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Du comportement différent des dépôts des particuliers au Québec et en Ontario

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  • Théoret, Raymond

    (Département des sciences administratives, Université du Québec à Montréal)

Abstract

The components of savings deposits have a very different behavior in Quebec and Ontario. Non-chequable daily savings deposits have grown at a vertiginous rate in Ontario since their introduction. That was not the case in Quebec. Term deposits have always been more popular in Quebec than in Ontario. Institutional factors, like the preponderant position of "caisses populaires" in Quebec and the lag of Quebec banks in matter of innovation, explain in part this situation. In this article, a model of savings deposits is advanced to explain the different behavior of savings deposits in Quebec and Ontario. Les composantes des dépôts des particuliers évoluent très différemment au Québec et en Ontario. Alors que les comptes à intérêt progressif non transférables par chèques connaissent une poussée fulgurante en Ontario depuis leur introduction, ils retiennent beaucoup moins la faveur des Québécois. Ces derniers ont toujours favorisé davantage les dépôts à terme fixe. Des variables institutionnelles, tels la présence prépondérante des caisses populaires au Québec et le retard des banques québécoises au plan des innovations, expliquent pour beaucoup cet état de fait. Le présent article propose un modèle des dépôts des particuliers de nature à jeter davantage de lumière sur le comportement différent des dépôts des particuliers au Québec et en Ontario.

Suggested Citation

  • Théoret, Raymond, 1989. "Du comportement différent des dépôts des particuliers au Québec et en Ontario," L'Actualité Economique, Société Canadienne de Science Economique, vol. 65(2), pages 231-247, juin.
    • Handle: RePEc:ris:actuec:v:65:y:1989:i:2:p:231-247
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