{"id":5542,"date":"2025-09-03T17:36:45","date_gmt":"2025-09-03T15:36:45","guid":{"rendered":"https:\/\/www.commandstrategy.com\/?p=5542"},"modified":"2026-01-08T10:31:30","modified_gmt":"2026-01-08T09:31:30","slug":"risques-climatiques","status":"publish","type":"post","link":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/","title":{"rendered":"Les risques climatiques"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756923884920{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1738663616915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1756991330445{margin-top: 0% !important;margin-bottom: 3% !important;border-top-width: 0% !important;border-bottom-width: 1% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<h2 style=\"text-align: justify; margin: 5;\"><span style=\"color: #ed7d31; font-size: 21px;\">I. Introduction<\/span><\/h2>\n<p style=\"text-align: justify; margin: 0; line-height: 1.4;\"><span style=\"font-size: 14px;\">\u00ab <em>Les d\u00e9fis climatiques sont les d\u00e9fis financiers de demain<\/em>. \u00bb Cette phrase d&rsquo;Ant\u00f3nio Guterres, secr\u00e9taire g\u00e9n\u00e9ral de l\u2019ONU, r\u00e9sonne aujourd\u2019hui plus que jamais : \u00e0 mesure que les catastrophes naturelles se multiplient, les <strong>risques climatiques<\/strong> s\u2019imposent comme une menace directe sur la<strong> stabilit\u00e9 financi\u00e8re<\/strong> et le <strong>risque de cr\u00e9dit<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify; margin: 0; line-height: 1.4;\"><span style=\"font-size: 14px;\">Les <strong>risques climatiques<\/strong> d\u00e9signent les probabilit\u00e9s et les cons\u00e9quences potentielles des <strong>\u00e9v\u00e9nements climatiques extr\u00eames<\/strong> ou des <strong>changements climatiques \u00e0 long terme<\/strong> sur les syst\u00e8mes naturels et humains.<\/span><\/p>\n<p style=\"text-align: justify; margin: 0; line-height: 1.4;\"><span style=\"font-size: 14px;\">Ils englobent des <strong>ph\u00e9nom\u00e8nes<\/strong> tels que les impacts des changements r\u00e9glementaires et technologiques, les inondations, les s\u00e9cheresses, la mont\u00e9e du niveau de la mer, qui ont pour <strong>cons\u00e9quences<\/strong> :<\/span><\/p>\n<ul style=\"margin: 0 !important; padding-left: 18px !important; list-style-position: outside !important; line-height: 1.2 !important;\">\n<li style=\"list-style-type: none;\">\n<ul style=\"margin: 0 !important; padding-left: 18px !important; list-style-position: outside !important; line-height: 1.2 !important;\">\n<li style=\"margin: 0 !important; padding: 0 !important; line-height: 1.2 !important;\"><span style=\"font-size: 14px;\">Dommages mat\u00e9riels,<\/span><\/li>\n<li style=\"margin: 0 !important; padding: 0 !important; line-height: 1.2 !important;\"><span style=\"font-size: 14px;\">Pertes \u00e9conomiques,<\/span><\/li>\n<li style=\"margin: 0 !important; padding: 8 !important; line-height: 1.2 !important;\"><span style=\"font-size: 14px;\">Impact sur la sant\u00e9 et la s\u00e9curit\u00e9 des populations.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"margin-top: 10px; margin-bottom: 0; text-align: justify;\"><span style=\"font-size: 14px;\">Ils peuvent \u00eatre divis\u00e9s au sein de <strong>trois cat\u00e9gories<\/strong> :<\/span><\/p>\n<p><!-- Bloc 1 : Risque de transition --><\/p>\n<div style=\"margin-bottom: 20px;\">\n<div style=\"font-weight: bold; font-size: 18px; margin-bottom: 6px; border-bottom: 2px solid #2c4a52; padding-bottom: 4px;\"><span style=\"font-size: 14px;\">Risque de transition<\/span><\/div>\n<div style=\"display: flex; align-items: flex-start; gap: 15px; margin-top: 8px;\"><img loading=\"lazy\" decoding=\"async\" style=\"border-radius: 4px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/63A9481D-DAF2-438D-BBC6-CE55A7B267E8.png\" alt=\"Risque de transition\" width=\"175\" height=\"112\" \/><br \/>\n<span style=\"font-size: 14px; text-align: justify;\">Impact financier et \u00e9conomique des changements vers une \u00e9conomie \u00e0 faible \u00e9mission de carbone.<br \/>\n<span style=\"font-size: 13px;\"><em><span style=\"color: #808080;\"><strong>Exemples<\/strong> :<\/span><\/em><\/span><br \/>\nchangements dans les prix des \u00e9nergies fossiles et renouvelables, augmentation des co\u00fbts de conformit\u00e9 aux nouvelles r\u00e9gulations environnementales, \u00e9volution des pr\u00e9f\u00e9rences des consommateurs vers des produits plus durables.<br \/>\n<\/span><\/div>\n<\/div>\n<p><!-- Bloc 2 : Risque physique --><\/p>\n<div style=\"margin-bottom: 20px;\">\n<div style=\"font-weight: bold; font-size: 18px; margin-bottom: 6px; border-bottom: 2px solid #2c4a52; padding-bottom: 4px;\"><span style=\"font-size: 14px;\">Risque physique<\/span><\/div>\n<div style=\"display: flex; align-items: flex-start; gap: 15px; margin-top: 8px;\"><img loading=\"lazy\" decoding=\"async\" style=\"border-radius: 4px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/557C2BB6-0110-4027-8F81-D7C034321BBF.png\" alt=\"Risque physique\" width=\"176\" height=\"118\" \/><br \/>\n<span style=\"font-size: 14px; text-align: justify;\">Impact direct des \u00e9v\u00e9nements climatiques extr\u00eames et des changements climatiques sur les infrastructures, les \u00e9cosyst\u00e8mes et les populations.<br \/>\n<span style=\"color: #808080; font-size: 13px;\"><em><strong>Exemples<\/strong> :<\/em><\/span><br \/>\nhausses des temp\u00e9ratures, inondations, s\u00e9cheresses, temp\u00eates, mont\u00e9e du niveau de la mer.<br \/>\n<\/span><\/div>\n<\/div>\n<p><!-- Bloc 3 : Risque de responsabilit\u00e9 --><\/p>\n<div style=\"margin-bottom: 20px;\">\n<div style=\"font-weight: bold; font-size: 18px; margin-bottom: 6px; border-bottom: 2px solid #2c4a52; padding-bottom: 4px;\"><span style=\"font-size: 14px;\">Risque de responsabilit\u00e9<\/span><\/div>\n<div style=\"display: flex; align-items: flex-start; gap: 15px; margin-top: 8px;\"><img loading=\"lazy\" decoding=\"async\" style=\"border-radius: 4px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/shutterstock_2336212091-scaled-1610x1020-c-default.webp\" width=\"176\" height=\"118\" \/><br \/>\n<span style=\"font-size: 14px; text-align: justify;\">Impact financier et \u00e9conomique li\u00e9 aux actions en justice ou aux r\u00e9clamations contre les entreprises, les institutions financi\u00e8res ou les gouvernements, accus\u00e9s d\u2019avoir contribu\u00e9 au changement climatique ou de ne pas avoir pris les mesures n\u00e9cessaires pour le pr\u00e9venir ou s\u2019y adapter.<br \/>\n<span style=\"color: #808080; font-size: 13px;\"><em><strong>Exemples<\/strong> : <\/em><\/span>poursuites pour dommages caus\u00e9s par les \u00e9missions de gaz \u00e0 effet de serre, litiges li\u00e9s \u00e0 une communication trompeuse sur les engagements climatiques (<i>greenwashing<\/i>), responsabilit\u00e9s juridiques pour non-respect des normes environnementales.<br \/>\n<\/span><\/div>\n<\/div>\n<p style=\"text-align: justify; margin: 0; line-height: 1.4;\"><span style=\"font-size: 14px;\">Les risques climatiques n&rsquo;ont cess\u00e9 d&rsquo;\u00e9voluer au fil des d\u00e9cennies, influenc\u00e9s par des <strong>changements environnementaux<\/strong> et des <strong>politiques internationales<\/strong>. Un retour en arri\u00e8re permet de mieux saisir la mani\u00e8re dont ces risques se sont inscrits, progressivement, dans les pr\u00e9occupations \u00e9conomiques et financi\u00e8res.<\/span><\/p>\n<p style=\"text-align: justify; margin: 0; line-height: 1.4;\"><span style=\"font-size: 14px;\">Les premi\u00e8res recherches scientifiques sur le risque climatique datent du XIX\u00e8me si\u00e8cle, \u00e0 la suite de la R\u00e9volution Industrielle. Les recherches s\u2019intensifient fin XX\u00e8me si\u00e8cle, marqu\u00e9 par la <strong>cr\u00e9ation du GIEC<\/strong> en 1988.<br \/>\n<\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1738663616915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_raw_html]%3Cstyle%3E%0A%3Aroot%7B%0A%20%20--orange%3A%23ed7d31%3B%20--blue%3A%232c4a52%3B%20--gray%3A%237d8891%3B%0A%20%20--panel%3A%23ffffff%3B%20--ink%3A%230f2f36%3B%20--muted%3A%23e9eef1%3B%0A%20%20--radius%3A16px%3B%20--gap%3A18px%3B%0A%7D%0A.csx%7Bfont-family%3AArial%2C%20sans-serif%3Bcolor%3Avar%28--ink%29%3Bmax-width%3A980px%3Bmargin%3A8px%20auto%2024px%3Bpadding%3A0%206px%7D%0A%0A%2F%2A%20grille%20%3A%20carte%20gauche%20%7C%20colonne%20centrale%20%7C%20carte%20droite%20%2A%2F%0A.csx-grid%7Bposition%3Arelative%3Bdisplay%3Agrid%3Bgrid-template-columns%3A1fr%2084px%201fr%3Bgap%3Avar%28--gap%29%3Balign-items%3Astart%7D%0A%0A%2F%2A%20ligne%20centrale%20%2A%2F%0A.csx-grid%3Abefore%7B%0A%20%20content%3A%22%22%3Bposition%3Aabsolute%3Bleft%3Acalc%2850%25%20%2B%201px%29%3Btop%3A0%3Bbottom%3A0%3Bwidth%3A3px%3B%0A%20%20background%3Alinear-gradient%28180deg%2Cvar%28--blue%29%2Cvar%28--gray%29%29%3Bborder-radius%3A3px%3Bopacity%3A.6%0A%7D%0A%0A%2F%2A%20pastille%20ann%C3%A9e%20%2A%2F%0A.csx-year%7B%0A%20%20grid-column%3A2%3Bjustify-self%3Acenter%3Bz-index%3A1%3Bposition%3Arelative%3B%0A%20%20width%3A64px%3Bheight%3A64px%3Bborder-radius%3A50%25%3B%0A%20%20display%3Agrid%3Bplace-items%3Acenter%3Bcolor%3A%23fff%3Bfont-weight%3A700%3Bfont-size%3A14px%3Bletter-spacing%3A.2px%3B%0A%20%20box-shadow%3A0%206px%2018px%20rgba%280%2C0%2C0%2C.12%29%3B%0A%7D%0A.csx-year%3Aafter%7B%0A%20%20content%3A%22%22%3Bposition%3Aabsolute%3Binset%3A-6px%3Bborder-radius%3Ainherit%3Bborder%3A3px%20solid%20rgba%280%2C0%2C0%2C.06%29%0A%7D%0A.csx-year.blue%7Bbackground%3Avar%28--blue%29%7D%0A.csx-year.orange%7Bbackground%3Avar%28--orange%29%7D%0A.csx-year.gray%7Bbackground%3Avar%28--gray%29%7D%0A%0A%2F%2A%20cartes%20%2A%2F%0A.csx-card%7B%0A%20%20background%3Avar%28--panel%29%3Bborder%3A1px%20solid%20var%28--muted%29%3Bborder-radius%3Avar%28--radius%29%3B%0A%20%20padding%3A12px%2014px%3Bbox-shadow%3A0%208px%2020px%20rgba%280%2C0%2C0%2C.06%29%3B%0A%20%20transition%3Atransform%20.2s%20ease%2C%20box-shadow%20.2s%20ease%3Bborder-left%3A5px%20solid%20transparent%0A%7D%0A.csx-card%3Ahover%7Btransform%3AtranslateY%28-2px%29%3Bbox-shadow%3A0%2014px%2028px%20rgba%