قياس و توزيع خدمات الوساطة المالية المقاسة على نحو غير مباشر FISIM في سنة أساس الحسابات القومية لعام 2014 وفقا لنظام الحسابات القومية لعام 2008

الملخص EN

Estimating the output of fisim is imperative work for national accountants, as well as how supply and demand are balanced.

due to non-existence of ready data in different sources.

the accounting team must undertake the measurement process in terms of identifying and processing units producing financial intermediation services in order to identify funds used in financial intermediation and interest on credits and those on deposits.

then select a benchmark rate that reflects the maturity risk structure of loans and deposits as recommended by the 2008 SNA.

considering the close link between the existence of quality data in terms of completeness and detail and the obtaining of estimates which converge with economic reality.

this equation is based on the most appropriate treatment of available data through the application of methods to ensure understanding, the quality and limitations of the data and make the necessary comparisons with the data published in the reports of the institutions that supervise the financial sector.

data from production units operating in the financial intermediation activity as primary banks, microfinance institutions, the deposit fund and development (CDD) were used in this calculation.

other data on resident deposits in foreign banks are available in the financial position of the central bank have been integrated for the estimation of fisim with the rest of the world.

all the above data have enabled us to obtain the elements which are included in the calculation of fisim, namely loans, deposits used in financial intermediation and interest on the funds mentioned above.

based on these data it was illustrated how a reference rate capable of being isolated from the service part included in the interest was chosen.

this allowed the estimation of fisim on credits and deposits.

as regards the employment distribution of fisim, it was made on the data available in the monetary situation which allows the breakdown of loans by economic activity, deposits by institutional sector.

microfinance institutions' data are consumed exclusively by households and CSD lending and deposit data are separated between intermediate and final household consumption in the CSD report.

this new estimation approach helped to have figures closer to reality than the old estimate in terms of coverage of all fisim producing units.

the quality of the data used and the extent to which the 2008 SNA recommendations are applied to the calculation process.

despite the availability of a large amount of data, some limitations remain, particularly with regard to the details of existing information and the absence of certain information concerning agents and operations well identified in the field.

for example, the lack of information on the distribution of loans by economic agents and the absence of deposits by economic activities is a lack of information, and the absence of transactions between households and private enterprises with foreign banks are difficult to estimate.

this treatment made it possible to overcome the difficulties in understanding the observed phenomena and the comparison of the data which facilitated the appreciation of results.