{"id":614,"date":"2023-12-13T13:48:13","date_gmt":"2026-05-11T15:07:10","guid":{"rendered":"https:\/\/younited.com\/partners\/support\/garantie-investissement\/"},"modified":"2026-06-10T13:53:21","modified_gmt":"2026-06-10T13:53:21","slug":"garantie-investissement","status":"publish","type":"support","link":"https:\/\/younited.com\/partners\/fr\/support\/garantie-investissement\/","title":{"rendered":"Quel niveau de garantie est apport\u00e9 par Younited Credit ?"},"content":{"rendered":"<p><strong>Le niveau de garantie diff\u00e8re selon le produit d&#8217;investissement.<\/strong><\/p>\n<p><strong>&#8211; Les comptes \u00e0 terme sont des placements\u00a0garantis par Younited (en capital et en int\u00e9r\u00eats), et \u00e9ligible au <\/strong><a href=\"https:\/\/www.garantiedesdepots.fr\/fr\/mission-du-fgdr\"><strong>Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution<\/strong><\/a><strong>\u00a0(\u00e0 hauteur de 100 000 euros)<\/strong><\/p>\n<p><strong>&#8211; Les parts de fonds commun de titrisation (FCT)\u00a0ne sont pas garantis\u00a0(en capital et en int\u00e9r\u00eats).<\/strong><\/p>\n<p><strong>Concernant les parts de fonds commun de titrisation (FCT) :<\/strong><\/p>\n<p>Le placement n&#8217;est pas garanti, et le niveau de performance du produit d\u00e9pend du remboursement des cr\u00e9ances pr\u00e9sentes \u00e0 l&#8217;actif des fonds.<\/p>\n<p>N\u00e9anmoins, Younited a mis en place une stricte politique de gestion du risque, afin de s&#8217;assurer de la qualit\u00e9 des emprunteurs financ\u00e9s, et par voie de cons\u00e9quence, du rendement du produit.<\/p>\n<p>Dans le cadre de la gestion du risque, Younited Credit a notamment mis en place les 3 m\u00e9canismes suivants:<br \/>\n1\u00b0 &#8211; une stricte s\u00e9lection des Emprunteurs, avec un mod\u00e8le de score et une politique d&#8217;octroi bas\u00e9es sur les meilleures pratiques<br \/>\n2\u00b0 &#8211; une politique rigoureuse de recouvrement des impay\u00e9s<br \/>\n3\u00b0 &#8211; la mise en place d\u2019un syst\u00e8me de mutualisation permettant de r\u00e9partir les impay\u00e9s des Emprunteurs sur l&#8217;ensemble des Investisseurs (fonctionnement par &#8220;fonds&#8221;)<\/p>\n","protected":false},"template":"","category_faq":[],"target":[358],"class_list":["post-614","support","type-support","status-publish","hentry","target-investisseurs"],"acf":[],"yoast_head":"<title>Quel niveau de garantie est apport\u00e9 par Younited Credit ? 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