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Déterminants des coûts de transaction des structures de gouvernance du crédit

Déterminants des coûts de transaction des structures de gouvernance du crédit


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About the Book

Cet ouvrage analyse les déterminants des coûts de transaction (CT) des structures de gouvernance du crédit (SGC) des banques commerciales dans les pays en développement, en particulier en Tanzanie, étant donné que le montant des coûts de transaction encourus par les banques pour fournir des crédits influence le choix d'une SGC. Avec des SGC rentables, les petites banques commerciales se lanceront dans l'offre de crédit, augmentant ainsi la concurrence, l'accessibilité au crédit et, par conséquent, la baisse des taux d'intérêt d'emprunt. Des statistiques descriptives, un modèle de régression linéaire, des modèles de régression logistique binaire et multinomiale ont été utilisés pour l'analyse. Quatre modes de structures de gouvernance du crédit susceptibles d'être utilisés par les banques commerciales pour pénétrer les marchés ruraux du crédit sans craindre des coûts de transaction élevés ont été mis en évidence. Ces modes de SGC pourraient également être utilisés pour absorber les coûts de transaction de différentes magnitudes, permettre aux opérations de crédit des banques commerciales de s'étendre aux zones rurales et maximiser la rentabilité. Il a également été révélé que, dans le cadre des opérations de crédit des banques commerciales, les coûts de transaction liés à la surveillance et à l'exécution des contrats de crédit étaient les catégories de CT les plus élevées, ce qui est contraire à ce que suggéraient les auteurs précédents.


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Product Details
  • ISBN-13: 9786208780968
  • Publisher: Editions Notre Savoir
  • Publisher Imprint: Editions Notre Savoir
  • Height: 229 mm
  • No of Pages: 96
  • Spine Width: 6 mm
  • Width: 152 mm
  • ISBN-10: 6208780969
  • Publisher Date: 25 Mar 2025
  • Binding: Paperback
  • Language: French
  • Returnable: N
  • Weight: 190 gr


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