Le crédit sous Bâle II - un dispositif néolibéral de financiarisation en pratiques

Abstract : How does international regulation organize credit activities ? In order to address this question, this thesis analyzes the regulatory standards for assessing and controlling credit risks defined by the 2004 reform of the Basel Agreements on Capital Adequacy, the so-called Basel II Agreements, and it traces the genealogy of these standards from where and when they have been constructed – in the Basel Committee from 1998 to 2004 – down to their effects on the daily practices of a bank. The thesis describes the transnational community and the liberal project that launched the Basel Agreements reform process. Then it analyzes the regulatory framework itself and suggests that Basel II marks a shift within the regulatory regime of credit risk. Indeed it demonstrates that the norms are embedded in a financialized representation of credits and that they are implemented following a neoliberal mode of government. Finally, the thesis investigates how the new norms have been translated into a french cooperative bank specialized in SME lending and it concludes that the new regulatory framework is actively participating in the disembeddedness and in the financialization of credit relationships.
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Céline Baud. Le crédit sous Bâle II - un dispositif néolibéral de financiarisation en pratiques. Economies et finances. HEC, 2013. Français. ⟨NNT : 2013EHEC0007⟩. ⟨tel-01449921⟩

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