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Sélection de clientèle et exclusion bancaire

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  • Nicolas Eber

Abstract

[eng] Selection and exclusion in the banking sector . For any bank, the crucial point is to discriminate the « good » customer from the « bad ». Thus the need for systematic method to discriminate. This discrimination is made difficult due to the existence of information asymetries. . JEL Classification : D82 [fre] Pour toutes les banques, la sélection de la clientèle est un problème crucial. Il s’agit de déterminer quels clients doivent être servis et quels clients doivent être rationnés ou exclus. Pour cela, il convient de trouver des méthodes permettant une telle sélection. Au plan théorique, la question est de comprendre les origines et les enjeux du problème de la sélection de clientèle. D’une manière évidente, l’origine fondamentale du problème réside dans l’imperfection de l’information concernant le risque des clients. Bien entendu, l’information imparfaite rend difficile pour la banque d’évaluer avec exactitude le risque d’un client et rend donc complexe la procédure de sélection des clients acceptables. . Classification JEL : D82

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Bibliographic Info

Article provided by Programme National Persée in its journal Revue d'économie financière.

Volume (Year): 58 (2000)
Issue (Month): 3 ()
Pages: 79-96

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Handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_58_3_3482

Note: DOI:10.3406/ecofi.2000.3482
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  1. Crook, Jonathan, 1999. "Who is discouraged from applying for credit?," Economics Letters, Elsevier, vol. 65(2), pages 165-172, November.
  2. Stephen P. Zeldes, . "Consumption and Liquidity Constraints: An Empirical Investigation," Rodney L. White Center for Financial Research Working Papers 16-88, Wharton School Rodney L. White Center for Financial Research.
  3. Duca John V. & Rosenthal Stuart S., 1993. "Borrowing Constraints, Household Debt, and Racial Discrimination in Loan Markets," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 77-103, October.
  4. Hall, Robert E & Mishkin, Frederic S, 1982. "The Sensitivity of Consumption to Transitory Income: Estimates from Panel Data on Households," Econometrica, Econometric Society, vol. 50(2), pages 461-81, March.
  5. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
  6. A Leyshon & N Thrift, 1996. "Financial exclusion and the shifting boundaries of the financial system," Environment and Planning A, Pion Ltd, London, vol. 28(7), pages 1150-1156, July.
  7. J S Pollard, 1996. "Banking at the margins: a geography of financial exclusion in Los Angeles," Environment and Planning A, Pion Ltd, London, vol. 28(7), pages 1209-1232, July.
  8. Bester, Helmut, 1987. "The role of collateral in credit markets with imperfect information," European Economic Review, Elsevier, vol. 31(4), pages 887-899, June.
  9. Xavier Freixas & Jean-Charles Rochet, 1997. "Microeconomics of Banking," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262061937, December.
  10. Petersen, Mitchell A & Rajan, Raghuram G, 1994. " The Benefits of Lending Relationships: Evidence from Small Business Data," Journal of Finance, American Finance Association, vol. 49(1), pages 3-37, March.
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