{"id":6093,"date":"2021-07-20T10:15:58","date_gmt":"2021-07-20T08:15:58","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=6093"},"modified":"2022-08-30T11:32:27","modified_gmt":"2022-08-30T09:32:27","slug":"le-pret-garanti-par-letat-genese-et-modalites","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/credit\/le-pret-garanti-par-letat-genese-et-modalites\/","title":{"rendered":"Le pr\u00eat garanti par l\u2019Etat : gen\u00e8se et modalit\u00e9s"},"content":{"rendered":"

The secured loans<\/strong> by l\u2019Etat<\/strong> or PGE<\/strong> permettent aux companies<\/strong> de mieux encaisser<\/strong> the choc \u00e9conomique<\/strong> engendr\u00e9 par la crisis<\/strong> due au Covid-19.<\/strong> L\u2019un des dispositifs embl\u00e9matiques<\/strong> du \u00ab\u00a0quoi qu\u2019il en co\u00fbte\u00a0\u00bb a b\u00e9n\u00e9fici\u00e9, au 9 avril\u00a02021, selon la F\u00e9d\u00e9ration bancaire fran\u00e7aise,<\/strong> has 675\u00a0000 entreprises et a co\u00fbt\u00e9 135 milliards d\u2019euros aux finances publiques.<\/strong><\/p>\n

<\/p>\n

Le PGE, une des mesures-phares en soutien aux entreprises<\/h2>\n

Emmanuel Macron<\/strong> promettait en ce mois de mars 2020 de venir en aide<\/strong> to companies<\/strong> et aux m\u00e9nages fragilis\u00e9s<\/strong> over there crisis<\/strong> due au coronavirus,<\/strong> quitte \u00e0 laisser<\/strong>\u00a0filer<\/strong> the debt<\/strong> and the d\u00e9ficit.<\/strong> Commen\u00e7ait alors la mise en \u0153uvre de la politique<\/strong> du \u00ab\u00a0quoi qu\u2019il en co\u00fbte<\/strong>\u00a0\u00bb. Plusieurs dispositifs \u00e9taient annonc\u00e9s, notamment la prise<\/strong> in charge<\/strong> par l\u2019Etat du co\u00fbt du ch\u00f4mage partiel,<\/strong> the fonds<\/strong> of solidarit\u00e9<\/strong> ou encore le fameux pr\u00eat garanti<\/strong> by the state.<\/strong> Aux grands maux les grands rem\u00e8des\u00a0: la Commission europ\u00e9enne, d\u2019ordinaire tr\u00e8s exigeante en mati\u00e8re de s\u00e9rieux budg\u00e9taire, a valid\u00e9 le PGE le 19 mars\u00a02020<\/a>.<\/p>\n

\"pr\u00eat<\/p>\n

Mais derri\u00e8re la solennit\u00e9<\/strong> of l\u2019allocution<\/strong> of Chef<\/strong>\u00a0of l\u2019Etat,<\/strong> il y a d\u2019abord eu un choc<\/strong> et m\u00eame une crainte<\/strong> parmi les hauts fonctionnaires<\/strong> of Bercy.<\/strong> Le pr\u00e9sident n\u2019avait pr\u00e9venu que ses plus proches conseillers \u00e0 propos de sa d\u00e9cision de s\u2019en remettre<\/strong> to financial markets<\/strong> pour mettre en \u0153uvre ses mesures de soutiens<\/strong> to companies<\/strong> and m\u00e9nages.<\/strong> Les responsables du minist\u00e8re de l\u2019\u00e9conomie et des finances se souviennent pourtant qu\u2019il n\u2019\u00e9tait certain que les march\u00e9s suivent. Pour ces technos qui sont habitu\u00e9s \u00e0 dire non \u00e0 ceux qui sollicitent des cr\u00e9dits suppl\u00e9mentaires, il avait fallu op\u00e9rer un virage id\u00e9ologique<\/strong>\u00a0historique.<\/strong><\/p>\n

The crainte<\/strong> of the hauts fonctionnaires<\/strong> \u00e9tait-elle exag\u00e9r\u00e9e\u00a0? Elle \u00e9tait l\u00e9gitime<\/strong> \u00e0 tout le moins. Mais si la puissance administration<\/strong> of Tr\u00e9sor public<\/strong> a pu trouver les resources<\/strong> n\u00e9cessaires pour mettre en \u0153uvre les mesures d\u2019aide<\/strong> annonc\u00e9es par le pr\u00e9sident, c\u2019est notamment parce que l\u2019Etat<\/strong> continue d\u2019inspire confiance<\/strong> aux yeux des march\u00e9s.<\/strong> Nombreux sont en effet les investors<\/strong> qui voient dans nos bons<\/strong> of Tr\u00e9sor<\/strong> of the moyens<\/strong>\u00a0 fiables<\/strong> for s\u00e9curiser<\/strong> their avoirs,<\/strong> au point to grant<\/strong> of the ready<\/strong> has zero rate<\/strong> ou m\u00eame n\u00e9gatif.<\/strong><\/p>\n

