Par François Villeroy de Galhau. 27/11/2020. Entretien fleuve ! [1] After earning his French baccalaureate degree at the Lycée Saint-Louis-de-Gonzague, and his engineering degree at the École Polytechnique, he studied at ÉNA (École nationale d'administration) from 1982 to 1984. On top of this, in our day-to-day supervision, we apply the regulation using a proportional approach. François VILLEROY de GALHAU Notre objectif n'a pas été de donner aux marchés ce qu'ils attendaient. François Villeroy de Galhau, prochain gouverneur de la Banque de France ? On ne peut pas l'annuler car quand on a créé l'euro, on a mis en place un pacte de confiance qui ne permet pas l'annulation. Il est élevé à la dignité de maréchal de France au printemps 1693. The 2018 task force on artificial intelligence led to the publication of a first report, and in turn to the launch of experiments with volunteer players, which shall continue in new forms next year. But what, I hear you ask, are you doing concretely to help the Fintechs in their development? ENTRETIEN. And they bring to the forefront French scientific expertise and technology: artificial intelligence, cryptography, distributed ledger technology, etc. Le gouverneur de la Banque de France rappelle les règles qu’ils devront respecter s’ils veulent qu’elle existe. Je vous les présente au nom des femmes et des hommes de la Banque de France et de l’ACPR. This strategy notably combines three elements: 1/ European regulation on stablecoins: on 24 September, the European Commission published its MiCA project, which in our view provides a good basis for reconciling innovation with consumer protection and financial stability. François Villeroy de Galhau proposé au poste de gouverneur de la Banque de France. Extrait ️ 15m39s - On le voit très peu dans les médias, pourtant François Villeroy de Galhau est à la tête d’une structure dont on parle tout le temps : la Banque de France. And recently, Paris was selected alongside Frankfurt to house the European branch of the BIS's Innovation Hub. François Villeroy de Galhau has been Governor of the Banque de France since 2015. * * * Ladies and Gentlemen, I am delighted to be with you today. ENTRETIEN. Retrouvez tous les livres de l'auteur : François Villeroy de Galhau. François Villeroy de Galhau has been Governor of the Banque de France since 2015. Mon objectif avec ce livre est de dire pourquoi nous devons et comment nous pourrions retrouver confiance en l’économie. BIS statistics on the international financial system shed light on issues related to global financial stability. If necessary, the Eurosystem could decide to issue a retail CBDC to ensure the general public have access to central bank money, especially in countries where cash payments are in decline. We are talking about Regtech and Suptech. Diriger la Banque de France, c’est d’abord animer près de 10 000 hommes et femmes très divers et très experts. Trois soldats français tués dans la zone des "trois frontières" au Mali. Restez en contact avec la Banque de France. François Villeroy de Galhau a aussi renouvelé l'engagement de la BCE à poursuivre sur une longue période sa politique de soutien à l'économie européenne. The BIS recently underlined this complementarity between public and commercial money in its report published on Friday. The general principle of "same activity, same rule" must apply. I would like to turn now to a subject that is closely linked to Fintechs: payments in the digital era. It has also worked to promote the development of open banking, by making sure that all actors can work together on the deployment of APIs. It is crucial that we go beyond the current national systems, and offer cross-border solutions together with a pan-European brand. 1.1 - Biographie . Our role as a central bank and supervisor, is to reconcile confidence and innovation. Innovations in the field of payments are disrupting the traditional split between central bank money and commercial bank money. As Banque de France governor, Villeroy de Galhau also sits in the Governing Council of the European Central Bank,[4] which makes monetary policy decisions for the whole Eurozone. I shall finish by focusing on the ACPR-AMF Fintech Forum which is what brings us here today. [15] In 2018, he underlines the urgent need for the public expenditure to be contained. Nos vœux cette année sont au format « Covid » : virtuels, mais très chaleureux. Sans rien nier des difficultés, mon espoir se fonde sur tous les éveilleurs, sur tout ce qui naît et réussit à l’intérieur même de l’Europe. The working group on remote customer identification led to a number of regulatory changes this year. For example, for small establishments, we allow a single individual to hold more than one key positions. «L'endettement est justifié.Il fallait répondre très vigoureusement à la crise. François Villeroy de Galhau, gouverneur de la Banque de France, est l'invité de Léa Salamé à 7h50. Villeroy de Galhau started his career at the Inspection générale des finances. 