TY - JOUR AU - Laachoub, alae AU - Adaskou, Mohamed PY - 2021/07/06 Y2 - 2024/03/29 TI - Impacts of the Basel III agreements on the The SME’s credit supply of: a panel analysis on Moroccan data JF - International Journal of Accounting, Finance, Auditing, Management and Economics JA - IJAFAME VL - 2 IS - 4 SE - Articles DO - 10.5281/zenodo.5070353 UR - https://www.ijafame.org/index.php/ijafame/article/view/267 SP - 36-60 AB - This paper studies the impact of the Basel III agreements on loan offer to Moroccan SMEs via an econometric model. The question is of capital importance in a context which follows the crisis of 2007, and which requires the reinforcement of the regulatory system in adequacy with the international measures, but which intervenes within the framework of a contraction of the bank financing implied by the recession accentuated by the covid19 crisis, the issue of ex-ant evaluation of the possible impacts of the implementation of Bale III on SMEs, is likely to provide a clearer vision before the full deployment of such a measure. Study combines data specifically to Moroccan SMEs from a large local bank, with characteristic data of the bank in question from the latter's official publications, after associating this data with proxies representing the variables introduced by Bale III in a fixed effect panel model. According to our results, the new regulations have a negative impact on SMEs during the period 2011-2016. The Leverage ratio has the greatest negative impact, followed by the short-term liquidity ratio, while the long-term liquidity ratio has a slight negative effect which may be insignificant in particular due to its non-entry into force according to our results. ER -