Regulatory capital and stability of Islamic and conventional banks
Regulatory capital and stability of Islamic and conventional banks
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伊斯兰和传统银行的监管资本和稳定性
DOI：
10.1108/imefm-06-2016-0079
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发表时间：
2017
影响因子：
3
通讯作者：
Khemaies Bougatef
中科院分区：
文献类型：
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作者：
Fakhri Korbi;Khemaies Bougatef
目的----本文的目的有两个。首先，它试图确定影响伊斯兰和传统银行稳定性的因素。其次，重点分析了监管资本与银行稳健性之间的关系。设计/方法/方式-因此，作者使用Z分数来评估1999年至2014年期间在中东和北非地区运营的伊斯兰和传统银行的稳定性。结果-比较分析表明，伊斯兰银行似乎是不太稳定，比他们的传统同行。关于银行稳定性的决定因素，研究结果表明，监管资本是加强银行体系稳健性的根本因素。作者还发现，银行的稳定性既取决于银行的具体变量，以及宏观经济和制度变量。有趣的是，腐败程度对这两类银行的财务实力产生了重大的负面影响。独创性/价值-作者认为，调查监管资本和失败的风险之间的关系，在伊斯兰和传统银行之间的比较研究值得特别注意，看起来非常有趣，因为它将使他们能够识别的差异，解释失败的风险的每种类型的银行的因素。作者还认为，腐败和银行稳定之间的关系的分析是非常有趣的，因为腐败可以被视为道德风险的一个例子，迫使伊斯兰银行使用非PLS工具。
Purpose - The purpose of this paper is twofold. First, it attempts to determine the factors that influence the stability of Islamic and conventional banks. Second, it focuses on the relationship between the regulatory capital and bank soundness. Design/methodology/approach - Thus, the authors use the Z-score to assess the stability of Islamic and conventional banks operating in the Middle East and North Africa region over the period 1999 to 2014. Findings - The comparative analysis reveals that Islamic banks seem to be less stable than their conventional peers. With regard to the determinants of bank stability, the findings suggest that the regulatory capital represents the primordial factor that reinforces the soundness of banking systems. The authors also find that bank stability depends on both bank-specific variables as well as macroeconomic and institutional variables. Interestingly, the corruption level turns out to have a significant negative effect on financial strength in the both types of banks. Originality/value - The authors believe that investigating the relationship between regulatory capital and the failure risk in a comparative study between Islamic and conventional banks deserves a particular attention and looks very interesting because it will allow them to identify the difference between the factors explaining the failure risk of each type of banks. The authors also believe that the analysis of the relationship between corruption and bank stability is very interesting because corruption can be seen as an example of moral hazard which forces Islamic banks to use non-PLS instruments.
阅读，A.F.：“进化生物学可以为理解毒力做出什么贡献？第 205-215 页，S.Stearns 编辑的《健康与疾病的进化》。”
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