{
    "id": 5209,
    "date": "2025-03-27T12:35:25",
    "date_gmt": "2025-03-27T12:35:25",
    "guid": {
        "rendered": "https:\/\/detralytics.com\/?p=5209"
    },
    "modified": "2026-08-21T13:31:10",
    "modified_gmt": "2026-08-21T13:31:10",
    "slug": "interviewassurance-parametrique-les-enjeux-face-aux-risques-emergents",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/detralytics.com\/en\/interview\/interviewassurance-parametrique-les-enjeux-face-aux-risques-emergents\/",
    "title": {
        "rendered": "Assurance param\u00e9trique : Les enjeux face aux risques \u00e9mergents"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"5209\" class=\"elementor elementor-5209\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc2964a e-con-full e-flex e-con e-child\" data-id=\"bc2964a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3f5d0a7 e-flex e-con-boxed e-con e-child\" data-id=\"3f5d0a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e5107a elementor-widget elementor-widget-heading\" data-id=\"2e5107a\" 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<h1 class=\"elementor-heading-title elementor-size-default\">assurance param\u00e9trique : principe &amp; enjeux<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15a41ab elementor-widget elementor-widget-heading\" data-id=\"15a41ab\" 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\">INTERVIEW<\/h3>\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<div class=\"elementor-element elementor-element-a2fbe60 e-flex e-con-boxed e-con e-parent\" data-id=\"a2fbe60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e447644 elementor-widget elementor-widget-text-editor\" data-id=\"e447644\" 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 id=\"ember5197\" class=\"ember-view reader-text-block__paragraph\">Face \u00e0 la complexit\u00e9 croissante des risques \u00e9mergents, l\u2019assurance param\u00e9trique s\u2019impose comme une alternative efficace \u00e0 l\u2019assurance traditionnelle. En s\u2019appuyant sur des indices objectifs et des m\u00e9canismes de d\u00e9clenchement automatis\u00e9s, elle permet une indemnisation rapide et transparente.&nbsp;<\/p>\n<p id=\"ember5197\" class=\"ember-view reader-text-block__paragraph\"><b>Olivier Lopez <\/b>(Conseiller scientifique) et <b>Daniel Nkameni <\/b>(Consultant TAP chez <a class=\"TNZrTjHzLYFwLbLpHguBTwXCYXHZFVgMFnYboZy\" tabindex=\"0\" href=\"https:\/\/www.linkedin.com\/company\/detralytics\/\" data-test-app-aware-link=\"\">Detralytics<\/a> et doctorant au CREST), nous \u00e9clairent sur les enjeux, d\u00e9fis et perspectives de cette approche innovante, ainsi que sur les solutions d\u00e9velopp\u00e9es par notre cabinet pour accompagner les acteurs du secteur.<\/p>\t\t\t\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-539b3a4 e-flex e-con-boxed e-con e-parent\" data-id=\"539b3a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f7dcf41 e-con-full e-flex e-con e-child\" data-id=\"f7dcf41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17c28ee elementor-widget elementor-widget-video\" data-id=\"17c28ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Assurance-Parametrique.mp4\" controls=\"\" preload=\"metadata\" controlslist=\"nodownload\" poster=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Capture-decran-2025-03-27-a-13.20.46.png\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a04131f elementor-widget elementor-widget-spacer\" data-id=\"a04131f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734b913 elementor-widget elementor-widget-heading\" data-id=\"734b913\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est ce que l'assurance param\u00e9trique ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b80a57 elementor-widget elementor-widget-text-editor\" data-id=\"5b80a57\" 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 id=\"ember5199\" class=\"ember-view reader-text-block__heading-3\"><span style=\"color: var( --e-global-color-text ); font-size: 16px; letter-spacing: 0.3px; text-align: var(--text-align); background-color: var( --e-global-color-b500f0a );\">C\u2019est une forme d\u2019assurance et de gestion des sinistres qui repose sur des indices objectifs d\u00e9clenchant automatiquement une indemnisation d\u00e8s que le seuil pr\u00e9d\u00e9fini est atteint.<\/span><\/p><p id=\"ember5201\" class=\"ember-view reader-text-block__paragraph\">Par exemple, pour couvrir des pertes agricoles, des indices tels que les pr\u00e9cipitations, la temp\u00e9rature et l\u2019humidit\u00e9 sont utilis\u00e9s. D\u00e8s que l\u2019un ou plusieurs de ces indices franchissent un certain seuil, l\u2019indemnisation des agriculteurs se d\u00e9clenche automatiquement. Elle peut \u00eatre forfaitaire ou calcul\u00e9e en fonction des valeurs prises par les indices au moment du sinistre.