Prévoir la défaillance de crédit: l'ambition du scoring

Jeanne Lazarus ()
Additional contact information
Jeanne Lazarus: CSO - Centre de sociologie des organisations (Sciences Po, CNRS) - Sciences Po - Sciences Po - CNRS - Centre National de la Recherche Scientifique

Post-Print from HAL

Abstract: This article compares French and US ways of granting a credit, and focuses specifically on the different uses of credit scoring. Whereas in France, many in-house scores exist, there is only one single score in the US, which is public. This difference has huge consequences in the organization of the credit market in the two countries. Our demonstration is based on the distinction established by Luc Boltanski between "world" and "reality". We show that credit scoring, specially the US one includes the past, present and future. It eventually aims to suppress the possibility of any event and dissolve all felt experience of the borrowers.

Keywords: crédit; risque (search for similar items in EconPapers)
Date: 2012-12
Note: View the original document on HAL open archive server: https://sciencespo.hal.science/hal-01522827
References: Add references at CitEc
Citations: View citations in EconPapers (2)

Published in Raisons politiques, 2012, 48, pp.103-118. ⟨10.3917/rai.048.0103⟩

Downloads: (external link)
https://sciencespo.hal.science/hal-01522827/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-01522827

DOI: 10.3917/rai.048.0103

Access Statistics for this paper

More papers in Post-Print from HAL
Bibliographic data for series maintained by CCSD ().