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L’immobanque

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  • Nicolas Mérindol

Abstract

[fre] À l’heure où le marché de l’immobilier se tend, la prise de position des banques dans ce domaine interpelle. Les professionnels de ces deux secteurs sont convaincus qu’il s’agit d’une tendance de fond, de l’émergence d’un nouveau concept que nous appellerons « l’immobanque ». Le lancement dans les années 90 du concept de bancassurance avait suscité, à l’époque, les mêmes interrogations auprès des observateurs. La bancassurance est aujourd’hui partie intégrante du paysage économique français et les banques françaises ont pris rapidement des parts de marché conséquentes. C’est un mouvement similaire qui s’est amorcé depuis une décennie dans le domaine des services immobiliers et s’est très largement accéléré ces trois dernières années. Comme pour le développement de la bancassurance il y a 20 ans, il s’agit pour les banques de prendre en compte - aujourd’hui dans le domaine de l’immobilier - les évolutions des aspirations et des habitudes de consommation de leurs clients. . Classification JEL : G21, L85 [eng] Real estate banking . At a time in which the real estate market is contracting, the position of banks in this domain is in doubt. But the professionals of both the real estate and banking industries remain convinced that the emergence of this new concept, which we shall call « real estate banking », is a fundamental trend. The introduction of the bancassurance concept during the 1990s raised similar questions at that time in the minds of observers. Today, bancassurance is an integral part of the French economic landscape and French banks quickly acquired interests in the market that it spawned. For the last decade, real estate banking has constituted a similar trend in the area of real estate services and has gained significant momentum over the last three years. As in the development of bancassurance twenty years ago, banks must come to recognize - in today’s real estate industry - the changes in their customers’ ambitions and consumption habits. . JEL classification : G21, L85

Suggested Citation

  • Nicolas Mérindol, 2008. "L’immobanque," Revue d'Économie Financière, Programme National Persée, vol. 92(2), pages 77-84.
  • Handle: RePEc:prs:recofi:ecofi_0987-3368_2008_num_92_2_5079
    DOI: 10.3406/ecofi.2008.5079
    Note: DOI:10.3406/ecofi.2008.5079
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L85 - Industrial Organization - - Industry Studies: Services - - - Real Estate Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L85 - Industrial Organization - - Industry Studies: Services - - - Real Estate Services

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