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Prévoir la défaillance de crédit : l'ambition du scoring

Author

Listed:
  • Jeanne Lazarus

    (CSO - Centre de sociologie des organisations (Sciences Po, CNRS) - Sciences Po - Sciences Po - CNRS - Centre National de la Recherche Scientifique)

Abstract

This article compares French and US ways of granting a credit, and focuses specifically on the different uses of credit scoring. Whereas in France, many in-house scores exist, there is only one single score in the US, which is public. This difference has huge consequences in the organization of the credit market in the two countries. Our demonstration is based on the distinction established by Luc Boltanski between "world" and "reality". We show that credit scoring, specially the US one includes the past, present and future. It eventually aims to suppress the possibility of any event and dissolve all felt experience of the borrowers.

Suggested Citation

  • Jeanne Lazarus, 2012. "Prévoir la défaillance de crédit : l'ambition du scoring," Post-Print hal-01522827, HAL.
    • Handle: RePEc:hal:journl:hal-01522827
    DOI: 10.3917/rai.048.0103
    Note: View the original document on HAL open archive server: https://sciencespo.hal.science/hal-01522827
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    File URL: https://sciencespo.hal.science/hal-01522827/document
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    Cited by:

    1. Céline Baud & Nathalie Lallemand-Stempak, 2024. "Quantitative technologies and reflexivity: The role of tools and their layouts in the case of credit risk management," Post-Print hal-04419872, HAL.

    More about this item

    Keywords

    crédit; risque;

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