{"id":2005,"date":"2022-09-08T15:00:39","date_gmt":"2022-09-08T13:00:39","guid":{"rendered":"http:\/\/aurexia.com\/insights\/?p=2005"},"modified":"2023-08-03T16:51:54","modified_gmt":"2023-08-03T14:51:54","slug":"gouvernance-produit-mif-ii-durabilite","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/gouvernance-produit-mif-ii-durabilite\/","title":{"rendered":"Gouvernance produit MIF 2 ESG (crit\u00e8res de durabilit\u00e9)"},"content":{"rendered":"\n<p>La <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/FR\/TXT\/?uri=CELEX%3A32021R1253&amp;qid=1628094884365\" target=\"_blank\" rel=\"noreferrer noopener\">directive d\u00e9l\u00e9gu\u00e9e MIF 2 <\/a>exige qu&rsquo;\u00e0 compter du 22\/11\/2022, les institutions financi\u00e8res int\u00e8grent les crit\u00e8res de durabilit\u00e9 \u00e0 la gouvernance produit. A ce titre, Aurexia est ravi de vous partager un aper\u00e7u de son analyse des principaux enjeux li\u00e9s \u00e0 cette \u00e9volution.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-left\"><strong>Conseil en investissement : principales \u00e9ch\u00e9ances r\u00e9glementaires impactant la gouvernance produits<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"511\" src=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501-1024x511.png\" alt=\"Calendrier r\u00e9glementaire concernant l'application des crit\u00e8res de durabilit\u00e9 avec MIF 2\" class=\"wp-image-2009\" srcset=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501-1024x511.png 1024w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501-300x150.png 300w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501-768x384.png 768w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501-1536x767.png 1536w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-115501.png 1670w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Rappel des exigences de gouvernance produit MIF 2 et introduction de la durabilit\u00e9<\/strong><\/p>\n\n\n\n<p>Une gouvernance produit reposant sur l\u2019identification d\u2019un march\u00e9 cible au travers de 5 crit\u00e8res:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La connaissance et l\u2019exp\u00e9rience du client<\/li>\n\n\n\n<li>Le type de clients auxquels le produit est destin\u00e9 (retail, professionnel et\/ou contrepartie \u00e9ligible)<\/li>\n\n\n\n<li>La situation financi\u00e8re (capacit\u00e9 \u00e0 supporter des pertes) du client<\/li>\n\n\n\n<li>L\u2019app\u00e9tence au risque du client<\/li>\n\n\n\n<li>Les objectifs et besoins du client (strat\u00e9gie et horizon d\u2019investissement)\n<ul class=\"wp-block-list\">\n<li>La directive d\u00e9l\u00e9gu\u00e9e MIF 2 du 21 avril 2021 impose d\u00e9sormais aux producteurs et aux<br>distributeurs d\u2019identifier des objectifs de durabilit\u00e9 venant s\u2019agr\u00e9ger aux objectifs<br>d\u2019investissement.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Il \u00e9tait attendu des distributeurs qu\u2019ils adoptent une approche plus granulaire en prenant \u00e9galement en compte:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le profil de leur client\u00e8le<\/li>\n\n\n\n<li>La nature du produit<\/li>\n\n\n\n<li>Le type de services d\u2019investissements propos\u00e9s<\/li>\n\n\n\n<li>Le niveau d\u2019informations recueillies<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Int\u00e9gration des crit\u00e8res de durabilit\u00e9 dans la gouvernance produit avec la directive MIF 2 du 21\/04\/2021<\/strong><\/h4>\n\n\n\n<p>Mise en place de 4 mesures phares :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Les producteurs et les distributeurs sont tenus, dans le cadre de la d\u00e9termination du march\u00e9 cible, de pr\u00e9ciser avec quels objectifs en mati\u00e8re de durabilit\u00e9, l\u2019instrument financier est compatible.<\/li>\n\n\n\n<li>Les facteurs de durabilit\u00e9 doivent \u00eatre pr\u00e9sent\u00e9s de mani\u00e8re transparente et fournir aux distributeurs les informations pertinentes pour leur permettre de mettre en ad\u00e9quation l\u2019instrument financier avec les objectifs en mati\u00e8re de durabilit\u00e9 poursuivis par leurs clients.<\/li>\n\n\n\n<li>L\u2019ad\u00e9quation entre l\u2019instrument financier et les objectifs de durabilit\u00e9 doit faire l\u2019objet d\u2019un r\u00e9examen p\u00e9riodique par les producteurs et les distributeurs.<\/li>\n\n\n\n<li>Les producteurs et distributeurs ne sont pas tenus d\u2019identifier les objectifs en mati\u00e8re de durabilit\u00e9 avec lesquels l\u2019instrument financier ne serait pas compatible.<\/li>\n<\/ol>\n\n\n\n<p>Date d\u2019entr\u00e9e en vigueur : 22\/11\/2022<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Gouvernance produit et durabilit\u00e9 : lignes directrices de l\u2019ESMA<\/strong><\/h4>\n\n\n\n<p>Principales recommandations formul\u00e9es :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9ciser la proportionminimale du produit investie :\n<ul class=\"wp-block-list\">\n<li>dans une activit\u00e9 durable sur le plan environnemental (au sens du r\u00e8glement Taxonomie),<\/li>\n\n\n\n<li>dans une activit\u00e9 durable sur le plan environnemental OU social ET dans des entreprises avec des bonnes pratiques de<br>gouvernance (au sens du r\u00e8glement SFDR).