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Banking and finance news

SMES SMEs: export assistance simplified and extended The French government has announced a series of new measures designed to help companies expand their business abroad.
VSE/SME Despite obstacles, business relocations on the rise in France Business relocations are set to rise sharply in France in 2023, with many SMEs and ETIs deciding to completely overhaul their business model.
VSE/SME The "Osez l'export" (Dare to export) plan to support French companies in their quest for international success The French government has unveiled a brand new plan to support French companies in their quest for international success.
VSE/SME Declining access to credit for VSEs: SDI proposes 3 solutions to reverse the situation Households are not the only ones having difficulty financing their projects. The bank credit acceptance rate for very small businesses has been falling since last year.
Banks Heavily indebted companies: higher capital requirements for banks Banks will have to redo their calculations when lending to highly indebted companies.
VSE/SME VSE/SMEs remain concerned about repayment of their EMPs Despite the easing of repayment conditions for state-guaranteed loans, business leaders fear they may find themselves in financial difficulty.
VSE/SME Bank financing for SMEs slows down According to the banks, SMEs will use less and less bank financing in 2023.
VSE/SME EMP repayment can be spread over 10 years Bruno Le Maire recently confirmed that companies that have taken out a state-guaranteed loan will be able to spread repayment over 10 years.
Individuals Inflation also affects the consumer credit market The health crisis, the war in Ukraine and the ensuing rise in prices have had a significant impact on consumer credit.
VSE/SME PGE: less than 100 billion euros to be repaid by companies Of the 144 billion euros of PGE granted since the beginning of the health crisis, 98 billion euros remain to be repaid by companies.
VSE/SME Banks optimistic about resilient VSE/SME activity Reassured by the resilience of their businesses, banks show a certain optimism despite the fears of VSEs and SMEs for 2023.
Banks Which banking professions have been boosted by the crisis? The energy crisis, the war in Ukraine and inflation are creating new needs among bank customers, and boosting certain business lines.
Banks PGE Résilience could be extended by a year The state-guaranteed Resilience loan, designed to help businesses impacted by the war in Ukraine, could be extended until December 31, 2023.
Banks United Kingdom: mortgage rates exceed 6%. Government announcements have caused panic in the UK mortgage market.
VSE/SME How to optimize cash flow with VAT credit? In principle, a company can deduct the VAT it has paid to its suppliers.
Individuals The dangers of split payments In the face of inflation, individuals are increasingly resorting to fractional payments, a practice that carries risks.
VSE/SME Financing: companies penalized by rising interest rates In its latest annual report, the French High Council for Financial Stability (HCSF) points to a tightening of financing conditions for businesses.
Professionals Real estate market tense up All players in the sector have observed a rise in mortgage rates since the beginning of the year, which is not without consequences.
Banks The usury rate weighs on consumer credit The usury rate is being criticized not only by mortgage professionals, but also by consumer credit specialists.
VSE/SME Companies facing difficulties in repaying their PGE Against a backdrop of rising energy prices and supply tensions, many companies are finding it difficult to repay their PGE.
VSE/SME Businesses: PGE Resilience extended to the end of the year Set up to support companies economically affected by the war in Ukraine, the new state-guaranteed loan (PGE) has been extended until December 31, 2022.
VSE/SME Repayment of state-guaranteed loans: VSEs in difficulty To cope with the economic shock caused by the Covid-19 crisis, the government set up an exceptional aid scheme in 2020: state-guaranteed loans...
SMALL BUSINESSES B2B: fractional payments target the corporate market Fractional payment players, after focusing primarily on the consumer market, are now setting their sights on the corporate market.
Banks ECB: towards a probable 75 basis point rate hike The likelihood of an ECB rate hike of 75 basis points as early as September 8 is growing.
Banks Banks: back-to-school hot topics The back-to-school season promises to be a busy one for banks, who face a number of challenges in a turbulent environment.
