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Concurrence et efficience dans la banque

Listed author(s):
  • Laurent Weill

[eng] This paper aims at studying the relationship between competition and efficiency in banking. Its framework is a model of spatial competition with horizontal differentiation on costs which banks incur when they monitor borrowers. We then show that the increase of the number of banks impacts negatively on banking efficiency. We empirically check this relationship by running a regression between some concentration indices and the average cost efficiency of banks, estimated by the distribution-free approach, for several OECD member countries : we find a significant positive correlation between concentration and average efficiency. [fre] Ce papier étudie la relation entre la concurrence dans le secteur bancaire et l'efficience des banques. Le cadre d'analyse est un modèle de concurrence spatiale avec différenciation horizontale sur les coûts de contrôle des emprunteurs par les banques. Nous montrons que l'augmentation du nombre de banques a un impact négatif sur l'efficience des banques. Nous vérifions empiriquement cette relation en effectuant une régression entre divers indices de concentration et l'efficience de coût moyenne des banques, estimée par l'approche à distribution libre, pour plusieurs pays membres de l'OCDE : l'étude montre une corrélation positive significative entre la concentration et l'efficience moyenne.

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Article provided by Programme National Persée in its journal Revue française d'économie.

Volume (Year): 13 (1998)
Issue (Month): 2 ()
Pages: 101-127

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Handle: RePEc:prs:rfreco:rfeco_0769-0479_1998_num_13_2_1051
Note: DOI:10.3406/rfeco.1998.1051
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