[{"data":1,"prerenderedAt":2822},["ShallowReactive",2],{"fr-blog/finance-durable":3,"fr-global-content":704,"fr-article-global-content":2046,"fr-blog-article-more-articles-213437476":2304},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":691,"full_slug":692,"sort_by_date":52,"position":693,"tag_list":694,"is_startpage":29,"parent_id":695,"meta_data":52,"group_id":696,"first_published_at":697,"release_id":52,"lang":58,"path":52,"alternates":698,"default_full_slug":699,"translated_slugs":700},"Comment faire de la finance durable dans une PME","2022-11-02T18:03:50.517Z","2026-09-25T12:00:03.736Z","2026-09-25T12:00:03.754Z",213437476,"e66e7f84-3730-44e0-b855-5843c45c1a6c",{"_uid":11,"title":4,"author":12,"topics":68,"content":100,"category":655,"language":681,"component":668,"heroMedia":682,"publishedAt":689,"readingTime":690,"redirectUrl":23},"a4f68e79-77e3-406f-9746-5a998de9b307",{"name":13,"created_at":14,"published_at":15,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":50,"full_slug":51,"sort_by_date":52,"position":53,"tag_list":54,"is_startpage":29,"parent_id":55,"meta_data":52,"group_id":56,"first_published_at":57,"release_id":52,"lang":58,"path":52,"alternates":59,"default_full_slug":60,"translated_slugs":61,"_stopResolving":67},"Laurence Kermorgant","2022-10-19T17:43:32.473Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.250Z",206167982,"ad5e9865-33b0-4e4f-87fb-87854da52c85",{"_uid":20,"name":13,"links":21,"picture":36,"lastName":38,"component":39,"firstName":40,"description":41},"7b6af6e6-4cef-414b-b406-e7f20b9f0876",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","fc35f0d4-4b24-4a61-9b3e-74da38f7994c",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/laurence-kermorgant-5018a52/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/c873863fcb/laurence-kermorgant.jpeg","Kermorgant","author","Laurence",{"type":42,"content":43},"doc",[44],{"type":45,"content":46},"paragraph",[47],{"text":48,"type":49},"Laurence Kermorgant est rédactrice web SEO. Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et américains.","text","laurence-kermorgant","fr/blog/author/laurence-kermorgant",null,-860,[],176408854,"ea6e443c-29db-4708-b9a6-5239d19881b7","2022-11-02T15:25:44.771Z","fr",[],"blog/author/laurence-kermorgant",[62,63,65],{"path":60,"name":52,"lang":58,"published":52},{"path":60,"name":52,"lang":64,"published":52},"de",{"path":60,"name":52,"lang":66,"published":52},"es",true,[69],{"name":70,"created_at":71,"published_at":72,"updated_at":73,"id":74,"uuid":75,"content":76,"slug":87,"full_slug":88,"sort_by_date":52,"position":89,"tag_list":90,"is_startpage":29,"parent_id":91,"meta_data":52,"group_id":92,"first_published_at":93,"release_id":52,"lang":58,"path":52,"alternates":94,"default_full_slug":95,"translated_slugs":96,"_stopResolving":67},"Définitions","2022-10-19T17:57:53.036Z","2026-09-29T09:14:37.812Z","2026-09-29T09:14:37.831Z",206171414,"4eb63393-291f-41de-88a9-d09d440119df",{"seo":77,"_uid":85,"name":70,"component":86},[78],{"_uid":79,"noIndex":29,"component":80,"metaFields":81},"20d2123c-5272-4aa0-bc3c-97c0781f640b","seo",{"_uid":82,"plugin":83,"description":84},"9620232a-9cde-4161-8917-50a897eaa0c7","meta-fields","Des definitions claires des termes finance et gestion des depenses, pour mieux comprendre le vocabulaire du metier.","4b129421-c813-4491-8835-bb3b4776fcc3","tag","definitions","fr/blog/topic/definitions",-180,[],176456153,"a6a39cd8-f138-4757-9ab3-b801e1ea1a0d","2022-11-02T15:24:51.468Z",[],"blog/topic/definitions",[97,98,99],{"path":95,"name":52,"lang":58,"published":52},{"path":95,"name":52,"lang":64,"published":52},{"path":95,"name":52,"lang":66,"published":52},{"type":42,"content":101},[102,113,117,126,134,140,144,156,161,171,176,186,204,214,219,227,233,242,250,255,265,270,287,292,302,306,342,346,356,361,378,396,401,417,422,432,436,457,462,474,479,489,494,511,516,526,531,546,551,569,597,612,617,627,635,640],{"type":45,"content":103},[104,106,111],{"text":105,"type":49},"Repenser les modèles économiques en intégrant une dimension sociale et environnementale, voilà des défis à relever par le monde de l’entreprise. Vous entendez régulièrement parler de ",{"text":107,"type":49,"marks":108},"finance durable",[109],{"type":110},"bold",{"text":112,"type":49}," et de critères ESG. Mais savez-vous concrètement ce que cela recouvre et comment mettre