscape, and with companies increasingly relying on sophisticated software and digital tools to manage their financial statements, the potential impact of technological malfunctions on stock price has become a major concern. The study aims to find out the impact of technological system malfunctions on the stock price of companies, with a focus on the case study of Microsoft, in terms of the impact of malfunctions in the company's technological infrastructure on its financial results and the results of other companies that benefit from its services and analyzing the repercussions of these malfunctions on the stock price of those companies. Through a detailed review of system malfunctions within Microsoft, the study identifies key patterns and impacts on market value. It assesses the extent of these impacts, considering both direct financial consequences and indirect effects on operational efficiency and stakeholder confidence. In addition, the research explores the strategies Microsoft is implementing to address and mitigate the risks associated with technological malfunctions. The findings highlight the critical importance of strong technology systems in maintaining financial stability and performance, by providing insights into how large corporations manage and recover from technological malfunctions and provide valuable recommendations to enhance system resilience and protect financial integrity.

Dans cet article, nous avons abordé le concept de la cartographie des risques dans la gestion des risques opérationnels. Pour ce faire, nous avons examiné ses principales approches, afin de proposer une méthodologie générale pour cartographier les risques opérationnels dans les compagnies d'assurance. Nous avons montré comment appliquer la méthodologie à chacune des quatre étapes qui forment cette cartographie, afin de collecter les informations essentielles à la compréhension globale des risques opérationnels et à leur évaluation.

تهدف هذه الدراسة إلى تسليط الضوء على مختلف المخاطر المرتبطة بتوظيف الموارد البشرية، والوقوف على جملة الأخطاء العملية المتعلقة بكل مرحلة من مراحله، والتي تعبر عن الأسباب الفعلية لتلك المخاطر، ثم توضيح مراحل بناء خريطة المخاطر، وأهميتها في إدارة أخطاء التوظيف، ولا تتوقف هذه الدراسة هنا بل تحاول بيان مدى نجاح اعتماد هذه الآلية في مؤسسة السلام الكترونيكس. وقد خلصت الدراسة إلى أنه لا تخلو المؤسسة من المخاطر العملية للتوظيف، والتي تؤدي في الغالب إلى فشله، وأن خريطة المخاطر تتطلب منهجية جد دقيقة لإنشائها ما يجعلها تمكن مؤسسة السلام الكترونيكس بالكشف عن أنواع المخاطر المتعلقة بالتوظيف وإدارة الأخطاء المتسببة فيها.