Lending to SMEs: Calculation, Guarantees, and Information Gathering in Russia in the 2000s

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

Caroline Dufy ()
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Caroline Dufy: CED - Centre Émile Durkheim - IEP Bordeaux - Sciences Po Bordeaux - Institut d'études politiques de Bordeaux - UB - Université de Bordeaux - CNRS - Centre National de la Recherche Scientifique

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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.

Keywords: système bancaire; finances; crédit; calcul; système financier; Russie; PME (search for similar items in EconPapers)
Date: 2011-09
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Published in Genèses. Sciences sociales et histoire, 2011, 84, pp.47-68. ⟨10.3917/gen.084.0047⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:halshs-00653218

DOI: 10.3917/gen.084.0047

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