{"id":4076,"date":"2024-08-19T15:46:49","date_gmt":"2024-08-19T15:46:49","guid":{"rendered":"https:\/\/techhub.saworks.io\/?post_type=docs&#038;p=4076"},"modified":"2025-06-27T16:57:25","modified_gmt":"2025-06-27T16:57:25","slug":"comment-creer-un-produit-de-depot-a-terme","status":"publish","type":"docs","link":"https:\/\/techhub.saworks.io\/fr\/docs\/produit-de-banque\/produits-de-depot-a-terme\/comment-creer-un-produit-de-depot-a-terme\/","title":{"rendered":"Comment cr\u00e9er un Produit de D\u00e9p\u00f4t \u00e0 Terme ?"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Un\u00a0<strong>Produit de D\u00e9p\u00f4t \u00e0 Terme<\/strong>\u00a0(ou\u00a0<em>Compte \u00e0 Terme<\/em>) d\u00e9finit les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes applicables aux offres de d\u00e9p\u00f4ts \u00e0 terme d&rsquo;une institution financi\u00e8re. Il sert de mod\u00e8le pour la cr\u00e9ation de comptes clients.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Informations requises<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Identification<\/strong>\n<ul class=\"wp-block-list\">\n<li>Nom, description et code du produit<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Conditions<\/strong>\n<ul class=\"wp-block-list\">\n<li>Dur\u00e9e, taux d&rsquo;int\u00e9r\u00eat, montant minimum<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Param\u00e8tres<\/strong>\n<ul class=\"wp-block-list\">\n<li>Options de renouvellement, p\u00e9nalit\u00e9s de retrait anticip\u00e9<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Frais<\/strong>\n<ul class=\"wp-block-list\">\n<li>Frais de gestion, commissions<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Comptabilit\u00e9<\/strong>\n<ul class=\"wp-block-list\">\n<li>Comptes d&rsquo;affectation (actif\/passif)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Proc\u00e9dure de cr\u00e9ation<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Acc\u00e9dez \u00e0 l&rsquo;interface Admin<\/strong>\n<ul class=\"wp-block-list\">\n<li>Menu principal \u2192\u00a0<strong>Admin<\/strong>\u00a0\u2192\u00a0<strong>Produits<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>S\u00e9lectionnez le type de produit<\/strong>\n<ul class=\"wp-block-list\">\n<li>Dans le menu\u00a0<em>Produits<\/em>, choisissez\u00a0<strong>D\u00e9p\u00f4ts \u00e0 Terme<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Remplissez les champs obligatoires<\/strong>\n<ul class=\"wp-block-list\">\n<li>R\u00e9f\u00e9rez vous aux sections ci-dessus<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>S\u00e9lectionnez un Produit de D\u00e9p\u00f4t \u00e0 Terme<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"125\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144155-300x125.png\" alt=\"\" class=\"wp-image-4079 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144155-300x125.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144155-1024x427.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144155-768x320.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144155.png 1528w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/125;\" \/><\/figure>\n\n\n\n<p><strong>Maintenant, s\u00e9lectionnez\u00a0<em>Cr\u00e9er un Produit de D\u00e9p\u00f4t \u00e0 Terme<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"75\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-143330-300x75.png\" alt=\"\" class=\"wp-image-4077 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-143330-300x75.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-143330-1024x254.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-143330-768x191.