La banque conventionnelle et la banque islamique avec fonds propres: contrat de dépôt et partage du risque de liquidité

Jean-Baptiste Desquilbet () and Fedi Kalai
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Fedi Kalai: EQUIPPE - Economie Quantitative, Intégration, Politiques Publiques et Econométrie - Université de Lille, Sciences et Technologies - Université de Lille, Sciences Humaines et Sociales - PRES Université Lille Nord de France - Université de Lille, Droit et Santé

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Abstract: We consider liquidity creation alternatively in an Islamic and a conventional banking system, a dapting the Dia mond and Dybvig (1983) model to take into account the specifics of Islamic deposit contracts : a contingent payment, a predetermined sharing ratio, guaranteed deposit amounts. We show that, at the equilibrium without runs, an Islamic banking system would offer deposit contracts that are less favourable to depositors, hold more liquid assets and have a lower equity to deposit ratio than a conventional banking system.

Keywords: banque islamique; liquidité; contrat de dépôt; ratio de fonds propres (search for similar items in EconPapers)
Date: 2013
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