Banque: le pouvoir sans le droit: Comment des institutions sans fondement légal organisent la monnaie, le crédit et le pouvoir

Name: Banque: le pouvoir sans le droit: Comment des institutions sans fondement légal organisent la monnaie, le crédit et le pouvoir
Brand: Jmm
SKU: 9791098299544
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ISBN13: 9791098299544
Binding: Paperback
Subject: N/A
Publisher: Jmm
Publisher Imprint: Jmm
Publication Date: May 1, 2026
Pages: 236
Original Price: GBP 14.63
Language: French
Edition: N/A
Item Weight: 277 grams
BISAC Subject(s): Economics / Macroeconomics

About The Book

Le syst�me bancaire fait partie du quotidien. Il organise la monnaie, structure le cr�dit, finance l'�conomie et influence les d�cisions publiques. Il est pr�sent� comme stable, r�gul� et solidement encadr� par la loi. Avec le temps, il est devenu une �vidence.

Mais une �vidence m�rite-t-elle d'�tre v�rifi�e ?

Sur quoi repose r�ellement ce syst�me ? Les r�gles qui l'organisent sont-elles aussi claires qu'on le pense ? Les banques, les organismes de cr�dit et les autorit�s de contr�le s'inscrivent-ils dans un cadre dont les fondements sont pleinement �tablis ?

Ce livre propose de revenir sur ce que chacun consid�re comme normal, mais que peu ont r�ellement interrog�.
� mesure que les m�canismes sont examin�s, une �volution appara�t. Ce qui semblait �vident devient questionnable. Ce qui paraissait stable r�v�le des fragilit�s. Et ce qui s'est progressivement impos� comme un cadre naturel appara�t comme le r�sultat d'une construction, fa�onn�e dans le temps par des pratiques, des choix et des �quilibres rarement remis en cause.

Comment fonctionne r�ellement un cr�dit ? L'argent pr�t� existe-t-il avant l'op�ration, ou est-il cr�� au moment m�me o� il est accord� ? Le Code mon�taire et financier, qui encadre l'ensemble du syst�me, est-il issu d'une construction aussi �vidente qu'il y para�t ? Et la dette publique, omnipr�sente dans le d�bat �conomique, correspond-elle r�ellement � ce que l'on nous en dit ?
Le cr�dit agricole existe-t-il l�galement ?

Au fil de ces questions, le regard se d�place.

Un syst�me peut fonctionner, produire des effets et s'imposer durablement sans que ses fondements soient r�ellement interrog�s. Il peut structurer l'�conomie, orienter les d�cisions et encadrer les comportements, simplement parce qu'il est en place.

C'est dans cet �cart que se situe la question essentielle. Lorsque les m�canismes sont admis sans �tre examin�s, ce qui s'impose ne rel�ve plus seulement de la r�gle. Cela devient un cadre, puis une n�cessit�, et parfois une contrainte.
Cette contrainte n'est pas toujours visible. Elle ne s'exerce pas directement. Elle se diffuse � travers les m�canismes du cr�dit, dans le fonctionnement des banques et des organismes de financement, et dans la logique de la dette publique. Elle influence les d�cisions, oriente les choix et conditionne progressivement la mani�re dont chacun participe au syst�me.
Ce livre ne cherche pas � imposer une vision. Il propose de comprendre. Comprendre comment la monnaie est cr��e, comment fonctionne r�ellement le cr�dit, quel r�le jouent les banques et les organismes de financement, et comment la dette publique s'inscrit dans cet ensemble.

Et surtout, comprendre dans quelles conditions un syst�me peut s'imposer durablement sans �tre pleinement interrog�.
Car une question demeure: ce que nous consid�rons comme acquis repose-t-il sur des r�gles clairement �tablies... ou sur des m�canismes qui se sont install�s avec le temps, sans que nous en ayons r�ellement mesur� les fondements et les cons�quences ?

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