{"id":2391,"date":"2023-03-28T12:54:04","date_gmt":"2023-03-28T10:54:04","guid":{"rendered":"https:\/\/aurexia.com\/insights\/?p=2391"},"modified":"2023-07-11T13:09:58","modified_gmt":"2023-07-11T11:09:58","slug":"finance-durable-comment-les-banques-adressent-les-enjeux-de-durabilite-dans-leur-offre-de-conseil-en-investissement","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/finance-durable-comment-les-banques-adressent-les-enjeux-de-durabilite-dans-leur-offre-de-conseil-en-investissement\/","title":{"rendered":"Finance durable &#8211; Comment les banques adressent les enjeux de durabilit\u00e9 dans leur offre de conseil en investissement"},"content":{"rendered":"\n<p>La mise en \u0153uvre des r\u00e9glementations li\u00e9es \u00e0 l\u2019ESG au sein des \u00e9tablissements financiers comporte des challenges d\u2019ordre aussi bien strat\u00e9giques, op\u00e9rationnels que techniques.<br>Alors que les r\u00e8glements d\u00e9l\u00e9gu\u00e9s relatifs \u00e0 <strong>MIF2<\/strong> (instruments financiers) et <strong>DDA<\/strong> (assurance vie) sont entr\u00e9s en vigueur au Q2 2022, Aurexia Sustainable s\u2019est int\u00e9ress\u00e9 au niveau de maturit\u00e9 des banques en France sur cette mise en conformit\u00e9.<br>L\u2019enjeu est relativement simple\u00a0: int\u00e9grer des crit\u00e8res de durabilit\u00e9 dans leur offre de conseil en investissement afin de permettre aux clients de se prononcer sur leur app\u00e9tence \u00e0 ces sujets et avoir, in fine, des propositions d\u2019investissements adapt\u00e9es.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><br>\u00a0Notre \u00e9tude r\u00e9v\u00e8le plusieurs \u00e9l\u00e9ments structurants\u00a0:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des politiques en mati\u00e8re de <strong>durabilit\u00e9 <\/strong>rendues plus lisibles gr\u00e2ce au <strong>r\u00e8glement SFDR<\/strong>&nbsp;\u00e0 travers l\u2019adoption de strat\u00e9gies telles que la s\u00e9lection des partenaires, l\u2019int\u00e9gration des <strong>risques de durabilit\u00e9<\/strong>, la prise en compte des PAI, la m\u00e9thodologie utilis\u00e9e et l\u2019<strong>exigence de transparence<\/strong> envers les investisseurs.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Une clarification de l\u2019offre Produits pour le <strong>conseil en investissement&nbsp;<\/strong><\/li>\n\n\n\n<li>Le recours plus syst\u00e9matique des banques \u00e0 l\u2019architecture ouverte et l\u2019incitation \u00e0 la cr\u00e9ation de <strong>produits ESG \u2018mass market\u2019<\/strong><\/li>\n\n\n\n<li>Une <strong>mise en conformit\u00e9<\/strong> progressive s\u2019\u00e9talant sur l\u2019ann\u00e9e 2023&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Concernant ces travaux de mise en conformit\u00e9, l\u2019un des plus gros chantiers est li\u00e9 \u00e0 l\u2019offre Produits. Nous avons ainsi analys\u00e9 en d\u00e9tail l\u2019offre de produits durables que proposent les banques \u00e0 leurs clients. Le p\u00e9rim\u00e8tre de notre \u00e9tude a port\u00e9 sur 6 banques fran\u00e7aises, dont au total 388 fonds, propos\u00e9s dans l\u2019offre de conseil en investissement, ont \u00e9t\u00e9 pass\u00e9s en revue.