Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Barreau : Paris

Adresse : 2 AVENUE HOCHE 75008 PARIS

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Publié le 09/06/2023

Qu’est-ce que l’investissement en biens divers ?

Article juridique - Droit bancaire et boursier

Par Me Anne-Sophie RAMOND

Qu’est-ce que l’investissement en biens divers ?

L’investissement en bien divers permet à un épargnant de réaliser un placement financier dans un domaine différent des placements financiers traditionnels, type assurance-vie.

Les épargnants peuvent alors placer leur capital dans des produits atypiques, par exemple Vin, bois, œuvre d’art, sous couvert d’une promesse d’un rendement élevé.

Le statut des bien divers a été introduit dans les années 1980 afin d’encadrer l’activité des intermédiaires proposant des opérations sur des produits d’investissement dit atypiques.

A la suite de nombreux contournements de la loi obligeant l’AMF à informer les épargnants sur les dangers de certaines ventes, la Loi Hamon du 17 mars 2014 a sécurisé le régime de l’investissement en bien divers en le définissant plus précisément.

Ainsi, constitue un intermédiaire d’investissement en bien divers : « toute personne qui propose à un ou plusieurs clients ou clients potentiels d’acquérir des droits sur un ou plusieurs biens en mettant en avant la possibilité d’un rendement financier direct ou indirect ou ayant un effet économique similaire. »

En l’espèce, la définition de l’intermédiaire en bien divers a été élargie afin de le définir en fonction des modalités de commercialisation des produits.

La volonté du législateur était de protéger les épargnants face aux dérives de ce type d’investissement en raison de l’augmentation des litiges opposant commercialisateur et épargnant.