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The online banks will have to convince the French still reluctant. A BVA survey conducted for the Dutch bank ING Direct, four out of five French are not ready to transfer all or part of their funds in a bank online.

Requires close

The first reason given for their refusal is the need for closeness (89% of responses). Even if they are not all satisfied with their current bank, the French chose an institution primarily because it is easy to reach from home or workplace. Then (74%), fear of having no one to contact if problems or unexpected. Finally, the desire to maintain a customized report with a counselor is paramount for 68% of the 736 respondents with an internet connection … and 73% of them feel just as consultants online banks are unreachable.More surprisingly, the French fear the formalities of transfer of accounts and especially the closing costs from their current institution. But the closure of checking accounts are paying more since 2005!

Fresh lean

Yet the French recognize the qualities of online banks. Some like their fee policy on current operations or the free cards are recognized strengths. 35% of respondents spoke as a major factor in choosing a bank. The hourly range is also appreciated. That leaves working on customer relationship … ING, which currently has 750,000 customers in France, with 500,000 more expected within 6 months.

"See the BVA survey for ING Direct

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A rebound in perspective. The Paris Bourse is scheduled to begin this week in the green, having closed sharply lower Friday. After pointing downward, the future will resume within minutes of opening. The CAC 40 gained 0.53% to 3975 points.

This morning the Asian seat ended in a steep downward trend. The Nikkei lost 1.16%. The disappointing results from JP Morgan affect the morale of investors who doubt the health of the banking sector. Friday, Wall Street had already set the tone by closing on a negative note. On Monday, the U.S. places are closed due to holiday.

No macroeconomic statistics that could reverse the trend is expected.

Renault under the microscope

As for values to follow, Renault is expected to turn.Group CEO, Carlos Ghosn, announced Saturday that the new Clio 4 will be made to Flins (Yvelines) and Turkey, without giving further details on the distribution of production at both sites. The reaction of Peugeot will also be expected.

According to the British press, GDF SUEZ is considering a reconciliation with Britain's International Power. The transaction details are not mentioned.

Louis Welsh, CEO of EADS Sunday welcomed signs sent by the client countries of the military transport aircraft Airbus A400M.The France had announced it planned to discuss the cost overruns of the project therefore would not be abandoned.

Air France KLM would react Exchange after publication in the Japanese press of a rapprochement between Japan Airlines (JAL) and Delta Air Lines, which should lead JAL to join the SkyTeam alliance, which includes Air France-KLM.

According to the Tribune, Axa interested in a stake in the giant Russian Aluminum Rusal, which is listed on the Stock Exchange of Hong Kong and Paris (Euronext) next week. Rusal hopes to raise 2.6 billion dollars (1.8 billion) through its entry into the market.

Accor CEO Gilles Pelisson said in an interview with Journal du Dimanche that the group should not be separated from its brands Sofitel and Motel 6.He said the resumption of the hotel market will slow in the first quarter of 2010.

The luxury goods group Compagnie Financiere Richemont announced Monday before market turnover exceeds expectations in the third quarter of 2009/2010. The latter rose 2% to 1.585 billion euros, while analysts expected a decline. For the current year, Richemont gave no forecast

Aeroports de Paris (ADP) after market must publish its traffic for the month of December.

At 18h, Casino and Mercialys publish their figures for the fourth quarter while Soitec unveil his own in the third quarter.

PC producers smile again. According to Gartner, it has sold nearly 306 million computers worldwide in 2009, against 302.2 million units in 2008. An increase of 5.2% in one year. In November, the firm analysts foresaw growth of 2.8% this year. This recovery was mainly driven by a surge in sales of 22.1% over the fourth quarter alone. While the basis of comparison is largely favorable. The global economy plunged into crisis a year earlier, with only 78 million PCs sold in the fourth quarter of 2008 (+1.1% over the same period in 2007).

