{"id":71989,"date":"2025-10-20T11:49:03","date_gmt":"2025-10-20T09:49:03","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=71989"},"modified":"2025-10-20T11:52:12","modified_gmt":"2025-10-20T09:52:12","slug":"parler-dargent-cest-aussi-de-leducation-financiere","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2025\/10\/20\/parler-dargent-cest-aussi-de-leducation-financiere\/","title":{"rendered":"\u00ab Parler d\u2019argent, c\u2019est aussi de l\u2019\u00e9ducation financi\u00e8re \u00bb"},"content":{"rendered":"\n<p>Le <strong>16 octobre<\/strong>, Urbanitae a particip\u00e9, aux c\u00f4t\u00e9s de Confidencial Digital, \u00e0 une table ronde sur l\u2019\u00e9ducation financi\u00e8re. Nous voulions cr\u00e9er un espace de r\u00e9flexion sur l\u2019\u00e9tat de <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/10\/07\/journee-de-leducation-financiere-investir-avec-connaissance-cest-investir-mieux\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=leducation_financiere_1&#038;utm_content=fr_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">l\u2019\u00e9ducation financi\u00e8re<\/a> en Espagne, ses lacunes structurelles et son r\u00f4le en tant qu\u2019outil d\u2019autonomie personnelle.<\/p>\n\n\n\n<p>Le d\u00e9bat, anim\u00e9 par <strong>Fernando Alonso<\/strong>, associ\u00e9 chez finReg360, a r\u00e9uni des repr\u00e9sentants des secteurs financier et du conseil : <strong>Leonardo L\u00f3pez (ODDO BHF), Jorge Gonz\u00e1lez-Iglesias (Gibobs Allbanks), Carlos Garc\u00eda Ciriza (Aseafi), Sara Carbonell (Banco BIG), Victoria Torre (Self Bank) et Jaime Albella (CFA Society Spain)<\/strong>. Urbanitae \u00e9tait repr\u00e9sent\u00e9 par notre CEO, Diego Bestard. Voici quelques-uns des th\u00e8mes abord\u00e9s lors de la conversation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La culture de l\u2019argent (et du silence)<\/h2>\n\n\n\n<p>Lors de son intervention, <strong>Diego Bestard<\/strong> a soulign\u00e9 que <a href=\"https:\/\/www.funcas.es\/documentos_trabajo\/cuando-falta-cultura-financiera-gestionar-la-economia-del-hogar-sin-herramientas-suficientes\/\" target=\"_blank\" rel=\"noreferrer noopener\">l\u2019\u00e9ducation financi\u00e8re en Espagne est non seulement rare<\/a>, mais reste aussi un sujet que l\u2019on \u00e9vite de discuter. \u00ab Aux \u00c9tats-Unis, il est courant de parler d\u2019argent en famille, \u00e0 l\u2019\u00e9cole ou entre amis. Ici, c\u2019est encore un tabou. L\u2019argent n\u2019est ni enseign\u00e9, ni discut\u00e9, et cela a des cons\u00e9quences \u00bb, a-t-il insist\u00e9.<\/p>\n\n\n\n<p>Alors que dans certains pays voisins les \u00e9l\u00e8ves \u00e9tudient le business d\u00e8s l\u2019\u00e2ge de 13 ans, en Espagne \u00ab l\u2019\u00e9conomie domestique et la gestion des finances personnelles restent absentes du programme scolaire \u00bb, a-t-il rappel\u00e9.<\/p>\n\n\n\n<p>Selon lui, <strong>l\u2019\u00e9ducation financi\u00e8re devrait \u00eatre enseign\u00e9e comme une mati\u00e8re principale<\/strong>, au m\u00eame niveau que l\u2019anglais ou les math\u00e9matiques. Mais elle doit aussi \u00eatre consid\u00e9r\u00e9e comme un changement culturel : \u00ab Il ne suffit pas d\u2019apprendre ce qu\u2019est l\u2019int\u00e9r\u00eat compos\u00e9 ; il faut normaliser la conversation sur l\u2019argent. