{"id":29241,"date":"2011-02-14T11:22:00","date_gmt":"2011-02-14T11:22:00","guid":{"rendered":""},"modified":"2020-09-25T09:54:22","modified_gmt":"2020-09-25T09:54:22","slug":"sistemul-bancar-in-franta-2","status":"publish","type":"post","link":"https:\/\/rubyskynews.com\/index.php\/2011\/02\/14\/sistemul-bancar-in-franta-2\/","title":{"rendered":"Sistemul bancar \u00een Fran\u0163a."},"content":{"rendered":"
<\/div>
\n\u00cen mod uzual b\u0103ncile sunt desemnate prin sintagma \u201ebanque AFB\u201d (b\u0103nci care au aderat la Asocia\u0163ia Francez\u0103 a Banilor) pentru ale distinge de b\u0103ncile mutualiste sau cooperatiste \u015fi de ansamblul institu\u0163iilor bancare.<\/span><\/div>\n
\nStructurile bancare franceze actuale sunt rezultatul unor procese economice: concentrarea, dezvoltarea interna\u0163ional\u0103 \u015fi specializare. Ca rezultat al concentr\u0103rii principalelor 8 grup\u0103ri bancare la sf\u00e2r\u015fitul anului 1992 erau urm\u0103toarele:<\/span><\/div>\n
\nBanque Nationale de Paris (B.N.P.)<\/span><\/div>\n
\nCredit Lyonnais (C.L.)<\/span><\/div>\n
\nSociete Generale<\/span><\/div>\n
\nCredit Industriel et Commercial (C.I.C)<\/span><\/div>\n
\nCredit Commercial de France (C.C.F.)<\/span><\/div>\n
\nCredit dy Nord<\/span><\/div>\n
\nParibas<\/span><\/div>\n
\nIndosuez<\/span><\/div>\n
\n\u00cen ultima perioad\u0103 tendin\u0163a de concentrare se extinde la ansamblul activit\u0103\u0163ilor financiare. Acest fenomen de apropiere \u015fi \u00eentrep\u0103trunderea capitalurilor \u015fi a activit\u0103\u0163ilor se manifest\u0103 cel mai evident \u00eentre b\u0103ncile \u015fi societ\u0103\u0163ile de asigur\u0103ri (assurance banks).<\/span><\/div>\n
\n\u00cen ceea ce prive\u015fte dezvoltarea interna\u0163ional\u0103 a b\u0103ncilor franceze au reu\u015fit performan\u0163a de a ocupa locul al doilea pe plan mondial, dup\u0103 b\u0103ncile americane \u015fi \u00eenaintea b\u0103ncilor britanice, japoneze \u015fi germane fiind prezente \u00een peste 1000 de ora\u015fe din 124 de \u0163\u0103ri.<\/span><\/div>\n
\nConcomitent numeroase b\u0103nci str\u0103ine s-au instalat \u00een Fran\u0163a (num\u0103rul lor la sf\u00e2r\u015fitul anului 1933 era de 179).<\/span><\/div>\n
\nO important\u0103 concluzie este c\u0103 exist\u0103 o diferen\u0163\u0103 a sistemului bancar francez fa\u0163\u0103 de \u0163\u0103rile studiate anterior.<\/span><\/div>\n
\nDiferen\u0163a dup\u0103 p\u0103rerea lui Claude Simion const\u0103 \u00een faptul c\u0103 Fran\u0163a este o \u0163ar\u0103 latin\u0103, adic\u0103 a dreptului scris de unde decurg urm\u0103toarele consecin\u0163e:<\/span><\/div>\n
\n– Evolu\u0163ia sistemului bancar este determinat\u0103 mai ales de legile care guverneaz\u0103 tutela b\u0103ncilor, adic\u0103 raporturile b\u0103nci-stat.<\/span><\/div>\n
\n– Raporturile dintre b\u0103nci \u015fi economie se realizeaz\u0103, \u00een principal, pe bazele dreptului comercial scris, ceea ce determin\u0103, partea b\u0103ncilor o atitudine \u015fi o func\u0163ionare cu caracter mai mult juridic \u015fi administrativ dec\u00e2t economic \u015fi financiar.<\/span><\/div>\n
\nCelelalte institu\u0163ii de credit \u00een Fran\u0163a sunt:<\/span><\/div>\n