Today, all regions of the world leave more beautiful. "The United States and Asia-Pacific had already been positive indicators in the third quarter, but fourth quarter results give more evidence of a global recovery," said Gartner analyst Mikako Kitagawa.For the first time in three quarters, in fact, the regions Europe, Middle East and Africa were up in the fourth quarter.

Redistribution of cards

A recovery has been particularly successful in producing Taiwanese Acer. The latter took the opportunity to eclipse Dell's second largest computer manufacturers in 2009, after flying his way to his American rival in the third and fourth quarters. Over the year, Acer has sold 39.897 million in total PC, a jump of 29.4% which enabled him to capture a market share of 13%. Dell, meanwhile, reported sales of 37.355 million computers over the year, down 9.1%. Its market share fell to 12, 2%, against 14.1% a year earlier.

The battle for second place does not seem to affect Hewlett-Packard, anyway. The American manufacturer is sticking to its first place. And by far.The world has sold 58.947 million computers in 2009, registering an increase of 11.3% comfortable compared to 2008. HP wins a market share of 19.3% (against 18.2% last year).

Sales from consumer PCs and cheaper

According to analyst Gartner, HP, Acer and Toshiba, the fifth largest producer with 15.495 million computers sold in 2009, received a "strong consumer demand." The business market, it remains uncertain. This is not the business of Dell, which has mainly specialized in selling office equipment. Finally, Mikako Kitagawa highlights the success of the cheapest PC. To demonstrate the success netbooks, often sold at less than 300 euros, continues unabated.Finally, the launch of the new operating system Windows 7 to fall was a great marketing coup for the holidays.

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INFO FIGARO – As data traffic on mobile explodes, Bolloré Telecom, WiMax champion, believes more than ever the future of broadband Internet wirelessly. Reportedly, the company, a subsidiary of the Bollore Group, has just bought the operator Altitude WiMax licenses of Alsace and Burgundy regions. With this investment, Bolloré Telecom, chaired by Dominique Roux and directed by Marc Taieb, now holds WiMax licenses throughout the country.

In 2006, the company had already won 12 regional licenses for 78 million euros after an extensive bidding. Then in June 2008, she had acquired from TDF's WiMAX licenses in 8 regions.With the two licenses that it just bought at Altitude, Bollore Telecom won the Grand Slam: he is now the only operator with Free, to have national coverage.

In 2006, the telecom regulator (Arcep) was awarded two WiMax licenses by region. Besides Bolloré Télécom, SFR also holds WiMax licenses in two major regions: the Island of France and Paca, Altitude is always a dozen, and several regional councils as they are in Burgundy, Corsica, Brittany and Poitou Charente.

The deployment of Wimax has been delayed, as is often the case with new technologies in telecommunications. But many traders remain convinced of its usefulness. First to cover areas where we can not put fiber optics. WiMax can provide broadband signal wirelessly to institutions (stations, airports, marinas, universities …).It already provides mobile functionality can be later mobility. This technology will also certainly be additional frequency bands classic mobile (3G, 4G …) which, given the explosion of data traffic, arriving almost a saturation in some cities. Finally, the technology of the wireless Internet is extremely useful in developing countries: while they have no or little wired network, WiMax is affirmed to be the best way to bring Internet.

The gross public debt (government, social security and local authorities) continues to rise. At the end of the third quarter, gross debt under the Maastricht amounted to 1457.4 billion, up from 29.4 billion the previous quarter, according to figures published by INSEE on Tuesday. "Expressed as a percentage of GDP, it is approximately 75.8%, up 1.9 points," says the National Institute of Statistics. In the second quarter, the debt had reached 73.9% of GDP.

The increase over the period, less than that observed in the second quarter (61.1 billion euros), was driven in particular by the increase in debt of the state. To finance the budget deficit, the state has cut its debt of 23.4 billion euros.The debt has also funded a stake in the Company making state participation in a French bank, Crédit Agricole 3 billion, INSEE said.

