{"id":8988,"date":"2025-12-08T14:40:34","date_gmt":"2025-12-08T13:40:34","guid":{"rendered":"https:\/\/ecotous.tn\/%d8%a7%d8%b3%d8%aa%d8%a8%d8%a7%d9%82-%d8%a7%d9%84%d8%a3%d8%b2%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%a8%d9%86%d9%83%d9%8a%d8%a9-%d9%83%d9%8a%d9%81-%d9%8a%d9%85%d9%83%d9%86-%d8%aa%d8%ac%d9%86%d9%91%d8%a8\/"},"modified":"2026-04-12T17:53:31","modified_gmt":"2026-04-12T15:53:31","slug":"%d8%a7%d8%b3%d8%aa%d8%a8%d8%a7%d9%82-%d8%a7%d9%84%d8%a3%d8%b2%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%a8%d9%86%d9%83%d9%8a%d8%a9-%d9%83%d9%8a%d9%81-%d9%8a%d9%85%d9%83%d9%86-%d8%aa%d8%ac%d9%86%d9%91%d8%a8","status":"publish","type":"post","link":"https:\/\/ecotous.tn\/ar\/%d8%a7%d8%b3%d8%aa%d8%a8%d8%a7%d9%82-%d8%a7%d9%84%d8%a3%d8%b2%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%a8%d9%86%d9%83%d9%8a%d8%a9-%d9%83%d9%8a%d9%81-%d9%8a%d9%85%d9%83%d9%86-%d8%aa%d8%ac%d9%86%d9%91%d8%a8\/","title":{"rendered":"\u0627\u0633\u062a\u0628\u0627\u0642 \u0627\u0644\u0623\u0632\u0645\u0627\u062a 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2006 \u0625\u0644\u0649 2021\u060c \u062a\u0645\u062a \u0645\u0642\u0627\u0631\u0646\u0629 \u0646\u0645\u0648\u0630\u062c\u064a\u0646: \u0646\u0645\u0648\u0630\u062c \u062a\u0642\u0644\u064a\u062f\u064a \u0648\u0622\u062e\u0631 \u0628\u0627\u064a\u0632\u064a \u0645\u062a\u0642\u062f\u0645. \u0648\u0643\u0627\u0646\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0648\u0627\u0636\u062d\u0629\u060c \u062d\u064a\u062b \u0623\u0638\u0647\u0631 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0628\u0627\u064a\u0632\u064a \u0642\u062f\u0631\u0629 \u0623\u0641\u0636\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u062a\u0637\u0648\u0631 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p><p>\u0648\u0639\u0646\u062f \u0645\u062d\u0627\u0643\u0627\u0629 \u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0642\u0635\u0648\u0649\u060c \u0643\u0627\u0646\u062a \u0627\u0644\u0625\u0634\u0627\u0631\u0629 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\u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u0645\u0633\u0627\u0639\u062f\u064b\u0627 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u0627\u0633\u062a\u0628\u0627\u0642 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0628\u0634\u0643\u0644 \u0623\u0641\u0636\u0644.<\/p><p>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u0646\u0628\u063a\u064a \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0647\u0630\u0647 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0628\u062d\u0630\u0631\u060c \u0625\u0630 \u062a\u0638\u0644 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0645\u0631\u062a\u0628\u0637\u0629 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629\u060c \u0648\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0623\u0633\u0648\u0627\u0642\u060c \u0648\u0639\u0648\u0627\u0645\u0644 \u062e\u0627\u0631\u062c\u064a\u0629 \u0623\u062e\u0631\u0649. \u0644\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0647\u062c\u064a\u0629 \u062a\u0645\u062b\u0644 \u062e\u0637\u0648\u0629 \u0645\u0647\u0645\u0629 \u0646\u062d\u0648 \u062a\u0639\u0632\u064a\u0632 \u0635\u0644\u0627\u0628\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0628\u0646\u0643\u064a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-463282c e-flex e-con-boxed e-con e-parent\" data-id=\"463282c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-817ef72 elementor-widget elementor-widget-text-editor\" data-id=\"817ef72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<blockquote><div><span style=\"color: #004793;\"><span style=\"color: #004793;\"><b><strong><em>\u0643\u0645\u0627\u0644 \u0627\u0644\u0646\u0648\u064a<\/em><\/strong>&#8211;<\/b> \u062c\u0627\u0645\u0639\u0629 \u0645\u0646\u0648\u0628\u0629\u060c \u0627\u0644\u0645\u062f\u0631\u0633\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0628\u062a\u0648\u0646\u0633 \u0645\u062e\u0628\u0631 LARIMRAF LR21ES29\u060c \u0627\u0644\u0645\u0631\u0643\u0628 \u0627\u0644\u062c\u0627\u0645\u0639\u064a \u0628\u0645\u0646\u0648\u0628\u0629\u060c \u062a\u0648\u0646\u0633<b><br \/><\/b><\/span><\/span><span style=\"color: #004793;\"><span style=\"color: #004793;\"><span style=\"color: #004793;\"><strong><em>\u0648\u0633\u064a\u0645 \u0627\u0644\u063a\u0636\u0627\u0628<\/em>&#8211;<\/strong> \u062c\u0627\u0645\u0639\u0629 \u0645\u0646\u0648\u0628\u0629\u060c \u0627\u0644\u0645\u062f\u0631\u0633\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0628\u062a\u0648\u0646\u0633 \u0645\u062e\u0628\u0631 LARIMRAF LR21ES29\u060c \u0627\u0644\u0645\u0631\u0643\u0628 \u0627\u0644\u062c\u0627\u0645\u0639\u064a \u0628\u0645\u0646\u0648\u0628\u0629\u060c \u062a\u0648\u0646\u0633\u00a0<\/span><\/span><\/span><\/div><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9b56037 e-flex e-con-boxed e-con e-parent\" data-id=\"9b56037\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1689eba