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Offre bancaire et financement des territoires par les banques coopératives régionales : l'exemple de la Caisse d'Épargne Languedoc-Roussillon

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  • Valérie Combes-Santonja

Abstract

Created in 1818, French Savings Banks are just 200 years old and have always sticked to their initial mission, being anchored in their territories to support their inhabitants and the local ecosystem. The regional cooperative bank business model relies on a specific governance, a territorial-based activity and the use of regional savings to finance regional projects. Being able to supply the very needs of all regional actors ? households, companies, local governments, social and private real estate developers, associations? - it therefore provides a real economic added value. This business model enhances innovation abilities and backs the different players by providing new financial products and support during the different stages of their development. The case of Languedoc Roussillon Caisse d'Epargne is an example of this specific business model. Classification JEL : G21, G32, R11.

Suggested Citation

  • Valérie Combes-Santonja, 2018. "Offre bancaire et financement des territoires par les banques coopératives régionales : l'exemple de la Caisse d'Épargne Languedoc-Roussillon," Revue d'économie financière, Association d'économie financière, vol. 0(4), pages 167-178.
    • Handle: RePEc:cai:refaef:ecofi_132_0167
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    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
    • R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes

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