Degré d'intégration bancaire des PME: Une approche par l'organisation industrielle

Christian Picory and Bernard Geffroy

Revue Économique, 1995, vol. 46, issue 2, 365-392

Abstract: [eng] Small and medium sized firms-bank integration : an industrial organization approach. . Based on a study of small-and medium-sized firms in the Paris region, the authors challenge the idea of bank withdrawal from company financing as an aspect of disinterme-diation role of banks in the economy during the 1980s. Among the traditional criteria used to analyse the variation in the closeness of such companies with banks, size does contribute to the assesment of risk, but proves insufficient to adequately explain the differences among companies. Criteria derived from industrial organization permit us to bring out more clearly the specific character of the relationship between banks and small-and medium-sized companies. The nature of this relationship seems to result mainly from the differentiated nature of the anticipation and the industrial organization of the companies and thus tends to validate the idea of bank selective engagement. [fre] Degré d'intégration bancaire des PME. Une approche par l'organisation industrielle. . Les auteurs testent l'idée de désengagement des banques vis-à-vis des PME-PMI dans le contexte de la désintermédiation bancaire contemporaine des années quatre-vingt, à partir d'une enquête effectuée auprès d'un échantillon de PME d'Ile-de-France. Parmi les critères traditionnels d'analyse des disparités dans le degré d'intégration bancaire des PME, la taille contribue à l'appréhension des risques, mais s'avère insuffisante pour expliciter davantage les disparités entre PME. L'adjonction de critères relevant de l'organisation industrielle permet de circonscrire les spécificités de la relation entre la banque et la PME. Elles apparaissent alors déterminées par la nature différenciée des anticipations et de l'organisation industrielle dans lesquelles s'incrivent les PME, et militent en faveur d'un engagement sélectif des banques.

Date: 1995
Note: DOI:10.3406/reco.1995.409648
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