{"id":3828,"date":"2023-03-19T18:25:17","date_gmt":"2023-03-19T17:25:17","guid":{"rendered":"https:\/\/ad-maiora.fr\/?p=3828"},"modified":"2026-06-16T15:48:49","modified_gmt":"2026-06-16T13:48:49","slug":"finance-durable-quel-cadre","status":"publish","type":"post","link":"https:\/\/ad-maiora.fr\/index.php\/2023\/03\/19\/finance-durable-quel-cadre\/","title":{"rendered":"Finance durable : Quel cadre ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3828\" class=\"elementor elementor-3828\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0b3f12e elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0b3f12e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9e99588\" data-id=\"9e99588\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-566f238 elementor-widget elementor-widget-theme-site-logo elementor-widget-image\" data-id=\"566f238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-site-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ad-maiora.fr\">\n\t\t\t<img decoding=\"async\" width=\"174\" height=\"55\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2022\/09\/logo_long2.svg\" class=\"attachment-full size-full wp-image-1184\" alt=\"\" \/>\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8abdde8\" data-id=\"8abdde8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f39f185 elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"f39f185\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-f39f185\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1130\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Nous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1136\"><a href=\"https:\/\/ad-maiora.fr\/#notre-histoire\" class=\"elementor-sub-item elementor-item-anchor\">Notre histoire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1137\"><a href=\"https:\/\/ad-maiora.fr\/#notre-metier\" class=\"elementor-sub-item elementor-item-anchor\">Notre m\u00e9tier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1138\"><a href=\"https:\/\/ad-maiora.fr\/#nos-valeurs\" class=\"elementor-sub-item elementor-item-anchor\">Nos valeurs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1139\"><a href=\"https:\/\/ad-maiora.fr\/#les-associes\" class=\"elementor-sub-item elementor-item-anchor\">Notre \u00e9quipe<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1140\"><a href=\"https:\/\/ad-maiora.fr\/#societe-a-mission\" class=\"elementor-sub-item elementor-item-anchor\">Nos engagements<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1141\"><a href=\"https:\/\/ad-maiora.fr\/#nos-partenaires\" class=\"elementor-sub-item elementor-item-anchor\">Nos partenaires<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1131\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Vous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1133\"><a href=\"https:\/\/ad-maiora.fr\/#creation-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\">Cr\u00e9ation de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1134\"><a href=\"https:\/\/ad-maiora.fr\/#structuration-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\">Structuration de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1135\"><a href=\"https:\/\/ad-maiora.fr\/#accompagnement-chef-entreprise\" class=\"elementor-sub-item elementor-item-anchor\">Accompagnement du chef d&rsquo;entreprise<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1401\"><a href=\"https:\/\/ad-maiora.fr\/index.php\/nous-contacter\/\" class=\"elementor-item\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Permuter le menu\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-f39f185\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1130\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Nous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1136\"><a href=\"https:\/\/ad-maiora.fr\/#notre-histoire\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre histoire<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1137\"><a href=\"https:\/\/ad-maiora.fr\/#notre-metier\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre m\u00e9tier<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1138\"><a href=\"https:\/\/ad-maiora.fr\/#nos-valeurs\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos valeurs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1139\"><a href=\"https:\/\/ad-maiora.fr\/#les-associes\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Notre \u00e9quipe<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1140\"><a href=\"https:\/\/ad-maiora.fr\/#societe-a-mission\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos engagements<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1141\"><a href=\"https:\/\/ad-maiora.fr\/#nos-partenaires\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Nos partenaires<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1131\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Vous<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1133\"><a href=\"https:\/\/ad-maiora.fr\/#creation-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Cr\u00e9ation de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1134\"><a href=\"https:\/\/ad-maiora.fr\/#structuration-de-patrimoine\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Structuration de patrimoine<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-1135\"><a href=\"https:\/\/ad-maiora.fr\/#accompagnement-chef-entreprise\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Accompagnement du chef d&rsquo;entreprise<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1401\"><a href=\"https:\/\/ad-maiora.fr\/index.php\/nous-contacter\/\" class=\"elementor-item\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-759f14b0 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"759f14b0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cacf9e7\" data-id=\"7cacf9e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-728480ed elementor-headline--style-rotate elementor-widget elementor-widget-animated-headline\" data-id=\"728480ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headline_style&quot;:&quot;rotate&quot;,&quot;animation_type&quot;:&quot;slide&quot;,&quot;rotating_text&quot;:&quot;Nos r\\u00e9dactions \\nNos opportunit\\u00e9s \\nNos recherches&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;rotate_iteration_delay&quot;:2500}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 