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Prévoir la défaillance de crédit : l'ambition du scoring

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.
Mots-clés : crédit risque
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Jeanne Lazarus. Prévoir la défaillance de crédit : l'ambition du scoring. Raisons politiques, Presses de Science Po, 2012, pp.103 - 118. ⟨hal-01522827⟩



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