280%2C0%2C0%2C.10%29%7D%0A.csx-left%20.csx-card%7Bborder-left-color%3Avar%28--blue%29%7D%0A.csx-right%20.csx-card%7Bborder-left-color%3Avar%28--orange%29%7D%0A%0A%2F%2A%20header%20carte%20%2A%2F%0A.csx-meta%7Bdisplay%3Aflex%3Balign-items%3Acenter%3Bgap%3A8px%3Bmargin-bottom%3A4px%7D%0A.csx-meta%20img%7Bwidth%3A28px%3Bheight%3A28px%3Bobject-fit%3Acontain%3Bdisplay%3Ainline-block%7D%0A%0A%2F%2A%20tailles%20%28forc%C3%A9es%29%20%2A%2F%0A.csx-title%7Bfont-size%3A15px%20%21important%3Bfont-weight%3A700%3Bmargin%3A0%7D%0A.csx%20.csx-card%20p%2C%0A.csx%20p.csx-txt%7B%0A%20%20margin%3A0%20%21important%3B%0A%20%20font-size%3A14px%20%21important%3B%20%20%20%20%20%20%2F%2A%20%3C%3C%20taille%20forc%C3%A9e%20%2A%2F%0A%20%20line-height%3A1.45%20%21important%3B%20%20%20%20%20%2F%2A%20%3C%3C%20interligne%20adapt%C3%A9%20%2A%2F%0A%20%20color%3Avar%28--ink%29%3B%0A%7D%0A%0A%2F%2A%20placement%20c%C3%B4t%C3%A9s%20%2A%2F%0A.csx-left%7Bgrid-column%3A1%7D%0A.csx-right%7Bgrid-column%3A3%7D%0A%0A%2F%2A%20responsive%20%2A%2F%0A%40media%20%28max-width%3A900px%29%7B%0A%20%20.csx-grid%7Bgrid-template-columns%3A1fr%7D%0A%20%20.csx-grid%3Abefore%7Bdisplay%3Anone%7D%0A%20%20.csx-year%7Bgrid-column%3A1%3Bmargin%3A6px%200%7D%0A%20%20.csx-left%2C.csx-right%7Bgrid-column%3A1%7D%0A%20%20.csx-card%7Bborder-left-color%3Avar%28--blue%29%7D%0A%7D%0A%3C%2Fstyle%3E%0A%0A%3Cdiv%20class%3D%22csx%22%3E%0A%20%20%3Cdiv%20class%3D%22csx-grid%22%3E%0A%0A%20%20%20%20%3C%21--%201992%20--%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-left%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FUNFCCC_logo.svg_.png%22%20alt%3D%22UNFCCC%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3EUnited%20Nations%20Framework%20Convention%20on%20Climate%20%28UNFCCC%29%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Premier%20trait%C3%A9%20international%20sur%20le%20climat%20%3A%20stabiliser%20les%20concentrations%20de%20GES.%20Cadre%20adopt%C3%A9%20par%20~198%20pays%2C%20r%C3%A9unions%20annuelles%20des%20COP.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20blue%22%3E1992%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%0A%20%20%20%20%3C%21--%202015%20Paris%20--%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20orange%22%3E2015%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-right%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FLogo_COP_21_Paris_2015.png%22%20alt%3D%22COP21%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3EAccords%20de%20Paris%20%28COP21%29%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Accord%20juridiquement%20contraignant%20engageant%20195%20parties%20%28194%20%C3%89tats%20%2B%20UE%29%20%C3%A0%20limiter%20le%20r%C3%A9chauffement%20bien%20%26lt%3B%202%C2%B0C%20et%20poursuivre%201%2C5%C2%B0C.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%0A%20%20%20%20%3C%21--%202015%20ODD%20--%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-left%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FF_SDG_1.PNG-1.webp%22%20alt%3D%22ODD%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3EProgramme%20de%20d%C3%A9veloppement%20durable%202030%20%28ODD%29%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Cadre%20global%20de%2017%20objectifs%2C%20dont%20l%E2%80%99ODD%2013%20d%C3%A9di%C3%A9%20%C3%A0%20l%E2%80%99action%20climatique.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20gray%22%3E2015%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%0A%20%20%20%20%3C%21--%202017%20NFRD%20--%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20blue%22%3E2017%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-right%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FEuropean_Parliament.png%22%20alt%3D%22Parlement%20europ%C3%A9en%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3ENFRD%20%E2%80%93%20Non-Financial%20Reporting%20Directive%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Obligations%20de%20divulgation%20d%E2%80%99informations%20ESG%20pour%20les%20grandes%20entreprises%20%28durabilit%C3%A9%2C%20risques%2C%20politiques%29.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%0A%20%20%20%20%3C%21--%202018%20Plan%20finance%20durable%20--%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-left%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FCOMISSION.png%22%20alt%3D%22Commission%20europ%C3%A9enne%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3EPlan%20d%E2%80%99action%20de%20finance%20durable%20%28UE%29%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Langage%20commun%20pour%20la%20finance%20verte%20%28taxonomie%2C%20indices%20bas%20carbone%2C%20int%C3%A9gration%20durabilit%C3%A9%20dans%20les%20risques%29.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20orange%22%3E2018%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%0A%20%20%20%20%3C%21--%202019%20SFDR%20--%3E%0A%20%20%20%20%3Cdiv%3E%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-year%20blue%22%3E2019%3C%2Fdiv%3E%0A%20%20%20%20%3Cdiv%20class%3D%22csx-right%22%3E%0A%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-card%22%3E%0A%20%20%20%20%20%20%20%20%3Cdiv%20class%3D%22csx-meta%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Cimg%20src%3D%22https%3A%2F%2Fwww.commandstrategy.com%2Fwp-content%2Fuploads%2F2025%2F09%2FSFDR.png%22%20alt%3D%22UE%22%20loading%3D%22lazy%22%3E%0A%20%20%20%20%20%20%20%20%20%20%3Ch4%20class%3D%22csx-title%22%3ESFDR%20%E2%80%93%20Sustainable%20Finance%20Disclosure%20Regulation%3C%2Fh4%3E%0A%20%20%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%20%20%20%20%3Cp%20class%3D%22csx-txt%22%20style%3D%22font-size%3A14px%3Bline-height%3A1.45%3B%22%3E%0A%20%20%20%20%20%20%20%20%20%20Transparence%20renforc%C3%A9e%20des%20produits%20financiers%20%28art.%206%2F8%2F9%29%2C%20obligations%20de%20reporting%20et%20prise%20en%20compte%20des%20PAI.%0A%20%20%20%20%20%20%20%20%3C%2Fp%3E%0A%20%20%20%20%20%20%3C%2Fdiv%3E%0A%20%20%20%20%3C%2Fdiv%3E%0A%0A%20%20%3C%2Fdiv%3E%0A%3C%2Fdiv%3E%0A[\/vc_raw_html][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1738663599205{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1738663616915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1756991359240{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<p style=\"text-align: justify; margin: 5;\"><span style=\"font-size: 14px;\">Les superviseurs cherchent d\u00e9sormais \u00e0 int\u00e9grer le risque climatique dans la <strong>r\u00e9glementation prudentielle<\/strong>, mais n\u2019imposent aucune exigence en capital. Cependant, ils ont plusieurs attentes vis-\u00e0-vis des institutions financi\u00e8res notamment sur l\u2019environnement \u00e9conomique, la strat\u00e9gie organisationnelle, le cadre de gestion des risques ou encore l\u2019analyse de sc\u00e9narios et de stress test.<\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_row_padding=\u00a0\u00bbtrue\u00a0\u00bb thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756923745378{margin-top: 0% !important;margin-bottom: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1756917168948{margin-top: 3% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_raw_html]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[\/vc_raw_html][vc_column_text css=\u00a0\u00bb.vc_custom_1756999820275{margin-top: 0% !important;margin-bottom: 1% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<div style=\"font-size: 14px; line-height: 1.3; text-align: justify; margin-bottom: 12px;\">\n<p style=\"margin: 0 0 6px 0;\"><span style=\"font-size: 14px;\">Par ailleurs, la r\u00e9glementation sectorielle s\u2019adapte pour encadrer plus strictement les industries les plus expos\u00e9es aux risques climatiques :<\/span><\/p>\n<div style=\"margin: 2px 0; font-size: 16px; color: #2c4a52; font-weight: bold;\">\n<h3 style=\"color: #2c4a52; font-size: 16px; margin: 0 0 4px 0;\"><span style=\"font-size: 16px;\">Taxe carbone (France)<\/span><\/h3>\n<\/div>\n<ul style=\"margin: 0 0 4px 18px; padding: 0; list-style-type: disc;\">\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Taxe sur les \u00e9missions de CO\u2082 des combustibles fossiles (carburants, fioul, gaz naturel).<\/span><\/li>\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Encourage la r\u00e9duction des \u00e9missions et l\u2019adoption d\u2019alternatives propres (principe \u00ab pollueur-payeur \u00bb).<\/span><\/li>\n<\/ul>\n<div style=\"margin: 2px 0; font-size: 16px; color: #2c4a52; font-weight: bold;\">\n<h3 style=\"color: #2c4a52; font-size: 16px; margin: 0 0 4px 0;\"><span style=\"font-size: 16px;\">Quotas d&rsquo;\u00e9mission<\/span><\/h3>\n<\/div>\n<ul style=\"margin: 0 0 4px 18px; padding: 0; list-style-type: disc;\">\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Syst\u00e8me d\u2019\u00e9change imposant un co\u00fbt aux \u00e9missions de CO\u2082 des industries r\u00e9glement\u00e9es.<\/span><\/li>\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Prix du quota CO\u2082 : 37,45 \u20ac (f\u00e9vrier 2021) \u2192 pr\u00e8s de 90 \u20ac (mars 2023).<\/span><\/li>\n<\/ul>\n<div style=\"margin: 2px 0; font-size: 16px; color: #2c4a52; font-weight: bold;\">\n<h3 style=\"color: #2c4a52; font-size: 16px; margin: 0 0 4px 0;\"><span style=\"font-size: 16px;\">Autres r\u00e9glementations\u00a0<\/span><\/h3>\n<\/div>\n<ul style=\"margin: 0 0 4px 18px; padding: 0; list-style-type: disc;\">\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Normes d\u2019efficacit\u00e9 \u00e9nerg\u00e9tique pour le b\u00e2timent (RT 2012).<\/span><\/li>\n<li style=\"margin: 0; padding: 0; line-height: 1.2;\"><span style=\"font-size: 14px;\">Normes d\u2019\u00e9mission de CO\u2082 pour les voitures.<\/span><\/li>\n<\/ul>\n<p style=\"margin: 4px 0 0 0;\"><span style=\"font-size: 14px;\">Ainsi, la prise en compte des risques climatiques et l\u2019\u00e9volution des r\u00e9gulations, tant prudentielles que sectorielles, sont devenues essentielles pour garantir la stabilit\u00e9 financi\u00e8re. Dans cet article, <span data-teams=\"true\">nous pr\u00e9senterons les grandes lignes des risques climatiques, en particulier le risque physique et le risque de transition, les m\u00e9thodes permettant de les \u00e9valuer ainsi que les principaux sc\u00e9narios macro\u00e9conomiques associ\u00e9s.