{"id":43788,"date":"2023-02-09T20:02:57","date_gmt":"2023-02-09T19:02:57","guid":{"rendered":"https:\/\/antilla-martinique.com\/?p=43788"},"modified":"2023-02-09T20:02:57","modified_gmt":"2023-02-09T19:02:57","slug":"lendettement-bancaire-des-entreprises-et-des-menages-martiniquais","status":"publish","type":"post","link":"https:\/\/antilla-martinique.com\/en\/lendettement-bancaire-des-entreprises-et-des-menages-martiniquais\/","title":{"rendered":"L\u2019endettement bancaire des entreprises et des m\u00e9nages martiniquais"},"content":{"rendered":"<div class=\"col-xs-12 titre\"><\/div>\n<section class=\"content\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-xs-12 col-md-12\">\n<div class=\"crayon article-chapo-8580 chapo surlignable\">\n<p><strong>Ces derni\u00e8res ann\u00e9es, les agents \u00e9conomiques ont eu largement recours au cr\u00e9dit dont les conditions \u00e9taient historiquement favorables (contexte de politique mon\u00e9taire non conventionnelle et de taux n\u00e9gatifs). Le taux d\u2019endettement a ainsi progress\u00e9 de 19 points et de 15 points respectivement pour les entreprises et les m\u00e9nages de 2015 \u00e0 2021, faisant du cr\u00e9dit un levier pr\u00e9pond\u00e9rant de la croissance en Martinique.<\/strong><\/p>\n<p>Cette dynamique tendancielle s\u2019est accentu\u00e9e en 2020 pour les entreprises qui ont eu massivement recours aux pr\u00eats garantis par l\u2019\u00c9tat (PGE) pour soulager les tensions de tr\u00e9sorerie induites par la pand\u00e9mie mondiale. Pour autant, ces cr\u00e9dits se sont pour partie retrouv\u00e9s dans le renforcement des actifs bancaires des entreprises (consommation partielle des PGE), limitant de ce fait la hausse de l\u2019endettement net.<\/p>\n<p>Si les trajectoires d\u2019endettement peuvent interpeler, les risques demeurent \u00e0 ce stade ma\u00eetris\u00e9s, notamment au regard des indicateurs de vuln\u00e9rabilit\u00e9. Ainsi, les encours de cr\u00e9ances douteuses tendent \u00e0 diminuer sur la p\u00e9riode, y compris pendant la crise sanitaire (taux ramen\u00e9 de 5,8\u00a0% fin 2019 \u00e0 4,7\u00a0% fin 2021). Face \u00e0 la remont\u00e9e des taux op\u00e9r\u00e9e r\u00e9cemment par les banques centrales, et notamment par la Banque Centrale Europ\u00e9enne depuis juillet 2022, la pr\u00e9dominance du financement du cr\u00e9dit \u00e0 taux fixe contribue \u00e0 amortir les impacts pour les cr\u00e9dits en cours.<\/p>\n<p><em><strong>Source : IEDOM<\/strong><\/em><\/p>\n<\/div>\n<\/div>\n<div class=\"col-xs-12 col-md-12\" role=\"main\">\n<div class=\"liste documents documents_joints\">\n<h2 class=\"h2\">Documents joints<\/h2>\n<ul class=\"liste-items\">\n<li class=\"item\">\n<div class=\"cms-dl document spip_doc pdf\"><i class=\"cms-dl-icon glyphicon glyphicon-download\"><\/i><\/p>\n<p class=\"cms-dl-desc\"><a class=\"cms-dl-link\" title=\"T\u00e9l\u00e9charger PDF - 539.4\u00a0ko\" href=\"https:\/\/www.iedom.fr\/IMG\/pdf\/note_endettement_martinique_vf.pdf\" rel=\"bookmark noopener\" target=\"_blank\">note_endettement_martinique_vf.pdf<\/a><span class=\"cms-dl-infos\"><i class=\"icon-calendar\"><\/i>9 f\u00e9vrier<span class=\"type\"><span class=\"sep\"> \u2013 <\/span>PDF<\/span><span class=\"poids\"><span class=\"sep\"> \u2013 <\/span>539.4\u00a0ko<\/span><\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"item\">\n<div class=\"cms-dl document spip_doc pdf\"><i class=\"cms-dl-icon glyphicon glyphicon-download\"><\/i><\/p>\n<p class=\"cms-dl-desc\"><a class=\"cms-dl-link\" title=\"T\u00e9l\u00e9charger PDF - 431.5\u00a0ko\" href=\"https:\/\/www.iedom.fr\/IMG\/pdf\/infographie_note_thematique_endettement_vf.pdf\" rel=\"bookmark noopener\" target=\"_blank\">infographie_note_thematique_endettement_vf.pdf<\/a><span class=\"cms-dl-infos\"><i class=\"icon-calendar\"><\/i>9 f\u00e9vrier<span class=\"type\"><span class=\"sep\"> \u2013 <\/span>PDF<\/span><span class=\"poids\"><span class=\"sep\"> \u2013 <\/span>431.5\u00a0ko<\/span><\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<div id=\"gtx-trans\">\n<div class=\"gtx-trans-icon\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ces derni\u00e8res ann\u00e9es, les agents \u00e9conomiques ont eu largement recours au cr\u00e9dit dont les conditions \u00e9taient historiquement favorables (contexte de politique mon\u00e9taire non conventionnelle et de taux n\u00e9gatifs). Le taux d\u2019endettement a ainsi progress\u00e9 de 19 points et de 15 points respectivement pour les entreprises et les m\u00e9nages de 2015 \u00e0 2021, faisant du cr\u00e9dit<\/p>","protected":false},"author":1,"featured_media":43789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":"","rank_math_focus_keyword":"","rank_math_title":"","rank_math_description":"","rank_math_canonical_url":"","rank_math_robots":null,"rank_math_facebook_title":"","rank_math_facebook_description":"","rank_math_twitter_title":"","rank_math_twitter_description":""},"categories":[2],"tags":[],"class_list":["post-43788","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts\/43788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/comments?post=43788"}],"version-history":[{"count":0,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/posts\/43788\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/media\/43789"}],"wp:attachment":[{"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/media?parent=43788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/categories?post=43788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/antilla-martinique.com\/en\/wp-json\/wp\/v2\/tags?post=43788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}