Number of Banks and Credit Relationships

Nombre de banques et relations de crédit

Ydriss Ziane ()
Additional contact information
Ydriss Ziane: BETA - Bureau d'Économie Théorique et Appliquée - INRA - Institut National de la Recherche Agronomique - UNISTRA - Université de Strasbourg - UL - Université de Lorraine - CNRS - Centre National de la Recherche Scientifique

Post-Print from HAL

Abstract: This paper tests various theories relative to the choice of the number of bank relationships on a french sample of 244 small and medium business. We formulate hypotheses relative to firm's characteristics and to the impact of this choice on collateral requirements, cost and exposure to bank credit rationing. Firm's size, profitability as well as the degree of opacity significantly reduce the number of banks. From the supply point of view, behaviours depend on the competition level represented by the firm's number of banks. The effects of the lending relationship depend on the risk level represented by the degree of implication of the bank in the financing of the firm.

Keywords: Banques; PME; France; Crédit bancaire (search for similar items in EconPapers)
Date: 2004
References: Add references at CitEc
Citations:

Published in Revue Economique, 2004, 55 (3), pp.419-428. ⟨10.3917/reco.553.0419⟩

There are no downloads for this item, see the EconPapers FAQ for hints about obtaining it.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-00279344

DOI: 10.3917/reco.553.0419

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().