{"id":95443,"date":"2017-03-14T08:17:26","date_gmt":"2017-03-14T07:17:26","guid":{"rendered":"http:\/\/batijournal.com\/?p=95443"},"modified":"2019-07-15T12:03:56","modified_gmt":"2019-07-15T10:03:56","slug":"crowdfunding-choisir-alerte-plateformes-se-defendent","status":"publish","type":"post","link":"https:\/\/batijournal.com\/index.php\/crowdfunding-choisir-alerte-plateformes-se-defendent\/95443\/","title":{"rendered":"Crowdfunding : Que choisir alerte, les plateformes se d\u00e9fendent !"},"content":{"rendered":"<p>Alors que le march\u00e9 du financement participatif double chaque ann\u00e9e pour atteindre plus de 440 millions d&rsquo;euros en 2016, l\u2019UFC-Que Choisir a rendu publique une \u00e9tude pointant les techniques de commercialisation des plateformes pr\u00e9judiciables aux consommateurs pr\u00eateurs. Faute d\u2019une s\u00e9lection rigoureuse des projets, les rendements que peuvent en attendre les consommateurs sont bien plus faibles que communiqu\u00e9s, avec un risque significatif de perte en capital.\u00a0L\u2019UFC-Que Choisir a pass\u00e9 au crible les conditions g\u00e9n\u00e9rales d\u2019utilisation de 6 plateformes de financement et ne peut manquer d\u2019\u00e9pingler une multitude de clauses qu\u2019elle estime abusives\/illicites. Les principaux points noirs sont l\u2019exon\u00e9ration de responsabilit\u00e9 quant au bon fonctionnement du site, \u00e0 l\u2019exactitude des informations publi\u00e9es sur leurs sites et la s\u00e9curisation des donn\u00e9es financi\u00e8res et personnelles.<\/p>\n<p>Pour J\u00e9r\u00e9mie Benmoussa, Directeur G\u00e9n\u00e9ral et co-fondateur de Fundimmo, plateforme fran\u00e7aise de crowdfunding sp\u00e9cialis\u00e9e en immobilier d\u2019entreprise, la plupart des plateformes de financement participatif font le n\u00e9cessaire pour encadrer au mieux le crowdfunding.\u00a0Aujourd\u2019hui, les plateformes de crowdfunding fran\u00e7aises sont contr\u00f4l\u00e9es par l\u2019AMF ou l\u2019ACPR et se doivent d\u2019avoir une politique d\u2019alerte risques et de d\u00e9marchage commercial irr\u00e9prochables, sous peine d\u2019\u00eatre sanctionn\u00e9es lourdement. Elles sont d\u2019ailleurs agr\u00e9\u00e9es par l\u2019une et\/ou l\u2019autre de ces autorit\u00e9s selon leurs activit\u00e9s, afin de garantir leur fiabilit\u00e9 au public.\u00a0Des sites viables comme Hellocrowdfunding agissent avec professionnalisme pour alerter les investisseurs sur l\u2019\u00e9tat du march\u00e9 et des plateformes.\u00a0Fundimmo suit \u00e9galement en permanence l\u2019\u00e9volution des projets de toutes les plateformes du crowdfunding immobilier. Gr\u00e2ce \u00e0 cela, Fundimmo a \u00e9tabli le \u00ab\u00a0Barom\u00e8tre annuel du crowdfunding immobilier en France en 2016\u00a0\u00bb. On peut y lire que le taux de retard est de seulement 1,9% depuis le lancement de l\u2019activit\u00e9 en France en 2013, sur plus de 100M\u20ac collect\u00e9s. Cela d\u00e9montre le succ\u00e8s aupr\u00e8s des promoteurs et des investisseurs, mais aussi la viabilit\u00e9 et le bon fonctionnement de ce secteur du financement participatif.<\/p>\n<p>Malgr\u00e9 tout, il est vrai que certaines soci\u00e9t\u00e9s (dont certaines de crowdfunding immobilier) communiquent un peu trop sur leurs rendements propos\u00e9s et pas assez sur les risques qu\u2019encourent leurs investisseurs, en attestent par exemple la qualit\u00e9 et la taille r\u00e9duite des documents d\u2019informations r\u00e9glementaires AMF de chaque projet propos\u00e9 par certaines plateformes.<\/p>\n<p>L\u2019association Financement Participatif France (FPF) a publi\u00e9 une note d\u00e9taill\u00e9e r\u00e9pondant point par point aux accusations de UFC-Que Choisir, l\u2019association aurait pr\u00e9f\u00e9r\u00e9 que UFC-Que Choisir lui pose des questions avant de publier ce rapport \u00e0 charge. Il est certain que de nombreux \u00e9pargnants ont \u00e9t\u00e9 attir\u00e9s par ce nouveau mode de gestion de leur \u00e9pargne. Mais celui-ci n\u2019est pas ouvert \u00e0 des personnes sans aucune culture \u00e9conomique et financi\u00e8re. Ce sont ceux que d\u00e9fend UFC. La profession doit sans doute am\u00e9liorer ses mises en garde, mais nous savons que des millions de Fran\u00e7ais souhaitent consacrer une part de leur \u00e9pargne \u00e0 des projets de l\u2019\u00e9conomie r\u00e9elle : ne les d\u00e9courageons pas, trois ans apr\u00e8s la r\u00e9forme.\u00a0L\u2019encadrement r\u00e9glementaire est \u00e0 fois tr\u00e8s neuf, souple et efficace. FPF se joint\u00a0\u00e0 UFC pour demander au r\u00e9gulateur de contr\u00f4ler et de sanctionner tous les exc\u00e8s. Les\u00a0propres analyses de FPF donnent des r\u00e9sultats nettement plus positifs pour les pr\u00eateurs. Les plateformes sont extr\u00eamement transparentes selon FPF ; d\u2019autant plus si on les compare \u00e0 des produits d\u2019\u00e9pargne traditionnels.