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Credit Rationing, Customer Relationship and the Number of Banks: An Empirical Analysis

48 Pages Posted: 20 Jun 2002  

Jean-Christophe Statnik

Université de Lille - LSRMC – European Center for Corporate

Eric de Bodt

Université de Lille

Frederic Lobez

University of Lille II - GERME Research Center

Multiple version iconThere are 2 versions of this paper

Date Written: December 20, 2001

Abstract

The recent important transformations of the banking sector, especially through numerous mergers and acquisitions, both in Europe and in the USA, have raised serious concerns for the financing of small business firms (SBF). Indeed, SBF are known to be heavily dependent of this financing channel but to be rather opaque. It has been long thought that bank classically solved this problem by developing long term customer relationship with its customers. But will the new large banks born from the current restructuration process be able to continue to play this role? If not, what strategy should develop SBF to compose their banks' pool in order to avoid as much as possible credit rationing? These questions are at the hearth of our analysis. We show that there is no unique rule: all depends on the degree of SBF opacity and the kind of bank the SBF are working with.

Keywords: credit rationing, customer relationship, bank pool, small business financing

JEL Classification: G21, G32

Suggested Citation

Statnik, Jean-Christophe and de Bodt, Eric and Lobez, Frederic, Credit Rationing, Customer Relationship and the Number of Banks: An Empirical Analysis (December 20, 2001). EFMA 2002 London Meetings; EFA 2002 Berlin Meetings Discussion Paper. Available at SSRN: https://ssrn.com/abstract=314877 or http://dx.doi.org/10.2139/ssrn.314877

Jean-Christophe Statnik

Université de Lille - LSRMC – European Center for Corporate ( email )

FFBC-1, Place Deliot
BP 381
59020 Lille Cedex
France

Eric De Bodt (Contact Author)

Université de Lille ( email )

1 place Déliot, BP381
59020 Lille Cedex
France
+03 20 90 74 77 (Phone)
+03 20 90 77 02 (Fax)

HOME PAGE: http://www.edebodt.net

Frederic Lobez

University of Lille II - GERME Research Center ( email )

1, Place Deliote BP 381
Lille, 59000
France
03 20 99 74 75 (Phone)
03-20-90-77-02 (Fax)

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