L’analyse de la banque selon le paradigme de la finance et l’examen du modèle de banque universelle en France
[fre] Le mouvement de fusions-acquisitions dans la sphère bancaire a donné lieu à l’émergence de nouvelles entités à cheval sur plusieurs pays, et sur plusieurs secteurs d’activité. Dans cet article, on se réfère à la théorie financière du portefeuille afin d’évaluer la possibilité d’un amoindrissement du risque pouvant être obtenu par une diversification des activités en France. Cette démarche nous permet d’y examiner l’opportunité du modèle de banque universelle que l’on trouve, sous des formes diverses, en Allemagne, au Royaume-Uni, ou encore aux États-Unis. Classification JEL : G21 [eng] The analysis of the bank according to the paradigm of finance and the examination of the model of universal bank in France The movement of mergers and takeovers in the banking sphere gave place to the emergence of new entities straddling several countries and at the crossroads of several sectors. In this paper, we refer to the portfolio theory, to estimate the possibility of reduction of the risk which can be obtained by a diversification of the activities in France. This step allows us to examine the opportunity of the model of universal bank there, which we find in various forms, in Germany, in the United Kingdom, or still in the United States. Classification JEL : G21
Volume (Year): 91 (2008)
Issue (Month): 1 ()
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