{"id":7714,"date":"2016-03-16T12:47:29","date_gmt":"2016-03-16T16:47:29","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=7714"},"modified":"2022-01-13T12:47:43","modified_gmt":"2022-01-13T16:47:43","slug":"quelle-institution-financiere-choisir-et-pourquoi","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/quelle-institution-financiere-choisir-et-pourquoi\/","title":{"rendered":"Quelle institution financi\u00e8re choisir et pourquoi?"},"content":{"rendered":"

Pour pr\u00e9parer au mieux votre arriv\u00e9e au Qu\u00e9bec, vous avez beaucoup \u00e0 faire, notamment en ce qui concerne votre argent. Mais quelle institution financi\u00e8re choisir et pourquoi? Voici quelques explications qui vous aideront \u00e0 y voir plus clair.<\/p>\n

Sachez avant tout que le syst\u00e8me financier canadien est consid\u00e9r\u00e9 comme \u00ab le plus solide au monde \u00bb, selon une \u00e9tude r\u00e9cente du Conference Board du Canada<\/em>, un organisme de recherche \u00e9conomique ind\u00e9pendant internationalement reconnu. Quel que soit votre choix, votre argent sera donc entre bonnes mains.<\/p>\n

Banque ou coop\u00e9rative de services financiers : c’est vous qui d\u00e9cidez<\/strong><\/span><\/span><\/h2>\n

Au Qu\u00e9bec, vous entendrez parler de banques et de coop\u00e9ratives de services financiers tel que Desjardins. Bien que ces institutions financi\u00e8res pr\u00e9sentent des diff\u00e9rences, elles vous offrent toutes la possibilit\u00e9 de :<\/p>\n

    \n
  • d\u00e9poser votre argent<\/li>\n
  • retirer de l’argent<\/li>\n
  • emprunter de l’argent<\/li>\n
  • obtenir une carte de cr\u00e9dit<\/li>\n
  • payer vos factures<\/li>\n
  • effectuer des placements<\/li>\n
  • etc.<\/li>\n<\/ul>\n\n\n\n
    \n
    <\/div>\n
    Notez qu’en ce qui concerne l’octroi d’un pr\u00eat ou d’un cr\u00e9dit, toutes les institutions financi\u00e8res examinent le dossier de cr\u00e9dit de leurs clients<\/strong> pour \u00e9valuer le risque qu’ils repr\u00e9sentent. En tant que nouvel arrivant, si vous n’avez pas de dossier de cr\u00e9dit; celui-ci sera cr\u00e9\u00e9 lorsque vous ferez votre premi\u00e8re demande de pr\u00eat ou de cr\u00e9dit. Il sera alors tr\u00e8s important de faire vos remboursements et de payer vos comptes \u00e0 temps pour conserver un bon pointage \u00a0 de cr\u00e9dit<\/strong>. C’est principalement sur ce chiffre que les pr\u00eateurs se baseront pour accepter ou refuser de vous consentir un pr\u00eat ou du cr\u00e9dit.<\/div>\n
    <\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Voici un tableau qui illustre les principales diff\u00e9rences entre les banques et les coop\u00e9ratives de services financiers au Canada.<\/strong><\/p>\n\n\n\n\n\n\n\n\n
    \n

    Banque<\/strong><\/p>\n<\/td>\n

    		\n

    Coop\u00e9rative de services financiers<\/strong><\/p>\n<\/td>\n<\/tr>\n

    \n
    <\/div>\n
    Soci\u00e9t\u00e9 \u00e0 but lucratif.<\/div>\n<\/td>\n
    		\n
    <\/div>\n
    Soci\u00e9t\u00e9 sans but lucratif ayant pour principale mission de contribuer au mieux-\u00eatre \u00e9conomique et social des personnes et des collectivit\u00e9s.<\/div>\n
    <\/div>\n<\/td>\n<\/tr>\n
    \n
    <\/div>\n
    Vous n\u2019avez pas \u00e0 \u00eatre membre pour ouvrir un compte.<\/div>\n<\/td>\n
    		\n
    <\/div>\n
    Vous devez devenir membre pour ouvrir un compte. Pour devenir membre, il faut acqu\u00e9rir une part sociale, g\u00e9n\u00e9ralement offerte pour une somme modique.<\/div>\n
    <\/div>\n<\/td>\n<\/tr>\n
    \n
    <\/div>\n
    D\u00e9tenue par des actionnaires. Les actions sont vendues en Bourse. Une action = un vote lors de l\u2019assembl\u00e9e g\u00e9n\u00e9rale annuelle.<\/div>\n
    <\/div>\n<\/td>\n
    		\n
    <\/div>\n
    D\u00e9tenue par les membres. Le fait d\u2019\u00eatre membre vous donne le droit de vote et vous permet de faire partie du conseil d\u2019administration ou de comit\u00e9s et, ainsi, de choisir les orientations de la coop\u00e9rative.<\/div>\n
    <\/div>\n<\/td>\n<\/tr>\n
    \n
    <\/div>\n
    Au Canada, on trouve des banques de propri\u00e9t\u00e9 canadienne et \u00e9trang\u00e8re.<\/div>\n<\/td>\n
    		\n
    <\/div>\n
    Le lien qui unit les membres est variable. C\u2019est parfois la reli\u00adgion, l\u2019ethnie, l\u2019int\u00e9r\u00eat social, la profession, l\u2019emploi ou la r\u00e9gion g\u00e9ographique.<\/div>\n
    <\/div>\n<\/td>\n<\/tr>\n
    \n
    <\/div>\n
    Jusqu\u2019\u00e0 100 000 $ d\u2019assurance-d\u00e9p\u00f4ts par l\u2019interm\u00e9diaire de la Soci\u00e9t\u00e9 d\u2019assurance-d\u00e9p\u00f4ts du Canada (SADC). Cette assurance signifie que vous r\u00e9cup\u00e9rerez votre argent si la banque fait faillite. L’assurance ne couvre que les comptes de d\u00e9p\u00f4t et non les produits de placement qui fluctuent en valeur.<\/div>\n
    L\u2019assurance est accord\u00e9e par personne et par institu\u00adtion financi\u00e8re. Les comptes conjoints et les r\u00e9gimes enregistr\u00e9s sont assurables s\u00e9par\u00e9ment.<\/div>\n
    <\/div>\n<\/td>\n
    		\n
    <\/div>\n
    L\u2019assurance-d\u00e9p\u00f4ts varie selon la province. Elle va de 100 000 $ \u00e0 un montant illimit\u00e9. Tout comme pour les banques, cette assurance vous garantit que vous r\u00e9cup\u00e9rerez votre argent si la caisse populaire ou la coop\u00e9rative de cr\u00e9dit fait faillite. Elle ne couvre que les comptes de d\u00e9p\u00f4t et non les produits de placement qui fluctuent en valeur. L\u2019assurance est accord\u00e9e par personne et par institu\u00adtion financi\u00e8re. Les comptes conjoints et les r\u00e9gimes enregistr\u00e9s sont assurables s\u00e9par\u00e9ment.<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Les coop\u00e9ratives : des diff\u00e9rences qui rapportent<\/strong><\/span><\/span><\/h2>\n

