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Crédit aux PME : les objectifs commerciaux influencent les décisions des banquiers

Author

Listed:
  • François Geoffroy

    (CRIISEA - Centre de Recherche sur les Institutions, l'Industrie et les Systèmes Économiques d'Amiens - UR UPJV 3908 - UPJV - Université de Picardie Jules Verne)

  • Pascal Koeberlé

    (CRIISEA - Centre de Recherche sur les Institutions, l'Industrie et les Systèmes Économiques d'Amiens - UR UPJV 3908 - UPJV - Université de Picardie Jules Verne)

Abstract

Cette recherche apporte un éclairage sur la façon dont sont octroyés les crédits aux entreprises, en rupture avec ce qu'avance la littérature financière. En effet, les banquiers ne fondent pas leurs décisions exclusivement sur des informations financières ou sur le risque du projet à financer. D'autres éléments participent à la prise de décision bancaire. Nous présentons les résultats d'une recherche qualitative qui montrent que les financements des PME sont influencés en partie par les objectifs commerciaux des banquiers.

Suggested Citation

  • François Geoffroy & Pascal Koeberlé, 2018. "Crédit aux PME : les objectifs commerciaux influencent les décisions des banquiers," Post-Print hal-04087019, HAL.
    • Handle: RePEc:hal:journl:hal-04087019
    DOI: 10.3917/entin.037.0096
    as

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