Les contradictions de la norme dans la maîtrise des risques bancaires : résultats d'une recherche-action conduite en position de praticien réflexif dans une banque régionale

Abstract : The recent global financial crises that have almost jeopardized the world economy and shaken the global economic and financial systems have forced political authorities and institutions to strengthen their current laws and regulations to help safeguard against any future crises. In this context, risk control, transparency and visibility of information have become the foundations which standards seek to put in order to keep future crises at a distance. This thesis aims to describe the impact of the multiplicity of norms in the banking sector which can result in constraints, contradictions and significant costs for the bank. The purpose of this work is to present the mechanisms put in place by the banking establishment to meet the current regulatory requirements as well as analyze the consequences, coherences and stakes of the standards on risk management and on the internal organization of the establishment. The results underline the interest of the integral management of norms in the financial sector. The research results show that the performance of a retail bank will depend directly on its ability to anticipate and manage the various sets of standards it faces. The management of the "standard" is now becoming a major topic in the banking sector as well as risk management. Both are intrinsically linked.The foundation of this work is based on a four-year longitudinal case study built from action research at a retail bank. This approach is based on semi-structured interviews, content analysis of internal documents, meetings ... The study has mobilized control and risk theory as well as “tetranormalization” theory in order to analyze the management of norms in banking institutions.
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Imen Yacoub. Les contradictions de la norme dans la maîtrise des risques bancaires : résultats d'une recherche-action conduite en position de praticien réflexif dans une banque régionale. Gestion et management. Conservatoire national des arts et metiers - CNAM, 2018. Français. ⟨NNT : 2018CNAM1210⟩. ⟨tel-02018158⟩

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