Relationship Banking and Profitability - An Empirical Survey of German Banks
Relationship Banking and Profitability - An Empirical Survey of German Banks
复制标题
关系银行业务与盈利能力——对德国银行的实证调查
DOI：
10.2139/ssrn.967235
复制
发表时间：
2007
期刊：
影响因子：
--
通讯作者：
Felix Schwarze
中科院分区：
文献类型：
--
作者：
Felix Schwarze
德国中小企业的融资仍然主要由家庭银行主导（Elsas（2005））。基于对129家德国银行的调查，我们研究了家庭银行的关系是如何反映在这些银行的信贷流程。我们还追求的假设，这些银行是更成功的过程中更强有力的组织根据关系银行方面。我们发现，定性信息的使用（用两个指标衡量）和净资产收益率（ROE）之间存在正相关关系，这支持了我们的假设。最后，我们确定了三组银行：一组信贷流程主要是根据关系银行方面设计的，第二组流程设计是根据交易银行方面安排的，第三组没有明确的重点。
The financing of German small and medium-sized enterprises (SME) is still strongly dominated by housebanks (Elsas (2005)). Based on a survey of 129 German banks we examine how the housebank relationship is reflected in the credit processes of these banks. We also pursue the hypothesis that those banks are more successful whose processes are more strongly organized according to relationship banking aspects. We found a positive correlation between the use of qualitative information (measured with two indicators) and the return on equity (ROE), which supports our hypothesis. Finally we identified three groups of banks: One group which credit processes are primarily designed under relationship banking aspects, a second group which process-design is rather arranged under transaction banking aspects and a third group with no clear focus.