{"id":51213,"date":"2025-01-16T11:13:33","date_gmt":"2025-01-16T10:13:33","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=51213"},"modified":"2025-03-07T11:14:35","modified_gmt":"2025-03-07T10:14:35","slug":"livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/","title":{"rendered":"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos"},"content":{"rendered":"<p><strong>Avec la baisse des taux d'\u00e9pargne r\u00e9glement\u00e9e, les banques fran\u00e7aises devraient voir leurs r\u00e9sultats s'am\u00e9liorer, apr\u00e8s deux ann\u00e9es \u00e0 devoir r\u00e9mun\u00e9rer des taux \u00e9lev\u00e9s, sans pouvoir faire progresser aussi vite les taux de leurs cr\u00e9dits.<\/strong><\/p>\n<p>La baisse des taux des Livrets r\u00e9glement\u00e9s (Livret A, LDDS, LEP) est une mauvaise nouvelle pour les \u00e9pargnants. C'est en revanche une bonne affaire pour les banques fran\u00e7aises qui devront servir, d\u00e8s le 1er f\u00e9vrier, des rendements moins \u00e9lev\u00e9s. Apr\u00e8s deux ans de gel, Bercy a indiqu\u00e9, mercredi, que le taux du Livret A va tomber de 3 % \u00e0 2,4 %. Pour le Livret d'\u00e9pargne populaire r\u00e9serv\u00e9 aux m\u00e9nages modestes, il va passer de 4 % \u00e0 3,5 %.<\/p>\n<p>(\u2026)<\/p>\n<p>La d\u00e9crue des taux devrait profiter en premier lieu \u00e0 La Banque Postale et \u00e0 BPCE, qui sont les distributeurs historiques du Livret A. Le poids des Livrets r\u00e9glement\u00e9s dans les encours de d\u00e9p\u00f4t est de plus de 40 % \u00e0 La Banque Postale et pour les Caisses d'Epargne, selon les calculs du cabinet<strong> Pr\u00e9cision<\/strong>. Ces banques avaient donc subi de fa\u00e7on plus prononc\u00e9e l'effet de ciseaux li\u00e9 \u00e0 la remont\u00e9e des taux : d'un c\u00f4t\u00e9, le co\u00fbt de l'\u00e9pargne r\u00e9glement\u00e9e augmentait vite, de l'autre, la ressource, autrement dit les cr\u00e9dits fournis par les banques, ne progressait que tr\u00e8s lentement \u00e9tant donn\u00e9 la pr\u00e9pond\u00e9rance des taux fixes sur le march\u00e9 fran\u00e7ais.<\/p>\n<p>Voir l'article complet <a href=\"https:\/\/www.lesechos.fr\/finance-marches\/banque-assurances\/livret-a-ces-millions-deuros-deconomies-que-les-banques-vont-faire-grace-a-la-baisse-du-taux-2143033\">ici<\/a>.<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Avec la baisse des taux d&#8217;\u00e9pargne r\u00e9glement\u00e9e, les banques fran\u00e7aises devraient voir leurs r\u00e9sultats s&#8217;am\u00e9liorer, apr\u00e8s deux ann\u00e9es \u00e0 devoir r\u00e9mun\u00e9rer des taux \u00e9lev\u00e9s, sans pouvoir faire progresser aussi vite les taux de leurs cr\u00e9dits. La baisse des taux des Livrets r\u00e9glement\u00e9s (Livret A, LDDS, LEP) est une mauvaise nouvelle pour les \u00e9pargnants. C&#8217;est en [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[318],"tags":[],"class_list":["post-51213","post","type-post","status-publish","format-standard","hentry","category-fr-press"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos - Accuracy<\/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.accuracy.com\/fr\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos\" \/>\n<meta property=\"og:description\" content=\"Avec la baisse des taux d&#8217;\u00e9pargne r\u00e9glement\u00e9e, les banques fran\u00e7aises devraient voir leurs r\u00e9sultats s&#8217;am\u00e9liorer, apr\u00e8s deux ann\u00e9es \u00e0 devoir r\u00e9mun\u00e9rer des taux \u00e9lev\u00e9s, sans pouvoir faire progresser aussi vite les taux de leurs cr\u00e9dits. La baisse des taux des Livrets r\u00e9glement\u00e9s (Livret A, LDDS, LEP) est une mauvaise nouvelle pour les \u00e9pargnants. C&#8217;est en [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accuracy.com\/fr\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/\" \/>\n<meta property=\"og:site_name\" content=\"Accuracy\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-16T10:13:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-07T10:14:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/10\/Accuracy.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ma\u00eblys Gomis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ma\u00eblys Gomis\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/\"},\"author\":{\"name\":\"Ma\u00eblys Gomis\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/person\\\/68ce67d9b9beccdb553af07dbe3a32fd\"},\"headline\":\"Livret A : la baisse du taux, cette bonne affaire pour les banques &#8211; Les Echos\",\"datePublished\":\"2025-01-16T10:13:33+00:00\",\"dateModified\":\"2025-03-07T10:14:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/\"},\"wordCount\":275,\"publisher\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\"},\"articleSection\":[\"FR (Press)\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/\",\"name\":\"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos - Accuracy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#website\"},\"datePublished\":\"2025-01-16T10:13:33+00:00\",\"dateModified\":\"2025-03-07T10:14:35+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/en_gb\\\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.accuracy.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Livret A : la baisse du taux, cette bonne affaire pour les banques &#8211; Les Echos\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#website\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/\",\"name\":\"Accuracy\",\"description\":\"Business Advisers - Financial Consultants\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.accuracy.