Systèmes de contrainte, systèmes disciplinaires et décision face au risque. Le comportement du chargé d'affaires comme déterminant fondamental du risque de la banque

The banker is the middleman in the relationship between the bank and the firm. The understanding of the perception of the risk of the firm by the bank relies on an analysis of its strategy and governance structure. The classical and neoclassical approaches of behavioral risk reduce the individual choice to a search for rationalization and justification. Nonetheless some types of behaviors towards risk reveal a logic of responsabilization. To study them, we propose a socioeconomic approach of the governance system. The perception of this system by the banker regarding its own socioprofessional trajectory, determines his individual behavior towards risk.