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Expertise du CA, prise de risques et performance : Cas des banques tunisiennes

Author

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  • Zouhour Ben Hamadi

    (Métis Lab EM Normandie - EM Normandie - École de Management de Normandie)

  • Hammami Yosra

Abstract

Le secteur bancaire est la véritable clé de voûte de l'économie tunisienne actuelle ; Beaucoup de défis sont à relever par les banques tunisiennes pour qu'elles puissent sortir d'une situation difficile qui les fragilise, avec les turbulences politiques et sécuritaires qui s'ajoutent à un système bancaire critiquable malgré les réformes qui se sont succédé depuis 1990.Dans cette étude, nous portons notre intérêt sur l'un des concepts phare en finance : la gouvernance dans les établissements bancaires et plus précisément l'importance de l'influence du conseil d'administration sur la performance d'une part et la prise de risque d'autre part.Conscient que le sujet a déjà fait couler beaucoup d'encre, nous nous sommes intéressés particulièrement à un des pays de la région MENA en étudiant particulièrement des facteurs qui commencent à être étudiés depuis peu d'années comme l'expertise des membres du CA (Malmendier et Tate, 2008 ; Mintol et al, 2014).Cette recherche menée auprès de 16 banques tunisiennes sur une période de cinq ans allant de 2010 à 2014, nous a permis de mettre en lumière tout l'impact de l'expertise d'une part et du niveau d'éducation d'autre part sur la prise de risque.La richesse de cette recherche émane de ses résultats affichés après 2012 (à savoir depuis le bouleversement politique que connait le pays depuis début 2011), presque aucun facteur n'influence ni la prise de risque ni la performance. Ces résultats s'expliquent par la situation actuelle du pays : fragile avec une économie vacillante à cause des tumultes de la sécurité ajoutée à l'instabilité d'un pays voisin, d'une part et les nombreuses faiblesses reconnues des banques tunisiennes.

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  • Zouhour Ben Hamadi & Hammami Yosra, 2016. "Expertise du CA, prise de risques et performance : Cas des banques tunisiennes," Post-Print hal-01901202, HAL.
    • Handle: RePEc:hal:journl:hal-01901202
    Note: View the original document on HAL open archive server: https://hal.science/hal-01901202
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    References listed on IDEAS

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