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Asymetrie d'information et contrats bancaires: l'interet des "prets-tests"

Author

Listed:
  • Kast, R.
  • Molkhou, V.

Abstract

Dans le cadre du contexte francais actuel, les PME qui ne peuvent pas s'autofinancer et qui n'ont pas acces au marche financier (trop petit chiffre d'affaires) sont fortement dependantes des banques. Elles rencontrent des difficultes a se faire reconnaitre a leur juste valeur du faitd'une asymetrie d'information. Celle-ci est a la source de phenomenes d'anti-selection et d'incitations contraires qui peuvent conduire les banques a une mauvaise appreciation du risque-PME.

Suggested Citation

  • Kast, R. & Molkhou, V., 1998. "Asymetrie d'information et contrats bancaires: l'interet des "prets-tests"," G.R.E.Q.A.M. 98a12, Universite Aix-Marseille III.
    • Handle: RePEc:fth:aixmeq:98a12
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    More about this item

    Keywords

    CONTRATS ; INFORMATION ASYMETRIQUE ; PRETS;
    All these keywords.

    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • D83 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Search; Learning; Information and Knowledge; Communication; Belief; Unawareness
    • D92 - Microeconomics - - Micro-Based Behavioral Economics - - - Intertemporal Firm Choice, Investment, Capacity, and Financing
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L14 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Transactional Relationships; Contracts and Reputation
    • L15 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Information and Product Quality

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