Question 14036 — banks and financial institutions

Summary

Mr. Stéphane Travert draws the attention of the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to the adaptation of the regulatory framework applicable to the banking sector in order to strengthen the financing of the economy and financial sovereignty. In a context marked by the increased search for economic sovereignty, French banking establishments play a central role in financing companies, ensuring nearly 90% of investment needs through credit. This model, characterized by relatively favorable access to credit and competitive rates, constitutes an asset for the national economy. However, players in the sector emphasize that current regulatory constraints, particularly in terms of equity, would limit their ability to fully mobilize their resources for the financing of businesses. According to certain estimates, a targeted adaptation of the prudential framework could make it possible to free up significant additional financing capacities. Furthermore, in an international environment marked by increased competition, particularly from non-European players subject to different rules, the question of the competitiveness of the European banking sector arises acutely. In this context, it would like to know what changes to the regulatory framework the Government is considering in order to strengthen the financing capacity of French banks, while guaranteeing financial stability, how it intends to improve the visibility and anticipation of regulatory trajectories for banking establishments and what are its orientations concerning the digital euro project, particularly with regard to the issues of sovereignty, payment security and anti-money laundering.

Machine translation from French. The official text remains authoritative.

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