L'essor de l'écologie industrielle et territoriale a produit en France une cinquantaine d'initiatives dont la bioraffinerie territorialisée de Bazancourt-Pomacle (Marne). Dotée de la plus puissante capacité d'Europe, elle est considérée comme un modèle de symbiose industrielle. Partant de l'étude de cas de cette bioraffinerie complétée par des entretiens semi-directifs auprès des acteurs, cet article montre le rôle des coopératives agricoles dans le développement de ce site et apporte une contribution à la compréhension du rôle des organisations coopératives dans les réseaux d'acteurs recherchant l'éco-efficience. Les valeurs coopératives qui les ont inspirées de même que l'affirmation d'un « capitalisme patient » ressortent comme les déterminants majeurs de la dynamique d'intégration de cette symbiose industrielle. MOTS-CLÉS : capitalisme patient, symbiose industrielle, coopératives agricoles, valeurs coopératives, bioraffinerie territorialisée Patient capitalism and industrial symbiosis: the case of a territorial biorefinery The boom in industrial and territorial ecology has generated around fifty initiatives in France, including the biorefinery of Bazancourt-Pomacle in the Marne region. It has the largest capacity of any European biorefinery, and it is considered a model of industrial symbiosis. Based on a case study of this biorefinery, and semi-structured interviews with different stakeholders, this article shows the role agricultural cooperatives played in developing the site, and contributes to understanding of the role played by cooperative organizations in networks of actors looking for eco-efficiency. The major determinants of the integration dynamic demonstrated by this industrial symbiosis arerevealed as cooperative values and the promotion of "patient capitalism".
Le complexe de Bazancourt-Pomacle, situé près de Reims, dans le département de la Marne, est considéré à ce jour comme l’une des bioraffineries les plus intégrées d’Europe. La double particularité de ce site réside dans l’engagement des agriculteurs via leurs coopératives et dans le fait qu’il associe une installation industrielle à un pôle d’innovation ouverte. Cet article décrit cet écosystème et l’originalité de son métabolisme, fondé sur la recherche systématique de synergies permettant d’optimiser l’utilisation des ressources produites et échangées dans le respect des normes environnementales. Partant de l’étude de cas de cette bioraffinerie, complétée par des entretiens semi-directifs auprès des acteurs, il montre le rôle des coopératives agricoles dans le développement de cette symbiose industrielle incluant des valeurs partagées, un « capitalisme patient » et un « financement circulaire ».
The aim of this article is to assess how human capital, and more specifically training and experience, helps in forecasting and monitoring credit risk. It uses a survey of a sample of loan officers in a major French mutualist bank and applies analysis of variance and correlation to determine the relationships among variables. The study of these two components of human capital in SME loan officers shows that their ability to anticipate risk depends above all on their training rather than on their experience. Some methods of anticipating risk are more important than others. Loan officers monitor their clients in similar ways, whatever the degree and nature of their experience. The findings have two important implications for credit risk management and human capital: first, both technical and regulatory training is crucial to enable loan officers to anticipate bank credit risk, second, experience, whether in banking or as a loan officer, only makes a difference in monitoring risk. These results will be useful when banks are planning recruitment, career management and resource and skills allocation. They also suggest that staff knowledge management will enable banks to use their human capital effectively to reach their own objectives with regard to risk control, and those fixed by the regulators. This work is, as far as it is known, the first to study the role of human capital in managing credit risk. The authors show that training is more important than experience in default risk anticipation, but that experience is useful in risk monitoring.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.