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Les principaux enseignements de cette analyse sont les suivants :<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La classification <strong>SFDR<\/strong>, ie. article 6, article 8, article 9, apparait clairement dans la documentation des produits propos\u00e9s. On peut d\u2019ailleurs \u00eatre agr\u00e9ablement surpris par la sur repr\u00e9sentation des <strong>produits \u2018ESG\u2018<\/strong> (68% de produits article 8 et 11% de produits article 9). Cela peut s\u2019expliquer entre autres par la reclassification op\u00e9r\u00e9e par les asset managers au Q2 2022 telle que mise en exergue par<a href=\"https:\/\/www.morningstar.fr\/fr\/news\/227813\/le-paysage-des-fonds-article-8-et-9-%C3%A9volue-rapidement.aspx\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-blue-color\"> l\u2019analyse Morning Star d\u2019octobre 2022.<\/mark><\/a><\/li>\n\n\n\n<li>La proportion de fonds labelis\u00e9s est relativement importante (60%), avec une majorit\u00e9 de <strong>fonds labelis\u00e9s ISR<\/strong> (90% des fonds). Nous notons \u00e9galement que tous les produits labelis\u00e9s sont classifi\u00e9s soit \u2018article 8\u2019, soit \u2018article 9\u2019, et que 90% des fonds \u2018article 9\u2019 sont labelis\u00e9s (ce chiffre tombe \u00e0 56% pour les fonds \u2018article 8\u2019). Ce lien entre \u2018lab\u00e9lisation\u2019 et \u2018<strong>classification SFDR<\/strong>\u2019 est int\u00e9ressant \u00e0 analyser dans la mesure o\u00f9 il fournit des crit\u00e8res permettant de challenger des approches de mise en avant des <strong>th\u00e9matiques durables<\/strong> qui pr\u00e9existaient \u00e0 la <strong>mise en place des r\u00e9glementations<\/strong> (SFDR et taxonomie).<\/li>\n\n\n\n<li>Pour les investisseurs finaux, de surcroit retail, il reste compliqu\u00e9 de comprendre la finalit\u00e9 \u2018<strong>ESG<\/strong>\u2019 des produits qui peuvent leur \u00eatre propos\u00e9s. En effet, l\u2019approche de type \u2018<strong>best-in-class<\/strong>\u2019 reste pr\u00e9pond\u00e9rante parmi les crit\u00e8res de s\u00e9lection des fonds ESG. Les produits qui sont le plus lisibles par les investisseurs retail sont ceux qui adoptent une approche th\u00e9matique (\u2018Environnement\u2019, \u2018Transition Energ\u00e9tique\u2019, \u2018Nourriture durable\u2019, \u2018Eau\u2019,..)<\/li>\n<\/ul>\n\n\n\n<p>N\u2019h\u00e9sitez pas \u00e0 nous contacter pour avoir une pr\u00e9sentation d\u00e9taill\u00e9e de l\u2019\u00e9tude.<br>Nos \u00e9quipes sont disponibles pour vous accompagner&nbsp;: r\u00e9alisation du questionnaire de d\u00e9termination du profil de durabilit\u00e9, classification des produits, rapport d&rsquo;ad\u00e9quation et gouvernance produit&#8230;<\/p>\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\/2023\/03\/Aurexia-Sustainable-Teaser-Conseil-en-investissement-et-durabilite-2023.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger la version compl\u00e8te<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La mise en \u0153uvre des r\u00e9glementations li\u00e9es \u00e0 l\u2019ESG au sein des \u00e9tablissements financiers comporte des challenges d\u2019ordre aussi bien&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2393,"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":[374,371,372,375,373,185,233,145,62,364,184,174],"class_list":["post-2391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-durable","tag-adequation","tag-article-8","tag-article-9","tag-conseil-en-investissement","tag-criteres-de-durabilite","tag-dda","tag-durabilite","tag-esg","tag-finance-durable","tag-idd","tag-mif2","tag-sfdr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Finance durable - Mise en conformit\u00e9 SFDR MIF2 durabilit\u00e9<\/title>\n<meta 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