{"id":3334,"date":"2021-05-21T09:25:08","date_gmt":"2021-05-21T09:25:08","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/prets-participatifs-renforcer-la-solvabilite-sans-ouvrir-le-capital\/"},"modified":"2025-01-08T08:39:48","modified_gmt":"2025-01-08T08:39:48","slug":"prets-participatifs-renforcer-la-solvabilite-sans-ouvrir-le-capital","status":"publish","type":"post","link":"https:\/\/inbonis.com\/es\/2021\/05\/21\/prets-participatifs-renforcer-la-solvabilite-sans-ouvrir-le-capital\/","title":{"rendered":"Pr\u00eats participatifs: renforcer la solvabilit\u00e9 sans ouvrir le capital"},"content":{"rendered":"<p>La prolongation de la pand\u00e9mie a entra\u00een\u00e9 le surendettement des entreprises viables. Il est donc n\u00e9cessaire que les PME et ETI retrouvent leur solvabilit\u00e9 afin de pouvoir continuer \u00e0 investir, \u00e0 innover et \u00e0 cr\u00e9er des emplois. Pour y parvenir,<strong> il existe des formules financi\u00e8res qui permettent aux entreprises d\u2019attirer des investisseurs sans qu\u2019ils aient besoin de devenir actionnaires. Pour cela, la PME doit avoir une notation de cr\u00e9dit positive, y compris pour les pr\u00eats participatifs.<\/strong><\/p>\n<p>Il s\u2019agit d\u2019un instrument de financement interm\u00e9diaire entre les fonds propres et les pr\u00eats \u00e0 long terme, g\u00e9n\u00e9ralement utilis\u00e9 en temps de crise, dans lequel les financiers re\u00e7oivent, en plus de la r\u00e9mun\u00e9ration fixe par les int\u00e9r\u00eats (3,5%), une r\u00e9mun\u00e9ration variable bas\u00e9e sur les b\u00e9n\u00e9fices, qui se situe g\u00e9n\u00e9ralement autour de 3-8%. Les institutions publiques utilisent d\u00e9j\u00e0 ces ressources pour revitaliser l\u2019\u00e9conomie.<\/p>\n<p>Le tableau suivant r\u00e9sume les principales caract\u00e9ristiques des pr\u00eats participatifs et les compare \u00e0 d\u2019autres instruments de financement :<\/p>\n<style type=\"text\/css\">\n\ttable.tableizer-table {<br \/>\t\tfont-size: 12px;<br \/>\t\tborder: 1px solid #CCC;<br \/>\t\tfont-family: Arial, Helvetica, sans-serif;<br \/>\t}<br \/>\t.tableizer-table td {<br \/>\t\tpadding: 4px;<br \/>\t\tmargin: 3px;<br \/>\t\tborder: 1px solid #CCC;<br \/>\t}<br \/>\t.tableizer-table th {<br \/>\t\tbackground-color: #104E8B;<br \/>\t\tcolor: #FFF;<br \/>\t\tfont-weight: bold;<br \/>\t}<br \/><\/style>\n<table class=\"tableizer-table\">\n<thead>\n<tr class=\"tableizer-firstrow\">\n<th>Instrument<\/th>\n<th>Ordre<\/th>\n<th>Dur\u00e9e moyenne<\/th>\n<th>Rentabilit\u00e9 exig\u00e9e \/ co\u00fbt pour l&#8217;entreprise)<\/th>\n<th>Remboursement<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><strong>Format<\/strong><\/td>\n<td><strong>P\u00e9riodicit\u00e9<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Fonds propres<\/td>\n<td>4<\/td>\n<td>8-15 ans[1]<\/td>\n<td>10-20%[2]<\/td>\n<td>Dividendes<\/td>\n<td>Annuel\/Incertain<\/td>\n<\/tr>\n<tr>\n<td>Pr\u00eats participatifs[3]<\/td>\n<td>3<\/td>\n<td>8-10 ans<\/td>\n<td>4-5,5%<\/td>\n<td>Int\u00e9r\u00eats + Remboursement du principal<\/td>\n<td>Trimestriel + in-fine + Carence 4 ans<\/td>\n<\/tr>\n<tr>\n<td>Obligation subordonn\u00e9e<\/td>\n<td>3<\/td>\n<td>8 