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Relations Bancaires et Crédits aux PME

Author

Listed:
  • Ludovic Vigneron

    (GERME - Groupe d'études et de recherches en management des entreprises (EA n° 4112) - ESA - Ecole Supérieure des Affaires de l'Université Lille 2 - Université de Lille, Droit et Santé, IDP - Institut du Développement et de la Prospective - EA 1384 - UVHC - Université de Valenciennes et du Hainaut-Cambrésis - IAE - Institut d'Administration des Entreprises - UPHF - Université Polytechnique Hauts-de-France)

Abstract

We evaluate the impact of SME’s banking relationships configuration on the share of bank credit in their total debt. Crossing information from the DIANE and Kompass Europe databases, we select a sample of SMEs for which we can identify the different banks that they working with. We then test the effects of the number of banks an SME works with as well as that of its main bank’s organizational structure on the bank debt over total debt ratio. We find evidence that the more important this number is, the more important the ratio. We also report that SMEs working with a decentralized main bank present on average a higher ratio. Finally, studying the interaction term of the number of banks and the main bank’s organizational structure, we show that the ratio’s increase with the firm’s number of banks is less important for those engaged with a decentralized main bank than for those engaged with a centralized one.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Ludovic Vigneron, 2014. "Relations Bancaires et Crédits aux PME," Post-Print hal-02926814, HAL.
    • Handle: RePEc:hal:journl:hal-02926814
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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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