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Over the years, the credit card has become the preferred means of payment by the French, far ahead of the check. Very practical, its use costs, however, rather expensive, according to a study of the UFC-Que Choisir on Tuesday. This points to the "opacity of costs" charged by banks. Beginning with the annual fee, which averages to 47.80 euros. The most common international standard card with immediate debit (72.3% of users), is itself, charged EUR 36.30 per year on average. "Now, 15.30 euro had" no economic justification Identified, "says UFC-Que Choisir.

Adjust their shopping with a credit card can also be very expensive, if payment incident.Especially since, in most cases (64% of purchases), the payment terminal of the merchant does not verify the consumer's account is sufficiently powered.

Result, the consumer too much cricket will be charged fees, commissions called for intervention (8.50 euros on average per transaction). Customers without overdraft (23% in 2010 according to the documentary credit) would pay annually 2.7 billion euros in fresh incidents due to their credit card, including 1.8 billion euros for the only commissions intervention whereas the processing cost of these operations is evaluated by the CFU to 172 million. "This represents 83% margins for banks," Alain Bazot advance, the president of the Association, which campaigns for the abolition of these commissions.It will soon present to the Ministry of Economy of proposals to achieve a "credit card responsibly."

Strong reaction from banks

Just like what happens to our neighbors, she also advocates changing to a system that would systematically check whether the client can pay his purchase. It also proposes to set up a "modular card," because "banks are distributing cards are oversized in relation to the real needs of customers."

Banks have reacted strongly Tuesday. French Banking Federation (FBF) has reiterated that the "system of bank cards offer a service from a very high quality appreciated by customers."In addition, "certain proposals of the UFC-Que Choisir go against the freedom of customer choice and lead to an overall decline in the level of service, as the desire to impose a system to permit systematic" concludes the FBF.

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The French Finance Ministry responded late, but with great detail, the controversy launched by MEP in Europe Ecology Canfin Pascal, on the bonuses of bankers and traders French.In Libération, 7 May, he thought the amounts paid by banks not complying with EU rules.

The MEP said that France would not accurately transposed the directive on variable compensation, which would allow certain bankers, including Baudouin Prot (Chief Executive Officer of BNP Paribas) and Frederic Oudéa (CEO of Societe Generale) to receive bonus of several million euros, four to five times larger than their fixed salaries, under the year 2010.

"It's unfair to single out France!" Says it does at Bercy, where we recall that the decree implementing the EU directive was sent to Brussels in March 2011, without comment, to To date, the European Commission, while "warnings" have yet been sent to 12 Member States in March …

Variable part, fixed part

G20 first to denounce the perverse bonuses, France is presented as a model student for the application of new rules on the matter. To demonstrate that the volume of bonuses paid in 2011 for the year 2010 is declining, Bercy dotted with numbers: the ratio of net income bonus on the Corporate and Investment Banking (CIB) would be increased from 125% 2007 to 100% in 2009 and 30% in 2010.According to references of the two great Parisian institutions BNP and Societe Generale, the average bonus would have decreased from 303 000 in 2009 to 290 000 euros in 2010 and 231 000 in 2009 to 198 000 euros in 2010.

Moreover, the share of bonuses in total compensation would have increased by over 75% in 2009 to 60% in 2010. An average does not represent the variable portion of 62% of the remuneration of Baudouin Prot in 2010 and 73% of that of Frederick Oudéa."In the spirit of French and European legislation, it was a 50/50 balance the ratio between the fixed and variable pay," recalls in Paris say, "there is that the European Parliament who wanted the 50/50, but that would inevitably lead to a wage explosion … "

Finally, Bercy said that more than 60% of the bonuses awarded in 2010 were deferred for three years at least, and that banks resort more to guaranteed bonuses over several years.

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Diabetes closer Sanofi-Aventis and Qatar. The laboratory lights and the Qatar Foundation signed a few weeks ago a research agreement on the use of stem cells in treating diabetes. Tens of millions of euros and twenty scientists will be assigned to such work on the new pandemic of the 21st century. Diabetes is among the main centers of development of Sanofi, which aims to become world leader in this market. The sixth world laboratory has also concluded, on March 24, yet another partnership on this issue with the Medical Center Columbia University in New York. "Diabetes is also a fundamental issue for Qatar," said Dr. Abdelali Haoud, vice-president in charge of the Research Division of the Qatar Foundation.The disease already affects more than 12% of the population in the Gulf, which is a hold twice as high as in the rest of the world.

Each partner is innovating with this agreement. Sanofi signs its first research project in the Middle East and the Qatar Foundation's first agreement with a major pharmaceutical company same day payday loans. But health is far from being a new world for this small state of 1.8 million inhabitants, who intends to use the windfall from natural gas and oil to turn into a society based on knowledge ("knowledge based society ").

