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Nombre de banques et relations de crédit. Une approche empirique

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  • Ydriss Ziane

Abstract

This paper tests various theories relative to the choice of the number of bank relationships on a french sample of 244 small and medium business. We formulate hypotheses relative to firm?s characteristics and to the impact of this choice on collateral requirements, cost and exposure to bank credit rationing. Firm?s size, profitability as well as the degree of opacity significantly reduce the number of banks. From the supply point of view, behaviours depend on the competition level represented by the firm?s number of banks. The effects of the lending relationship depend on the risk level represented by the degree of implication of the bank in the financing of the firm. Classification JEL : G21, G32.

Suggested Citation

  • Ydriss Ziane, 2004. "Nombre de banques et relations de crédit. Une approche empirique," Revue économique, Presses de Sciences-Po, vol. 55(3), pages 419-428.
    • Handle: RePEc:cai:recosp:reco_553_0419
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    Citations

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    Cited by:

    1. Giovanni Ferri, 2016. "Regolamentazione bancaria: serve un cambio di approccio," ECONOMIA E DIRITTO DEL TERZIARIO, FrancoAngeli Editore, vol. 2016(3), pages 383-408.
    2. Kadjie Kadjie Christelle Flore & Guy Réné OMENGUELE, 2019. "L' effet synergique des déterminants de l'accès au financement bancaire par les PME au Cameroun," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 10(2), pages 84-101, December.
    3. Brick, Ivan E. & Palia, Darius, 2007. "Evidence of jointness in the terms of relationship lending," Journal of Financial Intermediation, Elsevier, vol. 16(3), pages 452-476, July.
    4. Mohamed Oudgou & Abdeslam Boudhar, 2023. "The bank–SME relationship and rationing risk reduction: an empirical study on survey data," SN Business & Economics, Springer, vol. 3(8), pages 1-39, August.

    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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