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Substitution or complementarity between “soft” information and "hard" information : why and which effect on bank profitability ?

Smondel, Aymen; Alexandre, Hervé (2010), Substitution or complementarity between “soft” information and "hard" information : why and which effect on bank profitability ?, 2010 FMA Annual Meeting, 2010-10, New York, États-Unis

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E5356504d01.pdf (240.3Kb)
Type
Communication / Conférence
Date
2010
Conference title
2010 FMA Annual Meeting
Conference date
2010-10
Conference city
New York
Conference country
États-Unis
Pages
39
Metadata
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Author(s)
Smondel, Aymen cc

Alexandre, Hervé
Dauphine Recherches en Management [DRM]
Abstract (EN)
The Basel II committee set up directives encouraging banks to use internal scores in order to assess the risk of their customers. This new form of information competes with the existing ones. SMEs are most concerned by these new stakes, due to the lack of transparency. The aim of this paper is to understand the determinants of the choice between substitution and complementarity between the two types of information: “soft” and “hard”, to test a potential effect of this choice on the banking performance and to describe which variables are involved in the decision-making process. The originality of this work is to try to quantify the information costs and to use it as a variable which is affecting the adopted choice.
Subjects / Keywords
Basel directives; Bank-SMEs relationship; bank performance; credit decision-making process; “hard” information; “soft” information
JEL
G39 - Other
G24 - Investment Banking; Venture Capital; Brokerage; Ratings and Ratings Agencies
G21 - Banks; Depository Institutions; Micro Finance Institutions; Mortgages

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