IDEAS home Printed from
   My bibliography  Save this article

Très petites entreprises et exclusion bancaire en France : les partenariats associations-banques


  • Isabelle Guérin
  • David Vallat


[eng] Very small firms and financial exclusion in France . There is a growing concern about the ability of the existing financial sector to serve the lower end of the economy, especially the local economy. It seems that the financial sector is less and less willing or able to support the creation and development of micro businesses and to finance local initiatives. Then, what are the alternative strategies implemented by various actors achieving a better match the supply of financial services with local development needs ? One important point is the development of partnership between banks and non profit organizations. Together, they are trying to implement the idea that credit can help poor people to create a job. . JEL Classification : G21 . . [fre] Obtenir un crédit bancaire pour créer une très petite entreprise n’est généralement pas aisé, a fortiori quand le porteur de projet vit une situation de chômage. La concurrence entre les établissements bancaires et les contraintes en termes de réduction des coûts que cela implique peut expliquer ce phénomène. Pourtant des initiatives se mettent en place pour permettre un accès élargi au crédit bancaire en faveur des chômeurs créateurs d’entreprise. Le développement de partenariats entre banques et associations semble être une voie innovante pour mettre en oeuvre l’idée selon laquelle le crédit à la création d’entreprise peut être un outil de lutte contre le chômage et l’exclusion. . Classification JEL : G21

Suggested Citation

  • Isabelle Guérin & David Vallat, 2000. "Très petites entreprises et exclusion bancaire en France : les partenariats associations-banques," Revue d'Économie Financière, Programme National Persée, vol. 58(3), pages 151-162.
  • Handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_58_3_3488
    Note: DOI:10.3406/ecofi.2000.3488

    Download full text from publisher

    File URL:
    Download Restriction: no

    File URL:
    Download Restriction: no

    References listed on IDEAS

    1. George J. Stigler, 1967. "Imperfections in the Capital Market," Journal of Political Economy, University of Chicago Press, vol. 75, pages 287-287.
    Full references (including those not matched with items on IDEAS)


    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.

    Cited by:

    1. Amélie Artis, 2008. "Finance solidaire et régulation territoriale," Post-Print halshs-00322576, HAL.

    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:prs:recofi:ecofi_0987-3368_2000_num_58_3_3488. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Equipe PERSEE). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.