{"id":356,"date":"2026-02-11T00:00:00","date_gmt":"2026-02-10T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/19\/les-certificats-de-depot\/"},"modified":"2026-02-12T15:11:09","modified_gmt":"2026-02-12T13:11:09","slug":"certificats-de-depot","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/certificats-de-depot\/","title":{"rendered":"Le certificat de d\u00e9p\u00f4t : comment fonctionne ce placement d'entreprise ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Moins connu que le compte \u00e0 terme ou les&nbsp;organismes de placement collectif en valeur mobili\u00e8re (OPCVM), le certificat de d\u00e9p\u00f4t s'adresse plut\u00f4t \u00e0 des entreprises qui ont la possibilit\u00e9 de placer des montants \u00e9lev\u00e9s et sont capables de g\u00e9rer ces montants, avec un suivi comptable et r\u00e9glementaire adapt\u00e9. \u00c0 quoi correspond ce produit financier ? Qui peut y acc\u00e9der ? Quels sont ses avantages, ses limites et les pr\u00e9cautions \u00e0 prendre ?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce qu'un certificat de d\u00e9p\u00f4t ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le certificat de d\u00e9p\u00f4t<\/strong> est principalement utilis\u00e9 par les <strong>grandes entreprises, les institutions financi\u00e8res ou les tr\u00e9soreries d\u2019entreprise bien organis\u00e9es<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce produit permet \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une entreprise bien structur\u00e9e de <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/placer-tresorerie\/\">placer son exc\u00e9dent de tr\u00e9sorerie <\/a><strong>\u00e0 court terme ;<\/strong><\/li><li><strong>une banque ou un \u00e9tablissement financier <\/strong>d'emprunter de l'argent rapidement pour se financer sur une courte dur\u00e9e (quelques jours \u00e0 un an).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous optez pour ce type de placement, un&nbsp;<strong>titre de cr\u00e9ance n\u00e9gociable (TCN)<\/strong>&nbsp;vous sera remis par la banque ou l'\u00e9tablissement financier emprunteur en reconnaissance de dette.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Imaginez que votre entreprise pr\u00eate une somme \u00e0 une banque pour quelques mois. En \u00e9change, la banque vous remet un document officiel \u2013 c\u2019est un&nbsp;<strong>titre de cr\u00e9ance n\u00e9gociable (TCN)<\/strong> \u2013 qui confirme qu\u2019elle vous rendra cet argent \u00e0 une date pr\u00e9cise, avec des int\u00e9r\u00eats connus \u00e0 l\u2019avance.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pour quelles entreprises les certificats de d\u00e9p\u00f4t sont-ils adapt\u00e9s ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le certificat de d\u00e9p\u00f4t n\u2019est <strong>pas un placement courant pour les TPE<\/strong>. Il s\u2019adresse plut\u00f4t :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>PME ou grandes entreprises<\/strong> disposant d\u2019une <strong>cellule de gestion de tr\u00e9sorerie<\/strong> structur\u00e9e ;<\/li><li>entreprises pouvant placer des&nbsp;<strong>montants importants (souvent plusieurs centaines de milliers d\u2019euros) ;<\/strong><\/li><li>et qui recherchent une&nbsp;<strong>alternative s\u00e9curis\u00e9e et \u00e0 court terme<\/strong> aux placements traditionnels.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A noter : ces titres sont&nbsp;<strong>souvent n\u00e9goci\u00e9s sur des march\u00e9s interbancaires<\/strong> ou via des services sp\u00e9cialis\u00e9s. Ils n\u00e9cessitent donc un certain niveau d\u2019organisation et de comp\u00e9tence financi\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un certificat de d\u00e9p\u00f4t ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les principales caract\u00e9ristiques d\u2019un certificat de d\u00e9p\u00f4t :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>dur\u00e9e<\/strong> : g\u00e9n\u00e9ralement comprise entre <strong>1 jour et 1 an, <\/strong>plus rarement jusqu\u2019\u00e0 2 ans ;<\/li><li><strong>taux<\/strong> : il peut \u00eatre <strong>fixe ou variable<\/strong>, d\u00e9termin\u00e9 \u00e0 l\u2019\u00e9mission. Il d\u00e9pend des conditions de march\u00e9 et de la qualit\u00e9 de l\u2019\u00e9metteur ;<\/li><li><strong>\u00e9metteur<\/strong> : uniquement une banque ou un \u00e9tablissement de cr\u00e9dit agr\u00e9\u00e9 ;<\/li><li><strong>forme<\/strong> : c\u2019est un <strong>titre d\u00e9mat\u00e9rialis\u00e9<\/strong>, inscrit dans un syst\u00e8me de r\u00e8glement-livraison (type Euroclear France).