{"id":477,"date":"2021-03-01T05:45:00","date_gmt":"2021-03-01T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/intermediaire-en-operations-de-banque-a-limpossible-nul-nest-tenu\/"},"modified":"2021-04-02T03:00:43","modified_gmt":"2021-04-02T01:00:43","slug":"intermediaire-en-operations-de-banque-a-limpossible-nul-nest-tenu","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/intermediaire-en-operations-de-banque-a-limpossible-nul-nest-tenu\/","title":{"rendered":"Interm\u00e9diaire en op\u00e9rations de banque : \u00ab \u00e0 l\u2019impossible, nul n\u2019est tenu \u00bb ?"},"content":{"rendered":"

Parce qu\u2019elle estime qu\u2019il n\u2019a pas rempli les obligations de v\u00e9rification qui lui incombaient, une banque engage la responsabilit\u00e9 de l\u2019interm\u00e9diaire avec lequel elle a conclu un partenariat. Une demande irrecevable, selon l\u2019int\u00e9ress\u00e9, qui rappelle (\u00e0 raison ?) qu\u2019il n\u2019est pas responsable de la mauvaise foi des emprunteurs\u2026<\/p>\n

\n

Le point sur les obligations de l\u2019interm\u00e9diaire en banque<\/h2>\n

Une banque conclut une convention de partenariat avec un interm\u00e9diaire en op\u00e9rations de banque, en vue de la prospection de nouveaux clients emprunteurs.<\/p>\n

Mais \u00e0 la suite d\u2019impay\u00e9s, elle s\u2019aper\u00e7oit que les demandes de financement pr\u00e9sent\u00e9es par l\u2019interm\u00e9diaire \u00e9taient en r\u00e9alit\u00e9 accompagn\u00e9es de faux documents. Ce qui l\u2019am\u00e8ne \u00e0 engager sa responsabilit\u00e9\u2026<\/p>\n

A tort, estime l\u2019interm\u00e9diaire, qui rappelle que s\u2019il \u00e9tait en effet tenu \u00e0 une obligation de vigilance et de diligence dans la constitution des dossiers de pr\u00eats qu\u2019il transmettait \u00e0 la banque, le contrat qu\u2019il a sign\u00e9 ne l\u2019obligeait cependant pas \u00e0 mener une enqu\u00eate approfondie sur la probit\u00e9 des emprunteurs.<\/p>\n

Ce qui le d\u00e9gage de toute responsabilit\u00e9 dans cette affaire.<\/p>\n

Une position partag\u00e9e par le juge, qui rel\u00e8ve que les documents en question \u00e9taient en apparence r\u00e9guliers, et que la falsification n\u2019a \u00e9t\u00e9 d\u00e9cel\u00e9e qu\u2019\u00e0 l\u2019issue de recherches approfondies, que l\u2019interm\u00e9diaire n\u2019\u00e9tait pas tenu de mener dans le cadre de sa mission contractuelle.<\/p>\n

La demande de la banque est donc rejet\u00e9e.<\/p>\n

Source : Arr\u00eat de la Cour de cassation, chambre commerciale, du 17 f\u00e9vrier 2021, n\u00b0 18-26190 (NP)<\/p>\n

Interm\u00e9diaire en op\u00e9rations de banque : \u00ab \u00e0 l\u2019impossible, nul n\u2019est tenu \u00bb ? <\/a>\u00a9 Copyright WebLex – 2021<\/p>\n<\/div>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Parce qu\u2019elle estime qu\u2019il n\u2019a pas rempli les obligations de v\u00e9rification qui lui incombaient, une banque engage la responsabilit\u00e9 de l\u2019interm\u00e9diaire avec lequel elle a conclu un partenariat. Une demande irrecevable, selon l\u2019int\u00e9ress\u00e9, qui rappelle (\u00e0 raison ?) qu\u2019il n\u2019est pas responsable de la mauvaise foi des emprunteurs\u2026<\/p>\n","protected":false},"author":0,"featured_media":3544,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"\nInterm\u00e9diaire en op\u00e9rations de banque : \u00ab \u00e0 l\u2019impossible, nul n\u2019est tenu \u00bb ? - Cabinet Magar<\/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.cabinet-magar.fr\/actualites\/intermediaire-en-operations-de-banque-a-limpossible-nul-nest-tenu\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interm\u00e9diaire en op\u00e9rations de banque : \u00ab \u00e0 l\u2019impossible, nul n\u2019est tenu \u00bb ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Parce qu\u2019elle estime qu\u2019il n\u2019a pas rempli les obligations de v\u00e9rification qui lui incombaient, une banque engage la responsabilit\u00e9 de l\u2019interm\u00e9diaire avec lequel elle a conclu un partenariat. 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