{"id":36870,"date":"2025-03-25T18:00:58","date_gmt":"2025-03-25T16:00:58","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=36870"},"modified":"2025-03-25T18:00:59","modified_gmt":"2025-03-25T16:00:59","slug":"pge-5-ans-apres","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/pge-5-ans-apres\/","title":{"rendered":"PGE, 5 ans apr\u00e8s"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Lanc\u00e9 le 25 mars 2020 pour soutenir la tr\u00e9sorerie des entreprises face \u00e0 la crise du coronavirus\u00a0et au confinement, le Pr\u00eat\u00a0garanti par l\u2019\u00c9tat\u00a0(PGE)\u00a0a \u00e9t\u00e9 mis en place gr\u00e2ce \u00e0 la mobilisation in\u00e9dite des pouvoirs publics et des banques fran\u00e7aises. Selon la taille de l&rsquo;entreprise, la garantie de l\u2019\u00c9tat\u00a0portait sur\u00a070 \u00e0 90 % du\u00a0montant du\u00a0\u00a0PGE. Des conditions tr\u00e8s favorables de remboursement y \u00e9taient associ\u00e9es, dans un contexte d\u2019incertitude exceptionnelle\u00a0: dur\u00e9e de six ans, premi\u00e8re ann\u00e9e de diff\u00e9r\u00e9&#8230; Cinq ans apr\u00e8s, o\u00f9 en est-on\u00a0?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qui a \u00e9t\u00e9 r\u00e9alis\u00e9 il y a cinq ans est sans comparaison. En quelques semaines, pr\u00e8s de 100 milliards d\u2019euros de PGE&nbsp;ont&nbsp;\u00e9t\u00e9 engag\u00e9s par les banques aupr\u00e8s de plusieurs centaines de milliers d\u2019entreprises. L\u2019Autorit\u00e9 bancaire europ\u00e9enne a constat\u00e9 que la France a \u00e9t\u00e9 le pays o\u00f9 les banques ont le plus massivement soutenu l\u2019activit\u00e9 \u00e9conomique avec, en plus des PGE, des reports g\u00e9n\u00e9ralis\u00e9s d\u2019\u00e9ch\u00e9ances de pr\u00eats qui ont repr\u00e9sent\u00e9 254 milliards d\u2019euros d\u2019encours \u00e0 fin juin 2020.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tout au long de cette ann\u00e9e 2020 et dans les\u00a0mois\u00a0qui ont suivi, le cadre du PGE a \u00e9t\u00e9 adapt\u00e9 aux besoins des entreprises, que ce soit pour la distribution (pour le secteur touristique notamment) ou pour les\u00a0modalit\u00e9s de\u00a0remboursement. Des formules plus cibl\u00e9es ont notamment \u00e9t\u00e9 mises en place pour tirer les cons\u00e9quences de l\u2019invasion de l\u2019Ukraine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au total, les banques fran\u00e7aises ont&nbsp;accord\u00e9&nbsp;144 milliards \u20ac de Pr\u00eats garantis par l\u2019Etat, \u00e0 plus de 680 000 entreprises de toutes tailles (plus de 80% \u00e9tant des TPE).<br>Aujourd\u2019hui, l\u2019encours des PGE restant \u00e0 rembourser (32 Mds\u20ac) repr\u00e9sente 2% du total des cr\u00e9dits aux entreprises et 3,4% de l\u2019encours des cr\u00e9dits aux TPE\/PME et ETI.<br>Le remboursement des PGE est conforme aux pr\u00e9visions et se poursuit sans soulever de difficult\u00e9s notables pour l&rsquo;immense majorit\u00e9 des entreprises : chaque mois 1,5 \u00e0 2 Mds\u20ac sont rembours\u00e9s. &nbsp;Ainsi,&nbsp;\u00e0 fin d\u00e9cembre 2024, pr\u00e8s de 100 Mds\u20ac de PGE&nbsp;sont d\u00e9j\u00e0&nbsp;rembours\u00e9s (soit plus de 76% du montant total&nbsp;;&nbsp;la garantie de l\u2019\u00c9tat n\u2019a \u00e9t\u00e9 appel\u00e9e que pour moins de 4% du montant total des PGE distribu\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La proportion de TPE\/PME qui a des probl\u00e8mes\u00a0importants\u00a0de remboursement de ses dettes \u2013\u00a0que ce soit le PGE ou d\u2019autres