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Les relations bancaires de long terme: une revue de la littérature

Author

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  • Nicolas Eber

    (LARGE - Laboratoire de Recherche en Gestion et Economie - UNISTRA - Université de Strasbourg)

Abstract

In this paper, we survey the recent literature on long-term relationships between banks and firms. We present successively the gains but also the costs of relationship lending. A lot of articles emphasize the gains : savings in information costs, better access to funds for firms, better risk-sharing, etc. Some articles have however pointed out problems with relationship lending. Indeed, it implies distortions in the competition between banks and can lead banks to slacken borrowers? monitoring. In both cases, it may result in inefficiencies in the allocation of credit. The implications in terms of regulation are also discussed with a specific focus on the French case. Classification JEL : G21, L14
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Suggested Citation

  • Nicolas Eber, 2001. "Les relations bancaires de long terme: une revue de la littérature," Post-Print hal-03701316, HAL.
    • Handle: RePEc:hal:journl:hal-03701316
    DOI: 10.3917/redp.112.0195
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    Cited by:

    1. Hajer El Ouardani, 2009. "Banking and SME Financing, a Difficult Relationship: Lessons from a Survey into Tunisian Banks," Book Chapters, in: Claude Berthomieu & Jean-Paul Guichard & Dejan Eric & Srdjan Redzepagic (ed.), Financial Systems Integration of Balkan Countries in the European Financial System: Impact of Global Crisis, edition 1, volume 1, chapter 12, pages 102-110, Institute of Economic Sciences.
    2. Gregory Heem, 2003. "Convention et contrôle interne bancaire," Post-Print hal-00423754, HAL.
    3. Hakimi, Abdelaziz, 2018. "Threshold Effect of the Number of Bank Relationships on the Tunisian Firm Performance," Business and Economics Research Journal, Uludag University, Faculty of Economics and Administrative Sciences, vol. 9(2), pages 317-330, April.
    4. Florian LEON, 2015. "What do we know about the role of bank competition in Africa?," Working Papers 201516, CERDI.
    5. Hakimi, Abdelaziz & Hamdi, Helmi, 2013. "The duration of bank relationships and the performance of Tunisian firms," MPRA Paper 55754, University Library of Munich, Germany, revised 2014.
    6. 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.
    7. SECK, Massamba Souleymane, 2019. "Complémentarité Banque islamique du Sénégal/institutions de microfinance : un modèle de financement inclusif et durable des PME sénégalaises [Complementarity Islamic Bank of Senegal/microfinance in," MPRA Paper 92190, University Library of Munich, Germany.
    8. Tlili, Rim, 2012. "Comment justifier la multibancarité au sein des PME ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/10919 edited by Etner, François.
    9. Gammadigbé, Vigninou, 2013. "Nouvelles exigences en capital des banques de l'UEMOA, concentration bancaire et coût du crédit au Togo [New capital requirements of WEAMU banks, banking concentration and cost of crédit in Togo]," MPRA Paper 44633, University Library of Munich, Germany.

    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation

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