Au cœur du débat qui rassemble les différents opérateurs sur la question de solvabilité des conglomérats financiers, l’évaluation du capital nécessite, en parallèle de la réglementation, le développement des modèles internes capables de prendre en considération l’effet de diversification et de nouveaux risques engendrés par l’intégration des sociétés dans le conglomérat. Les banques et les sociétés d’assurance développent de plus en plus de modèles de capital économique utilisés à la fois pour la détermination des exigences en capital réglementaire et la gestion interne des risques et du capital. Avec la domination des conglomérats du système financier mondial, l’objectif peut être l’extension de ce type de modèles au niveau global des conglomérats. Les principaux défis pour la construction de ce type de modèles résident dans l’identification et la modélisation de tous les risques qui peuvent affecter la solvabilité des conglomérats et la corrélation entre ces risques. En plus des difficultés liées à l’évaluation des corrélations et des risques, les méthodes de mesure et de gestion au sein des conglomérats peuvent différer d’un secteur à un autre et d’une entité à une autre. L’objectif de cette thèse est d’identifier et d’analyser l’impact des différentes sources de diversification et facteurs de risques, dont ceux engendrés par l’exercice conjoint de l’activité bancaire et d’assurance, sur le niveau des risques et du capital des conglomérats. / As part of the debate involving many operators on the question of the solvency of financial conglomerates, the assessment of capital needs -beside regulation- the development of internal models able to take into account the effect of diversification and new risks caused by the integration of companies in the conglomerate. Banks and insurance companies develop more and more models of economic capital which are used both for the determination of the demand of statutory capital as well as for managing internal risk and capital. With the influence of the conglomerates of the world financial system, the aim must be to extend the use of these models across conglomerates on a global level. The main challenges facing the construction of these models concern the identification and the modelling of all risks which could affect the solvency of the conglomerates and the correlation between these risks. In addition to the difficulties linked to the assessment of correlations and risks, the methods of measurement and management within the conglomerate could vary from one sector to another and from one entity to another. The purpose of this thesis is to identify and analyse the impact of different sources of diversification and factors of risk – i.e. which are caused by the joint exercise of bank and insurance activity- on the level of risks and the capital of conglomerates.

Cette thèse a été réalisée, entre autres, grâce à une subvention reçue du Fonds de recherche du Québec – Société et culture et de son partenaire le ministère de l’Éducation, du Loisir et du Sport (MELS) Les analyses contenues dans cette thèse ont été réalisées au Centre interuniversitaire québécois de statistiques sociales (CIQSS), membre du Réseau canadien des centres de données de recherche (RCCDR). Les activités du CIQSS sont rendues possibles grâce à l’appui financier du CRSHC, des IRSC, de la FCI, de Statistique Canada, du FRQSC ainsi que de l’ensemble des universités québécoises qui participent à leur financement. Les idées exprimées dans ce texte sont celles des auteurs et non celles des partenaires financiers. / Ce travail explore le phénomène social que sont l’élaboration et la variation des aspirations scolaires réalistes chez les finissants du secondaire tout au long de leurs études, soit sur une période de huit années. L’idée est de faire ressortir les fac-teurs en jeu, en se référant aux deux concepts sociologiques d’importance dans le milieu de l’éducation que sont l’habitus de Pierre Bourdieu et la rationalité de Ray-mond Boudon. En somme, cette thèse explore dans quelle mesure les facteurs liés à au parcours de l’élève (base de référence pour un calcul rationnel) et à l’héritage so-cioculturel (habitus) peuvent intervenir sur l’élaboration des aspirations scolaires dites réalistes et la variation des aspirations. Les analyses ont été effectuées en deux temps. La première consiste en une régression logistique pour l’analyse transversale selon les données de l’enquête au-près des jeunes en transition (EJET). Analyse qui avait pour intention de faire ressor-tir les principaux facteurs qui interviennent lors de l’élaboration d’une aspiration sco-laire chez les élèves canadiens qui sont à la fin de leurs études secondaires. Par la suite, une seconde analyse a été faite, toujours avec les données d’EJET, afin de poser un regard longitudinal sur ce phénomène afin de prendre connaissance des facteurs qui interviennent tout au long de leur parcours; pour ce faire une régression d’estimation d’équation généralisée a été effectuée. Les résultats tendent à suggérer que l’élève exécute bel et bien un calcul ra-tionnel pour l’élaboration et