{"id":877,"date":"2020-10-15T19:13:34","date_gmt":"2020-10-15T17:13:34","guid":{"rendered":"https:\/\/www.amasisa.com\/?p=877"},"modified":"2021-05-11T20:21:26","modified_gmt":"2021-05-11T18:21:26","slug":"quelle-finance-pour-lagriculture-regenerative","status":"publish","type":"post","link":"https:\/\/www.amasisa.com\/fr\/quelle-finance-pour-lagriculture-regenerative\/","title":{"rendered":"Quelle finance pour l\u2019agriculture r\u00e9g\u00e9n\u00e9rative ?"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\tEntre aides publiques, pr\u00eats bancaires et financements innovants, l\u2019agriculture fran\u00e7aise et europ\u00e9enne poss\u00e8de une vari\u00e9t\u00e9 de m\u00e9canismes pour se financer. Le financement de l\u2019agriculture pr\u00e9sente cependant des diff\u00e9rences majeures avec d\u2019autres secteurs productifs qui tiennent \u00e0 la nature m\u00eame de l\u2019activit\u00e9 agricole. Ces diff\u00e9rences sont d\u2019autant plus ressenties lorsque les projets agricoles sont innovants, respectueux de l\u2019environnement et de petite et moyenne \u00e9chelle.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Les fonds de la Politique Agricole Commune (PAC) : moteur \u00e0 g\u00e9om\u00e9trie variable du financement agricole<\/strong><\/p>

Plus ancienne politique commune au niveau Europ\u00e9en la PAC a pris plusieurs formes depuis sa mise en place en 1962. Son objectif premier \u00e9tait l\u2019autosuffisance alimentaire de l\u2019Europe dans les ann\u00e9es 70 et 80, l\u2019incitation \u00e9tant donc \u00e0 l\u2019augmentation de la productivit\u00e9. C\u2019est ainsi que l\u2019Union Europ\u00e9enne et la France se sont donc retrouv\u00e9es en exc\u00e9dent de certains produits laitiers et de prot\u00e9ines animales. En 1992, la PAC a chang\u00e9 de crit\u00e8res et ne r\u00e9mun\u00e8re d\u00e9sormais plus en fonction de la productivit\u00e9 mais en fonction de la taille des exploitations. Les exploitations qui per\u00e7oivent le plus d\u2019aides sont donc celles qui ont le plus souvent recours \u00e0 la m\u00e9canisation et aux intrants chimiques. D\u2019une certaine mani\u00e8re, la PAC accompagne d\u2019avantage l\u2019agriculture conventionnelle et les exploitations les plus susceptibles d\u2019endommager l\u2019environnement.<\/p>

Actuellement, 9 milliards d\u2019euros sont per\u00e7us chaque ann\u00e9e par la France, pays qui touche le plus de subventions de la PAC. Ce montant, s\u2019il est cons\u00e9quent d\u2019un point de vue financier, cache aussi une r\u00e9alit\u00e9 effrayante : pr\u00e8s de la moiti\u00e9 des exploitations fran\u00e7aises serait en d\u00e9ficit sans les subventions de la PAC.<\/p>

D\u2019autre part, il est important de rappeler que des m\u00e9canismes de financement de projets agricoles respectueux de l\u2019environnement \u00e0 petite et moyenne \u00e9chelle existent au sein de la PAC. Mais les formalit\u00e9s pour obtenir ces aides pour l\u2019agroforesterie par exemple, sont extr\u00eamement complexes et inadapt\u00e9es aux exploitations de petite et moyenne taille. Cela rend donc difficile l\u2019obtention de ces aides, alors que ce sont des initiatives qui vont dans le sens d\u2019une agriculture respectueuse de l\u2019environnement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Agriculture durable & pr\u00eats bancaires conventionnels : deux mondes qui ne parlent pas la m\u00eame langue.<\/strong><\/p>

Il n\u2019y a pas de probl\u00e8me de financement de l\u2019agriculture conventionnelle en France aujourd\u2019hui. L\u2019acc\u00e8s \u00e0 des pr\u00eats \u00e0 des taux comp\u00e9titifs est assur\u00e9 par les banques. Un agriculteur fran\u00e7ais emprunte \u00e0 un taux d\u2019environ 1,5% selon le Cr\u00e9dit Agricole, ce qui est bien en dessous de la moyenne europ\u00e9enne. Le probl\u00e8me est qu\u2019il faut d\u00e9sormais engager de lourds investissements pour pouvoir se lancer. Selon Christophe Roubin, directeur de l\u2019Agriculture au sein du Cr\u00e9dit Agricole, \u00ab il faut, pour initier une activit\u00e9 de production laiti\u00e8re de 300 000 litres, un ticket d\u2019entr\u00e9e minimum de 600 000 euros. \u00bb Ceci illustre de fa\u00e7on concr\u00e8te comment l\u2019\u00e9cosyst\u00e8me de financement de l\u2019outil de production agricole favorise les grandes exploitations et leur d\u00e9marche productiviste.<\/p>

