IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Login to save this paper or follow this series

Structure bancaire locale et évolution du crédit à l'échelle des départements français : l'expérience de la crise financière de 2007-2008

  • Céline Meslier

    ()

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

  • Philippe Rous

    ()

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

  • Alain Sauviat

    ()

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

  • Pascale Torre

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

Cette étude constitue la première analyse de l'impact des caractéristiques structurelles bancaires sur l'évolution des encours de crédit appréciés au niveau départemental dans le cas français. Elle repose sur l'exploitation de données originales issues des Centralisations Financières Territoriales collectées mensuellement par la Banque de France et utilise la crise financière internationale de 2007-2008 comme une expérience naturelle d'un choc global frappant l'ensemble des banques exerçant sur le territoire français. Les réactions des systèmes bancaires locaux à cette crise financière sont identifiées pour chaque département par la date et l'intensité de la rupture constatée dans l'évolution des encours de crédit. Ces réactions sont ensuite expliquées par les caractéristiques structurelles des marchés bancaires locaux en mettant un accent particulier sur l'identification d'un rôle spécifique des banques régionales par rapport aux banques nationales, en termes de proximité géographique et relationnelle. Les résultats montrent qu'une part de marché des banques régionales plus forte dans un département peut effectivement favoriser la résistance à la crise mais les résultats sont très dépendants de l'inclusion ou non de l'Ile-de-France dans l'échantillon retenu. C'est, en fait, la construction originale d'une variable de dispersion spatiale moyenne des banques régionales présentes dans un département donné qui apporte les enseignements les plus stables. Plus le périmètre géographique moyen des banques régionales est faible, plus la rupture dans la distribution des crédits, à l'ensemble des agents ou aux seules entreprises, est atténuée, ce qui révèle un impact favorable de la proximité et du relationship-lending en cas de crise.

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL: http://hal-unilim.archives-ouvertes.fr/docs/00/92/94/24/PDF/Structure_bancaire_locale_et_A_volution_du_crA_dit_France.pdf
Download Restriction: no

Paper provided by HAL in its series Working Papers with number hal-00929424.

as
in new window

Length:
Date of creation: 2013
Date of revision:
Handle: RePEc:hal:wpaper:hal-00929424
Note: View the original document on HAL open archive server: http://hal-unilim.archives-ouvertes.fr/hal-00929424
Contact details of provider: Web page: http://hal.archives-ouvertes.fr/

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

as in new window
  1. Philip E. Strahan, 2003. "The real effects of U.S. banking deregulation," Review, Federal Reserve Bank of St. Louis, issue Jul, pages 111-128.
  2. Jushan Bai & Pierre Perron, 2003. "Computation and analysis of multiple structural change models," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 18(1), pages 1-22.
  3. Enrica Detragiache & Thierry Tressel & Poonam Gupta, 2008. "Foreign Banks in Poor Countries: Theory and Evidence," Journal of Finance, American Finance Association, vol. 63(5), pages 2123-2160, October.
  4. Robert DeYoung & W. Frame & Dennis Glennon & Peter Nigro, 2011. "The Information Revolution and Small Business Lending: The Missing Evidence," Journal of Financial Services Research, Springer, vol. 39(1), pages 19-33, April.
  5. Petersen, Mitchell A & Rajan, Raghuram G, 1995. "The Effect of Credit Market Competition on Lending Relationships," The Quarterly Journal of Economics, MIT Press, vol. 110(2), pages 407-43, May.
  6. Andrea F. Presbitero & Gregory F. Udell & Alberto Zazzaro, 2014. "The Home Bias and the Credit Crunch: A Regional Perspective," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 46(s1), pages 53-85, 02.
  7. Boot, Arnoud W A & Thakor, Anjan, 1997. "Can Relationship Banking Survive Competition?," CEPR Discussion Papers 1592, C.E.P.R. Discussion Papers.
  8. Dietsch, Michel, 2003. "Financing small businesses in France," EIB Papers 9/2003, European Investment Bank, Economics Department.
  9. Jushan Bai & Pierre Perron, 1998. "Estimating and Testing Linear Models with Multiple Structural Changes," Econometrica, Econometric Society, vol. 66(1), pages 47-78, January.
  10. Andrea F. Presbitero & Alberto Zazzaro, 2010. "Competition and Relationship Lending: Friends or Foes?," CESifo Working Paper Series 3103, CESifo Group Munich.
  11. Berger, Allen N. & Rosen, Richard J. & Udell, Gregory F., 2005. "Does Market Size Structure Affect Competition? The Case of Small Business Lending," CEI Working Paper Series 2005-8, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
  12. Joe Peek & Eric S. Rosengren, 2000. "Implications of the globalization of the banking sector: the Latin American experience," New England Economic Review, Federal Reserve Bank of Boston, issue Sep, pages 45-62.
  13. Rajan, Raghuram G, 1992. " Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt," Journal of Finance, American Finance Association, vol. 47(4), pages 1367-400, September.
  14. Berger, Allen N. & Udell, Gregory F., 2006. "A more complete conceptual framework for SME finance," Journal of Banking & Finance, Elsevier, vol. 30(11), pages 2945-2966, November.
  15. Berger, Allen N & Udell, Gregory F, 1995. "Relationship Lending and Lines of Credit in Small Firm Finance," The Journal of Business, University of Chicago Press, vol. 68(3), pages 351-81, July.
Full references (including those not matched with items on IDEAS)

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:hal:wpaper:hal-00929424. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (CCSD)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.