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9mun\u00e9ration peut \u00eatre vers\u00e9e \u00e0 l\u2019\u00e9ch\u00e9ance (int\u00e9r\u00eats simples) ou \u00e0 travers un prix d\u2019\u00e9mission d\u00e9cot\u00e9 (rendement implicite).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les avantages des certificats de d\u00e9p\u00f4t pour une entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le certificat de d\u00e9p\u00f4t pr\u00e9sente plusieurs avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>s\u00e9curit\u00e9 : <\/strong>l'\u00e9metteur est g\u00e9n\u00e9ralement un \u00e9tablissement bancaire r\u00e9glement\u00e9. Le risque de d\u00e9faut est faible, bien qu\u2019il existe ;<\/li><li><strong>souplesse de dur\u00e9e : <\/strong>des maturit\u00e9s tr\u00e8s courtes sont possibles, permettant une <strong>gestion fine de la tr\u00e9sorerie ;<\/strong><\/li><li><strong>rendement attractif : <\/strong>pour des montants \u00e9lev\u00e9s, le rendement peut \u00eatre sup\u00e9rieur \u00e0 celui d\u2019un compte \u00e0 terme, notamment en p\u00e9riode de taux \u00e9lev\u00e9s ;<\/li><li><strong>march\u00e9 secondaire actif :&nbsp;<\/strong>dans certains cas, les certificats peuvent \u00eatre <strong>revendus avant l\u2019\u00e9ch\u00e9ance<\/strong>, bien que cela d\u00e9pende de la liquidit\u00e9 du titre.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les inconv\u00e9nients et les risques ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de choisir un certificat de d\u00e9p\u00f4t pour placer votre tr\u00e9sorerie, il est important de bien comprendre ses principaux inconv\u00e9nients et mesurer que ce placement n'est pas sans risques :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>accessibilit\u00e9 limit\u00e9 :&nbsp;<\/strong>ce placement est r\u00e9serv\u00e9 aux&nbsp;<strong>investisseurs professionnels<\/strong> ou qualifi\u00e9s. Une TPE ne pourra pas y acc\u00e9der directement ;<\/li><li><strong>montant minimum \u00e9lev\u00e9 : <\/strong>il faut g\u00e9n\u00e9ralement&nbsp;<strong>au moins 150 000 \u20ac \u00e0 200 000 \u20ac<\/strong> par op\u00e9ration ;<\/li><li><strong>n\u00e9cessit\u00e9 d\u2019un compte-titres : <\/strong>le certificat de d\u00e9p\u00f4t \u00e9tant un titre financier, il doit \u00eatre log\u00e9 dans un&nbsp;<strong>compte-titres entreprise<\/strong>, ce qui implique des frais et des d\u00e9marches ;<\/li><li><strong>risque de taux et de contrepartie : <\/strong>le capital est normalement garanti, mais un&nbsp;<strong>risque de d\u00e9faut de l\u2019\u00e9metteur<\/strong> n\u2019est jamais totalement exclu.&nbsp;En cas de revente avant l\u2019\u00e9ch\u00e9ance, la valeur du titre peut \u00eatre inf\u00e9rieure au prix d\u2019achat.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment investir dans un certificat de d\u00e9p\u00f4t ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acc\u00e9der \u00e0 ce type de placement, votre entreprise doit g\u00e9n\u00e9ralement :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>disposer d\u2019un <strong>compte-titres professionnel<\/strong> dans une banque habilit\u00e9e ;<\/li><li>avoir le <strong>statut d\u2019investisseur qualifi\u00e9<\/strong>, ou passer par un <strong>interm\u00e9diaire financier<\/strong> comme une soci\u00e9t\u00e9 de gestion, un tr\u00e9sorier externalis\u00e9 ;<\/li><li>\u00eatre en mesure de placer des <strong>montants importants sur des p\u00e9riodes fixes<\/strong>, sans besoin de liquidit\u00e9 pendant la dur\u00e9e.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce type de placement peut faire partie d\u2019une <strong>strat\u00e9gie globale de tr\u00e9sorerie<\/strong>, int\u00e9grant d\u2019autres instruments (<a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/comptes-a-terme\/\">Compte \u00e0 terme<\/a>, <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/opcvm-monetaires\/\">OPCVM<\/a>, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle fiscalit\u00e9 pour les certificats de d\u00e9p\u00f4t ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les revenus issus des certificats de d\u00e9p\u00f4t sont trait\u00e9s comme des <strong>produits financiers<\/strong>, au m\u00eame titre que les int\u00e9r\u00eats d\u2019un compte \u00e0 terme ou d\u2019obligations. Pour une entreprise :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>soumise \u00e0 l\u2019<strong>imp\u00f4t sur les soci\u00e9t\u00e9s<\/strong>, les int\u00e9r\u00eats per\u00e7us sont <strong>imposables au taux de l\u2019IS<\/strong>.