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Le mouvement de déconcentration des systèmes bancaires en Afrique subsaharienne

Author

Listed:
  • Alphonse Noah

    (EconomiX - EconomiX - UPN - Université Paris Nanterre - CNRS - Centre National de la Recherche Scientifique)

  • Luc Jacolin

Abstract

Cette étude fait apparaître un mouvement de déconcentration des systèmes bancaires des pays d'Afrique subsaharienne (ASS) sur la période 2005-2015 parallèlement au développement économique rapide du continent au cours du super-cycle de hausse des matières premières et à l'émergence de groupes bancaires panafricains. Il ressort de l'analyse des auteurs que ce mouvement est, entre autres, influencé par la taille du marché, l'ouverture internationale et l'entrée ou non de banques étrangères. De surcroît, plus le niveau de concentration bancaire est faible, plus l'encours des crédits (en pourcentage du PIB) est élevé, suggérant que le niveau de concurrence entre banques influe positivement sur la distribution de crédit. En revanche, la concentration bancaire est faiblement liée à la qualité des portefeuilles bancaires.

Suggested Citation

  • Alphonse Noah & Luc Jacolin, 2017. "Le mouvement de déconcentration des systèmes bancaires en Afrique subsaharienne," Post-Print hal-01617379, HAL.
    • Handle: RePEc:hal:journl:hal-01617379
    as

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    References listed on IDEAS

    as
    1. Inessa Love & María Soledad Martínez Pería, 2015. "How Bank Competition Affects Firms' Access to Finance," The World Bank Economic Review, World Bank, vol. 29(3), pages 413-448.
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    3. Jean Arcand & Enrico Berkes & Ugo Panizza, 2015. "Too much finance?," Journal of Economic Growth, Springer, vol. 20(2), pages 105-148, June.
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    5. Chauvet, Lisa & Jacolin, Luc, 2017. "Financial Inclusion, Bank Concentration, and Firm Performance," World Development, Elsevier, vol. 97(C), pages 1-13.
    6. Enrico Berkes & Ugo Panizza & Jean Louis Arcand, 2015. "Too Much Finance or Statistical Illusion: A Comment," IHEID Working Papers 12-2015, Economics Section, The Graduate Institute of International Studies.
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    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Concentration bancaire ; Indice Herfindahl-Hirschman ; Afrique subsaharienne ; Zone franc;
    All these keywords.

    JEL classification:

    • D4 - Microeconomics - - Market Structure, Pricing, and Design
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms

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