{"id":15766,"date":"2025-12-09T12:35:58","date_gmt":"2025-12-09T12:35:58","guid":{"rendered":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/2025\/12\/09\/comment-faciliter-lacces-des-pme-aux-financements-europeens\/"},"modified":"2025-12-09T12:35:58","modified_gmt":"2025-12-09T12:35:58","slug":"comment-faciliter-lacces-des-pme-aux-financements-europeens","status":"publish","type":"post","link":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/2025\/12\/09\/comment-faciliter-lacces-des-pme-aux-financements-europeens\/","title":{"rendered":"Comment faciliter l\u2019acc\u00e8s des PME aux financements europ\u00e9ens\u00a0? \u00a0"},"content":{"rendered":"<div class=\"content-header\">\n<div class=\"page-simple-body__wrapper\">\n<div class=\"content-chapo\">\n<p style=\"text-align: justify;\"><strong>Le 15 janvier 2025,\u00a0la Commission europ\u00e9enne et la Banque centrale europ\u00e9enne (BCE) ont publi\u00e9 leur enqu\u00eate sur l\u2019acc\u00e8s au financement des entreprises. Globalement, les r\u00e9sultats montrent que celles-ci ont b\u00e9n\u00e9fici\u00e9 en 2024 de meilleures conditions de financement par rapport \u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dente, sans pour autant retrouver les niveaux atteints avant le Covid.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"pg-simple-text\">\n<div class=\"page-simple-body__wrapper\">\n<div class=\"pg-simple-text__body\">\n<p style=\"text-align: justify;\">R\u00e9alis\u00e9e aupr\u00e8s de 16\u00a0000 entreprises \u00e0 travers l\u2019UE (dont 92% de PME), l\u2019enqu\u00eate met en lumi\u00e8re les diff\u00e9rentes probl\u00e9matiques freinant l\u2019acc\u00e8s des PME aux financements europ\u00e9ens et propose diff\u00e9rentes solutions pour y rem\u00e9dier\u00a0:<\/p>\n<ul>\n<li><strong>Simplifier les proc\u00e9dures\u00a0<\/strong>de demande de financement pour les PME\u00a0;<\/li>\n<li><strong>Faciliter l\u2019acc\u00e8s aux pr\u00eats bancaires<\/strong>\u00a0en r\u00e9duisant les exigences de garantie ou de s\u00fbret\u00e9 et proposer des taux d\u2019int\u00e9r\u00eat plus avantageux\u00a0;<\/li>\n<li><strong>Diversifier les sources de financement<\/strong>, notamment gr\u00e2ce \u00e0 l\u2019utilisation de fonds propres ou\u00a0<em>via<\/em>\u00a0un acc\u00e8s facilit\u00e9 au cr\u00e9dit commercial\u00a0;<\/li>\n<li><strong>Lutter contre les retards de paiement\u00a0<\/strong>;<\/li>\n<li><strong>Accompagner les PME\u00a0<\/strong>dans les n\u00e9gociations avec les institutions financi\u00e8res\u00a0;<\/li>\n<li><strong>Soutenir la croissance\u00a0<\/strong>des entreprises innovantes.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Toutefois, le rapport pr\u00e9cise que ces solutions ne peuvent \u00eatre uniformes et que, si elles veulent \u00eatre efficaces, celles-ci doivent \u00eatre adapt\u00e9es aux sp\u00e9cificit\u00e9s de chaque PME. Seule une approche globale, alliant entrepreneurs, institutions financi\u00e8res et pouvoirs publics pourra permettre de r\u00e9pondre aux d\u00e9fis et contraintes freinant la croissance et la comp\u00e9titivit\u00e9 des PME.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/single-market-economy.ec.europa.eu\/news\/safe-survey-2024-shows-improved-financing-conditions-european-businesses-2025-01-15_en?prefLang=fr\" style=\"border-radius:8px;background-color:#114d61\" target=\"_blank\" rel=\"noreferrer noopener\">LE RAPPORT EST DISPONIBLE, EN ANGLAIS, ICI<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le 15 janvier 2025,\u00a0la Commission europ\u00e9enne et la Banque centrale europ\u00e9enne (BCE) ont publi\u00e9 leur enqu\u00eate sur l\u2019acc\u00e8s au financement des entreprises. Globalement, les r\u00e9sultats montrent<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":15767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[47],"tags":[],"class_list":["post-15766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"_links":{"self":[{"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/15766","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/comments?post=15766"}],"version-history":[{"count":0,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/15766\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/media\/15767"}],"wp:attachment":[{"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/media?parent=15766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/categories?post=15766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infallible-goldberg.87-106-122-147.plesk.page\/index.php\/wp-json\/wp\/v2\/tags?post=15766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}