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Entre opposition fondamentale et convergence contrainte, quel avenir pour la banque coopérative face à la banque SA ?

Author

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  • Jean-Baptiste Cartier

    (Laboratoire de Recherche Magellan - UJML - Université Jean Moulin - Lyon 3 - Université de Lyon - Institut d'Administration des Entreprises (IAE) - Lyon)

Abstract

The cooperative spirit is characterized by a number of principles based on the commitment of the individuals, volunteering, the role of employees, the decision system, the distribution of value creation ... But, in order to develop the cooperative networks have often borrowed the legal structure of existing commercial forms. Cooperative groups (in their ongoing quest for efficiency?) were massively transformed in recent years, into large multi-faceted sets consisting of many subsidiaries, investments, alliances and networks... According to their needs, they have conceptualized and developed new strategic and organizational forms that fit into the organization and remodel design. These organizations are implementing all the possible legal forms and contractual characteristics, which affect the mind and the relationships between actors and their actions on value creation. Is the cooperative spirit changed? Its message and its specificities are they blurred by new forms of organization? El espíritu mutualista se caracteriza por un cierto número de principios básicos basados en el compromiso de los individuos, el voluntariado, el rol de los trabajadores, el sistema de decisión, la distribución de la creación de valor... sin embargo, para desarrollarse, las redes mutualistas han tenido, a menudo, que prestarse la estructura jurídica de formas comerciales ya existentes. Los grupos mutualistas (¿En su constante búsqueda de la eficiencia?), se han transformado masivamente, estos últimos años, en vastos conjuntos de múltiples facetas constituidas por numerosas filiales, participaciones, alianzas y redes...En función a sus necesidades, ellos han imaginado y desarrollado, de esta forma, nuevas fórmulas estratégicas organizacionales que se integran en la organización y remodelan su diseño. Estas organizaciones implementan el conjunto de formas jurídicas posibles y sus características contractuales, que condicionan justamente, el espíritu de las relaciones entre los actores, así como de sus acciones sobre la creación de valor. ¿Esto cambia el espíritu mutualista? ¿Su mensaje y sus particularidades se vuelven confusos debido a estas nuevas formas de organización?

Suggested Citation

  • Jean-Baptiste Cartier, 2012. "Entre opposition fondamentale et convergence contrainte, quel avenir pour la banque coopérative face à la banque SA ?," Post-Print halshs-00743735, HAL.
    • Handle: RePEc:hal:journl:halshs-00743735
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-00743735
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    References listed on IDEAS

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    1. Agnès Labye & Christine Lagoutte & Françoise Renversez, 2002. "Banques mutualistes et systèmes financiers : une analyse comparative Allemagne, Grande-Bretagne, France," Revue d'Économie Financière, Programme National Persée, vol. 67(3), pages 85-109.
    2. Nadine Richez-Battesti, 2008. "Entre banalisation et reconquête de l'identité coopérative : le cas des banques coopératives en France," Post-Print halshs-00437030, HAL.
    3. Jean-Noël Ory & Mireille Jaeger & Emmanuelle Gurtner, 2006. "La banque à forme coopérative peut-elle soutenir durablement la compétition avec la banque SA ?," Post-Print hal-00561401, HAL.
    4. Jean-Noël Ory & Mireille Jaeger & Emmanuelle Gurtner, 2006. "La banque à forme coopérative peut-elle soutenir durablement la compétition avec la banque SA?," Revue Finance Contrôle Stratégie, revues.org, vol. 9(2), pages 121-157, June.
    5. J. David Cummins & Mary A. Weiss & Hongmin Zi, 1999. "Organizational Form and Efficiency: The Coexistence of Stock and Mutual Property-Liability Insurers," Management Science, INFORMS, vol. 45(9), pages 1254-1269, September.
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    Cited by:

    1. Katia Lobre & Jean-Baptiste Cartier, 2012. "Mutualisme bancaire, Hétérosis organisationnelle et difficultés de gouvernance," Post-Print halshs-00696908, HAL.

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