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Le rôle de la relation de clientèle comme barrière à l'entrée sur les marchés bancaires

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  • Laurent Weill

Abstract

[fre] Le rôle de la relation de clientèle comme barrière à l'entrée sur les marchés bancaires. . L'article apporte une justification théorique au rôle de la relation de clientèle comme barrière stratégique à l'entrée sur les marchés bancaires. Une banque qui consent un prêt à un client acquiert un avantage comparatif en termes d'information sur ce client par rapport aux banques concurrentes. Cette asymétrie d'information confère alors à la banque un pouvoir de monopole sur ses clients : la relation de clientèle agit ainsi comme un « switching cost » pour les emprunteurs. Nous élaborons un modèle de barrières à l'entrée stratégiques où la relation de clientèle permet à une banque implantée sur un marché bancaire de prévenir l'entrée d'une banque plus efficiente. [eng] Customer relationship as a strategic barrier to entry on banking markets. . This paper aims at providing theoretical foundations to the role of customer relationship as a strategic barrier to entry on banking markets. A bank which grants a loan to a customer gains a comparative advantage in information on this customer as compared with competitors. This informational asymmetry gives to the bank a monopoly power on its customers: customer relationship acte as a "switching cost" for the borrowers. We elaborate a model of strategie barriers to entry in which customer relationship allows the incumbent bank to prevent the entry of a more efficient bank.

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Bibliographic Info

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

Volume (Year): 53 (2002)
Issue (Month): 2 ()
Pages: 201-222

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Handle: RePEc:prs:reveco:reco_0035-2764_2002_num_53_2_410400

Note: DOI:10.2307/3503095
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Web page: http://www.persee.fr/web/revues/home/prescript/revue/reco

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