Employee savings: a unique instrument to address multiple issues.

Summary Employee savings is nowadays at the heart of the news. The government wants to boost consumption and is looking for solutions to the problem of pensions. Companies are trying to motivate their employees and build loyalty. Employees want to maintain a certain purchasing power, while building up savings. Employee savings also concern trade unions, which see it as a way to consolidate their position within companies while giving a more supportive dimension to these schemes. Finally, the banks that promote these schemes also use them as tools to develop their market share. The objective of this thesis is to show the usefulness of employee savings schemes for each of these actors, to study their limits, interactions and their place in contemporary capitalism.