Worrying trend reversal. After several months in the green, indicators of wage guarantee scheme (AGS, the employers' organization which pays wages and severance payments of bankrupt firms) have almost all switched back into the red the first three months of this year. A result of concern that does not bode well for the situation of companies in the aftermath of the second round of the presidential election

.

The AGS notes and "the provisional figures of the first quarter 2012 (ended March 31) already indicate an increase in the number of bankruptcy." No fewer than 4,000 cases have been opened between early January and late March, representing a significant increase of 6% compared to first quarter 2011. The AGS, which is funded by a mandatory contribution of 0.3% of payroll for all companies, still observed a decrease of about 15% of openings in bankruptcy late last year ….. ……

This observed increase of 6% in early 2012 is identical in terms of the number of backup procedures and recorded the number of beneficiaries. So that 12-month rolling the number of employees who received the AGS rose 0.2%, to be around 265,000 people. As for the total amount advanced for a year (wages, notice and / or indemnities companies in backup procedure and then declared in liquidation / receivership), it has also advanced 0.3% to reach almost 2 billion euros. Only positive of this blackboard of the French economy, the amount of recovered debts from businesses assisted (AGS is repayable advances) rose sharply, by 3.3% in annual development. It now stands at almost 700 million euros.

Essentially TPE

There is however little change on the size of companies that use the backup regime. This is still an overwhelming majority of small establishments. Less than 10% of collective proceedings opened in 2011 were indeed concerned companies over 20 employees. More than eight out of ten cases treated were for companies with fewer than 10 employees.

According to data as of March 31, the Rhône-Alpes, Provence-Alpes-Cote d'Azur, Ile de France and Aquitaine still focus 40% of backup procedures started rolling 12 months. The AGS note, however, "significant increases" the number of procedures in the Pays de la Loire, in Picardy, in the Midi-Pyrenees or in Lorraine.

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Like it or not, a sort of "peer government" is trying to establish in Europe. No national economic policy can now be released from the judgment of its neighbors and European authorities themselves, for better or for worse. While Spain had suffered fire Tuesday in financial markets, with the key rumors of a possible bailout like the programs in place for Greece, Ireland and Portugal, the German Government and the European Central Bank have seen fit to act as surety moral Wednesday, and in almost identical terms.

"Spain has undertaken major reforms in several areas, including finance, labor market and the banking sector," said Johannes Blankenheim in Berlin, the spokesman of the Ministry of Finance. "We regret that the markets have not yet acknowledged the enormous reform efforts," he added.

Almost simultaneously, but in Paris, Benedict Cœuré, one of six members of the ECB executive, developed the same argument. "The new government (in Spanish) has taken strong decisions … What is happening in the markets does not reflect the fundamentals (of the Spanish economy)." And the ECB representative, who attended a conference organized by the AFTE (French Association of Corporate Treasurers), joined the action to the word: "The ECB could intervene? We instrument for this, programs to purchase securities in the market, which has not been used (since February) but can be. "

The situation remains fragile

These words produced an instant effect on the markets. Yields on bonds of the Spanish State, which had peaked at 5.99% on Wednesday morning, retreated to 5.82%. However Italy has seen its borrowing rates harden, and the eight billion shares to twelve months were subscribed at a rate of 2.84% instead of 1.40% during the similar issue launched in March, while its refinancing conditions had steadily improved since the beginning of the year. This is clear proof that "the situation remains fragile … Governments must continue the efforts already made to restore sound fiscal positions and support the long-term growth," added Benedict Cœuré.

The roadmap on which governments will be judged by the markets is twofold equally important: first reductions of deficits and the other structural reforms likely to revive economies. Thus the European Commission Wednesday she said "the very important reform of the labor market" set up by Madrid, having welcomed the measures announced Monday savings in health and education, a total budget of 10 billion euros.

As president of the French Banking Federation and head of Societe Generale, Frederic Oudéa says the same thing: "You have come to show the markets that the trajectories become virtuous, and this requires a number of quarters to show that results are well go, "he said Wednesday on BFM Business antenna.