<\/span><\/span><\/p>\n<h3 style=\"color: #2c4a52; font-size: 16px; margin: 0 0 4px 0;\"><\/h3>\n<\/div>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb.vc_custom_1756999788497{margin-top: 2% !important;}\u00a0\u00bb]\n<h3><strong><span style=\"color: #ed7d31; font-size: 21px;\">II. Risque Physique et de Transition<\/span><\/strong><\/h3>\n<p><span style=\"font-size: 14px;\">Le<strong> risque physique<\/strong> mesure l\u2019impact direct du changement climatique. Il peut \u00eatre cat\u00e9goris\u00e9 en deux types de risque physique :\u00a0<\/span><\/p>\n<ul style=\"margin: 0 !important; padding-left: 18px !important; list-style-position: outside !important; line-height: 1.2 !important;\">\n<li style=\"list-style-type: none;\">\n<ul style=\"margin: 0 !important; padding-left: 18px !important; list-style-position: outside !important; line-height: 1.2 !important;\">\n<li style=\"margin: 0 !important; padding: 0 !important; line-height: 1.2 !important;\"><span style=\"font-size: 14px;\"><strong>Risques chroniques :\u00a0<\/strong>correspondent aux risques qui r\u00e9sultent de changements graduels (hausse des temp\u00e9ratures, \u00e9l\u00e9vation du niveau de la mer, \u2026).<\/span><\/li>\n<li style=\"margin: 0 !important; padding: 0 !important; line-height: 1.2 !important;\"><span style=\"font-size: 14px;\"><strong>Risques aigus :<\/strong> correspondent aux risques d\u2019occurrences d\u2019\u00e9v\u00e8nements m\u00e9t\u00e9orologiques extr\u00eames (s\u00e9cheresses, inondations, temp\u00eates, \u2026).<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Ces risques peuvent entra\u00eener des <strong>cons\u00e9quences directes <\/strong>sur le capital physique (d\u00e9g\u00e2ts mat\u00e9riels ou destruction), entra\u00eener un dysfonctionnement de certaines infrastructures, mais aussi entra\u00eener des <strong>cons\u00e9quences progressives <\/strong>mais potentiellement graves pour les \u00e9cosyst\u00e8mes, l\u2019agriculture ou d\u2019autres aspects de la vie quotidienne. Ainsi, cela peut \u00e9galement entra\u00eener des <strong>cons\u00e9quences sur le secteur financier<\/strong>, telles que la d\u00e9pr\u00e9ciation des actifs financiers, risque de propagation syst\u00e9mique, \u2026 Il est donc essentiel de les prendre en compte.<\/span><\/p>\n[\/vc_column_text][vc_raw_html]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[\/vc_raw_html][vc_column_text css=\u00a0\u00bb.vc_custom_1756911030783{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 14px;\">Cartographie des risques physiques par pays<\/span><\/strong><\/p>\n[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb2\/3&Prime;][vc_single_image image=\u00a0\u00bb5990&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][\/vc_row_inner][vc_column_text css=\u00a0\u00bb.vc_custom_1756900159691{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Les <strong>pays \u00e0 faible revenu <\/strong>sont les plus <strong>expos\u00e9s<\/strong> aux risques physiques d\u00e9coulant du changement climatique : <em>pays d\u2019Afrique Subsaharienne, pays d\u2019Asie du Sud et du Sud-Est notamment<\/em>. Nombre des pays les plus expos\u00e9s aux effets physiques directs du changement climatique sont \u00e9galement les moins aptes \u00e0 s\u2019y adapter :<\/span><\/p>\n[\/vc_column_text][vc_row_inner][vc_column_inner][vc_single_image image=\u00a0\u00bb6045&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756992928545{margin-right: 10% !important;margin-bottom: 0% !important;margin-left: 10% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_column_text css=\u00a0\u00bb.vc_custom_1756900230052{margin-top: 0% !important;border-top-width: 0% !important;}\u00a0\u00bb]\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Les pays vuln\u00e9rables ont donc besoin d\u2019aide pour la <strong>mise en \u0153uvre des mesures sp\u00e9cifiques d\u2019adaptation <\/strong>au changement climatique (<em>protection des c\u00f4tes, infrastructures plus r\u00e9silientes, \u2026<\/em>). Ils peuvent \u00e9galement avoir besoin d\u2019une <strong>aide au d\u00e9veloppement plus g\u00e9n\u00e9rale <\/strong>pour construire des infrastructures, diversifier leur \u00e9conomie, accro\u00eetre leurs revenus, ce qui faciliterait aussi la gestion des incidences du changement climatique.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Il est essentiel de pouvoir \u00e9valuer et mesurer le risque physique afin de l\u2019int\u00e9grer dans les mod\u00e8les et de le prendre en compte. Plusieurs m\u00e9thodes existent pour l\u2019analyser et le quantifier :<\/span><\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 20px; justify-content: space-between; width: 100%;\">\n<div style=\"background: #f2f2f2; border-radius: 12px; padding: 20px; box-shadow: 0 4px 8px rgba(0,0,0,0.1); flex: 1 1 48%; font-size: 14px; line-height: 1.5;\">\n<h3 style=\"margin-top: 0; font-size: 14px; font-weight: bold;\"><span style=\"font-size: 14px;\">Analyse des \u00e9v\u00e8nements historiques<\/span><\/h3>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">\u00c9valuation de la fr\u00e9quence, de l\u2019intensit\u00e9 et des zones g\u00e9ographiques touch\u00e9es par des \u00e9v\u00e9nements m\u00e9t\u00e9orologiques tels que les temp\u00eates, les inondations, \u2026<\/span><\/p>\n<\/div>\n<div style=\"background: #f2f2f2; border-radius: 12px; padding: 20px; box-shadow: 0 4px 8px rgba(0,0,0,0.1); flex: 1 1 48%; font-size: 14px; line-height: 1.5;\">\n<h3 style=\"margin-top: 0; font-size: 14px; font-weight: bold;\"><span style=\"font-size: 14px;\">Mod\u00e9lisation climatique<\/span><\/h3>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Simulation de futurs changements climatiques et \u00e9valuation de la fa\u00e7on dont les facteurs climatiques \u00e9volueraient dans le temps (ex : projection des temp\u00e9ratures, pr\u00e9cipitations, \u2026), donc estimation des risques futurs associ\u00e9s.<\/span><\/p>\n<\/div>\n<div style=\"background: #f2f2f2; border-radius: 12px; padding: 20px; box-shadow: 0 4px 8px rgba(0,0,0,0.1); flex: 1 1 48%; font-size: 14px; line-height: 1.5;\">\n<h3 style=\"margin-top: 0; font-size: 14px; font-weight: bold;\"><span style=\"font-size: 14px;\">\u00c9valuation des vuln\u00e9rabilit\u00e9s<\/span><\/h3>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">\u00c9valuation de la fr\u00e9quence, de l\u2019intensit\u00e9 et des zones g\u00e9ographiques touch\u00e9es par des \u00e9v\u00e9nements m\u00e9t\u00e9orologiques tels que les temp\u00eates, les inondations, \u2026<\/span><\/p>\n<\/div>\n<div style=\"background: #f2f2f2; border-radius: 12px; padding: 20px; box-shadow: 0 4px 8px rgba(0,0,0,0.1); flex: 1 1 48%; font-size: 14px; line-height: 1.5;\">\n<h3 style=\"margin-top: 0; font-size: 14px; font-weight: bold;\"><span style=\"font-size: 14px;\">Analyse de l\u2019impact potentiel<\/span><\/h3>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Estimation des cons\u00e9quences potentielles des \u00e9v\u00e9nements ou des changements climatiques (ex : \u00e9valuation des pertes \u00e9conomiques, dommages mat\u00e9riels et humains, \u2026)<\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\"><br \/>\nL\u2019id\u00e9e serait de <strong>combiner<\/strong> ces quatre m\u00e9thodes afin d\u2019obtenir <strong>l\u2019\u00e9valuation du risque physique <\/strong>la plus <strong>proche<\/strong> possible de la r\u00e9alit\u00e9.\u00a0C&rsquo;est de cette mani\u00e8re que s&rsquo;articule la <strong>mod\u00e9lisation du risque de catastrophes naturelles<\/strong>. En effet, ces mod\u00e8les se d\u00e9composent g\u00e9n\u00e9ralement selon <strong>3 modules <\/strong>:<\/span><\/p>\n<div style=\"display: flex; flex-wrap: wrap; gap: 20px; justify-content: space-between; width: 100%;\"><\/div>\n[\/vc_column_text][vc_column_text]\n<div style=\"display: flex; flex-wrap: nowrap; gap: 20px; align-items: flex-start; justify-content: space-between; width: 100%; font-size: 14px; line-height: 1.5; color: #0f2f36;\"><!-- Module Al\u00e9a --><\/p>\n<div style=\"flex: 1; position: relative; padding: 28px 20px 20px 20px; border: 1px solid #2c4a52; border-radius: 16px; background: #fff; min-height: 260px;\">\n<div style=\"position: absolute; top: -16px; left: 18px; background: #2c4a52; color: #ffffff; padding: 7px 14px; border-radius: 10px; font-weight: bold; font-size: 14px; text-align: justify;\"><span style=\"font-size: 14px;\">Module Al\u00e9a<\/span><\/div>\n<p style=\"margin: 0px; text-align: justify;\"><span style=\"font-size: 14px;\">Consiste \u00e0 mod\u00e9liser la <strong>fr\u00e9quence de survenance<\/strong> des sinistres ainsi que leur <strong>s\u00e9v\u00e9rit\u00e9<\/strong>.<\/span><\/p>\n<p style=\"margin: 12px 0px 0px; font-style: italic; color: #5b6a70; text-align: justify;\"><span style=\"color: #808080; font-size: 14px;\">Par s\u00e9v\u00e9rit\u00e9, nous entendons la vitesse des vents pour une temp\u00eate, la hauteur d\u2019eau pour une inondation, \u2026<\/span><\/p>\n<\/div>\n<p><!-- Fl\u00e8che --><\/p>\n<div style=\"flex: 0 0 60px; display: flex; align-items: center; justify-content: center; text-align: justify;\">\n<div style=\"display: flex; align-items: center;\">\n<div style=\"width: 32px; height: 6px; background: #ed7d31; border-radius: 3px;\"><\/div>\n<div style=\"width: 0; height: 0; border-left: 16px solid #ed7d31; border-top: 10px solid transparent; border-bottom: 10px solid transparent; margin-left: 6px;\"><\/div>\n<\/div>\n<\/div>\n<p><!-- Module Vuln\u00e9rabilit\u00e9 --><\/p>\n<div style=\"flex: 1 1 0%; position: relative; padding: 28px 20px 20px; border: 1px solid #2c4a52; border-radius: 16px; background: #ffffff; min-height: 260px; text-align: justify;\">\n<div style=\"position: absolute; top: -16px; left: 18px; background: #2c4a52; color: #fff; padding: 7px 14px; border-radius: 10px; font-weight: bold; font-size: 14px;\"><span style=\"font-size: 14px;\">Module Vuln\u00e9rabilit\u00e9<\/span><\/div>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Consiste \u00e0 <strong>quantifier la sinistralit\u00e9<\/strong> de <strong>chaque \u00e9v\u00e8nement<\/strong>. Des courbes de vuln\u00e9rabilit\u00e9 sont \u00e9tablies selon les diff\u00e9rentes cat\u00e9gories de risque.