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/Title (Essays on Bank Risk, Capital, and Lending)
/Author (Tammuz Hani Alraheb)
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/ModDate (D:20180111121149+01'00')
/Subject (Cette thse examine trois questions importantes dans le secteur bancaire, savoir le risque, les fonds propres et le crdit. Elle comprend trois essais empiriques. Le premier chapitre analyse l'impact du printemps arabe et de la crise financire mondiale de 2007-2008 sur la stabilit du secteur bancaire dans la rgion MENA. Les rsultats montrent que le printemps arabe n'a pas eu d'effet ngatif sur la stabilit des banques, alors que la crise financire mondiale a considrablement rduit leur stabilit. Le deuxime chapitre tudie le rle jou par l'environnement institutionnel dans la mise en place de coussin de fonds propres par les rgulateurs ou par les banques en interne. Daprs les rsultats, pour que les ratios de capital rglementaire soient efficaces, l'environnement institutionnel ne doit pas tre nglig lors de la mise en place de ces ratios. Le troisime chapitre tudie les diffrents effets des droits des consommateurs et des cranciers sur le cot des prts. Les rsultats rvlent que le cot des prts augmente en prsence de lois strictes sur la protection des consommateurs, tandis que l'augmentation des droits des cranciers rduit ce cot.)
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Essays on Bank Risk, Capital, and Lending
Tammuz Hani Alraheb
Cette thèse examine trois questions importantes dans le secteur bancaire, à savoir le risque, les fonds propres et le crédit. Elle comprend trois essais empiriques. Le premier chapitre analyse l'impact du «printemps arabe» et de la crise financière mondiale de 2007-2008 sur la stabilité du secteur bancaire dans la région MENA. Les résultats montrent que le «printemps arabe» n'a pas eu d'effet négatif sur la stabilité des banques, alors que la crise financière mondiale a considérablement réduit leur stabilité. Le deuxième chapitre étudie le rôle joué par l'environnement institutionnel dans la mise en place de coussin de fonds propres par les régulateurs ou par les banques en interne. D’après les résultats, pour que les ratios de capital réglementaire soient efficaces, l'environnement institutionnel ne doit pas être négligé lors de la mise en place de ces ratios. Le troisième chapitre étudie les différents effets des droits des consommateurs et des créanciers sur le coût des prêts. Les résultats révèlent que le coût des prêts augmente en présence de lois strictes sur la protection des consommateurs, tandis que l'augmentation des droits des créanciers réduit ce coût.
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