ANÁLISE TEÓRICA-EMPÍRICA DA HIPÓTESE QUIT-LIFE NO SECTOR BANCÁRIO ANGOLANO

MANUEL MARIA  DIAS; EURICO LIONJANGA CANGOMBE

Autores

Manuel Dias Faculdade de Economia da Universidade José Eduardo dos Santos https://orcid.org/0000-0001-8470-4272
Eurico Cangombe Faculdade de Economia da Universidade José Eduardo dos Santos

Palavras-chave:

Eficiência, Concentração, Angola, Sector bancário, Quiet-life

Resumo

O presente artigo tem como objectivo testar a hipótese Quit-life (QL) no sector bancário angolano. Para alcançar o objectivo desenhou-se uma metodologia assente nos modelos econométricos. O custo e escala eficientes foram determinados a partir do modelo Stochastic Frontier Analyse e para testar a hipótese em análise foram aplicados modelos com dados em painel, e o teste Hausman mostrou que os modelos de efeitos aleatórios descrevem melhor os dados angolanos. Fazem parte da amostra em estudo 22 bancos dos 29 bancos que operaram em Angola, no período de 2007 a 2019. Os resultados mostram que, o custo médio eficiente é de 0.77 nos 22 bancos estudados e operam na escala ineficiente de 0.74, os resultados confirmam a hipóteses Quiet-life no sector bancário angolano, o que constitui desafios tanto para os decisores políticos como para os gestores bancários.

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