<\/span><\/p>\n<p style=\"margin: 12px 0 0 0; font-style: italic; color: #5b6a70;\"><span style=\"color: #808080; font-size: 14px;\">Par exemple, un bien peut \u00eatre plus ou moins vuln\u00e9rable selon sa nature (r\u00e9sidentiel, commercial, industriel, agricole, \u2026).<\/span><\/p>\n<\/div>\n<p><!-- Fl\u00e8che --><\/p>\n<div style=\"flex: 0 0 60px; display: flex; align-items: center; justify-content: center; text-align: justify;\">\n<div style=\"display: flex; align-items: center;\">\n<div style=\"width: 32px; height: 6px; background: #ed7d31; border-radius: 3px;\"><\/div>\n<div style=\"width: 0; height: 0; border-left: 16px solid #ed7d31; border-top: 10px solid transparent; border-bottom: 10px solid transparent; margin-left: 6px;\"><\/div>\n<\/div>\n<\/div>\n<p><!-- Module Financier --><\/p>\n<div style=\"flex: 1; position: relative; padding: 28px 20px 20px 20px; border: 1px solid #2c4a52; border-radius: 16px; background: #fff; min-height: 260px;\">\n<div style=\"position: absolute; top: -16px; left: 18px; background: #2c4a52; color: #ffffff; padding: 7px 14px; border-radius: 10px; font-weight: bold; font-size: 14px; text-align: justify;\"><span style=\"font-size: 14px;\">Module Financier<\/span><\/div>\n<p style=\"margin: 0px; text-align: justify;\"><span style=\"font-size: 14px;\">Consiste \u00e0 calculer les <strong>pertes financi\u00e8res<\/strong> dues aux dommages mat\u00e9riels et humains.<\/span><\/p>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify; font-size: 14px; line-height: 1.3; margin: 0 !important;\"><span style=\"font-size: 14px;\">Le <strong>risque de transition<\/strong> repr\u00e9sente les <strong>impacts financiers<\/strong> r\u00e9sultant de la mise en place d\u2019une <strong>\u00e9conomie bas carbone<\/strong>. Ce risque est caract\u00e9ris\u00e9 par une <strong>incertitude<\/strong> concernant les modalit\u00e9s de <strong>mise en \u0153uvre de la trajectoire bas carbone<\/strong> en termes \u00e9conomiques et sociaux.<\/span><\/p>\n<p style=\"text-align: justify; font-size: 14px; line-height: 1.3; margin: 0 0 4px 0 !important;\"><span style=\"font-size: 14px;\">Les cons\u00e9quences incluent une remise en question du mod\u00e8le d\u2019affaires initial, obligeant les entreprises \u00e0 placer la d\u00e9carbonation au c\u0153ur de leur strat\u00e9gie. Selon le secteur d\u2019activit\u00e9, les <strong>impacts<\/strong> de la transition peuvent \u00eatre :<\/span><\/p>\n<ul style=\"margin: 0 0 8px 0 !important; padding-left: 18px; line-height: 1.3 !important; list-style-position: outside;\">\n<li style=\"margin: 0 !important; padding: 0 !important;\"><span style=\"font-size: 14px;\"><strong>Positifs :<\/strong> les \u00e9nergies renouvelables, une politique de d\u00e9carbonation fera augmenter la demande pour ce secteur.<\/span><\/li>\n<li style=\"margin: 0 !important; padding: 0 !important;\"><span style=\"font-size: 14px;\"><strong>N\u00e9gatifs :<\/strong> p\u00e9trole &amp; gaz.<\/span><\/li>\n<\/ul>\n<p><!-- Titre au-dessus du tableau --><\/p>\n<p style=\"font-size: 14px; line-height: 1.3; margin: 8px 0 12px 0; text-align: center;\"><strong>Tableau de classification des risques<\/strong><\/p>\n<p><!-- Tableau --><\/p>\n<div style=\"margin: 0 auto; text-align: center;\">\n<table class=\"aligncenter\" style=\"width: 71%; border-collapse: collapse; font-size: 14px; text-align: left; font-family: Arial, sans-serif; line-height: 1.4; margin: 0 auto;\">\n<thead>\n<tr style=\"background-color: #ed7d31; color: #fff;\">\n<th style=\"padding: 12px; width: 20%;\">Cat\u00e9gorie<\/th>\n<th style=\"padding: 12px; width: 80%;\">Exemples de risques<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52;\">R\u00e9glementaire<\/td>\n<td style=\"padding: 8px 12px;\">\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li>Introduction ou augmentation des taxes carbone<\/li>\n<li>Normes strictes sur les \u00e9missions de CO\u2082<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52;\">Technologique<\/td>\n<td style=\"padding: 8px 12px;\">\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li>Remplacement des technologies fossiles par des technologies bas-carbone<\/li>\n<li>Obsolescence rapide de certains \u00e9quipements industriels<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52;\">March\u00e9<\/td>\n<td style=\"padding: 8px 12px;\">\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li>Modification de la demande des consommateurs (pr\u00e9f\u00e9rence pour des produits durables)<\/li>\n<li>Volatilit\u00e9 des prix des \u00e9nergies fossiles et renouvelables<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52;\">R\u00e9putation<\/td>\n<td style=\"padding: 8px 12px;\">\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li>D\u00e9gradation de l\u2019image pour les entreprises polluantes<\/li>\n<li>Pression accrue des investisseurs et parties prenantes<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52;\">Juridique<\/td>\n<td style=\"padding: 8px 12px;\">\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li>Litiges li\u00e9s \u00e0 la responsabilit\u00e9 environnementale<\/li>\n<li>Renforcement des obligations de reporting extra-financier<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14px;\">Tableau de classification des risques\u00a0<\/span><\/strong><\/p>\n<\/div>\n[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb2\/3&Prime;][vc_single_image image=\u00a0\u00bb5988&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<span style=\"font-size: 14px;\">Les risques de transition climatique varient selon les pays. Les <strong>exportateurs de combustibles fossiles<\/strong> et les <strong>pays \u00e0 revenu \u00e9lev\u00e9<\/strong>, gros consommateurs de ressources et \u00e9metteurs majeurs de gaz \u00e0 effet de serre, sont <strong>fortement expos\u00e9s<\/strong>. Cependant, les <strong>pays en d\u00e9veloppement<\/strong>, <em>comme<\/em> <em>le Tchad, le Nigeria ou la R\u00e9publique D\u00e9mocratique du Congo<\/em>, sont \u00e9galement <strong>vuln\u00e9rables<\/strong> en raison de leur d\u00e9pendance aux \u00e9nergies fossiles, de leur faible capacit\u00e9 d\u2019att\u00e9nuation climatique et du manque de financements pour une transition verte. Pour ces pays, des <strong>investissements massifs<\/strong> en <strong>infrastructures durables<\/strong> et en <strong>\u00e9nergies renouvelables<\/strong> sont cruciaux, afin de concilier d\u00e9veloppement \u00e9conomique et transition climatique mondiale.<\/span><\/p>\n<p><span style=\"font-size: 14px;\">Tout comme le risque physique, il est important de pouvoir quantifier ce risque de transition. Pour ce faire, il existe trois grandes \u00e9tapes :<\/span><\/p>\n<div style=\"position: relative; width: 100%; margin: 20px 0; font-family: Arial, sans-serif; font-size: 14px; line-height: 1.5; color: #0f2f36;\"><!-- Fl\u00e8che horizontale --><\/p>\n<div style=\"position: absolute; top: 50%; left: 5%; right: 5%; height: 14px; background: #ed7d31; border-radius: 7px; transform: translateY(-50%); z-index: 0;\"><!-- Pointe --><\/p>\n<div style=\"position: absolute; right: -30px; top: 50%; transform: translateY(-50%); width: 0; height: 0; border-left: 30px solid #ed7d31; border-top: 18px solid transparent; border-bottom: 18px solid transparent;\"><\/div>\n<\/div>\n<p><!-- Conteneur des cartes --><\/p>\n<div style=\"position: relative; z-index: 1; display: flex; justify-content: center; gap: 24px;\"><!-- Carte 1 --><\/p>\n<div style=\"flex: 0 0 25%; border: 1px solid #2c4a52; border-radius: 12px; background: #fff; overflow: hidden;\">\n<div style=\"background: #2c4a52; color: #ffffff; font-weight: bold; padding: 12px; text-align: center;\"><span style=\"font-size: 14px;\">1) Identification des risques<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p style=\"margin: 0 0 6px; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">Identification des zones g\u00e9ographiques :<\/span><\/p>\n<p><span style=\"font-size: 14px;\">Contribution des \u00c9tats \u00e0 l\u2019Accord de Paris<br \/>\n<\/span><span style=\"font-size: 14px;\">Part d\u2019\u00e9nergie fossile dans le mix<br \/>\n<\/span><span style=\"font-size: 14px;\">Performance des \u00c9tats (intensit\u00e9 carbone)<br \/>\n<\/span><span style=\"font-size: 14px;\">Exposition aux risques de transition (CLAIM)<\/span><\/p>\n<p style=\"margin: 8px 0 0; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">Secteurs \/ activit\u00e9s :<\/span><\/p>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Analyse de l\u2019intensit\u00e9 carbone (GES \/ CA).<\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\"><!-- Carte 2 --><\/span><\/p>\n<div style=\"flex: 0 0 25%; border: 1px solid #2c4a52; border-radius: 12px; background: #ffffff; overflow: hidden; text-align: justify;\">\n<div style=\"background: #2c4a52; color: #fff; font-weight: bold; padding: 12px; text-align: center;\"><span style=\"font-size: 14px;\">2) Quantification des risques<\/span><\/div>\n<div style=\"padding: 14px;\">\n<p style=\"margin: 0; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">M\u00e9thodologie Carbon Delta :<\/span><\/p>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">VaR climatique via co\u00fbts de transition.<\/span><\/p>\n<p style=\"margin: 8px 0 0; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">Climate-Adjusted EDF :<\/span><\/p>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Probabilit\u00e9 de d\u00e9faut sous sc\u00e9narios climatiques.<\/span><\/p>\n<p style=\"margin: 8px 0 0; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">Climate PD Converter :<\/span><\/p>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Conversion en PD inconditionnelle.<\/span><\/p>\n<p style=\"margin: 8px 0 0; color: #ed7d31; font-weight: bold;\"><span style=\"font-size: 14px;\">M\u00e9thodologie SEIm :<\/span><\/p>\n<p style=\"margin: 0;\"><span style=\"font-size: 14px;\">Comparaison avec un portefeuille align\u00e9 2\u00b0C.<\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\"><!