Cilt 9 Sayı 1 (2021): Business & Management Studies: An International Journal
Makaleler

Orta Afrika Ekonomik ve Parasal Topluluğu Bölgesi’ndeki (CEMAC) bankacılık sektöründe finansal istikrar ve likidite riskleri

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  • Henri Kouam
Henri Kouam
Ekonomist, Nkafu Politika Enstitüsü, Yaoundé, Kamerun

Yayınlanmış 25.03.2021

Anahtar Kelimeler

  • Finansal Istikrar, Ekonomi, Yurtiçi Kredi, Banka Likiditesi
  • Financial Stability, Economic, Domestic Credit, Bank Liquidity

Nasıl Atıf Yapılır

Orta Afrika Ekonomik ve Parasal Topluluğu Bölgesi’ndeki (CEMAC) bankacılık sektöründe finansal istikrar ve likidite riskleri. (2021). Business & Management Studies: An International Journal, 9(1), 343-354. https://doi.org/10.15295/bmij.v9i1.1788

Telif Hakkı (c) 2021 Henri Kouam

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Bu çalışma Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License ile lisanslanmıştır.

Nasıl Atıf Yapılır

Orta Afrika Ekonomik ve Parasal Topluluğu Bölgesi’ndeki (CEMAC) bankacılık sektöründe finansal istikrar ve likidite riskleri. (2021). Business & Management Studies: An International Journal, 9(1), 343-354. https://doi.org/10.15295/bmij.v9i1.1788

Öz

Finansal sektörden gelen kredi ve merkezi hükümetin istekleri, bankacılık sektörü likiditesini ve finansal istikrar risklerini nasıl etkiler? Bu makale, yurtiçi kredilerin finansal sektörde etkisini, bankanın sermaye varlık oranını, bankacılık sektörünün likiditesine ilişkin finansal istikrarın temsilcisi olan merkezi hükümete ilişkin istekleri araştıran bir algoritma oluşturuyor.  Sonuçlar, sermaye varlık oranının bankanın %3,1’lik likiditesi üzerinde olumlu ve istatistiksel olarak anlamlı bir etkisi olduğunu göstermektedir. Aynı şekilde, yurtiçi kredinin ve merkezi hükümete ilişkin isteklerin, sırasıyla -0,15% ve -2,5% olmak üzere banka likiditesine zarar verdiğini tespit etmektedir. Çalışma, ticari bankaların, uzun vadede karlılıklarını arttırmak için yüksek değerli yerli projelere yatırım yapmalarını, böylece finansal istikrarı arttırmalarını önermektedir. Buna ek olarak, Merkez Bankası, reel ekonomiye sağladıkları kredi miktarına bağlı olarak bankalar için ek likidite sağlamalıdır.

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