Individuals Bercy calls on banks to curb interest rate rises The French Ministry of the Economy and Finance has asked banks to curb the rise in mortgage interest rates.
Banks French banks hit by Italian political crisis Moody's has placed 14 major Italian banks, including two subsidiaries of French banks, on negative outlook.
Individuals Real estate: the French take advantage of still favorable lending conditions The French are reacting to the tightening of borrowing conditions, and many are keen to take advantage of the still favorable environment.
Banks Consumer credit in full swing Since the beginning of the year, the French have turned to consumer credit on a massive scale.
Individuals Stricter conditions for access to mortgages Lending rates have been on the rise for several months now, making it more difficult for low-income borrowers to obtain a mortgage.
Banks PGE: the Cour des Comptes' mixed assessment The Cour des Comptes (French Audit Office) has issued a generally positive assessment of state-guaranteed loans, which have not been marketed since June 30.
Start-ups Startups fall for revenue-based financing To optimize their cash flow, companies have a new alternative to traditional bank credit: revenue-based financing.
Banks Credit risk, a source of concern for banks Faced with an uncertain economic climate and the threat of recession, banks will have to increase their provisions for the risk of non-payment.
Individuals Mortgages: borrowing conditions worsen Faced with rising interest rates and longer processing times, some households are seeing their borrowing conditions deteriorate.
Banks LBO loans pit the financial sector against the ECB LBO loans, or leveraged buyouts, have been under fire for months from the European Central Bank, which says they are too risky.
Banks Credit: the usury rate poses a problem for local authorities Some local authorities have recently had their loan applications rejected because of the usury rate set by the Banque de France.
Banks Apple launches Apple Pay Later, a fractional payment solution The Cupertino-based firm has announced the launch of its fractional payment service, Apple Pay Later, enabling customers to pay for purchases in 4 instalments.
Banks Russia moves ever closer to default Unable to pay interest on its dollar-denominated debt due to US sanctions, Russia is close to default.
Banks Finance and energy transition: the ECB warns of the risk of greenwashing In its Financial Stability Report, the European Central Bank warns that the risk of greenwashing remains a major concern.
VSE/SME 5 markers of the transformation of the corporate debt market The corporate debt market is in a state of upheaval, driven by inflation, rising interest rates and the withdrawal of the ECB.
Banks United Kingdom: colossal fraud involving government-backed loans State-guaranteed loans to British companies during the health crisis were the subject of massive fraud.
Individuals The rise of fractional payments for food shopping In some countries, fractional payment operators now offer the option of paying for groceries in several monthly instalments.
VSE/SME Corporate and household debt worries supervisors The Bank for International Settlements is concerned about corporate and household debt, seeing it as a threat to the financial system.
Banks Russian companies: payment defaults on the increase As a result of the financial sanctions imposed by Europe and its allies, Russian companies are increasingly defaulting on their payments.
Banks NGOs accuse banks of signing a blank check to TotalEnergies Several environmental NGOs are denouncing a general loan granted by 12 banks, including 3 French banks, to TotalEnergies.
Banks LCL enters the instant mini-credit market LCL has entered the instant mini-credit market with a loan offer from 200 to 2000 euros, repayable in 3 months.
VSE/SME PayPal now offers loans to French VSEs and SMEs PayPal is launching a Revenue-Based Financing offer in France, i.e. loans based on the sales generated by very small businesses on its platform.
Banks Mortgage rates: how banks argue against rising rates After years of low rates, banks need to find new arguments to convince their customers to invest in property.
VSE/SME Russian banker: European companies in trouble Manufacturers have taken out nearly $22 billion in credit with Russian lenders, according to Bloomberg.
Banks Germany: Volkswagen Financial Services more profitable than banks In Germany, the profitability of banks has been overtaken by that of the carmakers' financial branches.
VSE/SME Revenue-based financing: loans based on company revenues The European payments giant is making its mark on the banking market with the launch of a dedicated financing service for small businesses.