-- Carte 3 --><\/span><\/p>\n<div style=\"flex: 0 0 25%; border: 1px solid #2c4a52; border-radius: 12px; background: #fff; overflow: hidden;\">\n<div style=\"background: #2c4a52; color: #ffffff; font-weight: bold; padding: 12px; text-align: center;\"><span style=\"font-size: 14px;\">3) Gestion des risques<\/span><\/div>\n<div style=\"padding: 14px;\">\n<p style=\"margin: 0px; color: #ed7d31; font-weight: bold; text-align: justify;\"><span style=\"font-size: 14px;\">R\u00e9visions r\u00e9currentes :<\/span><\/p>\n<p style=\"margin: 0px; text-align: justify;\"><span style=\"font-size: 14px;\">Revues trimestrielles\/semestrielles de performance climatique.<\/span><\/p>\n<p style=\"margin: 8px 0px 0px; color: #ed7d31; font-weight: bold; text-align: justify;\"><span style=\"font-size: 14px;\">Limitation empreinte carbone :<\/span><\/p>\n<p><span style=\"font-size: 14px;\">Exclusion\/d\u00e9sinvestissement des acteurs expos\u00e9s<br \/>\n<\/span><span style=\"font-size: 14px;\">Engagement favorable \u00e0 la transition<\/span><\/p>\n<p style=\"margin: 8px 0px 0px; color: #ed7d31; font-weight: bold; text-align: justify;\"><span style=\"font-size: 14px;\">Alignement bas-carbone :<\/span><\/p>\n<p style=\"margin: 0px; text-align: justify;\"><span style=\"font-size: 14px;\">S\u00e9lection d\u2019actifs align\u00e9s sur benchmarks verts (1,5\u20132\u00b0C).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb.vc_custom_1756913546496{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<h3><strong><span style=\"color: #ed7d31; font-size: 21px;\">III. Sc\u00e9narios Macro\u00e9conomiques<\/span><\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Un sc\u00e9nario climatique est une projection de ce que pourrait \u00eatre le futur climatique de la Terre ou d&rsquo;une r\u00e9gion sp\u00e9cifique, bas\u00e9e sur une s\u00e9rie d&rsquo;hypoth\u00e8ses concernant notamment :<\/span><\/p>\n<div style=\"display: flex; gap: 16px; justify-content: center; align-items: stretch; flex-wrap: wrap; font-family: Arial, sans-serif; color: #0f2f36; line-height: 1.45; font-size: 14px;\"><!-- ========== BOX 1 ========== --><\/p>\n<div style=\"flex: 1 1 280px; min-width: 260px; max-width: 300px; background: #fff; border: 1px solid #e6ecef; border-radius: 14px; box-shadow: 0 4px 14px rgba(0,0,0,.06); overflow: hidden;\">\n<div style=\"background: linear-gradient(180deg, #f08b51 0%, #ed7d31 100%); color: #fff; font-weight: bold; text-align: center; text-shadow: 0 1px 0 rgba(0,0,0,.15); min-height: 60px; display: flex; align-items: center; justify-content: center; padding: 6px 10px;\">Les politiques environnementales, \u00e9conomiques et sociales<\/div>\n<div style=\"padding: 14px 16px 16px; text-align: center;\">\n<p><img decoding=\"async\" style=\"max-height: 90px; width: auto; object-fit: contain; display: inline-block; margin-bottom: 10px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/point-environnement-social-entreprise-F.jpg\" alt=\"\" \/><\/p>\n<ul style=\"margin: 0; padding: 0 0 0 16px; text-align: left; line-height: 1.3;\">\n<li style=\"margin: 3px 0;\">Coordination mondiale<\/li>\n<li style=\"margin: 3px 0;\">Objectifs<\/li>\n<li style=\"margin: 3px 0;\">D\u00e9lais<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><!-- ========== BOX 2 ========== --><\/p>\n<div style=\"flex: 1 1 280px; min-width: 260px; max-width: 300px; background: #fff; border: 1px solid #e6ecef; border-radius: 14px; box-shadow: 0 4px 14px rgba(0,0,0,.06); overflow: hidden;\">\n<div style=\"background: linear-gradient(180deg, #6cc24a 0%, #4cae3d 100%); color: #fff; font-weight: bold; text-align: center; text-shadow: 0 1px 0 rgba(0,0,0,.15); min-height: 60px; display: flex; align-items: center; justify-content: center; padding: 6px 10px;\">Les technologies<\/div>\n<div style=\"padding: 14px 16px 16px; text-align: center;\">\n<p><img decoding=\"async\" style=\"max-height: 90px; width: auto; object-fit: contain; display: inline-block; margin-bottom: 10px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Ville-durable.webp\" alt=\"\" \/><\/p>\n<ul style=\"margin: 0; padding: 0 0 0 16px; text-align: left; line-height: 1.3;\">\n<li style=\"margin: 3px 0;\">Co\u00fbts des \u00e9nergies<\/li>\n<li style=\"margin: 3px 0;\">Captage et stockage de carbone<\/li>\n<li style=\"margin: 3px 0;\">D\u00e9fis li\u00e9s \u00e0 leur d\u00e9ploiement<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><!-- ========== BOX 3 ========== --><\/p>\n<div style=\"flex: 1 1 280px; min-width: 260px; max-width: 300px; background: #fff; border: 1px solid #e6ecef; border-radius: 14px; box-shadow: 0 4px 14px rgba(0,0,0,.06); overflow: hidden;\">\n<div style=\"background: linear-gradient(180deg, #3a98d6 0%, #2c7fb8 100%); color: #fff; font-weight: bold; text-align: center; text-shadow: 0 1px 0 rgba(0,0,0,.15); min-height: 60px; display: flex; align-items: center; justify-content: center; padding: 6px 10px;\">Une projection socio-d\u00e9mographique<\/div>\n<div style=\"padding: 14px 16px 16px; text-align: center;\">\n<p><img decoding=\"async\" style=\"max-height: 90px; width: auto; object-fit: contain; display: inline-block; margin-bottom: 10px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/MC-Spiritual-Arc-of-History-1-768x384-1.jpg\" alt=\"\" \/><\/p>\n<ul style=\"margin: 0; padding: 0 0 0 16px; text-align: left; line-height: 1.3;\">\n<li style=\"margin: 3px 0;\">Croissance d\u00e9mographique<\/li>\n<li style=\"margin: 3px 0;\">Migration<\/li>\n<li style=\"margin: 3px 0;\">Pr\u00e9f\u00e9rences des consommateurs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"text-align: justify; line-height: 1.15; margin-bottom: 4px;\"><span style=\"font-size: 14px;\"><br \/>\n<strong>Objectifs :<\/strong> Ces sc\u00e9narios sont utilis\u00e9s pour aider les chercheurs, les d\u00e9cideurs politiques et le public \u00e0 comprendre les risques li\u00e9s au changement climatique et \u00e0 planifier en cons\u00e9quence.<\/span><\/p>\n<p style=\"text-align: justify; line-height: 1.15; margin-bottom: 4px;\"><span style=\"font-size: 14px;\">Les sc\u00e9narios ne sont pas utilis\u00e9s pour produire une vision d\u00e9finitive de l&rsquo;avenir, mais plut\u00f4t des possibilit\u00e9s plausibles et hypoth\u00e9tiques. Il existe un nombre pratiquement illimit\u00e9 de fa\u00e7ons d&rsquo;atteindre un r\u00e9sultat de temp\u00e9rature cible particulier.<\/span><\/p>\n<p style=\"text-align: justify; line-height: 1.15; margin-bottom: 4px;\"><span style=\"font-size: 14px;\">Les sc\u00e9narios sont produits \u00e0 l&rsquo;aide de mod\u00e8les g\u00e9r\u00e9s et d\u00e9velopp\u00e9s par des institutions acad\u00e9miques, des organisations non gouvernementales et des entreprises.<\/span><\/p>\n<p style=\"text-align: justify; line-height: 1.15; margin-bottom: 4px;\"><span style=\"font-size: 14px;\">Pour identifier les plus pertinents \u00e0 adapter \u00e0 l\u2019analyse financi\u00e8re, les principales sources publiques sont \u00e0 \u00e9valuer sur la base de diff\u00e9rents crit\u00e8res :<\/span><\/p>\n<p><span style=\"color: #ffffff; font-size: 9px;\">a<\/span><\/p>\n<div style=\"display: flex; gap: 24px; justify-content: space-between; flex-wrap: nowrap; font-family: Arial, sans-serif; font-size: 14px; color: #0f2f36;\">\n<div style=\"flex: 1; background: #fff; border: 1px solid #dcdcdc; border-radius: 12px; padding: 18px; box-shadow: 0 4px 10px rgba(0,0,0,0.05);\">\n<h3 style=\"margin-top: 0px; font-size: 16px; font-weight: bold; color: #333333; text-align: center;\">Pluralit\u00e9 des sc\u00e9narios<\/h3>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 10px;\">Diff\u00e9rents objectifs de temp\u00e9rature : + 1,5\u00b0C, + 2\u00b0C, + 3\u00b0C<\/div>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 12px;\">Diff\u00e9rentes r\u00e9actions politiques aux risques climatiques : rapide, retard\u00e9e, aucune<\/div>\n<\/div>\n<div style=\"flex: 1; background: #fff; border: 1px solid #dcdcdc; border-radius: 12px; padding: 18px; box-shadow: 0 4px 10px rgba(0,0,0,0.05);\">\n<h3 style=\"margin-top: 0px; font-size: 16px; font-weight: bold; color: #333333; text-align: center;\">Dates de projection<\/h3>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 10px;\">Date maximale de projection : 2050, 2100<\/div>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 12px;\">Fr\u00e9quence des projections : annuelles, intervalles de 5 ans, 10 ans<\/div>\n<\/div>\n<div style=\"flex: 1; background: #fff; border: 1px solid #dcdcdc; border-radius: 12px; padding: 18px; box-shadow: 0 4px 10px rgba(0,0,0,0.05);\">\n<h3 style=\"margin-top: 0px; font-size: 16px; font-weight: bold; color: #333333; text-align: center;\">Variables projet\u00e9es<\/h3>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 10px;\">Risques de transition : \u00e9mission de GES, prix des \u00e9nergies, etc.<\/div>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 12px;\">Risques physiques : temp\u00e9ratures, cyclones, etc.<\/div>\n<\/div>\n<div style=\"flex: 1; background: #fff; border: 1px solid #dcdcdc; border-radius: 12px; padding: 18px; box-shadow: 0 4px 10px rgba(0,0,0,0.05);\">\n<h3 style=\"margin-top: 0px; font-size: 16px; font-weight: bold; color: #333333; text-align: center;\">Granularit\u00e9 des r\u00e9sultats<\/h3>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 10px;\">Au niveau sectoriel<\/div>\n<div style=\"background: #f2f3f5; border-radius: 10px; padding: 12px; margin-top: 12px;\">Au niveau r\u00e9gional<\/div>\n<\/div>\n<\/div>\n<div>\n<div style=\"line-height: 1.35;\">\n<p><span style=\"color: #ffffff; font-size: 9px;\">a<\/span><\/p>\n<p style=\"text-align: justify; margin: 0 0 6px 0;\"><span style=\"font-size: 14px;\">Sur la base de ces crit\u00e8res, les mod\u00e8les d&rsquo;\u00e9valuation int\u00e9gr\u00e9e &#8211; ou IAM pour Integrated assessment models &#8211; sont les plus utilis\u00e9s pour la construction de sc\u00e9narios climatiques.