{"id":7862,"date":"2019-05-10T10:00:00","date_gmt":"2019-05-10T08:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2019\/05\/10\/mediation-du-credit-2-3-des-demandes-aboutissent\/"},"modified":"2019-06-25T12:02:10","modified_gmt":"2019-06-25T10:02:10","slug":"mediation-du-credit-2-3-des-demandes-aboutissent","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2019\/05\/10\/mediation-du-credit-2-3-des-demandes-aboutissent\/","title":{"rendered":"M\u00e9diation du cr\u00e9dit\u00a0: 2\/3\u00a0des demandes aboutissent"},"content":{"rendered":"<p>Gratuit, rapide et confidentiel, le dispositif de la m\u00e9diation du cr\u00e9dit peut \u00eatre sollicit\u00e9 par toute entreprise qui rencontre des difficult\u00e9s de financement bancaire ou d\u2019assurance-cr\u00e9dit. On y recourt via <a href=\"https:\/\/mediateur-credit.banque-france.fr\" target=\"_blank\" class=\"target-blank\" rel=\"noopener noreferrer\">son site Internet<\/a>, qui conduit ensuite \u00e0 un traitement au niveau de chaque d\u00e9partement par l\u2019un des 105\u00a0m\u00e9diateurs, \u00e9galement directeurs de la Banque de France (ou des instituts d\u2019\u00e9mission en Outre-Mer).<\/p>\n<p>Selon son bilan d\u2019activit\u00e9\u00a02008-2018 r\u00e9cemment publi\u00e9, la M\u00e9diation du cr\u00e9dit a ainsi permis, depuis sa mise en place en\u00a02008, de maintenir dans leur activit\u00e9 plus de 23\u00a0000\u00a0entreprises et de sauvegarder pr\u00e8s de 415\u00a0000\u00a0emplois. Pas moins de 6,8\u00a0milliards d\u2019euros de cr\u00e9dit ont ainsi \u00e9t\u00e9 d\u00e9bloqu\u00e9s en collaboration avec les banques, pour pallier, dans 70\u00a0% des cas, des probl\u00e8mes de suppression de lignes de financement, principalement de court terme, ou de refus de cr\u00e9dit.<\/p>\n<p>En\u00a02018, plus de 2\u00a0000\u00a0entreprises ont fait appel aux services de la M\u00e9diation. Sachant que 80\u00a0% des dossiers ont concern\u00e9 des TPE, du fait de leur plus grande fragilit\u00e9 financi\u00e8re et d\u2019un acc\u00e8s moins facile au cr\u00e9dit que les PME. En termes d\u2019encourt de cr\u00e9dit, 60\u00a0% des dossiers ont port\u00e9 sur des montants inf\u00e9rieurs \u00e0 50\u00a0000\u00a0\u20ac et 90\u00a0% n\u2019ont pas d\u00e9pass\u00e9 300\u00a0000\u00a0\u20ac. La M\u00e9diation rel\u00e8ve \u00e9galement que 40\u00a0% des demandes ont \u00e9man\u00e9 du secteur des services, suivi par le commerce (25\u00a0%), la construction (15\u00a0%) et l\u2019industrie (14\u00a0%).<\/p>\n<p><cite class=\"reference\"><a href=\"https:\/\/www.banque-france.fr\/communique-de-presse\/la-mediation-du-credit-aux-entreprises-2008-2018-dix-ans-au-service-de-leconomie-de-lemploi-et-des\" class=\"target-blank\"><br \/>\n               Banque de France, communiqu\u00e9 du 11\u00a0avril\u00a02019<br \/>\n            <\/a><\/cite><\/p>\n<p>Les Echos Publishing 2019<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans son dernier bilan pour l\u2019ann\u00e9e\u00a02018, la m\u00e9diation du cr\u00e9dit aux entreprises affiche un taux de m\u00e9diations r\u00e9ussies de 65\u00a0%.<\/p>\n","protected":false},"author":5,"featured_media":7863,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"yes","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[29,32],"class_list":["post-7862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","tag-agriculture","tag-entrepreneurs","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/7862"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=7862"}],"version-history":[{"count":1,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/7862\/revisions"}],"predecessor-version":[{"id":7894,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/7862\/revisions\/7894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/7863"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=7862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=7862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=7862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}