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\",\"name\":\"Accuracy\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/unnamed-3.jpg\",\"contentUrl\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/unnamed-3.jpg\",\"width\":512,\"height\":512,\"caption\":\"Accuracy\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/accuracy\\\/?originalSubdomain=fr\",\"https:\\\/\\\/www.instagram.com\\\/accuracycareers\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/person\\\/68ce67d9b9beccdb553af07dbe3a32fd\",\"name\":\"Ma\u00eblys Gomis\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g\",\"caption\":\"Ma\u00eblys Gomis\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos - Accuracy","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.accuracy.com\/fr\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/","og_locale":"fr_CA","og_type":"article","og_title":"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos","og_description":"Avec la baisse des taux d&#8217;\u00e9pargne r\u00e9glement\u00e9e, les banques fran\u00e7aises devraient voir leurs r\u00e9sultats s&#8217;am\u00e9liorer, apr\u00e8s deux ann\u00e9es \u00e0 devoir r\u00e9mun\u00e9rer des taux \u00e9lev\u00e9s, sans pouvoir faire progresser aussi vite les taux de leurs cr\u00e9dits. La baisse des taux des Livrets r\u00e9glement\u00e9s (Livret A, LDDS, LEP) est une mauvaise nouvelle pour les \u00e9pargnants. C&#8217;est en [&hellip;]","og_url":"https:\/\/www.accuracy.com\/fr\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/","og_site_name":"Accuracy","article_published_time":"2025-01-16T10:13:33+00:00","article_modified_time":"2025-03-07T10:14:35+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/10\/Accuracy.png","type":"image\/png"}],"author":"Ma\u00eblys Gomis","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ma\u00eblys Gomis","Estimation du temps de lecture":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/#article","isPartOf":{"@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/"},"author":{"name":"Ma\u00eblys Gomis","@id":"https:\/\/www.accuracy.com\/#\/schema\/person\/68ce67d9b9beccdb553af07dbe3a32fd"},"headline":"Livret A : la baisse du taux, cette bonne affaire pour les banques &#8211; Les Echos","datePublished":"2025-01-16T10:13:33+00:00","dateModified":"2025-03-07T10:14:35+00:00","mainEntityOfPage":{"@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/"},"wordCount":275,"publisher":{"@id":"https:\/\/www.accuracy.com\/#organization"},"articleSection":["FR (Press)"],"inLanguage":"fr-CA"},{"@type":"WebPage","@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/","url":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/","name":"Livret A : la baisse du taux, cette bonne affaire pour les banques - Les Echos - Accuracy","isPartOf":{"@id":"https:\/\/www.accuracy.com\/#website"},"datePublished":"2025-01-16T10:13:33+00:00","dateModified":"2025-03-07T10:14:35+00:00","breadcrumb":{"@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.accuracy.com\/en_gb\/livret-a-la-baisse-du-taux-cette-bonne-affaire-pour-les-banques-les-echos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.accuracy.com\/"},{"@type":"ListItem","position":2,"name":"Livret A : la baisse du taux, cette bonne affaire pour les banques &#8211; Les Echos"}]},{"@type":"WebSite","@id":"https:\/\/www.accuracy.com\/#website","url":"https:\/\/www.accuracy.com\/","name":"Pr\u00e9cision","description":"Conseillers d'entreprise - Consultants financiers","publisher":{"@id":"https:\/\/www.accuracy.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.accuracy.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/www.accuracy.com\/#organization","name":"Pr\u00e9cision","url":"https:\/\/www.accuracy.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/www.accuracy.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/08\/unnamed-3.jpg","contentUrl":"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/08\/unnamed-3.jpg","width":512,"height":512,"caption":"Accuracy"},"image":{"@id":"https:\/\/www.accuracy.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/accuracy\/?originalSubdomain=fr","https:\/\/www.instagram.com\/accuracycareers\/"]},{"@type":"Person","@id":"https:\/\/www.accuracy.com\/#\/schema\/person\/68ce67d9b9beccdb553af07dbe3a32fd","name":"Ma\u00eblys Gomis","image":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4ad3652e23d1ffa941cf0fef640e4a120c859508553c667e4192ca34db23570a?s=96&d=blank&r=g","caption":"Ma\u00eblys Gomis"}}]}},"_links":{"self":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/51213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/comments?post=51213"}],"version-history":[{"count":2,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/51213\/revisions"}],"predecessor-version":[{"id":51217,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/posts\/51213\/revisions\/51217"}],"wp:attachment":[{"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/media?parent=51213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/categories?post=51213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.accuracy.com\/fr\/wp-json\/wp\/v2\/tags?post=51213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}