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2023
- handle: 10670/1.0atins
- hal: hal-04479371
- doi: 10.1007/978-3-031-24283-0_1
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info:eu-repo/semantics/altIdentifier/doi/10.1007/978-3-031-24283-0_1
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Simon Cornée et al., « The Changing Role of Banks in the Financial System: Social Versus Conventional Banks », HAL-SHS : économie et finance, ID : 10.1007/978-3-031-24283-0_1
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Résumé
Social banks have emerged as a new group of banks that call themselves as “alternative”, “ethical”, “sustainable”, and “value-based”. Their small market share increases at a rapid pace and is still expected to grow in the future. Social banks are institutions with both (at least some) activities of financial intermediation and one or several non-financial missions, typically based on environmental and social values. By unpacking the observable, real-life differences between social banks and conventional banks, this chapter paves the way to theorizing the multidimensional characteristics of social banks within the global banking industry. Business models, governance issues, lending technologies, and social outcomes appear to be key aspects to understand how innovative, value-based, social banks work and how they might one day substantively affect mainstream banking business.