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The subprime illustration.

The subprime market is mainly comprised of risky loans granted to customers with limited creditworthiness or credit history difficult. This market has largely developed in the United States since 2001. It is clear that for these U.S. mortgages, the fundamentals in debt have not been met. These credits were not on a proven track record of repayment for borrowers but a potential revaluation of the underlying assets and this, with credits arranged for the minimum repayments are the first two years and then generally indexed to variable rates. The impossibility of resale with gain after two years (real estate prices began to fall in several regions of the United States from 2006), and inability to cope with repayments (Reserve Federal has gradually raised its rate by 1% to 5.25% between 2004 and 2006) have made these subprime assets ("distressed assets").

Prime fundamental not respected: the repayment capacity of borrower to be assessed over time . At this stage it should be noted that the practice of French banks is obviously not this one.

The attraction of the potential yield of these funds who received a risk premium, has resale in the global financial community in search of ever greater efficiency and cost savings to its customers. The subprime has been heavily sold in markets in securitized form (the claims are grouped into vehicles to make ad hoc and converted into marketable securities subscribed by investors) is, once the crisis is triggered, all forms of credit securitization vehicles that have become suspect in the eyes of investors lest they carry credit risk in general and subprime in particular. Sales, resales and financial engineering have forgotten the origins.

Second fundamental not respected: to control the risk it is better to know the origins seamlessly. research performance by the complex mechanisms of financial markets in a purely speculative here very directly affects its limits.

Stock Markets Are they still attractive for companies that develop policies and strategies over time? Before the fluctuations of stock markets, which may be independent of the values of listed companies and their potential dividends, and strategies to more speculative investors courtermistes we doubt it. How to encourage the individual to go and invest on "gazelles" (cf. John Paul Betbèze) that create value and jobs in our regions, whether to remain stuck in a narrow walk and be in a thank you crisis Independent Fundamental company.

A stock market investment should be sustainable (3-5 years minimum). Any shorter investment horizon greatly increases the risk taken. Another fundamental that we forget.

Moreover, any investment in scholarship must enroll in a real estate strategy (balance in the diversity of investments) with clearly defined management objectives (speculation or performance over time). have a strategy for its heritage, another fundamental respect.

is in compliance with these fundamentals that I see the usefulness equity markets: a meeting of companies that have optimal financing needs and actors who hold financial capabilities.

Today with real-time access to markets, with live information, with the considerable lowering of price levels of scholarship, yet the temptation is great for the individual to have an attitude a bit speculative.

A question was asked by Pauget in the gallery of 19 November: "The new accounting standards they are a factor in accelerating the financial crisis?" We discover the limits of the "mark to market ", where the market value does not account for the time scale or the economy, or the actors. Added to the phenomenon of speculative bubbles (which are otherwise sound), the" mark to market "may be the cause of the disconnect between the stock and the actual value of the company under its management objectives.

And before the question asked: probably be he explore all media that allow equity investments sustained over time and not subject to excessive swings in stock markets ? We investment funds proximity for those who love regional businesses. And the shares for those who like cooperatives.

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Why "Living and acting in Aquitaine?

Behind As such, there are two real convictions:
- the fact regional
- proximity is a modern value.
For each, I want to share with you some comments from news:

1) The regional.
By the time everyone is talking about globalization, when European integration seems to finally assert themselves, where welfare state centralized showing its limitations, the fact Regional reappears as an opportunity. Europe of nations? Or a Europe of regions? In fact, two additional questions and a real answer to the problems of economic development.
identity of the region. Strengths and weaknesses. In this post, there is no question of completeness. But I can not avoid to mention one of the real forces for Aquitaine "wine and food .
A cluster exists for food in liaison with the pharmacy, but they do not exist for the wine. Seek error! This is a topic of regional mobilization.

2) Proximity is a modern value.
The most complicated is to define what the proximity is close because multiple!
With internet or phone we can be very close yet very far. Who does not know a family or small children with their grandparents share photos over the Internet?
Yet this closeness that can be described as "psychological" is really close when she realized that at one time or another by a real meeting that reinforces the virtual links may be woven.
This vision applies to the proximity to my sense of management system of enterprises (cf. the theory of remote management), and of course especially regional firms capable of developing this real close . Well established in their region, with their radiation, the strength of their teams, the speed of decision who we are and more importantly, the proximity of their customers, they are real poles of development to conquer new territories.
Let there be no mistake: they are the gazelles French (cf. the theory of Jean-Paul Betbeze ). Let us these gazelles, and particularly on those in cooperative structures as our Anglo-Saxon, who do not know, have a tendency to forget their European lobby . But the cooperative banks ...

