But it is possible to note that the credit gap rationale for the BDBC would take on a new meaning if compl
ementarity included some overlap in the provision of financial services. In this case, the gap would not be a lack of private institutions in the market (the rationale for the IDB), nor would it be a lack of credit for small business at reasonable rates (the rationale for the FBDB); the gap wo
uld be linked to an information flaw for some reason, private financial institutions would treat similar businesses differently, and some s
...[+++]mall businesses that would qualify for credit from the private sector at terms given to similar businesses will not receive that credit.
Dans ce cas, la lacune ne serait pas le manque d'établissements privés sur le marché (justification de la BEI), ni le manque de crédit à des conditions raisonnables pour les petites entreprises (justification de la BFD), mais une faille sur le plan de l'information : pour une raison quelconque, les établissements privés traiteraient différemment des entreprises semblables, et certaines petites entreprises pouvant prétendre obtenir du crédit dans le secteur privé à des conditions comparables à celles d'entreprises analogues ne le recevraient pas.