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Theoretische Analyse der Gewinnsituation im deutschen Bankensektor : Kreditvergabestrategie sichert Sparkassen und Genossenschaftsbanken Vorteile

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Author Info
Timo Baas
Mechthild Schrooten

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Abstract

Die Rendite von Sparkassen und Genossenschaftsbanken liegt in Deutschland über der von privaten Geschäftsbanken. Das vorliegende Papier bietet einen theoretischen Erklärungsansatz, der diese Renditeunterschiede auf Differenzen in der Kreditvergabestrategie zurückführt. Dieses Modell zeigt, dass Finanzintermediäre, die ihre Informationen über Kunden durch langfristige Kreditbeziehungen generieren, einen Vorteil gegenüber solchen Banken haben, die bei ihrer Kreditvergabe auf handelbare Informationen setzen. Bezogen auf die Situation im deutschen Bankensektor bedeutet dies, dass Sparkassen, aber auch Genossenschaftsbanken durch ihre beziehungsbasierte Kreditvergabestrategie einen Vorteil gegenüber solchen Banken haben, die in erster Linie auf der Grundlage handelbarer Informationen operieren.

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Publisher Info
Paper provided by DIW Berlin, German Institute for Economic Research in its series Discussion Papers of DIW Berlin with number 502.

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Length: 19 p.
Date of creation: 2005
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Handle: RePEc:diw:diwwpp:dp502

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Related research
Keywords: Market imperfections Relationship lending Public banks

Find related papers by JEL classification:
D43 - Microeconomics - - Market Structure and Pricing - - - Oligopoly and Other Forms of Market Imperfection
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies

References listed on IDEAS
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  1. Kon, Y & Storey, D J, 2003. " A Theory of Discouraged Borrowers," Small Business Economics, Springer, vol. 21(1), pages 37-49, August. [Downloadable!] (restricted)
  2. Mitchell A. Petersen & Raghuram G. Rajan, 1994. "The Effect of Credit Market Competition on Lending Relationships," NBER Working Papers 4921, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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