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« Multiple banking relationships: do SMEs mistrust their banks? »

Author

Listed:
  • Catherine Refait-Alexandre

    (CRESE - Centre de REcherches sur les Stratégies Economiques (UR 3190) - UFC - Université de Franche-Comté - UBFC - Université Bourgogne Franche-Comté [COMUE])

  • Stéphanie Serve

    (THEMA - Théorie économique, modélisation et applications - UCP - Université de Cergy Pontoise - Université Paris-Seine - CNRS - Centre National de la Recherche Scientifique, CSO - Centre de sociologie des organisations (Sciences Po, CNRS) - Sciences Po - Sciences Po - CNRS - Centre National de la Recherche Scientifique)

Abstract

This paper focuses on the determinants of the use of multiple banking relationships by SMEs. We exploit the results of an original survey conducted on a sample of French SMEs in December 2012. We first provide evidence that access to multiple banking relationships is influenced by firms' characteristics. We find that older, bigger, high-performing and innovative firms are more likely to develop multiple banking relationships. More originally, we also highlight the explanatory power of the quality of banking relationship mainly assessed by the trust on the part of the CEO: when the manager mistrusts its main bank, the firm will be more likely to engage in multiple banking relationships.

Suggested Citation

  • Catherine Refait-Alexandre & Stéphanie Serve, 2015. "« Multiple banking relationships: do SMEs mistrust their banks? »," Post-Print hal-01450968, HAL.
    • Handle: RePEc:hal:journl:hal-01450968
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    Cited by:

    1. is not listed on IDEAS
    2. Modina, Michele & Pietrovito, Filomena & Gallucci, Carmen & Formisano, Vincenzo, 2023. "Predicting SMEs’ default risk: Evidence from bank-firm relationship data," The Quarterly Review of Economics and Finance, Elsevier, vol. 89(C), pages 254-268.
    3. Abdelaziz Hakimi, 2018. "Threshold Effect of the Number of Bank Relationships on the Tunisian Firm Performance," Business and Economics Research Journal, Bursa Uludag University, Faculty of Economics and Administrative Sciences, vol. 9(2), pages 317-330.
    4. D’Apolito, Elisabetta & Galletta, Simona & Iannuzzi, Antonia Patrizia & Labini, Stefania Sylos, 2024. "Sustainability and bank credit access: New evidence from Italian SMEs," Research in International Business and Finance, Elsevier, vol. 69(C).

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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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