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Les produits financiers peuvent-ils être transparents ? Discours de banques et de consommateurs

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  • Eric Dehay

    (RIME-Lab - Recherche Interdisciplinaire en Management et Économie Lab - ULR 7396 - UA - Université d'Artois - Université de Lille)

  • Nathalie Levy

Abstract

The theme is retail financial products for which there are many information asymmetries. We are studying the initiative taken in 2010 in the United Kingdom to simplify them. A statistical analysis of the discourse held on this occasion by financial institutions and consumers reveals two obstacles to simplification. The first is an economic one. It is about profitability and efficiency of the offer. The second is of a conceptual nature. It concerns the definition of what a simple product and the instance validating them are. This explains why the regulator acts on information and financial education rather than on products to increase market transparency.

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  • Eric Dehay & Nathalie Levy, 2020. "Les produits financiers peuvent-ils être transparents ? Discours de banques et de consommateurs," Post-Print hal-03224507, HAL.
    • Handle: RePEc:hal:journl:hal-03224507
    Note: View the original document on HAL open archive server: https://univ-artois.hal.science/hal-03224507
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