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Boost growth at any cost. After a disappointing year in 2011 – the gross domestic product grew by 2.7% against 7.5% last year – Brasilia announces stimulus plan to support the industry and allow an increase in activity of 4 , 5% in 2012.

By injecting about 60 billion reais (25 billion euros), the President wants Rousseff repeat performance of its predecessor, Luiz Inacio Lula da Silva, 2008: Brazil to get between the drops of the global economic crisis. National investment bank BNDES sees the wheel of private loans increase by 45 billion reais (18.6 billion euros), 15 industry sectors will be exempt from social security contributions and the State agrees to purchase priority of goods produced in the territory.

Meanwhile, Dilma continues to operate the monetary lever, lowering the base interest rate, now 9.75% – 4.5% inflation counted once. The goal is to break the vicious circle that kept at a level astronomical, on behalf of the fight against inflation, making financial investments more profitable than productive investment. Due to the low wages offered by European and American central banks, Brazil has become a magnet for capital. The massive influx of foreign currency caused an overvaluation of the real, local currency, draping business competitiveness and pushing up the debt service, at the expense of public investment.

Modernize infrastructure

Beyond the exchange rate, the "Brazil cost" is mainly caused by poor infrastructure cash advance loan. Lula and Dilma have realized by increasing the action of the State, through the Growth Acceleration Program (CAP), to improve the quality of roads, airports, bridges, and thus lower the costs of export. "But this is not enough: the investment rate is 20%, it would have to reach 25% if growth takes off," Roberto Messenberg tip, an economist at the National Institute of Economic Research (IPEA) .

If the response to stimulation of the supply train, Rousseff account on demand. In recent years, household consumption has increased faster than growth, thanks to better distribution of income, profit social policy and rising wages. Consequently, the credit showed an increase of 20% per year. To maintain this pace, the government has pushed the two leading public financial institutions, the Bank of Brazil and the Federal Economic Fund, to announce a drastic reduction of interest rates for consumers and small businesses. He hopes that private banks will follow, to capture those 50 million potential customers from the "new middle class" are qualified as having acceded to the poor consumer.

The main advantage of the government is public confidence. Despite slower growth, hiring continues, and the popularity of the president has set a new record in March, 77% of Brazilians plébiscitaient his way of governing the country.

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CEO of the Caisse des Depots since 2007, Augustin de Romanet takes stock of his term as head of the financial institution publique.Il defends a vision of long-term, theme also of his book, "Not to thirty painful" , to be published next month by Plon.

LE FIGARO. – March 2007-March 2012, your tenure as head of the Deposit has been essentially that of crisis management?

Augustine ROMANET – The first thing I did upon arriving was to establish a strategic plan, the first for twenty-five years! This plan was conceived before the outbreak of the crisis, which was a chance: we had in effect given to this house a solid foundation and then through the turbulence. If the five years of my term were five years of crisis in the Deposit, then this is the etymological sense: krino, reinte? Prevention.

How have you adapted to the CDC this time of crisis?

In 2007, it was obvious that the economy of debt had reached its limits. We have defined ourselves as a long term investor, a term that might seem strange. It was taken by the Act of August 4, 2008 and came into common parlance. The mission of the Deposit is one that expresses its social utility, the provider of capital to long term, the first in the country through its various tools. We also have modernized the governance of the institution for its action is no longer subject to suspicion.

The bailouts of Dexia, the down payment in the Post, the interventions of the Strategic Investment Fund (ISF)? CDC does she not done too much, at the expense of financial security?

No. The Deposit is not weakened. Its capital is now greater than 2 billion euros to what it was in 2006. However, they are now just below the level set by the supervisory model, which has just been arrested. This means that the CDC must make choices. Through the savings fund, it is the largest financer of social housing. It will become a major player in financing local government, with the Post Bank. It is the largest investor in the territories, the majority shareholder of ISP and 26% shareholder in the La Poste group and 27% of OSEO. It will be a key player in the Greater Paris, through Icade and Egis. She manages on behalf of the State 8 programs of large loan? It is not a vision that eluded him.

