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Small and medium-sized enterprises are a centrepiece of Europe's economy. Due to their limited size and their generally lower creditworthiness, their access to financial market instruments is more limited than for large enterprises, which benefit from more elaborate Treasury operations,...
Persistent link: https://www.econbiz.de/10011705468
Malgré un contexte économique toujours difficile, le total des crédits accordés aux professionnels de l’immobilier par les principales banques françaises, tel qu’il ressort de l’enquête annuelle du Secrétariat général de l’Autorité de Contrôle prudentiel et de Résolution...
Persistent link: https://www.econbiz.de/10010939333
The French housing market showed some recovery in 2013 amid furthermoderate price falls in the Paris area, Île de France and the rest of the country,at -1.5%, -1.6% and -1.4% respectively, and as interest rates stabilised athistorically low levels. The volume of transactions for existing homes,...
Persistent link: https://www.econbiz.de/10010928890
- Contrairement au marché américain, le marché de la titrisation européenne ne s’est pas totalement effondré avec la crise financière de 2008, même s’il a connu depuis une certaine atonie. La plus grande attention désormais apportée à la qualité des actifs sous-jacents a permis un...
Persistent link: https://www.econbiz.de/10010928891
In a context of declining housing sales and decreasing prices, the annual survey on housing finance carried out by the Autorité de Contrôle prudentiel et de Résolution (ACPR) recorded a 27.6% decrease in loans extended in 2012. Outstanding loans experienced their lowest annual growth since...
Persistent link: https://www.econbiz.de/10010929736
In a still depressed global economic environment, the main French banks significantly reduced their production to the commercial property sector in 2012 (-13.3%).1 This decrease is similar to the one observed between 2008 and 2009 (-13.2%) and mainly stems from two components: on the one hand,...
Persistent link: https://www.econbiz.de/10010929738
La structure du patrimoine financier des ménages français et son évolution sont des éléments importants dans l’appréciation de la situation des banques et des assurances. Cette structure évolue peu depuis 2011 ; à fin juin 2013, les placements des ménages sont composés...
Persistent link: https://www.econbiz.de/10010929739
Les banques françaises ont évolué en 2013 dans un environnement qui a globalement marqué des signes d’apaisement, notamment sur le front des dettes souveraines des pays sous stress de la zone euro. Pour autant, du fait de la poursuite des plans de redressement des comptes publics dans...
Persistent link: https://www.econbiz.de/10010929742
The SRISK measure is advertised as measuring the recapitalization needed by a financial institution in the event of a financial crisis. It is computed from the estimated reaction of the institution’s share price in the event of a sharp drop in market prices. This indicator relies both on an...
Persistent link: https://www.econbiz.de/10010929760
This study provides responses to the question of the effectiveness of Loan-To-Value (LTV) and Debt Service-To-Income (DSTI) caps to contribute to financial stability. Using a lender’s risk management perspective, the paper provides a new methodology extending the standard asymptotic single...
Persistent link: https://www.econbiz.de/10010929761