la variation des aspirations scolaires réalistes, mais un calcul qui est, avant tout, influencé par l’habitus, surtout selon le niveau d’études des parents (capital culturel institutionnalisé). Par ailleurs, ce calcul rationnel serait da-vantage influencé par la moyenne générale déclarée lors des études au secondaire et lors des premières années à la suite des études secondaires. Ainsi peut-on dire que l’élaboration et la variation d’une aspiration scolaire réaliste se conçoivent sur la base d’un héritage culturel et d’un parcours scolaire constitués d’un ensemble d’expériences scolaires récentes, qui pourrait se conceptualiser sous « la rationalité en habitus ». / This thesis investigates the social phenomenon of the elaboration and adjustment of realistic educational aspirations for high school graduates during the ten-year period preceding graduation. Its aim is to determine which factors most affect realistic edu-cational aspirations in the light of two major sociological concepts: Pierre Bourdieu’s concept of habitus and Raymond Boudon’s concept of rationality. In short, this thesis explores the manner in which factors linked to educational experience (the baseline for rational calculating) and to sociocultural heritage (habitus) may affect the cons-truction of so-called realistic educational aspirations and their adjustment The analyses are done in two distinct parts. The first part consists of logistic regres-sion analysis using cross-sectional data drawn from the Youth in Transition Survey (YITS). The aim of this analysis is to identify the main factors that enter into consid-eration during the construction of educational aspirations for Canadian students ap-proaching high school graduation. The second part, also using YITS data, examines this phenomenon with a longitudinal perspective in order to identify which factors affect aspirations throughout Canadian students’ educational experience. This is done using generalized estimating equations (GEE) regression. The results show that young students, predictably, use rational calculation when con-structing and adjusting realistic educational aspirations, but also that such a calcula-tion is highly influenced by the habitus, especially by the parents’ education level (institutionalized cultural capital). Moreover, the students’ calculation proves to be significantly constrained, when assessing the risks of following different educational aspirations, by the self-reported overall high school average and additional grades in the first years of a postsecondary studies.

Submitted by Johnny Rodrigues (johnnyrodrigues@ufcg.edu.br) on 2017-09-14T19:25:08Z No. of bitstreams: 1 A política como negócio de famílias_os herdeiros e a força dos capitais 2.pdf: 3410366 bytes, checksum: 78e434f5c6997466c3c38d4fb8ebe428 (MD5) / Made available in DSpace on 2017-09-14T19:25:08Z (GMT). No. of bitstreams: 1 A política como negócio de famílias_os herdeiros e a força dos capitais 2.pdf: 3410366 bytes, checksum: 78e434f5c6997466c3c38d4fb8ebe428 (MD5) Previous issue date: 2016-04-25 / A tese discute a formação da elite política e suas dinâmicas de circulação nos mais variados espaços de controle do Estado, tendo como recorte temporal 1985 a 2015. O objeto empírico são as famílias políticas e as novas famílias políticas que possuem parentes na Câmara Federal e ocupam outras instâncias de representação política na “Nova República”. A hipótese levantada é que para ocupar cargo público de caráter eletivo/representativo no contexto da “Nova República” necessita-se acumular dois tipos de capitais – capital econômico e capital político-familiar. O estudo percorre três objetivos: 1) Verificar se as famílias políticas e/ou as novas famílias políticas, por meio de seus parentes e da parentela, ainda se configura em uma chave de compressão e de constituição do poder político no Estado; 2) Identificar os espaços e as instâncias de poder que os agentes destas famílias controlam; e 3) Compreender de que forma a estrutura de poder político encontra-se assentada nos supracitados capitais e como constituem os ativos políticos que possibilitam o sucesso eleitoral e a reprodução do poder e da dominação no Estado da Paraíba. Para a consecução de tais objetivos e o teste da hipótese levantada, utiliza a genealogia e a pesquisa documental por meio dos bancos de dados: i) do Tribunal Superior Eleitoral; ii) do Departamento Intersindical de Assessoria Parlamentar; iii) do Centro de Pesquisa Documental de História Contemporânea. Os dois primeiros bancos servem para a montagem dos gráficos e tabelas com base na estatística descritiva. O banco de documentos do CPDOC, bem como as biografias e as informações disponibilizadas no site do Congresso em foco, servem de base para a compreensão e demonstração do capital políticofamiliar. No que diz respeito ao volume de capital econômico, utiliza o banco de dados do TSE (2016) referente ao patrimônio declarado pelos agentes políticos; e, consequentemente, as “doações” destinadas pelas empresas aos partidos e aos candidatos que se encontram disponibilizadas em sites como Excelências. Com base em