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><em>Le terme de \u00ab proportion minimale \u00bb doit \u00eatre entendu au sens large et peut s\u2019appliquer \u00e0 des produits dont les facteurs de durabilit\u00e9 n\u2019entrent pas dans le champ d\u2019application de Taxonomie ou SFDR.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9terminer si le produit se concentre sur des crit\u00e8res environnementaux, sociaux ou de gouvernance ou une combinaison de ces crit\u00e8res.<\/li>\n\n\n\n<li>Pr\u00e9ciser les principales incidences n\u00e9gatives (PAI) sur les facteurs de durabilit\u00e9 pris en compte par le produit. Les entreprises peuvent adopter une approche par cat\u00e9gorie (performance \u00e9nerg\u00e9tique, \u00e9missions, eau et d\u00e9chet, etc.) et ne sont pas tenues de pr\u00e9ciser l\u2019incidence de l\u2019investissement sur chaque indicateur.<\/li>\n<\/ul>\n\n\n\n<p>Les entreprises d\u2019investissement n\u2019ont pas \u00e0 identifier un march\u00e9 cible n\u00e9gatif concernant les objectifs de durabilit\u00e9. Un produit peut donc \u00eatre distribu\u00e9 \u00e0 un client qui ne correspond pas au march\u00e9 cible identifi\u00e9 en termes de durabilit\u00e9, \u00e0 condition qu\u2019il soit compatible avec les autres crit\u00e8res (type de clients, connaissance et exp\u00e9rience, situation financi\u00e8re, app\u00e9tence au risque, autres objectifs et besoins).<\/p>\n\n\n\n<p>Prochaine \u00e9tape: Retour sur la consultation fin 2022 et publication des lignes directrices d\u00e9finitives au premier trimestre 2023.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Macro-impacts gouvernance produits <\/strong><\/h4>\n\n\n\n<p>Des travaux de natures diverses pour faire \u00e9voluer les processus aussi bien c\u00f4t\u00e9 producteur que distributeur :<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"539\" src=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651-1024x539.png\" alt=\"Gouvernance produit MIF 2 durabilit\u00e9 : macro impacts Producteur et Distributeur\" class=\"wp-image-2010\" srcset=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651-1024x539.png 1024w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651-300x158.png 300w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651-768x404.png 768w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651-1536x809.png 1536w, https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Capture-decran-2022-09-08-121651.png 1588w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Comment Aurexia peut vous accompagner<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Producteurs:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Collecte de la data : benchmark des data providers, recueil des donn\u00e9es pertinentes<\/li>\n\n\n\n<li>Accompagnement \u00e0 la classification des fonds : \u00e9valuation des fonds selon diff\u00e9rents indicateurs, \u00e9laboration d\u2019une m\u00e9thodologie de classification en accord avec le questionnaire client MIF 2 relatif aux pr\u00e9f\u00e9rences en mati\u00e8re de durabilit\u00e9, impl\u00e9mentation du format EET<\/li>\n\n\n\n<li>Mise en \u0153uvre de la conduite du changement : accompagnement \u00e0 la d\u00e9finition d\u2019une strat\u00e9gie de distribution, \u00e9laboration de la documentation \u00e0 fournir aux distributeurs<\/li>\n\n\n\n<li>Mise en place d\u2019un dispositif de communication avec les distributeurs : prise en compte des informations remont\u00e9es<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Distributeurs:<\/strong>\n<ul class=\"wp-block-list\">\n<li>R\u00e9alisation du questionnaire client MIF 2 relatif aux pr\u00e9f\u00e9rences en mati\u00e8re de durabilit\u00e9 : \u00e9laboration des questions, d\u00e9termination des profils, m\u00e9thode de scoring<\/li>\n\n\n\n<li>Mise \u00e0 jour du catalogue produits : introduction des crit\u00e8res de durable pour chaque produit en lien avec les data ESG disponibles<\/li>\n\n\n\n<li>Revue Ad\u00e9quation : mise \u00e0 jour des r\u00e8gles d\u2019allocation d\u2019actifs, y compris les portefeuilles mod\u00e8les si existant<\/li>\n\n\n\n<li>Mise en \u0153uvre de la conduite du changement : formation des conseillers (fiches d\u2019informations, animation de comit\u00e9s, etc.), accompagnement des \u00e9quipes marketing dans l\u2019\u00e9laboration d\u2019une strat\u00e9gie, analyse d\u2019impacts pour la mise en \u0153uvre op\u00e9rationnelle, etc.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-dark-blue-background-color has-background wp-element-button\" href=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/09\/Gouvernance-produits-MIF-II-Durabilite.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger la version compl\u00e8te du document<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La directive d\u00e9l\u00e9gu\u00e9e MIF 2 exige qu&rsquo;\u00e0 compter du 22\/11\/2022, les institutions financi\u00e8res int\u00e8grent les crit\u00e8res de durabilit\u00e9 \u00e0 la&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[145,62,331,332],"class_list":["post-2005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-durable","tag-esg","tag-finance-durable","tag-mif-2","tag-mif-ii"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Gouvernance produit MIF 2 ESG (crit\u00e8res de durabilit\u00e9) - Aurexia Insights<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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