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Transformation informationnelle, certification et intermédiation financière : le cas de la banque solidaire

  • Amélie Artis

    (PACTE, Sciences Po Grenoble, Université de Grenoble, France)

  • Simon Cornée

    (CREM UMR CNRS 6211 et CERMi, University of Rennes 1, France)

L’information est au cœur du processus d’intermédiation financière. Pourtant, la manière dont les décisionnaires de la banque utilisent et interprètent l’information dans le processus d’octroi de crédit demeure une boîte noire. A partir d’une analyse statistique textuelle conduite sur les avis préalables au comité des engagements, qui concernent 52 dossiers de crédit extraits d’une banque solidaire française, cet article examine le processus de transformation informationnelle et de certification qui incombe à tout intermédiaire financier. Les banques solidaires constituent un terrain fertile pour une telle étude, car les processus que nous examinons y sont encore plus complexes que dans les banques conventionnelles, du fait de leur mission d’inclusion financière de projets atypiques et opaques sur le plan informationnel. Nos résultats montrent comment la banque solidaire étudiée collecte du savoir spécifique sur chacun de ses débiteurs (inputs informationnels qualitatifs) qu’elle transforme ensuite en outputs informationnels publics qui obéissent aux normes quantitatives du secteur financier. En filigrane de ce processus de transformation informationnel figurent les prérogatives des différents niveaux hiérarchiques impliqués dans le processus d’octroi de crédit.

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Paper provided by Center for Research in Economics and Management (CREM), University of Rennes 1, University of Caen and CNRS in its series Economics Working Paper Archive (University of Rennes 1 & University of Caen) with number 201326.

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Date of creation: Jul 2013
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Handle: RePEc:tut:cremwp:201326
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