{"id":6345,"date":"2023-01-15T15:54:27","date_gmt":"2023-01-15T20:54:27","guid":{"rendered":"https:\/\/cdialumni.ecademydj.com\/?p=6345"},"modified":"2023-01-15T15:54:27","modified_gmt":"2023-01-15T20:54:27","slug":"de-la-finance-utile","status":"publish","type":"post","link":"https:\/\/cdialumni.ecademydj.com\/fr\/2023\/01\/15\/de-la-finance-utile\/","title":{"rendered":"De la finance utile\u2026"},"content":{"rendered":"<h3><strong>Par Dominique Jacquet<\/strong><\/h3>\n<p><img decoding=\"async\" class=\"alignnone wp-image-6340 size-full\" src=\"https:\/\/cdialumni.ecademydj.com\/wp-content\/uploads\/2023\/01\/thesejan2023.jpeg\" alt=\"\" width=\"1024\" height=\"&quot;683\" srcset=\"https:\/\/cdialumni.ecademydj.com\/wp-content\/uploads\/2023\/01\/thesejan2023.jpeg 1382w, https:\/\/cdialumni.ecademydj.com\/wp-content\/uploads\/2023\/01\/thesejan2023-300x200.jpeg 300w, https:\/\/cdialumni.ecademydj.com\/wp-content\/uploads\/2023\/01\/thesejan2023-1024x683.jpeg 1024w, https:\/\/cdialumni.ecademydj.com\/wp-content\/uploads\/2023\/01\/thesejan2023-768x512.jpeg 768w\" sizes=\"(max-width: 1382px) 100vw, 1382px\" \/><\/p>\n<p>La semaine derni\u00e8re, j\u2019ai eu le plaisir de faire soutenir un de mes th\u00e9sards.<\/p>\n<p>&nbsp;<\/p>\n<p>Ce moment est toujours tr\u00e8s particulier (surtout pour le th\u00e9sard\u2026), car il fixe un point d\u2019\u00e9tape crucial dans une carri\u00e8re acad\u00e9mique, mais aussi parce qu\u2019il permet un dialogue autour d\u2019une avanc\u00e9e th\u00e9orique et, parfois, pratique dans un sujet d\u2019importance.<\/p>\n<p>&nbsp;<\/p>\n<p>La th\u00e8se \u00e9tait consacr\u00e9e \u00e0 l\u2019utilisation des financements \u00ab\u00a0mezzanine\u00a0\u00bb dans le d\u00e9veloppement de projets d\u2019\u00e9nergie renouvelables. L\u2019une des questions centrales \u00e9tait\u00a0: l\u2019utilisation de tels financements sophistiqu\u00e9s est-elle un \u00e9l\u00e9ment d\u00e9terminant dans la r\u00e9ussite du montage financier ? En observant un portefeuille repr\u00e9sentatif de projets, le candidat concluait \u00e0 l\u2019existence d\u2019une corr\u00e9lation robuste entre mobilisation de l\u2019outil et succ\u00e8s de l\u2019op\u00e9ration.<\/p>\n<p>&nbsp;<\/p>\n<p>Ce premier constat \u00e9tait particuli\u00e8rement agr\u00e9able \u00e0 entendre. En effet, le monde financier est souvent accus\u00e9 de d\u00e9velopper des innovations financi\u00e8res dans le but de s\u2019approprier des b\u00e9n\u00e9fices significatifs, parfois au d\u00e9triment de la valeur cr\u00e9\u00e9e au sein des parties prenantes, clients, \u00c9tats ou citoyens\u2026 En l\u2019occurrence, la finance structur\u00e9e\u00a0 apporte un support appr\u00e9ciable \u00e0 la gestion du changement climatique, c\u2019est une belle conclusion.<\/p>\n<p>&nbsp;<\/p>\n<p>Sur un plan th\u00e9orique, le d\u00e9bat (convivial et constructif !) avec le jury a port\u00e9 sur le passage d\u2019une corr\u00e9lation statistique \u00e0 l\u2019\u00e9tablissement d\u2019une relation causale.<\/p>\n<p>&nbsp;<\/p>\n<p>Cette question est critique dans la probl\u00e9matique financi\u00e8re. Nous observons les acteurs financiers, en l\u2019occurrence des investisseurs, et leurs d\u00e9cisions d\u2019investissement, et constatons que celles-ci sont coh\u00e9rentes avec les hypoth\u00e8ses de comportement. Mais, il faut toujours \u00eatre modeste dans les conclusions. Si A et B sont corr\u00e9l\u00e9s, cela peut signifier que A implique B, ou B implique A, ou qu\u2019il existe C qui implique A et B, tiers facteur parfois difficile \u00e0 identifier.