{"id":290,"date":"2020-11-19T09:58:07","date_gmt":"2020-11-19T08:58:07","guid":{"rendered":"https:\/\/newscovid.capec.fr\/?p=290"},"modified":"2021-03-02T13:13:45","modified_gmt":"2021-03-02T12:13:45","slug":"un-plan-de-relance-pour-les-associations","status":"publish","type":"post","link":"https:\/\/newscovid.capec.fr\/index.php\/2020\/11\/19\/un-plan-de-relance-pour-les-associations\/","title":{"rendered":"Un plan de relance pour les associations"},"content":{"rendered":"\n<p><strong>Les pouvoirs publics souhaitent aider les associations \u00e0 renforcer leur tr\u00e9sorerie et leurs fonds propres.<\/strong> En effet, le gouvernement d\u00e9bloque plusieurs millions d\u2019euros afin de leur venir en aide en cette p\u00e9riode de crise sanitaire et \u00e9conomique. <\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Voici le d\u00e9tail des mesures annonc\u00e9es.<\/p>\n\n\n\n<h2 class=\"has-vivid-red-color has-text-color\">Soutenir la tr\u00e9sorerie<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Les <strong>associations<\/strong> qui <strong>cr\u00e9ent ou consolident des emplois<\/strong> se voient octroyer, sur les\u00a02\u00a0prochaines ann\u00e9es, <strong>45\u00a0millions d\u2019euros d\u2019aide \u00e0 la tr\u00e9sorerie distribu\u00e9s par\u00a0<a href=\"https:\/\/www.franceactive.org\/nous-contacter\/\" target=\"_blank\" rel=\"noreferrer noopener\">France Active<\/a><\/strong>. Sachant qu\u2019une attention particuli\u00e8re est port\u00e9e aux associations qui recherchent un <strong>impact social, territorial ou \u00e9cologique.<\/strong><\/p>\n\n\n\n<p>Le financement de France Active se concr\u00e9tise dans&nbsp;:<\/p>\n\n\n\n<ul><li>D<strong>es pr\u00eats \u00ab\u00a0Rel\u00e8ve Solidaire\u00a0\u00bb<\/strong> sans int\u00e9r\u00eats permettant de b\u00e9n\u00e9ficier de\u00a0100\u00a0000\u00a0\u20ac au plus et remboursables sur une dur\u00e9e de\u00a012 \u00e0\u00a018\u00a0mois\u00a0;<\/li><li><strong>Des contrats d\u2019apport sans int\u00e9r\u00eats<\/strong> pour\u00a030\u00a0000\u00a0\u20ac maximum \u00e0 rembourser sur\u00a05\u00a0ans (au terme ou en plusieurs annuit\u00e9s apr\u00e8s un diff\u00e9r\u00e9 d\u2019amortissement d\u2019au moins\u00a01\u00a0an)\u00a0;<\/li><li><strong>Des pr\u00eats participatifs \u00e0 un taux de\u00a02\u00a0%<\/strong>, remboursables sur 5\u00a0\u00e0 7\u00a0ans et assortis d\u2019un diff\u00e9r\u00e9 d\u2019amortissement jusqu\u2019\u00e0\u00a02\u00a0ans.<\/li><\/ul>\n\n\n\n<p>De plus, les associations qui r\u00e9am\u00e9nagent leurs pr\u00eats bancaires b\u00e9n\u00e9ficient d\u2019un <strong>maintien de la garantie de France Active pendant\u00a012\u00a0mois maximum.<\/strong> Cela concerne<strong> les secteurs de la culture, du tourisme et des caf\u00e9s-h\u00f4tels-restaurants.<\/strong> Les autres secteurs auront ce maintien pour une p\u00e9riode de<strong> \u00a06\u00a0mois maximum.<\/strong><\/p>\n\n\n\n<p><em><strong>\u00c0 noter :<\/strong>\u00a0France Active offre aussi aux associations un appui pour \u00e9valuer la situation, d\u00e9finir une feuille de route pour la relance et construire une strat\u00e9gie financi\u00e8re. De plus, cet organisme peut \u00e9galement orienter les associations vers des aides et dispositifs adapt\u00e9s \u00e0 leurs besoins.