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Why a blog?

And why not?

"The intercommunicalite" and the actual time allowed by the "webosphere" are undoubtedly two major facts of this 21st century. Everyone has the power to be in contact with the world, everyone has the power to express his views on everything and at the same time, learn about what interests .... The increase is permanent for everyone who wants to bother.

By the time the Credit Agricole Aquitaine launched a new business project called "Destination Client", it seemed appropriate to open a blog to speak on all subjects may influence the evolution and fate of the Credit Agricole Aquitaine ... Topics that may also be interested vraissemblablement any type of business and organization. Will obviously be also discussed issues of bank.

However, the purpose of this blog is not to be a blog of banking advice and certainly not a place to deal with personal situations. Any contributions not within the spirit of this blog would obviously not accepted ... Your comments and feedback are welcome, however, and should enable us to fuel and advance the debate.

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drugs pharmacies Usage Interior (PUI)

These are the pharmacies of health facilities. Their mission:

• management, procurement, testing, storing and dispensing of medicines, medical devices and sterile.
• The preparation of some drugs (compounding, hospital preparations, parenteral nutrition), the reconstitution of cytotoxic and centralized planning authorities, the radio-pharmaceutical drugs.
• Sterilization of medical devices.
• The issue of dietary foods for special medical purposes.
• The sale of medicines to the public as provided by law (dispensed to outpatients).

(ref. Codes of Public Health, regulatory part, Chapter VI)

hospital pharmacies are also involved in the organization of pharmacovigilance and vigilance.

They have a key role in the procurement of drugs and sterile medical devices, as well as training and information to prescribers about the proper use of medicines.

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The Committee on Drugs and Medical Devices Sterile (COMEDIMS)

Within a hospital, COMEDIMS is a commission composed of physicians, pharmacists and representatives from hospital administration.

is "a forum for consultation between physicians prescribers and pharmacists' hospital. It deals with all matters relating to drugs and medical devices

Its main tasks of defining the drug policy and medial sterile devices (DMS) within a health facility and to develop recommendations prescribing and quality use of medicines and DMS. She joins the fight against iatrogenic drug (a condition whose origin is due to the inappropriate use of drugs)

COMEDIMS The booklet makes the drug, and sterile medical devices, that is to say, the exhaustive list of specialties and DM bought by schools. It defines the rules for admission of these products in the hospital following their consumption.

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List of Products and Services refundable (ISL) to

The ISL is the nomenclature of medical devices, single use, reimbursable by health insurance. The DM therein, either as a generic description (generic line ") or" in name brand "that is to say in a specific trade name.

In town, the inclusion of a medical device on the ISL is the condition of repayment, under a doctor's prescription. The list sets the rate for reimbursement and any restrictive conditions of the following: number of units per period, pathology etc ... For many of DM, a limit price of sale to the public is also fixed.

At the hospital, the ISL set the reimbursement prices for medical devices called "off-GHS ( cf. DRG's http://marchespublics.blogspot.com/2007/07/tarification-lactivit- t2a.html # links). She also serves

when purchasing medical devices included in the GHS. Indeed, the price listed on the ISL is considered by buyers as the hospital reference tariff. The inscription "in name brand" can be interesting if the price "generic" is considered too weak by the supplier. However, this must be justified against the cost of registration.

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Pricing Activity (T2A)

The T2A or T arifi A the A ctivity is the financing of health facilities, whether public or private, whose implementation started in 1 January 2004.

This financing method is called to replace, gradually over a period of ten years, the two funding methods hitherto in force:

- the block grant for public schools and participating in public service (DPPP)

- Pricing by the day and performed the act for private clinics.

The main principle of the T2A is to tie funding directly to the activity (medical or surgical) of the institution, up or down. The activity is identified through the notion of stay of patients in the facility. Each residence is a homogenous group living (GHS) which applies a tariff. Terms of additional funding in addition to complex cases and for activities not described in the GHS (research or teaching for example).

costs of drugs and medical devices are normally included in the rates of GHS. However, some of them, when they are very expensive, introducing a heterogeneity in the package stay (GHS).

A limited list of drugs and medical devices that are in this case is established by the Ministry of Health. These products are called "off-GHS" and give rise to an invoice in addition to social security, at a maximum rate fixed by regulation (Ministerial Order for Proprietary Medicinal Products, the ISL costs for medical devices.). These lists are updated at least once a year.

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The e-procurement - Experimentation.

The decree of March 12, 2007, III made under section 56 of the Public Procurement Code, and on the dematerialization of experiments procurement procedures formalized, can waive the (current) regulations of the procurement code. As part of an experiment, it aims to make mandatory the electronic response to prepare for 2010 with a feedback. (Source: website Minefi-Procurement Laws).

