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La relation entre le taux des credits et le cout des ressources bancaires. Modelisation et estimation sur donnees individuelles de banques

  • Baumel, L.
  • Sevestre, P.

Nous presentons un modèle qui s'inscrit dans le schema theorique de l'economie d'endettement ou la fixation du taux des crédits obeit a une logique de facturation du cout des ressources bancaires. Ce modele suppose que la concurrence sur le marché des crédits est monopolistique et que les banques déterminent une structure de (re-financement des credits nouveaux. Les estimations, realisees a partir de donnees individuelles de banques francaises, indiquent un recours, par ordre decroisant d'importance, au marche monétaire, aux depots et au marche financier et conduisent a evaluer la repercussion de la politique monetaire sur le taux des credits a environ un et demi.

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Paper provided by Banque de France in its series Working papers with number 48.

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Length: 29 pages
Date of creation: 1998
Date of revision:
Handle: RePEc:bfr:banfra:48
Contact details of provider: Postal: Banque de France 31 Rue Croix des Petits Champs LABOLOG - 49-1404 75049 PARIS
Web page: http://www.banque-france.fr/

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