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Dans quelle mesure une démarche d'intelligence économique permettrait-elle une réduction du risque de crédit bancaire ?

Abstract : Bank Information Systems, key tools in banking strategies, have become comprehensive and complex. And the decision-making or strategic information systems are playing an increasingly more important role.Nevertheless, some inefficiencies in the conception of information systems still continue to exist, due to the uncontrolled design or rather construction of strategic information systems, systematically alienating the end-user.One solution seems to be to rely on economic intelligence to attempt to solve the matter of the construction of those strategic information systems, and consequently to improve decision-making. Because, the strategic information system, the core of decision-making systems, is the heart itself of the economic intelligence system.Our theory is that an approach of economic intelligence applied to the conception of information systems in banking would allow the reduction of the “loan risk”. This specifically in the sector of retail banking and for the individual, professional and contractor customer.- Risk for the customer who should not start loan payments which he cannot cover, or commit to loan projects which do not match the stakes he would have set himself.- Risk obviously for the bank which is not willing to accumulate uncreditworthy customers, and which would not match either the stakes set by the bank decision-makers.After putting emphasis on the distinctive features of the bank and the complexity of its environment, we will show the evidence that the current approach to risk management inside banks seems “incomplete” and fragmented, and consequently, where there is room for improvement particularly for individual and professional customers.Then, we intend to suggest some methodological rules for the conception of strategic information systems in banking, as well as a business model of such a system taking into account the needs of the end-user who will be, as shown in this present thesis, the decision-maker of a credit file or the bank adviser, or even the credit risk analyst. Finally, after drawing up this model of strategic information systems, we will compare how it could improve on the existing one. Our thesis is situated at a crossroads, at a confluence, of a thesis in management sciences, more particularly in bank finance, and of a thesis in information systems, and in computer science; and it leans largely on our professional experience in the banking sector in France.Thus, along with the banking sector, we wish to explore the new field of application of research in economic intelligence, particularly linked to the results stemming from the work by the research team SITE of LORIA as far as the conception of information systems for economic intelligence is concerned.After introducing the concept of economic intelligence and the decision-support process (chapter no. 1), we will outline the specificities of the banking sector and its information systems (chapter no. 2). Then we will clarify the difficulties of credit risk management within banks (chapter no. 3) before submitting our proposals for the implementation of a strategic information system enabling the improvement of credit risk management in banking (chapter no. 4).
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Henri-Blaise N'Damas. Dans quelle mesure une démarche d'intelligence économique permettrait-elle une réduction du risque de crédit bancaire ?. Gestion et management. Université de Lorraine, 2017. Français. ⟨NNT : 2017LORR0081⟩. ⟨tel-01759488⟩



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