{"id":76815,"date":"2022-01-18T11:14:26","date_gmt":"2022-01-18T10:14:26","guid":{"rendered":"https:\/\/smeclimatehub.org\/banques\/"},"modified":"2025-01-18T13:53:33","modified_gmt":"2025-01-18T12:53:33","slug":"banques","status":"publish","type":"page","link":"https:\/\/smeclimatehub.org\/fr\/banques\/","title":{"rendered":"Banques"},"content":{"rendered":"<section id=\"block-6481c233e6d49\"  class=\"hero-section align-content-center bg-image default none\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"text\">\n\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<h1 class=\"wp-block-heading\">Banques<\/h1>\n\n<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"transparent-link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/financial-support\/\">\n\t\t\t\t\t\t<span class=\"icon\">\n\t\t\t\t\t\t\t<svg width=\"20\" height=\"13\" viewBox=\"0 0 20 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t<path d=\"M19.0909 7.81876H3.10379L6.09737 11.1117C6.4524 11.5022 6.4524 12.1354 6.09737 12.5259C5.91986 12.7211 5.68719 12.8188 5.45452 12.8188C5.22186 12.8188 4.98919 12.7211 4.81173 12.5258L0.266273 7.52583C-0.088758 7.13536 -0.088758 6.50216 0.266273 6.11163L4.81173 1.11162C5.1667 0.721155 5.74234 0.721155 6.09737 1.11162C6.4524 1.50209 6.4524 2.13529 6.09737 2.52582L3.10379 5.81876H19.0909C19.593 5.81876 20 6.2665 20 6.81876C20 7.37103 19.593 7.81876 19.0909 7.81876Z\" fill=\"var(--sme-secondary-text-color)\" \/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tRetour \u00e0 la page principale Soutien financier\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<ul class=\"logos\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"112\" height=\"59\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Group-6.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"57\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Master-logo-lock-ups_CISL-BEI-2.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"60\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/bsr-logo-white-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" \/>\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-image\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1440\" height=\"420\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1.png 1440w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-300x88.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-1024x299.png 1024w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1252-1-768x224.png 768w\" sizes=\"(max-width: 1440px) 100vw, 1440px\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div id=\"block-6481c233e6d86\"  class=\"banner-with-image align-content-top no-image pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p class=\"has-text-align-center has-medium-font-size\">De nombreuses banques se sont <a href=\"https:\/\/www.unepfi.org\/net-zero-banking\/members\/\">engag\u00e9es <\/a> \u00e0 atteindre un niveau d\u2019\u00e9missions nettes nulles, y compris dans le cadre de leurs activit\u00e9s de financement. La soci\u00e9t\u00e9 enti\u00e8re exerce une pression croissante pour que les banques int\u00e8grent les \u00e9missions et d\u2019autres consid\u00e9rations de durabilit\u00e9 dans leurs d\u00e9cisions de pr\u00eat et d\u2019investissement. En cons\u00e9quence, certaines banques \u00e9laborent des programmes visant \u00e0 accompagner les entreprises dans leur transition vers une \u00e9conomie d\u00e9carbon\u00e9e, offrant ainsi un soutien financier adapt\u00e9 \u00e0 vos besoins.  <\/p>\n\n\n\n<div id=\"block-6482ead45d0b9\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">Un exemple de financement pr\u00e9f\u00e9rentiel<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">Au Royaume-Uni, le Lloyds Banking Group propose des pr\u00eats \u00e0 taux pr\u00e9f\u00e9rentiel pour financer des projets \u00e9cologiques dans le cadre de son <a href=\"https:\/\/www.lloydsbank.com\/business\/commercial-banking\/clean-growth-financing-initiative.html\">Initiative de financement de la croissance propre<\/a>. D\u00e9nomm\u00e9 pr\u00eat vert, ce dispositif illustre le type de soutien sur mesure que vous pourriez trouver localement pour encourager vos investissements dans des initiatives durables. <\/p>\n\n<\/div><\/div>\n\n\n<div id=\"block-6482ead45d0c8\"  class=\"grouped-paragraph\">\n\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading has-text-align-center\">Qu\u2019est-ce qu\u2019un pr\u00eat vert ?<\/h3>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">Les pr\u00eats verts encouragent les investissements des entreprises dans des actions visant \u00e0 r\u00e9duire leurs \u00e9missions en offrant un taux d\u2019int\u00e9r\u00eat r\u00e9duit.