Composition, interprétation et mémorisation du savoir idiosyncrasique dans la banque solidaire

Amélie Artis and Simon Cornée
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Amélie Artis: Sciences Po Grenoble, PACTE CNRS, France
Simon Cornée: Université de Rennes 1, CREM CNRS, and CERMi, France

Economics Working Paper Archive (University of Rennes & University of Caen) from Center for Research in Economics and Management (CREM), University of Rennes, University of Caen and CNRS

Abstract: Idiosyncratic knowledge, defined as the internal knowledge produced by a bank on each of its borrowers, is at the heart of the financial intermediation process. Nonetheless, the way bank managers use information in the credit-granting process remains a black box in the existing econometric studies. On the basis of a statistical textual analysis conducted on prior-to-credit-committee notices of 52 credit files stemming from a social bank, our paper offers three main contributions. First, we show that the social bank under scrutiny produces a rich idiosyncratic knowledge mainly composed of soft information. Second, we reveal how the qualitative and the quantitative dimensions of the idiosyncratic knowledge are used when credit conditions are determined; hierarchy playing a key role in this process of interpretation. Third, our results indicate that the bank relies on an information system as well as on its agents’ cognitive abilities to memorise the idiosyncratic knowledge it produces. In this respect, our research points out deficiencies in the bank’s organisational memory and suggests some directions to remedy them.

Keywords: Social banking; Idiosyncratic Knowledge; Hierarchy; Organisational Memory; Decision (search for similar items in EconPapers)
JEL-codes: D8 G21 L23 (search for similar items in EconPapers)
Date: 2016-10
New Economics Papers: this item is included in nep-hme
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Citations: View citations in EconPapers (1)

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