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-143330.png 1526w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/75;\" \/><\/figure>\n\n\n\n<p>D\u00e9tails<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"142\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144514-300x142.png\" alt=\"\" class=\"wp-image-4081 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144514-300x142.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144514-768x363.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-144514.png 1023w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/142;\" \/><\/figure>\n\n\n\n<p><strong>Veuillez vous r\u00e9f\u00e9rer \u00e0 l&rsquo;image ci-dessus pour les d\u00e9tails.<\/strong><br>Les informations ci-dessous sont mises \u00e0 jour en fonction des num\u00e9ros de champs indiqu\u00e9s.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Nom du Produit d&rsquo;\u00c9pargne<\/strong><br><em>Exemple : \u00ab\u00a0\u00c9pargne Plus\u00a0\u00bb<\/em><\/li>\n\n\n\n<li><strong>Nom abr\u00e9g\u00e9<\/strong><br><em>Exemple : \u00ab\u00a0EPAR+\u00a0\u00bb<\/em><\/li>\n\n\n\n<li><strong>Description du Produit<\/strong><br><em>Exemple : \u00ab\u00a0Compte \u00e9pargne avec int\u00e9r\u00eats trimestriels et retraits flexibles.\u00a0\u00bb<\/em><\/li>\n<\/ol>\n\n\n\n<p>Devise<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"137\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-145041-300x137.png\" alt=\"\" class=\"wp-image-4083 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-145041-300x137.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-145041-1024x467.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-145041-768x350.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-145041.png 1026w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/137;\" \/><\/figure>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>S\u00e9lection de la devise<\/strong><br><em>Pr\u00e9requis<\/em>\u00a0: Vous devez avoir pr\u00e9alablement configur\u00e9 la devise dans les param\u00e8tres de configuration des devises.<\/li>\n\n\n\n<li><strong>Nombre de d\u00e9cimales<\/strong><br><em>Exemple<\/em>\u00a0: 2 (pour des montants comme 150,50 \u20ac)<\/li>\n\n\n\n<li><strong>Multiple mon\u00e9taire<\/strong><br>D\u00e9termine l&rsquo;arrondi des montants totaux.<br><em>Exemple<\/em>\u00a0:\n<ul class=\"wp-block-list\">\n<li>Si 10 : 143 \u20ac \u2192 140 \u20ac<\/li>\n\n\n\n<li>Si 100 : 143 \u20ac \u2192 100 \u20ac<\/li>\n\n\n\n<li>Si 0.25 : 10.23 \u20ac \u2192 10.25 \u20ac<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>Montant de d\u00e9p\u00f4t par d\u00e9faut<\/strong><br><em>Exemple : 1 000 \u20ac<\/em><\/li>\n\n\n\n<li><strong>Montant minimum de d\u00e9p\u00f4t<\/strong><br><em>Exemple : 100 \u20ac<\/em><\/li>\n\n\n\n<li><strong>Montant maximum de d\u00e9p\u00f4t<\/strong><br><em>Exemple : 50 000 \u20ac<\/em><\/li>\n\n\n\n<li><strong>P\u00e9riode de capitalisation des int\u00e9r\u00eats<\/strong><br>[\ud83d\udd0d Voir : Calcul et validation des int\u00e9r\u00eats d&rsquo;\u00e9pargne]<br><em>Options :<\/em>\n<ul class=\"wp-block-list\">\n<li>Quotidienne<\/li>\n\n\n\n<li>Mensuelle<\/li>\n\n\n\n<li>Trimestrielle<\/li>\n\n\n\n<li>Semestrielle<\/li>\n\n\n\n<li>Annuelle<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fr\u00e9quence de validation des int\u00e9r\u00eats<\/strong><br>[\ud83d\udd0d Voir : Calcul et validation des int\u00e9r\u00eats d&rsquo;\u00e9pargne]<br><em>Options :<\/em>\n<ul class=\"wp-block-list\">\n<li>Mensuelle<\/li>\n\n\n\n<li>Trimestrielle<\/li>\n\n\n\n<li>Semestrielle<\/li>\n\n\n\n<li>Annuelle<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>M\u00e9thode de calcul des int\u00e9r\u00eats<\/strong><br>[\ud83d\udd0d Voir : Calcul et validation des int\u00e9r\u00eats d&rsquo;\u00e9pargne]<br><em>Options :<\/em>\n<ul class=\"wp-block-list\">\n<li>Solde quotidien<\/li>\n\n\n\n<li>Solde moyen quotidien<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Base de calcul annuelle<\/strong><br><em>Selon les pratiques de votre institution :<\/em>\n<ul class=\"wp-block-list\">\n<li>365 jours<\/li>\n\n\n\n<li>360 jours<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Param\u00e8tres des D\u00e9p\u00f4ts \u00e0 Terme<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>P\u00e9riode de Blocage (Lock-in Period)<\/strong><\/h4>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Dur\u00e9e de blocage<\/strong><br><em>Exemple : 12 mois<\/em>\u00a0\u2192 Pendant cette p\u00e9riode, aucun retrait n&rsquo;est autoris\u00e9.<\/li>\n\n\n\n<li><strong>Unit\u00e9 de dur\u00e9e<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jours<\/li>\n\n\n\n<li>Semaines<\/li>\n\n\n\n<li>Mois\u00a0<em>(recommand\u00e9)<\/em><\/li>\n\n\n\n<li>Ann\u00e9es<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Dur\u00e9e Minimum du D\u00e9p\u00f4t<\/strong><\/h4>\n\n\n\n<ol start=\"16\" class=\"wp-block-list\">\n<li><strong>Dur\u00e9e minimale<\/strong><br><em>Exemple : 12 mois<\/em>\u00a0\u2192 D\u00e9p\u00f4t obligatoire pour cette dur\u00e9e.<\/li>\n\n\n\n<li><strong>Unit\u00e9 de dur\u00e9e<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jours<\/li>\n\n\n\n<li>Semaines<\/li>\n\n\n\n<li>Mois<\/li>\n\n\n\n<li>Ann\u00e9es<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Incr\u00e9ments de Dur\u00e9e<\/strong><\/h4>\n\n\n\n<ol start=\"18\" class=\"wp-block-list\">\n<li><strong>Multiple de dur\u00e9e<\/strong><br><em>Exemple : 3 mois<\/em>\u00a0\u2192 Les dur\u00e9es autoris\u00e9es seront 12, 15, 18 mois&#8230;<\/li>\n\n\n\n<li><strong>Unit\u00e9 de dur\u00e9e<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jours<\/li>\n\n\n\n<li>Semaines<\/li>\n\n\n\n<li>Mois\u00a0<em>(standard)<\/em><\/li>\n\n\n\n<li>Ann\u00e9es<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Dur\u00e9e Maximum du D\u00e9p\u00f4t<\/strong><\/h4>\n\n\n\n<ol start=\"20\" class=\"wp-block-list\">\n<li><strong>Dur\u00e9e maximale<\/strong><br><em>Exemple : 36 mois<\/em>\u00a0\u2192 Limite sup\u00e9rieure pour ce produit.<\/li>\n\n\n\n<li><strong>Unit\u00e9 de dur\u00e9e<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jours<\/li>\n\n\n\n<li>Semaines<\/li>\n\n\n\n<li>Mois<\/li>\n\n\n\n<li>Ann\u00e9es<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>P\u00e9nalit\u00e9s de Retrait Anticip\u00e9<\/strong><\/h4>\n\n\n\n<ol start=\"22\" class=\"wp-block-list\">\n<li><strong>Activer les p\u00e9nalit\u00e9s<\/strong><\/li>\n\n\n\n<li><strong>Pourcentage de p\u00e9nalit\u00e9<\/strong><br><em>Exemple : 1%<\/em>\u00a0\u2192 D\u00e9duit selon le type choisi (*24).<\/li>\n\n\n\n<li><strong>Type de calcul<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dur\u00e9e initiale<\/strong>\u00a0: P\u00e9nalit\u00e9 sur la totalit\u00e9 du terme pr\u00e9vu<\/li>\n\n\n\n<li><strong>Jusqu&rsquo;au retrait<\/strong>\u00a0: P\u00e9nalit\u00e9 calcul\u00e9e uniquement jusqu&rsquo;\u00e0 la date de rupture<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tableau des Taux d&rsquo;Int\u00e9r\u00eat<\/strong><\/h3>\n\n\n\n<p>Pour plus d&rsquo;informations sur les grilles de taux en fonction des montants, veuillez consulter :<br>\u27a1\ufe0f&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\">Grille de taux avec plages de montant<\/a><\/p>\n\n\n\n<p>Pour une description d\u00e9taill\u00e9e de tous les champs :<br>\ud83d\udccc&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\">Champs des Produits de D\u00e9p\u00f4t \u00e0 Terme<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"103\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428-300x103.png\" alt=\"\" class=\"wp-image-4085 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428-300x103.