Traduction de «Taux bancaire sur les prêts à vue » (Français → Anglais) :

24. Stresses its concern regarding the considerable fragmentation of lending conditions for SMEs across the euro area countries, as well as the existing gap between financing rates granted to SMEs and those granted to bigger companies; insists that these long-standing problems are not appropriately addressed by the recent measures announced by the ECB to boost bank lending, and that the ECB should study the underlying factors hindering SMEs’ access to credit; calls on the ECB to investigate whether this gap has any correlation with concentration in the banking sector; ...[+++]

19. Emphasises the relevance of obstacles to the functioning of the Single Market caused by the fragmentation of retail financial market services, as highlighted by the Commission in the Single Market integration report, in particular in relation to highly diverging interest rates for bank loans which have a strong impact on consumers, households and SMEs; is convinced that these differences hamper effective access to finance and have an adverse impact on the real economy; is concerned about the negative impression that consumers have of the fragmentation and underperformance of retail financial services, notably with regard to bank ac ...[+++]counts, mortgages, private pensions and securities;

[3] This will be done by raising the current ¬ 1.5 M safe harbour thresThis will be done by raising the current €1.5 M safe harbour threshold for risk capital to € 2.5M, and by allowing, subject to certain conditions and maximum amounts, (a) to grant aid for guarantees for loans for certain companies having difficulties to obtain loans ; and (b) to grant aid of up to 50% (for SMEs and 25% (for large companies) of the Reference Rate, for loans for investments in the manufacture of products complying earlier with, or going beyond, new Community standards which increase the level of environmental protection and are not yet in force.

Another tentative indication that the degree of competition in the banking sector across euro area countries may have changed can be gauged from the fact that cross-country dispersion of retail bank loan and deposit rates markedly increased in the second half of 2008 and have remained high (from a historical perspective) throughout 2009.

With a view to a uniform, transparent, and simple application of the State aid rules, the market rates for the purposes of this Regulation should be deemed to be the reference rates, provided that, in the case of a soft loan, the loan is backed by normal security and does not involve abnormal risks.

With a view to a uniform, transparent, and simple application of the State aid rules, the market rates for the purposes of this Regulation should be deemed to be the reference rates, provided that, in the case of a soft loan, the loan is backed by normal security and does not involve abnormal risk.