Si les responsables de Bercy y ont beaucoup \u0153uvr\u00e9, les r\u00e9seaux bancaires<\/strong> ont jou\u00e9 un r\u00f4le crucial.<\/strong> Il en est de m\u00eame pour Bpifrance<\/strong> dont la plate-forme, mise sur pied en soixante-douze heures, permet une gestion fluide<\/strong> of m\u00e9canisme.<\/strong><\/p>\n

Un dispositif pour les entreprises\u00a0 de toutes tailles<\/h2>\n

The pr\u00eat garanti<\/strong> by l\u2019Etat<\/strong> s\u2019adresse \u00e0 toutes les entreprises,<\/strong> quel que soit le nombre<\/strong> of salari\u00e9<\/strong> and ind\u00e9pendamment<\/strong> of their forme juridique.<\/strong> Y sont donc \u00e9ligibles<\/strong> aussi bien les companies<\/strong> that commer\u00e7ants<\/strong> or the artisans,<\/strong> mais aussi les exploitants agricoles,<\/strong> the micro-entrepreneurs<\/strong> ou encore les professions lib\u00e9rales.<\/strong> The associations<\/strong> or fondations<\/strong> ayant une activit\u00e9 \u00e9conomique<\/strong> peuvent aussi solliciter<\/strong> this aide<\/strong>. Les soci\u00e9t\u00e9s civiles immobili\u00e8res,<\/strong> en revanche, n\u2019y ont pas droit<\/strong>. Idem pour les companies<\/strong> of funding<\/strong> or the establishments<\/strong> of credit.<\/strong><\/p>\n

The m\u00e9canisme<\/strong> permet donc aux entreprises b\u00e9n\u00e9ficiaires<\/strong> to obtain<\/strong> \u00e0 leur bank<\/strong> habituelle un credit.<\/strong> L\u2019Etat<\/strong> se porte garant<\/strong> of credit<\/strong> has hauteur<\/strong> of 70\u00a0% du montant<\/strong>. La garantie publique s\u2019\u00e9l\u00e8ve \u00e0 90\u00a0% du montant pour les petites et moyennes entreprises.<\/strong><\/p>\n

The amount<\/strong> of PGE<\/strong> peut correspondre jusqu\u2019\u00e0 trois<\/strong> mois<\/strong> of chiffres<\/strong> d\u2019affaires<\/strong> (CA) ou \u00e0 two<\/strong> ans<\/strong> of masse<\/strong> salariale<\/strong> for the entreprises nouvelles<\/strong> or innovantes.<\/strong> Le m\u00e9canisme est \u00e9galement pr\u00e9vu pour permettre<\/strong> to\u00a0companies<\/strong> qui en ont besoin de proc\u00e9der au regroupement<\/strong> of their credits.<\/strong> The amount<\/strong> of cumul<\/strong> de cr\u00e9dits est plafonn\u00e9<\/strong> has 25\u00a0<\/strong>% du CA<\/strong> or two<\/strong> ans de masse salariale<\/strong> for the jeunes pousses<\/strong> or the entreprises innovantes.<\/strong><\/p>\n

Les banques en premi\u00e8re ligne pour la mise en \u0153uvre du PGE<\/h2>\n

D\u2019une certaine mani\u00e8re, il s\u2019agit d\u2019un cr\u00e9dit comme les autres<\/strong> mais dont la singularit\u00e9<\/strong> est que l\u2019Etat<\/strong> couvre 70 \u00e0 90\u00a0% de son montant<\/strong>. Les companies<\/strong> qui y sont \u00e9ligibles<\/strong> s\u2019adressent \u00e0 leur banque habituelle,<\/strong> laquelle est cens\u00e9e examiner<\/strong> chaque case<\/strong> le plus rapidement<\/strong> possible et proposer<\/strong> a ready<\/strong> has prix co\u00fbtant.<\/strong><\/p>\n

La d\u00e9marche pour obtenir le PGE<\/h2>\n

The d\u00e9marche<\/strong> n\u2019est pas la m\u00eame selon la taille de l\u2019entreprise ou le montant de son chiffres d\u2019affaires<\/strong>\u00a0:<\/p>\n

