{"id":831,"date":"2020-02-09T18:37:40","date_gmt":"2020-02-09T18:37:40","guid":{"rendered":"https:\/\/www.fnfa.dev4.oracastdev.com\/afpn-mecanisme-demprunt\/"},"modified":"2020-08-19T19:23:24","modified_gmt":"2020-08-19T19:23:24","slug":"fnfa-mecanisme-demprunt","status":"publish","type":"page","link":"https:\/\/fnfa.ca\/fr\/pour-les-premieres-nations\/financement\/fnfa-mecanisme-demprunt\/","title":{"rendered":"M\u00e9canisme d\u2019emprunt de la FNFA"},"content":{"rendered":"<div class=\"row cntBlock stackblock\" id=\"stackblock-block_5e29c0cd2a675\">\n\t<div class=\"col-12 col-lg-5 offset-lg-1 order-1 order-lg-2\">\n\t\t<div class=\"stackImg\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/fnfa.ca\/wp-content\/uploads\/2020\/02\/fnfa-borrowing-process.jpg\" alt=\"\" \/>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6 order-2 order-lg-1\">\n\t\t<h3><\/h3>\n\t\t<p><strong>La FNFA re\u00e7oit des demandes de pr\u00eat des Premi\u00e8res Nations<\/strong> qui sont des membres emprunteurs. La FNFA utilise sa facilit\u00e9 de cr\u00e9dit par l\u2019interm\u00e9diaire de son syndicat bancaire pour financer les demandes des membres au besoin. La plupart des pr\u00eats commencent dans le cadre du programme de financement relais (pr\u00eats \u00e0 taux variable qui ne n\u00e9cessitent que des int\u00e9r\u00eats) et passent ensuite \u00e0 des emprunts obligataires \u00e0 taux fixe (qui n\u00e9cessitent \u00e0 la fois des int\u00e9r\u00eats et des remboursements de capital) lorsque la FNFA proc\u00e8de \u00e0 une \u00e9mission d&rsquo;obligations.<\/p>\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"row cntBlock stackblock\" id=\"stackblock-block_5e29c0e12a676\">\n\t<div class=\"col-12 col-lg-5 order-1\">\n\t\t<div class=\"stackImg\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/fnfa.ca\/wp-content\/uploads\/2020\/01\/mask.png\" alt=\"\" \/>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6 offset-lg-1 order-2\">\n\t\t<h3><\/h3>\n\t\t<p><strong>\u00c0 la suite de l\u2019autorisation donn\u00e9e par le conseil d\u2019administration<\/strong> de la FNFA de proc\u00e9der \u00e0 une \u00e9mission d&rsquo;obligations, la FNFA rencontrera son syndicat bancaire qui conseillera sur la volont\u00e9 des investisseurs du march\u00e9 des capitaux \u00e0 pr\u00eater. Lorsque le moment sera venu, la FNFA, par l\u2019interm\u00e9diaire du syndicat bancaire, \u00e9mettra une obligation qui sera achet\u00e9e par les investisseurs.<\/p>\n<p><em>Les obligations de la FNFA sont achet\u00e9es par des investisseurs institutionnels au Canada, aux \u00c9tats-Unis et en Europe.<\/em><\/p>\n\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"row cntBlock col3block\" id=\"col3block-block_5e29c0f02a677\">\n\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Processus de r\u00e9affectation des pr\u00eats<\/h3>\n\t\t\t\t\t\t\t\t<p>Une fois les titres vendus \u00e0 travers le syndicat, les recettes de la vente seront utilis\u00e9es pour rembourser les pr\u00eats-relais de financement ou r\u00e9affect\u00e9es aux membres emprunteurs participants \u00e0 l\u2019\u00e9mission des titres. Pendant la dur\u00e9e de cette \u00e9mission, l\u2019encaisse collect\u00e9e de la part des membres emprunteurs permettra de couvrir les responsabilit\u00e9s de la FNFA envers les d\u00e9tenteurs de l\u2019obligation.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Fonds d\u2019amortissement<\/h3>\n\t\t\t\t\t\t\t\t<p>La politique de la FNFA est de r\u00e9affecter les pr\u00eats sur la base d\u2019un fonds d\u2019amortissement. Un fonds d\u2019amortissement permet de garder constants les paiements du principal et de l\u2019int\u00e9r\u00eat pour le membre emprunteur chaque ann\u00e9e. Le fonds d\u2019amortissement est compos\u00e9 de la portion des paiements du principal collect\u00e9 chez les emprunteurs et qui n\u2019est pas d\u00fb aux investisseurs avant la maturit\u00e9 de l\u2019obligation (g\u00e9n\u00e9ralement 10 ans). Ces liquidit\u00e9s, qui constituent le principal, sont investies au profit du membre emprunteur et servent \u00e0 rembourser le pr\u00eat lorsque celui-ci arrive \u00e0 maturit\u00e9. Les paiements d\u2019int\u00e9r\u00eats per\u00e7us de chaque membre emprunteur sont cependant vers\u00e9s tous les six mois aux investisseurs en d\u00e9bentures. Les membres emprunteurs recevront des relev\u00e9s r\u00e9guliers sur chaque \u00e9mission de d\u00e9bentures \u00e0 laquelle ils participent afin que les registres comptables soient complets.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Fonds de r\u00e9serve pour la dette<\/h3>\n\t\t\t\t\t\t\t\t<p>En plus du fonds d\u2019amortissement, un fonds de r\u00e9serve pour la dette (FRD) est cr\u00e9\u00e9 pour garantir que suffisamment de fonds sont disponibles pour r\u00e9pondre \u00e0 toutes les obligations de capital, d\u2019int\u00e9r\u00eats ou de fonds d\u2019amortissement. Chaque membre emprunteur qui demande un pr\u00eat contribuera, comme condition de participation, \u00e0 un montant \u00e9gal \u00e0 5 % du montant total emprunt\u00e9 au FRD. Le FRD est une garantie essentielle pour que la FNFA obtienne une cote de cr\u00e9dit de cat\u00e9gorie \u00ab\u2009investissement\u2009\u00bb, ce qui signifie des taux d\u2019int\u00e9r\u00eat plus bas pour nos membres emprunteurs. Cette sauvegarde est la premi\u00e8re ligne de d\u00e9fense contre un paiement de pr\u00eat manqu\u00e9 ou insuffisant d\u2019un membre emprunteur de la FNFA. Une fois qu\u2019un membre emprunteur a effectu\u00e9 tous ses paiements de service de pr\u00eat en totalit\u00e9 et que le pr\u00eat est rembours\u00e9, ces 5 % plus les gains sont retourn\u00e9s \u00e0 chaque membre emprunteur.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":843,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"class_list":["post-831","page","type-page","status-publish","hentry"],"acf":{"tagline":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>M\u00e9canisme d\u2019emprunt de la FNFA - 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