{"id":20396,"date":"2026-09-09T15:01:32","date_gmt":"2026-09-09T19:01:32","guid":{"rendered":"https:\/\/faircanada.ca\/?post_type=article&#038;p=20396"},"modified":"2026-09-10T15:02:08","modified_gmt":"2026-09-10T19:02:08","slug":"ressource-sur-le-pret-de-titres","status":"publish","type":"article","link":"https:\/\/faircanada.ca\/fr\/article\/ressource-sur-le-pret-de-titres\/","title":{"rendered":"Ressource sur le pr\u00eat de titres"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates un investisseur autonome, vous avez peut-\u00eatre remarqu\u00e9 une nouvelle option qui vous permet de pr\u00eater vos titres et de g\u00e9n\u00e9rer des revenus.<a href=\"https:\/\/www.ocri.ca\/bureau-des-investisseurs\/principes-de-base-en-matiere-de-placement\/pret-de-titres-entierement-payes\" rel=\"noreferrer noopener\" target=\"_blank\">&nbsp;Cet article du Bureau des investisseurs de l\u2019OCRI<\/a>&nbsp;explique la nature du pr\u00eat de titres et pr\u00e9sente les risques que les investisseurs doivent conna\u00eetre avant de s&#8217;engager.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le pr\u00eat de titres consiste pour un investisseur \u00e0 pr\u00eater temporairement ses actions \u00e0 d&#8217;autres investisseurs, g\u00e9n\u00e9ralement \u00e0 des fins de vente \u00e0 d\u00e9couvert. Vous restez propri\u00e9taire des actions, mais quelqu\u2019un d\u2019autre les emprunte en coulisses. En contrepartie, vous pouvez recevoir une r\u00e9mun\u00e9ration. M\u00eame si cela est susceptible de g\u00e9n\u00e9rer un revenu suppl\u00e9mentaire, il existe des risques importants \u00e0 prendre en compte :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La participation est volontaire : Votre courtier en placement doit obtenir votre consentement avant de pr\u00eater vos actions.<\/li>\n\n\n\n<li>Risque de perte : Si l\u2019emprunteur fait d\u00e9faut ou si votre courtier devient insolvable, vous pourriez ne pas r\u00e9cup\u00e9rer vos actions et avoir un acc\u00e8s limit\u00e9 \u00e0 la garantie couvrant le pr\u00eat.<\/li>\n\n\n\n<li>Aucune couverture d\u2019assurance : Le Fonds canadien de protection des investisseurs (FCPI) ne couvre pas les actions pr\u00eat\u00e9es.<\/li>\n\n\n\n<li>Incidence sur les dividendes : Si les actions que vous d\u00e9tenez versent un dividende, vous recevez plut\u00f4t un paiement en esp\u00e8ces de remplacement, ce qui peut avoir des incidences fiscales.<\/li>\n\n\n\n<li>Absence de droits de vote : Vous ne pouvez pas voter sur les questions relatives \u00e0 l\u2019entreprise tant que vos actions sont pr\u00eat\u00e9es.<\/li>\n\n\n\n<li>Le partage des revenus peut manquer de clart\u00e9 : Les courtiers utilisent diff\u00e9rentes fa\u00e7ons de r\u00e9partir avec leurs clients les revenus tir\u00e9s du pr\u00eat de titres. Il peut \u00eatre difficile de d\u00e9terminer si les honoraires que vous recevez sont \u00e9quitables.<\/li>\n\n\n\n<li>Conflits d\u2019int\u00e9r\u00eats : Les courtiers per\u00e7oivent des honoraires en pr\u00eatant les actions de leurs clients, ce qui les incite \u00e0 promouvoir cette pratique, m\u00eame lorsque les risques pour les investisseurs peuvent l\u2019emporter sur les avantages.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Si vous \u00eates un investisseur autonome, vous avez peut-\u00eatre remarqu\u00e9 une nouvelle option qui vous permet de pr\u00eater vos titres<\/p>\n","protected":false},"featured_media":20395,"template":"","tags":[],"articles_category":[759],"articles_date":[834],"class_list":["post-20396","article","type-article","status-publish","has-post-thumbnail","hentry","articles_category-outils-a-utiliser","articles_date-septembre-2026"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v26.9) - 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