The inclusion of services within the international trade in the latest rounds of GATT, is the most important gains in terms of liberalization of international trade, and is the General Agreement on Trade in Services (GATS) the first multilateral international convention to regulate international trade in services.As was the General Agreement on Trade in Services GATS organized a special legal financial services through annexes of the provisions of the Convention, has been the target of the negotiations that took placebetween members concerning the liberalization of international trade in financial services, is to increase the efficiency and competitiveness of financial systems and banking to the Member States, as the financial services Banking and the most dynamic in international trade in services .Despite the multiplicity of international efforts in the field of liberalization of international trade in financial services but that the Single Convention which has made negotiations on liberalization takes the form of the Multilateral, the Agreement on Trade in Financial Services, which carries with it many advantages that can benefit developing countries when implemented, as well as the significant challenges and requires careful pre-planning them.And where the presence of foreign banks in the markets of developing countries under globalization, banking and financial liberalization has become a reality supported by the Convention on the liberalization of financial services within the framework of the World Trade Organization, which creates a climate competitive uneven, it is incumbent upon the local banks in developing countries to adopt appropriate strategies so can maintain our competitive position in the banking market. Since joining the forthcoming of Algeria to the WTO, which means itsliberalization of trade in services and private banking ones, and thisimplementation of the commitments on the liberalization of this sector,allowing the entry into force of foreign banks-efficient high to the Algerian banking market, and in light of the situation and current policies, the Algerian banks will compete in the status of noncompetitive, and thus cannot survive in the market due to the limited capabilities and services and the low level of performance, and thus its inability to compete with the major banks which is characterized by its ability, quality and diversity of services and administrative efficiency,and their marketingThus although the pros that can be offered by the liberalization of trade in financial services and banking, it must be on the banking system Algerian to be ready to accommodate the new challenges, and try to maximize the benefits of accession to the WTO, and reduce the potential risks and to try to adapt to the service of the snational economy.

تعد اتفاقية الكاتس GATS الخاصة بقطاع تجارة الخدمات وقضية اخضاعها لأسس التجارة الدولية متعددة الأطراف ، من اهم الاتفاقيات التي تم اقرارها في منظمة التجارة العالمية ، حيث ان دور واهمية الخدمات يتطور باستمرار ويعد من اسرع القطاعات نمواً ومن اكثرها استيعابا لرأس المال البشري ، مما أدخل المصارف في ظل الاتجاه نحو وجوب مسايرة التحرير المالي , التي ارتبطت بالسياسات الليبرالية كسياسات اقتصادية عامة ، موجه نحو الاندماج الاقتصادي العالمي , ويشمل التحرير المالي تحرير أسواق صرف العملات وقطاع التأمين والمصارف وتحرير حركة رؤوس الأموال . تجدر الإشارة الى انّ تحرير التجارة في السلع تختلف عن تحرير التجارة في الخدمات حيث لاتتضمن الخدمات عبور الحدود والتعرفة الكمركية فقط وانما توجد قيود على التجارة في الخدمات من خلال القرارات والقوانين والاجراءات التي تصوغها الدول حيث سعت اتفاقية GATS الى ازالت وتخفيف تلك القيود للوصول الى تبادل للخدمات لتحقيق تحرير تدريجي وصولا الى تحرير كامل .

حيث ان دور واهمية الخدمات يتطور باستمرار ويعد من اسرع القطاعات نمواً ومن اكثرها استيعابا لرأس المال البشري