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Asymetrie d'information et rationnement du crédit bancaire dans les PME camerounaises

Author

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  • dagobert ngongang

Abstract

Cette étude a pour objet d’un part de mettre en évidence les caractéristiques de l’asymétrie d’information et du rationnement du crédit bancaire et, d’autre part, d’analyser les facteurs explicatifs du rationnement du crédit bancaire. L’étude par questionnaires auprès de 93 PME montre que celles-ci évoluent dans un contexte d’asymétrie d’information et qu’elles sont aussi rationnées. Les tests de régression logistique montrent que le caractère opaque des PME et l’incertitude liée au projet d’investissement influencent positivement sur le comportement de rationnement du crédit bancaire et que la relation bancaire de long terme entre la banque et l’entreprise, et la capacité à présenter des garanties ont une influence négative sur le comportement de rationnement du crédit bancaire.

Suggested Citation

  • dagobert ngongang, 2015. "Asymetrie d'information et rationnement du crédit bancaire dans les PME camerounaises," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 6(1), December.
    • Handle: RePEc:jaf:journl:v:6:y:2015:i:1:n:37
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    Citations

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    Cited by:

    1. Zakari Yaou KAKA & Amadou HAIDARA, 2023. "rôle des signaux financiers dans la réduction des asymétries d’informations," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 14(1), pages 132-144, June.
    2. Thierry Kamga Tadie & Claude Essomba Ambassa & Louis Aimé Fono & Jules Sadefo-Kamdem, 2021. "Criteria for choosing the method of leasing finances in Small and Medium Enterprises (SMEs) in Cameroon [Critères de choix du mode de financement par crédit-bail dans les Petites et Moyennes Entrep," Post-Print hal-03131640, HAL.

    More about this item

    Keywords

    Opacité informationnelle; Risque de substitution; Relation; Garantie; Rationnement; Informational opacity; Risk substitution; Relationship; Guarantee; Rationing;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • N8 - Economic History - - Micro-Business History
    • G3 - Financial Economics - - Corporate Finance and Governance

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