Taux d’intérêt et risque de crédit : analyse du comportement des banques en relation avec les petites et moyennes entreprises sénégalaises

Interventions Économiques pour une Alternative Sociale

关键词: small and medium-sized enterprises;    banking;    financing;    credit scoring;   

DOI  :  10.4000/interventionseconomiques.5198

来源: DOAJ

【 摘 要 】

This article assesses, from a microeconomic point of view, the risk and interest rate determinants applied by banks to small and medium-sized enterprises (SMEs) in 2016 in Senegal. Using Heckman's (1979) model, two equations are estimated. The first empirical model specifies the credit risk of SMEs and the second gives the impact on the interest rate of the credit score and the characteristics of Small and Medium Enterprises. The results provide valuable information on the characteristics that banks and non-banks financial institutions consider important in their decision to lend to SMEs. Knowledge of this information can provide SMEs with a wide range of criteria that must be met to obtain financing from financial institutions in Senegal. According to the findings of the study, credit risk has had a significant influence on the interest rate and loans granted to SMEs by banks in Senegal.

【 授权许可】

Unknown