3/ A European mobilisation on private payment infrastructures thanks notably to the involvement of the major European banks in the European payments infrastructure (EPI) project. François Villeroy de Galhau, héraut de l’austérité et prophète du désastre 15 décembre 2020 Par Romaric Godin. The approval procedure has also been simplified with the creation of a digital portal, and we have adapted certain procedures to recent developments: introduction of a streamlined post-Brexit procedure in 2019, and of a simplified procedure for a large number of payment service providers (PSPs) in 2020. François Villeroy de Galhau (born 24 February 1959) is a French civil servant and banker serving as Governor of the Bank of France and ex officio President of the French Prudential Supervision and Resolution Authority since 2015. In light of this situation, Europe needs to develop a payments strategy. At the ACPR, we are doing our utmost to facilitate contact with Fintechs at all stages. - François Villeroy de Galhau On ne « gouverne » ni seul, ni pour soi. It is a deeply-held belief and a commitment, on my part and on that of the entire ACPR. Publié le 23/04/2020 à 17:37, Mis à jour le 24/04/2020 à 09:36. François Villeroy De Galhau is on Facebook. Regardless of how they are integrated into the financial sector – via cooperation or direct competition with established players – they make the industry more dynamic. We haven't yet decided on it, but we need to be ready to decide if it becomes necessary, and as soon as it becomes necessary. Upon his arrival, Villeroy de Galhau amplified the transformation plan of his predecessor Christian Noyer, which he named "Ambition 2020". INVITÉ RTL - François Villeroy de Galhau, gouverneur de la Banque de France, dévoile ce lundi 9 novembre les chiffres de l'année 2020, plombés par la crise sanitaire. François Villeroy de Galhau (born 24 February 1959) is a French civil servant and banker serving as Governor of the Bank of France and ex officio President of the French Prudential Supervision and Resolution Authority since 2015. They are transforming the practices of financial institutions, their relations with customers – we can see it clearly with payments – as well as their relations with supervisory authorities: new technologies are useful not only for improving crisis prevention and management, but also for optimising the work of the supervisor. The eight workshops this afternoon, led by experts from nearly all of the ACPR's directorates, are testament to the focus we place on teaching and informing. As such, he presides over the General Council, the body responsible for deliberating on all matters relating to non-Eurosystem activities. François Villeroy de Galhau : ces 200 milliards qui pourraient soutenir l’économie Patrice MOYON. And while we're on the topic, let me just comment on the terminology used: you sometimes hear people talk about cryptocurrencies, but the term is a contradiction. In the traditional letter from the governor of the Banque de France to the French President, he called on Emmanuel Macron to use the economic recovery to pursue political reforms and defend the European social model as a shield against social inequalities, in 2017. Speech by Mr François Villeroy de Galhau, Governor of the Bank of France and Chairman of the Autorité de contrôle prudentiel et de resolution (ACPR), at the Fintech Forum, Paris, 12 October 2020. I'm not just saying this to please the Fintechs that are here with us today. To give another example, under the transposition of the second European Payment Services Directive (PSD2) in 2018, third-party payment service providers – which do not hold client funds – are subject to reduced annual reporting requirements. I would also like to welcome those joining us remotely. Join Facebook to connect with François Villeroy De Galhau and others you may know. Born in Strasbourg, he descends from the family Villeroy de Galhau (co-owner of the ceramic manufacturer Villeroy & Boch, domiciled since about 200 years in Wallerfangen (Saarland)); he speaks German fluently. The potential impacts on the banking industry and financial stability could be controlled using different means: for example, by having the retail central bank digital currency distributed by the banks, directly to individuals; and by limiting the amount of digital euro in circulation to prevent an excessive conversion of deposited commercial bank money into CBDC. François Villeroy de Galhau observe par ailleurs une tendance à la dégradation des délais de paiement. Retrouver confiance en l’économie – François Villeroy de Galhau (2020) « Dans cette période d’incertitudes lourdes, jamais notre besoin de confiance n’a été aussi fort. François Villeroy de Galhau, gouverneur de la Banque de France, répond aux questions de Sonia Mabrouk au sujet des chiffres du surendettement, du contexte économique et des réformes de la France. The BIS hosts nine international organisations engaged in standard setting and the pursuit of financial stability through the Basel Process. On 8 September 2015, the President of France, François Hollande, nominated Villeroy de Galhau as next Governor of the Banque de France,[3] succeeding Christian Noyer. Profondément présomptueux, il se révèle incapable de commander en chef. Ancien élève de l’ENA et inspecteur des finances, il entre, en 1988, à la direction du Trésor (bureau Afrique, puis bureau