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Le ratio Cooke: un renforcement des fonds propres des banques

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  • Philippe Lagayette

Abstract

[eng] The international solvency ratio has been adopted by Central Bank's Governors of G 10 countries in July 1988. This ratio has two main goals : 1) strengthen international banks solvency, 2) equalize competition conditions. The system is based on a risk assets ratio. Banks must comply with a minimum level of 8% of net capital base regarding their counterparty risks. French banks have an important effort to make which appears to be at hand. At the end of 1988, the level reached was already 7,5 %, calculation being made according to the definitive scheme. To comply with the 1992 level, French banks will have to make an effort of 50 billion francs of capital base, assuming a risks annual increase of 5 % . [fre] Le ratio international de solvabilité a été adopté par les Gouverneurs des Banques centrales des pays du groupe des dix en juillet 1988. Son élaboration répond au double objectif de renforcer la solvabilité des banques internationales et d'égaliser les conditions de concurrence. La philosophie générale du dispositif adopté est celle d'un ratio de risques pondérés et rapportés aux fonds propres en fonction d'un souci unique : la couverture du risque de contrepartie. Le niveau fixé pour ce ratio est de 8 %. L'effort à fournir par les banques françaises est important mais paraît à leur portée. A la fin de 1988, le niveau atteint était déjà de 7,5 % si on calcule le ratio selon ses modalités définitives. On estime l'effort à fournir en fonds propres d'ici à 1992 à 50 GF dans l'hypothèse d'une progression des risques de 5 % par an.

Suggested Citation

  • Philippe Lagayette, 1990. "Le ratio Cooke: un renforcement des fonds propres des banques," Revue Française d'Économie, Programme National Persée, vol. 5(1), pages 39-47.
  • Handle: RePEc:prs:rfreco:rfeco_0769-0479_1990_num_5_1_1241
    Note: DOI:10.3406/rfeco.1990.1241
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