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Peut-il exister un droit au crédit ?

Author

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  • Michel Dietsch

Abstract

[fre] L’exclusion du crédit est fondamentalement, pour la plupart de ceux qui sont dans cette situation, une exclusion de l’accès aux services de liquidité des banques. On montre qu’il existe trois grands fondements économiques de cette exclusion : l’ambiguïté de l’information, la discrimination statistique et le caractère trop rigide des contrats de crédit. On montre aussi, à la lumière de travaux empiriques récents, que la création d’établissements spécialisés n’est pas une solution efficiente du problème de l’exclusion. Il n’existe pas de droit au crédit comme il existe un droit au compte. Cependant, il est possible de réduire l’exclusion par une meilleure utilisation des avantages offerts par la diversification des portefeuilles bancaires. Cela passe aussi notamment par une plus grande flexibilité des formules de crédit. Enfin, l’autorité publique pourrait veiller à la présence dans les portefeuilles des banques de crédits à certaines catégories de demandeurs habituellement exclus. . Classification JEL : G21, G28 . . [eng] Is a right for credit possible ? . For people who do not have any access to bank loans, the right of getting a loan is fundamentally a right to get access to liquidity services supplied by banks. This paper shows that there are three economic foundations of the exclusion of this right : the ambiguity of the information, the statistical discrimination, and the rigidity of the loan contracts. We also show that the solution is not to create specialized institutions in these clienteles. The solution is more to take benefit from the advantages of the loans portfolio diversification. It is also necessary to introduce more flexibility in the loans contracts. The regulatory authority could also receive incentives to check the loans portfolios of banks, in order to verify the existence of loans for certain categories of demanders that are ordinarily excluded. . JEL Classification : G21, G28 . .

Suggested Citation

  • Michel Dietsch, 2000. "Peut-il exister un droit au crédit ?," Revue d'Économie Financière, Programme National Persée, vol. 58(3), pages 135-150.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_58_3_3487
    DOI: 10.3406/ecofi.2000.3487
    Note: DOI:10.3406/ecofi.2000.3487
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    References listed on IDEAS

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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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