{"id":15917,"date":"2025-01-19T21:45:57","date_gmt":"2025-01-19T21:45:57","guid":{"rendered":"https:\/\/www.fgi-bourse.com\/?page_id=15917"},"modified":"2025-01-20T12:57:13","modified_gmt":"2025-01-20T12:57:13","slug":"cest-quoi-la-titrisation-de-creances","status":"publish","type":"page","link":"https:\/\/www.fgi-bourse.com\/en\/cest-quoi-la-titrisation-de-creances\/","title":{"rendered":"C&#8217;est quoi la titrisation de cr\u00e9ances?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"15917\" class=\"elementor elementor-15917\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ae8bfa elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"1ae8bfa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/www.fgi-bourse.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/573263_Business_Stock_3840x2160.mp4&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;}\">\n                                <div class=\"elementor-background-video-container\">\n                                                    <video class=\"elementor-background-video-hosted elementor-html5-video\" autoplay muted playsinline loop><\/video>\n                                            <\/div>\n                                    <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-default\">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a6b16d\" data-id=\"0a6b16d\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-d39d938 elementor-widget elementor-widget-heading\" data-id=\"d39d938\" 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\">C'EST QUOI LA TITRISATION DE CREANCE?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-c718b2c elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"c718b2c\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended\">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8510bb\" data-id=\"a8510bb\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a730ff9 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"a730ff9\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default\">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2c5e424\" data-id=\"2c5e424\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \r\n\t\t<div class=\"elementor-element elementor-element-8ca7ea0 elementor-widget elementor-widget-ct_title\" data-id=\"8ca7ea0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-title1 style1\">\r\n    <h3>\r\n    \t\t        <span>DEFINITIONS ET PRINCIPES GENERAUX<\/span>\r\n\t        <i><\/i>\r\n\t        <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0239634 elementor-widget elementor-widget-text-editor\" data-id=\"0239634\" 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 style=\"text-align: justify;\">La Titrisation est une technique financi\u00e8re qui permet \u00e0 une entit\u00e9 de mobiliser des fonds adoss\u00e9s \u00e0 un portefeuille d\u2019actifs (des cr\u00e9ances) qu\u2019elle d\u00e9tient. Les actifs sont donc transform\u00e9s en titres n\u00e9gociables sur le march\u00e9 financier (obligations), avec des maturit\u00e9s vari\u00e9es (court, moyen, long terme). Le paiement de ces titres est assur\u00e9 par les revenus des cr\u00e9ances<\/p><p style=\"text-align: justify;\">Depuis 2010, la Commission de l\u2019UEMOA a dot\u00e9 la zone UEMOA d\u2019un cadre r\u00e9glementaire r\u00e9gissant\u00a0 les op\u00e9rations de titrisation, notamment le R\u00e8glement n\u00b002\/2010\/CM\/UEMOA relatif aux Fonds Communs de Titrisation de Cr\u00e9ances (FCTC) et aux\u00a0 op\u00e9rations de titrisation dans l\u2019UEMOA,\u00a0 ses diff\u00e9rents textes d\u2019application et instructions subs\u00e9quentes de l\u2019AMF-UMOA, le R\u00e9gulateur du march\u00e9 financier de l\u2019UEMOA..