Does the ISP also been at full strength? The state or parliamentarians might have wished that more intervention. Did you have to refuse certain files?

The debates were sometimes harsh. But at no time, as chairman of the board of the ISP, I had to put the state in the minority. We always found a consensus. The interest of companies brought together the State and the CDC in this tool is an outstanding success.

Beyond the ISP, what were your relations with the state?

They are reminiscent of rugby: it's not because the contacts are honest and manly that it is not a sport of gentlemen fast cash advance. That the Deposit respects the State, it is natural, but the state also met the Deposit during these five years.

The CDC will announce she losses for 2011?

No. It will be beneficial, probably close to 200 million euros, despite the loss of Dexia. This is good news. I add that no longer exists on the balance sheet of the institution any impairment that would have been deferred.

How Dexia Will it cost in total to the CDC? Do you have any regrets about the management of this file?

The Taking-is not coming. Dexia maintains a value, and I will not speculate on his future today. Regarding the past, even if mistakes were made, I refuse to take the easy way of anachronism, to rewrite the history of Dexia before his first save of 2008. And I assume, for having sustained the strategy? CARRYING since.

You were a candidate for a second term. How did you feel the decision of Nicolas Sarkozy not to renew?

Probably because I am attached to this institution, I felt this moment with surprising emotion, as I had convinced myself that I did not own my post. The decision, I always say, is the President of the Republic. So I did not comment on it. I leave calm, and proud of the work.

CEO of the Caisse des Depots is a political post?

Yes, of course! In the best sense. The policy, it is the duty of the synthesis of opposing views in search of general interest. It is also the action. At the Deposit, which combine the financial strength, the diversity of stakeholders and quality of staff, the task is exhilarating.

Are you running for the leadership of CNP Assurances?

I have personally expressed to each member of the Appointments Committee.

As a director of Veolia Environnement, were you in favor of the appointment of Jean-Louis Borloo at the head of this business? Have you supported the approach of Proglio who also chairs the Nominating Committee of NPC?

I resigned from the Board of Veolia on February 29. The suspicion that some sort of Faustian pact with Proglio is unfounded and insulting to him and for me.

What recommendation would you give to your successor?

Research of general interest means being responsive to all stakeholders of the company, the actors of the social economy to the leaders of the CAC 40, the elected leaders of rural communities to SWFs the planet, it should be remembered that they manage resources to invest in our country.

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The streets of Athens and Thessaloniki were ablaze in the night, when MPs voted in favor of a new austerity plan. After heated debates within the precincts of Parliament, the austerity measures imposed by the European Union and the International Monetary Fund was adopted by a majority of 199 votes out of 300 MPs, including 278 in attendance. The pressure weighed heavily on the members. In fact, the leaders of the Socialist Party and the rightist New Democracy, meeting within the ruling coalition, have warned that they radieraient members of their camps who would vote against the text. Of the 236 deputies concerned, a score of 21 members of socialist and right were therefore excluded from the ranks after the parliamentary vote.

Before the vote, the Greek prime minister, Lucas Papademos, had also hammered the Greek deputies "will take responsibility" and "define the most important choice" for Greece, "move to Europe and the single currency" . Government members have indeed hammered if the austerity plan was not passed, the country would be forced to declare themselves insolvent and out in the longer term the euro. Athens must indeed pay 14.5 billion euros in March, but its coffers are empty. Troika has called for new austerity measures in exchange for the release of its indispensable assistance of 130 billion. After the vote tonight, the Eurogroup could meet on Wednesday to give the green light to disburse it. Also requested consideration by private creditors, which should reduce the 100 billion euro debt.

