Stigmatisation post-liquidation judiciaire et décision bancaire : quel signal de l’accompagnement entrepreneurial ?

Cusin, Julien; Gardès, Nathalie; Maymo, Vincent

doi:10.3917/entre1.pr.0036

Cited by 3 publications

(1 citation statement)

References 62 publications

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“…In banking, the right to be forgotten comes up against a principle of reality, that of the existence of internal files developed by the Bank of France and banking institutions to establish a ranking of entrepreneurs (Cusin & Maymo, 2019). However, the judicial liquidation is still perceived by the banker as "a stigma of incompetence", and it is on this element that he relies to refuse the granting of financing for his new entrepreneurial project (Cusin et al., 2022). It is then up to the banking institutions themselves to change the paradigm on failure by granting the entrepreneur a right to make mistakes, if not a right to be forgotten.…”

Section: From Failure To Entrepreneurial Reboundmentioning

confidence: 99%

The French approach to entrepreneurial failure: A profound paradigm shift

Lemercier

2023

Can J Adm Sci

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From the long‐standing disapproval attached to the "bankruptcy" of the entrepreneur, through the contested recognition of the right not to pay his debts, the French law of insolvency has evolved to gradually take into account the fate of the man in entrepreneurial failure. Thus, the objective of the rebound of the entrepreneur is part of the reforms of the law of companies in difficulty for several years: introduction of professional recovery leading to the cancellation of debts, acceleration of the judicial liquidation procedure, limitation of the scope of the guarantees offered to creditors and reduction of the weight of sanctions. Beyond the measures, the evolution of the law of companies in difficulty reflects a real mutation in the French perception of entrepreneurial failure. A paradigm shift is taking place where the culture of failure gradually gives way to a culture of rebound, so that the entrepreneur can be entitled to a "second chance". The article focuses on the legal mechanisms of the rebound of the individual entrepreneur after a judicial liquidation under French law. The objective is to demonstrate that a paradigm shift is taking place where the culture of failure is gradually giving way to a culture of rebound. If the change has appeared for 30 years, it appears more blatantly for 3 years, whether in European or French law. However, many economic stigmas persist, such as indicators in the banking file of companies or data on judicial liquidation that remain publicly available. In order to promote the rebound of the entrepreneur, we propose in particular the establishment of a right to be forgotten.

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Section: From Failure To Entrepreneurial Reboundmentioning

confidence: 99%

The French approach to entrepreneurial failure: A profound paradigm shift

Lemercier

2023

Can J Adm Sci

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Fostering SME survival through insolvency proceedings: a legitimacy perspective on retrenchment, age, and firm-specific distress

Achbah,

Fréchet

2024

Small Bus Econ

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La construction de la confiance : le cas de l’entrée en relation du banquier avec un entrepreneur ayant une subi une liquidation.

Cusin¹,

Maymo²

2023

RIMHE : Revue Interdisciplinaire Management, Homme &Amp; Entreprise

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Les entrepreneurs ayant subi une liquidation judiciaire (EASL) sont généralement victimes de stigmatisation, ce qui obère leur capacité à accéder à des ressources financières dans le cadre d’un nouveau projet entrepreneurial auprès des partenaires bancaires. Malgré la discrimination dont ils sont victimes, certains d’entre eux parviennent à obtenir un prêt lorsqu’ils lancent une nouvelle affaire. Dans cet article, nous cherchons à comprendre à quelles conditions le chargé d’affaires accorde sa confiance à un EASL malgré une première impression négative de sa demande de prêt du fait de son échec antérieur. Nous utilisons, à cette fin, le modèle de Mayer, Davis et Schoorman (1995) sur les antécédents de la confiance interpersonnelle, à travers une démarche qualitative fondée sur des entretiens semi-directifs auprès de 27 banquiers (acteurs stigmatisants) et entrepreneurs (acteurs stigmatisés). L’analyse de nos données empiriques à travers la méthodologie de Gioia, Corley et Hamilton (2013) nous permet, tout d’abord, de mieux comprendre la stigmatisation des EASL (origine, manifestation, éléments de renforcement ou d’atténuation), ainsi que la défiance dont ils font spontanément l’objet de la part des chargés d’affaires. Elle montre ensuite qu’un processus de déstigmatisation de l’EASL peut émerger au fil de l’entretien de découverte. A ce titre, nous mettons en évidence, sous la forme d’un arbre de décision en quatre étapes, la technologie d’engagement bancaire permettant au chargé d’affaires de dépasser ses préjugés initiaux et d’être rassuré quant à l’intégrité et la capacité perçues de l’entrepreneur malgré son échec passé.

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Stigmatisation post-liquidation judiciaire et décision bancaire : quel signal de l’accompagnement entrepreneurial ?

Cited by 3 publications

References 62 publications

The French approach to entrepreneurial failure: A profound paradigm shift

The French approach to entrepreneurial failure: A profound paradigm shift

Fostering SME survival through insolvency proceedings: a legitimacy perspective on retrenchment, age, and firm-specific distress

La construction de la confiance : le cas de l’entrée en relation du banquier avec un entrepreneur ayant une subi une liquidation.

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