\n– B\u0103ncile mutualiste sau cooperatiste care se compun din trei mari grupe:<\/span><\/div>\n
\n1.                  <\/span><\/span>b\u0103ncile populare<\/span><\/div>\n
\n2.                  <\/span><\/span>creditul mutual<\/span><\/div>\n
\n3.                  <\/span><\/span>creditul agricol.<\/span><\/div>\n
\nAceste b\u0103nci au beneficiat de certe privilegii, cum ar fi scutirea la plata impozitului pe profit sau posibilitatea de a oferi librete a c\u0103ror dob\u00e2nd\u0103 nu este impozabil\u0103 (libretul albastru al creditului mutual). Ele sunt \u00een curs de dispozi\u0163ie (politica de banalizare) sub presiunea b\u0103ncilor AFB.<\/span><\/div>\n
\n– Alte institu\u0163ii de credit aici se \u00eencadreaz\u0103 institu\u0163iile care pot ca \u015fi b\u0103ncile s\u0103 distribuie credite, dar nu pot colecta depozite pe termen scurt.<\/span><\/div>\n
\n\u00cen aceast\u0103 categorie sunt \u00eencadrate \u015fi filiale ale b\u0103ncilor de depozit<\/span><\/div>\n
\nSLIBAIL \u2013 filiale Credit Lyonnais<\/span><\/div>\n
\nNATIOBAIL \u2013 filiale B.N.P.<\/span><\/div>\n
\nSOGEBAIL \u2013 filiale Societe Generale<\/span><\/div>\n
\n– Alte institu\u0163ii financiare (A.I.F.)<\/span><\/div>\n
\nPrincipalele A.I.F. sunt institu\u0163ii parapublice sau societ\u0103\u0163i de investi\u0163ii cu capital variabil. Ele se finan\u0163eaz\u0103 prin emisiuni obligatorii cu excep\u0163ia SICAV care nu sunt dec\u00e2t un ecran \u00eentre cei ce economisesc \u015fi bursa de valori sau pia\u0163a monetar\u0103.<\/span><\/div>\n
\n\u00cen loc de concluzie, putem spune s\u0103 spunem c\u0103 diviziunea func\u0163ional\u0103 din 1945 (b\u0103nci de depozit \u015fi b\u0103nci de afaceri) atenuat\u0103 \u00een anii 1966-1967, este deci suprimat\u0103.<\/span><\/div>\n
<\/div>","protected":false},"excerpt":{"rendered":"

\u00cen mod uzual b\u0103ncile sunt desemnate prin sintagma \u201ebanque AFB\u201d (b\u0103nci care au aderat la Asocia\u0163ia Francez\u0103 a Banilor) pentru ale distinge de b\u0103ncile mutualiste sau cooperatiste \u015fi de ansamblul institu\u0163iilor bancare. Structurile bancare franceze actuale sunt rezultatul unor procese economice: concentrarea, dezvoltarea interna\u0163ional\u0103 \u015fi specializare. Ca rezultat al concentr\u0103rii principalelor 8 grup\u0103ri bancare la […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"aioseo_notices":[],"yoast_head":"\nSistemul bancar \u00een Fran\u0163a. - Jobs\/ Internships\/ Scholarships\/<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rubyskynews.com\/index.php\/2011\/02\/14\/sistemul-bancar-in-franta-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sistemul bancar \u00een Fran\u0163a. - Jobs\/ Internships\/ Scholarships\/\" \/>\n<meta property=\"og:description\" content=\"\u00cen mod uzual b\u0103ncile sunt desemnate prin sintagma \u201ebanque AFB\u201d (b\u0103nci care au aderat la Asocia\u0163ia Francez\u0103 a Banilor) pentru ale distinge de b\u0103ncile mutualiste sau cooperatiste \u015fi de ansamblul institu\u0163iilor bancare. Structurile bancare franceze actuale sunt rezultatul unor procese economice: concentrarea, dezvoltarea interna\u0163ional\u0103 \u015fi specializare. 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