Relationship banking jako struktura pośrednictwa finansowego : związki z konkurencyjnością banków i nadzorem korporacyjnym w sektorze

• Autorzy: Krzysztof Zalega

Warianty tytułu

Relationship banking as a structure of financial intermediation

• Języki publikacji: PL

Abstrakty

Relationship banking to zapewnianie usług finansowych przez pośrednika finansowego, który inwestuje w informacje o kliencie, a opłacalność tej inwestycji ocenia poprzez wielorakie interakcje na bazie czasu lub produktu. W artykule omówiono zagadnienie konkurencji w ramach relationship banking oraz wpływ relationship banking na ład korporacyjny.

EN

Intensified competition in financial markets determines the need to look for new, more competitive structure of financial intermediation. In terms of the banking sector it refers to banks' specialisation in various market segments, its natural consequence being that banks get motivation to build close relationships with their customers. Relationship banking is about permanent mutual commitment of a bank and its customer to build a long-term relationship based on financing. Access to customer data is a basic problem of financial intermediaries. Benefits of customer data are one of the principle determinants of banks' profitability. That is why they are particularly prone to change in the sector, resulting from competition in the market. However, competition limits the bank's possibility of benefiting from information acquired within relations with a financed company. Financial intermediaries compete one with another in collecting data on their existing and potential customers. In response to the collected data banks offer differentiated financial services and products; due to specialisation in a given segment, they acquire expert knowledge about the customer. The author attempts to answer the questions of whether close relations with customers allow banks to effectively monitor their situation in order to prevent loss of invested funds, and how the informational asymmetry, specialisation and competition within relationship banking tend to influence the quality of corporate order in the banking sector. The analysis of literature indicates that relationship banking allows banks to tailor their offering to the type of customers, their financial standing, as well as their requirements, needs and expectations. The process of collecting customer data generates considerable costs, which grow in line with clients' variety and heterogeneity. That is why in peripheral segments banks tend to resign from investing in the development of specialisation, confining

Słowa kluczowe

PL

Pośrednictwo finansowe; Konkurencyjność banków; Informacja dla potrzeb zarządzania; Ład korporacyjny; Sektor bankowy; Bankowość relacyjna

EN

Financial intermediation; Banks' competitiveness; Information for management needs; Corporate governance; Banking sector; Relationship banking

• Czasopismo: Bank i Kredyt
• Rocznik: 2004
• Numer: nr 6
• Strony: 94--99

Twórcy

autor

Krzysztof Zalega

Bibliografia

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