class=\"elementor-headline elementor-headline-animation-type-slide\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">AD maiora<br><\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">\n\t\t\t\tNos&nbsp;r\u00e9dactions&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;opportunit\u00e9s&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;recherches\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d572673 elementor-widget elementor-widget-text-editor\" data-id=\"d572673\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u00ab\u00a0Vers de plus grands projets\u00a0\u00bb<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4574ff elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4574ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4437aa6\" data-id=\"4437aa6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbc10df elementor-widget elementor-widget-heading\" data-id=\"dbc10df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FINANCE RESPONSABLE - QUEL CADRE ?  <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-790f59af elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"790f59af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1de6847d\" data-id=\"1de6847d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7756498 elementor-widget elementor-widget-heading\" data-id=\"7756498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le questionnaire des pr\u00e9f\u00e9rences en mati\u00e8re de durabilit\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56360df elementor-widget elementor-widget-text-editor\" data-id=\"56360df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les clients sont familiaris\u00e9s depuis de nombreuses ann\u00e9es au <strong>profil investisseur<\/strong>, ce document qui leur permet de mesurer leurs <em>connaissances<\/em> <em>financi\u00e8res, <\/em>indiquer leurs <em>objectifs<\/em> en termes de rendement mais aussi leurs <em>limites<\/em> en termes de risque. Les crit\u00e8res d\u00e9termin\u00e9s <strong>engagent<\/strong> le conseiller dans le choix des supports d&rsquo;investissement. <br \/>Depuis le 1er Janvier 2023, ce questionnaire int\u00e8gre une rubrique relative aux <strong>pr\u00e9f\u00e9rences en mati\u00e8re de durabilit\u00e9<\/strong>. D\u00e9sormais, l&rsquo;investissement propos\u00e9 doit non seulement correspondre au profil de risque de l&rsquo;\u00e9pargnant, mais aussi respecter les diff\u00e9rentes sensibilit\u00e9s des investisseurs en mati\u00e8re de durabilit\u00e9. Et l\u00e0-encore, les r\u00e9ponses contraignent notre conseil. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a2d21e elementor-widget elementor-widget-heading\" data-id=\"4a2d21e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment indiquer ses convictions ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9253d elementor-widget elementor-widget-text-editor\" data-id=\"1d9253d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La premi\u00e8re question est plut\u00f4t radicale : soit l&rsquo;investisseur n&rsquo;a aucune sensibilit\u00e9 \u00e0 l&rsquo;investissement durable et ne souhaite pas poursuivre les questions sur cette th\u00e9matique, soit il peut au contraire continuer le questionnaire et pr\u00e9ciser ses crit\u00e8res.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Notamment, il peut s\u00e9lectionner une ou plusieurs approche(s) extra-financi\u00e8re(s) :\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Activit\u00e9s environnementales :<\/strong> L\u2019investisseur souhaite investir dans des activit\u00e9s ayant un impact positif sur l\u2019environnement.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Objectif environnemental ou social :<\/strong> L\u2019investisseur souhaite que ses investissements r\u00e9pondent \u00e0 un objectif environnemental et \/ ou social.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Incidences n\u00e9gatives :<\/strong> L\u2019investisseur souhaite s\u00e9lectionner des investissements en fonction de leur prise en compte des principales incidences n\u00e9gatives.<br \/><\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Une fois la ou les grande(s) cat\u00e9gorie(s) s\u00e9lectionn\u00e9es, s&rsquo;ensuivent des questions plus pr\u00e9cises, pour comprendre au mieux les attentes des investisseurs.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24abd7f elementor-widget elementor-widget-heading\" data-id=\"24abd7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La r\u00e9glementation SFDR : une premi\u00e8re m\u00e9thode de classification<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c2ea6e elementor-widget elementor-widget-text-editor\" data-id=\"9c2ea6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cette r\u00e9glementation europ\u00e9enne &#8211; <em>appel\u00e9e \u00e9galement r\u00e8glement \u201ctaxonomy\u201d<\/em> &#8211; contraint notamment les distributeurs de produits financiers <\/span><b>\u00e0 publier des informations <\/b><span style=\"font-weight: 400;\">sur deux p\u00e9rim\u00e8tres de prise en compte des aspects li\u00e9s \u00e0 la durabilit\u00e9 et la responsabilit\u00e9 : <\/span><b>les principales incidences n\u00e9gatives et les risques en mati\u00e8re de durabilit\u00e9<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Les six objectifs du r\u00e8glement \u201ctaxonomy\u201d sont :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L&rsquo;att\u00e9nuation du changement climatique ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L&rsquo;adaptation au changement climatique ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L&rsquo;utilisation durable et la protection des ressources aquatiques et marines ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La transition vers une \u00e9conomie circulaire, y compris la pr\u00e9vention et le recyclage des d\u00e9chets ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La pr\u00e9vention et le contr\u00f4le de la pollution ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La pr\u00e9vention et la restauration de la biodiversit\u00e9 et des \u00e9cosyst\u00e8mes.