{"id":390,"date":"2019-05-21T12:16:14","date_gmt":"2019-05-21T12:16:14","guid":{"rendered":"https:\/\/fincley.com\/old2023\/?p=390"},"modified":"2021-04-16T09:56:44","modified_gmt":"2021-04-16T09:56:44","slug":"etude-fincley-sur-les-moyens-mis-en-oeuvre-par-les-banques-pour-attenuer-limpact-du-taux-de-remuneration-negatif-de-la-bce-sur-leur-rentabilite","status":"publish","type":"post","link":"https:\/\/fincley.com\/old2023\/etude-fincley-sur-les-moyens-mis-en-oeuvre-par-les-banques-pour-attenuer-limpact-du-taux-de-remuneration-negatif-de-la-bce-sur-leur-rentabilite\/","title":{"rendered":"<strong> Etude Fincley sur les moyens mis en \u0153uvre par les banques pour att\u00e9nuer l\u2019impact du taux de r\u00e9mun\u00e9ration n\u00e9gatif de la BCE sur leur rentabilit\u00e9 <\/strong>"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2  fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:0px;width:48%; margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p>Quasiment aucune banque ne r\u00e9percute les taux n\u00e9gatifs \u00e0 ses clients entreprise. Celles qui le font ciblent un nombre limit\u00e9 de clients sans potentiel de d\u00e9veloppement. Les banques ne restent pourtant pas inactives. 91% d\u2019entre elles mettent en place des mesures vis-\u00e0-vis de la client\u00e8le entreprise pour att\u00e9nuer l\u2019impact des taux n\u00e9gatifs sur leur rentabilit\u00e9.<\/p>\n<p>C\u2019est un des r\u00e9sultats de l\u2019\u00e9tude que nous avons conduite aupr\u00e8s de 14 banques de la place de novembre 2018 \u00e0 f\u00e9vrier 2019.<\/p>\n<p>Cela fait maintenant 5 ans que le taux de r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts des banques \u00e0 la BCE s\u2019est install\u00e9 en territoire n\u00e9gatif (-0,40% actuellement). Confront\u00e9e au ralentissement de la croissance et de l\u2019inflation, la BCE a annonc\u00e9 qu\u2019elle reporte de nouveau la hausse de ce taux au plus t\u00f4t \u00e0 2020. Or, ce taux n\u00e9gatif a un co\u00fbt pour les banques de plus de sept milliards d\u2019euros par an vers\u00e9s \u00e0 la BCE<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>.<\/p>\n<p>Notre \u00e9tude permet de mieux cerner l\u2019enjeu des taux n\u00e9gatifs pour les banques en pr\u00e9cisant la part des d\u00e9p\u00f4ts les plus impact\u00e9s. Elle r\u00e9pond aux questions\u00a0: Comment les banques ont-elles r\u00e9agi\u00a0? Quel a \u00e9t\u00e9 l\u2019impact sur les diff\u00e9rents produits de tr\u00e9sorerie\u00a0propos\u00e9s ?\u00a0 Quelles sont les mesures les plus efficaces\u00a0?<\/p>\n<p><a href=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-de-place-Fincley-Taux-N\u00e9gatifs-Extrait-Plaquette.pdf\"><em><strong>Acc\u00e9dez ici \u00e0 un extrait de l&rsquo;\u00e9tude<\/strong><\/em><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2  fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:0px;width:48%'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" src=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-1030x627.jpg\" width=\"1030\" height=\"627\" alt=\"\" title=\"Etude taux n\u00e9gatifs\" class=\"img-responsive wp-image-392\" srcset=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-200x122.jpg 200w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-400x244.jpg 400w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-600x365.jpg 600w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-800x487.jpg 800w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/05\/Etude-taux-n\u00e9gatifs-1200x731.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 600px\" \/><\/span><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1  fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p>Pour une pr\u00e9sentation compl\u00e8te des r\u00e9sultats de l\u2019\u00e9tude, contactez\u00a0: <a href=\"mailto:kelvin.frisquet@fincley.com\/old2023\">kelvin.frisquet@fincley.com\/old2023<\/a><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/fr.reuters.com\/article\/businessNews\/idFRKCN1R80T0-OFRBS\">https:\/\/fr.reuters.com\/article\/businessNews\/idFRKCN1R80T0-OFRBS<\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":392,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts\/390"}],"collection":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/comments?post=390"}],"version-history":[{"count":0,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts\/390\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/media\/392"}],"wp:attachment":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/media?parent=390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/categories?post=390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/tags?post=390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}