<\/span><\/p>\n<p style=\"text-align: justify; margin: 0 0 6px 0;\"><span style=\"font-size: 14px;\">Les IAM int\u00e8grent des \u00e9l\u00e9ments de diverses disciplines (\u00e9conomie, climatologie, sciences de l&rsquo;\u00e9nergie, etc.) pour comprendre et projeter les impacts des politiques climatiques, des trajectoires de d\u00e9veloppement \u00e9conomique, et des \u00e9volutions technologiques sur le climat et la soci\u00e9t\u00e9.<\/span><\/p>\n<p style=\"text-align: justify; margin: 0;\"><span style=\"font-size: 14px;\"><u>Construction d\u2019un mod\u00e8le IAM :<\/u><\/span><\/p>\n<div style=\"display: flex; flex-direction: column; align-items: center; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.3; gap: 10px;\"><!-- Premi\u00e8re ligne : 3 box --><\/p>\n<div style=\"display: flex; justify-content: center; gap: 25px;\">\n<div style=\"width: 230px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n<div style=\"background: #7d8891; color: #fff; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 8px 8px 0 0; font-weight: bold; text-align: center;\"><span style=\"font-size: 13px;\">1. \u00c9tablissement du Cadre Conceptuel<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p><span style=\"font-size: 14px;\"><b>Identification des composantes cl\u00e9s<\/b> : \u00e9conomie, syst\u00e8me \u00e9nerg\u00e9tique, \u00e9missions de GES, climat<br \/>\n<\/span><span style=\"font-size: 14px;\"><b>D\u00e9finition des interactions<\/b><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"width: 230px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n<div style=\"background: #444b54; color: #fff; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 8px 8px 0 0; font-weight: bold; text-align: center;\"><span style=\"font-size: 13px;\">2. Collecte et Int\u00e9gration de Donn\u00e9es<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p><span style=\"font-size: 14px;\"><b>Sources de donn\u00e9es<\/b> : historiques et actuelles<br \/>\n<\/span><span style=\"font-size: 14px;\"><b>Calibration des mod\u00e8les<\/b> : assurer pr\u00e9cision et fiabilit\u00e9<\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"width: 230px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n<div style=\"background: #243447; color: #fff; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 8px 8px 0 0; font-weight: bold; text-align: center;\"><span style=\"font-size: 13px;\">3. D\u00e9veloppement de Sc\u00e9narios<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p><span style=\"font-size: 14px;\"><b>Sc\u00e9nario de r\u00e9f\u00e9rence<\/b> : sans changement de politique<br \/>\n<\/span><span style=\"font-size: 14px;\"><b>Sc\u00e9narios alternatifs<\/b> : selon diverses hypoth\u00e8ses<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><span style=\"font-size: 14px;\"><!-- Deuxi\u00e8me ligne : 2 box centr\u00e9es --><\/span><\/p>\n<div style=\"display: flex; justify-content: center; gap: 25px;\">\n<div style=\"width: 230px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n<div style=\"background: #e67825; color: #fff; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 8px 8px 0 0; font-weight: bold; text-align: center;\"><span style=\"font-size: 13px;\">4. Simulation et Analyse<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p><span style=\"font-size: 14px;\"><b>Ex\u00e9cution des mod\u00e8les<\/b> : pour simuler les impacts<br \/>\n<\/span><span style=\"font-size: 14px;\"><b>Analyse des r\u00e9sultats<\/b> : comprendre les cons\u00e9quences des diff\u00e9rents sc\u00e9narios<\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"width: 230px; border-radius: 8px; box-shadow: 0 2px 4px rgba(0,0,0,0.1);\">\n<div style=\"background: #7d8891; color: #fff; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 8px 8px 0 0; font-weight: bold; text-align: center;\"><span style=\"font-size: 13px;\">5. Validation et V\u00e9rification<\/span><\/div>\n<div style=\"padding: 14px; text-align: justify;\">\n<p><span style=\"font-size: 14px;\"><b>Validation<\/b> : comparaison des r\u00e9sultats pour validation<br \/>\n<\/span><span style=\"font-size: 14px;\"><b>R\u00e9vision &amp; am\u00e9lioration<\/b> : int\u00e9gration de nouvelles donn\u00e9es &amp; connaissances<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_column css=\u00a0\u00bb.vc_custom_1715255294334{padding-top: 5% !important;padding-bottom: 4% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1756884790334{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\n<div style=\"font-family: Arial, sans-serif; font-size: 13px; line-height: 1.25; text-align: justify;\">\n<p style=\"margin: 0 0 4px;\"><span style=\"font-size: 16px; color: #2c4a52;\"><strong>Les sc\u00e9narios du NGFS<\/strong><\/span><\/p>\n<p style=\"margin: 0 0 4px;\"><span style=\"font-size: 14px;\">Les sc\u00e9narios climatiques du NGFS sont les plus utilis\u00e9s par les institutions politiques, financi\u00e8res et acad\u00e9miques.<\/span><\/p>\n<p style=\"margin: 0 0 4px;\"><span style=\"font-size: 14px;\">Le NGFS (Network for Greening the Financial System) est un r\u00e9seau de banques centrales et superviseurs financiers regroupant plus de 100 membres qui s&rsquo;est constitu\u00e9 en 2017 pour produire des recommandations sur le r\u00f4le des superviseurs face au changement climatique.<\/span><\/p>\n<p style=\"margin: 0 0 4px;\"><span style=\"font-size: 14px;\">Parmi ses travaux, le NGFS d\u00e9veloppe des sc\u00e9narios pour \u00e9valuer les impacts potentiels des politiques climatiques et des risques associ\u00e9s.<\/span><\/p>\n<p style=\"margin: 0 0 4px;\"><span style=\"font-size: 14px;\">Pour cela, il se sert en input de mod\u00e8les :<\/span><\/p>\n<ul style=\"margin: 0; padding-left: 18px;\">\n<li style=\"margin: 0 0 2px;\"><span style=\"font-size: 14px;\"><b>Mod\u00e8les de transition IAM<\/b> : REMING-MAgPIE, MESSAGEix-GLOBIOM et GCAM<\/span><\/li>\n<li style=\"margin: 0 0 2px;\"><span style=\"font-size: 14px;\"><b>Mod\u00e8les de risques physiques<\/b> : Damage Functions, Natural Catastrophe Models<\/span><\/li>\n<li style=\"margin: 0;\"><span style=\"font-size: 14px;\"><b>Mod\u00e8le macro\u00e9conomique<\/b> : NiGEM<\/span><\/li>\n<\/ul>\n<\/div>\n[\/vc_column_text][\/vc_column][vc_column_inner][\/vc_column_inner][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756887213740{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1756910503944{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/5&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime; css=\u00a0\u00bb.vc_custom_1756887300887{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_single_image image=\u00a0\u00bb6039&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756992227554{margin-top: 0% !important;border-top-width: 0% !important;}\u00a0\u00bb][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb][vc_column][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Gr\u00e2ce aux mod\u00e8les de transition IAM et mod\u00e8les de risques physiques, les sc\u00e9narios climatiques du NGFS sont capables de projeter une multitude de variables li\u00e9es aux risques physiques et aux risques de transition.<br \/>\n<\/span><\/p>\n[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb2\/3&Prime;][vc_single_image image=\u00a0\u00bb6041&Prime; img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/6&Prime;][\/vc_column_inner][\/vc_row_inner][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Ces variables sont ensuite utilis\u00e9es dans le mod\u00e8le macro\u00e9conomique NiGEM _National Institute Global Econometric Model), permettant d\u2019analyser les impacts des risques de transition et des risques physiques sur des indicateurs macro-financiers cl\u00e9s tels que le PIB, les taux d\u2019int\u00e9r\u00eat, l\u2019inflation, etc.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">R\u00e9unies, c\u2019est un total de 2315 variables qui sont produites par les sc\u00e9narios climatiques du NGFS.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Le NGFS produit 7 sc\u00e9narios climatiques diff\u00e9rents bas\u00e9s sur diverses hypoth\u00e8ses politiques, technologiques et socio-d\u00e9mographique. Nous avons s\u00e9lectionn\u00e9 les 5 sc\u00e9narios les plus pertinents, pr\u00e9sent\u00e9s dans le tableau suivant :<\/span><\/p>\n<div style=\"margin-bottom: 0;\"><\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb][vc_column][vc_column_text]\n<div style=\"margin: 0 auto; width: 85%;\">\n<table class=\"aligncenter\" style=\"width: 96.3068%; border-collapse: collapse; font-size: 14px; text-align: left; font-family: Arial, sans-serif; line-height: 1.4; margin: 0px auto;\">\n<thead>\n<tr style=\"background-color: #ed7d31; color: #fff;\">\n<th style=\"padding: 12px; width: 15.0883%;\">Sc\u00e9narios<\/th>\n<th style=\"padding: 12px; width: 45.1576%;\">\u00a0 R\u00e9sum\u00e9<\/th>\n<th style=\"padding: 12px; width: 21.4998%;\">R\u00e9chauffement plan\u00e9taire 2100<\/th>\n<th style=\"padding: 12px; width: 5.77401%;\">R\u00e9actions politiques<\/th>\n<th style=\"padding: 12px; width: 10.8355%;\">Progr\u00e8s technologiques<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52; width: 15.0883%;\">Low Demand<\/td>\n<td style=\"padding: 8px 12px; width: 45.1576%;\">Changements de comportement significatifs r\u00e9duisant la demande d\u2019\u00e9nergie<\/td>\n<td style=\"padding: 8px 12px; width: 21.4998%;\">1,4\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 5.77401%;\">Imm\u00e9diate<\/td>\n<td style=\"padding: 8px 12px; width: 10.8355%;\">Important<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52; width: 15.0883%;\">Net Zero 2050<\/td>\n<td style=\"padding: 8px 12px; width: 45.1576%;\">Politiques climatiques strictes dans le but d\u2019atteindre la neutralit\u00e9 carbone aux alentours de 2050<\/td>\n<td style=\"padding: 8px 12px; width: 21.4998%;\">1,4\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 5.77401%;\">Imm\u00e9diate<\/td>\n<td style=\"padding: 8px 12px; width: 10.8355%;\">Important<\/td>\n<\/tr>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52; width: 15.0883%;\">Below 2\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 45.1576%;\">Augmente progressivement la rigueur des politiques climatiques dans le but de limiter le r\u00e9chauffement plan\u00e9taire \u00e0 moins de 2\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 