{"id":8675,"date":"2022-12-12T10:09:10","date_gmt":"2022-12-12T09:09:10","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=8675"},"modified":"2022-12-12T10:09:11","modified_gmt":"2022-12-12T09:09:11","slug":"un-marche-unique-du-credit-en-europe-cela-a-t-il-un-sens","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/un-marche-unique-du-credit-en-europe-cela-a-t-il-un-sens\/","title":{"rendered":"Un march\u00e9 unique du cr\u00e9dit en Europe, cela a-t-il un sens ?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-size: 14pt; font-family: helvetica;\">C\u2019est en tous cas l\u2019objectif que s\u2019est fix\u00e9 la startup estonienne\u00a0<a href=\"https:\/\/mifundo.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Mifundo<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">L\u2019id\u00e9e est de monter une simple plateforme, ouverte \u00e0 toutes les banques de l\u2019UE. Les particuliers pourraient y formuler des demandes et recevoir des r\u00e9ponses mettant en concurrence un nombre incalculablement \u00e9largi \u2013 \u00e0 ce stade \u2013 d\u2019\u00e9tablissements financiers.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">Bien entendu, compte tenu de la diversit\u00e9 des pratiques d\u2019octroi et des conditions applicables aux cr\u00e9dits dans toute l\u2019UE, parvenir \u00e0 formuler ne seraient-ce que des demandes et des offres standardis\u00e9es repr\u00e9sente un chantier assez titanesque. Ensuite se posera la question de l\u2019\u00e9valuation et du suivi des risques.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">Pour tout cela, la startup collabore avec les sp\u00e9cialistes de l\u2019IA de l\u2019Universit\u00e9 de Tartu. Toutefois, pour le pr\u00e9sent, Mifundo n\u2019a lev\u00e9 qu\u20191,2 million \u20ac\u2026<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-12309 entered lazyloaded\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/12\/8bc3f15ccb678372ed4017c24f63685b.jpg\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/12\/8bc3f15ccb678372ed4017c24f63685b.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-300x123.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-768x315.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-1536x630.jpg 1536w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-600x246.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1.jpg 1546w\" alt=\"\" width=\"1024\" height=\"420\" data-lazy-srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/12\/8bc3f15ccb678372ed4017c24f63685b.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-300x123.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-768x315.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-1536x630.jpg 1536w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1-600x246.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/12\/mifundo-1.jpg 1546w\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\" data-lazy-src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2022\/12\/8bc3f15ccb678372ed4017c24f63685b.jpg\" data-ll-status=\"loaded\" \/>L\u2019Union europ\u00e9enne compte parmi\u00a0<a href=\"https:\/\/www.crunchbase.com\/organization\/mifundo\" target=\"_blank\" rel=\"noopener\"><strong>les apporteurs de fonds\u00a0<\/strong><\/a>qui soutiennent le projet. Le march\u00e9 bancaire unifi\u00e9 de l\u2019UE pourrait-il \u00eatre r\u00e9alis\u00e9 \u00e0 travers des initiatives de ce genre\u00a0? Des initiatives dont l\u2019impulsion parait devoir \u00eatre attendue davantage de nouveaux acteurs que des banques europ\u00e9ennes elles-m\u00eames.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">Un \u00e9l\u00e9ment de contexte sert aujourd\u2019hui le projet\u00a0: l\u2019inflation et ses disparit\u00e9s entre les pays de l\u2019UE (les pays baltes y \u00e9tant particuli\u00e8rement expos\u00e9s). Kaido Saar, le fondateur de Mifundo\u00a0: \u00ab\u00a0<em>si le taux d\u2019int\u00e9r\u00eat moyen des cr\u00e9dits \u00e0 la consommation en Estonie est aujourd\u2019hui de 12 %, en Finlande il est deux fois plus bas et reste en moyenne \u00e0 6 %, tandis qu\u2019en Su\u00e8de il est inf\u00e9rieur \u00e0 4 % et \u00e0 2% au Luxembourg.<\/em>\u00a0\u00bb Et si de telles diff\u00e9rences, pouvant paraitre assez insurmontables, devenaient d\u00e9cisives dans le contexte actuel\u00a0?<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">Si elle r\u00e9ussissait, une plateforme comme Mifundo mettrait finalement en comp\u00e9tition les pays de l\u2019UE eux-m\u00eames, poussant \u00e0 l\u2019uniformisation de leurs politiques mon\u00e9taires. On comprend que l\u2019UE s\u2019int\u00e9resse au projet.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: helvetica;\">Score Advisor<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span style=\"font-size: 14pt; font-family: helvetica;\">C\u2019est l\u2019objectif que se fixe la startup estonienne <strong>Mifundo<\/strong> !\u00a0<\/span><\/p>\n","protected":false},"author":6,"featured_media":8682,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[138,137,55],"tags":[499,575],"class_list":["post-8675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyse","category-article","category-risques-credit-marche","tag-epargne","tag-finance-et-societe"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/8675","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/comments?post=8675"}],"version-history":[{"count":4,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/8675\/revisions"}],"predecessor-version":[{"id":8684,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/8675\/revisions\/8684"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/8682"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=8675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=8675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=8675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}