LES PRINCIPAUX PROBLÈMES DE L’INEFFICIENCE DU SYSTÈME BANCAIRE TUNISIEN

Our article presents an analysis of the efficiency of the banking sector by comparing the efficiency of private banks and public banks. Indeed, the difficult situation in which Tunisian public banks are passing leads us to determine the causes of the inefficiency of these banks and obliges us to seek the possible solutions to this problem. Possible solutions include three cases : merger, recapitalization and privatization. Our sample is made up 2 L’ACTUALITÉ ÉCONOMIQUE of all Tunisian commercial banks during the period 2005-2014. To measure the efficiency of these banks, we use translogarithmic specification for the cost function. The results show that public banks are more inefficient than private banks with a smaller size : private banks have the highest efficiency scores, with a sectoral average of (81.3 %). Indeed, credit risks are the main cause of the technical inefficiency of public banks. This implies that the latter have many problems of management and in particular of governance.