<\/li><li>individuelle, ils sont&nbsp;<strong>soumis \u00e0 l\u2019imp\u00f4t sur le revenu<\/strong> selon le r\u00e9gime applicable.<\/li><li>des <strong>pr\u00e9l\u00e8vements sociaux<\/strong> peuvent \u00e9galement s\u2019appliquer selon la situation.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est conseill\u00e9 de <strong>consulter votre expert-comptable<\/strong> pour bien int\u00e9grer ces placements dans la strat\u00e9gie fiscale et comptable de votre entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle est la diff\u00e9rence entre un certificat de d\u00e9p\u00f4t et un billet de tr\u00e9sorerie ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les certificats de d\u00e9p\u00f4t et les billets de tr\u00e9sorerie sont deux titres de cr\u00e9ance n\u00e9gociables (TCN) utilis\u00e9s pour g\u00e9rer des besoins de tr\u00e9sorerie \u00e0 court terme. Toutefois, ils diff\u00e8rent sur plusieurs points cl\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Certificat de d\u00e9p\u00f4t<\/td><td>Billet de tr\u00e9sorerie<\/td><\/tr><tr><td>Emetteur :<br>Banque ou \u00e9tablissement de cr\u00e9dit<\/td><td><br>Entreprise<\/td><\/tr><tr><td>Objectif :<br>Financer une banque via unplacement<\/td><td><br>Financer directement l'entreprise \u00e9mettrice<\/td><\/tr><tr><td>Public cible :<br>Investisseurs institutionnels ou entreprises qualifi\u00e9es<\/td><td><br>Idem mais avec un niveau de risque l\u00e9g\u00e8rement sup\u00e9rieur<\/td><\/tr><tr><td>Risque :<br>Faible (li\u00e9 \u00e0 la banque)<\/td><td><br>D\u00e9pend de la solidit\u00e9 de l'entreprise \u00e9mettrice<\/td><\/tr><tr><td>Dur\u00e9e :<br>De quelques jours \u00e0 1 an, parfois 2<\/td><td><br>Souvent de 1 mois \u00e0 1 an<\/td><\/tr><tr><td>March\u00e9 :<br>Interbancaire ou gr\u00e9 \u00e0 gr\u00e9<\/td><td><br>March\u00e9 gr\u00e9 \u00e0 gr\u00e9, souvent via un courtier ou une salle des march\u00e9s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En r\u00e9sum\u00e9 : le certificat de d\u00e9p\u00f4t est un pr\u00eat \u00e0 une banque ; le billet de tr\u00e9sorerie est un pr\u00eat direct \u00e0 une entreprise.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un investisseur (comme une PME), les certificats de d\u00e9p\u00f4t sont souvent per\u00e7us comme plus s\u00e9curis\u00e9s, car l\u2019\u00e9metteur est une institution bancaire r\u00e9gul\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En bref sur les certificats de d\u00e9p\u00f4t<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Les certificats de d\u00e9p\u00f4t sont des placements court terme, s\u00e9curis\u00e9s et potentiellement r\u00e9mun\u00e9rateurs,<\/li><li><strong>r\u00e9serv\u00e9s \u00e0 une certaine cat\u00e9gorie d\u2019entreprises <\/strong>(principalement aux entreprises structur\u00e9es avec une gestion active de la tr\u00e9sorerie), non&nbsp;accessibles aux TPE ou aux montants modestes ;<\/li><li>avec un potentiel de rendement comp\u00e9titif pour des montants \u00e9lev\u00e9s ;<\/li><li>et des contraintes op\u00e9rationnelles et r\u00e9glementaires sp\u00e9cifiques.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur le certificat de d\u00e9p\u00f4t<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">A quoi sert l'attestation de d\u00e9p\u00f4t ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre d\u2019un certificat de d\u00e9p\u00f4t, l'attestation de d\u00e9p\u00f4t est un document qui pr\u00e9cise le montant d\u00e9pos\u00e9, la dur\u00e9e du placement, le taux d\u2019int\u00e9r\u00eat appliqu\u00e9, ainsi que la date d\u2019\u00e9ch\u00e9ance. Cette attestation sert de preuve l\u00e9gale de votre investissement aupr\u00e8s de la banque.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">A quoi correspond une attestation de d\u00e9p\u00f4t de capital ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A ne pas confondre avec un certificat de d\u00e9p\u00f4t bancaire classique, qui concerne simplement le versement de fonds sur un compte et n\u2019a aucun lien avec la constitution du capital social d\u2019une soci\u00e9t\u00e9. L'attestation de d\u00e9p\u00f4t de capital est un document sp\u00e9cifique aux entreprises, d\u00e9livr\u00e9 par la banque lors de la cr\u00e9ation d\u2019une soci\u00e9t\u00e9. Il certifie que les fondateurs ont bien vers\u00e9 le capital social (argent ou apports) sur un compte bloqu\u00e9 en attendant l\u2019immatriculation de l\u2019entreprise. Cette attestation est souvent exig\u00e9e par le greffe pour valider la cr\u00e9ation de la soci\u00e9t\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle diff\u00e9rences entre un certificat de d\u00e9p\u00f4t et un certificat de d\u00e9p\u00f4t n\u00e9gociable ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le certificat de d\u00e9p\u00f4t est un produit d'\u00e9pargne, c'est un placement \u00e0 terme non revendable, conserv\u00e9 jusqu\u2019\u00e0 l\u2019\u00e9ch\u00e9ance.