Le poids des critères de décision dans l'octroi de crédit aux PME
Hagelstein, Coralie
Promotor(s) : Berwart, Jacques
Date of defense : 23-Jun-2016/28-Jun-2016 • Permalink : http://hdl.handle.net/2268.2/1477
Details
Title : | Le poids des critères de décision dans l'octroi de crédit aux PME |
Author : | Hagelstein, Coralie |
Date of defense : | 23-Jun-2016/28-Jun-2016 |
Advisor(s) : | Berwart, Jacques |
Committee's member(s) : | Lambert, Marie
Sonveaux, Luc |
Language : | French |
Number of pages : | 108 |
Keywords : | [fr] Crédit [fr] décision [fr] critères [fr] PME [fr] banques belges |
Discipline(s) : | Business & economic sciences > Finance |
Institution(s) : | Université de Liège, Liège, Belgique |
Degree: | Master en sciences de gestion, à finalité spécialisée en Banking and Asset Management |
Faculty: | Master thesis of the HEC-Ecole de gestion de l'Université de Liège |
Abstract
[fr] This thesis is an attempt to gather all the factors that are taken into account in the decision-making procedure of Belgium banks in granting credit to small and medium businesses. These factors are presented into several groups of characteristics, namely the characteristics of the company, the characteristics of the relationship between the bank and the company, the characteristics related to the demand of credit itself and the characteristics of the contractual terms. This study reveals their importance and their decisive nature through interviews to relationship managers and credit analysts. The results indicate the repayment ability as the most important factor. They also specify that a credit approval is always based on a set of factors whereas a credit refusal can be based on one factor. These factors which can lead to a credit refusal are: the repayment ability, the track record of the client, the purpose of the credit or the information provided by the company. The results also suggest that the importance of every factor can vary from one demand of credit to another.
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