21.4998%;\">1,7\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 5.77401%;\">Imm\u00e9diate et progressive<\/td>\n<td style=\"padding: 8px 12px; width: 10.8355%;\">Mod\u00e9r\u00e9<\/td>\n<\/tr>\n<tr style=\"background-color: #ffffff;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52; width: 15.0883%;\">Delayed Transition<\/td>\n<td style=\"padding: 8px 12px; width: 45.1576%;\">Peu de r\u00e9action avant 2030, induisant des politiques agressives dans l\u2019objectif de limiter le r\u00e9chauffement plan\u00e9taire \u00e0 moins de 2\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 21.4998%;\">1,8\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 5.77401%;\">Retard\u00e9 et agressive<\/td>\n<td style=\"padding: 8px 12px; width: 10.8355%;\">Faible puis Important<\/td>\n<\/tr>\n<tr style=\"background-color: #f2f2f2;\">\n<td style=\"padding: 12px; font-weight: bold; color: #2c4a52; width: 15.0883%;\">Current Policies<\/td>\n<td style=\"padding: 8px 12px; width: 45.1576%;\">Seules les politiques actuelles sont pr\u00e9serv\u00e9es<\/td>\n<td style=\"padding: 8px 12px; width: 21.4998%;\">3\u00b0C<\/td>\n<td style=\"padding: 8px 12px; width: 5.77401%;\">Aucune<\/td>\n<td style=\"padding: 8px 12px; width: 10.8355%;\">Faible<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n[\/vc_column_text][vc_column_text css=\u00a0\u00bb.vc_custom_1756902466490{margin-bottom: 0% !important;}\u00a0\u00bb]\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\">Selon le sc\u00e9nario climatique choisi, les impacts varient, chaque sc\u00e9nario pr\u00e9sentant des risques de transition et des risques physiques sp\u00e9cifiques.<\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756993397710{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb2\/3&Prime;][vc_raw_html css=\u00a0\u00bb.vc_custom_1756913337350{margin-top: 8% !important;margin-right: 6% !important;margin-left: 4% !important;}\u00a0\u00bb]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[\/vc_raw_html][\/vc_column][vc_column width=\u00a0\u00bb1\/3&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1756992324908{margin-top: 10% !important;margin-right: 10% !important;margin-bottom: 10% !important;border-right-width: 5% !important;border-bottom-width: 5% !important;padding-right: 5% !important;}\u00a0\u00bb]<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6037\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Image40-scaled.png\" alt=\"\" width=\"260\" height=\"260\" srcset=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Image40-scaled.png 2560w, https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Image40-150x150.png 150w, https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Image40-20x20.png 20w\" sizes=\"auto, (max-width: 260px) 100vw, 260px\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756993409873{margin-top: 0% !important;border-top-width: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1756993339915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1767864522216{margin-top: 0% !important;}\u00a0\u00bb]\n<h2 style=\"text-align: justify; margin: 5;\"><span style=\"color: #ed7d31; font-size: 21px;\">IV. Conclusion<\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14px;\" data-teams=\"true\">L\u2019analyse des risques climatiques, qu\u2019ils soient physiques ou de transition, ainsi que leur \u00e9valuation et les sc\u00e9narios macro\u00e9conomiques associ\u00e9s, constitue une \u00e9tape essentielle pour comprendre leurs implications. Dans un prochain article, nous approfondirons cette r\u00e9flexion en examinant comment ces risques peuvent \u00eatre int\u00e9gr\u00e9s dans la mod\u00e9lisation du risque de cr\u00e9dit et influencer les pratiques financi\u00e8res.<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.commandstrategy.com\/fr\/expertise\/\"><strong>En savoir plus sur nos expertises<\/strong><\/a><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756977546044{margin-top: 1% !important;background-color: #f7f7f7 !important;}\u00a0\u00bb][vc_column][vc_column_text css=\u00a0\u00bb.vc_custom_1756977533446{margin-top: 3% !important;margin-bottom: 0% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]\n<h3 style=\"text-align: center;\" data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559683&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559737&quot;:0,&quot;335562764&quot;:2,&quot;335562765&quot;:1.15,&quot;335562766&quot;:4,&quot;335562767&quot;:0,&quot;335562768&quot;:4,&quot;335562769&quot;:0}\"><span style=\"font-size: 16px;\">Command Strategy vous aide \u00e0 mettre en \u0153uvre cette r\u00e9glementation gr\u00e2ce \u00e0 des solutions adapt\u00e9es \u00e0 vos enjeux. Pour toute demande d\u2019accompagnement, contactez notre \u00e9quipe.<\/span><\/h3>\n[\/vc_column_text][vc_btn title=\u00a0\u00bbContactez-nous\u00a0\u00bb style=\u00a0\u00bbclassic\u00a0\u00bb color=\u00a0\u00bbblack\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756977538450{margin-top: 2% !important;margin-bottom: 3% !important;}\u00a0\u00bb link=\u00a0\u00bburl:https%3A%2F%2Fwww.commandstrategy.com%2Fcontact%2F|target:_blank\u00a0\u00bb][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1755768322871{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb][vc_column][vc_column_text css=\u00a0\u00bb.vc_custom_1756978375387{margin-top: 3% !important;margin-bottom: 0% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]\n<div style=\"max-width: 380px; margin: 20px auto; border: 1px solid #eee; border-radius: 10px; padding: 20px; background: #fafafa; box-shadow: 0 2px 8px rgba(0,0,0,0.05); text-align: center;\">\n<p><img loading=\"lazy\" decoding=\"async\" style=\"border-radius: 50%; box-shadow: 0 2px 6px rgba(0,0,0,0.1); margin-bottom: 6px;\" src=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/Design-sans-titre-1.png\" alt=\"Vincent TARRIT\" width=\"90\" height=\"90\" \/><\/p>\n<div style=\"font-size: 12px; color: #999; margin-bottom: 2px; line-height: 1.2;\">Auteur<\/div>\n<div style=\"font-size: 16px; font-weight: bold; color: #111; margin-bottom: 2px; line-height: 1.3;\">Manon CHEVRINAIS<\/div>\n<div style=\"font-size: 14px; color: #666; line-height: 1.2;\">Consultante Exp\u00e9riment\u00e9e<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_column css=\u00a0\u00bb.vc_custom_1715255294334{padding-top: 5% !important;padding-bottom: 4% !important;}\u00a0\u00bb][\/vc_column][vc_column_inner][\/vc_column_inner]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756923884920{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1738663616915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1756991330445{margin-top: 0% !important;margin-bottom: 3% !important;border-top-width: 0% !important;border-bottom-width:&hellip;<\/p>\n","protected":false},"author":2,"featured_media":6048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-5542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"featured_image_src":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","author_info":{"display_name":"Tidia YETTOU","author_link":"https:\/\/www.commandstrategy.com\/fr\/author\/cmds\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risques climatiques : enjeux et impacts<\/title>\n<meta name=\"description\" content=\"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risques climatiques : enjeux et impacts\" \/>\n<meta property=\"og:description\" content=\"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\" \/>\n<meta property=\"og:site_name\" content=\"Command Strategy\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-03T15:36:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-08T09:31:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"783\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tidia YETTOU\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tidia YETTOU\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\"},\"author\":{\"name\":\"Tidia YETTOU\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/5dbd1656e88af114296e65484885d53c\"},\"headline\":\"Les risques climatiques\",\"datePublished\":\"2025-09-03T15:36:45+00:00\",\"dateModified\":\"2026-01-08T09:31:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\"},\"wordCount\":5529,\"publisher\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg\",\"articleSection\":[\"Articles\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\",\"url\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\",\"name\":\"Risques climatiques : enjeux et impacts\",\"isPartOf\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg\",\"datePublished\":\"2025-09-03T15:36:45+00:00\",\"dateModified\":\"2026-01-08T09:31:30+00:00\",\"description\":\"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage\",\"url\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg\",\"contentUrl\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg\",\"width\":1200,\"height\":783},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.commandstrategy.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Les risques climatiques\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#website\",\"url\":\"https:\/\/www.commandstrategy.com\/fr\/\",\"name\":\"Command Strategy\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.commandstrategy.com\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#organization\",\"name\":\"Command Strategy\",\"url\":\"https:\/\/www.commandstrategy.com\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2023\/10\/LogoCommandStrategy_Orange-1.jpg\",\"contentUrl\":\"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2023\/10\/LogoCommandStrategy_Orange-1.jpg\",\"width\":964,\"height\":458,\"caption\":\"Command Strategy\"},\"image\":{\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/5dbd1656e88af114296e65484885d53c\",\"name\":\"Tidia YETTOU\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1a7b17ef3b6192517a63690214027f59e57ed1b540e3b225cbd1dc2e86dcca12?