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

Author

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  • Éric Vernier

    () (labrii, ULCO)

Abstract

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
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    File URL: http://riifr.univ-littoral.fr/wp-content/uploads/2007/04/doc100.pdf
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    References listed on IDEAS

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    1. Cooper, Arnold C., 1993. "Challenges in predicting new firm performance," Journal of Business Venturing, Elsevier, vol. 8(3), pages 241-253, May.
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    More about this item

    Keywords

    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

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