The social security funds have also contributed to the increase in gross public debt to the tune of 5.9 billion euros, "particularly as a result of increased indebtedness of the ACOSS (3, 9 billion euros), "details the INSEE.

The government has included in his bill to finance the debt was still progress to 77.9% of GDP at the end of the year. In 2010, it expects debt to 84% of GDP, without taking into account the large loan.

Moreover, net public debt, which includes cash and short-term is highest increase over the period, the gross debt.It was heavy with 57.1 billion euros over the second quarter, rising late September to 1331.5 billion. In case a "sharp decrease in cash of the State (-28.3 billion), returning to a level close to that of a year ago," said INSEE.

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After rising prices of cafes and restaurants in November and revealed Tuesday by INSEE, they were not going to Bercy auspiciously. Yet, while recognizing that these figures are not up to the commitments, Herve Novelli has not enjoined Tuesday to go further in the final statement he prepared to lower the VAT in catering. Aware of the difficulties of independent schools, the secretary of state for trade and was merely asking restaurants to moderate their rate increases at inflation for the year 2010.

The prices charged by restaurants and cafes have indeed increased by 0.1% in November, according to Insee, an increase equivalent to that recorded by all consumer prices.A study of services Bercy, 55% of restaurants only have indeed lowered their prices in line with commitments made in consideration of the reduction in VAT. In total, since 1 July 2009, a rate cut by the restaurants alone amounts to 1.41%, while that seen in cafes amounted to 0.95%, INSEE showed. These figures are actually far from the 3% who had committed coffee shops since July.

If the price cuts and hiring remain "midway" of stated goals, Herve Novelli Welcomes however, the wage agreement reached Monday by the social partners in the sector.Described as "historic" for the many benefits it provides to employees – annual premium of 500 euros, two days of additional leave, starting salary grid systematically 1% above the minimum wage … – it remains fragile, the main employers' organization has so far refused to sign.

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The overall ceiling of tax loopholes Will it be lowered? The UMP general rapporteur of the Committee on Senate Finance, Philippe Marini, filed an amendment to that effect to the draft budget for 2010. He wants the overall cap, currently 25 000 plus 10% of income goes to 20 000 plus 8% of income. "The expected savings for the state are not huge. But this measure reflects our desire to limit the tax loopholes, "says Philippe Marini. And the senator also wants reform of the Scellier back to the original text submitted by the cabinet in September. The government had planned to turn green when the device supporting the rental investment, making it less attractive for homes not meeting the standard "low consumption". But the National Assembly had then reduced the impact of greening.However, Philippe Marini supports the amendment adopted by the Assembly of taxation benefits and work accidents. And he does not wish to return, for now, on the measures which the Assembly amended the tax shield (100% inclusion of dividends in the income deficit due one year on average). The question now is what will decide the Finance Committee on Tuesday and above all sitting senators. For his part, the president of the centrist finance committee, Jean Arthuis, will introduce his amendment removing the TFR, all being funded by the end of the tax shield, creating a sixth installment of income tax and higher taxes on capital income. Without any illusions about his fate.

Warren Buffett appears on the asset markets. The American billionaire accelerates its positions, as evidenced by the amount of shares of its holding company Berkshire Hathaway, which jumped 15.6% in three months, reaching $ 56.6 billion at the end of September. The investor has almost doubled its particular contribution (up 90%) in the giant U.S. supermarket chain Wal-Mart, according to documents sent Tuesday to the SEC, Constable Exchange overseas.

After this increase, Warren Buffett owns 37.8 million shares of Wal-Mart, or 0.97% stake in Arcelor. The leading global distribution on Thursday presented the results for the third quarter better than expected, but he was cautious about its outlook for the holiday season, and all of its fourth quarter.Wal-Mart, which weighs 205 billion dollars to the New York Stock Exchange, plans to pay shareholders more than $ 4.2 billion in dividends for fiscal 2010, which ends late January. The group also announced this summer it will spend $ 15 billion for share repurchases, which contributes to support the title on Wall Street, where it currently is trading against 53.53 dollars.

