Samuel Guerineau University of Auvergne, Centre d''Etudes et de Recherches sur le Développement International (CERDI)   bd François Mitterrand Clermont-Ferrand, 63000 France   samuel.guerineau@udamail.fr             JEL Areas: G1 : General Financial Markets: General (includes Measurement and Data) G2 : Financial Institutions and Services: General