La régulation bancaire dans l'Union économique et monétaire ouest-africaine est-elle efficace ?

Abstract

Cette étude analyse empiriquement l’impact de la régulation bancaire sur le risque de défaillance des banques de l’UEMOA de 2000 à 2010. Nos résultats suggèrent que les banques qui ont des ratios de solvabilité élevés, celles qui se concentrent sur l’activité de crédit et les grandes banques ont un risque de défaillance plus faible. Cependant, les banques de l’UEMOA semblent financer des d’actifs plus risqués et plus rémunérateurs pour compenser le surcoût des dettes subordonnées. Des conditions macroéconomiques favorables sont un facteur de réduction du risque de défaillance tandis qu’une part relative du secteur financier dans le PIB plus élevée contribue à accroître ce risque. Classification JEL : G21, G28, O16, O55.

Market Power and Banking Failure in Waemu Zone: An Empirical Study Through GMM Estimator

“…Specifically, banks in the WAEMU zone are very cautious, to the extent that they lend to creditworthy, low-risk customers. This result is in line with that of Dannon and Lobez (2014).…”

“…In the WAEMU zone, where the banking sector is highly oligopolistic, financial stability has traditionally been preserved through the supervision of individual institutions, using a microprudential approach to assess risks and their evolution. Even if the zone's banks were more or less spared by the 2007 financial crisis, it should be remembered that the banking crisis suffered by this zone in the 1980s was essentially caused by the poor management of credit institutions and the deterioration of the economic environment, all of which were not taken into account by microprudential regulation (Dannon and Lobez, 2014). Of the seven countries in the WAEMU, six were deeply affected.…”

Sleepy but creative? How affective commitment, knowledge sharing and organizational forgiveness mitigate the dysfunctional effect of insomnia on creative behaviors

“…The financial sector in Guinea-Bissau is marked by high levels of domestic and global competition, and strong pressures on employees encourage them to come up with new ideas that might help employers maintain their competitive standing (Dannon and Lobez, 2014;Léon, 2016;Sucuma, 2015). Therefore, this empirical context is pertinent for investigating how excessive sleep problems might escalate into diminished creative behaviors, as well as how this process may be mitigated by employees' access to relevant resources.…”

“…This focus on a specific industry avoids the risk of unobserved differences and external market forces that might influence whether employees perceive the need to develop new ideas to improve the organizational status quo (Dayan and Di Benedetto, 2011). The financial sector in Guinea-Bissau is marked by high levels of domestic and global competition, and strong pressures on employees encourage them to come up with new ideas that might help employers maintain their competitive standing (Dannon and Lobez, 2014;L eon, 2016;Sucuma, 2015). Therefore, this empirical context is pertinent for investigating how excessive sleep problems might escalate into diminished creative behaviors, as well as how this process may be mitigated by employees' access to relevant resources.…”