thesis

L'agence bancaire : caracteristiques et rentabilite

Defense date:

Jan. 1, 1989

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Institution:

Lyon 2

Disciplines:

Economics

Authors:

Directors:

Abstract EN:

Basic component of the intermediation of the deposit banks, the agency appears as a multifunctional unit rather than a sole commercial one. Its analysis necessitates a complete approach of its situation in the banking firm or group. Assimilated to a "point of sale" ten years ago, it has been progressively designated as a profit center. However, the analysis of the operating conditions of agencies, particularly the internal invoicing systems. They are bound to show how improper this assimilation is without any pedagogic approach regarding the personnel which makes the staff aware of profitability objectives.

Abstract FR:

Element de base de la realisation de l'intermediation pratiquee par les banques de depots, l'agence apparait comme une unite plurifonctionnelle, et non seulement commerciale. Son analyse exige une approche approfondie de sa situation dans la firme, ou le groupe, bancaire. Auparavant assimilee a un point de vente, elle a progressivement ete designee comme un centre de profit. Pourtant, l'analyse des conditions d'exploitation des guichets, et en particulier des systemes de facturations internes auxquels ils sont soupis, montre a quel point cette assimilation est abusive, sortie du cadre d'une seule demarche pedagogique visant a sensibiliser le personnel a l'objectif de rentabilite.