{"id":61064,"date":"2024-06-19T12:54:34","date_gmt":"2024-06-19T10:54:34","guid":{"rendered":"https:\/\/www.fondapi.it\/securite\/"},"modified":"2025-11-12T08:49:18","modified_gmt":"2025-11-12T07:49:18","slug":"securite","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/","title":{"rendered":"S\u00e9curit\u00e9"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61064\" class=\"elementor elementor-61064 elementor-55840\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-693e392e e-flex e-con-boxed e-con e-parent\" data-id=\"693e392e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ddfd69a e-flex e-con-boxed e-con e-child\" data-id=\"7ddfd69a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73baecc2 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"73baecc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a41c769 elementor-widget elementor-widget-html\" data-id=\"7a41c769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48050492 e-flex e-con-boxed e-con e-child\" data-id=\"48050492\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-277162e elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"277162e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Fondapi<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a190c8f e-flex e-con-boxed e-con e-parent\" data-id=\"2a190c8f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6edfe16d e-con-full e-flex e-con e-child\" data-id=\"6edfe16d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fae6e8 elementor-widget elementor-widget-heading\" data-id=\"1fae6e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pourquoi Fondapi <br><span style=\"color: #3997B9\">ne peut pas<\/span> faire faillite ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ec9b12 elementor-widget elementor-widget-text-editor\" data-id=\"36ec9b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;article 15, alin\u00e9a 5 du d\u00e9cret l\u00e9gislatif 252\/05 stipule : <\/p><p>\u00ab <i>Aux fonds de pension s&rsquo;applique exclusivement la discipline de l&rsquo;administration extraordinaire et de la liquidation administrative forc\u00e9e, <\/i><b><i>\u00e0 l&rsquo;exclusion de la faillite<\/i><\/b><i>, conform\u00e9ment aux articles 70 et suivants du texte unique des lois en mati\u00e8re bancaire et de cr\u00e9dit du d\u00e9cret l\u00e9gislatif du 1er septembre 1993, n\u00b0 385, et modifications et int\u00e9grations ult\u00e9rieures, en attribuant les comp\u00e9tences relatives exclusivement au Ministre du travail et des politiques sociales et \u00e0 la COVIP<\/i> \u00bb.<\/p><p>Ceci parce qu&rsquo;en Italie la pr\u00e9voyance compl\u00e9mentaire fonctionne selon le syst\u00e8me dit <b>de capitalisation<\/b>, tr\u00e8s diff\u00e9rent du syst\u00e8me de r\u00e9partition : les cotisations vers\u00e9es \u00e0 Fondapi sont <b>provisionn\u00e9es dans la position individuelle de l&rsquo;inscrit<\/b>, tandis que dans le syst\u00e8me de <b>r\u00e9partition<\/b> (typique de l&rsquo;INPS) les <b>cotisations<\/b> collect\u00e9es sont utilis\u00e9es pour payer le <b>versement des prestations de ceux qui sont d\u00e9j\u00e0 \u00e0 la retraite<\/b>. En d&rsquo;autres termes, avec <b>Fondapi<\/b> vous ne stipulez <b>aucun pacte interg\u00e9n\u00e9rationnel<\/b> : l&rsquo;argent que le travailleur accumule aupr\u00e8s de Fondapi <b>n&rsquo;est pas utilis\u00e9 pour payer des prestations \u00e0 des sujets diff\u00e9rents<\/b> du travailleur lui-m\u00eame ! <\/p><p>De plus, <b>Fondapi n&rsquo;utilise pas les cotisations des associ\u00e9s pour se financer ou financer d&rsquo;autres prestations<\/b> : le financement des activit\u00e9s du fonds s&rsquo;effectue au moyen de la <b>cotisation associative<\/b>.<\/p><p>En outre, en 2017 la loi a exclu les fonds de pension de l&rsquo;application du m\u00e9canisme d\u00e9nomm\u00e9 \u00ab <b>bail-in<\/b> \u00bb qui expose les \u00e9pargnants aux risques d\u00e9rivant des crises bancaires ; par cons\u00e9quent les <b>sommes d\u00e9tenues par Fondapi<\/b> aupr\u00e8s de la banque d\u00e9positaire sont express\u00e9ment <b>exclues de ce danger<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48da6572 e-con-full e-flex e-con e-child\" data-id=\"48da6572\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59741afd elementor-widget elementor-widget-image\" data-id=\"59741afd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp\" class=\"attachment-full