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L’impact de la crise de 2008 sur le rationnement du crédit des PME françaises

Author

Listed:
  • Hélène Buisson-Stéphan

    () (DRM - Dauphine Recherches en Management - Université Paris-Dauphine - CNRS - Centre National de la Recherche Scientifique)

  • Herve Alexandre

    () (DRM - Dauphine Recherches en Management - Université Paris-Dauphine - CNRS - Centre National de la Recherche Scientifique)

Abstract

Le rationnement du crédit est un phénomène étudié depuis longtemps, mais que la crise de 2008 remet sur le devant de la scène. Les PME sont particulièrement touchées et semblent être les principales victimes de la crise financière actuelle. Cet article estime l’ampleur du rationnement du crédit pour les PME françaises sur la période 2000-2008. Celles-ci semblent rationnées sur l’ensemble de la période et tout particulièrement en 2008, année de la crise financière. Par ailleurs, les PME les plus exposées au rationnement du crédit bancaire sont plus jeunes, présentent un plus fort taux de croissance, dégagent moins de cash-flow et ont moins d’actifs disponibles à mettre en garantie.

Suggested Citation

  • Hélène Buisson-Stéphan & Herve Alexandre, 2014. "L’impact de la crise de 2008 sur le rationnement du crédit des PME françaises," Post-Print halshs-01131974, HAL.
  • Handle: RePEc:hal:journl:halshs-01131974
    Note: View the original document on HAL open archive server: https://halshs.archives-ouvertes.fr/halshs-01131974
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    Cited by:

    1. Catherine Refait-Alexandre & Stéphanie Serve, 2015. "« Multiple banking relationships: do SMEs mistrust their banks? »," Post-Print hal-01450968, HAL.
    2. Philippe Adair & Mohamed Adaskou, 2017. "The capital structure of French SMEs and impact of the financial crisis: A dynamic panel data analysis (2002-2010)," Working Papers hal-01667313, HAL.
    3. Djedidi-Kooli, Salima, 2009. "L’accès au financement des PME en France : quel rôle joué par la structure du système bancaire ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/8354 edited by Etner, François, October.
    4. Zemouri Messaoud & Haroun Tahar, 2012. "SME’s in the Financial and Economic Crisis Focus on Three Maghreb," Book Chapters, Institute of Economic Sciences.
    5. Tlili, Rim, 2012. "Comment justifier la multibancarité au sein des PME ?," Economics Thesis from University Paris Dauphine, Paris Dauphine University, number 123456789/10919 edited by Etner, François, October.

    More about this item

    Keywords

    Financement bancaire; Rationnement; Crédit; PME;

    JEL classification:

    • D92 - Microeconomics - - Micro-Based Behavioral Economics - - - Intertemporal Firm Choice, Investment, Capacity, and Financing
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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