یافتههای تحقیقی انجام شده توسط صندوق بینالمللی پول حاکی از آن است که احتمال بروز بحران بانکی در کشوری که درگیر نزاع داخلی و بیثباتی سیاسی است، ۲.۵ برابر بیشتر از سایر کشورها است.
از صندوق بینالمللی پول، در حالی که تاثیرات اقتصادی درگیری داخلی و بیثباتی سیاسی در کشورها به شکلی جامع و گسترده مورد تحلیل قرار گرفته است، توجه چندانی به تاثیرات این موضوع بر بانکها نشده است.
در این بین، صندوق بین المللی پول با تحت پوشش قرار دادن این خلاء، تحقیقاتی را در این خصوص انجام داده است که آیا تنش و بیثباتی فزاینده سیاسی در سطح جهان طی چند دهه اخیر، به بحرانهای بانکی بیشتری در کشورهای در حال توسعه منجر شده است یا خیر.
صندوق در این تحقیق بر تاثیرات احتمالی درگیری و بیثباتی سیاسی در بحران های سیستماتیک بانکی در ۹۲ کشور در حال توسعه در فاصله سالهای ۱۹۷۰ تا ۲۰۱۶ تمرکز کرده است. یافتههای این تحقیق حاکی از آن است که احتمال وقوع بحران بانکی در کشوری که درگیر نزاع سیاسی است، ۲.۵ برابر بیشتر است.
درگیریها و بیثباتیهای سیاسی در کشورهای همسایه نیز، احتمال بروز بحران مالی را در یک کشور افزایش میدهد و این در حالی است که در صورت ماندگاری درگیری برای مدت ۱۰ سال، احتمال وقوع بحران بانکی ۲۵ درصد است؛ این رقم در صورت ماندگاری دو ساله نزاع سیاسی، ۱۶.۴ درصد است.
در نمودار زیر رابطه بین کشورهای درگیر نزاع و کشورهای درگیر بحران مالی نشان داده شده است.
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برای مثال در جریان جنگ داخلی سیرالئون (۱۹۹۱ تا ۲۰۰۲)، بیش از ۴۰ درصد وام های سیستم بانکی مشکوک الوصول شده و در سال ۱۹۹۴ نیز جواز فعالیت یک بانک نیز تعلیق شد. در جمهوری آفریقای مرکزی، وام های مشکوک الوصول به یک سوم کل وامهای اعطایی افزایش پیدا کرد و به دنبال درگیری داخلی سال ۲۰۱۳، برخی از بانکها ورشکست شدند.
درگیریها و بیثباتی سیاسی میتواند روی ظرفیت بازدهی یک کشور تاثیر منفی گذاشته و این موضوع متعاقبا به کاهش درآمدهای دولت و افزایش هزینههای بیثمر همچون هزینههای نظامی، منجر شده که خود به بحران مالی میانجامد؛ چنین اتفاقی عدم کارایی دولت و تضعیف موسسات مالی را موجب خواهد شد.
ایجاد فضای مالی کافی در مقاطع عادی و عاری از نزاع، میتواند احتمال وقوع بحران مالی را کاهش داده و در نتیجه به کاهش احتمال بحران های سیستماتیک بانکی منجر شود. تحقیقات صندوق حاکی از آن است که سیاستگذاران باید همچنین به نزاع های کشورهای همسایه نیز توجه کنند حتی اگر از لحاظ داخلی درگیر جنگ و درگیری نباشند زیرا با توجه به فعالیت فرامرزی بانکها، سیستم بانکی آنها نیز میتواند تحت تاثیر منفی عواقب جنگ داخلی جاری در کشور همسایه قرار گیرد.
لینک مطلب:
https://www.eranico.com/fa/content/123908