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Credit Rationing, Customer Relationship and the Number of Banks: an Empirical Analysis

Author

Listed:
  • Eric de Bodt

    (ESA - Ecole Supérieure des Affaires de l'Université Lille 2 - Université de Lille, Droit et Santé, IAG-FIN - IAG-FIN - UCL - Université Catholique de Louvain = Catholic University of Louvain)

  • Frédéric Lobez

    (LSMRC - Lille School of Management Research Center - ULR 4112 - SKEMA Business School - Université de Lille)

  • Jean‐christophe Statnik

Abstract

The recent important transformations of the banking sector, especially through numerous mergers and acquisitions, both in Europe and in the USA, have raised serious concerns for the financing of small businesses (SBS). Indeed, SBS are known to be heavily dependent of this financing channel but to be rather opaque. It has long been thought that banks classically solved this problem by developing long term customer relationships. But will the new large banks, born from the current restructuring process, be able to continue to play this role? If not, what strategy should SBS develop to compose their bank pool in order to avoid, as much as possible, credit rationing? These questions are at the heart of our analysis. We show that there is no unique rule: all depends on the degree of SBS opacity and the kind of bank the SBS are working with .

Suggested Citation

  • Eric de Bodt & Frédéric Lobez & Jean‐christophe Statnik, 2005. "Credit Rationing, Customer Relationship and the Number of Banks: an Empirical Analysis," Post-Print hal-04410331, HAL.
    • Handle: RePEc:hal:journl:hal-04410331
    DOI: 10.1111/j.1354-7798.2005.00282.x
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