{"id":3500,"date":"2025-03-28T14:10:36","date_gmt":"2025-03-28T13:10:36","guid":{"rendered":"https:\/\/www.feodus-finance.fr\/defiscalisation\/?p=3500"},"modified":"2025-03-28T14:11:06","modified_gmt":"2025-03-28T13:11:06","slug":"gestion-actifs-directive","status":"publish","type":"post","link":"https:\/\/www.feodus-finance.fr\/defiscalisation\/gestion-actifs-directive\/","title":{"rendered":"Gestion d&#8217;actifs : qu&#8217;est-ce-que la Directive DORA?"},"content":{"rendered":"\n<p class=\"has-medium-font-size wp-block-paragraph\">La <strong>directive DORA<\/strong> (<strong>Digital Operational Resilience Act<\/strong>) est un <strong>r\u00e8glement europ\u00e9en<\/strong> adopt\u00e9 en <strong>novembre 2022<\/strong>, qui vise \u00e0 renforcer la <strong>r\u00e9silience op\u00e9rationnelle num\u00e9rique<\/strong> du secteur financier, y compris dans la <strong>gestion d\u2019actifs<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les objectifs vis\u00e9s par DORA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">DORA ne traite pas de la stabilit\u00e9 financi\u00e8re classique, mais plut\u00f4t de la <strong>capacit\u00e9 des acteurs financiers \u00e0 r\u00e9sister et \u00e0 se remettre des incidents li\u00e9s aux technologies de l&#8217;information et de la communication (TIC)<\/strong>, comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>des cyberattaques,<\/li>\n\n\n\n<li>des pannes informatiques,<\/li>\n\n\n\n<li>ou des d\u00e9faillances de prestataires technologiques (cloud, etc.).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les secteurs concern\u00e9s ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La directive s\u2019applique \u00e0 <strong>presque tous les acteurs du secteur financier<\/strong>, notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les soci\u00e9t\u00e9s de <a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/assurance-vie-allocation-actifs-uc-fonds-euros-2\/\">gestion d\u2019actifs<\/a>,<\/li>\n\n\n\n<li>Les banques,<\/li>\n\n\n\n<li>Les compagnies d&#8217;assurance,<\/li>\n\n\n\n<li>Les prestataires de services sur<a href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/cryptomonnaie-controle-fiscal-loi-finances-2025\/\"> crypto-actifs<\/a> (PSAN),<\/li>\n\n\n\n<li>Les infrastructures de march\u00e9 (chambres de compensation, Bourses&#8230;),<\/li>\n\n\n\n<li>Et m\u00eame certains <strong>prestataires tiers de services TIC<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&#8217;est-ce que couvre DORA ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gestion des risques li\u00e9s aux TIC<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chaque entreprise doit identifier, classer et g\u00e9rer les risques num\u00e9riques.<\/li>\n\n\n\n<li>Elle doit adopter des politiques de s\u00e9curit\u00e9, de gestion des incidents, de sauvegarde, etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Surveillance et tests<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des tests r\u00e9guliers (ex : tests de p\u00e9n\u00e9tration) pour \u00e9valuer la capacit\u00e9 \u00e0 faire face \u00e0 des cybermenaces.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reporting des incidents<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obligation de notifier rapidement les incidents majeurs aux autorit\u00e9s comp\u00e9tentes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gestion des tiers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les relations avec les fournisseurs technologiques (cloud, logiciels, services IT\u2026) doivent \u00eatre <strong>document\u00e9es, encadr\u00e9es et surveill\u00e9es<\/strong>.<\/li>\n\n\n\n<li>Possibilit\u00e9 pour les autorit\u00e9s d\u2019intervenir en cas de d\u00e9pendance critique \u00e0 un prestataire.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coordination europ\u00e9enne<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une supervision \u00e0 l\u2019\u00e9chelle de l\u2019UE est pr\u00e9vue, notamment via l\u2019<strong>ESMA<\/strong>, l\u2019<strong>EBA<\/strong> et l\u2019<strong>EIOPA<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Entr\u00e9e en vigueur de DORA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e8glement DORA <strong>est entr\u00e9 en application le 17 janvier 2025<\/strong>, et <strong>n\u2019exige pas de transposition nationale<\/strong> puisqu\u2019il s\u2019agit d\u2019un <strong>r\u00e8glement europ\u00e9en directement applicable<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La directive DORA (Digital Operational Resilience Act) est un r\u00e8glement europ\u00e9en adopt\u00e9 en novembre 2022, qui vise \u00e0 renforcer la r\u00e9silience op\u00e9rationnelle num\u00e9rique du secteur financier, y compris dans la gestion d\u2019actifs. Les objectifs vis\u00e9s par DORA DORA ne traite pas de la stabilit\u00e9 financi\u00e8re classique, mais plut\u00f4t de la capacit\u00e9 des acteurs financiers \u00e0 &#8230; <a title=\"Gestion d&#8217;actifs : qu&#8217;est-ce-que la Directive DORA?\" class=\"read-more\" href=\"https:\/\/www.feodus-finance.fr\/defiscalisation\/gestion-actifs-directive\/\" aria-label=\"En savoir plus sur Gestion d&#8217;actifs : qu&#8217;est-ce-que la Directive DORA?\">Lire plus<\/a><\/p>\n","protected":false},"author":2,"featured_media":1752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[279,278,280],"class_list":["post-3500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite-de-la-finance","tag-directive","tag-gestion-dactifs","tag-securite-informatique","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Gestion d&#039;actifs : qu&#039;est-ce-que la Directive DORA? 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Dipl\u00f4m\u00e9 d\u2019une Ecole Sup\u00e9rieure de Commerce, avec une sp\u00e9cialisation en Finance, il a exerc\u00e9 plusieurs m\u00e9tiers au sein de la banque anglo-saxonne HSBC, plus sp\u00e9cifiquement dans les divisions Banque d\u2019investissement &amp; de march\u00e9 - Corporate Investment Banking &amp; Markets (CIBM). Un parcours pluridisciplinaire, qui l\u2019a conduit sur des fonctions commerciales (Relationship management sur des portefeuilles de grande client\u00e8le institutionnelle \u00e0 l\u2019international), de management, d\u2019analyse financi\u00e8re, de finance et de contr\u00f4le de gestion en passant par des mandats de cr\u00e9ation de d\u00e9partement et de gouvernance de projet de rationalisation. David dispose de tous les agr\u00e9ments n\u00e9cessaires aux m\u00e9tiers du conseil en gestion de patrimoine, s\u2019agissant de professions r\u00e9glement\u00e9es : il est Conseiller en Investissement Financier (CIF), Courtier en Op\u00e9rations de Banque &amp; Services de Paiement (COBSP), Courtier en Op\u00e9rations d\u2019Assurance (COA) et b\u00e9n\u00e9ficie de la carte professionnelle immobili\u00e8re pour les Transactions sur Immeubles &amp; Fonds de commerce.","url":"https:\/\/www.feodus-finance.fr\/defiscalisation\/author\/david-morisse\/"}]}},"_links":{"self":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/3500","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/comments?post=3500"}],"version-history":[{"count":1,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/3500\/revisions"}],"predecessor-version":[{"id":3501,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/posts\/3500\/revisions\/3501"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/media\/1752"}],"wp:attachment":[{"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/media?parent=3500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/categories?post=3500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.feodus-finance.fr\/defiscalisation\/wp-json\/wp\/v2\/tags?post=3500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}