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Credit Rationing, Customer Relationship and the Number of Banks: an Empirical Analysis

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  • Eric de Bodt
  • Frédéric Lobez
  • Jean-Christophe Statnik
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    Abstract

    "The recent important transformations of the banking sector, especially through numerous mergers and acquisitions, both in Europe and in the USA, have raised serious concerns for the financing of small businesses (SBS). Indeed, SBS are known to be heavily dependent of this financing channel but to be rather opaque. It has long been thought that banks classically solved this problem by developing long term customer relationships. But will the new large banks, born from the current restructuring process, be able to continue to play this role? If not, what strategy should SBS develop to compose their bank pool in order to avoid, as much as possible, credit rationing? These questions are at the heart of our analysis. We show that there is no unique rule: all depends on the degree of SBS opacity and the kind of bank the SBS are working with". Copyright Blackwell Publishing Ltd, 2005.

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    Bibliographic Info

    Article provided by European Financial Management Association in its journal European Financial Management.

    Volume (Year): 11 (2005)
    Issue (Month): 2 ()
    Pages: 195-228

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    Handle: RePEc:bla:eufman:v:11:y:2005:i:2:p:195-228

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    Cited by:
    1. Degryse, H.A. & Ongena, S., 2006. "The Impact of Competition on Bank Orientation," Discussion Paper 2006-68, Tilburg University, Center for Economic Research.
    2. Castelli , Annalisa & Dwyer, Gerald P & Hasan, Iftekhar, 2009. "Bank relationships and firms’ financial performance: the Italian experience," Research Discussion Papers 36/2009, Bank of Finland.
    3. Vigneron, Ludovic & Hajj Chehade, Hiba, 2013. "Structuration du pool bancaire de la PME : une revue de la littérature
      [Structuring SMEs' banks relationships: a review]
      ," MPRA Paper 50498, University Library of Munich, Germany.

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