IDEAS home Printed from
   My bibliography  Save this paper

Le financement bancaire de la création d’entreprise (Banking financement and business creation)


  • Éric Vernier

    () (labrii, ULCO)


La personnalité de l’entrepreneur est une variable primordiale dans l’analyse financière du projet. L’environnement économique de l’entreprise en gestation est l’autre paramètre que les banquiers examinent avant de décider de la faisabilité du projet de création. Le prêt est accordé en fonction du secteur d’activité, du marché et des aspects financiers du dossier. L’ensemble de ces variables et des aspects de la personnalité du créateur d’entreprise doivent être en phase avec la stratégie financière de la banque en question pour que le prêt soit accordé. Le difficile ajustement des besoins aux capacités de financement fait que les intermédiaires en « conseil à la création d’entreprises » se multiplient et prospèrent The entrepreneur’s personality is an important factor in the financial analysis of a project. The economic context of a start up is another parameter used by bankers to examine the economic feasability of the project before any decision. Loan’s attribution depends on the sector of the activity, on the market and on the financial aspects of the project. All these parameters and aspects of entrepreneur’s personality must be compatible with financial strategy of the bank. In this case the loan is possible. The coordination between the needs and the financial capabilities is difficult. Therefore, consulting entreprises focused on entrepreneurship becomme an important actor in the starting of new businesses.

Suggested Citation

  • Éric Vernier, 2005. "Le financement bancaire de la création d’entreprise (Banking financement and business creation)," Working Papers 100, Laboratoire de Recherche sur l'Industrie et l'Innovation. ULCO / Research Unit on Industry and Innovation.
  • Handle: RePEc:rii:riidoc:100

    Download full text from publisher

    File URL:
    Download Restriction: no

    References listed on IDEAS

    1. Cooper, Arnold C., 1993. "Challenges in predicting new firm performance," Journal of Business Venturing, Elsevier, vol. 8(3), pages 241-253, May.
    Full references (including those not matched with items on IDEAS)

    More about this item


    Création d'entreprise; financement; banque; crédit; entrepreneur/business creation; financement; bank; entrepreneur; credit;

    JEL classification:

    • L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship
    • G00 - Financial Economics - - General - - - General
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics


    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:rii:riidoc:100. 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: (Philippe Chagnon). 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.