    \n
  • Pour les entreprises de moins de 5\u00a0000 salari\u00e9s<\/strong> et dont le CA est inf\u00e9rieur \u00e0 1.5\u00a0milliard\u00a0d\u2019euros<\/strong><\/li>\n
  • Les entreprises prennent contact avec leur bank<\/strong> habituelle<\/strong> pour leur demander le cr\u00e9dit.<\/li>\n
  • Les banques examinent la situation des demandeurs, prenant en compte notamment les criteria<\/strong> d\u2019\u00e9ligibilit\u00e9<\/strong>, suite \u00e0 quoi elles donnent un pr\u00e9-accord pour le pr\u00eat.<\/li>\n
  • Les demandeurs vont sur la plate-forme d\u00e9di\u00e9e de Bpifrance<\/strong> pour avoir leur identifiant et le communiquer \u00e0 leur banque.<\/li>\n<\/ul>\n

    Toujours sur cette plate-forme, les companies<\/strong> fournissent un certain nombre d\u2019informations<\/strong>, dont son SIREN<\/strong>, le amount<\/strong> of ready<\/strong> souhait\u00e9 ou encore le nom<\/strong> of l\u2019agence<\/strong> bancaire<\/strong>.<\/p>\n

      \n
    • Les banques n\u2019octroient le ready<\/strong> qu\u2019apr\u00e8s confirmation<\/strong> of num\u00e9ro<\/strong> unique<\/strong> by Bpifrance.<\/strong><\/li>\n<\/ul>\n

      For the companies<\/strong> with a CA en dessous de 10 millions d\u2019euros<\/strong>, les banques s\u2019engagent<\/strong> \u00e0 leur accorder le credit<\/strong> au plus tard cinq<\/strong> jours<\/strong> apr\u00e8s r\u00e9ception<\/strong> of their case<\/strong>. A condition<\/strong> toutefois que les companies<\/strong> en question ne soient pas en grande difficult\u00e9 financi\u00e8re<\/strong> et que leur notation<\/strong> aupr\u00e8s de la Bank<\/strong> of France<\/strong> either comprise<\/strong> entre 3++ et 5+.<\/strong><\/p>\n

        \n
      • For the companies<\/strong> de lus de 5000 salari\u00e9s ou dont le CA d\u00e9passe 1.5\u00a0milliard\u00a0d\u2019euros<\/strong><\/li>\n
      • La proc\u00e9dure commence l\u00e0 aussi par une prise de rendez-vous aupr\u00e8s de leur partenaire bancaire habituel, suite \u00e0 quoi ce dernier examine le dossier et octroie un pr\u00e9-accord pour le pr\u00eat.<\/li>\n
      • Les entreprises transmettent leur demande \u00e0 l\u2019adresse suivante : etat.grandesentreprises@bpifrance.fr.<\/li>\n<\/ul>\n

        L\u2019instruction des dossiers est assur\u00e9e conjointement par Bpifrance et la Direction g\u00e9n\u00e9rale du Tr\u00e9sor.<\/p>\n

          \n
        • The garantie accord\u00e9e<\/strong> by l\u2019Etat<\/strong> to grandes<\/strong> entreprises est accord\u00e9e<\/strong> par un stopped<\/strong> of ministre<\/strong> of the economy<\/strong> and finances.<\/strong> Le texte donne alors le feu vert aux banques pour d\u00e9bloquer les fonds.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

          Les pr\u00eats garantis par l\u2019Etat ou PGE permettent aux entreprises de mieux encaisser le choc \u00e9conomique engendr\u00e9 par la crise due au Covid-19. L\u2019un des dispositifs embl\u00e9matiques du \u00ab\u00a0quoi qu\u2019il en co\u00fbte\u00a0\u00bb a b\u00e9n\u00e9fici\u00e9, au 9 avril\u00a02021, selon la F\u00e9d\u00e9ration bancaire fran\u00e7aise, \u00e0 675\u00a0000 entreprises et a co\u00fbt\u00e9 135 milliards d\u2019euros aux finances publiques.<\/p>","protected":false},"author":6,"featured_media":6602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[266],"class_list":["post-6093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-pret-garanti-par-letat"],"acf":[],"yoast_head":"\nQu'est ce que le pr\u00eat garanti par l'Etat et comment l'obtenir ?<\/title>\n<meta name=\"description\" content=\"Tout ce qu'il faut savoir sur le pr\u00eat garanti par l'Etat et sur les m\u00e9thodes afin de l'obtenir selon le type d'entreprise.\" \/>\n<meta name=\"robots\" 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