Banking operations, credit operations, leasing, credit promise, payment services, SEPA, Single Euro Payments Area, credit institutions, banking law, Monetary and Financial Code, credit lease, overdraft facility
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Abstract
This article discusses various banking operations and payment services, including credit operations, leasing, and credit promises as defined by the Monetary and Financial Code.
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[...] However, the use of a lease is a sunk cost operation. The company spends money without having full ownership of the property and will not be able to benefit from a capital gain when reselling the property that it did not buy. - Borrowing funds to acquire the building from a bank: The use of a loan to acquire a property requires, on the part of the borrowing company, a certain form of constancy. It must not decide too quickly to change premises. [...]
[...] It therefore needs money to manufacture the biscuits and fulfill its obligations to the Giratoire company. It then cedes its claim to a refinancing company, which, in return, will pay it the price. The companies that proceed with the treasury refinancing are the banks and the factoring companies. They then cover at maturity, the amount concerned. These operations of assignment of claim have mainly taken place in banking matters, through Dailly invoices (created by the law of 2 January 1981). This practice is also often based on [...]
[...] Why distinguish between payment services and payment banking services? The payment banking services have a limited scope: that of the cheque. The cheque is now the the only banking payment instrument stricto sensu. Other payment services, whether it be a transfer, a direct debit notice or a payment by card are no longer considered to be within the monopoly of credit institutions. The Directive SEPA had as its main objective to operate a décloisonnement of these activities. Prior to this, all the aforementioned payment services constituted, in Europe, of the banking operations. [...]
[...] The cost of the infrastructure is in fact particularly high. Therefore, we must read article L311-3 of the Monetary and Financial Code knowing that cheque is now the only banking payment service. Credit institutions thus have a monopoly in this matter. [...]
[...] The directive creates a regulated status of [...]
