July 2011
Intermediate to advanced
288 pages
5h 58m
French
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7. Quel index de calcul des intérêts privilégier pour les crédits à court terme ?
7.1. Que penser du TBB ?
L’index de référence le plus utilisé pour les TPE et professions libérales est le TBB (taux de base bancaire). Cet index est utilisé par toutes les banques françaises à l’exception du réseau du Crédit Agricole, au sein duquel le TBB porte le nom de Taux de Référence du Crédit Agricole (TRCA).
Le TBB n’est défini par aucun texte légal ou réglementaire. Chaque banque fixe elle-même librement son taux de base, c’est-à-dire le taux minimum qu’elle entend retenir pour ses crédits, auquel vient s’ajouter une marge commerciale. Par exemple : TBB ...
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