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Credit spread determinants. How loan officer seniority matters

Author

Listed:
  • Marion Dupire

    (IÉSEG School Of Management [Puteaux], LUMEN - Lille University Management Lab - ULR 4999 - Université de Lille)

  • Frédéric Lobez

    (LSMRC - Lille School of Management Research Center - ULR 4112 - SKEMA Business School - Université de Lille, LUMEN - Lille University Management Lab - ULR 4999 - Université de Lille)

  • Jean-Christophe Statnik

    (LUMEN - Lille University Management Lab - ULR 4999 - Université de Lille)

Abstract

Cet article étudie le degré auquel l'ancienneté des chargés d'affaires au sein d'une banque interagit avec la relation clientèle et le climat des affaires pour influencer les taux d'intérêt facturés. À partir de données collectées manuellement, concernant des dossiers de crédits établis par des Petites et Moyennes Entreprises auprès d'une banque coopérative française entre 1998 et 2009, cette étude suggère que 1) les chargés d'affaires séniors facturent des taux d'intérêts plus élevés lorsque la relation clientèle est forte ; 2a) en période de climat économique défavorable, les chargés d'affaires séniors ont tendance à augmenter plus facilement les taux de crédit que les chargés d'affaires juniors, étant donné qu'ils bénéficient d'une meilleure perception du pouvoir de marché ; par contraste, 2b) ils ont tendance à modérer leur stratégie de tarification lorsque le climat des affaires devient plus favorable. Globalement, notre étude souligne le rôle crucial de l'ancienneté des chargés d'affaires dans la tarification des taux de crédit.

Suggested Citation

  • Marion Dupire & Frédéric Lobez & Jean-Christophe Statnik, 2021. "Credit spread determinants. How loan officer seniority matters," Post-Print hal-04410257, HAL.
    • Handle: RePEc:hal:journl:hal-04410257
    DOI: 10.3917/fina.423.0139
    as

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