elementor-widget elementor-widget-eael-cta-box\" data-id=\"1689eba\" data-element_type=\"widget\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"eael-call-to-action cta-icon-flex bg-lite cta-preset-1\">\n\t    <div class=\"icon\">\n\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-far-file-pdf\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M369.9 97.9L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM332.1 128H256V51.9l76.1 76.1zM48 464V48h160v104c0 13.3 10.7 24 24 24h104v288H48zm250.2-143.7c-12.2-12-47-8.7-64.4-6.5-17.2-10.5-28.7-25-36.8-46.3 3.9-16.1 10.1-40.6 5.4-56-4.2-26.2-37.8-23.6-42.6-5.9-4.4 16.1-.4 38.5 7 67.1-10 23.9-24.9 56-35.4 74.4-20 10.3-47 26.2-51 46.2-3.3 15.8 26 55.2 76.1-31.2 22.4-7.4 46.8-16.5 68.4-20.1 18.9 10.2 41 17 55.8 17 25.5 0 28-28.2 17.5-38.7zm-198.1 77.8c5.1-13.7 24.5-29.5 30.4-35-19 30.3-30.4 35.7-30.4 35zm81.6-190.6c7.4 0 6.7 32.1 1.8 40.8-4.4-13.9-4.3-40.8-1.8-40.8zm-24.4 136.6c9.7-16.9 18-37 24.7-54.7 8.3 15.1 18.9 27.2 30.1 35.5-20.8 4.3-38.9 13.1-54.8 19.2zm131.6-5s-5 6-37.3-7.8c35.1-2.6 40.9 5.4 37.3 7.8z\"><\/path><\/svg>\t    <\/div>\n\t    <div class=\"content\">\n            <h2 class=\"title\">\u0644\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0645\u0642\u0627\u0644<\/h2><p>\"Stress test micro-prudentiel invers\u00e9 pour la gestion du risque du cr\u00e9dit : \u00c9tude de cas sur l\u2019int\u00e9gration de la statistique bay\u00e9sienne dans une banque tunisienne\u201d,\u060c \u0645\u0646\u0634\u0648\u0631 \u0641\u064a <strong>Journal of Academic Finance<\/strong>\u060c \u0627\u0644\u0639\u062f\u062f 15\u060c \u0631\u0642\u0645 1\u060c \u0631\u0628\u064a\u0639 2024.<\/p>\t    <\/div>\n\t    <div class=\"action\">\n            <a href=\"https:\/\/ecotous.tn\/wp-content\/uploads\/2025\/12\/Article-Kamel-Naoui.pdf\" target=\"_blank\" class=\"cta-button  \">Lire<\/a>\t    <\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0643\u0644 \u0642\u0631\u0636 \u062a\u0645\u0646\u062d\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u0627\u0630\u0627 \u0644\u0648 \u0644\u0645 \u064a\u0642\u0645 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u0628\u0627\u0644\u0633\u062f\u0627\u062f\u061f \u0625\u0646\u0647\u0627 \u0645\u062e\u0627\u0637\u0631\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0633\u0628\u0642 \u0623\u0646 \u062a\u0633\u0628\u0628\u062a \u0641\u064a \u0623\u0632\u0645\u0627\u062a \u0643\u0628\u0631\u0649\u060c \u0645\u062b\u0644 \u0623\u0632\u0645\u0629 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0639\u0627\u0644\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (Subprime) \u0633\u0646\u0629 2008. \u063a\u064a\u0631 \u0623\u0646 \u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u062a\u062c\u062f \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0633\u062a\u0628\u0627\u0642 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0642\u0635\u0648\u0649. \u0648\u0644\u062a\u0641\u0627\u062f\u064a \u0630\u0644\u0643\u060c \u062a\u0644\u062c\u0623 \u0627\u0644\u0628\u0646\u0648\u0643 \u0625\u0644\u0649 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0636\u063a\u0637\u060c \u0648\u0647\u064a \u0645\u062d\u0627\u0643\u0627\u0629 [&hellip;]<\/p>\n","protected":false},"author":130,"featured_media":8992,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1420],"tags":[1309,1307,1308,1306,935],"ppma_author":[1310,1311],"class_list":{"0":"post-8988","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-gouvernance","8":"tag-gouvernance-financiere","9":"tag-risque-bancaire","10":"tag-statistique-bayesienne","11":"tag-stress-test-inverse","12":"tag-tunisie"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0627\u0633\u062a\u0628\u0627\u0642 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629: \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u062a\u062c\u0646\u0651\u0628 \u0627\u0644\u0645\u0641\u0627\u062c\u0622\u062a \u0627\u0644\u0645\u0643\u0644\u0641\u0629\u061f 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\u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u0627\u0630\u0627 \u0644\u0648 \u0644\u0645 \u064a\u0642\u0645 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u0628\u0627\u0644\u0633\u062f\u0627\u062f\u061f \u0625\u0646\u0647\u0627 \u0645\u062e\u0627\u0637\u0631\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0633\u0628\u0642 \u0623\u0646 \u062a\u0633\u0628\u0628\u062a \u0641\u064a \u0623\u0632\u0645\u0627\u062a \u0643\u0628\u0631\u0649\u060c \u0645\u062b\u0644 \u0623\u0632\u0645\u0629 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0639\u0627\u0644\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (Subprime) \u0633\u0646\u0629 2008. \u063a\u064a\u0631 \u0623\u0646 \u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u062a\u062c\u062f \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0633\u062a\u0628\u0627\u0642 \u0645\u062b\u0644 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