A structural analysis of credit contract theory -- The treatment of credit contract theory in the literature -- A standardisation of credit contract theory -- Joint liability and its potential to cause adverse selection instead of resolving it -- The perverse effect of joint liability and its...

This thesis includes three main contributions. The first chapter, an article published in 2019 in the Revue Française d'Économie n°2/vol XXXIV", provides a literature review on the implications of genetic testing regulations on the health insurance market. We show that the choice of a...