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">\u00c0 mesure que les banques renforcent leurs engagements envers des objectifs d\u2019\u00e9missions nettes nulles, y compris dans leurs activit\u00e9s de pr\u00eat, et que l\u2019on observe que les entreprises durables se r\u00e9v\u00e8lent plus r\u00e9silientes, l\u2019offre de pr\u00eats verts et autres solutions bancaires similaires devrait s\u2019intensifier.<\/p>\n\n<\/div><\/div>\n<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<section id=\"block-6481c233e6f2a\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment row pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\t\t\u00c0 qui parler\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>Dans un premier temps, contactez votre conseiller client\u00e8le ou votre repr\u00e9sentant bancaire local. La personne que vous connaissez le mieux \u00e0 la banque est un bon point de d\u00e9part. Expliquez ce que vous recherchez et les mesures que vous souhaitez prendre pour r\u00e9duire vos \u00e9missions. Si votre interlocuteur ne semble pas \u00eatre en mesure de vous aider efficacement, incitez-le \u00e0 solliciter un coll\u00e8gue mieux inform\u00e9 ou mieux plac\u00e9 pour le faire.   <\/p>\n\n\n\n<p>Explorez les sites Web des banques pour d\u00e9couvrir les offres de financement vert. Cela peut vous aider \u00e0 comprendre les options disponibles pour votre entreprise et, \u00e0 partir de l\u00e0, \u00e0 d\u00e9marrer la conversation avec un repr\u00e9sentant de la banque. <\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"472\" height=\"473\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289.png 472w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-300x300.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-150x150.png 150w\" sizes=\"auto, (max-width: 472px) 100vw, 472px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t<a class=\"button bigger\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/how-to-prepare-for-the-conversation-with-potential-sources-of-financial-support\/\">\n\t\t\t\t\t\tComment se pr\u00e9parer aux conversations\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"block-6481c233e6fb2\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tCe que vous pourriez demander\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>L\u2019objectif est de comprendre ce que la banque propose et, si elle n\u2019offre rien, de citer des exemples de ses concurrents pour leur demander s\u2019ils envisageraient de faire de m\u00eame. Par cons\u00e9quent, les questions cl\u00e9s \u00e0 poser sont les suivantes : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offrez-vous un accompagnement aux entreprises pour r\u00e9duire leur empreinte carbone ? Par exemple: \n<ul class=\"wp-block-list\">\n<li>Soutenir le financement d\u2019investissements dans de nouveaux \u00e9quipements ou de modifications op\u00e9rationnelles visant \u00e0 r\u00e9duire l\u2019empreinte carbone<\/li>\n\n\n\n<li>Des services de conseil qui pourraient aider \u00e0 affiner le plan d\u2019action de r\u00e9duction des \u00e9missions ?<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Quelles informations sur notre plan de r\u00e9duction des \u00e9missions pourraient nous aider \u00e0 acc\u00e9der \u00e0 un financement \u00e0 de meilleures conditions ?<\/li>\n\n\n\n<li>La banque pourrait-elle offrir un appui au fonds de roulement, par exemple sous forme de financement commercial*, de financement adoss\u00e9 \u00e0 des actifs* ou encore de services de gestion de tr\u00e9sorerie*, afin de lib\u00e9rer des ressources permettant de r\u00e9duire nos \u00e9missions ?<\/li>\n<\/ul>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"996\" height=\"432\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca.webp 996w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-300x130.webp 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/11\/wyca-768x333.webp 768w\" sizes=\"auto, (max-width: 996px) 100vw, 996px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"block-6481ce94cf6da\"  class=\"text-attachment-section content-block light-bg white left-side image-attachment heading-left column pt-half pb-half bigger-image\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tExemple de texte que vous pouvez utiliser lorsque vous contactez votre banque.