Experimentation on economic sectors in which the number and proportion of economic operators may submit an application and an electronic offer is consistent with effective competition. It will end December 31, 2009.

Every buyer is eligible for testing. This experiment is valid for 12 months and must represent less than half of formalized procedures initiated. It must be the subject of prior notification (duration, purpose, economic sector, technical solution, communication strategy), a review and evaluation.

This decree is an evolution of regulations on the gradual introduction of e-procurement to allow buyers to impose it in 2010.

remember key dates in:

- 2001:: The buyer may allow candidates to submit their bids electronically.

- 2005: the buyer can not prohibit the submission of bids by electronic means.

- 2007: the buyer can make the submission of bids by electronic means mandatory, as

experimental.

- 2010: The buyer may impose electronic tenders. These regulations

progressive fall in the i2010 Action Plan adopted by the European Commission which set the 2010 deadline, different objectives, including:

- to post 100% of the market Public

- to ensure that 50% of government contracts are formalized made electronically. These developments

procurement code can only reinforce the need for a quick exchange standard dematerialized markets. MIO (Markets Inter-operable) addresses this need.

(For more information: http://perso.orange.fr/marketis.biz/index_fichiers/Page1146.htm )

Text VANGELUWE Christian - MARKET NEWS - July 2007

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Distinguish Nomenclature and Classification

At first glance, Nomenclature and Classification differentiate seems difficult, since the two concepts are similar and intertwined.

What is classification? This is a list of terms constructed according to rules of pre-established name. Its purpose is to give a name to objects, so that these objects are recognized without ambiguity. The names used are constructed according to rules of syntax that allows its standardization. In practice

create a nomenclature is to establish a directory of unambiguous terms, to combine under one name a set of objects that perform similar functions or equivalent, or who have common characteristics.

These terms should be associated with a definition, which should enable an individual to recognize the product with sufficient accuracy.

Two items stored under the same name are considered equal by the users of the nomenclature.

A classification is a distribution of items by class, by category, composed of elements more and more alike, in an order and a certain method, based on criteria hierarchy. A classification responds to a defined objective, which is why it is customary to use several to cover a range of needs.

and distributed objects are those defined by the nomenclature.

The ambiguity that exists between these two concepts is that in either case we practice groupings of objects, attachment to an end in the case of the nomenclature, a family or a class in the case of the classification.

is their purpose, which distinguishes them:

- The classification allows to refer a common language in a given business environment. The nomenclature is unique, so that classifications are multiple.

- The Classifications are tools for research (although modern technology search "full" text reduce its use to cases where the research would on unknown objects) and especially analysis and comparison.

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Classification: some basic

A classification includes objects (defined by the nomenclature) into levels or classes, according to hierarchical criteria fit for purpose (A classification serves a purpose defined). These criteria are prioritized in order to obtain clusters whose size decreases with the degree of accuracy. They vary according to: nature of materials, use, origin, technology ...

By partitioning a set of object classes and sub-class consisting of elements more and more similar and according to criteria corresponding to a precise and logical accepted classification is a research tool .

is also a tool for economic analysis and comparison to a standardized approach by successive levels whose degree aggregation is chosen according to the level of analysis relevant to the observer (economic representation). This function only makes economic sense if the same classification is used by all economic entities (manufacturers, distributors, consumers).

In the case of drugs, both classifications are commonly used:

ATC (Anatomical Therapeutical Chemical Classification managed by WHO Europe), focusing on users and EphMRA (European Pharmaceutical Marketing Research Association classification) marketing purposes.

In the field of medical devices consumables, CLADIMED is the choice of hospitals and suppliers.

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The GMDN: Global Medical Device Nomenclature

The Global Medical Device Nomenclature (GMDN) is the first medical device nomenclature official character available in Europe. This is a directory of more than 9000 generic terms (preferred terms) to regroup and to unambiguously identify medical devices according to their characteristics or common destinations. These terms are constructed according to rules defined terminology and are characterized by a code and a definition. It is thus theoretically possible
to attach any device marketed a unique code. The GMDN is the culmination of an international collaborative work funded by the European Union. Its scope goes beyond the EU because it is recognized by the American authorities, including Japan and Australia. It provides an early answer two major problems in the field of management of medical devices: a standardized terminology and a means of identification supported by a set code + + preferred term definition that claims to meet all cases.
The primary use of GMDN is data exchange between regulatory authorities Europe.

To learn more: The "Global Medical Device Nomenclature": a reference nomenclature for the management of consumable medical devices. Ann Pharm Fr 2005, 63: 295-303