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Are local banks special ?
[Services bancaires de proximité : les banques locales sont-elles spéciales ?]

Author

Listed:
  • Célestin Mayoukou

    (CREAM - Centre de Recherche en Economie Appliquée à la Mondialisation - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université)

  • Pierre-Bruno Ruffini

    (CERENE - Centre d'Etude et de Recherche en économiE et gestioN LogistiquE - ULH - Université Le Havre Normandie - NU - Normandie Université)

Abstract

Local banks have a small size and offer a limited scope of services. Being located near their customers (individuals, small and medium size firms) is their main, or even single competitive edge. Location factors are usually viewed as the core explanation of local banks' market power and differentiation advantages. This paper puts forward another explanation for differentiation : the bank's reputation (defined as the capability to offer high quality services and to raise confidence, thus allowing for long lasting customer relationships). The paper examines successively proximity and reputation, and then articulates these two concepts, in order to identify the specificity of local banking.

Suggested Citation

  • Célestin Mayoukou & Pierre-Bruno Ruffini, 1998. "Are local banks special ? [Services bancaires de proximité : les banques locales sont-elles spéciales ?]," Post-Print hal-02353549, HAL.
    • Handle: RePEc:hal:journl:hal-02353549
    DOI: 10.3406/ecofi.1998.2675
    Note: View the original document on HAL open archive server: https://normandie-univ.hal.science/hal-02353549
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    References listed on IDEAS

    as
    1. Jean-Michel Servet, 1996. "Risque, incertitude et financement de proximité en Afrique. Une approche socio-économique," Revue Tiers Monde, Programme National Persée, vol. 37(145), pages 41-57.
    2. Nicolas Eber & Claude Jessua, 1996. "Relations de crédit de long terme et structure des marchés bancaires locaux," Revue Économique, Programme National Persée, vol. 47(3), pages 755-764.
    3. Steven C. Salop, 1979. "Monopolistic Competition with Outside Goods," Bell Journal of Economics, The RAND Corporation, vol. 10(1), pages 141-156, Spring.
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