\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"acf-innerblocks-container\">\n\n<p>\u00ab Nous, [entreprise], sommes un client de [nom de la banque] souhaitant explorer les possibilit\u00e9s de soutien que vous pouvez nous proposer pour diminuer nos \u00e9missions et tenir l\u2019engagement pris, par l\u2019interm\u00e9diaire du SME Climate Hub, d\u2019atteindre la neutralit\u00e9 carbone ([lien vers un communiqu\u00e9 de presse relatif \u00e0 votre engagement net z\u00e9ro, si disponible]).<\/p>\n\n\n\n<p>Nous sommes conscients que certaines banques se sont \u00e9galement engag\u00e9es \u00e0 atteindre z\u00e9ro \u00e9mission nette et offrent un soutien aux entreprises, comme la n\u00f4tre, qui cherchent \u00e9galement \u00e0 agir contre le changement climatique. Nous souhaitons \u00e9changer avec un interlocuteur comp\u00e9tent sur les aides que vous pourriez nous fournir. Nous envisageons actuellement d\u2019investir dans [ins\u00e9rer l\u2019investissement en r\u00e9duction des \u00e9missions qui vous int\u00e9resse le plus]. \u00bb Nous serions ravis de discuter de cette opportunit\u00e9 d\u2019investissement et des opportunit\u00e9s d\u2019investissement alternatives que vous jugez pertinentes avec vous-m\u00eame ou avec un membre de votre \u00e9quipe de financement d\u2019entreprise ESG.  <\/p>\n\n\n\n<p><a href=\"https:\/\/smeclimatehub.org\/success-stories\/\">D\u00e9couvrez des entreprises qui ont r\u00e9ussi \u00e0 obtenir un soutien financier<\/a><\/p>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"attachment\">\n\t\t\t\t\t<img decoding=\"async\" width=\"920\" height=\"364\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1.png 920w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-300x119.png 300w, https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/Rectangle-1289-1-768x304.png 768w\" sizes=\"auto, (max-width: 920px) 100vw, 920px\" \/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"block-6481ce94cf7b3\"  class=\"financial-support-section content-block light-bg white heading-center pt-half pb-half\">\n\t<div class=\"container\">\n\t\t<div class=\"content\">\n\t\t\t<div class=\"heading\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\t\tAutres sources de financement disponibles\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"acf-innerblocks-container\">\n\t<div id=\"block-6481ce94cf8ee\"  class=\"blocks\">\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tClients (acheteurs)\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/customers-buyers\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tSubventions et autres formes d\u2019aide gouvernementale\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/grants-and-other-government-support\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"block\">\n\t\t\t\t<div class=\"inner content-block\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"title\">\n\t\t\t\t\t\t\tBilan et investisseurs\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"link\" target=\"_self\" href=\"https:\/\/smeclimatehub.org\/balance-sheet-and-investors\/\">\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n<\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n<section id=\"block-646dd71e01d2b\"  data-target=\"financial_table\" class=\"financial-support-table-section content-block white light-bg heading-center pt-full pb-full\">\n\t<div class=\"container\">\n\t\t<div class=\"content-block\">\n\t\t\t\t\t\t\t<h2 class=\"title-section\">\n\t\t\t\t\tSources potentielles de soutien financier \u2013 tableau r\u00e9capitulatif\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"table-wrapper custom-scroll\">\n\t\t\t\t\t<div class=\"table\">\n\t\t\t\t\t\t<table data-target=\"table\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tPartie prenante\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tMotivation pour fournir un soutien financier\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExemples de soutien financier pouvant \u00eatre disponible\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t\t\t\tExemples de personnes \u00e0 qui vous pourriez vous adresser pour v\u00e9rifier si un soutien est disponible\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fr\/customers-buyers\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"45\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/customers-buyers-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tClients (acheteurs)\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Engagements climatiques des entreprises incluant la r\u00e9duction des \u00e9missions de leur cha\u00eene d\u2019approvisionnement<\/li>\n<li>Renforcement de la r\u00e9silience de leur