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

Author

Listed:
  • Pascal H. Dannon
  • Frédéric Lobez

Abstract

This paper investigates empirically the impact of bank regulation on the risk of default of WAEMU banks over the period 2000-2010. Our results suggest that banks which have relatively high capital ratios, those focusing on loans as well as large banks have a lower risk of default. However, WAEMU banks seem to finance riskier and more profitable assets to offset the extra cost of subordinated debt. Favorable macroeconomic conditions are factors reducing the risk of default while a high share of the financial sector in GDP increases this risk. Classification JEL: G21, G28, O16, O55.

Suggested Citation

  • Pascal H. Dannon & Frédéric Lobez, 2014. "La régulation bancaire dans l'Union économique et monétaire ouest-africaine est-elle efficace ?," Revue d'économie financière, Association d'économie financière, vol. 0(4), pages 279-304.
    • Handle: RePEc:cai:refaef:ecofi_116_0279
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O55 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Africa

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