size-full wp-image-61066\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b1f82aa elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7b1f82aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be2dda7 e-flex e-con-boxed e-con e-parent\" data-id=\"3be2dda7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28850fde e-con-full e-flex e-con e-child\" data-id=\"28850fde\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17f36dc7 elementor-widget elementor-widget-image\" data-id=\"17f36dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok.webp\" class=\"attachment-full size-full wp-image-61067\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/casseforti-ok-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b3ad3fe e-con-full e-flex e-con e-child\" data-id=\"3b3ad3fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:140,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78903970 elementor-widget elementor-widget-heading\" data-id=\"78903970\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pas des poup\u00e9es russes, mais des coffres-forts\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12464752 elementor-widget elementor-widget-text-editor\" data-id=\"12464752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le d\u00e9cret l\u00e9gislatif sur la pr\u00e9voyance compl\u00e9mentaire oblige les fonds \u00e0 verser les cotisations des adh\u00e9rents et les quotes-parts de TFR aupr\u00e8s d&rsquo;une <b>banque d\u00e9positaire<\/b> ; ces cotisations sont ensuite investies par les <b>gestionnaires financiers<\/b>, <b>sujets externes par rapport \u00e0 la banque d\u00e9positaire<\/b> qui d\u00e9tient physiquement les ressources.<\/p><p>La s\u00e9paration entre celui qui collecte l&rsquo;argent et celui qui l&rsquo;investit garantit une protection maximale, de plus le <b>Conseil d&rsquo;Administration<\/b>, s&rsquo;il n&rsquo;est pas satisfait du travail des gestionnaires financiers, est <b>libre de r\u00e9voquer \u00e0 tout moment le mandat qui leur a \u00e9t\u00e9 conf\u00e9r\u00e9<\/b> sans obligation de motivation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-511fb5bf elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"511fb5bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d531d13 e-flex e-con-boxed e-con e-parent\" data-id=\"2d531d13\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a97a433 e-con-full e-flex e-con e-child\" data-id=\"6a97a433\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30a462c4 elementor-widget elementor-widget-heading\" data-id=\"30a462c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les cas concrets :\n <br><span style=\"color: #3997B9\">un peu d'histoire<\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b3ea5e5 elementor-widget elementor-widget-text-editor\" data-id=\"3b3ea5e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Au cours des ann\u00e9es, certains fonds de pension ont v\u00e9cu des situations de <strong>d\u00e9s\u00e9quilibre<\/strong> : les cotisations associatives des quelques inscrits ne r\u00e9ussissaient plus \u00e0 compenser les charges pour le fonctionnement administratif des fonds en question, qui ont \u00e9t\u00e9 int\u00e9gr\u00e9s dans d&rsquo;autres de dimensions plus importantes.<\/p><p>Malgr\u00e9 ces situations, les <strong>inscrits n&rsquo;ont perdu aucun centime<\/strong> : il leur a \u00e9t\u00e9 offert la possibilit\u00e9 de racheter int\u00e9gralement la position acquise ou de continuer dans la pr\u00e9voyance compl\u00e9mentaire en transf\u00e9rant la position dans un autre fonds de pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-122c600a e-flex e-con-boxed e-con e-parent\" data-id=\"122c600a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-58907bcf e-con-full e-flex e-con e-child\" data-id=\"58907bcf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca7dcf3 elementor-widget elementor-widget-heading\" data-id=\"ca7dcf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les contr\u00f4les et les responsabilit\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-618ffc06 elementor-widget elementor-widget-text-editor\" data-id=\"618ffc06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il y a des <strong>sujets externes<\/strong> qui exercent des <strong>activit\u00e9s de conformit\u00e9 et de contr\u00f4le interne<\/strong> ; de plus, le <strong>Coll\u00e8ge des R\u00e9viseurs<\/strong> exerce le <strong>contr\u00f4le de l\u00e9galit\u00e9 et de comptabilit\u00e9 correcte<\/strong> du fonds de pension.