Make Know How > > The FCA helps a 2-year extension of the reimbursement of the PGE and an extra amortization scheme for commerce


The Senate yesterday questioned the Authorities on the important circumstances for the success of the restoration plan. The Fédération du Commerce Coopératif et Associé (FCA), which on the event of the PLF 2021 helps an extension of the reimbursement of the mortgage assured by the State (PGE) inside the limits of the present envelope, welcomes this proposal. The FCA can also be in favor of the creation of an distinctive further amortization scheme in favor of digital transformation investments for retail SMEs.

Confronted with the wall of company debt, the FCA is asking for an extension of the reimbursement interval of the PGE inside the restrict of the present envelope of €300 billion

At present, the corporate director benefiting from the PGE can resolve to reimburse his PGE instantly or to amortize it over an extra interval of 1 to five years, on the finish of the primary yr throughout which no reimbursement is due. is required. Designed to reply to an emergency scenario, the PGE permits firms to shortly profit from engaging borrowing circumstances and to cope with money circulate difficulties.


The Senate Enterprise Delegation has tabled a movement for a decision on the sine qua non circumstances to be met to make sure the success of the restoration plan. This decision recommends particularly spreading the debt of firms having contracted the PGE for as much as 7 years; this extension makes it potential to consolidate the deferral of firm fees.

Retail firms are within the midst of a digital transformation and should additionally adapt to new consumption patterns. Investments in digital and logistical transformation might be wanted to allow bodily retailers to keep up their competitiveness of their market. The FCA requests that the reimbursement interval of the PGE be unfold over 7 years on the finish of the primary yr, ie an extension of two years.

2020 is the yr of all uncertainties. being an entrepreneur turns into a dangerous train. We navigate by sight. The entrepreneur, and extra notably the retailer, is confronted with a wall of debt when he has to make strategic funding and improvement selections. This can be a new danger taking. However learn how to assume and handle it in the mean time? Spreading the reimbursement of the PGE over time, as proposed by the Senate, meets an actual want of merchants. With the intention to take away the obstacles linked to the framework for state help and in order that this proposal can succeed shortly, we should use the entire assured excellent quantity of 300 billion euros ” says Eric Plat, president of the FCA.

lengthen help for digital transformation to commerce by way of the distinctive further amortization scheme

The wants of the commerce in technological investments are quite a few: 3D printers, 3D scanner essential for the execution of a manufacturing, interfacing of cell and pill web functions with shares, on-line purchases, logistics, pre-orders, digital labeling, instruments and software program anti-fraud checkout system, a number of authentication technique of fee system, cybersecurity linked to the client file and linked objects, information sensors, and so forth. Commerce wants help to make sure its transformation.

As a reminder, the finance regulation for 2019 has arrange an distinctive further amortization mechanism in favor of digital transformation investments by industrial SMEs. An organization having completely a industrial exercise can not subsequently profit from this deduction right this moment. The FCA needs to increase this already well-thought-out regime to commerce SMEs so as to create a leverage impact and incentivize commerce gamers to remodel as shortly as potential.

Like business, there’s a actual transformational problem for brick-and-mortar retail. Just like the business, retailers should combine synthetic intelligence into their processes. Like business, robotization is a precedence. Like business, our professions are altering. Just like the business, retail gamers want to take a position to bounce again. Because of this the FCA is proposing to increase to commerce the help for innovation offered for in business with the distinctive further depreciation system “ says Eric Plat, president of the FCA.


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