<\/p><p style=\"text-align: justify;\">Ce cadre r\u00e8glementaire dont la vocation premi\u00e8re est de permettre au syst\u00e8me bancaire de mobiliser des ressources \u00e0 long terme, offre une certaine\u00a0 flexibilit\u00e9 sur le plan des actifs titrisables (facult\u00e9 de titriser des cr\u00e9ances existantes ou futures), sous r\u00e9serve de crit\u00e8res sp\u00e9cifiques de\u00a0 s\u00e9lection, notamment en termes de pr\u00e9dictibilit\u00e9 des flux financiers, d\u2019existence de donn\u00e9es historiques de performance (paiement, d\u00e9faut), de\u00a0 granularit\u00e9, d\u2019homog\u00e9n\u00e9it\u00e9 des cr\u00e9ances et d\u2019absence de risques non quantifiables.<\/p><p style=\"text-align: justify;\">La titrisation de cr\u00e9ances sur le march\u00e9 financier de l\u2019UEMOA s\u2019effectue g\u00e9n\u00e9ralement via la cr\u00e9ation des fonds communs de titrisation de cr\u00e9ances (FCTC) qui peuvent poss\u00e9der un ou plusieurs compartiments.<\/p><p style=\"text-align: justify;\">La titrisation peut \u00eatre utilis\u00e9e par les banques et les \u00e9tablissements financiers ou des entreprises industrielles et commerciales. En effet, en principe, n\u2019importe quel actif peut \u00eatre titris\u00e9 du moment qu\u2019il g\u00e9n\u00e8re des flux de tr\u00e9sorerie r\u00e9guliers\u00a0: cr\u00e9dits bancaires, immeubles avec des revenus locatifs, cr\u00e9ances commerciales, \u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<div class=\"elementor-element elementor-element-e6c79fe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e6c79fe\" 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<\/span>\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-2c2ace8 elementor-widget elementor-widget-ct_title\" data-id=\"2c2ace8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-title1 style1\">\r\n    <h3>\r\n    \t\t        <span> \tLES PRINCIPAUX ACTEURS D\u2019UNE OPERATION DE TITRISATION DE CREANCES<\/span>\r\n\t        <i><\/i>\r\n\t        <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54a2ced elementor-widget elementor-widget-ct_text_editor\" data-id=\"54a2ced\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_text_editor-54a2ced\" class=\"ct-text-editor\" data-wow-delay=\"ms\">\n\t<div class=\"ct-item--inner\">\n\t\t<div class=\"ct-inline-css\"  data-css=\"\t        \t\t\t\">\n\n\t    <\/div>\n\t\t<div class=\"ct-text-editor elementor-clearfix\">\n\t\t\t<table><tbody><tr><td width=\"321\"><p><strong>QUI?<\/strong><\/p><\/td><td width=\"321\"><p><strong>COMMENT?<\/strong><\/p><\/td><\/tr><tr><td width=\"321\"><p>L\u2019Arrangeur<\/p><\/td><td width=\"321\"><p>Responsable de la structuration de l\u2019op\u00e9ration de titrisation, de la s\u00e9lection des diff\u00e9rents intervenants et de la coordination globale de l\u2019op\u00e9ration<\/p><\/td><\/tr><tr><td width=\"321\"><p>Le (s) C\u00e9dant(s)<\/p><\/td><td width=\"321\"><p>Entit\u00e9s d\u00e9tenant les cr\u00e9ances \u00e0 c\u00e9der au FCTC<\/p><\/td><\/tr><tr><td width=\"321\"><p>Le Fonds Commun de Titrisation de Cr\u00e9ances (FCTC)<\/p><\/td><td width=\"321\"><p>Copropri\u00e9t\u00e9 dont la principale activit\u00e9 est l\u2019acquisition de cr\u00e9ances et l\u2019\u00e9mission de titres (obligations) pour financer ses acquisitions<\/p><\/td><\/tr><tr><td width=\"321\"><p>La Soci\u00e9t\u00e9 de gestion<\/p><\/td><td width=\"321\"><p>Charg\u00e9e de la gestion du FCTC qu\u2019elle repr\u00e9sente vis \u00e0 vis des tiers<\/p><\/td><\/tr><tr><td width=\"321\"><p>Le Gestionnaire des cr\u00e9ances<\/p><\/td><td width=\"321\"><p>Responsable de la gestion et du recouvrement des cr\u00e9ances pour le compte du FCTC<\/p><\/td><\/tr><tr><td width=\"321\"><p>Le D\u00e9positaire<\/p><\/td><td width=\"321\"><p>Contr\u00f4le de la r\u00e9gularit\u00e9 des d\u00e9cisions de la Soci\u00e9t\u00e9 de Gestion<\/p><p>et conservation des actifs du FCTC<\/p><p>\u00a0<\/p><\/td><\/tr><tr><td width=\"321\"><p>Chef de file du syndicat de placement<\/p><\/td><td width=\"321\"><p>Responsable de la coordination des SGI membres du syndicat de placement en charge de la commercialisation des obligations \u00e0 \u00e9mettre sur le march\u00e9 financier<\/p><p>\u00a0<\/p><\/td><\/tr><tr><td width=\"321\"><p>Autorit\u00e9s de supervision\u00a0: BCEAO, AMF-UMOA<\/p><\/td><td