L'intégration de la dimension qualitative dans l'évaluation du risque crédit des PME

Isabelle Maque and Christophe Godowski

Revue française de gestion, 2009, vol. n° 191, issue 1, 109-122

Abstract: This article aims at establishing the consequences of progress in the evaluation of credit risk within a bank-SME relationship. Thus, the reliability of quantitative approach implies the development of the relational approach. Four case studies with four SMEs underscore the progress lines that optimize the bank-SME relationship. One progress line in particular is the role of banks regarding the misunderstanding and the lack of comprehension of SMEs? managing directors concerning banking offers.

Date: 2009
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