{"id":603,"date":"2021-01-26T00:00:00","date_gmt":"2021-01-25T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2013\/08\/26\/les-obligations-des-conseillers-en-matiere-de-protection-des-epargnants\/"},"modified":"2021-12-15T15:36:26","modified_gmt":"2021-12-15T13:36:26","slug":"les-obligations-des-conseillers-en-matiere-de-protection-des-epargnants","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-obligations-des-conseillers-en-matiere-de-protection-des-epargnants\/","title":{"rendered":"Les obligations des conseillers en mati\u00e8re de protection des \u00e9pargnants"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La commercialisation des instruments financiers est harmonis\u00e9e au niveau europ\u00e9en par une directive (nomm\u00e9e MIF March\u00e9 des Instruments Financiers). La relation entre le client et son conseiller financier et la fa\u00e7on de souscrire un instrument financier sont pr\u00e9cises. La responsabilit\u00e9 du conseiller est bien d\u00e9finie ; la tra\u00e7abilit\u00e9 de l'op\u00e9ration et du conseil est mieux assur\u00e9e.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles sont les obligations du conseiller ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour vous recommander un produit, votre conseiller bancaire doit suivre un formalisme pr\u00e9cis qui lui permet de conserver la trace :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de vos attentes : vous r\u00e9pondrez \u00e0 un questionnaire dans lequel vous fournirez les \u00e9l\u00e9ments de votre contexte personnel (familial, fiscal, etc.) ainsi que vos souhaits concernant le produit (en mati\u00e8re de risque, de rendement, etc.),<\/li><li>des caract\u00e9ristiques des produits qu'il vous a conseill\u00e9 de souscrire (ou des op\u00e9rations qu'il vous a conseill\u00e9 de faire) : ces caract\u00e9ristiques devront \u00eatre rapproch\u00e9es de vos attentes pour en v\u00e9rifier la bonne ad\u00e9quation.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Lors de la souscription du produit, votre conseiller doit v\u00e9rifier que vous disposez de l'exp\u00e9rience et des connaissances suffisantes pour appr\u00e9hender les risques \u00e9ventuellement li\u00e9s \u00e0 l'instrument financier souscrit. Et si tel n'est pas le cas, il doit vous mettre en garde.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Quels sont les produits concern\u00e9s ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'ensemble des instruments financiers est concern\u00e9 : valeurs mobili\u00e8res (actions, obligations, \u2026), parts ou actions d'OPCVM (organisme de placement collectif en valeurs mobili\u00e8res, c'est-\u00e0-dire des SICAV Soci\u00e9t\u00e9 d'investissement \u00e0 capital variable ou des FCP Fonds commun de placement), mais aussi les produits d\u00e9riv\u00e9s financiers (par exemple des warrants).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leur commercialisation peut se faire en agence ou via des proc\u00e9d\u00e9s de vente \u00e0 distance.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir<\/strong> : Si votre situation a \u00e9volu\u00e9, vous pouvez demander \u00e0 votre conseiller un entretien visant \u00e0 mettre \u00e0 jour les informations vous concernant, et le cas \u00e9ch\u00e9ant, vous proposer des instruments financiers adapt\u00e9s \u00e0 vos nouvelles attentes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Qui est prot\u00e9g\u00e9 ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On distingue le client (professionnel \/ non professionnel) en fonction de son exp\u00e9rience, de ses connaissances, de sa comp\u00e9tence qui sont n\u00e9cessaires pour \u00e9valuer par lui-m\u00eame correctement les risques encourus dans une d\u00e9cision d'investissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le client non professionnel (statut standard) b\u00e9n\u00e9ficie d'un niveau de protection sup\u00e9rieur avec davantage de formalisme dans l'information et le conseil pr\u00e9alables.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir<\/strong> : \"Client non professionnel\", vous pouvez demander \u00e0 opter pour le statut de \"client professionnel\" pour acc\u00e9der \u00e0 des instruments financiers plus complexes. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour obtenir le statut de \"client professionnel\", vous devrez remplir au moins deux des conditions suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>disposer d'au moins 500 000 euros d'actifs financiers,<\/li><li>avoir conclu 10 transactions d'un montant sup\u00e9rieur \u00e0 600 \u20ac par trimestre au cours des 4 derniers trimestres,<\/li><li>avoir occup\u00e9 des fonctions professionnelles n\u00e9cessitant une expertise financi\u00e8re.<\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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 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<picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/clarifier-objectifs-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/clarifier-objectifs-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/clarifier-objectifs-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/clarifier-objectifs-_BD.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 pr\u00e9cautions \u00e0 prendre<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Clarifiez vos objectifs d&#039;\u00e9pargne<\/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 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La relation entre le client et son conseiller financier et la fa\u00e7on de souscrire un instrument financier sont pr\u00e9cises. La responsabilit\u00e9 du conseiller est bien d\u00e9finie ; la tra\u00e7abilit\u00e9 de l'op\u00e9ration et du conseil est mieux [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5395,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":0,"views":4254,"viewed_at":"1778484464","newsletter":"0","_yoast_wpseo_primary_category":188,"footnotes":""},"categories":[188,30,276],"tags":[],"class_list":["post-603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-protection-des-epargnants","category-le-choix","category-mon-epargne"],"yoast_head":"<title>Les obligations des conseillers en mati\u00e8re de protection des \u00e9pargnants - La protection des \u00e9pargnants - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"La commercialisation des instruments financiers est harmonis\u00e9e par une directive europ\u00e9enne.\" \/>\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\/particulier\/les-obligations-des-conseillers-en-matiere-de-protection-des-epargnants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les obligations des conseillers en mati\u00e8re de protection des \u00e9pargnants - 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