Ce qui est vrai pour l\u2019agriculture conventionnelle ne l\u2019est pas forc\u00e9ment pour l\u2019agriculture r\u00e9g\u00e9n\u00e9ratrice dont les sp\u00e9cificit\u00e9s restent aujourd\u2019hui mal valoris\u00e9es par les acteurs financiers. Les diff\u00e9rentes techniques mises en \u0153uvre dans le cadre d\u2019une agriculture r\u00e9g\u00e9n\u00e9ratrice n\u00e9cessitent g\u00e9n\u00e9ralement un temps suppl\u00e9mentaire avant de pouvoir retrouver une production r\u00e9siliente. Cette notion de r\u00e9silience, dont les effets positifs sur l\u2019environnement, le social et l\u2019\u00e9conomie se per\u00e7oivent dans la dur\u00e9e, est devenue un enjeu majeur dans un contexte d\u2019incertitude climatique et sociale. Il va donc devenir n\u00e9cessaire d\u2019adapter l\u2019\u00e9chelle de temps des mod\u00e8les de financement associ\u00e9 aux cultures p\u00e9rennes notamment de mani\u00e8re \u00e0 permettre la mise en place de mod\u00e8les agricoles vertueux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Le financement participatif et solidaire : une solution pour les projets agricoles alternatifs<\/strong><\/p>\n

Le financement participatif sur des plateformes telles que WiSEED par exemple, joue un r\u00f4le nouveau dans le d\u00e9veloppement d\u2019une agriculture alternative. La France est l\u2019un des pays qui \u00e9pargne le plus en Europe et dans le monde avec pr\u00e8s de 15% des revenus bruts qui sont th\u00e9sauris\u00e9s. Il devient donc pertinent de proposer \u00e0 cette \u00e9pargne le financement de projets agricoles innovants et respectueux de l\u2019environnement. Dans un contexte o\u00f9 les attentes en mati\u00e8re d\u2019alimentation et de sant\u00e9 sont de plus en plus exigeantes, ces nouveaux modes de financement permettent de rapprocher agriculteurs et consommateurs.<\/p>\n

C\u2019est justement un des leviers que nous utilisons pour financer Amandera, soci\u00e9t\u00e9 de l\u2019\u00e9conomie sociale et solidaire qui transforme des sols agricoles d\u00e9grad\u00e9s en \u00e9cosyst\u00e8mes vivants et respectueux de la biodiversit\u00e9.
<\/p>\n

Nous sommes partis du constat que le mod\u00e8le agricole dominant actuel est incompatible avec les enjeux socio-environnementaux de notre temps et proposons de construire les projets agricoles qui r\u00e9pondent aux d\u00e9fis climatiques et \u00e9conomiques de ce si\u00e8cle.<\/p>\n

Vous pouvez donc participer \u00e0 cette transformation \u00e0 travers notre campagne WiSEED, accessible sur le lien suivant : https:\/\/www.wiseed.com\/fr\/projet\/33115123-amandera<\/a> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\"Alexandre\"\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t
Alexandre Muller<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
Charg\u00e9 de projets Forest Finance<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Entre aides publiques, pr\u00eats bancaires et financements innovants, l\u2019agriculture fran\u00e7aise et europ\u00e9enne poss\u00e8de une vari\u00e9t\u00e9 de m\u00e9canismes pour se financer. Le financement de l\u2019agriculture pr\u00e9sente cependant des diff\u00e9rences majeures avec d\u2019autres secteurs productifs qui tiennent \u00e0 la nature m\u00eame de l\u2019activit\u00e9 agricole. Ces diff\u00e9rences sont d\u2019autant plus ressenties lorsque les projets agricoles sont innovants, respectueux […]<\/p>\n","protected":false},"author":1,"featured_media":588,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"\nQuelle finance pour l\u2019agriculture r\u00e9g\u00e9n\u00e9rative ? - Amasisa<\/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:\/\/www.amasisa.com\/quelle-finance-pour-lagriculture-regenerative\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quelle finance pour l\u2019agriculture r\u00e9g\u00e9n\u00e9rative ? - Amasisa\" \/>\n<meta property=\"og:description\" content=\"Entre aides publiques, pr\u00eats bancaires et financements innovants, l\u2019agriculture fran\u00e7aise et europ\u00e9enne poss\u00e8de une vari\u00e9t\u00e9 de m\u00e9canismes pour se financer. 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