Pourquoi et comment assurer les crédits ?

Anne Lavigne

Revue d'Économie Financière, 1996, vol. 38, issue 3, 135-148

Abstract: [fre] In France, a personal borrower is encouraged to subscribe an insurance policy when he (she) applies for a loan. The insurance contract is generally concluded between the lending bank and an insurance company, the borrower only adhering to the contract. The contract is designed to provide the bank a repayment whenever a borrower in the « pool of borrowers » defaults because of a risk associated with human life (death, disease, working disability, unemployment). The insurance contract is often refered to as a « group contract ». Insurance contracts covering the default on a loan raise two questions. The first one is independant of their design : why do they exist ? is the « group contract » superior to a contract directly concluded between the loan

Date: 1996
Note: DOI:10.3406/ecofi.1996.5576
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Working Paper: Pourquoi et comment assurer les crédits? (1997)
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