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October 21, 2020 | International, Aerospace, Naval, Land, C4ISR, Security, Other Defence

Armement : la bombe incendiaire de la filière défense (GICAT) contre les banques françaises

Michel Cabirol

Sous la pression d'éventuelles sanctions américaines et des ONG, les banques françaises, dont BNP Paribas et Société Générale, appliquent désormais des règles de conformité (compliance) excessives pour les entreprises de défense considérées comme des entreprises à risque pour un financement. Cette tendance est en train d'étrangler progressivement une industrie de souveraineté.

"Même si vos solutions semblent d'avenir et votre stratégie business cohérente, vous accompagner est trop risqué pour nous compte-tenu de la part de la défense dans vos contrats à venir".

"Le critère de souveraineté n'est pas notre sujet quand nous évaluons un financement".

"Ce n'est pas parce que la BPI vous soutient, que vous avez des contrats déjà signés, que nous devons vous suivre aveuglément"...

Les refus de financement des banques françaises se multiplient, les témoignages désespérés, notamment des PME ou start-up de la filière défense, aussi. Clairement les banques, dont BNP Paribas et Société Générale, jouent de moins en moins le jeu pour financer et/ou accompagner une industrie souveraine, la défense, qui reste pourtant soutenue par l'État français, selon une note du GICAT (Groupement des industries françaises de défense et de sécurité terrestres et aéroterrestres) envoyée aux ministères des Armées et de l'Économie et que La Tribune a pu se procurer. Consciente du danger mortel que cette situation représente pour le secteur, la commission de la défense de l'Assemblée nationale souhaite s'emparer de ce sujet en lançant d'ici à la fin de la semaine une mission flash sur ce dossier extrêmement sensible.

"Depuis maintenant deux ans, notre industrie de défense est confrontée à un problème croissant : le système bancaire et financier français est de plus en plus réticent à accompagner nos entreprises du secteur de la défense tant pour leur développement qu'en soutien à l'exportation", constate cette note du GICAT.

Les directions juridiques ont pris le pouvoir

Les refus de financement se décident principalement dans les bureaux discrets des équipes de juristes et d'avocats (compliance et éthique) devenues très puissantes (trop ?) au sein des directions des banques françaises. Ces dernières refusent des financements dans le développement, voire l'ouverture de compte auprès de jeunes entreprises "pure player" de la défense ou duales, assure le GICAT. "Les organismes bancaires décident de manière discrétionnaire de critères de compliance très poussés, se basant sur les analyses et recommandations de prestataires privés dont il n'est pas précisé le nom ou la nationalité", regrette l'organisation professionnelle. C'est le cas entre autre de la Société Générale, citée dans le document du GICAT : "l'industrie de la défense fait l'objet d'une attention particulière compte tenu du détournement potentiel d'usage de ses produits".

"Au-delà des réglementations applicables, le groupe Société Générale définit dans la présente politique des critères additionnels d'exclusion et d'évaluation, qui...

https://www.latribune.fr/entreprises-finance/industrie/aeronautique-defense/armement-la-bombe-incendiaire-de-la-filiere-defense-gicat-contre-les-banques-francaises-860045.html

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