<\/p><p>La <strong>COVIP<\/strong>, l&rsquo;autorit\u00e9 administrative comp\u00e9tente, veille au bon fonctionnement du fonds de pension et, en cas de <strong>sanctions<\/strong> prononc\u00e9es, les <strong>administrateurs r\u00e9pondent directement avec leur patrimoine personnel<\/strong> ; de plus, la COVIP a aussi le droit d&rsquo;effectuer des inspections sans pr\u00e9avis aux fonds de pension.<\/p><p>La <strong>s\u00e9curit\u00e9<\/strong> ne concerne pas exclusivement la <strong>solidit\u00e9 de l&rsquo;architecture r\u00e9glementaire<\/strong> que la loi a d\u00e9finie pour la protection des inscrits \u00e0 la pr\u00e9voyance, mais aussi les <strong>positions contributives individuelles<\/strong> des travailleurs. Sp\u00e9cifiquement : <\/p><ul><li>s&rsquo;il y a des <strong>retards ou des cotisations manquantes<\/strong>, le syst\u00e8me signale p\u00e9riodiquement \u00e0 l&rsquo;entreprise ces anomalies : en d&rsquo;autres termes, l&rsquo;entreprise ne peut pas ne pas savoir ;<\/li><li>s&rsquo;il y a eu des <strong>retards dans les versements qui ont g\u00e9n\u00e9r\u00e9 des rendements manqu\u00e9s<\/strong>, le fonds de pension en <strong>demande compte \u00e0 l&rsquo;entreprise<\/strong>, qui est tenue de <strong>r\u00e9parer le gain manqu\u00e9<\/strong> que l&rsquo;adh\u00e9rent a subi \u00e0 cause de ces retards. Le fonds reconna\u00eet ces sommes sur les positions des travailleurs sans rien retenir et les catalogue comme \u00ab d\u00e9dommagement \u00bb ; <\/li><li>si <strong>l&rsquo;entreprise est en faillite<\/strong> : le fonds vous envoie l&rsquo;extrait avec la position en cours pour demander les sommes qui vous reviennent et permettre l&rsquo;intervention du Fonds de Garantie INPS ;<\/li><li>si <strong>l&rsquo;entreprise a fait faillite<\/strong> et que vous avez <strong>demand\u00e9 la r\u00e9cup\u00e9ration des sommes<\/strong> non vers\u00e9es par l&rsquo;entreprise par l&rsquo;interm\u00e9diaire du <strong>Fonds de Garantie INPS<\/strong>, le fonds les re\u00e7oit pour vous et les reconna\u00eet sur votre position de pr\u00e9voyance compl\u00e9mentaire.<\/li><\/ul><p> <\/p><p><strong><a href=\"https:\/\/www.fondapi.it\/fr\/securite\/fonds-de-garantie-inps-et-retraite-complementaire\/\">D\u00c9COUVREZ-EN PLUS SUR LE FONDS DE GARANTIE INPS<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Pourquoi Fondapi ne peut pas faire faillite ? L&rsquo;article 15, alin\u00e9a 5 du d\u00e9cret l\u00e9gislatif 252\/05 stipule : \u00ab Aux fonds de pension s&rsquo;applique exclusivement la discipline de l&rsquo;administration extraordinaire et de la liquidation administrative forc\u00e9e, \u00e0 l&rsquo;exclusion de la faillite, conform\u00e9ment aux articles 70 et suivants du texte unique des lois en [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61267,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-61064","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>S\u00e9curit\u00e9 - Fondapi<\/title>\n<meta name=\"description\" content=\"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.\" \/>\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.fondapi.it\/fr\/fondapi\/securite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00e9curit\u00e9 - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/\" \/>\n<meta property=\"og:site_name\" content=\"Fondapi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-12T07:49:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1333\" \/>\n\t<meta property=\"og:image:height\" content=\"2000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@fondapi\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/\",\"url\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/\",\"name\":\"S\u00e9curit\u00e9 - Fondapi\",\"isPartOf\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp\",\"datePublished\":\"2024-06-19T10:54:34+00:00\",\"dateModified\":\"2025-11-12T07:49:18+00:00\",\"description\":\"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage\",\"url\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp\",\"contentUrl\":\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fondapi.it\/fr\/accueil\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fondapi\",\"item\":\"https:\/\/www.fondapi.it\/fr\/fondapi\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"S\u00e9curit\u00e9\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#website\",\"url\":\"https:\/\/www.fondapi.it\/fr\/\",\"name\":\"Fondapi\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#organization\"},\"alternateName\":\"Fondapi