<\/p>\n<p>&nbsp;<\/p>\n<p>Or, la finance dite \u00ab\u00a0moderne\u00a0\u00bb est construite sur ce type d\u2019inf\u00e9rence. La th\u00e9orie du portefeuille constate que l\u2019on peut significativement r\u00e9duire le risque, c\u2019est-\u00e0-dire la variabilit\u00e9 du rendement, en constituant un portefeuille diversifi\u00e9 de titres, et en d\u00e9duit que l\u2019investisseur avis\u00e9 ne va pas mettre tous ses \u0153ufs dans le m\u00eame panier (disparition du risque sp\u00e9cifique) pour optimiser le couple risque \u2013 rendement, et n\u2019exigera une prime de risque que sur sa partie r\u00e9siduelle et non diversifiable, la corr\u00e9lation avec le march\u00e9, le risque syst\u00e9matique.<\/p>\n<p>&nbsp;<\/p>\n<p>Cette avanc\u00e9e consid\u00e9rable, due \u00e0 Markowitz, Sharpe et d\u2019autres, s\u2019appelle le MEDAF et constitue la base de calcul largement utilis\u00e9e par les directions financi\u00e8res pour calculer le taux d\u2019actualisation des projets d\u2019investissements, \u00e9valuer des acquisitions et mesurer la performance des activit\u00e9s op\u00e9rationnelles. Pourquoi a-t-on besoin d\u2019un mod\u00e8le d\u00e9crivant l\u2019exigence de rendement d\u2019un investisseur ? Parce que l\u2019on ne peut pas tous les interviewer, que l\u2019envoi d\u2019un questionnaire donnerait des r\u00e9sultats incomplets et biais\u00e9s, etc. De fait, on essaye de les \u00ab\u00a0espionner\u00a0\u00bb en analysant leur comportement pour en d\u00e9duire leur \u00ab\u00a0fonction d\u2019utilit\u00e9\u00a0\u00bb. Pour \u00eatre honn\u00eate, le r\u00e9sultat n&#8217;est pas brillant, car toute personne ayant calcul\u00e9 des \u00ab\u00a0b\u00eatas\u00a0\u00bb dans sa carri\u00e8re a bien not\u00e9 que la variance expliqu\u00e9e repr\u00e9sentait souvent un maigre 20% ou 30% de la variance totale (vous vous rappelez du R<sup>2<\/sup> de vos cours de statistique ?), ce qui signifie que la motivation de l\u2019investisseur nous est, en fait, largement inconnue\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>La th\u00e9orie financi\u00e8re offre des mod\u00e8les, parfois bien utiles, mais qui ne sont que des tentatives limit\u00e9es d\u2019explications de ph\u00e9nom\u00e8nes observ\u00e9es. Il nous faut, donc, \u00eatre tr\u00e8s modestes quant \u00e0 la port\u00e9e de notre \u00ab\u00a0savoir\u00a0\u00bb en d\u00e9pit des propos tr\u00e8s cat\u00e9goriques tenus par quelques confr\u00e8res dogmatiques qui confondent r\u00e9sultats \u00e9conom\u00e9triques et V\u00e9rit\u00e9 r\u00e9v\u00e9l\u00e9e\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>La soutenance s\u2019est achev\u00e9e avec les f\u00e9licitations du jury, les applaudissements de la salle et un d\u00e9jeuner tr\u00e8s sympathique et convivial. Bravo, Sylv\u00e8re, et bienvenue dans la communaut\u00e9 des enseignants-chercheurs, il y a encore beaucoup de travail qui nous attend !<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Par Dominique Jacquet La semaine derni\u00e8re, j\u2019ai eu le plaisir de faire soutenir un de mes&hellip;<\/p>\n","protected":false},"author":2,"featured_media":6343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>De la finance utile\u2026 - 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