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Les facteurs de différentiation des banquiers mutualistes et commerciaux en matière de financement des PME

Author

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  • Rafik Abdesselam
  • Sylvie Cieply
  • Nicolas Le Pape

Abstract

[fre] L’objet de cet article est de rechercher les facteurs qui différencient les chargés de clientèle des banques mutualistes des chargés de clientèle des banques commerciales en matière de financement des PME. Ces facteurs de différenciation sont identifiés à partir des réponses obtenues dans le cadre d’une enquête auprès d’un échantillon représentatif selon le type de banque de la population des chargés de clientèle PME de la région Basse-Normandie. Les méthodes d’analyse des données réalisées mettent en évidence l’importance de l’ancienneté de la relation pour les banquiers mutualistes à l’opposé des banquiers SA qui prennent davantage en compte l’étude des documents comptables et l’analyse de la faisabilité économique du projet de l’entreprise. . Classification JEL : G21, D82, L31, C42 [eng] Mutual and commercial banks financing small and medium-sized enterprises . This article deals with different factors which set apart bankers working in mutual banks from bankers working in commercial banks in the specific activity of financing small - and medium-sized enterprises. This study is carried out with results from a survey on a pool of bankers which is representative in the region Basse Normandie according to the legal status of the bank where they are working in. The data analysis underlines the relevance of the relationships’ length the banker is developing with firms in mutual bank and on the opposite side the role of financial and economic studies such as financial analysis and project analysis in commercial bank. . JEL classifications : G21, D82, L31, C42

Suggested Citation

  • Rafik Abdesselam & Sylvie Cieply & Nicolas Le Pape, 2002. "Les facteurs de différentiation des banquiers mutualistes et commerciaux en matière de financement des PME," Revue d'Économie Financière, Programme National Persée, vol. 67(3), pages 121-131.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2002_num_67_3_3577
    DOI: 10.3406/ecofi.2002.3577
    Note: DOI:10.3406/ecofi.2002.3577
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    References listed on IDEAS

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    Cited by:

    1. Jean Bonnet & Sylvie Cieply & Marcus Dejardin, 2005. "Financial constraints on new firms: looking for regional disparities," Brussels Economic Review, ULB -- Universite Libre de Bruxelles, vol. 48(3), pages 217-246.
    2. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Journal of Entrepreneurial and Organizational Diversity, European Research Institute on Cooperative and Social Enterprises, vol. 3(1), pages 89-103, June.
    3. Djedidi-Kooli, Salima, 2009. "L’accès au financement des PME en France : quel rôle joué par la structure du système bancaire ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/8354 edited by Etner, François.
    4. Sylvie Cieply, 2013. "Do bankers ration more credit?," Economics Working Paper Archive (University of Rennes & University of Caen) 201310, Center for Research in Economics and Management (CREM), University of Rennes, University of Caen and CNRS.
    5. Pascal Glémain, 2018. "Finances et financement des activités d'utilité sociale locales : point de vue à partir des finances citoyennes «situées»," Post-Print hal-02150257, 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
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • L31 - Industrial Organization - - Nonprofit Organizations and Public Enterprise - - - Nonprofit Institutions; NGOs; Social Entrepreneurship
    • C42 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Survey Methods
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • L31 - Industrial Organization - - Nonprofit Organizations and Public Enterprise - - - Nonprofit Institutions; NGOs; Social Entrepreneurship
    • C42 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Survey Methods

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