Specifically, the measures include the reduction of health spending (1.06 billion), military (300 million) and reduced wages for young and pensions. A cocktail that does not pass to the people, who began hitting the streets in the afternoon yesterday. By late evening, scenes of chaos were observed in Athens on the sidelines of the anti-austerity, which gathered 80,000 people according to police, during which 54 participants were injured and buildings and shops burned. In Salonika, 20,000 demonstrators were reported damaged and six banks. Greek Prime Minister condemned these events, noting that "violence and destruction that have no place in democracy."

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Crisis requires, the French are tightening their belts. And budget decisions affect more and more health spending. Some are also willing to do without doctors when sick. Today, one third of French people use the Internet to seek health or medical information, both for themselves and for their families, according to a survey ViaVoice for Group Mutual Pasteur published last week. "Supervision fee may cause some patients to delay seeking and waiting to see if symptoms persist," said Dr. Bruno Gaudeau, President Pasteur Mutual Group, insurance group insurance healthcare professionals.

Involved, mainly: rates of complementary health. Since October 1, the tax on these insurance products increased from 3.5% to 7%. Higher than the mutual claim to be forced to pass on to policyholders. They argued that the additional health premiums expected to go higher than 4.7% on average in 2012. The delisting of many medicines also weighs on the budget of the French. Even the generic – these drugs cheaper than the leading brand products – have suffered in 2011: 614 million boxes were sold, against 630 million in 2010, according to the Gem, the union of generic manufacturers.

"It all starts to make money," commented Dr. Bruno Gaudeau, which expects that this mode of "self diagnosis" is accelerating in the coming years. Sites accessible to the public health are increasing and the doctors themselves invest the net. To guide them in this universe, the National Council of the Medical Association (CNOM) has published a white paper in late January. However, according to President Pasteur Mutual Group, users see mostly forums, such as those sites or the Doctissimo Féminin.com, where they can exchange with other Internet users.

Crisis of confidence in the world of health

Another source of information trusted by the French, pharmacists are increasingly in demand. "The medical excess fees are expensive, prompting patients to seek alternatives to conventional treatment pathway," says does one within the National Order of Pharmacists. But the economic crisis does not explain everything. "The French are more and more information from diverse and varied media and need to sort out. That is why they seek advice from their pharmacists. "Finally, the health world is going through a serious" crisis of confidence "in the wake of the scandals of the Mediator or PIP breast implants. "Consumers need to be reassured," says the National Order of Pharmacists. However, a recent study Ifop, 94% of French people say they "strongly" or "somewhat" confident in their pharmacist.

The GP is not great, with a confidence level of 97%. That is why Dr. Bruno Gaudeau looks to the future of the medical consultation with optimism. "If the search for medical information over the Internet has become a common practice, 90% of internet users who use them do so in addition to a consultation with a health professional."

YOUR TESTIMONY – Can you do without the advice of a doctor? Community websites related to health are you useful? Do you trust these platforms? Tell us about your experience in comments below or email temoin@lefigaro.fr.

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]]> http://cw-white-gallery.com/these-patients-are-going-to-doctors-lack-of-resources/feed/ 0 http://cw-white-gallery.com/345/ http://cw-white-gallery.com/345/#comments Fri, 18 Nov 2011 17:44:14 +0000 admin http://cw-white-gallery.com/345/ European markets opened down on Friday. The CAC 40 lost 0.83% to 2985.19 and points in early trade. London also yield 0.81% to 5,379.08 points and Frankfurt 0.84% ​​to 5800.79 points. Despite a week marked by political developments in Italy and Greece, the risk of contagion from the debt crisis strongly disturb the markets. Yesterday, France and Spain have made bond in high yields. Rates in Spain reached 6.975% of never-seen since the creation of the euro and a further step towards the 7% threshold considered dangerous. In the process, Wall Street closed lower and Asia was plunged into the red today.

