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À ce titre, nous vérifions que les risques sont convenablement mesurés et gérés, et que les fonds propres sont suffisants. De plus, repetiteur 4g les manœuvres frauduleuses d’un opérateur formé au back-office, et sachant comment détourner l’attention des contrôleurs, ont dissimulé l’étendue des risques. Dans le Financial Times de ce matin, Lord Turner, qui n’a rien d’un gauchiste puisqu’il a occupé outre-Manche les fonctions qu’occupe en France Mme Parisot, attirait l’attention sur le fait que les autorités de contrôle des pays européens se focalisaient sur les banques, alors que le plus grave s’est passé ailleurs – dans des établissements qui ne sont pas des banques au sens où nous l’entendons, nous. En France, la titrisation des crédits par les banques représente entre 0,3 % et 2,7 %. C’est sans rapport avec ce qui s’est fait ailleurs. Si c’est le cas, cela peut être la raison pour laquelle vous avez un mauvais service à la maison ou au bureau. Cela tient même du miracle compte tenu des rémunérations qui pourraient leur être offertes dans le privé. À la suite de la crise, plusieurs mesures ont été prises pour améliorer la quantité et la qualité des fonds propres, la couverture en fonds propres des opérations de marché – la France en avait dénoncé à plusieurs reprises l’insuffisance dans les instances internationales -, le contrôle interne, l’encadrement des rémunérations

Notre commission cherche à comprendre ce qui se passe dans la sphère financière. Dès lors, le risque est grand de voir se généraliser ce qui se passe au Japon ou en Allemagne depuis quinze ans : une très forte déformation du partage de la valeur ajoutée au détriment des salariés, parce que les entreprises ne veulent plus recourir au crédit ou aux marchés financiers. Ainsi, j’ai directement participé, au Crédit lyonnais, à la mise en place de la value at risk (valeur sous risque), expérience qui exigeait beaucoup plus de technique que de connaissances financières. Puisqu’on ne parle bien que de ce que l’on connaît, je vous ferai part de mon expérience. Je connais assez bien la banque d’investissement, particulièrement les produits dérivés, la gestion des risques et la mise en place de quantités réglementaires. Il faut être conscient que les volumes en jeu seront très importants et que, s’agissant d’enjeux de long terme, l’analyse des risques sera difficile. D’une part, la crise ne peut être résumée à une crise bancaire. C’est mission impossible. Sur le New York Mercantile Exchange (NYMEX) et les marchés pétroliers, on ne connaît pas réellement l’identité des intervenants : quand une banque intervient, on ne sait pas si c’est pour le compte d’un opérateur ou d’un spéculateur

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