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« Les déterminants du soutien abusif : une première approche empirique » Article paru dans Banque & Marchés n°47 Mai-Juin 2000 pp.42-56

Author

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  • Laurent Vilanova

    (COACTIS - COnception de l'ACTIon en Situation - UL2 - Université Lumière - Lyon 2 - UJM - Université Jean Monnet - Saint-Étienne)

Abstract

La théorie bancaire souligne le rôle de production et de transmission d'information des intermédiaires financiers. La jurisprudence sur le soutien abusif remet en cause cette pensée unique : des banques sont en effet condamnées pour avoir retardé la liquidation d'entreprises non viables. A travers l'étude de 39 dossiers de soutien abusif, ce travail tente de mettre à jour les raisons d'un tel comportement. Les résultats permettent de distinguer deux types de soutien abusif : un soutien involontaire dû à un contrôle insuffisant ou à une erreur d'interprétation ; un soutien délibéré dû à la volonté du banquier de parfaire ses garanties ou à sa trop grande captivité vis-à-vis du débiteur. Abstract : The banking theory stresses the information production and certification role of financial intermediaries. However, there exists a growing evidence that banks' decisions sometimes misrepresent the actual situation of the firm. For instance, some court decisions sentence banks which have delayed the liquidation of non viable firms. This article tries to identify the determinants of this behavior through the study of 39 cases. The results enable to make a distinction between : an « involuntary support » due to a weak monitoring or a mistake in evaluation ; a « voluntary support » due to the desire of bankers to strenghten collateral or to their dependence upon their borrowers. Cet article est tiré de ma thèse soutenue en 1999 à l'I.A.E d'Aix-en-Provence (CEROG). Une version antérieure a été présentée aux Journées Internationales de l'AFFI en Juin 1999. Je remercie le comité de lecture de la revue pour ses remarques constructives. Correspondance : Laurent.Vilanova@eco.u-cergy.fr

Suggested Citation

  • Laurent Vilanova, 2000. "« Les déterminants du soutien abusif : une première approche empirique » Article paru dans Banque & Marchés n°47 Mai-Juin 2000 pp.42-56," Post-Print halshs-02418818, HAL.
    • Handle: RePEc:hal:journl:halshs-02418818
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-02418818
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    References listed on IDEAS

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