{"id":2998,"date":"2024-02-29T11:44:00","date_gmt":"2024-02-29T10:44:00","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=2998"},"modified":"2024-02-27T09:53:16","modified_gmt":"2024-02-27T08:53:16","slug":"lepargne-salariale-face-a-la-crise-economique","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/lepargne-salariale-face-a-la-crise-economique\/","title":{"rendered":"L&#8217;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">La garantie des d\u00e9p\u00f4ts en cas de faillite bancaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En France, il existe un\u00a0<strong>Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution (<a href=\"https:\/\/www.garantiedesdepots.fr\/fr\">FGDR<\/a>)<\/strong>\u00a0qui prot\u00e8ge les titulaires de comptes en cas de d\u00e9faillance de la banque. Toutes les banques \u00e9tablies en France adh\u00e8rent \u00e0 ce fonds. Les avoirs sont couverts jusqu\u2019\u00e0 100 000 \u20ac par personne et par \u00e9tablissement. La garantie des d\u00e9p\u00f4ts r\u00e9sulte de la loi du 25 juin 1999 et s\u2019exerce&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les risques d&#8217;une crise \u00e9conomique durable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans sa chronique de la semaine, l&#8217;\u00e9conomiste Marc Touati pr\u00e9sident de <a href=\"https:\/\/www.acdefi.com\/\">l&#8217;ACDEFI<\/a> pointe les diff\u00e9rents \u00e9l\u00e9ments qui risquent, selon lui, de plonger notre pays dans une crise durable. Analyse.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La dette publique fran\u00e7aise atteint un nouveau sommet historique au troisi\u00e8me trimestre 2023<\/li>\n\n\n\n<li>La consommation de vin a baiss\u00e9 d&#8217;environ 70% en 60 ans en France<\/li>\n\n\n\n<li>Le secteur viticole appelle \u00e0 un new deal du vin pour pr\u00e9server l&#8217;avenir du secteur en France<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Utiliser l&#8217;\u00e9pargne pour financer les transitions \u00e9conomiques<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Andr\u00e9 Gaiffier, enseignant en \u00e9conomie, propose que la&nbsp;<strong>mobilisation de l&#8217;\u00e9pargne priv\u00e9e vers des priorit\u00e9s d&#8217;int\u00e9r\u00eat g\u00e9n\u00e9ral<\/strong>&nbsp;constitue un levier utile de politique \u00e9conomique pour financer les transitions \u00e0 venir. La politique de l\u2019\u00e9pargne est relativement m\u00e9connue et marqu\u00e9e par une forte opacit\u00e9, mais elle joue un r\u00f4le clef dans le financement des entreprises, de la dette publique ou encore du logement social.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles solutions pour favoriser l&#8217;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs pistes peuvent \u00eatre envisag\u00e9es pour encourager <a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/epargne-salariale\/\">l&#8217;\u00e9pargne salariale<\/a> et contribuer ainsi \u00e0 soutenir l&#8217;\u00e9conomie :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Promouvoir les dispositifs d&#8217;\u00e9pargne salariale :<\/strong>&nbsp;Les entreprises peuvent mettre en place des Plans d&#8217;Epargne Entreprise (PEE) ou des Plans d&#8217;Epargne pour la Retraite Collectif (PERCO) qui permettent aux salari\u00e9s de se constituer une \u00e9pargne avec l&#8217;aide de leur employeur.<\/li>\n\n\n\n<li><strong>Inciter fiscalement les particuliers \u00e0 investir :<\/strong>&nbsp;Des incitations fiscales pourraient \u00eatre mises en place pour orienter l&#8217;\u00e9pargne vers des placements \u00e0 long terme, notamment vers le financement des PME et des entreprises innovantes.<\/li>\n\n\n\n<li><strong>R\u00e9former l&#8217;assurance-vie :<\/strong>\u00a0L&#8217;<a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/assurance\/\">assurance-vie<\/a> est le placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais, mais les fonds investis sont majoritairement plac\u00e9s sur des produits peu risqu\u00e9s et peu r\u00e9mun\u00e9rateurs. Une r\u00e9forme du cadre r\u00e9glementaire pourrait favoriser l&#8217;investissement dans des projets plus ambitieux et g\u00e9n\u00e9rateurs de croissance.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">La n\u00e9cessit\u00e9 d&#8217;une politique de l&#8217;\u00e9pargne adapt\u00e9e aux enjeux \u00e9conomiques actuels<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 la crise \u00e9conomique, il devient primordial de repenser la mani\u00e8re dont l&#8217;\u00e9pargne salariale est mobilis\u00e9e pour financer les transitions \u00e9conomiques. En effet,&nbsp;<strong>red\u00e9ployer l&#8217;\u00e9pargne vers des investissements plus p\u00e9rennes et soutenir la croissance<\/strong>&nbsp;semble essentiel \u00e0 court et moyen terme. Cela permettrait \u00e9galement de renforcer le pouvoir d&#8217;achat des Fran\u00e7ais tout en contribuant \u00e0 r\u00e9sorber la dette publique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La garantie des d\u00e9p\u00f4ts en cas de faillite bancaire En France, il existe un\u00a0Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution (FGDR)\u00a0qui prot\u00e8ge les titulaires de comptes en cas de d\u00e9faillance de la banque. Toutes les banques \u00e9tablies en France adh\u00e8rent \u00e0 ce fonds. Les avoirs sont couverts jusqu\u2019\u00e0 100 000 \u20ac par personne et &#8230; <a title=\"L&#8217;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/lepargne-salariale-face-a-la-crise-economique\/\" aria-label=\"En savoir plus sur L&#8217;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique\">Lire plus<\/a><\/p>\n","protected":false},"author":3,"featured_media":2999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-2998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-de-la-finance","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L&#039;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique - Feodus<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/lepargne-salariale-face-a-la-crise-economique\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&#039;\u00e9pargne salariale face \u00e0 la crise \u00e9conomique - Feodus\" \/>\n<meta property=\"og:description\" content=\"La garantie des d\u00e9p\u00f4ts en cas de faillite bancaire En France, il existe un\u00a0Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution (FGDR)\u00a0qui prot\u00e8ge les titulaires de comptes en cas de d\u00e9faillance de la banque. Toutes les banques \u00e9tablies en France adh\u00e8rent \u00e0 ce fonds. Les avoirs sont couverts jusqu\u2019\u00e0 100 000 \u20ac par personne et ... 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Toutes les banques \u00e9tablies en France adh\u00e8rent \u00e0 ce fonds. Les avoirs sont couverts jusqu\u2019\u00e0 100 000 \u20ac par personne et ... 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