{"id":189,"date":"2018-11-11T11:25:45","date_gmt":"2018-11-11T11:25:45","guid":{"rendered":"http:\/\/fincley.com\/old2023\/?p=189"},"modified":"2021-04-16T09:51:57","modified_gmt":"2021-04-16T09:51:57","slug":"mise-en-perspective-de-fincley-par-les-agefi-actifs-suite-a-letude-de-place-realisee-sur-dda-lecture-heterogene-de-la-dda-par-les-distributeurs-dassurance-vie","status":"publish","type":"post","link":"https:\/\/fincley.com\/old2023\/mise-en-perspective-de-fincley-par-les-agefi-actifs-suite-a-letude-de-place-realisee-sur-dda-lecture-heterogene-de-la-dda-par-les-distributeurs-dassurance-vie\/","title":{"rendered":"<strong> Mise en perspective de Fincley par les AGEFI Actifs suite \u00e0 l\u2019\u00e9tude de place r\u00e9alis\u00e9e sur DDA \u00ab\u00a0Lecture h\u00e9t\u00e9rog\u00e8ne de la DDA par les distributeurs d\u2019assurance vie\u00a0\u00bb <\/strong>"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2  fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:0px;width:48%; margin-right: 4%;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><h3>Les \u00e9carts d\u2019interpr\u00e9tation de la directive se cristallisent autour de la gouvernance et la surveillance de produits.<\/h3>\n<p>La mise en application de la DDA laisse \u00e0 voir un bilan mitig\u00e9. Une nouvelle \u00e9tude d\u2019impact publi\u00e9e par Fincley Consulting\u00a0[1] met en lumi\u00e8re les zones d\u2019ombres de l\u2019ordonnance qui cr\u00e9ent des disparit\u00e9s quant au traitement des cinq piliers de la r\u00e9glementation par les acteurs professionnels.<br \/>\nLes distributeurs consid\u00e8rent largement (81% des interrog\u00e9s) ne pas \u00eatre en possession des donn\u00e9es n\u00e9cessaires pour satisfaire \u00e0 l\u2019obligation d\u2019information des clients sur les frais et co\u00fbts r\u00e9els. Pour 50% d\u2019entre eux, les KID Priips ne sont pas suffisants pour informer des co\u00fbts et frais agr\u00e9g\u00e9s et 67% des r\u00e9pondants estiment que la ligne \u00ab\u00a0autre frais\u00a0\u00bb du KID n\u2019inclut pas les co\u00fbts suppl\u00e9mentaires \u00e9ventuels \u00e9voqu\u00e9s par l\u2019ordonnance de transposition.<\/p>\n<p>Cot\u00e9 devoir de conseil, la r\u00e9ponse des distributeurs est relativement homog\u00e8ne puisque 83 % des r\u00e9pondants\u00a0utilisent un service de recommandation personnalis\u00e9e. M\u00eame constat pour la d\u00e9finition des march\u00e9s cibles\u00a0: 94% du panel anticipent des march\u00e9s cibles tr\u00e8s larges alors que 62 % pr\u00e9voient un empi\u00e9tement des producteurs sur le devoir de conseil du distributeur, en cas de march\u00e9s tr\u00e8s resserr\u00e9s.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2  fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:0px;width:48%'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" src=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA.jpg\" width=\"1200\" height=\"752\" alt=\"\" title=\"Publications&#8212;Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA\" class=\"img-responsive wp-image-270\" srcset=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA-200x125.jpg 200w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA-400x251.jpg 400w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA-600x376.jpg 600w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA-800x501.jpg 800w, https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2018\/11\/Publications-Mise-en-perspective-de-Fincley-par-les-EGEFI-Actifs-suite-a\u0300-l\u2019e\u0301tude-de-place-re\u0301alise\u0301e-sur-DDA.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 600px\" \/><\/span><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1  fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p>Les \u00e9carts d\u2019interpr\u00e9tation de la directive se cristallisent autour de la gouvernance et la surveillance des produits. La majorit\u00e9 (60 % des acteurs) appliqueront la DDA aux produits lanc\u00e9s apr\u00e8s le 1er octobre 2018 et aux produits pr\u00e9existants adapt\u00e9s de mani\u00e8res significatives. Une part non n\u00e9gligeable d\u2019entre eux (27%) adoptent un p\u00e9rim\u00e8tre tr\u00e8s large en appliquant la DDA \u00e0 tous les produits, alors que 13 % se cantonnent aux produits lanc\u00e9s apr\u00e8s le 13 octobre 2018.