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Stabilité bancaire et intégration financière dans l’UMOA

Author

Listed:
  • Mouhamadou L. Racine SOW

    (UFR SEG - LARES - Université Gaston Berger)

Abstract

L’article analyse comment l’intégration financière, la discipline de marché et l’assurance dépôt influencent la stabilité du système bancaire dans les pays de l’Union Monétaire Ouest-Africaine (UMOA) grâce à un modèle théorique. Il caractérise le rôle de la concurrence internationale sur le comportement de prise de risque des banques africaines Le modèle incorpore le degré de concentration du secteur bancaire et le poids des groupes étrangers. Deux types de gestion des risques sont comparés : prise de risques excessifs versus respect des normes internationales. L’étude conclut que la concurrence internationale peut favoriser une gestion plus prudente, à condition que le coût de contrôle soit raisonnable et que la transparence soit suffisante. L’article débouche sur des pistes de renforcement de la stabilité financière : plus de concurrence, meilleure diffusion de l’information et création d’un fonds de garantie des dépôts.

Suggested Citation

Handle: RePEc:rta:retajr:1611
as

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JEL classification:

  • G15 - Financial Economics - - General Financial Markets - - - International Financial Markets
  • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
  • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
  • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
  • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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