{"id":289,"date":"2026-03-31T11:59:01","date_gmt":"2026-03-31T09:59:01","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=289"},"modified":"2026-04-07T15:11:18","modified_gmt":"2026-04-07T13:11:18","slug":"retraite-le-tresor-preconise-un-recul-de-lage-de-depart-a-65-ans","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/retraite-le-tresor-preconise-un-recul-de-lage-de-depart-a-65-ans","title":{"rendered":"Retraite : le Tr\u00e9sor pr\u00e9conise un recul de l\u2019\u00e2ge de d\u00e9part \u00e0 65 ans"},"content":{"rendered":"<p>Selon les derni\u00e8res projections du Conseil d\u2019orientation des retraites (COR), le d\u00e9ficit du syst\u00e8me fran\u00e7ais des retraites devrait atteindre 5 milliards d\u2019euros cette ann\u00e9e et 6,6 milliards d\u2019euros en 2030. C\u2019est pourquoi le COR a demand\u00e9 \u00e0 la Direction g\u00e9n\u00e9rale du Tr\u00e9sor (DG Tr\u00e9sor), \u00e0 l\u2019Observatoire fran\u00e7ais des conjonctures \u00e9conomiques (OFCE) et \u00e0 la Paris School of Economics (\u00c9cole d\u2019\u00e9conomie de Paris, PSE) de lui soumettre des solutions pour combler ce \u00ab trou \u00bb provoqu\u00e9 par le vieillissement de la population.<\/p>\n<p>Les travaux de la DG Tr\u00e9sor, de l\u2019OFCE et de la PSE ont \u00e9t\u00e9 pr\u00e9sent\u00e9s lors d\u2019une r\u00e9union du COR organis\u00e9e le 26 mars 2026. Et c\u2019est, de loin, les pr\u00e9conisations de la premi\u00e8re qui ont le plus marqu\u00e9 les esprits. En premier lieu, parce que la DG Tr\u00e9sor constitue l\u2019une des directions du minist\u00e8re de l\u2019\u00c9conomie, des Finances et de la Souverainet\u00e9 industrielle, \u00e9nerg\u00e9tique et num\u00e9rique.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Trois_leviers_traditionnels\"><\/span><strong>Trois leviers traditionnels<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ensuite, parce que la conclusion du Tr\u00e9sor est sans appel : il faut repousser l\u2019\u00e2ge l\u00e9gal (l\u2019\u00e2ge \u00e0 partir duquel les Fran\u00e7ais sont autoris\u00e9s \u00e0 liquider leurs droits \u00e0 la retraite) de 64 \u00e0 65 ans. Pour arriver \u00e0 une telle assertion, les experts de Bercy sont partis des trois leviers traditionnels pour augmenter les recettes d\u2019un syst\u00e8me des retraites par r\u00e9partition (les cotisations vieillesse des actifs financent imm\u00e9diatement les pensions des retrait\u00e9s) comme le n\u00f4tre : la hausse des cotisations, la baisse des pensions et le recul de l\u2019\u00e2ge l\u00e9gal.<\/p>\n<p>Le Tr\u00e9sor commence par balayer l\u2019id\u00e9e d\u2019une hausse des cotisations vieillesse. Augmenter les cotisations patronales de 6 milliards d\u2019euros p\u00e8serait sur la comp\u00e9titivit\u00e9 des entreprises, ce qui d\u00e9truirait 10 000 \u00e0 50 000 emplois. Une augmentation des cotisations sociales de 6 milliards d\u2019euros r\u00e9duirait le pouvoir d\u2019achat des salari\u00e9s, et par ricochet, la consommation, ce qui engendrerait entre 20 000 et 30 000 pertes d\u2019emploi. Or, plus de ch\u00f4mage, c\u2019est moins de cotisations, et donc moins de recettes pour le syst\u00e8me des retraites.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Entre_210_000_et_240_000_emplois_supplementaires\"><\/span><strong>Entre 210 000 et 240 000 emplois suppl\u00e9mentaires<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La baisse des pensions (par une absence de revalorisation annuelle des retraites) ne convient pas non plus au Tr\u00e9sor. R\u00e9duire de 6 milliards d\u2019euros les pensions de vieillesse ferait baisser le niveau de vie des retrait\u00e9s et, l\u00e0 aussi, la consommation. Les pertes d\u2019emploi s\u2019\u00e9l\u00e8veraient \u00e0 environ 10 000 postes.<\/p>\n<p>\u00c0 l\u2019inverse, d\u00e9caler l\u2019\u00e2ge l\u00e9gal de 64 \u00e0 65 ans rapporterait entre 8 et 10 milliards d\u2019euros, ce qui permettrait de r\u00e9sorber le d\u00e9ficit. Obliger les Fran\u00e7ais \u00e0 travailler un an de plus permettrait de cr\u00e9er entre 210 000 et 240 000 emplois. Le Tr\u00e9sor souligne qu\u2019outre les cotisations suppl\u00e9mentaires, un d\u00e9part \u00e0 la retraite \u00e0 65 ans permettrait \u00e0 l\u2019\u00c9tat d\u2019engranger davantage de TVA et d\u2019imp\u00f4t sur le revenu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour r\u00e9sorber le d\u00e9ficit du syst\u00e8me fran\u00e7ais des retraites, la Direction g\u00e9n\u00e9rale du Tr\u00e9sor conseille, dans un r\u00e9cent rapport, de reporter l\u2019\u00e2ge minimum de d\u00e9part \u00e0 la retraite de 64 \u00e0 65 ans.<\/p>\n","protected":false},"author":13713,"featured_media":280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - 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