Europe) puis devient, de 1990 à 1993 conseiller européen du ministre des Finances puis du premier ministre (Pierre Bérégovoy). François Villeroy de Galhau : Toute l'actualité. Né à Strasbourg, le 24 février 1959, François Villeroy de Galhau puise ses racines familiales en Lorraine et en Sarre. Achetez parmi plus d'un million de livres - Decitre.fr : 3ème libraire en ligne - 573355 Tribune De l’urgence d’aujourd’hui aux premières réflexions pour demain, par François Villeroy de Galhau 8 avril 2020. Retrouver confiance en l’économie – François Villeroy de Galhau (2020) « Dans cette période d’incertitudes lourdes, jamais notre besoin de confiance n’a été aussi fort. The BIS offers a wide range of financial services to central banks and other official monetary authorities. During this period, the Banque de France transferred an amount of 4.5 billion euros to the French state in 2016, then 5 billion euros in 2017[5] and 5.6 billion euros in 2018,[6] and 6.5 billions in 2019;[7] most of which stemmed from the interest income earned in the context of the asset purchases programmes (quantitative easing) conducted in the whole Eurosystem as part of the ECB's monetary policy. François Villeroy de Galhau : "0,5%, ce sera le plancher du livret A" en replay. He conducts the three main missions of the Banque de France: monetary strategy, financial stability and the provision of economic service to households and small businesses. François Villeroy de Galhau : Toutes les informations pour mieux comprendre. François Villeroy de Galhau. We have also set up two working groups with players from the crypto-asset sector. Femmes; Se connecter Mon compte Se déconnecter. We therefore need to encourage innovation but also ensure that people trust innovations. Thank you for your attention. In total, it has authorised more than 20 actors to offer these new services since 2018. [16] In 2019, he celebrates the 20th anniversary of the Euro, calling the currency a success that has helped increase the average purchasing power of the French people. François de Neufville, marquis, puis 2 e duc de Villeroy et pair de France (de 1675 à 1694), né à Lyon le 7 avril 1644 et mort à Paris le 18 juillet 1730, est un militaire français. Il évoque la situation économique post-confinement et la reprise qui se profile. 2/ An acceleration on the European central bank digital currency (CBDC), the "digital euro". This website requires javascript for proper use, Administrative Tribunal of the BIS (ATBIS), Read more about our research & publications, Committee on Payments and Market Infrastructures, Irving Fisher Committee on Central Bank Statistics, CGIDE task force on enabling open finance, Read more about BIS committees & associations, RCAP on consistency: jurisdictional assessments, Principles for Financial Market Infrastructures (PFMI), Payment, clearing and settlement in various countries, Central bank and monetary authority websites, Regulatory authorities and supervisory agencies. Between now and mid-2021, the Eurosystem will decide whether to launch a project for a digital euro, which would start with an investigatory phase. François Villeroy de Galhau : ces 200 milliards qui pourraient soutenir l’économie. François de Neufville, marquis, puis 2 e duc de Villeroy et pair de France (de 1675 à 1694), né à Lyon le 7 avril 1644 et mort à Paris le 18 juillet 1730, est un militaire français. [8], Villeroy de Galhau has supported Mario Draghi's policy of "easy money" and complimented Draghi's policy during the European debt crisis of 2012. Retrouvez également l'ensemble des magazines de France Télévisions sur Franceinfo. FRANÇOIS VILLEROY DE GALHAU: La BCE surveille l'évolution de l'euro, dit Villeroy de Galhau: RE. First, we appointed a start-up correspondent at the national level [Maurice Oms], and we will soon have start-up correspondents in the regional French Tech capitals. From 1990 to 1993, he was European politics adviser of the Finance Minister of France and then of the Prime Minister of France Pierre Bérégovoy; he got several departments at the Direction du Trésor in Bercy and then in Brussels, as conseiller financier in the Permanent Mission of France. Revoir VIDEO. I shall then go on to tell you how we intend to act in the digital payment revolution. Haro sur François Villeroy de Galhau, inspecteur des finances, ancien dirigeant de BNP Paribas, candidat au poste de gouverneur de la Banque de France ! Discours de François Villeroy de Galhau, Gouverneur de la Banque de France, Président de l’ACPR. François Villeroy de Galhau, gouverneur de la Banque de France annonce la vigilance des effets du change sur l'inflation. François Villeroy de Galhau: The role of banking in a sustainable global economy Speech by Mr François Villeroy de Galhau, Governor of the Bank of France, at the World Conference of Banking Institutes, London, 17 September 2019. La Banque de France va verser 5 milliards à l'Etat, La Banque de France va verser 5,6 milliards à l'Etat, un record, https://www.banque-france.fr/sites/default/files/medias/documents/bdf-ar_2019_web.pdf, "Risque climat, finance verte : les banques centrales s'y mettent aussi ! I would therefore like us to build a public/private partnership. We also want to help them when new rules are put in place. If you would allow me to borrow a metaphor from the history of the railroads – which were originally a major innovation in the 19th century, but also one that was not without its risks – our role is to prevent the train from derailing and to make sure the passengers aren't afraid to get on board. The Banque de France's innovation laboratory, the Lab, is working with numerous actors in the field. Article suivant. He has called German inflation fears "exaggerated and irrational".