<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Elle introduit \u00e9galement une classification, par les acteurs eux-m\u00eames, de leurs produits en trois cat\u00e9gories : <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-01d1255 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01d1255\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ff6b4f\" data-id=\"2ff6b4f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e476b9b elementor-widget elementor-widget-heading\" data-id=\"e476b9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SFDR 9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a405b5 elementor-widget elementor-widget-text-editor\" data-id=\"0a405b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les fonds \u00ab\u00a0article 9\u00a0\u00bb sont les plus vertueux. Ces produits poursuivent <\/span><b>un objectif d\u2019investissement durable<\/b><span style=\"font-weight: 400;\">. Autrement dit, ils investissent dans une activit\u00e9 \u00e9conomique contribuant \u00e0 un objectif environnemental et \/ ou social.<\/span><\/p><p><b>Les acteurs doivent indiquer les objectifs durables du produit mais aussi pr\u00e9ciser comment ils pr\u00e9voient d\u2019atteindre ces objectifs et d\u2019\u00e9valuer les r\u00e9sultats obtenus.<\/b><\/p><p><span style=\"font-weight: 400;\">Pour ces produits, l\u2019am\u00e9lioration d\u2019un indicateur extra-financier par rapport \u00e0 son univers d&rsquo;investissement <\/span><b>doit \u00eatre publi\u00e9e ann\u00e9e apr\u00e8s ann\u00e9e<\/b><span style=\"font-weight: 400;\">,<\/span> cet indicateur devant \u00eatre coh\u00e9rent avec l\u2019objectif durable du produit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1415ceb\" data-id=\"1415ceb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76d026d elementor-widget elementor-widget-heading\" data-id=\"76d026d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SFDR 8<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-706e22f elementor-widget elementor-widget-text-editor\" data-id=\"706e22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les fonds dits article 8 <\/span><b>promeuvent des caract\u00e9ristiques durables <\/b><span style=\"font-weight: 400;\">:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ils int\u00e8grent des caract\u00e9ristiques environnementales et \/ ou sociales mais <\/span><b>ils ne poursuivent pas un objectif d\u2019investissement durable <\/b><span style=\"font-weight: 400;\">;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Les soci\u00e9t\u00e9s<\/b><span style=\"font-weight: 400;\"> investies par les fonds <\/span><b>appliquent des pratiques de bonnes gouvernances <\/b><span style=\"font-weight: 400;\">;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Ils n&rsquo;ont<b> aucune obligation d&rsquo;explication m\u00e9thodologique<\/b>,<b> d\u2019\u00e9valuation et d\u2019am\u00e9lioration de crit\u00e8res<\/b>, ni de<b> transparence.<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b01aa10 elementor-widget elementor-widget-heading\" data-id=\"b01aa10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SFDR 6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02099c6 elementor-widget elementor-widget-text-editor\" data-id=\"02099c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les produits qui ne rentrent pas dans les cat\u00e9gories 8 ou 9, ne peuvent pas \u00eatre pr\u00e9sent\u00e9s comme durables et forment la cat\u00e9gorie \u00ab Article 6 \u00bb.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-788042f elementor-widget elementor-widget-text-editor\" data-id=\"788042f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Comme souvent en mati\u00e8re de durabilit\u00e9, cette approche porte \u00e0 d\u00e9bat, via notamment<strong> une importante vague de d\u00e9classification de fonds<\/strong><strong> articles 9 vers la cat\u00e9gorie 8 <\/strong>(plus de 400), d\u00e9but 2023, du fait de la mise en place d\u2019un<strong> niveau d\u2019exigence <\/strong>plus \u00e9lev\u00e9.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62cf1c2 elementor-widget elementor-widget-heading\" data-id=\"62cf1c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les 17 Objectifs de D\u00e9veloppement Durable : une vision plus large<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e283151 elementor-widget elementor-widget-text-editor\" data-id=\"e283151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les <strong>17 Objectifs de D\u00e9veloppement Durable<\/strong> (ODD) ont \u00e9t\u00e9 fix\u00e9s en 2015 par l&rsquo;<strong>ONU <\/strong>pour r\u00e9pondre<strong> aux grands enjeux mondiaux \u00e0 horizon 2030.<\/strong> Si cette approche peut sembler utopique, elle permet aux g\u00e9rants de fonds de faire un parall\u00e8le entre leurs investissements et les objectifs auxquelles ils r\u00e9pondent. Compar\u00e9s \u00e0 la r\u00e9glementation SFDR, les 17 ODD s&rsquo;inscrivent dans une approche bien plus large.<br \/><em>Cliquer sur la photo pour acc\u00e9der au site de l&rsquo;ONU en cliquant sur la photo<\/em>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74a57e4 elementor-widget elementor-widget-image\" data-id=\"74a57e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.agenda-2030.fr\/17-objectifs-de-developpement-durable\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1398\" height=\"827\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/ODD-17-Objectifs-Developpement-Durable.png\" class=\"attachment-full size-full wp-image-3876\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/ODD-17-Objectifs-Developpement-Durable.png 1398w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/ODD-17-Objectifs-Developpement-Durable-300x177.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/ODD-17-Objectifs-Developpement-Durable-1024x606.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/ODD-17-Objectifs-Developpement-Durable-768x454.png 768w\" sizes=\"(max-width: 1398px) 100vw, 1398px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b114feb elementor-widget elementor-widget-text-editor\" data-id=\"b114feb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nous nous appuyons largement sur ces ODD pour s\u00e9lectionner les supports d&rsquo;investissement au sein du cabinet. D&rsquo;ailleurs, nous construisons un tableau crois\u00e9 qui nous permet de rattacher les fonds \u00e0 ou aux objectifs au(x)quel(s) ils r\u00e9pondent.