en œuvre ces processus dans une PME ? Nous vous expliquons dans cet article ses différentes composantes, finance solidaire, finance responsable et finance verte. Nous vous détaillons également les actions envisageables dans vos entreprises.",{"type":45,"content":114},[115],{"text":116,"type":49},"Sommaire :",{"type":45,"content":118},[119],{"text":120,"type":49,"marks":121},"1 - Qu’est-ce que la finance durable ?",[122],{"type":123,"attrs":124},"link",{"href":125,"title":52},"#A1",{"type":45,"content":127},[128],{"text":129,"type":49,"marks":130},"2 - Comment faire de la finance durable dans une PME ?",[131],{"type":123,"attrs":132},{"href":133,"title":52},"#A2",{"type":135,"attrs":136,"content":138},"heading",{"level":137},2,[139],{"text":120,"type":49},{"type":45,"content":141},[142],{"text":143,"type":49},"Le terme de finance durable s’utilise désormais pour désigner plusieurs concepts, la finance solidaire, la finance responsable et la finance verte. Faisons le point.",{"type":135,"attrs":145,"content":147},{"level":146},3,[148],{"type":149,"attrs":150},"blok",{"body":151},[152],{"_uid":153,"html":154,"component":155},"6c7d6ac2-9f0a-4d73-b9d8-996c46263a78","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-d9239f25-aafd-4134-8d45-5ac16c34dbce\">\u003Cspan class=\"hs-cta-node hs-cta-d9239f25-aafd-4134-8d45-5ac16c34dbce\" id=\"hs-cta-d9239f25-aafd-4134-8d45-5ac16c34dbce\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/d9239f25-aafd-4134-8d45-5ac16c34dbce\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-d9239f25-aafd-4134-8d45-5ac16c34dbce\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/d9239f25-aafd-4134-8d45-5ac16c34dbce.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'd9239f25-aafd-4134-8d45-5ac16c34dbce', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":135,"attrs":157,"content":158},{"level":146},[159],{"text":160,"type":49},"1.1 - Finance durable : définition",{"type":45,"content":162},[163,165,169],{"text":164,"type":49},"Ce terme provient de l’anglais « sustainable » pour « soutenable ». La finance a pour objectif de pourvoir aux besoins de l’économie en capitaux. Aussi, la finance durable recouvre toutes les pratiques financières qui allient la performance économique aux ",{"text":166,"type":49,"marks":167},"impacts sociaux et environnementaux positifs",[168],{"type":110},{"text":170,"type":49},". En ce sens, elle participe à la création d’un monde plus durable. Elle contribue à orienter les financements vers des actions bénéfiques pour la société à long terme.",{"type":135,"attrs":172,"content":173},{"level":146},[174],{"text":175,"type":49},"1.2 - Histoire de la finance durable",{"type":45,"content":177},[178,180,184],{"text":179,"type":49},"Sans en porter le nom à l’époque, la création du Mont-de-piété en 1637 constitue l’origine de la finance durable. Cet organisme de prêt à gage a pour objectif d’aider les plus démunis à accéder au crédit. S’ensuivent diverses actions menées par les établissements financiers, dont le Livret de Développement Durable et Solidaire en 2016. Citons aussi le ",{"text":181,"type":49,"marks":182},"label Finansol",[183],{"type":110},{"text":185,"type":49}," en 1997, le label Greenfin en 2015 ainsi que le label ISR (investissement Socialement Responsable) en 2017.",{"type":45,"content":187},[188,190,194,196,202],{"text":189,"type":49},"La notion de finance durable a progressé notamment après la crise financière de 2008 avec la volonté de donner du sens et d’améliorer la transparence en matière financière. L’autre axe d’expansion de la finance durable provient des ",{"text":191,"type":49,"marks":192},"17 objectifs de développement durable",[193],{"type":110},{"text":195,"type":49}," appelés ",{"text":197,"type":49,"marks":198},"ODD. C’est l’ONU qui les a définis en 2015",[199],{"type":123,"attrs":200},{"href":201,"title":52},"https://www.un.org/sustainabledevelopment/fr/objectifs-de-developpement-durable/",{"text":203,"type":49},".",{"type":45,"content":205},[206,208,212],{"text":207,"type":49},"La Banque de France indique ainsi que « les besoins financiers pour atteindre ces ODD sont évalués entre 5 000 et 7 000 milliards de dollars US d’ici 2030. La finance peut apporter une partie de ces financements via une réallocation massive des actifs financiers ». Enfin, plus proche de nous, ",{"text":209,"type":49,"marks":210},"la