Une « maquette » du système financier français : le cas des banques inscrites

摘要

A model of the french financial system : the case of the «banques inscrites», by Evelyne Deval-Guilly, François Renard. The model of the French financial system suggests a method of analysis and forecast in banking activity based on the proceedings of trading accounts. The emphasis has been laid on each operation's responsiveness to interest rates variations and a thorough study of the evolution of spreads. The method enables one to bring into relief some features of the recent evolution of the banking system, especially its adaptability to high interest rates conjoncture which it has been faced with these last years; Besides, the method enables one to assess rigidities of this system, which contributes to keeping up interest rates. The first part of the article lays down the principJes used to make up the analytical framework, limited for the time being to the only «banques inscrites». The way the framework has been made up is being dealt with in the second part. Lastly, the third part is devoted to the survey of retrospective accounts (1980 82) and the making up of an estimated account for 1983.