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7acda8a elementor-widget elementor-widget-heading\" data-id=\"7acda8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les labels : une garantie suppl\u00e9mentaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5db1ef4 elementor-widget elementor-widget-text-editor\" data-id=\"5db1ef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les labels ont pour objectif <strong>de certifier une approche d\u00e9finie par un organisme de r\u00e9gulation<\/strong>. Ils ont pris une importance forte avec notamment l\u2019obligation pour les assureurs de pr\u00e9voir dans chaque contrat depuis Janvier 2022 au moins une unit\u00e9 de compte labellis\u00e9e ISR, une Greenfin et une Finansol. Aussi, depuis cette m\u00eame date, les assureurs doivent communiquer sur le pourcentage d\u2019unit\u00e9s de compte labelis\u00e9es pr\u00e9sentes dans le contrat.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Voici les principaux labels :<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b9e8a5 elementor-widget elementor-widget-heading\" data-id=\"3b9e8a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le label ISR (Investissement Socialement Responsable)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c802c16 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c802c16\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-015d29c\" data-id=\"015d29c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-534ce29 elementor-widget elementor-widget-image\" data-id=\"534ce29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label_ISR_logo.png\" class=\"attachment-full size-full wp-image-3866\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label_ISR_logo.png 640w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label_ISR_logo-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label_ISR_logo-150x150.png 150w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5bf96d7\" data-id=\"5bf96d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-927ef75 elementor-widget elementor-widget-text-editor\" data-id=\"927ef75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le label ISR est tr\u00e8s certainement<strong> le plus r\u00e9pandu dans les investissements que les conseillers peuvent proposer<\/strong>. Il a \u00e9t\u00e9 mis en place par le minist\u00e8re de l\u2019Economie et des Finances dans l\u2019objectif de permettre aux \u00e9pargnants d\u2019identifier les investissements qui <strong>participent \u00e0 une \u00e9conomie plus durable<\/strong>. L\u2019objectif est d\u2019ajouter aux consid\u00e9rations financi\u00e8res des crit\u00e8res extra-financiers dont :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>L\u2019environnement : <\/strong>empreinte carbone, \u00e9missions de gaz \u00e0 effet de serre, consommation d\u2019\u00e9lectricit\u00e9, gestion de l\u2019eau et des d\u00e9chets, etc. ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Le social<\/strong> : formation des salari\u00e9s, \u00e9galit\u00e9 salariale hommes-femmes, place des femmes dans la gestion de l\u2019entreprise, emploi des personnes handicap\u00e9es, etc. ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La gouvernance : <\/strong>transparence sur la r\u00e9mun\u00e9ration des dirigeants, place des femmes au conseil d\u2019administration, lutte contre la corruption, etc. ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Le respect des droits humains : <\/strong>lutte contre la pauvret\u00e9, par exemple.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd2798 elementor-widget elementor-widget-text-editor\" data-id=\"cdd2798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Bien entendu, le label n\u2019est d\u00e9cern\u00e9 qu\u2019aux fonds ayant obtenu la certification d&rsquo;un organisme ind\u00e9pendant. Pour cela, le fonds fait l\u2019objet d\u2019une analyse des documents r\u00e9glementaires, du relev\u00e9 de portefeuille et du rapport de gestion du fonds. Mais aussi, un entretien est organis\u00e9 entre l\u2019organisme accr\u00e9dit\u00e9 pour approfondir certains sujets. L\u2019objectif est de s\u2019assurer que les crit\u00e8res suivants sont biens respect\u00e9s :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Les objectifs g\u00e9n\u00e9raux<\/strong> (<em>financiers et ESG<\/em>) recherch\u00e9s par le fonds. Il s\u2019agit de v\u00e9rifier qu&rsquo;ils sont pr\u00e9cis\u00e9ment d\u00e9finis et d\u00e9crits aux investisseurs et pris en compte dans la d\u00e9finition de la politique d\u2019investissement du fonds.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La m\u00e9thodologie d\u2019analyse et de notation des crit\u00e8res ESG<\/strong> mise en \u0153uvre par les entreprises dans lesquelles le fonds investit.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>La prise en compte des crit\u00e8res ESG dans la construction et la vie du portefeuille.<\/strong><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La politique d\u2019engagement ESG avec les entreprises dans lesquelles le fonds investit<\/strong> (vote et dialogue).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La transparence<\/strong> de gestion du fonds.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>La mesure des impacts positifs<\/strong> de la gestion ESG sur le d\u00e9veloppement d\u2019une \u00e9conomie durable.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52ed41a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52ed41a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fec6dd0\" data-id=\"fec6dd0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56ee79f elementor-widget elementor-widget-image\" data-id=\"56ee79f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1072\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR.jpg\" class=\"attachment-full size-full wp-image-3882\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR.jpg 1080w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR-300x298.jpg 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR-1024x1016.jpg 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR-150x150.jpg 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/AFR-768x762.jpg 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f656e0b\" data-id=\"f656e0b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b205bc2 elementor-widget elementor-widget-text-editor\" data-id=\"b205bc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Actuellement, les <strong>Acteurs de la Finance Responsable<\/strong> &#8211; dont nous sommes membres &#8211; mettent en avant une p\u00e9tition visant \u00e0 exclure les \u00e9nergies fossiles des fonds labellis\u00e9s ISR.