Nestle, Exxon Mobil, Travelers and Wells Fargo seduce Warren Buffett

Among other paris of American billionaire is Nestle. Warren Buffett has indeed acquired 3.4 million shares of Swiss food group, which has therefore 0.09% of the shares.The Oracle of Omaha already has a stake in rival Kraft, which recently launched a bid for the British confectioner Cadbury rejected by the latter for being too low, which has revived speculation about Nestlé, which some would well tried his luck to turn on Cadbury.

But Warren Buffett has eased its position in ConocoPhillips by 10%. The billionaire has therefore now 57.4 million shares of the oil, that is to say 3.87% of the shares. In this sector, he also took an initial stake in Exxon Mobil, buying 1.28 million shares, or 0.027% of the capital of the oil. For the first time, he entered the capital of the insurer Travelers, which acquired 3.4 million shares.

During the quarter, Warren Buffett has also conducted an operation in the banking sector, emerging more or less difficult of the crisis.It has strengthened its 3.6% stake in the bank Wells Fargo, which now owns 313.4 million shares, or 6.69% of capital.

The activity of billionaire American markets continued after the end of the third quarter. Warren Buffett has announced November 3 last it would acquire all 77.4% of capital it does not already own in Burlington Northern Santa Fe This acquisition represents the group's rail investment estimated at 44 billion dollars.

The priority project to reform the finance chair of Obama might derail in Congress. Supposed to address the causes of the banking crisis that has triggered a global recession, this reform presented in June by Treasury Secretary Tim Geithner, was nevertheless well on in the House of Representatives. In the Senate, however, as in the case of health reform, things get complicated.

The chairman of the Banking Committee of the Upper House, Democrat Christopher Dodd has introduced a very different text of the draft Administration and Obama much more radical. His project, no Republicans rally seems further divide the Democrats the majority. The objective of Barack Obama to enact a law by Christmas is compromised because the vast open debate by Chris Dodd could drag on for months.The Senate and House of Representatives, each on its own agenda, must agree on a common text.

Dodd, Senator from Connecticut, neighboring state of New York resident and where many Wall Street professionals, wants to give the dish any system of regulation of American finance. His most controversial proposal is to remove the Federal Reserve full competence in supervising banks. The Fed does not deal more than monetary policy, what Barack Obama wants to avoid. Dodd calls for consolidation into a new super agency to monitor banks, functions now split between four agencies.

Two points of agreement

The senator vowed Tuesday that he did not seek in any way to "punish the Fed, even if it was a" complete failure "in its mission of regulating banks.Chris Dodd also said he was not attacking "individuals or personalities, but the system architecture. A precision is useful when Ben Bernanke, the Fed governor, will testify before Congress at the end of the month for renewal of its mandate.

The blueprint also provides for federal regulation of insurance companies. So far these are the U.S. states regulate insurers. For prevention of systemic risks, he proposed a new agency specializing in surveillance of the largest banks. It would, in retrospect, these establishments to fund the eventual rescue of one of them.But to better ensure that the taxpayer is requested, the rival project of the House, instead stating that a fund maintained by these banks too big to fail accumulates in advance the resources needed for a rescue.

Two points of agreement exist however between the Obama Administration and the powerful senator. The first is the creation of a new agency that specializes in the regulation of financial products distributed to the general public, such as mortgages or credit cards. A proposal was however rejected by the Republican camp. In addition, Chris Dodd accepts the principles of management salaries and bonuses for bankers posed by the White House. It is forcing banks to greater transparency and allow shareholders to vote on remuneration issues.

But the boards would retain the discretion to overrule.However regulators may prohibit any compensation deemed "excessive." Finally the most senior officials of banks would be forced to surrender their salaries awarded in the event of subsequent review of company performance.

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