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来源类型Researchers' work published externally
规范类型其他
Bank and Credit Union Business Models in the United States
Rym Ayadi; Michel Keoula; Willem Pieter De Groen; Walid Mathlouthi; Ibtihel Sassi
发表日期2017-11-30
出版年2017
语种英语
摘要

This study comes in response to the continuing evolution of market structures and regulatory overhaul since the financial crisis of 2007-2009 in the US. The banking sector has largely suffered after the collapse of Lehman Brothers in September 2008. The initial context of decades of deregulation has been followed by the Dodd-Frank Act to respond to the overly damaging 2007-2009 global financial crisis, with the aim of safeguarding financial stability and putting an end to government bailouts.

This first investigation into the bank and credit union business models for the United States, offers an extensive insight into 10,352 banks and 10,392 credit unions, which respectively account for almost all total banking assets of the country and more than 80% of the total assets of credit unions. Using regulatory data from 2000 to 2014, the two samples of 108,226 bank-year observations and 115,516 credit-union-year observations are each clustered into distinct bank and credit union business models, using a novel definition and applying a robust clustering methodology. The definition uses the activity and funding profiles of a bank or a credit union based on balance sheet indicators.

Four bank business models and three credit union business models are identified. The study proceeds then by thorough assessments of the interaction between business models and size, as well as the migration, financial performance, contribution to the real economy, risk and response to regulation of US banks and credit unions, using a rich palette of indicators.

The study is authored by Rym Ayadi, Professor at the Department of International Business at HEC Montreal and Director of the IRCCF and Alphonse and Dorimène Desjardins International Institute for Cooperatives, Willem Pieter de Groen, Associate Researcher at the IRCCF and Research Fellow at the FIPP Unit at CEPS, Michel Keoula, Walid Mathlouthi and Ibtihel Sassi, researchers at the IRCCF.

主题Economy and Finance
URLhttps://www.ceps.eu/publications/bank-and-credit-union-business-models-united-states
来源智库Centre for European Policy Studies (Belgium)
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/64540
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Rym Ayadi,Michel Keoula,Willem Pieter De Groen,et al. Bank and Credit Union Business Models in the United States. 2017.
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BBMM-2016_US.pdf(1938KB)智库出版物 限制开放CC BY-NC-SA浏览
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