<\/p><p>P\u00e9tition disponible sur le lien suivant : https:\/\/chng.it\/PGzHrpWtrk<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb2761 elementor-widget elementor-widget-heading\" data-id=\"3eb2761\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le label Greenfin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0c49a8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c49a8f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8b636d4\" data-id=\"8b636d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff9be0f elementor-widget elementor-widget-image\" data-id=\"ff9be0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"215\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/GREENFIN-Logo.png\" class=\"attachment-full size-full wp-image-3870\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/GREENFIN-Logo.png 810w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/GREENFIN-Logo-300x80.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/GREENFIN-Logo-768x204.png 768w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-17f9b0c\" data-id=\"17f9b0c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71c0b33 elementor-widget elementor-widget-text-editor\" data-id=\"71c0b33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cr\u00e9\u00e9 par le minist\u00e8re de la Transition Ecologique et Solidaire, le label Greenfin garantit la qualit\u00e9 verte des fonds d\u2019investissement et s\u2019adresse aux acteurs financiers qui agissent au service du bien commun, gr\u00e2ce \u00e0 des pratiques transparentes et durables.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2774194 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2774194\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f069715\" data-id=\"f069715\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d7cd6e elementor-widget elementor-widget-text-editor\" data-id=\"1d7cd6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le r\u00e9f\u00e9rentiel du label Greenfin liste<strong> 8 cat\u00e9gories d\u2019activit\u00e9s entrant dans le champ de la transition \u00e9nerg\u00e9tique et \u00e9cologique et de la lutte contre le changement climatique<\/strong> (\u00ab \u00e9co-activit\u00e9s \u00bb) et \u00e9ligibles au financement du fonds candidat :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c9nergie<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e2timent<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gestion des d\u00e9chets et contr\u00f4le de la pollution<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Industrie<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transport propre<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technologies de l\u2019information et de la communication<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agriculture et for\u00eat<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adaptation au changement climatique<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fe2cef1\" data-id=\"fe2cef1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa02b5a elementor-widget elementor-widget-text-editor\" data-id=\"aa02b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le r\u00e9f\u00e9rentiel du label Greenfin <strong>exclut certaines activit\u00e9s \u00e9conomiques du p\u00e9rim\u00e8tre d\u2019investissement des fonds labellis\u00e9s.<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">Il s\u2019agit des activit\u00e9s relevant de :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">l\u2019ensemble de la cha\u00eene de valeur des combustibles fossiles ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">l\u2019ensemble de la fili\u00e8re nucl\u00e9aire.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><br \/>Les crit\u00e8res d&rsquo;exclusion seront r\u00e9\u00e9valu\u00e9s en coh\u00e9rence avec ceux fix\u00e9s dans le cadre de la taxonomie europ\u00e9enne des activit\u00e9s durables sur le plan environnemental, une fois cette derni\u00e8re aboutie.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-610cc34 elementor-widget elementor-widget-heading\" data-id=\"610cc34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le Label Finansol<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6dba257 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dba257\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3522013\" data-id=\"3522013\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0bddb5 elementor-widget elementor-widget-image\" data-id=\"f0bddb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"765\" height=\"740\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Logo-Label-noir-fond-blanc-sans-contour.jpg\" class=\"attachment-full size-full wp-image-3871\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Logo-Label-noir-fond-blanc-sans-contour.jpg 765w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Logo-Label-noir-fond-blanc-sans-contour-300x290.jpg 300w\" sizes=\"(max-width: 765px) 100vw, 765px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-34a075e\" data-id=\"34a075e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eea6305 elementor-widget elementor-widget-text-editor\" data-id=\"eea6305\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un des points mis en avant par le label Finansol est sa diff\u00e9rence avec le label ISR. En effet,<strong> le degr\u00e9 d\u2019engagement est plus fort<\/strong> puisque les activit\u00e9s financ\u00e9es sont choisies en fonction de leur utilit\u00e9 effective en mati\u00e8re de lutte contre l\u2019exclusion, de coh\u00e9sion sociale ou de d\u00e9veloppement durable et point important, <strong>celles-ci ne doivent pas \u00eatre cot\u00e9es en Bourse.<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d58cf elementor-widget elementor-widget-text-editor\" data-id=\"e6d58cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">Le label est attribu\u00e9 par un comit\u00e9 d\u2019experts ind\u00e9pendants et il repose sur des crit\u00e8res exigeants :<\/span><\/p><ul><li aria-level=\"1\"><strong><span style=\"color: #000000;\">Des crit\u00e8res de solidarit\u00e9s :<\/span><\/strong><ul><li aria-level=\"2\"><span style=\"color: #000000;\">Tout ou partie de l\u2019\u00e9pargne est affect\u00e9 au financement d\u2019entreprises solidaires, oeuvrant principalement dans les domaines de l\u2019acc\u00e8s \u00e0 l\u2019emploi et au logement, du soutien d\u2019activit\u00e9s \u00e9cologiques et \u00e0 l\u2019entrepreneuriat dans les pays en d\u00e9veloppement.