Multiple banking relationships: do SMEs mistrust their banks?

Catherine Refait-Alexandre and Stéphanie Serve ()
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Stéphanie Serve: IRG - Institut de Recherche en Gestion - UPEM - Université Paris-Est Marne-la-Vallée - UPEC UP12 - Université Paris-Est Créteil Val-de-Marne - Paris 12

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Abstract: This paper focuses on the determinants of the use of multiple banking relationships by SMEs. We exploit the results of an original survey conducted on a sample of French SMEs in December 2012. We first provide evidence that access to multiple banking relationships is influenced by firms' characteristics. We find that larger, high-performing and innovative firms are more likely to develop multiple banking relationships. More originally, relying on the management literature, we also highlight the explanatory power of trust from the perspective of the CEO: when the CEO mistrusts the firm's main bank, the firm will be more likely to engage in multiple banking relationships.

Keywords: Banking relationships; Small business; Credit rationing; Trust (search for similar items in EconPapers)
Date: 2020
Note: View the original document on HAL open archive server: https://hal.science/hal-03141969v1
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Citations: View citations in EconPapers (1)

Published in Research in International Business and Finance, 2020, 51, pp.100908. ⟨10.1016/j.ribaf.2018.04.005⟩

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Related works:
Journal Article: Multiple banking relationships: Do SMEs mistrust their banks? (2020)
Working Paper: Multiple banking relationships: do SMEs mistrust their banks? (2017)
Working Paper: Multiple banking relationships: do SMEs mistrust their banks? (2016)
Working Paper: Multiple Banking Relationships: Do SMEs Mistrust Their Banks? (2016)
Working Paper: Multiple banking relationships: do SMEs mistrust their banks? (2015)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-03141969

DOI: 10.1016/j.ribaf.2018.04.005

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