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9pargner, investir et planifier<\/h2>\n\n\n\n<p>Le manque d\u2019\u00e9ducation financi\u00e8re a un impact direct sur la capacit\u00e9 des individus \u00e0 <strong><a href=\"https:\/\/blog.urbanitae.com\/fr\/2024\/03\/20\/4-risques-de-ne-pas-investir-vos-economies\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=epargner_investir_planifier_avenir&#038;utm_content=fr_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">\u00e9pargner, investir et planifier leur avenir<\/a><\/strong>. Beaucoup d\u2019Espagnols n\u2019ont pas de strat\u00e9gie financi\u00e8re et n\u2019utilisent pas pleinement les outils d\u2019investissement pour faire fructifier leur \u00e9pargne.<\/p>\n\n\n\n<p>\u00ab On n\u2019a pas besoin d\u2019\u00eatre \u00e9conomiste, mais tout le monde devrait avoir des notions de finances personnelles. G\u00e9rer ses revenus, ses d\u00e9penses et son \u00e9pargne devrait \u00eatre aussi fondamental que savoir lire ou \u00e9crire \u00bb, a soulign\u00e9 notre CEO.<\/p>\n\n\n\n<p>Plusieurs experts ont not\u00e9 la tendance des Espagnols au <strong>court-termisme<\/strong>, encore tr\u00e8s ancr\u00e9e. Par exemple, choisir syst\u00e9matiquement les d\u00e9p\u00f4ts bancaires alors qu\u2019il existe des options s\u00fbres et rentables permettant de construire un patrimoine \u00e0 long terme.<\/p>\n\n\n\n<p>Parmi les causes de ce comportement, Diego a cit\u00e9 <strong>le manque de planification<\/strong>, la confiance excessive dans le syst\u00e8me public de retraite et la faible formation fiscale. \u00ab En Espagne, il existe un sentiment de filet social \u2013 \u00c9tat, famille, amis \u2013 qui, bien que positif, r\u00e9duit l\u2019incitation \u00e0 planifier sur le long terme \u00bb, a-t-il expliqu\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fracture num\u00e9rique et nouvelles g\u00e9n\u00e9rations<\/h2>\n\n\n\n<p>L\u2019un des sujets les plus discut\u00e9s a \u00e9t\u00e9 <strong>l\u2019inclusion num\u00e9rique<\/strong>. Bien que les jeunes g\u00e9n\u00e9rations naviguent facilement dans l\u2019environnement num\u00e9rique, une part importante de la population a encore des difficult\u00e9s \u00e0 g\u00e9rer ses finances en ligne.<\/p>\n\n\n\n<p>Pourtant, Bestard a voulu souligner le r\u00f4le positif de la technologie : \u00ab La digitalisation a d\u00e9mocratis\u00e9 l\u2019acc\u00e8s \u00e0 l\u2019investissement. Aujourd\u2019hui, chacun peut investir facilement, en toute s\u00e9curit\u00e9 et de mani\u00e8re transparente, sans connaissances avanc\u00e9es. \u00bb<\/p>\n\n\n\n<p>Tout n\u2019est pas rose cependant. Les nouvelles g\u00e9n\u00e9rations montrent <strong>plus de curiosit\u00e9 et d\u2019int\u00e9r\u00eat pour l\u2019investissement et la compr\u00e9hension de l\u2019argent<\/strong>, mais cette curiosit\u00e9 doit \u00eatre accompagn\u00e9e de <strong>formation et de jugement<\/strong>. \u00ab La curiosit\u00e9 est bonne, mais sans connaissances elle peut entra\u00eener des erreurs. <a href=\"https:\/\/mkt.urbanitae.com\/urbanitae_academy.html?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_1025&amp;utm_term=leducation_financiere_2&amp;utm_content=fr_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">L\u2019\u00e9ducation financi\u00e8re<\/a> doit canaliser cette \u00e9nergie pour en faire des d\u00e9cisions \u00e9clair\u00e9es. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Espagne et Europe : deux vitesses<\/h2>\n\n\n\n<p><a href=\"https:\/\/blog.urbanitae.com\/fr\/2024\/11\/23\/pourquoi-manque-t-il-une-culture-de-linvestissement-en-espagne\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=lespagne_retard_europeens_matiere_deducation_financiere&#038;utm_content=fr_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">L\u2019Espagne accuse un retard par rapport \u00e0 d\u2019autres pays europ\u00e9ens en mati\u00e8re d\u2019\u00e9ducation financi\u00e8re<\/a>. Les intervenants ont partag\u00e9 le m\u00eame diagnostic : un syst\u00e8me \u00e9ducatif qui ne priorise pas la formation pratique, une culture qui \u00e9vite de parler d\u2019argent et une confiance excessive dans le r\u00f4le de l\u2019\u00c9tat pour r\u00e9pondre aux besoins \u00e9conomiques futurs.