<\/span><\/li><li aria-level=\"2\"><span style=\"color: #000000;\">Les revenus de l\u2019\u00e9pargne soutiennent les activit\u00e9s d\u2019association : au moins 25 % des int\u00e9r\u00eats sont vers\u00e9s de fa\u00e7on r\u00e9guli\u00e8re (<em>au moins annuelle<\/em>) par l\u2019\u00e9pargnant sous forme de dons \u00e0 des organismes b\u00e9n\u00e9niciaires.<\/span><\/li><\/ul><\/li><li aria-level=\"1\"><strong><span style=\"color: #000000;\">Des crit\u00e8res de transparence et d\u2019information :<\/span><\/strong><ul><li aria-level=\"2\"><span style=\"color: #000000;\">tenir \u00e0 disposition des souscripteurs, des \u00e9pargnants et des r\u00e9seaux de distribution l\u2019ensemble des informations sur le produit labellis\u00e9.\u00a0<\/span><\/li><li aria-level=\"2\"><span style=\"color: #000000;\">Informer de mani\u00e8re compl\u00e8te les \u00e9pargnants sur le caract\u00e8re solidaire du produit \u00e0 sa souscription et, par la suite, de fa\u00e7on annuelle.<\/span><\/li><li aria-level=\"2\"><span style=\"color: #000000;\">Informer r\u00e9guli\u00e8rement FAIR de ses donn\u00e9es de la finance solidaire, et ce, pour faciliter la mise en place d\u2019indicateur sur le secteur.<\/span><\/li><\/ul><\/li><li aria-level=\"1\"><strong>Les autres crit\u00e8res :<\/strong><\/li><\/ul><p><span style=\"color: #000000;\">L\u2019augmentation du nombre de produits solidaires pousse le Comit\u00e9 du label Finansol \u00e0 renforcer l\u2019exigence et la valeur du label. Aussi d\u2019autres crit\u00e8res sont pris en compte. Parmi eux, nous pouvons citer :<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li aria-level=\"1\"><span style=\"color: #000000;\">l\u2019examen des frais de gestion,\u00a0<\/span><\/li><li aria-level=\"1\"><span style=\"color: #000000;\">la promotion active des produits d\u2019\u00e9pargne solidaire,\u00a0<\/span><\/li><li aria-level=\"1\"><span style=\"color: #000000;\">la m\u00e9thode de s\u00e9lection des associations b\u00e9n\u00e9ficiaires de l\u2019\u00e9pargne de partage.<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-877f321 elementor-widget elementor-widget-heading\" data-id=\"877f321\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le label Relance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-13806f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13806f5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c71702a\" data-id=\"c71702a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e300fc6 elementor-widget elementor-widget-image\" data-id=\"e300fc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2355\" height=\"769\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance.png\" class=\"attachment-full size-full wp-image-3872\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance.png 2355w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance-300x98.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance-1024x334.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance-768x251.png 768w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance-1536x502.png 1536w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/03\/Label-Relance-2048x669.png 2048w\" sizes=\"(max-width: 2355px) 100vw, 2355px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8b34195\" data-id=\"8b34195\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66e31e1 elementor-widget elementor-widget-text-editor\" data-id=\"66e31e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le label \u00ab Relance \u00bb vient reconna\u00eetre les fonds qui s\u2019engagent \u00e0 mobiliser rapidement des ressources nouvelles pour <\/span><b>soutenir les fonds propres et quasi-fonds propres des entreprises fran\u00e7aises<\/b><span style=\"font-weight: 400;\"> (PME et ETI) cot\u00e9es ou non.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8cd1f elementor-widget elementor-widget-text-editor\" data-id=\"2d8cd1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">L\u2019objectif est d\u2019orienter l\u2019\u00e9pargne des investisseurs priv\u00e9s et professionnels vers ces placements<strong> qui r\u00e9pondent aux besoins de financement de l\u2019\u00e9conomie r\u00e9elle fran\u00e7aise<\/strong> cons\u00e9cutifs de la crise sanitaire.<\/span><\/p><p><span style=\"color: #000000;\">Les fonds labellis\u00e9s doivent en outre respecter un ensemble de crit\u00e8res environnementaux, sociaux et de bonne gouvernance (ESG), incluant notamment l\u2019interdiction du financement d\u2019activit\u00e9s charbonn\u00e9es et le suivi d\u2019une note ou d\u2019un indicateur ESG.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-798c3f8 elementor-widget elementor-widget-spacer\" data-id=\"798c3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2744706 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2744706\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-463df8f\" data-id=\"463df8f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c89b957 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"c89b957\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Suivant&quot;,&quot;step_previous_label&quot;:&quot;Pr\\u00e9c\\u00e9dent&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Contact du site Ad-Maiora\" aria-label=\"Contact du site Ad-Maiora\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"3828\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"c89b957\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Finance durable : Quel cadre ?\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"3828\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNom & pr\u00e9nom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Votre nom et pr\u00e9nom\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tT\u00e9l\u00e9phone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"00 00 00 00 00\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Seuls les caract\u00e8res de num\u00e9ros de t\u00e9l\u00e9phone (#, -, *, etc.) sont accept\u00e9s.