{"id":23168,"date":"2023-10-10T12:19:03","date_gmt":"2023-10-10T12:19:03","guid":{"rendered":"https:\/\/dekkbi.com\/?p=23168"},"modified":"2023-10-10T12:19:03","modified_gmt":"2023-10-10T12:19:03","slug":"quelles-banques-profitent-le-plus-du-taux-augmente-aupres-de-la-bce-et-quand-le-rendement-de-vos-epargnes-sera-t-il-augmente","status":"publish","type":"post","link":"https:\/\/dekkbi.com\/?p=23168","title":{"rendered":"Quelles banques profitent le plus du taux augment\u00e9 aupr\u00e8s de la BCE? Et quand le rendement de vos \u00e9pargnes sera-t-il augment\u00e9?"},"content":{"rendered":"\n<p>GUIDE-EPARGNE.BETout le monde attend que les banques augmentent leurs taux d\u2019\u00e9pargne consid\u00e9rablement, mais elles ne l\u2019ont pas encore fait, ou du moins pas dans la mesure attendue. Malgr\u00e9 toute cette pression, elles ne l\u2019ont fait qu\u2019au compte-gouttes. Pourquoi? Et \u00e0 quoi pouvons-nous nous attendre? Ci-dessous, Guide-epargne.be se penche sur l\u2019avenir.<\/p>\n\n\n\n<p>Sans aucun doute, vous avez d\u00e9j\u00e0 entendu l\u2019appel du monde politique. Les banques commerciales s\u2019enrichissent en dormant. Elles n\u2019accordent \u00e0 leurs clients que 1% d\u2019int\u00e9r\u00eats sur leurs comptes d\u2019\u00e9pargne, tout en percevant elles-m\u00eames 4% si elles transf\u00e8rent cet argent sans risque vers la Banque Centrale Europ\u00e9enne (BCE). Leur marge d\u2019int\u00e9r\u00eat est donc exorbitante.<\/p>\n\n\n\n<p>En pratique, ce n\u2019est pas aussi simple. Afin de clarifier la situation, nous nous basons sur un sch\u00e9ma fort simplifi\u00e9. Prenons l\u2019exemple d\u2019une banque commerciale qui a r\u00e9colt\u00e9 10 milliards d\u2019euros d\u2019\u00e9pargnes, accord\u00e9 8 milliards d\u2019euros de pr\u00eats et plac\u00e9 les 2 milliards d\u2019euros restants aupr\u00e8s de la Banque Centrale Europ\u00e9enne.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>GUIDE-EPARGNE.BETout le monde attend que les banques augmentent leurs taux d\u2019\u00e9pargne consid\u00e9rablement, mais elles ne l\u2019ont pas encore fait, ou<\/p>\n","protected":false},"author":1,"featured_media":23169,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-23168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-event-more-news"],"_links":{"self":[{"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/posts\/23168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dekkbi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23168"}],"version-history":[{"count":1,"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/posts\/23168\/revisions"}],"predecessor-version":[{"id":23170,"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/posts\/23168\/revisions\/23170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dekkbi.com\/index.php?rest_route=\/wp\/v2\/media\/23169"}],"wp:attachment":[{"href":"https:\/\/dekkbi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dekkbi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dekkbi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}