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Les relations bancaires de long terme. Une revue de la littérature

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  • Nicolas Eber

Abstract

In this paper, we survey the recent literature on long-term relationships between banks and firms. We present successively the gains but also the costs of relationship lending. A lot of articles emphasize the gains : savings in information costs, better access to funds for firms, better risk-sharing, etc. Some articles have however pointed out problems with relationship lending. Indeed, it implies distortions in the competition between banks and can lead banks to slacken borrowers’ monitoring. In both cases, it may result in inefficiencies in the allocation of credit. The implications in terms of regulation are also discussed with a specific focus on the French case. Classification JEL : G21, L14

Suggested Citation

  • Nicolas Eber, 2001. "Les relations bancaires de long terme. Une revue de la littérature," Revue d'économie politique, Dalloz, vol. 111(2), pages 195-246.
  • Handle: RePEc:cai:repdal:redp_112_0195
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    Citations

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    Cited by:

    1. Djedidi-Kooli, Salima, 2009. "L’accès au financement des PME en France : quel rôle joué par la structure du système bancaire ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/8354 edited by Etner, François, October.
    2. Hajer El Ouardani, 2009. "Banking and SME Financing, a Difficult Relationship: Lessons from a Survey into Tunisian Banks," Book Chapters, Institute of Economic Sciences.
    3. Florian LEON, 2015. "What do we know about the role of bank competition in Africa?," Working Papers 201516, CERDI.
    4. Hakimi, Abdelaziz & Hamdi, Helmi, 2013. "The duration of bank relationships and the performance of Tunisian firms," MPRA Paper 55754, University Library of Munich, Germany, revised 2014.
    5. Tlili, Rim, 2012. "Comment justifier la multibancarité au sein des PME ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/10919 edited by Etner, François, October.
    6. Gammadigbé, Vigninou, 2013. "Nouvelles exigences en capital des banques de l'UEMOA, concentration bancaire et coût du crédit au Togo
      [New capital requirements of WEAMU banks, banking concentration and cost of crédit in Togo]
      ," MPRA Paper 44633, University Library of Munich, Germany.

    More about this item

    Keywords

    banking; credit; long-term relationships;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation

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