In Italy, the new Chairman Mario Monti has presented its program focused on "fiscal discipline", "growth" and "equity.""The future of the euro will also depend on what will Italy in the coming weeks," he said. "Europe is experiencing its most difficult years of the postwar period. (…) The European project could not survive a possible collapse of the monetary union. "

The euro rose slightly against the dollar

On the foreign exchange market, the euro rose slightly against the dollar the slope after reaching a low of five months yesterday at 1.3421 dollar. It evolves around 1.3479 this morning but the dollar traders believe that the downtrend remains intact.

On the macroeconomic front, investors will be watching today the publication of the indices of orders received value in the industry for the month of September, published by INSEE at noon.

Technically, the new operator is ready. Its network already exceeds largely 27% coverage, according to industry sources. A threshold that allows it to trigger the negotiated roaming agreement with Orange (the ability to take the Orange network) and open its service throughout France fast cash loans. Commercially, the teams are also in the starting blocks. Free Mobile has largely recruited and now grazes a thousand employees, including over 800 dedicated technical support. After two shops in Rouen and Troyes, a third scheduled to open within a few days in Angers.

However, Louis Giscard d'Estaing is convinced that there is still food for thought in the financing of 35 hours. He will file an amendment in the bill funding the Social Security (PLFSS) for further reduce the limit on exemptions from employer contributions on wages at 1.5 times the minimum wage (currently against 1.6). Which would represent just over one billion euros in savings, if the measure comes into force on 1 January. He even suggested to lower the ceiling to 1.4 times the minimum wage in July 2012 to "give companies time to adjust."The UMP also suggests to "a general movement of the plane of the allocations to the operators of the state" by reducing them to 3% in 2012 payday advance lenders.

"Do not replace two staff on three"

In this area, Hervé Mariton (UMP, Drôme) also proposes to "ease the regulations that impact cost." Other proposals of the Liberal "not to replace two of three officials" and "examining investments less profitable," particularly in the area of ​​infrastructure. "Do not panic about short-term savings. We will be judged on the strength and seriousness of a savings plan in the long term, "said Mariton. Special Rapporteur of the mission work jobs, Chantal Brunel (UMP, Seine-et-Marne) will propose to leave the tax deduction on home jobs "all leisure activities and relaxation."Isabelle Vasseur (UMP, Aisne), Rapporteur of the Finance Committee on Social Security Financing Bill, will propose this afternoon the establishment of "prevention, source of major savings in health" she assures.

The former chairman of the Senate Finance Committee Jean Arthuis think we need to "reduce the amount of grants to local authorities" and "to lower executive compensation operators of the state." Former budget minister, Dominique Bussereau is more cautious: "We are still on the bone. The revision of public policies (RGPP) was very effective, so that the state is under-Box at the local level, "says he.

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Thus, 4800 households taxed at the last tax bracket of 41% and thus have a taxable income of more than 70,830 euros have erased their income tax by the interplay of tax loopholes. 6497 they were last year.Meanwhile, more than 9,000 tax households have reduced their tax between 70% and 100%, according to the report on the 2012 budget Gilles Carrez quoted as saying.

In addition, the report finds that the member tax is proportionally lower in high-tax scale. Thus, households last year at the head of a benchmark tax income of more than 500,000 euros per share had a tax rate of 26% against 28.5% for those earning over 250,000 euros per unit cash advances pay day loan. The explanation is simple: the wealthy derive most of their income from capital is taxed less than income from wages.

The new tax on high incomes should correct these inequities. The tax households reporting between 250,000 and 500,000 euros will pay a tax of 3% and those reporting more than 500,000 of 4%.

But the very high income should continue to be taxed proportionately less.Liliane Bettencourt spends less than 15% of its income for tax purposes against nearly 30% on average for a living part of his work, recently castigated the PS deputy Pierre-Alain Mute. And on the other side of the Atlantic, Warren Buffett has built his own case as a symbol. The latter is crusading for the adoption of a tax on high incomes in the U.S. revealed to have paid $ 6.9 million in taxes, a rate of 17.4% of its taxable income.

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