{"id":10777,"date":"2015-12-28T00:00:00","date_gmt":"2015-12-28T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2015\/12\/28\/les-tpe-francaises-et-leur-acces-au-financement\/"},"modified":"2022-01-18T11:29:37","modified_gmt":"2022-01-18T09:29:37","slug":"les-tpe-francaises-et-leur-acces-au-financement","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/les-tpe-francaises-et-leur-acces-au-financement\/","title":{"rendered":"Les TPE fran\u00e7aises et leur acc\u00e8s au financement"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La Direction g\u00e9n\u00e9rale du Tr\u00e9sor a publi\u00e9 une \u00e9tude sur \u00ab\u00a0Les TPE fran\u00e7aises et leur acc\u00e8s au financement\u00a0\u00bb. Elle conclut que \u00ab\u00a0l\u2019acc\u00e8s des TPE au cr\u00e9dit d\u2019investissement est globalement satisfaisant et ne constitue pas un frein \u00e0 l\u2019investissement\u00a0\u00bb. Selon l\u2019\u00e9tude \u00ab\u00a0le comportement d\u2019investissement des TPE appara\u00eet relativement reli\u00e9 \u00e0 la taille de l\u2019entreprise et en particulier \u00e0 l\u2019objectif de croissance que s\u2019est fix\u00e9 le dirigeant d\u2019entreprise et cela d\u00e8s la phase de cr\u00e9ation\u00a0\u00bb.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deux m\u00e9canismes sont soulign\u00e9s pour faciliter l&rsquo;octroi de cr\u00e9dit d&rsquo;investissement :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>l&rsquo;apport de garanties \u00ab\u00a0permet d&rsquo;attester de la qualit\u00e9 et de la viabilit\u00e9 du projet et d&rsquo;apporter une contre-garantie financi\u00e8re en cas de non remboursement\u00a0\u00bb<\/li><li>\u00ab\u00a0pour les TPE qui en b\u00e9n\u00e9ficient, la cotation FIBEN d\u00e9livr\u00e9e par la Banque de France est un outil compl\u00e9mentaire d&rsquo;information financi\u00e8re\u00a0\u00bb.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u00a0L&rsquo;acc\u00e8s plus difficile au cr\u00e9dit de tr\u00e9sorerie met en \u00e9vidence une population de TPE dans une situation financi\u00e8re pr\u00e9occupante\u00a0\u00bb, selon le Tr\u00e9sor. L&rsquo;\u00e9tude met en relation la demande de cr\u00e9dit de tr\u00e9sorerie, \u00ab\u00a0relativement peu \u00e9lev\u00e9e\u00a0\u00bb, et \u00ab\u00a0la situation financi\u00e8re des entreprises qui ont formul\u00e9 leur demande\u00a0\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">25% des TPE pr\u00e9sentent une faible tr\u00e9sorerie et l&rsquo;analyse des ratios de fonds propres met en \u00e9vidence \u00ab\u00a0des situations pr\u00e9occupantes pour une partie des TPE\u00a0\u00bb. \u00ab\u00a0En croisant les donn\u00e9es des ratios de fonds propres avec les soldes de tr\u00e9sorerie, il appara\u00eet que 17% des TPE cumulent faible tr\u00e9sorerie et d\u00e9ficit en fonds propres, soit environ 230 000 entreprises\u00a0\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, il est soulign\u00e9 l&rsquo;opportunit\u00e9 \u00ab\u00a0d&rsquo;am\u00e9liorer la connaissance des dirigeants de TPE en mati\u00e8re de gestion financi\u00e8re\u00a0\u00bb. Parmi les outils disponibles, la Lettre-Eco-Tr\u00e9sor fait r\u00e9f\u00e9rence au guide FBF consacr\u00e9 au \u00ab\u00a0Financement court terme \u00e0 destination des TPE \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Lettre Tr\u00e9sor-Eco &#8211; Les TPE fran\u00e7aises et leur acc\u00e8s au financement &#8211; d\u00e9cembre 2015<\/p><p class=\"postAttachment__fileSize\">155,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Lettre Tr\u00e9sor-Eco - Les TPE fran\u00e7aises et leur acc\u00e8s au financement - d\u00e9cembre 2015&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Lettre Tr\u00e9sor-Eco - Les TPE fran\u00e7aises et leur acc\u00e8s au financement - d\u00e9cembre 2015\" href=\"https:\/\/fbf.fr\/uploads\/2021\/07\/TresorEco-159-17122015.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Lettre Tr\u00e9sor-Eco &#8211; Les TPE fran\u00e7aises et leur acc\u00e8s au financement &#8211; d\u00e9cembre 2015<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La Direction g\u00e9n\u00e9rale du Tr\u00e9sor a publi\u00e9 une \u00e9tude sur \u00ab\u00a0Les TPE fran\u00e7aises et leur acc\u00e8s au financement\u00a0\u00bb. Elle conclut que \u00ab\u00a0l\u2019acc\u00e8s des TPE au cr\u00e9dit d\u2019investissement est globalement satisfaisant et ne constitue pas un frein \u00e0 l\u2019investissement\u00a0\u00bb. Selon l\u2019\u00e9tude \u00ab\u00a0le comportement d\u2019investissement des TPE appara\u00eet relativement reli\u00e9 \u00e0 la taille de l\u2019entreprise et en particulier \u00e0 l\u2019objectif de croissance que s\u2019est fix\u00e9 le dirigeant d\u2019entreprise et cela d\u00e8s la phase de cr\u00e9ation\u00a0\u00bb.<\/p>\n","protected":false},"author":36,"featured_media":18466,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":5650,"viewed_at":"1778309165"},"categories":[3389,3350,3349,3320],"tags":[3276,3274],"class_list":["post-10777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autres-enquetes-et-etudes","category-credits","category-entreprises-et-pme","category-rubrique-etudes-et-chiffres-cles","tag-credits","tag-entreprises-et-pme"],"yoast_head":"<title>Les TPE fran\u00e7aises et leur acc\u00e8s au financement<\/title>\n<meta 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