    La ristourne<\/strong><\/h3>\n

    \u00c0 la fin de l’ann\u00e9e, les exc\u00e9dents g\u00e9n\u00e9r\u00e9s au cours de l’ann\u00e9e sont r\u00e9investis dans la coop\u00e9rative, mais aussi redistribu\u00e9s aux membres et \u00e0 leur communaut\u00e9, plut\u00f4t qu’\u00e0 des actionnaires externes. C\u2019est lors de l\u2019assembl\u00e9e g\u00e9n\u00e9rale annuelle que les membres sont appel\u00e9s \u00e0 voter sur la r\u00e9partition des exc\u00e9dents. Cette ristourne est g\u00e9n\u00e9ralement remise aux membres au prorata des int\u00e9r\u00eats gagn\u00e9s ou pay\u00e9s durant l’ann\u00e9e.<\/p>\n

    \u00catre membre d\u2019une coop\u00e9rative \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/h3>\n

    Lors de l\u2019ouverture de votre compte, vous achetez votre part sociale (environ 5 $). Vous ne la payez qu’une fois et elle vous sera rembours\u00e9e si vous fermez votre compte. En agissant ainsi, vous devenez copropri\u00e9taire d\u2019une coop\u00e9rative de services financiers et profitez de tous les produits et services financiers qu\u2019elle offre. Et vous posez aussi un geste pour la collectivit\u00e9! En effet, les coop\u00e9ratives utilisent chaque ann\u00e9e une partie de leurs exc\u00e9dents pour financer des \u0153uvres charitables, des organismes de d\u00e9veloppement de quartier, des bourses d’\u00e9tudes, etc.<\/p>\n

    Faire partie du conseil d’administration<\/strong><\/h3>\n

    Tous les membres de la coop\u00e9rative peuvent, s\u2019ils le d\u00e9sirent, pr\u00e9senter leur candidature pour faire partie du conseil d\u2019administration. Ce sont les autres membres, lors de l\u2019assembl\u00e9e g\u00e9n\u00e9rale, qui proc\u00e8dent \u00e0 l\u2019\u00e9lection de leurs dirigeants. C\u2019est un excellent moyen de participer \u00e0 la vie de votre communaut\u00e9 et d\u2019en apprendre encore plus sur le syst\u00e8me financier et le monde coop\u00e9ratif.<\/p>\n

    Quelle que soit l\u2019institution financi\u00e8re que vous choisirez, n’h\u00e9sitez pas \u00e0 communiquer avec un conseiller pour lui poser vos questions ou pour prendre rendez-vous. Pensez aussi \u00e0 consulter les sites Web des institutions financi\u00e8res \u2013 ce sont \u00e9galement d’excellentes sources d’information!<\/p>\n","protected":false},"excerpt":{"rendered":"

    Pour pr\u00e9parer au mieux votre arriv\u00e9e au Qu\u00e9bec, vous avez beaucoup \u00e0 faire, notamment en ce qui concerne votre argent. Mais quelle institution financi\u00e8re choisir et pourquoi? Voici quelques explications qui vous aideront \u00e0 y voir plus clair. Sachez avant tout que le syst\u00e8me financier canadien est consid\u00e9r\u00e9 comme \u00ab le plus solide au monde […]<\/p>\n","protected":false},"author":3459,"featured_media":7715,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-7714","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"\nQuelle institution financi\u00e8re choisir et pourquoi? - Immigrant Qu\u00e9bec<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/quelle-institution-financiere-choisir-et-pourquoi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelle institution financi\u00e8re choisir et pourquoi? - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Pour pr\u00e9parer au mieux votre arriv\u00e9e au Qu\u00e9bec, vous avez beaucoup \u00e0 faire, notamment en ce qui concerne votre argent. 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