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Les contrats de crédit dans une relation de long terme. De la main invisible à la poignée de main

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  • Dorothée Rivaud-Danset

Abstract

[fre] Les incertitudes sur l'issue de la relation de crédit de clientèle ont une double origine : la banque cherche à s'assurer que son client pourra la rembourser, l'emprunteur souhaite obtenir des assurances sur les conditions d'accès au crédit dans le futur. De la littérature théorique se dégagent deux principes de coordina­tion optimale entre prêteur et emprunteur dans le long terme : (1) le contrat incitatif inspiré de la théorie de l'agence ; (2) le contrat implicite qui fournit une assurance mutuelle (réduction de l'asymétrie d'information pour le prêteur et traitement privi­légié de l'emprunteur). Sont discutées la nécessité et la crédibilité de la confiance. La conclusion s'interroge sur l'intégration de principes extérieurs aux contractants, tels que la justice et la réputation. [eng] Uncertainties on the outcome of a customer credit relation have two origins : the bank wants to get insurance that its customer will be able to reimburse, the borrower hopes to get insurance on its ability to lend in the future. From the theo­retical literature come out two distinct issues on the optimal way to coordinate bor­rower and lender in the long term : (1) the incentive contract built from the theory of agence to complete the « invisible hand » ; (2) the implicit contract with mutual gains. Then we deal with trust. Necessity and credibility of trust are discussed. As a conclusion we show how these theoretical works deal with the problems of social constituents, like justice or reputation.

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Bibliographic Info

Article provided by Presses de Sciences-Po in its journal Revue économique.

Volume (Year): n° 47 (1996)
Issue (Month): 4 ()
Pages: 937-962

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Handle: RePEc:cai:recosp:reco_p1996_47n4_0937

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Cited by:
  1. Degryse, H.A. & Ongena, S., 2002. "Bank-firm relationships and international banking markets," Open Access publications from Tilburg University urn:nbn:nl:ui:12-92220, Tilburg University.
  2. Amélie Artis & Simon Cornée, 2013. "Transformation informationnelle, certification et intermédiation financière : le cas de la banque solidaire," Economics Working Paper Archive (University of Rennes 1 & University of Caen) 201326, Center for Research in Economics and Management (CREM), University of Rennes 1, University of Caen and CNRS.
  3. Christine Lagoutte, 2004. "Le paradoxe des banques britanniques," Revue d'Économie Financière, Programme National Persée, vol. 77(4), pages 329-353.
  4. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Economics Working Paper Archive (University of Rennes 1 & University of Caen) 201402, Center for Research in Economics and Management (CREM), University of Rennes 1, University of Caen and CNRS.

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