{"id":36854,"date":"2025-03-24T17:35:52","date_gmt":"2025-03-24T15:35:52","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=36854"},"modified":"2026-04-22T18:15:03","modified_gmt":"2026-04-22T16:15:03","slug":"une-analyse-economique-pour-un-meilleur-financement-de-leconomie","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/une-analyse-economique-pour-un-meilleur-financement-de-leconomie\/","title":{"rendered":"Une analyse \u00e9conomique pour un meilleur financement de l\u2019\u00e9conomie"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u00c0 l\u2019occasion d\u2019une conf\u00e9rence organis\u00e9e \u00e0 Bruxelles par la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) le 19 mars dernier, Fr\u00e9d\u00e9ric Gonand, professeur d\u2019\u00e9conomie \u00e0 l\u2019Universit\u00e9 Paris Dauphine-PSL, a pr\u00e9sent\u00e9 les conclusions de son analyse \u00e9conomique sur les exigences en fonds propres pour les banques europ\u00e9ennes, en s&rsquo;appuyant sur la litt\u00e9rature acad\u00e9mique.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les points cl\u00e9s de cette analyse :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un assouplissement des exigences en fonds propres bancaires, bien plus \u00e9lev\u00e9s que dans les autres zones \u00e9conomiques, pourrait avoir des effets notables sur l&rsquo;offre de cr\u00e9dit, particuli\u00e8rement dans le contexte de 2025. \u00ab <em>La litt\u00e9rature acad\u00e9mique est assez consensuelle pour estimer qu\u2019une baisse des ratios de fonds propres des banques en p\u00e9riode de conjoncture d\u00e9grad\u00e9e \u2013 comme en 2025 \u2013 a des effets significatifs sur l\u2019activit\u00e9 \u00e9conomique<\/em>&nbsp;\u00bb, souligne l\u2019\u00e9tude.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les meilleures \u00e9tudes scientifiques disponibles permettent de consid\u00e9rer de fa\u00e7on robuste que, dans le contexte \u00e9conomique actuel, <strong>une baisse de 1 % des exigences en capital des banques augmenterait rapidement l\u2019offre de cr\u00e9dit d\u2019environ 10 %<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors que la transposition finale des Accords de B\u00e2le est applicable dans l\u2019UE depuis le 1er&nbsp;janvier 2025, <strong>l\u2019\u00e9tude plaide pour un pilotage intelligent des exigences en fonds propres.<\/strong> Il ne s\u2019agit pas de remettre en question la solidit\u00e9 financi\u00e8re des banques, mais plut\u00f4t d\u2019\u00e9viter que les r\u00e8gles prudentielles, qui s\u2019accumulent et parfois couvrent deux fois la m\u00eame chose, ne deviennent un frein suppl\u00e9mentaire \u00e0 l\u2019activit\u00e9 \u00e9conomique lorsque celle-ci ralentit.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Une<\/strong> <strong>modulation cibl\u00e9e des fonds propres pourrait ainsi jouer un r\u00f4le cl\u00e9 pour soutenir efficacement le financement de l\u2019\u00e9conomie europ\u00e9enne<\/strong>. Cette approche offrirait une r\u00e9ponse adapt\u00e9e \u00e0 la conjoncture tout en pr\u00e9servant la stabilit\u00e9 du secteur bancaire \u00e0 long terme.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9tude conclut que, dans le contexte \u00e9conomique de 2025, un all\u00e8gement des exigences en fonds propres bancaires pourrait soutenir efficacement la conjoncture en stimulant l&rsquo;offre de cr\u00e9dit, compl\u00e9mentant ainsi l&rsquo;assouplissement mon\u00e9taire de la Banque Centrale Europ\u00e9enne amorc\u00e9 mi-2024.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur la base de cette analyse, la FBF estime que pour les seules banques fran\u00e7aises, d\u00e9j\u00e0 tr\u00e8s solides, et qui le resteraient, tout en se maintenant \u00e0 un niveau \u00e9gal ou sup\u00e9rieur aux autres zones \u00e9conomiques, <strong>le potentiel serait une capacit\u00e9 de pr\u00eat de 120 Mds \u20ac suppl\u00e9mentaires (sur la production annuelle), jusqu\u2019\u00e0 un encours additionnel de pr\u00e8s de 1 200 Mds \u20ac au bout de dix ans.<\/strong> (<a href=\"https:\/\/fbf.fr\/fr\/communique_de_presse\/publication-dune-analyse-economique-et-evenement-a-bruxelles-la-souverainete-financiere-europeenne-au-coeur-des-demandes-de-la-fbf\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lire le communiqu\u00e9 de presse<\/a>)<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Exigences en fonds propres pour les banques europ\u00e9ennes en 2025 : une analyse \u00e9conomique \u00e0 partir de la litt\u00e9rature acad\u00e9mique (PDF)<\/p><p class=\"postAttachment__fileSize\">2,1 Mo<\/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;Exigences en fonds propres pour les banques europ\u00e9ennes en 2025 : une analyse \u00e9conomique \u00e0 partir de la litt\u00e9rature acad\u00e9mique (PDF)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Exigences en fonds propres pour les banques europ\u00e9ennes en 2025 : une analyse \u00e9conomique \u00e0 partir de la litt\u00e9rature acad\u00e9mique (PDF)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/03\/Note-FGonand-FBF-fonds-propres-bancaires-2025-VF-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Exigences en fonds propres pour les banques europ\u00e9ennes en 2025 : une analyse \u00e9conomique \u00e0 partir de la litt\u00e9rature acad\u00e9mique (PDF)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00c0 l\u2019occasion d\u2019une conf\u00e9rence organis\u00e9e \u00e0 Bruxelles par la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) le 19 mars dernier, Fr\u00e9d\u00e9ric Gonand, professeur d\u2019\u00e9conomie \u00e0 l\u2019Universit\u00e9 Paris Dauphine-PSL, a pr\u00e9sent\u00e9 les conclusions de son analyse \u00e9conomique sur les exigences en fonds propres pour les banques europ\u00e9ennes, en s&rsquo;appuyant sur la litt\u00e9rature acad\u00e9mique. Parmi les points cl\u00e9s de cette [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":36864,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":6032,"viewed_at":"1778494703"},"categories":[1585,3389,3350,3349,3320,3352,3348,1586,1582,3436],"tags":[3276,3274,3278,3272],"class_list":["post-36854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-autres-enquetes-et-etudes","category-credits","category-entreprises-et-pme","category-rubrique-etudes-et-chiffres-cles","category-europe-et-international","category-industrie-bancaire-francaise","category-la-federation-bancaire-francaise","category-rubrique-newsroom","category-priorites-europeennes","tag-credits","tag-entreprises-et-pme","tag-europe-et-international","tag-industrie-bancaire-francaise"],"yoast_head":"<title>Une analyse \u00e9conomique pour un meilleur financement de l\u2019\u00e9conomie - 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