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Prévoir la défaillance de crédit : l'ambition du scoring

Author

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  • Jeanne Lazarus

    (Centre de sociologie des organisations (CSO))

Abstract

Cet article compare les techniques d'octroi de crédit française et étatsunienne à travers l'utilisation du scoring, technique statistique mesurant le risque de non remboursement. Les scores français sont multiples et internes aux banques alors que le score étatsunien est unique et public, il est donc à l'origine d'un marché qui n'existe pas en France. Se fondant sur la distinction entre « monde » et « réalité » établie par Luc Boltanski, nous y montrons que le scoring, en particulier dans sa forme étatsunienne, incorpore les temporalités passées, présentes et futures, et est une tentative de supprimer l'événement et faire disparaître l'expérience ressentie par les emprunteurs défaillants, ou non.

Suggested Citation

  • Jeanne Lazarus, 2012. "Prévoir la défaillance de crédit : l'ambition du scoring," Sciences Po publications info:hdl:2441/f4rshpf3v1u, Sciences Po.
    • Handle: RePEc:spo:wpmain:info:hdl:2441/f4rshpf3v1umfa09lb10m2db5
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    Keywords

    crédit; risque;

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