What is the consequence of the prolonged fall in interest rates? A parliamentary fact-finding mission was launched Tuesday at the National Assembly to study the consequences on the savings of the French and to propose ways of modernizing the regulatory framework. This mission, which will associate deputies from all walks of life, is part of the work of the Finance Committee of the National Assembly and is led by deputy Gilles Carrez (LR), who must organize a first framing meeting on Wednesday .
>> READ ALSO - After the drop in Livret A, where to put your money in 2020?
This mission should make it possible to assess the repercussions on savings of the prolonged fall in interest rates and their maintenance at almost zero level, in particular within a regulatory and fiscal framework developed during periods when rates were much higher . MEPs will study - among other things - the economic determinants of falling rates and changes in savings behavior. After evaluating the public policies implemented to adapt to this new environment, they will also suggest ways to modernize the savings policy in France.
Livret A and Insurance at the heart of concerns
This context of very low interest rates has already had notable consequences on savings: the Livret A, a product widely used in France, saw its rate lowered from 0.75% to 0.5% at the start of February to take account of this. context.
In addition, insurance companies, which are struggling to make their customers' savings grow, drastically cut their guaranteed remuneration under life insurance contracts, encouraging customers to invest more in unit-linked contracts. , more risky but also potentially more profitable.