width=\"321\"><ul><li>Surveillance de la r\u00e9gularit\u00e9 des actes de la Soci\u00e9t\u00e9 de Gestion et du\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0D\u00e9positaire<\/li><li>d\u00e9livrance des agr\u00e9ments<\/li><li>Veille au respect de la r\u00e9glementation par les diff\u00e9rents intervenants<\/li><\/ul><p>\u00a0<\/p><\/td><\/tr><tr><td width=\"321\"><p>Autres acteurs\u00a0: avocats, expert-\u00e9valuateur, commissaires aux comptes, agence de notation<\/p><\/td><td width=\"321\"><ul><li>Conseil juridique pendant la phase de structuration<\/li><li>Attestation de la valeur des cr\u00e9ances \u00e0 titriser<\/li><li>\u00a0audit annuel et certification des comptes<\/li><li>Notation des titres \u00e9mis par le FCTC<\/li><\/ul><p>\u00a0<\/p><\/td><\/tr><\/tbody><\/table>\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5674f3 elementor-widget elementor-widget-ct_title\" data-id=\"a5674f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-title1 style1\">\r\n    <h3>\r\n    \t\t        <span> \t \tINTERETS DE LA TITRISATION DE CREANCES <\/span>\r\n\t        <i><\/i>\r\n\t        <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90e08e6 elementor-widget elementor-widget-ct_accordion\" data-id=\"90e08e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_accordion-90e08e6\" class=\"ct-accordion layout1 style1\">\r\n                    <div class=\"ct-accordion-item active\">\r\n                <div class=\"ct-ac-title active\" data-target=\"#8fa5f1act_accordion-90e08e6\">\r\n                    <a class=\"ct-ac-title-text\">\r\n                                                                        Am\u00e9lioration de la rentabilit\u00e9                        <i class=\"ct-icon-accordion\"><\/i>\r\n                    <\/a>\r\n                <\/div>\r\n                <div id=\"8fa5f1act_accordion-90e08e6\" class=\"ct-ac-content\" style=\"display:block;\"><p style=\"text-align: justify\">La r\u00e9allocation des ressources mobilis\u00e9es via une op\u00e9ration de titrisation de cr\u00e9ances vers des activit\u00e9s \u00e0 fort potentiel constitue une opportunit\u00e9 de d\u00e9veloppement des affaires pour les entreprises qui titrisent.<\/p><\/div>\r\n            <\/div>\r\n                    <div class=\"ct-accordion-item\">\r\n                <div class=\"ct-ac-title\" data-target=\"#2ecb5a6ct_accordion-90e08e6\">\r\n                    <a class=\"ct-ac-title-text\">\r\n                                                                        Acc\u00e8s au march\u00e9 financier                        <i class=\"ct-icon-accordion\"><\/i>\r\n                    <\/a>\r\n                <\/div>\r\n                <div id=\"2ecb5a6ct_accordion-90e08e6\" class=\"ct-ac-content\"><p style=\"text-align: justify\">L\u2019entreprise qui titrise ses cr\u00e9ances a ainsi l\u2019opportunit\u00e9 d\u2019acc\u00e9der \u00e0 de meilleurs conditions de financement gr\u00e2ce au march\u00e9 financier.<\/p><\/div>\r\n            <\/div>\r\n                    <div class=\"ct-accordion-item\">\r\n                <div class=\"ct-ac-title\" data-target=\"#ecce1c9ct_accordion-90e08e6\">\r\n                    <a class=\"ct-ac-title-text\">\r\n                                                                        Am\u00e9lioration du portefeuille \u00e0 risque et des ratios de division de risque pour les institutions financi\u00e8res                        <i class=\"ct-icon-accordion\"><\/i>\r\n                    <\/a>\r\n                <\/div>\r\n                <div id=\"ecce1c9ct_accordion-90e08e6\" class=\"ct-ac-content\"><p style=\"text-align: justify\">La constitution du portefeuille de cr\u00e9ances peut porter sur des cr\u00e9ances saines \u00e0 court terme et des cr\u00e9ances r\u00e9\u00e9chelonn\u00e9es pour permettre au d\u00e9biteur de payer dans les d\u00e9lais plus confortables gr\u00e2ce \u00e0 sa nouvelle capacit\u00e9 de remboursement.