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Faire crédit aux PME : calcul, garanties et collecte de l'information dans la Russie des années 2000

Abstract : Lending to SMEs: Calculation, Guarantees and Information Gathering in Russia in the 2000s In Russia, the decade of the 2000s was marked by an explosion in the number of bank loans granted to private individuals. At the same time, the risk management tools of scoring and prudential ratios were imported from Western banking models and disseminated. This article argues that the rapid dissemination of these loans was due more to the bank's ability to control their organisations than to the efficiency of the tools in calculating credit risk. Thus, commercial banks succeeded in consolidating the hierarchical authority of their head offices over their expanding territorial networks.
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https://halshs.archives-ouvertes.fr/halshs-00653218
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Submitted on : Monday, December 19, 2011 - 9:53:45 AM
Last modification on : Monday, February 17, 2020 - 4:48:34 PM

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Caroline Dufy. Faire crédit aux PME : calcul, garanties et collecte de l'information dans la Russie des années 2000. Genèses. Sciences sociales et histoire, Belin, 2011, pp.47-68. ⟨10.3917/gen.084.0047⟩. ⟨halshs-00653218⟩

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