Rapport de la mission sur la modernisation de la distribution du livret A et des circuits de financement du logement social

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A la suite de la décision de la Commission européenne du 10 mai dernier, demandant que la distribution du Livret A ne soit plus le monopole de La Banque postale, des Caisses d'épargne, et du Crédit mutuel s'agissant du Livret bleu, le Premier ministre a confié à M. Camdessus la mission d'étudier, en concertation avec l'ensemble des acteurs concernés, les modalités d'une réforme de la distribution du Livret A afin de se mettre en conformité avec les règles communautaires, tout en préservant les missions d'intérêt général de financement du logement social et d'accessibilité bancaire. Ce rapport rend compte des conclusions de la mission. Il examine l'objectif de modernisation et d'amélioration des circuits de financement du logement social et souligne la nécessité d'une réforme d'ensemble du circuit de financement du logement social pour accompagner la généralisation de la distribution du Livret A.

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Publié le 01 décembre 2007
Nombre de lectures 16
Langue Français
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   # !%&"!%  $$!#  & ""!%  & !%"#"!%  & "#"#"!%  &"'#  #  ""#  "%%%#  &!%# !"&         >    23   ,     +      ,  (   3 3 $       .  .   1    2 9( ;  5   , ; 3( 1 .  3(E ;  F2 >      ,     1   F 3($
  E  >   2  , 1 2  *   ( . 1      +$     :  @  (     ( ,  ,  1 $    2  (    ; 3  2 E  E 4 3 3   ,  $    ((E  *:  +E   31 !  3    ,  GE     3  % H  (   6  ;   7  ,1   $       +     ,  GE    2  ,I   ; .   $   E E 2    , 2  : ;  3 IE 34 2  3$  1  1 4  ;  2 3  3 *       2 3  3  $
 
 
  
 J J J          
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    ,  (   + ,, K   + ,,    2   : ,$ B     ,, 23;  2      1   34  ;    @   ,,  ,  ( E ?     . $
 B    4 2   F2 > E    E   3(    E   .         E  23   ;  3   E 1 23  , (   L:$
  ,, ,,  22    4 1E        K     ;  $
 
     ,  22  $
  1   1   ( 2E  ,E  3,, 1         $ B  ,, , E     :2  ,+E    E  1:E , $  (  :E E . ,,  ,   .1      1 $ + !"!E    1  ?4  ; ""H? 31+ ,,$     E  , , 2 (    ,     @    ,   .E 3 (1$ C  1 E    3   + E    $  E , ; 3  ( ((E   ,E  E 1  ,    ;  - * $
  1 E  . E 3      :+$   (     (      E  1   : 23 , ( (  3$  - 1  E E ;  +1  * I  1  2 3 3    3M   ($  ,E  3    3(  E   1  $    93: ;  (1 2  ,   2  $ 4 , ; &"   . .  4  A8E<" H   G   !E<" H   ( 3  ?>B?0E     ;  ,  ,  2  :(       &"    3  .     31 $            (   1  (    ,,     (  , , . :(    3   $  (       1  2     2   9;   $
  
'
 )   3   $ B ,  3(   -      1,$    -        .4      ,  .  1  K  ( (  1     1      $
 B , ,   ;    @ 31  ; 3     , E *    ( (  3  2    ; *     :E   + 2E ;  E  ,  1. ( 3G    3,,   . E  ;   $
 J           J J    1. .2    1  2E 2 2   ,,E   1  4 $      1$
 
 1B   3     2 31  2   ,,  3   23 E   ,,  (,$  1 E  E   2  $  +  ,  (   3  (   (   K  1 ?   ? * 4    3 4 .     ,  *+$  2  1 12 N
?   2  6  7E 1 2  2  :O   .  1     +   1 K
?     ,,1 ;   K ?  , 3  1     ,  ( $
      2  6  7  4 E   2 1 E ;   3.    E ;  ,,  1(. 1   1 E ,E   1 E    23   1  ,E  ,  ( $
 
  
 1  :E  F2 > E    1 2E  3  B  E   3(E      ;    1 ?   E 2  1  . %    F2 >      ? ,      ;   1. $
 
 1B    ,  ; 3 2 3   ,     3, 2 +1 3   ( $ B  ;  (   , 1    2   .  1     1 .  3 E   .  4 . G 3 $    93: (  $ B     32     $ 93:E  2   3(      1  - %""  3  . 6 , 3( 7  :(  ,  G K    E8" H 1 ;  F2 > - '%"  3 $  3  1  *  1    1  3E     3(   1  ; (   E  3 3  2    1        1   3    ;   .     , ;  -$ 3(  .  1 E   1   , *  (   5  1  .  3 2      6  7$ B      2   , 2   I  3.   +      ;  1 9 , ?  .  3,    ;   + @     ;      :$
 
 1  E ?  4  ; "E&" 3(  H 3  1  1 2    E   2     E        (1   1 *   E!H ;  .  "E&"H$
 
 1 , 1 4  3 3 (  , 3( (E .1   -. :P$  , ;       2 :  (  . 2 1 :O  1$
        1 2      (  1,    ( E     3 ,,  @      @$  ,
  
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E E 4  ; ,  ,     ,.    (1E  (     6 , 3( 7$ B    ; 3: E                3        @$ >  .      E     3  E     , ;  (   E  $   31( 31  E    1 (.   3  3,,  (       ,  2     ($
 3(       1 E       .      , 2E  ,E 3   "" H   3  " H$ B  .     ?E  ;  :  ;  E  ,  $
 
 13    *2   ,      E 1   ( 2E        :       :2E   +    .   :E 4  3   2  .  3  ; 4 ,    : $,    3 , 91   ,,      1 1   +  (+  3      ,,  E    2   2  1   6 C1 7 2  F2  5  4 ;   2 E      E 3  ,, ,  + 2  31 $
  J         J J     1    E   3 ;  2   1   3 2 N
$ ? *:  +?  3    -    ! Q  E    :  32  ,  (    M 1(  :(    ,1 K
!$  ,  ,  3( ( 2   (+        2       - K
  
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8$ 31 ;  1.     . :  ,       3  K
&$  1 1 1 3  K
%$      (   E 3 1 1 1 3 .   ( K
'$ 3.   ,  *  ;       @   (  ,  (  K
$   3(    F2 >     , 2   .$  J           J J  
  
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