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-field_bbf1f2e elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_bbf1f2e\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[field_bbf1f2e]\" id=\"form-field-field_bbf1f2e\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Votre adresse e-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Posez votre question\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e85dd60 elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e85dd60\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7bdaba elementor-invisible\" data-id=\"e7bdaba\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;slideInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f0acd2 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"9f0acd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Calque_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 500 350.9\" style=\"enable-background:new 0 0 500 350.9;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#BA7F57;}<\/style><g>\t<path class=\"st0\" d=\"M138.7,201.8c-13.1-5.6-27.9-8.7-43.8-8.7C42.4,193.2,0,228.3,0,271.9c0,43.5,42.4,78.7,94.9,78.7  c15.9,0,30.7-3.1,43.8-8.7c-30.4-13.1-51.4-39.6-51.4-70.1C87.4,241.4,108.3,215.2,138.7,201.8z\"><\/path>\t<path class=\"st0\" d=\"M237.5,314.4c-35.4-41.9-48.4-101-28.8-156.4c5.9-16.5,14.5-31.4,24.9-44.6c-8.9-24.4-32.2-42-59.7-42  c-7.5,0-15.1,1.4-22.1,4.2v41.9v33.2v135.4c0,35.2,28.5,63.6,63.6,63.6c12.2,0,24-3.6,34.2-10c1.7-1.1,3.5-2.1,5.2-3.4l2.8-2.2  C250.3,328.1,243.6,321.5,237.5,314.4z\"><\/path>\t<path class=\"st0\" d=\"M74.7,160.6c24.8,0,44.8-20.1,44.8-44.8c0-24.8-20.1-44.8-44.8-44.8S29.8,91,29.8,115.8  C29.8,140.5,49.9,160.6,74.7,160.6z\"><\/path>\t<path class=\"st0\" d=\"M317.2,164.4c14.8-41.6,47.4-71.7,86-85.1c-71.7-24-149.9,13.7-175.6,85.4c-25.7,72.6,12.3,152.4,84.9,178.1  c31,11.2,63.4,10.3,92.1,0.6c-0.8-0.3-1.7-0.6-2.5-0.8C329.5,316.5,291.5,237,317.2,164.4z\"><\/path>\t<path class=\"st0\" d=\"M413.8,260.3c0,47.5,38,87.2,85.5,87.3c0.2,0,0.5,0,0.7,0V0h-86.2V260.3z\"><\/path><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ef0b9e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ef0b9e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a70e07a\" data-id=\"a70e07a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29dc27e elementor-widget elementor-widget-text-editor\" data-id=\"29dc27e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">blog<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a7923 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"80a7923\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5f385 elementor-grid-tablet-1 elementor-posts--align-center elementor-posts__hover-none elementor-grid-3 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"1c5f385\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns_tablet&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;pagination_type&quot;:&quot;numbers&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1267 post type-post status-publish format-standard has-post-thumbnail hentry category-financier\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie.png\" class=\"attachment-full size-full wp-image-2537\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_grand5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1418 post type-post status-publish format-standard has-post-thumbnail hentry category-financier\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser-2\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie.png\" class=\"attachment-full size-full wp-image-2541\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_bleu_petit5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1476 post type-post status-publish format-standard has-post-thumbnail hentry category-general\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ad-maiora.fr\/index.php\/2022\/09\/08\/article-de-reference-blocs-a-utiliser-3\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1300\" height=\"1300\" src=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie.png\" class=\"attachment-full size-full wp-image-2545\" alt=\"\" srcset=\"https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie.png 1300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-300x300.png 300w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-1024x1024.png 1024w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-150x150.png 150w, https:\/\/ad-maiora.fr\/wp-content\/uploads\/2023\/01\/moleskin_marron_petit5-copie-768x768.png 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"8\" data-next-page=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<span class=\"page-numbers dots\">\u2026<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/page\/8\/\"><span class=\"elementor-screen-only\">Page<\/span>8<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d730c0 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"9d730c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efb92e8 elementor-section-content-middle elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"efb92e8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b72888c\" data-id=\"b72888c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5206250 elementor-headline--style-rotate elementor-widget elementor-widget-animated-headline\" data-id=\"5206250\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headline_style&quot;:&quot;rotate&quot;,&quot;animation_type&quot;:&quot;slide&quot;,&quot;rotating_text&quot;:&quot;Nos r\\u00e9dactions \\nNos opportunit\\u00e9s \\nNos recherches&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;rotate_iteration_delay&quot;:2500}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 class=\"elementor-headline elementor-headline-animation-type-slide\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">AD maiora<br><\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">\n\t\t\t\tNos&nbsp;r\u00e9dactions&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;opportunit\u00e9s&nbsp;\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text\">\n\t\t\t\tNos&nbsp;recherches\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efc2e68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efc2e68\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33522d2\" data-id=\"33522d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-03922db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"03922db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66b98ca\" data-id=\"66b98ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b678d9a