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Le système bancaire britannique : spécificité et mutations

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  • Christine Lagoutte

Abstract

[eng] British banking system : specificity and evolution . The British banking system is different from the other European systems because of its international size, the concentration of many foreign banks in London, the importance of the City, the reputation and the competitivity of its banks. The historical distinction between Clearing Banks, Merchant Banks and Building Societies is more and more confuse because of their mixed activities in an extreme competitive environment. However main characteristics are emerging which show a division between large international activities in specific areas and the growing part of insurance activities, fund management and mortgage lending on the domestic and European market. The reputation and the profitability of the banking system are not affected by the special UK’s position still outside the euro zone. . JEL classifications : G21 [fre] Le système bancaire britannique se différencie des autres systèmes européens à la fois par sa forte dimension internationale et par la réputation et la performance de ses établissements bancaires. La séparation historique existante entre les principales catégories de banques : banques de détail, banques d’affaires et sociétés de prêts à la construction tend de plus en plus à être brouillée en raison de l’interpénétration des champs d’activité dans un contexte de concurrence accrue. Pourtant des lignes de force semblent se dégager qui permettent de brosser la structure actuelle d’un système partagé entre le poids accordé à l’international et la part croissante prise par la bancassurance, la gestion de portefeuille et le crédit immobilier sur le marché domestique ou tout au plus européen. La position originale du Royaume-Uni, encore en marge de l’UEM en raison de sa non adhésion à la monnaie unique, ne semble pas porter atteinte à la solidité, à la réputation et à la rentabilité de son système bancaire. . Classification JEL : G21

Suggested Citation

  • Christine Lagoutte, 2001. "Le système bancaire britannique : spécificité et mutations," Revue d'Économie Financière, Programme National Persée, vol. 61(1), pages 63-74.
  • Handle: RePEc:prs:recofi:ecofi_0987-3368_2001_num_61_1_3879
    DOI: 10.3406/ecofi.2001.3879
    Note: DOI:10.3406/ecofi.2001.3879
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    1. Stéphane Lefrancq & Isabelle Chambost & Evelyne Poincelot, 2016. "Un bastion de la résistance aux IFRS, la macro-couverture," Post-Print hal-01543126, HAL.

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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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