<br>Le certificat de d\u00e9p\u00f4t n\u00e9gociable (CDN) est un instrument de march\u00e9 mon\u00e9taire, il&nbsp;peut \u00eatre revendu sur le march\u00e9 financier avant l\u2019\u00e9ch\u00e9ance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on perdre de l'argent avec un certificat de d\u00e9p\u00f4t ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, si le certificat de d\u00e9p\u00f4t est revendu avant l\u2019\u00e9ch\u00e9ance \u00e0 un prix inf\u00e9rieur au montant investi, autrement, \u00e0 terme, le capital est g\u00e9n\u00e9ralement garanti.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Les certificats de d\u00e9p\u00f4ts apparaissent-ils sur les comptes annuels ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, les certificats de d\u00e9p\u00f4t apparaissent au bilan de l\u2019entreprise : en actif si d\u00e9tenus, et les int\u00e9r\u00eats courus sont enregistr\u00e9s en compte de produit.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quel est le taux d'int\u00e9r\u00eat d'un certificat de d\u00e9p\u00f4t ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de taux standard r\u00e9glement\u00e9 pour les certificats de d\u00e9p\u00f4t \u2014 chaque \u00e9tablissement fixe librement son taux en fonction de la dur\u00e9e, du montant et de l\u2019environnement des taux d\u2019int\u00e9r\u00eat.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Le certificat de d\u00e9p\u00f4t : comment fonctionne ce placement d'entreprise ?\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.banque-france.fr\/politique-monetaire\/marche-des-tcn\/principales-caracteristiques-des-tcn\/principales-caracteristiques-des-certificats-de-depot-en-vigueur-au-1er-janvier-2013.html\">Banque de France : caract\u00e9ristiques principales des certificats de d\u00e9p\u00f4ts<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/plan-epargne-entreprise-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/plan-epargne-entreprise-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/plan-epargne-entreprise-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/03\/plan-epargne-entreprise.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">L&#039;\u00e9pargne salariale<\/p>\n                                    <\/div>\n            <\/div>\n            <div 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class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/compte-epargne-pro\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/04\/compte-epargne-pro.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les placements<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Compte \u00e9pargne pro : quel fonctionnement et pourquoi l&#039;adopter ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Moins connu que le compte \u00e0 terme ou les&nbsp;organismes de placement collectif en valeur mobili\u00e8re (OPCVM), le certificat de d\u00e9p\u00f4t s'adresse plut\u00f4t \u00e0 des entreprises qui ont la possibilit\u00e9 de placer des montants \u00e9lev\u00e9s et sont capables de g\u00e9rer ces montants, avec un suivi comptable et r\u00e9glementaire adapt\u00e9. \u00c0 quoi correspond ce produit financier ? [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2965,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":45483,"viewed_at":"1778495823","newsletter":"0","_yoast_wpseo_primary_category":139,"footnotes":""},"categories":[102,139],"tags":[],"class_list":["post-356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-de-tresorerie","category-les-placements"],"yoast_head":"<title>Le certificat de d\u00e9p\u00f4t : comment fonctionne ce placement d&#039;entreprise ? - Les placements - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Les certificats de d\u00e9p\u00f4t, des placements s\u00e9curis\u00e9s \u00e0 court terme pour les entreprises disposant d&#039;une tr\u00e9sorerie importante.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/certificats-de-depot\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le certificat de d\u00e9p\u00f4t : comment fonctionne ce placement d&#039;entreprise ? 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