[14]. Notre objectif a été de prendre, autour de Christine LAGARDE, les décisions adaptées, importantes, vous l'avez dit, et je crois que nous l'avons fait. However, this proportionality does not mean being less demanding, especially with regard to the fight against money laundering. There is no contradiction between the CBDC and the EPI. Your presence among us, Mr Minister, is proof of public authorities' commitment to Fintechs. François Villeroy de Galhau: The role of banking in a sustainable global economy Speech by Mr François Villeroy de Galhau, Governor of the Bank of France, at the World Conference of Banking Institutes, London, 17 September 2019. François Villeroy de Galhau, né le 24 février 1959 à Strasbourg, est un banquier et haut fonctionnaire français. Since 2016, it has met and advised between 100 and 150 project leaders per year, to help them flesh out the initial outline of their project before potentially submitting it for approval. [2] He delivered his report on 26 September 2015. 2; 0; 0; 1; 3 partages; INFOGRAPHIES - A l'occasion d'un discours prononcé ce 27 novembre, le gouverneur de la Banque de France a appelé les banques et assurances à ne pas se tromper de débat et à se concentrer sur les sujets de rentabilité et moins sur ceux de solvabilité. Le 8 septembre 2015, François Hollande l'a proposé comme prochain Gouverneur de la Banque de France. Under the Government of Lionel Jospin (1997 - 2002), he was (1997-1999) directeur de cabinet of Dominique Strauss-Kahn, 1999 bis [2000 of Christian Sautter (Minister of the Economy, Finances and Industry) and from February 2000 to 26 August 2003 director general of the Direction générale des Impôts (directeur général des impôts). Early life. Dans Regards sur l'épargne 6, François Villeroy de Galhau, Gouverneur de la Banque de France Président de l’Autorité de Contrôle Prudentiel et de Résolution, revient sur les évolutions du pouvoir d'achat pendant la crise sanitaire. I would also like to welcome Alain Clot, President of France Fintech, and of course Robert Ophèle, Chairman of the AMF, with which we have organised this Forum. In conclusion, I would like to repeat a conviction: Fintechs are no longer separate from the world of finance. But if we can do even better, even more, tell us today. », 26 September 2008, « Sagesses de mon village allemand », 17 September 2012, This page was last edited on 28 November 2020, at 19:44. My dear Cédric, you'd clearly be the first to say so. The BIS facilitates dialogue, collaboration and information-sharing among central banks and other authorities that are responsible for promoting financial stability. La BCE surveille l'évolution de l'euro, dit Villeroy de Galhau. Created in 2016, it is a forum for exchange which we try to make as efficient as possible by setting up, where needed, targeted working groups to make concrete progress on key topics. We are all aware of just how important new technologies are in ensuring continuity and stability in this crisis. This work is a first step towards the publication of principles of governance for AI algorithms. All these dimensions will be taken into account in the Banque de France's next strategic plan, "Building 2024 together". Mon objectif avec ce livre est de dire pourquoi nous devons et comment nous pourrions retrouver confiance en … What is more, the European payment ecosystem has become extremely reliant on non-European players – today the global card schemes, and tomorrow the Bigtechs – with the result that it now has limited control over the management of personal data. Les Français ont économisé 90 milliards d’euros depuis le début du confinement. François Villeroy de Galhau : « Le libra de Facebook devra respecter les règles des banques centrales » Facebook va lancer sa monnaie privée, le libra, avec le soutien de géants comme Uber et Visa. Le gouverneur de la Banque de France, François Villeroy de Galhau revient sur toutes ces questions, répond aux critiques sur le financement du logement, plaide pour faire de la BCE la banque centrale pionnière dans la lutte contre le changement climatique, alerte sur la volonté des banques de réduire les réglementations et bien d’autres choses encore. In parallel, the rise of crypto-assets and above all of stablecoins means they could potentially try to replace central bank and commercial bank money, even though they offer none of the same guarantees in terms of liquidity, service continuity and neutrality. https://fr.m.wikipedia.org/wiki/François_Villeroy_de_Galhau Il est gouverneur de la Banque de France depuis le 1er novembre 2015. Télécharger la version PDF ; Télécharger ; FR . We could very probably need both.