Qatar affects 2.8% of GDP, 3.5 billion dollars last year, training and research in three main areas: information technology, energy, and especially health. The Qatar Foundation has already put $ 7.9 billion available to the academic hospital and a pole Sidra Home biotech began in late 2009.The Qatar National Research Fund, another offshoot of the foundation of the small emirate has invested 230 million dollars over three years to fund approximately 80 centers and institutes and private research worldwide. Finally, the first biobank of the region, that is to say a central storage of biological samples, just to see the day in Doha.

At the gentle slope succeeds collapse. France 3 now flirting with the 10% audience share, against 14% three years ago. Last Saturday in prime time, the public channel regions is even symbolically passed below a million viewers, with the spread of the play One foot in the crime from the theater of the Auction of Marseille. A hearing to sentence the youth level digital television channels which now flirt with the 2 million viewers.

The staff of the chain relies on its public service mission to justify such a rout. But the argument is over when France 3 collapses to 4.6% audience share at lunch with "Midi in France, led by renegade Laurent Boyer M6, or Saturday night in second part of the evening when the series of disappearances is not taking off 4.4% audience share.Even the film loses its shine on France 3 since The Last Gang did not exceed 6.2% audience share last week.With the cost of grid that is around that of 2-France around 800 million euros, and 4800 employees, the decline of hearing begins to be disturbing.

Faced with scores, Corteel Lawrence, director of France 3 antennas, spoke Tuesday at the convention of executives of France Televisions, "the necessary regional reconquest," one of "information" concerning ", closer to the lived audiences, and "Wealth of twenty-four regional offices."

However, France 3 Must begin his Copernican revolution and lack of hearing, stop being a national chain, like Radio France Bleu (Radio France), be primarily a network of local stations ? For Francis Guilbeau, general manager of the chain, "the economic balance of the television does not allow it.This would mean having to increase the budget of the chain 24, the number of our local offices. ARD Germany has a budget of 7 billion euros. Our mission is not to make room for the local audience. "And remember that" no private regional channel has been a success in France, very centralized country. " However, the boss of France 3 recognizes the need to play more cards proximity, "which does not mean that Britons do not speak only to Britons no faxing pay day loans." "For now, he admits, regional programs are inconspicuous and do not have the success we expected." The documentary Xynthia after the storm, made in the region, has received a share of hearing by 7.1%. François Guilbeau does however borrow France Bleu her art "programs and services of local interest such as employment, real estate."Similarly, a "club of the regional press" should be created in the fall.

The radio daily

Playing the local map has paid for France Bleu. For three years, its audience grew. In the last survey Médiamétrie, the second general of Radio France slipped to RMC with 7.5% of total audience. Successfully initiated by Christiane Chadal, Network Manager from January 2008 to March 2010, with an editorial in August 2008 embodied in the slogan "From here". "Our position" From here "is anchored on the premises, but does not see the current national or international law, says Anne Brucy, director of France Bleu network. For example, the news in Japan and the crisis in Fukushima have mobilized our local near nuclear power plants (The Hague, Pierrelatte Fessenheim …).We take a comprehensive look from where our listeners. "These are major contributors of France Bleu. "The role of the auditor is at the heart of the program. It is about the listeners share and enrich the program information. Our expertise can enhance their contribution, "says Anne Brucy. A supply that feeds the antenna at a lower cost but is difficult to reproduce in television.

Similarly, through a nationwide network with 43 local Consequently, France Bleu can also actively participate in local life. What strengthen its position as "the daily companion."

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Xynthia is not a name as the Vendee and Charente-Maritime are nearly forgotten. The storm that hit the French Atlantic coast on the night of 27 to 28 February 2010, has killed 47 people, including 29 in the only common Vendée La Faute-sur-mer and Osten-sur-mer .

The French market for online advertising has taken over the colors in 2010. Advertisers have increased their net investment of 9% to 2.3 billion euros, according to the Observatory of the e-pub conducted by Capgemini Consulting for Union Boards Internet (SRI). Better still, the market is expected to accelerate its growth in 2011 to grow by 12% and well on course to cross $ 2.5 billion invested.

The market remains dominated by the search, that is to say the purchase of keywords and sponsored links on search engines. The format has increased by 9% to 960 million euros. But – and this is a surprise – advertising graphics (or display) grew faster. Drawn by the growth of video and special operations, these investments rose 12% to 540 million euros net.An unexpected recovery when in 2009 due to the advertising crisis, the display seemed doomed for the benefit of mechanisms favoring performance.

Mobile advertising is growing slowly but surely

In 2010, affiliation (+15%) and comparators (+19%) continued to benefit from the booming online trade. Mobile, yet modest in value with 27 million euros, sees continued growth through the adoption of smartphones and earns 23% a year.

The market has also benefited from the arrival of new advertisers – sectors of luxury, clothing or consumer goods.It displays a cover and reassuring compared to 2009, where growth had slowed sharply, from 23% in 2008 to 6%.

