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Decentralization of Decisions and Governance of Risk in Cooperative Contexts

In: Contemporary Trends in European Cooperative Banking

Author

Listed:
  • Nathalie Bénet

    (Université Toulouse Capitole, TSM-Research CNRS)

  • Aude Deville

    (Université Côte d’Azur, IAE Nice, GRM)

  • Séverine Ventolini

    (Université de Tours, IAE, VALLOREM)

Abstract

As for any financial institution, the governance of risks in cooperative banks is a central matter of strategic and management concern. The purpose of this chapter is to explore how cooperative banks tackle the challenge of the governance of risks. More particularly, we investigate how the decentralization of decisions in cooperative banks, combined with a strong anchor and communication on cooperative values, help mitigate risks. We focus particularly on credit risk, which is one of the most important risks for this type of banks. To discuss how the decentralization of decisions supports governance of risks, we present the case of a French cooperative banking group. Findings show the importance of the notion of “shared risk-taking” in credit decisions and of the multidimensional features of soft information use.

Suggested Citation

  • Nathalie Bénet & Aude Deville & Séverine Ventolini, 2022. "Decentralization of Decisions and Governance of Risk in Cooperative Contexts," Springer Books, in: Marco Migliorelli & Eric Lamarque (ed.), Contemporary Trends in European Cooperative Banking, chapter 0, pages 97-117, Springer.
    • Handle: RePEc:spr:sprchp:978-3-030-98194-5_5
    DOI: 10.1007/978-3-030-98194-5_5
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