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L'impact de la concurrence bancaire sur l'efficience des banques : le cas des Pays d'Europe Centrale et Orientale

  • Ion Lapteacru

    (Larefi - Laboratoire d'analyse et de recherche en économie et finance internationales - Université Montesquieu - Bordeaux IV : EA2954)

  • Emmanuelle Nys

    ()

    (LAPE - Laboratoire d'Analyse et de Prospective Economique - Université de Limoges : EA1088 - Institut Sciences de l'Homme et de la Société)

Dans ce papier nous analysons l'influence de la concurrence bancaire sur l'efficience des banques dans les PECO. L'intuition de notre démarche consiste dans le fait que pour éviter ou diminuer les effets négatifs engendrés par l'asymétrie de l'information, présente sur le marché bancaire, les banques doivent fournir plus d'efforts, qui sont coûteux, pour améliorer la qualité du portefeuille de crédits, par exemple. Or, les dépenses supplémentaires ne sont possibles qu'en l'absence de la contrainte concurrentielle. A l'aide de l'approche de Panzar et Rosse, nous avons donc d'abord déterminer le niveau de concurrence sur le marché bancaire de ces pays. Ensuite, en utilisant les deux méthodes, paramétrique et non paramétrique, nous avons estimé le niveau d'efficience des banques. Dans la dernière étape, nous avons régressé le niveau d'efficience sur le niveau de concurrence. Les résultats montrent que ces deux indicateurs sont positivement corrélés pour les scores d'efficience de coût et de profit, et négativement corrélés pour le score d'efficience de revenu d'intérêt.

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Paper provided by HAL in its series Post-Print with number hal-00785466.

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Date of creation: 2011
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Publication status: Published, Revue Economique, 2011, 2, 62, 313-329
Handle: RePEc:hal:journl:hal-00785466
Note: View the original document on HAL open archive server: http://hal-unilim.archives-ouvertes.fr/hal-00785466
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