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Confiance dans le système bancaire et croissance économique

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  • Jean-Bernard Chatelain
  • Olivier De Bandt
  • Bruno Amable

Abstract

[fre] Cet article propose un modèle de croissance endogène dans lequel on intro­duit des intermédiaires financiers en concurrence imparfaite et une rémunération du capital soumise à un choc macroéconomique. Les anticipations rationnelles des ménages sur le risque de faillites bancaires (dont ils supportent en partie les coûts) influencent leurs décisions de dépôts, contribuent à déterminer le taux de croissance, et peuvent être à l'origine d'un piège à pauvreté. La réglementation de l'entrée dans le secteur bancaire peut, dans certains cas, permettre un meilleur arbitrage entre l'efficacité et la stabilité du secteur bancaire, et, en conséquence, augmenter le nombre de dépôts, la croissance et le bien-être. [eng] This paper presents a model of endogenous growth with imperfect competition in the banking sector and macroeconomic uncertainty. Households have rational expectations of banks failures, whose costs affect their deposit behaviour and the growth rate and may cause a self-fulfilling poverty trap. The regulation of entry in the banking sector may provide a better tradeoff between stability and efficiency than free entry, and increase the number of deposits, growth and welfare.

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Bibliographic Info

Article provided by Programme National Persée in its journal Revue économique.

Volume (Year): 48 (1997)
Issue (Month): 3 ()
Pages: 397-407

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Handle: RePEc:prs:reveco:reco_0035-2764_1997_num_48_3_409881

Note: DOI:10.2307/3502827
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Web page: http://www.persee.fr/web/revues/home/prescript/revue/reco

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  1. Bordo, Michael D. & Rockoff, Hugh & Redish, Angela, 1994. "The U.S. Banking System From a Northern Exposure: Stability versus Efficiency," The Journal of Economic History, Cambridge University Press, vol. 54(02), pages 325-341, June.
  2. Besanko, David & Thakor, Anjan V., 1992. "Banking deregulation: Allocational consequences of relaxing entry barriers," Journal of Banking & Finance, Elsevier, vol. 16(5), pages 909-932, September.
  3. Diamond, Douglas W, 1984. "Financial Intermediation and Delegated Monitoring," Review of Economic Studies, Wiley Blackwell, vol. 51(3), pages 393-414, July.
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