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Thesis

French

ID: <

10670/1.kkqu08

>

Where these data come from
Governance, values and behavior european banks

Abstract

Cooperative and mutual banks are faced with regulatory constraints, growth and competitiveness, which endanger their organizational characteristics and promote their trivialization. By their desire to maintain their existence and continue, the cooperative and mutual banks have begun a long process of adaptation leading to the emergence of what the literature describes as cooperative banking groups (Pourchet, 2012; Pourchet, & De Serres & al. 2014). Therefore, the question of maintaining their particularities in terms of activities, governance and banking values can legitimately arise. This doctoral research is interested in the specificities of cooperative banking groups compared to their capitalist counterparts and its objective is twofold. Through three empirical studies, we aim firstly whether the specifics of cooperative banks, particularly governance and values, still a differentiating factor for these groups. And second, we evaluate the role played by the values of the banks in their decisions. In the first part, by means of a content analysis, we are interested in the ethical formalization of cooperative banks compared to that of capitalist banks. Then, the second part highlights the historical differences in the activities of cooperative groups. Finally, the last part evaluates the level of integration of values by business managers in the framework of SME financing decisions. The results show an attenuation of the historical differences between the two categories of banks, a strong ethical communication of capitalist banks with a weak integration of values in the cognitive patterns of their managers. The account managers of cooperative banks are strongly imbued with the cooperative spirit, which reveals differences in their daily banking practices compared to their capitalist competitors.

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