Banks Mortgages: the end of very low interest rates Interest rates on mortgages, which have long been at historically low levels, have been rising steadily since January. Analysis.
Individuals Instant micro-credit players called to order In a press release, the French financial watchdog has called to order instant micro-credit startups attempting to take advantage of regulatory loopholes.
Banks Fractional payments: Banque Postale changes tactics Less than a year after announcing its partnership with fintech Alma, Banque Postale changes strategy and turns to Pledg.
Professionals Olympic Games: how do banks support athletes? From sponsorship to financial education, banks - and Groupe BPCE in particular - are doing their utmost to support top-level athletes.
Banks Towards the inclusion of gas and nuclear power in the European taxonomy On February 2, the European Commission presented its draft delegated act concerning the European Union's green taxonomy.
Individuals New measures to help sick people access housing Members of parliament, meeting in a joint committee, have agreed on two measures to help sick people access housing.
VSE/SME Companies in difficulty will be able to repay their PGE over 10 years Companies experiencing difficulties in repaying their PGEs will be able to request that their monthly payments be spread over a 10-year period.
Banks Crédit Agricole expands its activities in Spain Crédit Agricole Consumer Finance (CACF) is stepping up its presence in the Spanish market by launching its Sofinco brand and investing in its local consumer finance entity.
Banks United Kingdom: controversy over the amount of loan fraud in the UK In the UK, the recent resignation of the Secretary of State for Fraud has reignited the controversy surrounding government-backed loans.
SMALL BUSINESSES Some companies pledge their stock as collateral for financing Still relatively undeveloped in France, the stock pledge market, which enables companies to pledge their stock as collateral, could take off.
Professionals Ensuring that a bank or insurance intermediary is authorized Before taking out a loan, insurance contract or financial product, you need to check that the intermediary offering it is authorized to operate.
VSE/SME Increase in disputes linked to supply difficulties Faced with supply difficulties, companies are having to deal with an increase in disputes linked to shortages.
Banks Home loan rates: a respite before a rise in 2022? While mortgage rates appear to have stabilized in December, brokers fear significant increases in 2022. We take a closer look.
Banks Bad debts: ECB asks banks to improve provisions The European Central Bank has asked banks in the eurozone to better cover certain bad debts in order to avoid sanctions.
Individuals Consumer credit: fractional payments on the rise Although not subject to consumer credit rules, fractional payments are booming in France.
Banks The hegemony of Visa and Mastercard increasingly under threat The global dominance of American payment giants Visa and Mastercard is increasingly under attack.
Banks Carbon credit regulation at the heart of COP26 Carbon credits, criticized by some environmentalists, also represent a promising market, attracting many companies.
Individuals Mission report warns against fractional payments In a report submitted to the government on October 19, French MP Philippe Chassaing calls for better supervision of fractional payments.
VSE/SME PGE: 0.6% of beneficiaries have defaulted Only 3,944 of the 650,836 companies with an EMP are currently the subject of legal proceedings for non-payment. Insights.
Individuals Consumer credit: features and procedures Need a consumer credit? Find out about the main features and procedures for this type of financing. Everything you need to know.
VSE/SME Guaranteed loans: some companies may find it difficult to repay Despite the improvement in their financial situation, a number of companies may find it difficult to repay their EMPs. Here's how.
Individuals At-home employment: real-time tax credit to come into effect in 2022 Until now, the tax credit for employing an employee in the home has been paid with a one-year time lag, but it will soon be paid in real time. Instructions for use.
Bank Watch Consumer credit registers sharpest decline since 2009 In 2020, the health crisis led to a sharp drop in consumer credit production, to its lowest level since the 2009 financial crisis.
Banking watch Placement agreement renews business credit mediation for 4 years As recently announced by Bruno Le Maire, the agreement on business credit mediation has been renewed for a further 4 years.