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428-1024x352.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428-768x264.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428-1536x529.png 1536w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162428.png 1543w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/103;\" \/><\/figure>\n\n\n\n<ol start=\"25\" class=\"wp-block-list\">\n<li><strong>Date de d\u00e9but<\/strong><br><em>D\u00e9finissez la date d&rsquo;application des taux<\/em><br><em>Format : JJ\/MM\/AAAA<\/em><\/li>\n\n\n\n<li><strong>Date de fin (optionnelle)<\/strong><br><em>Pr\u00e9cisez si ces taux ont une dur\u00e9e limit\u00e9e<\/em><br><em>Laisser vide pour une application permanente<\/em><\/li>\n\n\n\n<li><strong>Type de p\u00e9riode<\/strong>\u00a0:<br>\u2611\ufe0f Jours<br>\u2611\ufe0f Semaines<br>\u2611\ufe0f Mois\u00a0<em>(recommand\u00e9)<\/em><br>\u2611\ufe0f Ann\u00e9es<\/li>\n\n\n\n<li><strong>Plage de dur\u00e9e<\/strong><br><em>Exemples :<\/em><br>a) De 1 \u00e0 12 mois<br>b) De 13 \u00e0 18 mois<\/li>\n\n\n\n<li><strong>Taux d&rsquo;int\u00e9r\u00eat<\/strong><br><em>Exemples :<\/em><br>a) 8%<br>b) 8,5%<\/li>\n\n\n\n<li><strong>Description<\/strong><br><em>Libell\u00e9 clair pour les clients :<\/em><br>a) \u00ab\u00a01-12 mois : 8%\u00a0\u00bb<br>b) \u00ab\u00a013-18 mois : 8,5%\u00a0\u00bb<\/li>\n\n\n\n<li><strong>Gestion des lignes<\/strong><br>\u2795\u00a0<em>Ajouter<\/em>\u00a0&#8211; Pour une nouvelle tranche de taux<br>\u2716\ufe0f\u00a0<em>Supprimer<\/em>\u00a0&#8211; Pour retirer une ligne<\/li>\n\n\n\n<li><strong>Bonus\/Incitations<\/strong><br>\u2139\ufe0f\u00a0<em>Voir :\u00a0<a target=\"_blank\" rel=\"noreferrer noopener\">Champs des Produits \u00e0 Terme<\/a>\u00a0pour les options avanc\u00e9es<\/em><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"181\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162704-1024x181.png\" alt=\"\" class=\"wp-image-4087 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162704-1024x181.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162704-300x53.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162704-768x135.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-162704.png 1383w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/181;\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tape 1 : S\u00e9lection de l&rsquo;Attribut Client<\/strong><\/h4>\n\n\n\n<ol start=\"33\" class=\"wp-block-list\">\n<li><strong>Choisissez un crit\u00e8re<\/strong>\u00a0dans le menu d\u00e9roulant<br><em>Exemple :<\/em><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Genre<\/li>\n\n\n\n<li>\u00c2ge<\/li>\n\n\n\n<li>Statut client (VIP, Standard&#8230;)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tape 2 : D\u00e9finition de la Condition<\/strong><\/h4>\n\n\n\n<ol start=\"34\" class=\"wp-block-list\">\n<li><strong>S\u00e9lectionnez l&rsquo;op\u00e9rateur logique<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9gal \u00e0 (=)<\/li>\n\n\n\n<li>Diff\u00e9rent de (\u2260)<\/li>\n\n\n\n<li>Sup\u00e9rieur \u00e0 (>)<\/li>\n\n\n\n<li>Inf\u00e9rieur \u00e0 (&lt;)<br><em>Exemple :<\/em>\u00a0\u00ab\u00a0\u00c9gal \u00e0 &lsquo;Femme'\u00a0\u00bb<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tape 3 : Type de Taux<\/strong><\/h4>\n\n\n\n<ol start=\"35\" class=\"wp-block-list\">\n<li><strong>S\u00e9lectionnez le mode d&rsquo;application<\/strong>\u00a0:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taux Fixe<\/strong>\u00a0: Remplace int\u00e9gralement le taux de base<br><em>Exemple :<\/em>\u00a09% (remplace tout autre taux)<\/li>\n\n\n\n<li><strong>Incitation<\/strong>\u00a0: S&rsquo;ajoute au taux existant<br><em>Exemple :<\/em>\u00a08% de base + 2% = 10%<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tape 4 : Param\u00e9trage du Taux<\/strong><\/h4>\n\n\n\n<ol start=\"36\" class=\"wp-block-list\">\n<li><strong>Saisissez la valeur num\u00e9rique<\/strong><br><em>Format :<\/em>\u00a09.00 (sans le symbole %)<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00c9tape 5 : Gestion des R\u00e8gles<\/strong><\/h4>\n\n\n\n<ol start=\"37\" class=\"wp-block-list\">\n<li><strong>Validez avec<\/strong>\u00a0:<br>\u2795\u00a0<em>Ajouter<\/em>\u00a0: Pour cr\u00e9er une nouvelle r\u00e8gle<br>\u2714\ufe0f\u00a0<em>Enregistrer<\/em>\u00a0: Pour finaliser la s\u00e9rie<\/li>\n<\/ol>\n\n\n\n<p>Frais<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"266\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-163338-1024x266.png\" alt=\"\" class=\"wp-image-4089 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-163338-1024x266.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-163338-300x78.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-163338-768x199.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-163338.png 1403w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/266;\" \/><\/figure>\n\n\n\n<p><strong>Pour utiliser la fonctionnalit\u00e9 \u00ab\u00a0Ajouter un frais\u00a0\u00bb<\/strong>, vous devez avoir pr\u00e9alablement d\u00e9fini ce frais dans la section\u00a0<strong>Frais<\/strong>. <em>Pour plus d&rsquo;informations sur la gestion des frais, consultez :<\/em><br><a target=\"_blank\" rel=\"noreferrer noopener\">Documentation des Frais<\/a><\/p>\n\n\n\n<p>Comptabilit\u00e9<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"81\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-164212-300x81.png\" alt=\"\" class=\"wp-image-4091 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-164212-300x81.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-164212-1024x277.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-164212-768x208.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-164212.png 1405w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/81;\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Configuration Comptable par D\u00e9faut<\/strong><\/h3>\n\n\n\n<p><strong>Statut initial :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><code>Comptabilit\u00e9 d\u00e9sactiv\u00e9e<\/code>\u00a0(Aucune)<br>\u2192 Toutes les transactions (d\u00e9p\u00f4ts, retraits, etc.)\u00a0<strong>ne g\u00e9n\u00e8rent pas<\/strong>\u00a0d&rsquo;\u00e9critures comptables.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Activation de la Comptabilit\u00e9<\/strong><\/h3>\n\n\n\n<p><strong>Pr\u00e9requis :<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Plan comptable configur\u00e9<\/strong><br>\ud83d\udccc\u00a0<a href=\"https:\/\/https\/docs\/accounting\/chart-of-accounts\/how-to-create-a-chart-of-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Guide : Cr\u00e9er un plan comptable<\/a><\/li>\n\n\n\n<li><strong>M\u00e9thode comptable<\/strong>\u00a0:\n<ul class=\"wp-block-list\">\n<li>S\u00e9lectionnez\u00a0<code>Comptabilit\u00e9 de caisse<\/code><\/li>\n\n\n\n<li><em>Limitation actuelle<\/em>\u00a0: Phenix ne prend en charge que cette m\u00e9thode pour les produits d&rsquo;\u00e9pargne.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Correspondance des Comptes (Esp\u00e8ces)<\/strong><\/h3>\n\n\n\n<p>\ud83d\udd39&nbsp;<strong>Associez les comptes<\/strong>&nbsp;aux mouvements du produit d&rsquo;\u00e9pargne.