<br \/>\nLes sources de conflits d\u2019int\u00e9r\u00eats, selon le verbatim des interrog\u00e9s, ne sont pas clairement identifi\u00e9es dans la DDA, ce qui donne lieu \u00e0 une d\u00e9finition disparate des r\u00e9mun\u00e9rations compatibles avec les dispositions de l\u2019ordonnance.<br \/>\nEnfin, les 15 heures de formation exig\u00e9es par la DDA, applicable en f\u00e9vrier 2019, sont report\u00e9es pour la majorit\u00e9 \u00e0 2019.<\/p>\n<p>[1] Etude men\u00e9e par le cabinet Fincley Consulting, aupr\u00e8s d\u2019un panel de 17 acteurs majeurs de la distribution d\u2019assurance vie dont CIC banque priv\u00e9e, BNP Paribas banque priv\u00e9e et Natixis Wealth Management<\/p>\n<\/div><div class=\"fusion-button-wrapper fusion-alignleft\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-button.button-1 .fusion-button-text, .fusion-button.button-1 i {color:#ffffff;}.fusion-button.button-1 {border-width:0px;border-color:#ffffff;}.fusion-button.button-1 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-1:hover .fusion-button-text, .fusion-button.button-1:hover i,.fusion-button.button-1:focus .fusion-button-text, .fusion-button.button-1:focus i,.fusion-button.button-1:active .fusion-button-text, .fusion-button.button-1:active{color:#ffffff;}.fusion-button.button-1:hover, .fusion-button.button-1:focus, .fusion-button.button-1:active{border-width:0px;border-color:#ffffff;}.fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-1{width:auto;}<\/style><a class=\"fusion-button button-flat fusion-button-square button-medium button-default button-1\" target=\"_self\" href=\"https:\/\/www.agefiactifs.com\/assurance-vie\/article\/lecture-heterogene-de-la-dda-par-les-distributeurs-82161 \"><span class=\"fusion-button-text\">Visiter le site<\/span><\/a><\/div><div class=\"fusion-button-wrapper fusion-alignleft\"><style type=\"text\/css\" scoped=\"scoped\">.fusion-button.button-2 .fusion-button-text, .fusion-button.button-2 i {color:#ffffff;}.fusion-button.button-2 {border-width:0px;border-color:#ffffff;}.fusion-button.button-2 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-2:hover .fusion-button-text, .fusion-button.button-2:hover i,.fusion-button.button-2:focus .fusion-button-text, .fusion-button.button-2:focus i,.fusion-button.button-2:active .fusion-button-text, .fusion-button.button-2:active{color:#ffffff;}.fusion-button.button-2:hover, .fusion-button.button-2:focus, .fusion-button.button-2:active{border-width:0px;border-color:#ffffff;}.fusion-button.button-2:hover .fusion-button-icon-divider, .fusion-button.button-2:hover .fusion-button-icon-divider, .fusion-button.button-2:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-2{width:auto;}<\/style><a class=\"fusion-button button-flat fusion-button-square button-medium button-default button-2\" target=\"_self\" href=\"https:\/\/fincley.com\/old2023\/wp-content\/uploads\/2019\/01\/2018_LAgefi-Actifs_Lecture-he\u0301te\u0301roge\u0300ne-de-la-DDA-par-les-distributeurs-dassurances-vie.pdf\"><span class=\"fusion-button-text\">T\u00e9l\u00e9charger en PDF<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":356,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts\/189"}],"collection":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/comments?post=189"}],"version-history":[{"count":0,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/posts\/189\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/media\/356"}],"wp:attachment":[{"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/media?parent=189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/categories?post=189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fincley.com\/old2023\/wp-json\/wp\/v2\/tags?post=189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}