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L'intégration de la dimension qualitative dans l'évaluation du risque crédit des PME

Author

Listed:
  • Christophe Godowski

    (CRM - Centre de Recherche en Management - UT Capitole - Université Toulouse Capitole - UT - Université de Toulouse - IAE - Institut d'Administration des Entreprises - Toulouse - CNRS - Centre National de la Recherche Scientifique)

  • Maque Isabelle

Abstract

This article aims at establishing the consequences of progress in the evaluation of credit risk within a bank-SME relationship. Thus, the reliability of quantitative approach implies the development of the relational approach. Four case studies with four SMEs underscore the progress lines that optimize the bank-SME relationship. One progress line in particular is the role of banks regarding the misunderstanding and the lack of comprehension of SMEs' managing directors concerning banking offers

Suggested Citation

  • Christophe Godowski & Maque Isabelle, 2009. "L'intégration de la dimension qualitative dans l'évaluation du risque crédit des PME," Post-Print halshs-00491765, HAL.
    • Handle: RePEc:hal:journl:halshs-00491765
    DOI: 10.3166/RFG.191.109-122
    as

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