The governor of the Banque de France, François Villeroy de Galhau, wanted to be reassuring this Wednesday, at the microphone of RTL.
The calculation of the rate of the livret A "will
integrate the inflation of the last six months
", he assured.
"
We will calculate the formula that will integrate the inflation of the last six months (...) mid-January
", he said, for a decision which should take place on February 1, 2022.
Read also Employee savings less profitable than the Livret A
“
Additional savings have undoubtedly hit their ceiling since last summer
,” added François Villeroy de Galhau. “
The French are starting to use it a little, cautiously, especially for real estate.
""
The popular savings account (LEP), a product that is less talked about, is completely protected from inflation. It is a very interesting product to which many French people are entitled,
”continued the Governor of the Banque de France.
Regarding life insurance, the flagship investment of the French, "
we are going to look seriously at the issue of life insurance costs, which is very sensitive for the French,
" he announced. With the ACPR, the bank policeman, "
we are going to increase the number of investigations, checks and questionnaires in 2022
". "
It is not necessarily a question of lowering costs because the work of life insurance deserves remuneration, but it is a question of being transparent (...) and that they are fair,
" he said. he continued. An inventory with recommendations will be published during the year 2022, announced the governor of the Banque de France.
François Villeroy de Galhau also mentioned a “
case-by-case solution
” concerning the heads of companies who would not be able to repay their loans guaranteed by the State (PGE) by March 2022. “
The situation of companies seems to us more robust, including SMEs, as could be feared
", he declared, assuring that there would be no"
tsunami of bankruptcies
".
In addition, with the approach of Christmas, the Bank of France warned about check fraud.
"
It is at the same time the least used means of payment but the most defrauded
", affirmed François Villeroy de Galhau.
The Banque de France thus recalled "
a certain number of common sense tips
", starting with "
well fill in the sections in black ink
" or "
absolutely avoid cashing a check that has been given to you by a third party.
".