Total costs would far exceed the benefitsThis market will not dry up any time soonAmbitious targetThe financial dimension is fearHuge productivity gains weighed on pricesSometimes the timing is not to the appointmentNeed to keep some flexibility and stay pragmatic on investment opportunitiesHowever on the first two points Kouchner was very lowThe auto issue is organized in WashingtonPolitics must regain power with the banksHe described the peoples of the region Somali Dankalis OgadinesAriane Obolensky, Executive Director of the French Banking Federation (FBF), in "Les echos" meets the formal notice of the Minister of economy and finance.
Thierry Breton Tuesday asked the banks, through the Advisory Committee of the financial sector (CfSC), to propose more consensual solutions for bank charges, in particular on incidents of payment and the quarterly or annual summary... "If it appeared that these discussions do not result in the next fifteen days, the Act for consumers can be amended to provide for specific arrangements," he warned.
Thierry Breton, Minister of economy, puts you in remains to make an effort on bank charges, otherwise it legislate. That her answer you
For various reasons, some customers use the means of payment available without always ensuring the provision of their account. When payment incidents occur then, banks have processed, which generates costs. We are well aware that their accumulation can lead to difficult situations. In reality, it is good response in a preventive education effort. When unfortunately the incidents occur, banks offer that is organized a maintenance custom to find a solution. It is a pragmatic approach, taking into account the specificity of each case. I see no better proposal.
However, Bercy seems committed to ask for a commitment in the form of partial or total discounts
We support individualized and not a systematic approach to treatment. And I do not see how the public authorities, guarantee the security of the means of payment, might go against a principle enshrined in the Act that issue a cheque is a criminal offence. In the discussions which will continue, we wish to assert the superiority of a personalized approach.
For two years, banks still appear in the trailer applications for consumers and Bercy. Why do you not take the initiative
When one plays the game of cooperation, no one is in the trailer of person! Banks are largely at the origin of the adopted proposals these last months and always actresses of their implementation on the ground.
This is the case of tariff transparency measures that the French were well received, since 60 of them recognize the efforts of the banks in this area. We we're also shown creative offering the range of alternative means of payment for those without checkbooks. We seek to meet the needs expressed by our clients. This is the reason for which we have proposed the summary of fees on a monthly basis, one that serves as a reference to the follow-up of the budget of families. We believe not necessary to go beyond.
In the presidential campaign, certain banking practices are denounced. Don't you be afraid a strengthening of the confidence of consumers in your respect
We do not want to be a hostage or a stake in the election campaign. Our banking industry is an asset for the France, it offers a true proximity service, contributes to the national wealth and jobs massively. Now, if the purchasing power is a subject, I would remind you that the Bank is only 0.6 of the household budget in the Insee index... Prices for banking services are in the average European, for quality of services that meets the French since over 80 have a good opinion of the Bank.
Do you need a reform of the dialogue as it is in force in the Advisory Committee of the financial sector
We are committed to the discussion of the CfSC space, it has been proven. However, it currently goes too far in the definition of measures which should be left to the implementation of each bank. We support the definition of commitments under consensual principles such as transparency, mobility, competition, but too want to decline them, it enters the hyperrégulation. It is always much more efficient to let play competition in order to respect the free choice of clients and companies.
But change bank in France rest still complicated and often expensive...
We have greatly facilitated the mobility: the closing of the account free, creating a guide of mobility, harmonization of terms to facilitate comparisons. Nevertheless, certain costs related to the existence of deferred savings products that induce transfer, complex and costly operations. This is probably a job with the tax administration...
