| Titre | Pourquoi et comment assurer les crédits ? | |
|---|---|---|
| Auteur | Anne Lavigne | |
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Revue | Revue d'économie financière |
| Numéro | no 38, automne 1996 Finance et Europe : Question de confiance ? | |
| Rubrique / Thématique | Finance et Europe : Question de confiance ? Monnaie et financement |
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| Résumé |
In France, a personal borrower is encouraged to subscribe an insurance policy when he (she) applies for a loan. The insurance contract is generally concluded between the lending bank and an insurance company, the borrower only adhering to the contract. The contract is designed to provide the bank a repayment whenever a borrower in the « pool of borrowers » defaults because of a risk associated with human life (death, disease, working disability, unemployment). The insurance contract is often refered to as a « group contract ». Insurance contracts covering the default on a loan raise two questions. The first one is independant of their design : why do they exist ? is the « group contract » superior to a contract directly concluded between the loan Source : Éditeur (via Persée) |
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| Article en ligne | https://www.persee.fr/doc/ecofi_0987-3368_1996_num_38_3_5576 |
