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La banque à forme coopérative peut elle soutenir durablement la compétition avec la banque SA

Author

Listed:
  • Mireille Jaeger
  • Jean-Noël Ory

    () (CEREFIGE)

  • Emmanuelle Gurtner

Abstract

Les banques à statut de coopérative peuvent-elles soutenir durablement la compétition face aux banques à statut de société anonyme, et sont -elles capables de se développer? La question a notamment été analysée dans la littérature anglo-saxonne, fondée sur l’observation de l’industrie bancaire américaine. Alors que ces analyses concluent majoritairement à l’inefficacité de la forme coopérative et en conséquence à sa disparition inéluctable, la situation française semble faire figure d’exception. L’objectif du présent article est d'expliquer dans un premier temps pourquoi la coopérative a pu être considérée dans ce courant de littérature comme une forme d’organisation inefficace et inadaptée à l’environnement bancaire actuel (1). Dans un deuxième temps, nous tenterons d’évaluer dans le cas français la portée et les limites théoriques de ces analyses, et de mesurer l’efficacité des banques coopératives françaises (2). Enfin, nous nous interrogerons sur la pérennité de leur stratégie de développement récente : l’apparition de « groupes bancaires coopératifs » et la complexification des organigrammes augurent-t-ils de nouveaux problèmes de gouvernance et de nouveaux conflits d’agence (3)?

Suggested Citation

  • Mireille Jaeger & Jean-Noël Ory & Emmanuelle Gurtner, 2006. "La banque à forme coopérative peut elle soutenir durablement la compétition avec la banque SA," Cahiers du CEREFIGE 0605, CEREFIGE (Centre Europeen de Recherche en Economie Financiere et Gestion des Entreprises), Universite de Lorraine, revised 2006.
  • Handle: RePEc:fie:wpaper:0605
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    References listed on IDEAS

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    Cited by:

    1. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Journal of Entrepreneurial and Organizational Diversity, European Research Institute on Cooperative and Social Enterprises, vol. 3(1), pages 89-103, June.
    2. Simon Cornée & Ariane Szafarz, 2014. "Vive la Différence: Social Banks and Reciprocity in the Credit Market," Journal of Business Ethics, Springer, vol. 125(3), pages 361-380, December.

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