Fondo pensione integrativa\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fondapi.it\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#organization\",\"name\":\"Fondapi - Fondo nazionale pensione complementare\",\"alternateName\":\"Fondapi Fondo pensione integrativa\",\"url\":\"https:\/\/www.fondapi.it\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Fondapi - Fondo nazionale pensione complementare\"},\"image\":{\"@id\":\"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts\",\"https:\/\/x.com\/fondapi\",\"https:\/\/www.linkedin.com\/company\/18497131\",\"https:\/\/www.youtube.com\/user\/Fondapi\",\"https:\/\/www.instagram.com\/fondapi.it\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"S\u00e9curit\u00e9 - Fondapi","description":"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/","og_locale":"fr_FR","og_type":"article","og_title":"S\u00e9curit\u00e9 - Fondapi","og_description":"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.","og_url":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/","og_site_name":"Fondapi","article_publisher":"https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts","article_modified_time":"2025-11-12T07:49:18+00:00","og_image":[{"width":1333,"height":2000,"url":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@fondapi","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/","url":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/","name":"S\u00e9curit\u00e9 - Fondapi","isPartOf":{"@id":"https:\/\/www.fondapi.it\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage"},"image":{"@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp","datePublished":"2024-06-19T10:54:34+00:00","dateModified":"2025-11-12T07:49:18+00:00","description":"Fondapi ne peut pas faire faillite. D\u00e9couvrez toutes les protections pr\u00e9vues par la loi pour les adh\u00e9rents aux fonds de pension italiens.","breadcrumb":{"@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#primaryimage","url":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp","contentUrl":"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/sicurezza.webp"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fondapi.it\/fr\/fondapi\/securite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fondapi.it\/fr\/accueil\/"},{"@type":"ListItem","position":2,"name":"Fondapi","item":"https:\/\/www.fondapi.it\/fr\/fondapi\/"},{"@type":"ListItem","position":3,"name":"S\u00e9curit\u00e9"}]},{"@type":"WebSite","@id":"https:\/\/www.fondapi.it\/fr\/#website","url":"https:\/\/www.fondapi.it\/fr\/","name":"Fondapi","description":"","publisher":{"@id":"https:\/\/www.fondapi.it\/fr\/#organization"},"alternateName":"Fondapi Fondo pensione integrativa","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fondapi.it\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.fondapi.it\/fr\/#organization","name":"Fondapi - Fondo nazionale pensione complementare","alternateName":"Fondapi Fondo pensione integrativa","url":"https:\/\/www.fondapi.it\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/","url":"","contentUrl":"","caption":"Fondapi - Fondo nazionale pensione complementare"},"image":{"@id":"https:\/\/www.fondapi.it\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pages\/Scegli-Fondapi\/111620682275544?fref=ts","https:\/\/x.com\/fondapi","https:\/\/www.linkedin.com\/company\/18497131","https:\/\/www.youtube.com\/user\/Fondapi","https:\/\/www.instagram.com\/fondapi.it\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/61064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/comments?post=61064"}],"version-history":[{"count":1,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/61064\/revisions"}],"predecessor-version":[{"id":61068,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/61064\/revisions\/61068"}],"up":[{"embeddable":true,"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/pages\/61267"}],"wp:attachment":[{"href":"https:\/\/www.fondapi.it\/fr\/wp-json\/wp\/v2\/media?parent=61064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}