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Rationalisation du crédit, risque et pouvoir de marchandage

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  • Jean-Pierre Gourlaouen

Abstract

[fre] L'analyse économique récente fait une part plus grande que par le passé aux phénomènes d'ajustements quantitatifs. Cet article a pour objet l'étude de ces ajustements sur les marchés de crédit ; il s'agit, plus précisément, de rechercher les éléments explicatifs du rationnement du crédit. A côté du risque, nous intro­duisons le pouvoir de marchandage relatif de la banque et de ses clients comme élément essentiel à la compréhension des phénomènes de rationnement et de dis­crimination en matière d'octroi de crédit. [eng] markets ; we are searching more precisely the reasons of credit rationning. With the risk, we introduce the bargaining power of the bank and of customers to explain credit rationning and the strategy of discrimination among customers.

Suggested Citation

  • Jean-Pierre Gourlaouen, 1978. "Rationalisation du crédit, risque et pouvoir de marchandage," Revue Économique, Programme National Persée, vol. 29(5), pages 849-865.
    • Handle: RePEc:prs:reveco:reco_0035-2764_1978_num_29_5_408418
    DOI: 10.3406/reco.1978.408418
    Note: DOI:10.3406/reco.1978.408418
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    References listed on IDEAS

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    1. Donald R. Hodgman, 1960. "Credit Risk and Credit Rationing," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 74(2), pages 258-278.
    2. Edward J. Kane & Burton G. Malkiel, 1965. "Bank Portfolio Allocation, Deposit Variability, and the Availability Doctrine," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 79(1), pages 113-134.
    3. Jean-Pascal Benassy, 1975. "Neo-Keynesian Disequilibrium Theory in a Monetary Economy," Review of Economic Studies, Oxford University Press, vol. 42(4), pages 503-523.
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    Cited by:

    1. Gérard Mondello, 1990. "Note sur un modèle dynamique de rationnement du crédit," Revue Économique, Programme National Persée, vol. 41(1), pages 119-134.
    2. Jean-Paul Goulvestre, 1980. "Rationnement du crédit et risque de défaut," Revue Économique, Programme National Persée, vol. 31(3), pages 465-504.

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