Trente ans d'automatisation et coûts opératoires dans les banques françaises

Paul Adler

Revue Économique, 1983, vol. 34, issue 5, 987-1020

Abstract: [fre] Plusieurs indices de coût unitaire et de productivité sont construits pour l'ensemble des banques inscrites sur la période 1950-1979. Des ajustements pour l'évolution de la composition du produit bancaire sont estimés. Le progrès technique, dans ses formes mécanographique et informatique, est analysé à la lumière de ces résultats. On conclut que l'apport de la mécanographie hit considérable jusqu'au milieu des années 1960. L'essoufflement de ce système technique, deva'nt l'accrois­sement des volumes à traiter, donna à l'informatisation l'allure d'une course — que les banques semblent avoir gagné avec une multiplication rentable de l'échelle de leur activité. La prospective de l'informatisation et de l'emploi bancaire est esquissée. [eng] Thirty years of automation and operating costs . In French banks. Paul Adler. Several unit cost and productivity indexes are comtructed for French registered banks over the period 1950-1979. Adjustments for changes in output composition are estimated. The technical progress associated with mechanization and computerization is analyzed in the light of these results. Mechanization brought considerable gains through the mid I960's. The acceleration of growth in banking activity brought the mechanical System to its limits and rnad computerization a race against time. French banks seem to have won tins race, with a profitable increase in the scale of their operations. Banking computerization and employment prospects are outlined.

Date: 1983
Note: DOI:10.3406/reco.1983.408748
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