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After meetings marked by lower Friday Asian stock markets start the week on a positive note. On Monday, the few markets open on this holiday react positively to the announcement of the weekend: recovery, by the People's Bank of China, China's central bank, a quarter point (0.25%) of its Interest rates on loans and deposits, as of December 26. That measure, designed to control runaway inflation in the country, was expected. Despite initial fears that the Chinese economy slowed by the tighten monetary policy, investors welcomed the news, considered positive in the long term.

In China, the Shanghai Stock Exchange the tone Monday, as Hong Kong is closed. The Shanghai Composite was up 0.36% to 2845 points.Financial stocks are up in the image of China Ping An (+1.7%), or Industrial and Commercial Bank of China (+0.5%).

In its wake, the Tokyo Stock Exchange has evolved into positive territory during a quiet session. The Nikkei, which started on a gain of 0.13%, has increased his earnings to finally close on a rise of 0 no fax payday advances.75% to 10,355.99 points. The broader Topix index finished with a gain of 0.33% to 904.68 points. The volume of transactions was particularly low with only 1.25 billion shares traded on the primary market. Note that the small rise in the yen against the dollar during the session did not prevent operators from entering the correct side of the business of exporting companies.

In India, the Sensex gained 0.43%. Scholarships in Australia, New Zealand and the Philippines are closed.Only the Korean KOSDAQ is in the red (-1.23%).

Oil in a disorganized

For their part, crude prices were mixed Monday in electronic trading in Asia. Unlike investors in equity markets, oil markets are cooled by the surprise increase in interest rates according to analysts.

In morning trading, a barrel of light sweet crude for February delivery yielded 23 cents to 91.28 dollars. One of Brent North Sea crude for February delivery gained 12 cents to 93.89 dollars.

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The Tokyo Stock Exchange ended down 0.85% on Monday after a meeting characterized by very low trading volumes and a climate gloomy backdrop of market decline asiatiques.En effect, stock markets in Hong Kong and Shanghai show a larger decline, -1.18% for the first and -2.10% for the second.

In Tokyo, the Nikkei lost 87.42 points to close at 10,216.41 points and the Topix broader points yielded 4.59 points (0.51%) to 898.55 points.

New tensions on the Korean peninsula have revealed the Seoul stock exchange and in its wake, other Asian markets.

"The sale is due to external reasons and as there are few foreign participants in the market, the volume results in low volatility," noted Hideyuki Oskoshi Chuo Securities faxless cash advance.

Like the actors places Western investors in Tokyo remain concerned about the risks of financial and economic difficulties for Ireland, despite statements by the European countries declared themselves ready to do whatever is necessary to ensure stability of the euro area.

Among the values, Honda ended up 1.39% after announcing Friday a sales target of 730,000 vehicles in 2011, almost 10% more than the 650,000 expected by 2010.

(With Reuters)

The High Audiovisual Council has not waited 24 hours to assign the first frequency of pay DTT project of the League of Professional Football. The latter defended Monday his proposed general channel 100% football. This choice was made at the expense of Digital TV and its hybrid project Select TV Channel + and especially defending Canal + Family, a channel targeting young children and the family expected to pay DTT more attractive. But for the CSA, football on television is the most unifying and the most attractive products. The nine sages have therefore voted unanimously with one vote for this project. Only Michèle Reiser would have voted against it.

The CSA will probably also sensitive to the need to stem the omnipotence of Canal Plus pay television and its hegemony over football.However, it is unclear whether this choice favors in the future dynamism of Canal + to distribute the pay DTT. This is all that Canal + has more than a million subscribers on TNT while the operator has 3.5 million subscribers for its other offerings, including satellite.

This decision could sour relations between Canal + and The Football League who become competitors rather than just business partners. This choice will then require APF Canal + to decide a little blind to the nature of the compensatory channel: free?

Finally, the LFP has to learn a new profession, that of editor of pay channel.

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Following negotiations tight, cattle farmers have reached an agreement Wednesday with the industry on a higher meat prices. Chairman of the Federation Nationale Bovine, Pierre Chevalier, accordingly announced that farmers were willing to lift the blockade of slaughterhouses group Bigard, under certain conditions, including the withdrawal by the group assignments for interim measures aimed since Tuesday evening some demonstrators.

The pound has been increased by 5 cents for beef breeds and 2 cents for dairy breeds. The agreement signed on Wednesday is expected to increase by 70 € worth of each animal sold, said Christine Lambert, president of the FNSEA. "This is the first step of the way forward for a price increase whose goal remains at 60 cents a kilo," said Pierre Chevalier to the press. However, he did not set a date for achieving this goal.The negotiated agreement Wednesday ends a movement continues to fall in meat prices against which farmers rebelled.

They have also secured the establishment of machinery to grade carcases in plants Bigard, which controls 75% of the French market and 43% of the slaughterhouses, which represents an investment for the group of about several million to achieve. "The purchase orders will be signed before December 31, 2010, had warned earlier in the day Peter Knight.

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