cha\u00eene d\u2019approvisionnement face aux nouvelles politiques visant \u00e0 lutter contre le changement climatique ou \u00e0 att\u00e9nuer ses effets<\/li>\n<li>Protection de la cha\u00eene d\u2019approvisionnement de l\u2019augmentation contre les co\u00fbts associ\u00e9s au carbone, comme l\u2019\u00e9nergie \u00ab sale \u00bb<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Am\u00e9lioration des conditions d\u2019achat, par exemple en r\u00e9duisant les d\u00e9lais de recouvrement pour optimiser le fonds de roulement des petites entreprises<\/li>\n<li>Acc\u00e8s \u00e0 un financement de factures pr\u00e9f\u00e9rentiel (par exemple, emprunter sur des bons de commande en cours pour acc\u00e9der aux fonds plus rapidement)<\/li>\n<li>Conseil et accompagnement<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Repr\u00e9sentant des achats<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fr\/banks\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"47\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/banks-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanques\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Engagements des banques pour aider leurs clients \u00e0 r\u00e9duire leurs \u00e9missions<\/li>\n<li>R\u00e9duction des risques et de l\u2019empreinte carbone associ\u00e9s aux pr\u00eats bancaires<\/li>\n<li>Renforcement des relations et cr\u00e9ation de nouvelles opportunit\u00e9s commerciales<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Solutions de fonds de roulement, par exemple financement du commerce<\/li>\n<li>Pr\u00eats pour les investissements qui r\u00e9duisent les \u00e9missions<\/li>\n<li>Calculateurs d\u2019\u00e9missions et conseils<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Responsable des relations<\/li>\n<li>Sp\u00e9cialiste sectoriel (ex : transport)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fr\/grants-and-other-government-support\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/grants-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tSubventions et autres formes d\u2019aide gouvernementale\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Objectifs locaux, nationaux et internationaux pour lutter contre le changement climatique<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Subventions pour encourager l\u2019investissement dans la r\u00e9duction des \u00e9missions<\/li>\n<li>Pr\u00eats \u00e0 prix r\u00e9duits distribu\u00e9s par une banque de d\u00e9veloppement, telle que KfW<\/li>\n<li>Acc\u00e8s aux investisseurs ou autres sources de financement d\u00e9di\u00e9es \u00e0 l\u2019action climatique<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Comptable<\/li>\n<li>Responsable local de l\u2019entreprise<\/li>\n<li>Municipalit\u00e9 locale<\/li>\n<li>Banque<\/li>\n<li>ONG offrant un soutien financier dans votre r\u00e9gion<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<tr  data-link=\"https:\/\/smeclimatehub.org\/fr\/balance-sheet-and-investors\/\" data-target=\"pseudo_link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"48\" height=\"47\" src=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/balanceSheets-investors-1.svg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tBilan et investisseurs\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>R\u00e9duction des co\u00fbts op\u00e9rationnels<\/li>\n<li>Optimisation du positionnement commercial de l\u2019entreprise, par exemple en s\u2019alignant sur les politiques climatiques des acheteurs<\/li>\n<li>Objectifs climatiques des investisseurs<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Autofinancement via le bilan, qu\u2019il s\u2019agisse de liquidit\u00e9s ou de la vente d\u2019actifs<\/li>\n<li>Investissement additionnel d\u2019un actionnaire sous forme de fonds propres<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul>\n<li>Comptable<\/li>\n<li>Actionnaires actuels<\/li>\n<li>Investisseurs potentiels<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/table>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"button-wrapper\">\n\t\t\t\t\t\t<a class=\"button bigger\" download href=\"https:\/\/smeclimatehub.org\/wp-content\/uploads\/2023\/10\/table.png\">T\u00e9l\u00e9chargez le r\u00e9sum\u00e9 de la page<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1320,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-76815","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<title>Banques - SME Climate Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, 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