{"id":844170,"date":"2026-04-03T06:44:18","date_gmt":"2026-04-03T06:44:18","guid":{"rendered":"https:\/\/www.europesays.com\/fr\/844170\/"},"modified":"2026-04-03T06:44:18","modified_gmt":"2026-04-03T06:44:18","slug":"les-banques-allemandes-doivent-fusionner-sous-peine-detre-evincees-par-la-concurrence-etrangere","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/fr\/844170\/","title":{"rendered":"Les banques allemandes doivent fusionner, sous peine d\u2019\u00eatre \u00e9vinc\u00e9es par la concurrence \u00e9trang\u00e8re"},"content":{"rendered":"<p>L\u2019Allemagne r\u00e9siste farouchement \u00e0 l\u2019offre de rachat de la Commerzbank par UniCredit. Cependant, cette ligne de d\u00e9fense met en lumi\u00e8re un probl\u00e8me bien plus vaste sur le march\u00e9 bancaire allemand. Dans le classement des plus grandes banques mondiales, l\u2019Allemagne accuse un retard. La raison premi\u00e8re r\u00e9side dans un concept que tout guichetier ma\u00eetrise: les \u00e9conomies d\u2019\u00e9chelle.<\/p>\n<p>Actuellement, 1254 institutions bancaires op\u00e8rent en Allemagne. En raison du syst\u00e8me allemand archa\u00efque du XIXe si\u00e8cle, 984 d&rsquo;entre elles sont de petites banques de type Sparkassen, Volksbanken ou Raiffeisenbanken.\u00a0Ayant l&rsquo;interdiction de s&rsquo;\u00e9tendre en dehors de leur r\u00e9gion, elles se contentent d&rsquo;une client\u00e8le restreinte et s&rsquo;av\u00e8rent incapables de g\u00e9n\u00e9rer des b\u00e9n\u00e9fices attrayants. Par exemple, seules 32 des 339 Sparkassen affichent un total du bilan sup\u00e9rieur \u00e0 10 milliards d&rsquo;euros. A titre de comparaison, la Schaffhauser Kantonalbank pr\u00e9sente un total du bilan de 10,6 milliards de francs. Ces banques ploient sous des co\u00fbts redondants, sans que personne ne les pousse parfois \u00e0 les r\u00e9duire, et peinent \u00e0 lever des capitaux; de plus, si elles n\u2019en ont pas la volont\u00e9, rien ne les contraint \u00e0 innover.<\/p>\n","protected":false},"excerpt":{"rendered":"L\u2019Allemagne r\u00e9siste farouchement \u00e0 l\u2019offre de rachat de la Commerzbank par UniCredit. Cependant, cette ligne de d\u00e9fense met&hellip;\n","protected":false},"author":2,"featured_media":844171,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1587],"tags":[11,672,1804,1805,1803,1777,674,1801,12,301,1802],"class_list":{"0":"post-844170","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-allemagne","8":"tag-actualites","9":"tag-allemagne","10":"tag-bundesrepublik-deutschland","11":"tag-de","12":"tag-deutschland","13":"tag-eu","14":"tag-europe","15":"tag-germany","16":"tag-news","17":"tag-premium","18":"tag-republique-federale-dallemagne"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@fr\/116339426207333141","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/844170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/comments?post=844170"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/posts\/844170\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media\/844171"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/media?parent=844170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/categories?post=844170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/fr\/wp-json\/wp\/v2\/tags?post=844170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}