tais dados, depois de realizada a análise, constata que os agentes das famílias políticas e das novas famílias políticas inserem-se no campo político e ocupam os cargos eletivos da “Nova República”, acessando capitais. Conclui que as famílias estudadas construíram uma estrutura de poder político e econômico e, consequentemente, de dominação política que se perpetua ao longo do tempo. E que estes capitais (simbólicos e materiais) são transmitidos de geração a geração, num acúmulo constante de poder e que tende a se aprofundar nas próximas décadas, visto que os herdeiros são os que têm/estão ocupado/ocupando as principais instâncias de representação política da “Nova República”. Comprova ainda que dificilmente algum indivíduo acessa os cargos eletivos da “Nova República” sem que tenha volume considerado de tais capitais. O que coloca em cheque a concepção de que as eleições são livres, justas e abertas a todos os cidadãos, bem como cai por terra, em parte, o princípio constitucional de que na República os mandatos são limitados (e não hereditários). Os “privilégios” e a “hereditariedade” prevalecem no Estado, porém mascarados pela lógica liberal de competição e pelo discurso do “mérito”, estes escondem o acesso desigual às instituições. A política se torna, portanto, o espaço dos “privilegiados” que controlam partidos, mídia e outras instâncias – como os equipamentos sociais públicos – que transformam em “lugares de memória” e se perpetuam em sua dimensão simbólica. A política se transforma, no contexto atual “republicano” e pela lógica dos capitais, em negócio de família. / The thesis discuss about the formation of political elite and your dynamics of circulation in the most varied spaces of State control, since 1985 to 2015. The empirical aim was the “political families” and the “new political families” that have relatives in the Federal Chamber and occupy other instances of political representation in the “New Republic”. The hypothese of the work is that to occupy public office of elective/representative character in the context of “New Republic” is necessary have two type of capital – economical capital and political family capital. The specific aim was: 1) Verify if the political families and/or new political families, by their relatives, still represents a key of compression and constitution of the political power of State; 2) Identify the spaces and instances of power that the agents these families control; and 3) Understand how the structure of the political power encounter settled in the aforementioned capital and how make the political actives that possibility the electoral success and the reproduction of power and the dominance in the Paraíba State. For this, its was made a genealogical analyses and documental research by database of: i) the Superior Electoral Court (TSE); ii) the Interunion Department of Parliamentary Advisory; and iii) the Center of Documental Research and Contemporary History (CPDOC). The first two databases served for building of graphical and tables based on descriptive statistics. The CPDOC document database, as well the biographies and information available on the website: "Congress in focus" served as basis for understanding and demonstration of the political family capital. With regard to the volume of economic capital, was made use of the TSE database (2016) relative to declared patrimony by politicians; and hence the "donations" designed by companies to parties and candidates that are available at sites like "Excellencies". Based on these data, after performed the analysis, it was found that the agents of the political families and new political families fit into the political field and the occupy elective positions of the "New Republic", accessing impersonal capital. It was found that the researched "families" built a power political and economical structure and, therefore, policy domination that is perpetuated over time. And these capital (symbolic and material) are transmitted from generation to generation in a constant accumulation of power and that tends to deepen in the coming decades because the heirs are those who have/are occupy/occupied the main instances of political representative of the "New Republic". The research also proved that hardly any individual accesses the elective offices of the "New Republic" without having considered volume of these two type of capital. This puts into question the idea that the elections are free, fair and open to all citizens; and falls to the ground, in part, the constitutional principle that in the republic the mandates are limited (or non-hereditary). The "privileges" and "heredity" prevail in the State, but masked by the liberal logic of competition and the discourse of "merit", they conceal the unequal access to the institutions. The politics becomes, therefore, the space of the "privileged" that control parties, media and other instances - such as public social equipment’s - turning into "places of memory" and perpetuates in your symbolic dimension. The politics is transforms, in the current "Republican" context and the logic of capital, in family business.