loi PACTE en 2019",[211],{"type":110},{"text":213,"type":49}," intègre diverses dispositions en matière d’enjeux sociaux et environnementaux pour les entreprises.",{"type":135,"attrs":215,"content":216},{"level":146},[217],{"text":218,"type":49},"1.3 - Les trois composantes de la finance durable",{"type":45,"content":220},[221,225],{"text":222,"type":49,"marks":223},"La finance durable se décline sous trois axes",[224],{"type":110},{"text":226,"type":49}," que nous vous détaillons afin de mieux comprendre le champ des possibles.",{"type":135,"attrs":228,"content":230},{"level":229},4,[231],{"text":232,"type":49},"a - La finance solidaire pour financer des projets à forte connotation sociale",{"type":45,"content":234},[235,237,241],{"text":236,"type":49},"Ce sont toutes les actions et réglementations qui ont pour objectif de financer des projets pour plus de cohésion sociale ou pour lutter contre l’exclusion. Les épargnants réalisent des placements de leur trésorerie sur des produits solidaires. Ces fonds servent ensuite à financer des ",{"text":238,"type":49,"marks":239},"programmes à forte utilité sociale",[240],{"type":110},{"text":203,"type":49},{"type":45,"content":243},[244,248],{"text":245,"type":49,"marks":246},"L’épargnant ne priorise pas le rendement financier",[247],{"type":110},{"text":249,"type":49}," de son placement, mais la participation à ces actions sociales. Citons par exemple des projets de lutte contre le mal-logement, la réinsertion de personnes défavorisées ou la réduction du chômage.",{"type":135,"attrs":251,"content":252},{"level":229},[253],{"text":254,"type":49},"b - La finance responsable et la grille de critères ESG",{"type":45,"content":256},[257,259,263],{"text":258,"type":49},"Cet axe de la finance durable appelé finance responsable porte parfois le nom de finance socialement responsable. Il correspond à des actions qui débouchent sur le financement d’investissements socialement responsables (ISR). Pour détenir l’appellation ISR, le ",{"text":260,"type":49,"marks":261},"projet doit respecter les critères ESG",[262],{"type":110},{"text":264,"type":49},", soit Environnementaux, Sociaux et de Gouvernance. Ces investissements doivent donc répondre à des enjeux ESG tout en atteignant une certaine performance financière.",{"type":135,"attrs":266,"content":267},{"level":229},[268],{"text":269,"type":49},"c - La finance verte pour un impact positif sur l’environnement",{"type":45,"content":271},[272,274,278,280,286],{"text":273,"type":49},"Ce troisième pan de la finance durable comprend des actions en faveur d’investissements à impact positif sur l’environnement. Les projets financés visent à lutter contre le réchauffement climatique et à faciliter la transition énergétique. Pour découvrir des ",{"text":275,"type":49,"marks":276},"actions du type finance verte",[277],{"type":110},{"text":279,"type":49},", comme les obligations vertes ou le marché au carbone, consultez la ",{"text":281,"type":49,"marks":282},"page finance durable du site economie.gouv.fr",[283],{"type":123,"attrs":284},{"href":285,"title":52},"https://www.economie.gouv.fr/facileco/finance-durable",{"text":203,"type":49},{"type":135,"attrs":288,"content":289},{"level":146},[290],{"text":291,"type":49},"1.4 - Zoom sur les critères ESG : comment ça marche ?",{"type":45,"content":293},[294,296,300],{"text":295,"type":49},"Ces critères environnementaux, sociaux et de gouvernance permettent d’évaluer la prise en compte des enjeux de développement durable. Ils mesurent donc la ",{"text":297,"type":49,"marks":298},"démarche RSE",[299],{"type":110},{"text":301,"type":49}," (responsabilité sociétale et environnementale) de chaque entreprise. Ces indicateurs non financiers sont de trois types.",{"type":45,"content":303},[304],{"text":305,"type":49},"Voici des exemples concrets :",{"type":307,"attrs":308,"content":310},"bullet_list",{"tight":29,"key":309},"ul-0",[311,322,332],{"type":312,"content":313},"list_item",[314],{"type":45,"content":315},[316,320],{"text":317,"type":49,"marks":318},"Environnement",[319],{"type":110},{"text":321,"type":49}," : réduction des émissions de gaz à effet de serre ou de la consommation d’énergies, prévention des catastrophes naturelles ainsi que la gestion des déchets.",{"type":312,"content":323},[324],{"type":45,"content":325},[326,330],{"text":327,"type":49,"marks":328},"Social",[329],{"type":110},{"text":331,"type":49}," : qualité