cr\u00e9dits\u00a0&#8211; est globalement stable\u202f: 4% des dirigeants encore en phase de remboursement, disent craindre de ne pas pouvoir rembourser le PGE souscrit selon BPI (\u00e0 un niveau\u00a0stable\u00a0depuis\u00a02021). Pour\u00a0les entreprises constatant\u00a0des difficult\u00e9s, un dispositif simplifi\u00e9 et original permet depuis janvier 2022 la restructuration des Pr\u00eats garantis par l\u2019Etat, avec un allongement de la dur\u00e9e \u00e0 8 voire 10 ans\u202f: un\u00a0<a href=\"https:\/\/fbf.fr\/fr\/mediation-du-credit-aux-entreprises-accord-de-place\/\" target=\"_blank\" rel=\"noreferrer noopener\">accord de place dans le cadre de la M\u00e9diation du cr\u00e9dit aux entreprises<\/a>\u00a0a \u00e9t\u00e9 sign\u00e9\u00a0jusqu\u2019\u00e0 fin 2026 entre l\u2019Etat, la Banque de France et les banques. Depuis les d\u00e9buts du dispositif, plus de 800 TPE\/PME, ont ainsi pu r\u00e9\u00e9chelonner le remboursement de leur PGE et r\u00e9am\u00e9nager leurs autres dettes bancaires, avec un taux de succ\u00e8s de 55%. \u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour Maya Atig, Directrice g\u00e9n\u00e9rale de la FBF \u00ab <em>Les moratoires, les pr\u00eats garantis par l&rsquo;Etat, avec les mesures prises par les pouvoirs publics (fonds de solidarit\u00e9, ch\u00f4mage partiel&#8230;) ont permis \u00e0 l&rsquo;\u00e9conomie de traverser les diff\u00e9rentes phases de la crise Covid, et \u00e0 de nombreuses entreprises de pr\u00e9server leur fonctionnement et de rouvrir efficacement. C&rsquo;est une fiert\u00e9 d&rsquo;avoir ainsi contribu\u00e9 \u00e0 la r\u00e9silience de l&rsquo;\u00e9conomie, et de d\u00e9montrer la puissance op\u00e9rationnelle du secteur bancaire au service de ses clients. Notre utilit\u00e9 \u00e0 l&rsquo;\u00e9conomie s&rsquo;illustre notamment dans ces moments cruciaux.<\/em> \u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lanc\u00e9 le 25 mars 2020 pour soutenir la tr\u00e9sorerie des entreprises face \u00e0 la crise du coronavirus\u00a0et au confinement, le Pr\u00eat\u00a0garanti par l\u2019\u00c9tat\u00a0(PGE)\u00a0a \u00e9t\u00e9 mis en place gr\u00e2ce \u00e0 la mobilisation in\u00e9dite des pouvoirs publics et des banques fran\u00e7aises. Selon la taille de l&rsquo;entreprise, la garantie de l\u2019\u00c9tat\u00a0portait sur\u00a070 \u00e0 90 % du\u00a0montant du\u00a0\u00a0PGE. Des [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":36882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":25121,"viewed_at":"1778494704"},"categories":[1585,3397,3347,3350,3349,3320,3348,3321,1582],"tags":[],"class_list":["post-36870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-chiffres-cles","category-covid-19","category-credits","category-entreprises-et-pme","category-rubrique-etudes-et-chiffres-cles","category-industrie-bancaire-francaise","category-mots-cles","category-rubrique-newsroom"],"yoast_head":"<title>PGE, 5 ans apr\u00e8s - Actualit\u00e9s - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"Lanc\u00e9 le 25 mars 2020 comme un dispositif exceptionnel pour soutenir la tr\u00e9sorerie des entreprises face \u00e0 la crise du coronavirus, le Pr\u00eat garanti par l\u2019\u00c9tat (PGE) a \u00e9t\u00e9 mis en place gr\u00e2ce \u00e0 la mobilisation in\u00e9dite des pouvoirs publics et des banques fran\u00e7aises.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/fr\/pge-5-ans-apres\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PGE, 5 ans apr\u00e8s - 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