The objective of this study is to analyze the cost-efficiency of forty Algerian, Moroccan and Tunisian commercial banks and to determine which bank-specific variables and environmental variables have influenced their level of cost-efficiency during the period 2005-2017. The first step consisted in estimating the cost-efficiency scores of the banks in the sample using the stochastic frontier approach. The second stage of analysis identified the determinants of the cost-efficiency of the three banking sectors. Therefore, the censored Tobit model was applied to examine the relationship between cost-efficiency and bank-specific, industry-specific, macroeconomic and institutional variables.
L’objectif de notre thèse est d’estimer, en premier lieu, l’efficience-coût des banques des trois pays d’Afrique du Nord, en l’occurrence l’Algérie, le Maroc et la Tunisie à l'aide d'un ensemble de données constituées de 40 banques commerciales, couvrant la période de 2005 à 2017, et ce, en utilisant l’approche de la frontière stochastique (SFA) et, en deuxième lieu, d'examiner l’impact des variables spécifiques à la banque, des variables spécifiques au secteur bancaire, des variables macro-économiques et institutionnelles sur l’efficience-coût de ces banques, en utilisant le modèle Tobit censuré à effet aléatoire.
Le secteur financier, dans la plupart des pays en voie de développement, est dominé par les banques en raison du sous-développement du marché boursier. En effet, les banques occupent une place prépondérante dans l’économie des pays et sont considérées comme un facteur important pour la réalisation des politiques de progrès et de prospérité. Les banques assurent l’activité de collecte des ressources auprès du public et le financement des investissements rentables et bénéfiques à l’économie en permettant la création d’emplois, la promotion de la production nationale, la réduction des importations et de l’inflation et la stabilité des prix.
Pour cette raison, les pays en voie de développement continuent d'introduire des réformes et des réglementations visant à établir un secteur bancaire plus solide et efficient, tout en maintenant la stabilité du système financier et la stabilité de leurs économies. Ces réformes sont couramment encouragées par les organisations financières internationales telles que la Banque mondiale et le Fonds monétaire international (FMI).
-
-
-
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X. -
-
Upload your own papers! Earn money and win an iPhone X.