\u00a0Enfin, FPF, en tant qu\u2019association professionnelle, recommande aux plateformes d\u2019am\u00e9liorer la r\u00e9daction des CGU et CGV. Elle va\u00a0proposer de standardiser au mieux les informations sur le risque et les mises en garde vis-\u00e0-vis de pr\u00eateurs.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.quechoisir.org\/action-ufc-que-choisir-financement-participatif-alerte-sur-les-risques-et-abus-n24530\/?dl=23198\">T\u00e9l\u00e9charger l&rsquo;\u00e9tude financement participatif de l&rsquo;UFC-Que Choisir<\/a><\/p>\n<p><a href=\"http:\/\/financeparticipative.org\/wp-content\/uploads\/2017\/03\/2017-03-02_note-de-contestation-sur-l%C3%A9tude-UFC-Que-choisir.pdf\">T\u00e9l\u00e9charger la r\u00e9ponse de FPF<\/a><\/p>\n<p>Visuel : FPF<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alors que le march\u00e9 du financement participatif double chaque ann\u00e9e pour atteindre plus de 440 millions d&rsquo;euros en 2016, l\u2019UFC-Que Choisir a rendu publique une \u00e9tude pointant les techniques de commercialisation des plateformes pr\u00e9judiciables aux consommateurs pr\u00eateurs. Faute d\u2019une s\u00e9lection rigoureuse des projets, les rendements que peuvent en attendre les consommateurs sont bien plus faibles [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":95444,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10736,10530,6345],"tags":[10989],"class_list":["post-95443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualites","category-economie-marches","tag-crowdfunding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crowdfunding : Que choisir alerte, les plateformes se d\u00e9fendent !<\/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:\/\/batijournal.com\/index.php\/crowdfunding-choisir-alerte-plateformes-se-defendent\/95443\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crowdfunding : Que choisir alerte, les plateformes se d\u00e9fendent !\" \/>\n<meta property=\"og:description\" content=\"Alors que le march\u00e9 du financement participatif double chaque ann\u00e9e pour atteindre plus de 440 millions d&rsquo;euros en 2016, l\u2019UFC-Que Choisir a rendu publique une \u00e9tude pointant les techniques de commercialisation des plateformes pr\u00e9judiciables aux consommateurs pr\u00eateurs. Faute d\u2019une s\u00e9lection rigoureuse des projets, les rendements que peuvent en attendre les consommateurs sont bien plus faibles [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/batijournal.com\/index.php\/crowdfunding-choisir-alerte-plateformes-se-defendent\/95443\/\" \/>\n<meta property=\"og:site_name\" content=\"Batijournal\" \/>\n<meta property=\"article:published_time\" content=\"2017-03-14T07:17:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-15T10:03:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/batijournal.com\/wp-content\/uploads\/2017\/03\/Finance-alternative_fonds-collectes.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1218\" \/>\n\t<meta property=\"og:image:height\" content=\"607\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"St\u00e9phane Miget\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bati_journal\" \/>\n<meta name=\"twitter:site\" content=\"@bati_journal\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"St\u00e9phane Miget\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/crowdfunding-choisir-alerte-plateformes-se-defendent\\\/95443\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/crowdfunding-choisir-alerte-plateformes-se-defendent\\\/95443\\\/\"},\"author\":{\"name\":\"St\u00e9phane Miget\",\"@id\":\"https:\\\/\\\/batijournal.com\\\/#\\\/schema\\\/person\\\/1dc96ec6957aa1ccb25ebe78bb19f100\"},\"headline\":\"Crowdfunding : Que choisir alerte, les plateformes se d\u00e9fendent !\",\"datePublished\":\"2017-03-14T07:17:26+00:00\",\"dateModified\":\"2019-07-15T10:03:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/crowdfunding-choisir-alerte-plateformes-se-defendent\\\/95443\\\/\"},\"wordCount\":688,\"image\":{\"@id\":\"https:\\\/\\\/batijournal.com\\\/index.php\\\/crowdfunding-choisir-alerte-plateformes-se-defendent\\\/95443\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/batijournal.com\\\/wp-content\\\/uploads\\\/2017\\\/03\\\/Finance-alternative_fonds-collectes.png\",\"keywords\":[\"crowdfunding\"],\"articleSection\":[\"A la Une\",\"Actualit\u00e9s\",\"\u00c9conomie &amp; 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