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Distance Et Accès Au Crédit Bancaire Des Pme Sous Bâle Iii

Author

Listed:
  • Thomas Humblot

    (Larefi, Université de Bordeaux)

Abstract

L’éloignement géographique entre banques et PME est susceptible de contribuer à une mauvaise évaluation des risques. Cette caractéristique pourrait renforcer les effets de la réglementation prudentielle bancaire. Ainsi, l’impact de Bâle III sur le financement bancaire des PME françaises semble accentué par la distance. Les estimations du modèle 3SLS tendent à démontrer que la distance pourrait affecter le NSFR et le ratio de levier réglementaire. Le ratio de solvabilité ne semble pas impacté. Au final, l’introduction de Bâle III pourrait pousser les banques à réarranger leurs portefeuilles en fonction d’arbitrages entre le risque, la rentabilité et les exigences réglementaires.

Suggested Citation

  • Thomas Humblot, 2016. "Distance Et Accès Au Crédit Bancaire Des Pme Sous Bâle Iii," Larefi Working Papers 1603, Larefi, Université Bordeaux 4.
    • Handle: RePEc:laf:wpaper:cr1603
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    File URL: http://lare-efi.u-bordeaux4.fr/IMG/pdf/CR16-EFI_03.pdf
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    More about this item

    Keywords

    Bâle III; réglementation prudentielle; petites et moyennes entreprises; crédit bancaire; 3SLS. JEL Classifications: C33; E51; G28;
    All these keywords.

    JEL classification:

    • C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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