L’objectif de ce mémoire est d’analyser le rôle de la composition culturelle et économique des écoles secondaires fréquentées à 15 ans sur l’échec scolaire à 25 ans. À partir des données de Statistique Canada (Enquête sur les jeunes en Transition), nous proposons une analyse originale portant sur l’inégalité des chances en matière de réussite scolaire ou plutôt de l’échec scolaire au secondaire à 25 ans. Théoriquement, nous mobilisons le cadre d’analyse théorique de la reproduction sociale de Pierre Bourdieu. L’originalité de notre approche est double. Nous prenons d’abord en compte à la fois des caractéristiques individuelles des élèves, mais aussi de la composition sociale des établissements qu’ils fréquentent. Nous intégrons par ailleurs à ces deux niveaux d’analyse une multiplicité d’indicateurs identifiés comme importants dans la réussite scolaire : multiplicité pouvant être culturelle, économique, sociale, ethnique et de genre. Nos résultats nous conduisent à constater l’existence d’un double primat du capital culturel en éducation dans la mesure où le niveau d’éducation des parents et le pourcentage de parents sans diplômes dans l’école sont de loin les deux facteurs explicatifs les plus déterminants de l’absence de diplomation du secondaire à 25 ans. Cela nous conduit à critiquer la production d’indices synthétiques de défavorisation par les acteurs scolaires : la proportion de familles monoparentales, divorcées ou vivant seuls, la proportion de chômeurs, le revenu moyen du quartier ou encore la proportion de gens sans diplômes dans l’agglomération d’une école. En plus de ne pas contribuer à prédire l’échec scolaire, ces indices pourraient contribuer à renforcer la stigmatisation des écoles. Enfin, nous montrons que le statut de l’école (public régulier, public enrichi et privé), le genre, l’origine ethnique et le revenu des parents conservent un impact significatif après contrôle du capital culturel au niveau individuel et de l’école. / The objective of this thesis is to study the role of the cultural and economic composition of elementary schools attended at age 15, on non-graduation at age 25. Using data from Statistics Canada (Youth in Transition Survey), we proposed an original analysis of the inequality of opportunities in terms of academic success or rather non-success in high school at age 25. Theoretically, we use Pierre Bourdieu's theoretical framework for social reproduction. The originality of our approach is twofold. We first take into account both the individual characteristics of the students, but also the social composition of schools they attend. We also integrate at these two levels a multiplicity of indicators identified as important in educational success: cultural, economic, social, ethnic and gender. Our results lead us to note the existence of a double primacy of cultural capital in education insofar as the level of parents' education and the percentage of parents without a diploma in school are by far the two most important explanatory factors of non-graduation from high school at age 25. The study allowed us to criticize the production of synthetic indices of deprivation by educational actors: the proportion of single-parent families, divorced or living alone, the proportion of unemployed, the average income of the district or the proportion of people without qualifications in the agglomeration. of a school, in addition to not helping to predict academic non-success in high school, could contribute to reinforcing the stigmatization of schools. Finally, we show that the status of the school (regular public, enriched public and private), gender, ethnicity and parental income retain a significant impact after controlling cultural capital at the individual and school level.