<\/p><p style=\"text-align: justify\">La titrisation constitue une alternative en mati\u00e8re de r\u00e9duction de la limite d\u2019exposition sur une signature (d\u00e9biteur sp\u00e9cifique ou m\u00eame les dirigeants).<\/p><\/div>\r\n            <\/div>\r\n                    <div class=\"ct-accordion-item\">\r\n                <div class=\"ct-ac-title\" data-target=\"#309619ect_accordion-90e08e6\">\r\n                    <a class=\"ct-ac-title-text\">\r\n                                                                        Am\u00e9lioration de la tr\u00e9sorerie et du coefficient de liquidit\u00e9                        <i class=\"ct-icon-accordion\"><\/i>\r\n                    <\/a>\r\n                <\/div>\r\n                <div id=\"309619ect_accordion-90e08e6\" class=\"ct-ac-content\"><p style=\"text-align: justify\">La titrisation permet la transformation des cr\u00e9ances en liquidit\u00e9 et l\u2019affectation de ces ressources additionnelles en fonction des contraintes de ratios et de la strat\u00e9gie d\u2019emploi de la tr\u00e9sorerie. Ainsi l\u2019institution encaisse aujourd\u2019hui des remboursements futurs.<\/p><\/div>\r\n            <\/div>\r\n                    <div class=\"ct-accordion-item\">\r\n                <div class=\"ct-ac-title\" data-target=\"#c10e663ct_accordion-90e08e6\">\r\n                    <a class=\"ct-ac-title-text\">\r\n                                                                        Transformation des portefeuilles de cr\u00e9dits de court terme en un portefeuille compos\u00e9 des cr\u00e9dits de long terme et des cr\u00e9dits de court terme                        <i class=\"ct-icon-accordion\"><\/i>\r\n                    <\/a>\r\n                <\/div>\r\n                <div id=\"c10e663ct_accordion-90e08e6\" class=\"ct-ac-content\"><p style=\"text-align: justify\">La titrisation a l\u2019avantage de lever des ressources \u00e0 rembourser sur une longue p\u00e9riode qui peuvent \u00eatre adoss\u00e9es \u00e0 des cr\u00e9ances de courte dur\u00e9e avecl\u2019engagement du c\u00e9dant \u00e0 renouveler le portefeuille de cr\u00e9ances titris\u00e9es.<\/p><\/div>\r\n            <\/div>\r\n            <\/div>\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d9e94e elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"4d9e94e\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default\">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8609b4\" data-id=\"d8609b4\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap\">\n                    \n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>C&#8217;EST QUOI LA TITRISATION DE CREANCE? DEFINITIONS ET PRINCIPES GENERAUX La Titrisation est une technique financi\u00e8re qui permet \u00e0 une entit\u00e9 de mobiliser des fonds adoss\u00e9s \u00e0 un portefeuille d\u2019actifs (des cr\u00e9ances) qu\u2019elle d\u00e9tient. Les actifs sont donc transform\u00e9s en titres n\u00e9gociables sur le march\u00e9 financier (obligations), avec des maturit\u00e9s vari\u00e9es (court, moyen, long terme). [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15917","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C&#039;est quoi la titrisation de cr\u00e9ances? - FGI BOURSE - Finance Gestion Interm\u00e9diation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fgi-bourse.com\/en\/cest-quoi-la-titrisation-de-creances\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C&#039;est quoi la titrisation de cr\u00e9ances? - FGI BOURSE - Finance Gestion Interm\u00e9diation\" \/>\n<meta property=\"og:description\" content=\"C&#8217;EST QUOI LA TITRISATION DE CREANCE? DEFINITIONS ET PRINCIPES GENERAUX La Titrisation est une technique financi\u00e8re qui permet \u00e0 une entit\u00e9 de mobiliser des fonds adoss\u00e9s \u00e0 un portefeuille d\u2019actifs (des cr\u00e9ances) qu\u2019elle d\u00e9tient. Les actifs sont donc transform\u00e9s en titres n\u00e9gociables sur le march\u00e9 financier (obligations), avec des maturit\u00e9s vari\u00e9es (court, moyen, long terme). 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