<br>\u2139\ufe0f&nbsp;<em>R\u00e9f\u00e9rence :<\/em>&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\">Sp\u00e9cifications comptables pour l&rsquo;\u00e9pargne<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-medium\"><img decoding=\"async\" width=\"300\" height=\"190\" data-src=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-165228-300x190.png\" alt=\"\" class=\"wp-image-4093 lazyload\" data-srcset=\"https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-165228-300x190.png 300w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-165228-1024x648.png 1024w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-165228-768x486.png 768w, https:\/\/techhub.saworks.io\/wp-content\/uploads\/2025\/06\/Capture-decran-2025-06-27-165228.png 1404w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/190;\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>&nbsp;Fonctionnalit\u00e9 d&rsquo;Ajout<\/strong><\/h4>\n\n\n\n<p>En cliquant sur&nbsp;<strong>Ajouter (+)<\/strong>&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les menus d\u00e9roulants de configuration s&rsquo;affichent<\/li>\n\n\n\n<li>Trois sections cl\u00e9s apparaissent :<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Correspondance des Sources de Fonds<\/strong><\/h4>\n\n\n\n<p><strong>Exemple Pratique<\/strong>&nbsp;:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Type de Paiement<\/th><th>Source de Fonds Associ\u00e9e<\/th><th>Impact Comptable<\/th><\/tr><\/thead><tbody><tr><td>Ch\u00e8que<\/td><td>Banque<\/td><td>\u00c9criture au compte \u00ab\u00a0Banque\u00a0\u00bb<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>\u2192 Toute transaction par ch\u00e8que g\u00e9n\u00e9rera une \u00e9criture dans le compte bancaire sp\u00e9cifi\u00e9.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Association Comptable<\/strong><\/h4>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Frais \u2192 Comptes de Produits<\/strong><br><em>Ex : Frais de gestion \u2192 Compte \u00ab\u00a0Produits des frais\u00a0\u00bb (5100)<\/em><\/li>\n\n\n\n<li><strong>P\u00e9nalit\u00e9s \u2192 Comptes de Produits Sp\u00e9cifiques<\/strong><br><em>Ex : P\u00e9nalit\u00e9 de retrait \u2192 Compte \u00ab\u00a0Produits des p\u00e9nalit\u00e9s\u00a0\u00bb (5200)<\/em><\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Validation Finale<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cliquez sur\u00a0<strong>Soumettre<\/strong>\u00a0pour :<br>\u2705 Enregistrer le produit<br>\u2705 Activer les r\u00e8gles comptables configur\u00e9es<\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Un\u00a0Produit de D\u00e9p\u00f4t \u00e0 Terme\u00a0(ou\u00a0Compte \u00e0 Terme) d\u00e9finit les r\u00e8gles, param\u00e8tres par d\u00e9faut et contraintes applicables aux offres de d\u00e9p\u00f4ts \u00e0 terme d&rsquo;une [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4058,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-4076","docs","type-docs","status-publish","hentry"],"author_avatar":"https:\/\/secure.gravatar.com\/avatar\/6a70e7c73db9f245e650948d09d74f61?s=96&d=mm&r=g","author_name":"Annick N'dri","_links":{"self":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/4076"}],"collection":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/comments?post=4076"}],"version-history":[{"count":0,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/4076\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/docs\/4058"}],"wp:attachment":[{"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/media?parent=4076"}],"wp:term":[{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_tag?post=4076"},{"taxonomy":"doc_badge","embeddable":true,"href":"https:\/\/techhub.saworks.io\/fr\/wp-json\/wp\/v2\/doc_badge?post=4076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}