<\/em><\/p>\n\n\n\n<h2 class=\"has-vivid-red-color has-text-color\">Renforcer les fonds propres<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>La&nbsp;<a href=\"http:\/\/www.banquedesterritoires.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banque des territoires<\/a>&nbsp;mobilise&nbsp;40&nbsp;millions d\u2019euros afin de <strong>renforcer les fonds propres des associations ayant une activit\u00e9 \u00e9conomique depuis plus de&nbsp;2&nbsp;ans.<\/strong><\/p>\n\n\n\n<p>Concr\u00e8tement,<strong> les associations int\u00e9ress\u00e9es \u00e9mettent des obligations associatives <\/strong>(titre associatif, obligation associative, pr\u00eat subordonn\u00e9 \u00e0 int\u00e9r\u00eat participatif) auxquelles la Banque des territoires et ses partenaires (fonds d\u2019investissement \u00e0 impact, gestionnaires d\u2019\u00e9pargne salariale solidaire, etc.) souscrivent <strong>apr\u00e8s analyse des projets<\/strong>.<\/p>\n\n\n\n<p><em><strong>\u00c0 noter :<\/strong>&nbsp;l\u2019obligation est r\u00e9mun\u00e9r\u00e9e \u00e0 un taux d\u2019int\u00e9r\u00eat annuel variant, selon le risque, entre 2&nbsp;% et 4,5&nbsp;%. Le remboursement au souscripteur intervient au terme d\u2019une dur\u00e9e comprise entre&nbsp;5 et 10&nbsp;ans.<\/em><\/p>\n\n\n\n<p>Toutefois, quelques <strong>conditions <\/strong>sont exig\u00e9es pour b\u00e9n\u00e9ficier de ce financement et notamment\u00a0:<\/p>\n\n\n\n<ul><li>l\u2019association doit exister depuis <strong>au moins 5 ans et employer au moins 10&nbsp;salari\u00e9s&nbsp;;<\/strong><\/li><li>ses produits d\u2019exploitation sont <strong>sup\u00e9rieurs \u00e0 5&nbsp;millions d\u2019euros par an et 75&nbsp;% maximum sont issus de subventions&nbsp;;<\/strong><\/li><li>le montant de l\u2019\u00e9mission est d\u2019<strong>au moins un million d\u2019euro<\/strong>.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><em><strong>Pr\u00e9cision :<\/strong>\u00a0les associations doivent \u00eatre en mesure de d\u00e9finir :<\/em><\/p>\n\n\n\n<ul><li><em>leur strat\u00e9gie de d\u00e9veloppement, <\/em><\/li><li><em>leurs enjeux<\/em>,<\/li><li><em>leurs moyens <\/em><\/li><\/ul>\n\n\n\n<p><em>Cela afin de d\u00e9gager suffisamment de tr\u00e9sorerie pour payer les int\u00e9r\u00eats annuels puis rembourser le titre au souscripteur.<\/em><\/p>\n\n\n\n<p><em>Article publi\u00e9 le&nbsp;16 novembre 2020&nbsp;&#8211;&nbsp;\u00a9&nbsp;&nbsp;Les Echos Publishing&nbsp;&#8211;&nbsp;2020<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les pouvoirs publics souhaitent aider les associations \u00e0 renforcer leur tr\u00e9sorerie et leurs fonds propres. En effet, le gouvernement d\u00e9bloque plusieurs millions d\u2019euros afin de leur venir en aide en cette p\u00e9riode de crise sanitaire et \u00e9conomique.<\/p>\n","protected":false},"author":1,"featured_media":292,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[30],"tags":[40,42,41,43],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.2.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Un plan de relance a \u00e9t\u00e9 d\u00e9cid\u00e9 pour venir en aide aux associations<\/title>\n<meta name=\"description\" content=\"Pour aider les associations \u00e0 renforcer leur tr\u00e9sorerie et leurs fonds propres. 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