{"d":{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Subject(ID=52275L,Language='FR')","uri":"https://ws.parlament.ch/OData.svc/Subject(ID=52275L,Language='FR')","type":"itsystems.Pd.DataServices.DataModel.Subject"},"Meetings":{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Meeting(ID=4449L,Language='FR')","uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4449L,Language='FR')","type":"itsystems.Pd.DataServices.DataModel.Meeting"},"Sessions":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4449L,Language='FR')/Sessions"}},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4449L,Language='FR')/Subjects"}},"ID":"4449","Language":"FR","MeetingNumber":11,"IdSession":5108,"SessionNumber":8,"SessionName":"Session de printemps 2021","Council":1,"CouncilName":"Conseil national","CouncilAbbreviation":"CN","Date":"\/Date(1615766400000)\/","Begin":"1430","Modified":"\/Date(1618391003747)\/","LegislativePeriodNumber":51,"PublicationStatus":"final","MeetingOrderText":"Onzi\u00e8me s\u00e9ance","SortOrder":11,"Location":"N"},"SubjectsBusiness":{"results":[{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20217267,IdSubject=52275L,Language='FR')","uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20217267,IdSubject=52275L,Language='FR')","type":"itsystems.Pd.DataServices.DataModel.SubjectBusiness"},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20217267,IdSubject=52275L,Language='FR')/Subjects"}},"Businesses":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20217267,IdSubject=52275L,Language='FR')/Businesses"}},"IdSubject":"52275","BusinessNumber":20217267,"Language":"FR","BusinessShortNumber":"21.7267","Title":"Postfinance : taux d\u2019int\u00e9r\u00eats n\u00e9gatifs d\u00e8s le 1er franc","SortOrder":1,"PublishedNotes":null,"Modified":"\/Date(1615567132746)\/","TitleDE":"Fragestunde.\nFrage Nantermod Philippe.\nPostfinance.\nNegativzinsen ab 1 Franken","TitleFR":"Heure des questions.\nQuestion Nantermod Philippe.\nPostfinance. Taux d'int\u00e9r\u00eats\nn\u00e9gatifs d\u00e8s le 1er franc","TitleIT":null}]},"Transcripts":{"results":[{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Transcript(ID=279058L,Language='FR')","uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=279058L,Language='FR')","type":"itsystems.Pd.DataServices.DataModel.Transcript"},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=279058L,Language='FR')/Subjects"}},"MembersCouncil":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=279058L,Language='FR')/MembersCouncil"}},"Businesses":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=279058L,Language='FR')/Businesses"}},"ID":"279058","Language":"FR","IdSubject":"52275","VoteId":null,"PersonNumber":512,"Type":1,"Text":"<pd_text><p>En tant que banque d'importance syst\u00e9mique, Postfinance doit constituer les fonds propres r\u00e9glementaires dont elle a besoin et satisfaire aux exigences strictes du march\u00e9 financier en vertu des r\u00e8gles \"too big to fail\". Avec son mod\u00e8le commercial limit\u00e9 - qui ne pr\u00e9voit pas d'octroi ind\u00e9pendant de pr\u00eats et d'hypoth\u00e8ques -, elle g\u00e9n\u00e8re des revenus de plus en plus faibles, dans un contexte de taux d'int\u00e9r\u00eat toujours bas. La Poste et Postfinance ne sont pas en mesure de satisfaire par leurs propres moyens aux exigences de fonds propres r\u00e9glementaires de la Finma pour constituer le capital d'urgence.</p>\n<p>En janvier 2021, le Conseil f\u00e9d\u00e9ral a donc d\u00e9cid\u00e9 de r\u00e9viser partiellement la loi sur l'organisation de la poste pour permettre \u00e0 Postfinance d'octroyer des hypoth\u00e8ques et des cr\u00e9dits de mani\u00e8re autonome et pour soutenir la Poste avec une garantie de capitalisation dans la mise en oeuvre des exigences \"too big to fail\".</p>\n<p>Il est compr\u00e9hensible que le durcissement des conditions impos\u00e9es \u00e0 la client\u00e8le commerciale concernant la commission pr\u00e9lev\u00e9e sur les avoirs, annonc\u00e9 par Postfinance \u00e0 partir d'avril ou mai 2021, d\u00e9clenche des r\u00e9actions n\u00e9gatives [PAGE 439] parmi les principaux int\u00e9ress\u00e9s. Cette mesure est - faute de meilleure alternative - un \u00e9l\u00e9ment de la strat\u00e9gie de Postfinance visant \u00e0 r\u00e9duire les besoins en capitaux propres. Elle devrait encourager les clients \u00e0 d\u00e9tenir moins de liquidit\u00e9s aupr\u00e8s de Postfinance et contribuer ainsi \u00e0 une r\u00e9duction du total des actifs.</p>\n</pd_text>","MeetingCouncilAbbreviation":"N","MeetingDate":"20210315","MeetingVerbalixOid":3392,"IdSession":"5108","SpeakerFirstName":"Simonetta","SpeakerLastName":"Sommaruga","SpeakerFullName":"Sommaruga Simonetta","SpeakerFunction":"BR-F","CouncilId":99,"CouncilName":"Conseil f\u00e9d\u00e9ral","CantonId":2,"CantonName":"Berne","CantonAbbreviation":"BE","ParlGroupName":null,"ParlGroupAbbreviation":null,"SortOrder":1,"Start":"\/Date(1615821820389)\/","End":"\/Date(1615821928669)\/","Function":"BR-F","DisplaySpeaker":true,"LanguageOfText":"FR","Modified":"\/Date(1774877056886)\/","StartTimeWithTimezone":"\/Date(1615821820390+0060)\/","EndTimeWithTimezone":"\/Date(1615821928670+0060)\/","VoteBusinessNumber":null,"VoteBusinessShortNumber":null,"VoteBusinessTitle":null}]},"ID":"52275","Language":"FR","IdMeeting":"4449","VerbalixOid":644878,"SortOrder":34,"Modified":"\/Date(1774877056875)\/"}}