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1a7b17ef3b6192517a63690214027f59e57ed1b540e3b225cbd1dc2e86dcca12?s=96&d=mm&r=g\",\"caption\":\"Tidia YETTOU\"},\"url\":\"https:\/\/www.commandstrategy.com\/fr\/author\/cmds\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Risques climatiques : enjeux et impacts","description":"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/","og_locale":"fr_FR","og_type":"article","og_title":"Risques climatiques : enjeux et impacts","og_description":"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.","og_url":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/","og_site_name":"Command Strategy","article_published_time":"2025-09-03T15:36:45+00:00","article_modified_time":"2026-01-08T09:31:30+00:00","og_image":[{"width":1200,"height":783,"url":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","type":"image\/jpeg"}],"author":"Tidia YETTOU","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Tidia YETTOU","Dur\u00e9e de lecture estim\u00e9e":"17 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#article","isPartOf":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/"},"author":{"name":"Tidia YETTOU","@id":"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/5dbd1656e88af114296e65484885d53c"},"headline":"Les risques climatiques","datePublished":"2025-09-03T15:36:45+00:00","dateModified":"2026-01-08T09:31:30+00:00","mainEntityOfPage":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/"},"wordCount":5529,"publisher":{"@id":"https:\/\/www.commandstrategy.com\/fr\/#organization"},"image":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage"},"thumbnailUrl":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","articleSection":["Articles"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/","url":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/","name":"Risques climatiques : enjeux et impacts","isPartOf":{"@id":"https:\/\/www.commandstrategy.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage"},"image":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage"},"thumbnailUrl":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","datePublished":"2025-09-03T15:36:45+00:00","dateModified":"2026-01-08T09:31:30+00:00","description":"Analyse des risques climatiques, de leurs enjeux et de leurs impacts pour les entreprises et les acteurs financiers.","breadcrumb":{"@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#primaryimage","url":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","contentUrl":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg","width":1200,"height":783},{"@type":"BreadcrumbList","@id":"https:\/\/www.commandstrategy.com\/fr\/risques-climatiques\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.commandstrategy.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Les risques climatiques"}]},{"@type":"WebSite","@id":"https:\/\/www.commandstrategy.com\/fr\/#website","url":"https:\/\/www.commandstrategy.com\/fr\/","name":"Command Strategy","description":"","publisher":{"@id":"https:\/\/www.commandstrategy.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.commandstrategy.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.commandstrategy.com\/fr\/#organization","name":"Command Strategy","url":"https:\/\/www.commandstrategy.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2023\/10\/LogoCommandStrategy_Orange-1.jpg","contentUrl":"https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2023\/10\/LogoCommandStrategy_Orange-1.jpg","width":964,"height":458,"caption":"Command Strategy"},"image":{"@id":"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/5dbd1656e88af114296e65484885d53c","name":"Tidia YETTOU","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.commandstrategy.com\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1a7b17ef3b6192517a63690214027f59e57ed1b540e3b225cbd1dc2e86dcca12?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1a7b17ef3b6192517a63690214027f59e57ed1b540e3b225cbd1dc2e86dcca12?s=96&d=mm&r=g","caption":"Tidia YETTOU"},"url":"https:\/\/www.commandstrategy.com\/fr\/author\/cmds\/"}]}},"rttpg_featured_image_url":{"full":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"landscape":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"portraits":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"thumbnail":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-150x150.jpg",150,150,true],"medium":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-300x300.jpg",300,300,true],"large":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-1024x668.jpg",1024,668,true],"1536x1536":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"2048x2048":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"post-thumbnail":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-80x75.jpg",80,75,true],"werkstatt-square":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-160x150.jpg",160,150,true],"werkstatt-slider":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"werkstatt-blog":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-320x200.jpg",320,200,true],"werkstatt-bloglarge":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-640x320.jpg",640,320,true],"werkstatt-masonry":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-640x418.jpg",640,418,true],"werkstatt-squarelarge":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-380x350.jpg",380,350,true],"werkstatt-rectangle":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-320x240.jpg",320,240,true],"werkstatt-tall":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-380x700.jpg",380,700,true],"werkstatt-wide":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-760x350.jpg",760,350,true],"werkstatt-square-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-80x300.jpg",80,300,true],"werkstatt-square-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-320x300.jpg",320,300,true],"werkstatt-square-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-480x450.jpg",480,450,true],"werkstatt-square-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x18.jpg",20,18,true],"werkstatt-slider-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-800x783.jpg",800,783,true],"werkstatt-slider-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"werkstatt-slider-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x11.jpg",20,11,true],"werkstatt-blog-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-160x400.jpg",160,400,true],"werkstatt-blog-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-640x400.jpg",640,400,true],"werkstatt-blog-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x12.jpg",20,12,true],"werkstatt-bloglarge-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-320x640.jpg",320,640,true],"werkstatt-bloglarge-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-1200x640.jpg",1200,640,true],"werkstatt-bloglarge-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x10.jpg",20,10,true],"werkstatt-masonry-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-320x209.jpg",320,209,true],"werkstatt-masonry-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"werkstatt-masonry-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"werkstatt-masonry-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x13.jpg",20,13,true],"werkstatt-squarelarge-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-190x700.jpg",190,700,true],"werkstatt-squarelarge-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-760x700.jpg",760,700,true],"werkstatt-squarelarge-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-1140x783.jpg",1140,783,true],"werkstatt-squarelarge-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x18.jpg",20,18,true],"werkstatt-rectangle-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-160x480.jpg",160,480,true],"werkstatt-rectangle-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-640x480.jpg",640,480,true],"werkstatt-rectangle-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-960x720.jpg",960,720,true],"werkstatt-rectangle-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x15.jpg",20,15,true],"werkstatt-tall-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-190x783.jpg",190,783,true],"werkstatt-tall-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-760x783.jpg",760,783,true],"werkstatt-tall-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-1140x783.jpg",1140,783,true],"werkstatt-tall-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x36.jpg",20,36,true],"werkstatt-wide-small":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-380x700.jpg",380,700,true],"werkstatt-wide-2x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-1200x700.jpg",1200,700,true],"werkstatt-wide-3x":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796.jpg",1200,783,false],"werkstatt-wide-mini":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-20x9.jpg",20,9,true],"psacp-medium":["https:\/\/www.commandstrategy.com\/wp-content\/uploads\/2025\/09\/iStock-1661126796-500x500.jpg",500,500,true]},"rttpg_author":{"display_name":"Tidia YETTOU","author_link":"https:\/\/www.commandstrategy.com\/fr\/author\/cmds\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.commandstrategy.com\/fr\/.\/articles\/\" rel=\"category tag\">Articles<\/a>","rttpg_excerpt":"[vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1756923884920{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1738663616915{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1756991330445{margin-top: 0% !important;margin-bottom: 3% !important;border-top-width: 0% !important;border-bottom-width:&hellip;","_links":{"self":[{"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/posts\/5542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/comments?post=5542"}],"version-history":[{"count":404,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/posts\/5542\/revisions"}],"predecessor-version":[{"id":6991,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/posts\/5542\/revisions\/6991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/media\/6048"}],"wp:attachment":[{"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/media?parent=5542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/categories?post=5542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.commandstrategy.com\/fr\/wp-json\/wp\/v2\/tags?post=5542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}