Boulanouar Zakaria, Ghassan Hassan B
Department of Finance & Accounting, College of Business and Economics, The United Arab Emirates University, Al Ain, United Arab Emirates.
Quantitative Solutions for Business Research, Paris, France.
Heliyon. 2023 Jul 28;9(8):e18777. doi: 10.1016/j.heliyon.2023.e18777. eCollection 2023 Aug.
Relationship banking (RB) with SMEs has been approached as a one-size-fits-all where no differences exist between micro, small, and medium businesses. Nevertheless, recent research has clearly identified three distinct levels of RB depending on variables such as the size and complexity of the business and the amount of borrowing. In this study, we create an original model of this fundamental trident, presented as a system of postulates and inferences in mathematical terms, to capture the structure and dynamics of the three RB levels from the supply/bank side. The model systematically shows the existence of and describes the three RB levels. Further, it highlights how each of these levels is dependent on the determinant variables and how a comparison between the three levels is possible based on the per-capita contribution of each of the determinant variables, in turn, to the per-capita RB service production. Our model provides an analytical framework that can assist banks and researchers to rigorously assess and study each level separately or in comparison to the others. It is also beneficial as it can be used to calculate the optimal allocation of the bank's limited resources among the three levels of RB and to achieve maximum value creation for all stakeholders.
对中小企业的关系型银行业务（RB）一直被视为一种一刀切的模式，即微型、小型和中型企业之间不存在差异。然而，最近的研究已经明确根据企业规模和复杂性以及借款金额等变量确定了三种不同层次的关系型银行业务。在本研究中，我们创建了这个基本三叉戟的原始模型，以数学术语表示为一个假设和推理系统，从供应方/银行方捕捉三个关系型银行业务层次的结构和动态。该模型系统地展示了这三个关系型银行业务层次的存在并对其进行了描述。此外，它突出了每个层次如何依赖于决定变量，以及如何基于每个决定变量对人均关系型银行业务服务产出的人均贡献来对这三个层次进行比较。我们的模型提供了一个分析框架，可以帮助银行和研究人员分别或与其他层次进行比较，严格评估和研究每个层次。它还有益之处在于，可用于计算银行有限资源在三个关系型银行业务层次之间的最优分配，并为所有利益相关者实现最大价值创造。