du dialogue social, nombre de salariés handicapés, parité, formation, prévention des accidents du travail, etc.",{"type":312,"content":333},[334],{"type":45,"content":335},[336,340],{"text":337,"type":49,"marks":338},"Gouvernance",[339],{"type":110},{"text":341,"type":49}," : transparence en matière de rémunération des dirigeants, lutte anti-corruption, mode de pilotage entre direction, actionnaires et conseil d’administration.",{"type":135,"attrs":343,"content":344},{"level":137},[345],{"text":129,"type":49},{"type":45,"content":347},[348,350,354],{"text":349,"type":49},"Concrètement, quelles sont vos obligations en tant que DAF de PME ? Quelles actions facultatives pouvez-vous mettre en place ",{"text":351,"type":49,"marks":352},"en matière de finance durable",[353],{"type":110},{"text":355,"type":49}," ?",{"type":135,"attrs":357,"content":358},{"level":146},[359],{"text":360,"type":49},"2.1 - Intégrer la finance verte et les critères ESG dans son business model",{"type":45,"content":362},[363,365,369,371,376],{"text":364,"type":49},"La petite et moyenne entreprise peut contribuer à son niveau à la finance durable. Elle peut faire ",{"text":366,"type":49,"marks":367},"évoluer ses pratiques et ses activités,",[368],{"type":110},{"text":370,"type":49}," donc son ",{"text":372,"type":49,"marks":373},"business model",[374],{"type":375},"italic",{"text":377,"type":49}," vers plus de durabilité en intégrant des actions du type ESG. L’environnement, le social et la gouvernance sont des orientations accessibles à toute entreprise, au-delà des obligations légales qui concernent pour le moment seulement le secteur public et/ou financier.",{"type":45,"content":379},[380,382,386,388,394],{"text":381,"type":49},"Par exemple, ",{"text":383,"type":49,"marks":384},"Spendesk a mis en place un plan climat",[385],{"type":110},{"text":387,"type":49}," avec l’évaluation de l’impact carbone de départ, les actions à mettre en œuvre à court terme ainsi qu’une stratégie à long terme. Dans cet article de blog intitulé « ",{"text":389,"type":49,"marks":390},"comment nous avons créé un plan climat d’entreprise chez Spendesk »",[391],{"type":123,"attrs":392},{"href":393,"title":52},"https://blog.spendesk.com/en/company-climate-plan",{"text":395,"type":49},", nous vous expliquons notre démarche et les premières initiatives mises en place.",{"type":135,"attrs":397,"content":398},{"level":146},[399],{"text":400,"type":49},"2.2 - Orienter ses placements ou ses crédits vers de la finance verte",{"type":45,"content":402},[403,405,409,411,415],{"text":404,"type":49},"Parmi les actions simples à mettre en œuvre, la PME peut décider de modifier ses placements financiers et ses sources d’emprunts. Elle peut opter pour des produits comme les ",{"text":406,"type":49,"marks":407},"green bonds",[408],{"type":375},{"text":410,"type":49}," ou obligations vertes. Elle peut préférer des établissements financiers dont la politique et les actions en matière de RSE rejoignent ses propres ",{"text":412,"type":49,"marks":413},"préoccupations sociétales et environnementales",[414],{"type":110},{"text":416,"type":49},". Vous découvrirez ci-après les obligations qui incombent à ces organismes en matière de communication extra-financière. N’hésitez pas à consulter ces informations !",{"type":135,"attrs":418,"content":419},{"level":146},[420],{"text":421,"type":49},"2.3 - Étudier l’information publiée par les organismes financiers au titre du règlement Disclosure",{"type":45,"content":423},[424,426,430],{"text":425,"type":49},"Cette obligation ne concerne pas les PME du secteur privé, mais probablement les organismes financiers avec qui elles travaillent ou envisagent de contracter. Le ",{"text":427,"type":49,"marks":428},"règlement européen appelé Disclosure",[429],{"type":110},{"text":431,"type":49}," date de décembre 2019. Il impose depuis 2021 aux marchés financiers encore plus de transparence sur leurs entreprises et sur les produits ou conseils commercialisés.",{"type":45,"content":433},[434],{"text":435,"type":49},"On relève ainsi la communication :",{"type":307,"attrs":437,"content":438},{"tight":29,"key":309},[439,451],{"type":312,"content":440},[441],{"type":45,"content":442},[443,445,449],{"text":444,"type":49},"de la prise en compte des ",{"text":446,"type":49,"marks":447},"risques en matière de durabilité",[448],{"type":110},{"text":450,"type":49}," dans les décisions d’investissement et l’impact sur le rendement des produits financiers ;",{"type":312,"content":452},[453],{"type":45,"content":454},[455],{"text":456,"type":49},"des incidences négatives des investissements en matière de durabilité.",{"type":135,"attrs":458,"content":459},{"level":146},[460],{"text":461,"type":49},"2.4 - Examiner les informations publiées par les entités soumises à la NFRD",{"type":45,"content":463},[464,466,472],{"text":465,"type":49},"La ",{"text":467,"type":49,"marks":468},"directive européenne NFRD (Non-Financial reporting directive",[469],{"type":123,"attrs":470},{"href":471,"title":52},"https://www.tresor.economie.gouv.fr/Articles/2020/12/07/une-nouvelle-norme-pour-un-nouveau-capitalisme-l-extra-financier-accelerateur-des-entreprises-responsables",{"text":473,"type":49},") oblige les entreprises d’intérêt public de plus de 500 salariés à communiquer diverses données non financières relatives à leur responsabilité sociétale et à la protection environnementale. En tant que PME, vous accédez à ces données pour les sociétés concernées et pouvez vous faire une opinion sur leurs projets et pratiques.",{"type":135,"attrs":475,"content":476},{"level":146},[477],{"text":478,"type":49},"2.5 - Examiner les informations publiées par les entités soumises à la taxonomie verte",{"type":45,"content":480},[481,483,487],{"text":482,"type":49},"La PME n’est pas soumise pour le moment à cette obligation. En revanche, consulter les informations publiées par les compagnies d’assurance ou les banques concernées par la taxonomie verte relève des ",{"text":484,"type":49,"marks":485},"bonnes pratiques de la finance verte",[486],{"type":110},{"text":488,"type":49},". Cela peut faire partie des critères pour sélectionner les interlocuteurs financiers avec qui travailler.",{"type":135,"attrs":490,"content":491},{"level":229},[492],{"text":493,"type":49},"a - Qu’est-ce que la taxonomie verte ?",{"type":45,"content":495},[496,498,502,504,510],{"text":497,"type":49},"La Commission européenne a publié en mars 2018 son plan d’action en matière de finance durable, avec notamment l’objectif de la neutralité carbone pour 2050. La taxonomie verte (ou taxinomie) en fait partie. Elle définit la ",{"text":499,"type":49,"marks":500},"notion d’activité économique durable",[501],{"type":110},{"text":503,"type":49},". Pour détenir l’appellation « verte », une activité doit répondre à au moins ",{"text":505,"type":49,"marks":506},"un des 6 objectifs prévus par les textes",[507],{"type":123,"attrs":508},{"href":509,"title":52},"https://www.vie-publique.fr/questions-reponses/283166-neutralite-carbone-la-taxonomie-europeenne-en-six-questions",{"text":203,"type":49},{"type":135,"attrs":512,"content":513},{"level":229},[514],{"text":515,"type":49},"b - Obligations en France au 1er janvier 2022 : qui est concerné ?",{"type":45,"content":517},[518,520,524],{"text":519,"type":49},"Début 2022, l’obligation de communiquer les ",{"text":521,"type":49,"marks":522},"indicateurs de durabilité",[523],{"type":110},{"text":525,"type":49}," conformément à l’article 8 du règlement Taxinomie concerne certaines entités d’intérêt public (EIP) déjà soumises à la publication d’informations non financières. Ces sociétés doivent s’y astreindre si elles dépassent les 500 salariés et présentent un chiffre d’affaires de plus de 40 M€ ainsi qu’un total bilan supérieur à 20 M€. Il s’agit des sociétés d’assurance, des établissements de crédit ou sociétés dont les titres sont admis aux négociations sur un marché réglementé.",{"type":135,"attrs":527,"content":528},{"level":146},[529],{"text":530,"type":49},"2.6 - Opter pour un dispositif de transition écologique ou de décarbonation (plan de relance)",{"type":45,"content":532},[533,535,539,541,544],{"text":534,"type":49},"La PME qui recherche des ",{"text":536,"type":49,"marks":537},"actions à mener en faveur de la finance durable",[538],{"type":110},{"text":540,"type":49}," peut aussi se référer au ",{"text":542,"type":49,"marks":543},"plan de relance avec les dispositifs à destination des PME et TPE",[],{"text":545,"type":49},". Il comprend notamment divers volets relatifs à la transition écologique et la décarbonation. 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