{"id":10639,"date":"2016-07-19T00:00:00","date_gmt":"2016-07-19T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2016\/07\/19\/financement-des-pme-lacces-au-credit-toujours-tres-ouvert\/"},"modified":"2021-07-02T16:04:53","modified_gmt":"2021-07-02T14:04:53","slug":"financement-des-pme-lacces-au-credit-toujours-tres-ouvert","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/financement-des-pme-lacces-au-credit-toujours-tres-ouvert\/","title":{"rendered":"Financement des PME : l&rsquo;acc\u00e8s au cr\u00e9dit toujours tr\u00e8s ouvert"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Le nombre de PME fran\u00e7aises ayant obtenu le cr\u00e9dit demand\u00e9 pour le financement de leur activit\u00e9 et de leur projet reste \u00e0 un niveau \u00e9lev\u00e9, selon les r\u00e9ponses de plus de 7 000 entreprises \u00e0 l\u2019enqu\u00eate trimestrielle de la Banque de France (*).<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus de 9 PME sur 10 (94%) indiquent avoir obtenu le cr\u00e9dit d&rsquo;investissement demand\u00e9, elles sont 8 sur 10 (84%) pour les cr\u00e9dits de tr\u00e9sorerie. Seulement 2% des demandes de nouveaux cr\u00e9dits d&rsquo;investissement des PME font l&rsquo;objet d&rsquo;un refus par les banques. <br> <br>La demande de nouveau cr\u00e9dit demeure contenue : 8% des chefs d&rsquo;entreprises ont fait une nouvelle demande pour leur tr\u00e9sorerie, 66% ayant mobilis\u00e9 des lignes de cr\u00e9dit au 2\u00e8me trimestre (+ 2 points par rapport au trimestre pr\u00e9c\u00e9dent). L&rsquo;investissement est en l\u00e9ger rebond : 24% des PME ont demand\u00e9 un nouveau cr\u00e9dit. <br> <br>Les TPE ont elles aussi toujours un acc\u00e8s ouvert au cr\u00e9dit : 2 demandes sur 3 sont obtenues pour la tr\u00e9sorerie et 8\/10 pour l&rsquo;investissement.<br> <br>Les chefs d&rsquo;entreprises sont toujours sensibles aux taux bas qui leur sont propos\u00e9s : 82% d&rsquo;entre eux ont vu le co\u00fbt global de leur financement rester stable ou baisser (pour plus du tiers d&rsquo;entre eux dans ce dernier cas). Les conditions pratiqu\u00e9es aux PME sont inf\u00e9rieures \u00e0 la moyenne europ\u00e9enne depuis plusieurs mois avec un taux moyen de 1,93% en mai pour 2,52% dans la zone euro (**).<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"755\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2021\/07\/image-9.png\" alt=\"\" class=\"wp-image-24167\" srcset=\"https:\/\/fbf.fr\/uploads\/2021\/07\/image-9.png 975w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-300x232.png 300w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-768x595.png 768w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-80x62.png 80w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-607x470.png 607w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-387x300.png 387w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-323x250.png 323w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-65x50.png 65w, https:\/\/fbf.fr\/uploads\/2021\/07\/image-9-550x426.png 550w\" sizes=\"auto, (max-width: 975px) 100vw, 975px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">(*) <i>Banque de France, Stat info acc\u00e8s au cr\u00e9dit des entreprises &#8211; 2\u00e8me trimestre 2016 (18\/07\/2016)<\/i> <br>(**) <i>BCE, taux pratiqu\u00e9s en mai 2016 pour les cr\u00e9dits aux entreprises inf\u00e9rieurs \u00e0 1 million d&rsquo;euros, et dont la p\u00e9riode de fixation initiale est en-de\u00e7\u00e0 d&rsquo;un an<\/i> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/fbf.fr\/fr\/derniers-chiffres-du-financement-des-entreprises\/\">Derniers chiffres du financement des entreprises<\/a><br> <br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le nombre de PME fran\u00e7aises ayant obtenu le cr\u00e9dit demand\u00e9 pour le financement de leur activit\u00e9 et de leur projet reste \u00e0 un niveau \u00e9lev\u00e9, selon les r\u00e9ponses de plus de 7 000 entreprises \u00e0 l\u2019enqu\u00eate trimestrielle de la Banque de France (*).<\/p>\n","protected":false},"author":36,"featured_media":18155,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":422,"viewed_at":"1778381289"},"categories":[3397,3350,3349,3320,3348],"tags":[3276,3274,3272],"class_list":["post-10639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chiffres-cles","category-credits","category-entreprises-et-pme","category-rubrique-etudes-et-chiffres-cles","category-industrie-bancaire-francaise","tag-credits","tag-entreprises-et-pme","tag-industrie-bancaire-francaise"],"yoast_head":"<title>Financement des PME : l&#039;acc\u00e8s au cr\u00e9dit toujours tr\u00e8s ouvert - 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