<\/p>\n\n\n\n<p>Malgr\u00e9 tout, il y a des raisons d\u2019\u00eatre optimiste et un sentiment d\u2019opportunit\u00e9. Un changement de tendance se fait sentir chez les jeunes g\u00e9n\u00e9rations. \u00ab Il y a plus d\u2019int\u00e9r\u00eat, plus de conscience et plus de volont\u00e9 d\u2019apprendre. L\u2019essentiel maintenant est de mettre les bons outils \u00e0 leur disposition \u00bb, a comment\u00e9 Bestard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Notre engagement en mati\u00e8re d\u2019\u00e9ducation financi\u00e8re<\/h2>\n\n\n\n<p>Chez Urbanitae, nous croyons que l\u2019\u00e9ducation financi\u00e8re est essentielle pour <strong>d\u00e9mocratiser l\u2019investissement et favoriser l\u2019autonomie \u00e9conomique<\/strong>. C\u2019est pourquoi nous avons lanc\u00e9 <strong><a href=\"https:\/\/mkt.urbanitae.com\/urbanitae_academy.html?utm_source=blog_fr&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_1025&amp;utm_term=urbanitae_academy&amp;utm_content=fr_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">Urbanitae Academy<\/a><\/strong>, une plateforme gratuite qui aide toute personne \u2013 investisseur ou non \u2013 \u00e0 acqu\u00e9rir des connaissances de base sur l\u2019\u00e9pargne, le risque et l\u2019investissement immobilier.<\/p>\n\n\n\n<p>Nous continuons \u00e0 d\u00e9velopper de nouveaux contenus et cours qui seront publi\u00e9s <strong>avant la fin de l\u2019ann\u00e9e<\/strong>, dans le but de promouvoir une culture financi\u00e8re plus ouverte, consciente et accessible \u00e0 tous.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e9ducation financi\u00e8re en Espagne est limit\u00e9e, mais l\u2019int\u00e9r\u00eat des jeunes g\u00e9n\u00e9rations et la num\u00e9risation ouvrent des opportunit\u00e9s.<\/p>\n","protected":false},"author":1,"featured_media":72121,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[832,1026],"tags":[1747,833,829],"class_list":["post-71989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apprendre-a-investir","category-investissement-immobilier-fr","tag-diego-bestard-fr","tag-education-financiere","tag-investissement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00ab Parler d\u2019argent, c\u2019est aussi de l\u2019\u00e9ducation financi\u00e8re \u00bb<\/title>\n<meta name=\"description\" content=\"\u00c9ducation financi\u00e8re en Espagne : d\u00e9fis, lacunes et opportunit\u00e9s 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avenir.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/fr\\\/2025\\\/10\\\/20\\\/parler-dargent-cest-aussi-de-leducation-financiere\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blog.urbanitae.com\\\/fr\\\/2025\\\/10\\\/20\\\/parler-dargent-cest-aussi-de-leducation-financiere\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/fr\\\/2025\\\/10\\\/20\\\/parler-dargent-cest-aussi-de-leducation-financiere\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/edudacion-financiera-en-espana.webp\",\"contentUrl\":\"https:\\\/\\\/blog.urbanitae.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/edudacion-financiera-en-espana.webp\",\"width\":1400,\"height\":735,\"caption\":\"Hablar de dinero tambi\u00e9n es educaci\u00f3n financiera. Talking about money is also financial education. Parler d\u2019argent, c\u2019est aussi de l\u2019\u00e9ducation financi\u00e8re. Parlare di denaro \u00e8 anche educazione finanziaria. 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