elementor-widget elementor-widget-text-editor\" data-id=\"b678d9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">et si on parlait<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ab839f\" data-id=\"7ab839f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62aa665 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"62aa665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-comment\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">parlons-en<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<footer class=\"elementor-section elementor-top-section elementor-element elementor-element-7b3560e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b3560e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3e2855\" data-id=\"d3e2855\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-718a07b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"718a07b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-073f1d4\" data-id=\"073f1d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7714120 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7714120\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Calque_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 500 350.9\" style=\"enable-background:new 0 0 500 350.9;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#BA7F57;}<\/style><g>\t<path class=\"st0\" d=\"M138.7,201.8c-13.1-5.6-27.9-8.7-43.8-8.7C42.4,193.2,0,228.3,0,271.9c0,43.5,42.4,78.7,94.9,78.7  c15.9,0,30.7-3.1,43.8-8.7c-30.4-13.1-51.4-39.6-51.4-70.1C87.4,241.4,108.3,215.2,138.7,201.8z\"><\/path>\t<path class=\"st0\" d=\"M237.5,314.4c-35.4-41.9-48.4-101-28.8-156.4c5.9-16.5,14.5-31.4,24.9-44.6c-8.9-24.4-32.2-42-59.7-42  c-7.5,0-15.1,1.4-22.1,4.2v41.9v33.2v135.4c0,35.2,28.5,63.6,63.6,63.6c12.2,0,24-3.6,34.2-10c1.7-1.1,3.5-2.1,5.2-3.4l2.8-2.2  C250.3,328.1,243.6,321.5,237.5,314.4z\"><\/path>\t<path class=\"st0\" d=\"M74.7,160.6c24.8,0,44.8-20.1,44.8-44.8c0-24.8-20.1-44.8-44.8-44.8S29.8,91,29.8,115.8  C29.8,140.5,49.9,160.6,74.7,160.6z\"><\/path>\t<path class=\"st0\" d=\"M317.2,164.4c14.8-41.6,47.4-71.7,86-85.1c-71.7-24-149.9,13.7-175.6,85.4c-25.7,72.6,12.3,152.4,84.9,178.1  c31,11.2,63.4,10.3,92.1,0.6c-0.8-0.3-1.7-0.6-2.5-0.8C329.5,316.5,291.5,237,317.2,164.4z\"><\/path>\t<path class=\"st0\" d=\"M413.8,260.3c0,47.5,38,87.2,85.5,87.3c0.2,0,0.5,0,0.7,0V0h-86.2V260.3z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8a98dd5 elementor-hidden-mobile elementor-hidden-tablet\" data-id=\"8a98dd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69a1f96 elementor-widget elementor-widget-text-editor\" data-id=\"69a1f96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Conseiller en investissement financier et courtier d&rsquo;assurance enregistr\u00e9 au Registre unique des interm\u00e9diaires en assurance, banque et finance sous le num\u00e9ro 22004293 (www.orias.fr) en qualit\u00e9 d&rsquo;adh\u00e9rent de la<br \/>Chambre nationale des conseils en gestion de patrimoine,<br \/>association agr\u00e9\u00e9e par l\u2019Autorit\u00e9 des march\u00e9s financiers.<\/p><p>SAS au capital social de 1.000 euros<\/p><p>Immatricul\u00e9e au Registre du Commerce et des Soci\u00e9t\u00e9s de Grenoble sous le num\u00e9ro 915 349 518 RCS GRENOBLE<\/p><p>Si\u00e8ge social situ\u00e9 au 29 Rue des Glairaux 38120 Saint-Egr\u00e8ve<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-14be11e\" data-id=\"14be11e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b692c19 elementor-widget elementor-widget-heading\" data-id=\"b692c19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Follow Us<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8753da4 elementor-shape-circle e-grid-align-right elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"8753da4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-43eca71\" href=\"https:\/\/www.linkedin.com\/company\/ad-maiora-gestion-de-patrimoine\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-d550229\" href=\"https:\/\/instagram.com\/ad_maiora_patrimoine?igshid=YmMyMTA2M2Y=\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-9758c9c\" href=\"https:\/\/www.facebook.com\/ADMAIORAGestiondePatrimoine\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c03ef3e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c03ef3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-64c8b44\" data-id=\"64c8b44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9989bc7 elementor-widget elementor-widget-text-editor\" data-id=\"9989bc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AD MAIORA \u2022 Gestion de patrimoine \u2022 Tous droits r\u00e9serv\u00e9s \u2022 2022<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e0a2783\" data-id=\"e0a2783\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f39abe elementor-widget elementor-widget-text-editor\" data-id=\"8f39abe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AD MAIORA <span style=\"color: #ff0000;\">\u2764<\/span><strong> <a href=\"mailto: sodagraphique@gmail.com\">SodaGraphique<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/footer>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>AD maiora Nos&nbsp;r\u00e9dactions&nbsp; Nos&nbsp;opportunit\u00e9s&nbsp; Nos&nbsp;recherches \u00ab\u00a0Vers de plus grands projets\u00a0\u00bb FINANCE RESPONSABLE &#8211; QUEL<\/p>\n","protected":false},"author":8,"featured_media":3959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-3828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"_links":{"self":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/comments?post=3828"}],"version-history":[{"count":1,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/revisions"}],"predecessor-version":[{"id":93861,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/posts\/3828\/revisions\/93861"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/media\/3959"}],"wp:attachment":[{"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/media?parent=3828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/categories?post=3828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ad-maiora.fr\/index.php\/wp-json\/wp\/v2\/tags?post=3828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}