ans<\/td>\n<td>4-5,5%<\/td>\n<td>Int\u00e9r\u00eats + Remboursement du principa<\/td>\n<td>Trismestriel + In-fine<\/td>\n<\/tr>\n<tr>\n<td>Dette junior \/ mezzanine[4]<\/td>\n<td>2<\/td>\n<td>6-8 ans<\/td>\n<td>10-15% (taux d&#8217;int\u00e9r\u00eat effectif: 5-7% + taux d&#8217;int\u00e9r\u00eat capitalis\u00e9: 5-7%}<\/td>\n<td>Coupon + Remboursement du principal et prime additionnelle<\/td>\n<td>Trimestriel + in-fine<\/td>\n<\/tr>\n<tr>\n<td>Dette bancaire<\/td>\n<td>1<\/td>\n<td>2,7 ans[5]<\/td>\n<td>&lt; 1,5%<\/td>\n<td>Int\u00e9r\u00eats + Remboursement du principal<\/td>\n<td>Mensuel<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h6 style=\"font-weight: 400;\"><sup>[1]<\/sup>\u00a0Esp\u00e9rance de vie d\u2019une entreprise \u00e0 la naissance: 8 ans; esp\u00e9rance de vie d\u2019une entreprise de plus de 10 ans: 15 ans.<\/h6>\n<h6 style=\"font-weight: 400;\"><sup>2<\/sup>\u00a0Estimation de rentabilit\u00e9 exig\u00e9e du secteur Private Equity.<\/h6>\n<h6 style=\"font-weight: 400;\"><sup>3<\/sup>\u00a0Programme des pr\u00eats participatifs Relance. N.B.\u00a0: des taux d\u2019int\u00e9r\u00eats variable fonction du r\u00e9sultat de l\u2019entreprise peuvent \u00eatre mis en place dans ce type de pr\u00eat<\/h6>\n<h6 style=\"font-weight: 400;\"><sup>4<\/sup>\u00a0Source\u00a0: Etude France Invest sur le march\u00e9 du financement des PME:\u00a0<a href=\"https:\/\/www.franceinvest.eu\/kit_financement\/dette-mezzanine\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.franceinvest.eu\/kit_financement\/dette-mezzanine&amp;source=gmail&amp;ust=1621692691406000&amp;usg=AFQjCNG2sdqZl7bV2-XgBO6mQFqauJ79HQ\">https:\/\/www.franceinvest.eu\/kit_financement\/dette-mezzanine<\/a><\/h6>\n<h6 style=\"font-weight: 400;\"><sup>5<\/sup>\u00a0Source: rapport prudentiel 2018 des principales banques<\/h6>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La prolongation de la pand\u00e9mie a entra\u00een\u00e9 le surendettement des entreprises viables. Il est donc n\u00e9cessaire que les PME et ETI retrouvent leur solvabilit\u00e9 afin de pouvoir continuer \u00e0 investir, \u00e0 innover et \u00e0 cr\u00e9er des emplois. Pour y parvenir, il existe des formules financi\u00e8res qui permettent aux entreprises d\u2019attirer des investisseurs sans qu\u2019ils aient [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3334","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pr\u00eats participatifs: renforcer la solvabilit\u00e9 sans ouvrir le capital - INBONIS RATING | The Credit Rating Agency for SME<\/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:\/\/inbonis.com\/es\/2021\/05\/21\/prets-participatifs-renforcer-la-solvabilite-sans-ouvrir-le-capital\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eats participatifs: renforcer la solvabilit\u00e9 sans ouvrir le capital\" \/>\n<meta property=\"og:description\" content=\"La prolongation de la pand\u00e9mie a entra\u00een\u00e9 le surendettement des entreprises viables. Il est donc n\u00e9cessaire que les PME et ETI retrouvent leur solvabilit\u00e9 afin de pouvoir continuer \u00e0 investir, \u00e0 innover et \u00e0 cr\u00e9er des emplois. 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