<\/p>\t\t\t\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-5d9cc6a e-flex e-con-boxed e-con e-parent\" data-id=\"5d9cc6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fea71d2 elementor-widget elementor-widget-image\" data-id=\"fea71d2\" 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=\"800\" height=\"450\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Assurance-parametrique-1.png\" class=\"attachment-large size-large wp-image-5214\" alt=\"\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Assurance-parametrique-1.png 1920w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Assurance-parametrique-1-768x432.png 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Assurance-parametrique-1-1536x864.png 1536w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9c3b2f e-flex e-con-boxed e-con e-parent\" data-id=\"e9c3b2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-764d3c0 elementor-widget elementor-widget-heading\" data-id=\"764d3c0\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont ses avantages par rapport \u00e0 l\u2019assurance indemnitaire traditionnelle ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa7026 elementor-widget elementor-widget-text-editor\" data-id=\"0aa7026\" 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<ul><li><b>Rapidit\u00e9<\/b> : L\u2019indemnisation intervient sans attendre une expertise post-sinistre.<\/li><li><b>Transparence<\/b> : Les modalit\u00e9s de d\u00e9clenchement sont claires et pr\u00e9alablement d\u00e9finies.<\/li><li><b>\u00c9conomie<\/b> : Moins de frais de gestion et d\u2019expertise, ce qui permet de proposer des primes comp\u00e9titives.<\/li><li><b>Adaptabilit\u00e9<\/b> : Permet de couvrir des risques pour lesquels il est difficile d\u2019\u00e9valuer pr\u00e9cis\u00e9ment les pertes r\u00e9elles tels que les risques \u00e9mergents.<\/li><\/ul>\t\t\t\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-8946ba8 e-flex e-con-boxed e-con e-parent\" data-id=\"8946ba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88c0631 elementor-widget elementor-widget-spacer\" data-id=\"88c0631\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dda052 elementor-widget elementor-widget-heading\" data-id=\"9dda052\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont les principaux d\u00e9fis rencontr\u00e9s lors de son application aux risques \u00e9mergents ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609710e elementor-widget elementor-widget-text-editor\" data-id=\"609710e\" 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 id=\"ember5208\" class=\"ember-view reader-text-block__paragraph\">Souvent per\u00e7ue comme une alternative id\u00e9ale \u00e0 l\u2019assurance indemnitaire, l\u2019assurance param\u00e9trique doit cependant faire face \u00e0 un d\u00e9fi majeur li\u00e9 au risque de base : l\u2019\u00e9cart entre la perte r\u00e9elle subie par l\u2019assur\u00e9 et l\u2019indemnisation d\u00e9clench\u00e9e par un mod\u00e8le, qui reste une approximation de la r\u00e9alit\u00e9.<\/p><p id=\"ember5209\" class=\"ember-view reader-text-block__paragraph\">Des d\u00e9fis sp\u00e9cifiques \u00e0 son application aux risques \u00e9mergents se posent \u00e9galement, parmi lesquels :<\/p><ul><li><b>La d\u00e9finition d\u2019indices pertinents<\/b> : Choisir des indicateurs qui refl\u00e8tent fid\u00e8lement les pertes r\u00e9elles.<\/li><li><b>La qualit\u00e9 des donn\u00e9es<\/b> : N\u00e9cessit\u00e9 de disposer de donn\u00e9es historiques fiables et accessibles, ainsi que de capteurs de qualit\u00e9 pour mesurer les indicateurs choisis.<\/li><li><b>L\u2019acceptabilit\u00e9<\/b> : Difficult\u00e9 \u00e0 expliquer et \u00e0 faire comprendre le fonctionnement, les avantages et les limites de cette assurance aux assureurs et assur\u00e9s.<\/li><li><b>L\u2019h\u00e9t\u00e9rog\u00e9n\u00e9it\u00e9 des pertes<\/b> : Les cons\u00e9quences d\u2019une catastrophe varient grandement selon les situations, rendant difficile la standardisation des indices.<\/li><\/ul>\t\t\t\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-11343cb e-flex e-con-boxed e-con e-parent\" data-id=\"11343cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8bb0e elementor-widget elementor-widget-spacer\" data-id=\"aa8bb0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c17026 elementor-widget elementor-widget-heading\" data-id=\"8c17026\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Comment envisagez-vous l\u2019\u00e9volution de l\u2019assurance param\u00e9trique face aux risques \u00e9mergents dans les prochaines ann\u00e9es ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5865d4f elementor-widget elementor-widget-text-editor\" data-id=\"5865d4f\" 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 id=\"ember5213\" class=\"ember-view reader-text-block__paragraph\">Son \u00e9volution devrait s\u2019appuyer sur l\u2019am\u00e9lioration des technologies de collecte et d\u2019analyse de donn\u00e9es (satellites, IoT, big data) et sur l\u2019intelligence artificielle pour affiner la construction des indices et la mod\u00e9lisation des risques. La d\u00e9mocratisation des smart contracts (blockchain) devrait aussi automatiser le versement des indemnit\u00e9s. L\u2019assurance param\u00e9trique deviendra ainsi un outil compl\u00e9mentaire, voire alternatif, \u00e0 l\u2019assurance indemnitaire, notamment pour des risques difficiles \u00e0 quantifier autrement, tels que les risques climatiques et cyber.<\/p>\t\t\t\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-f533cf7 e-flex e-con-boxed e-con e-parent\" data-id=\"f533cf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f859c23 elementor-widget elementor-widget-spacer\" data-id=\"f859c23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e4f810 elementor-widget elementor-widget-heading\" data-id=\"8e4f810\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Quelles solutions proposent Detralytics, votre cabinet de conseil en actuariat, data science et gestion des risques ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafd779 elementor-widget elementor-widget-text-editor\" data-id=\"bafd779\" 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 id=\"ember5216\" class=\"ember-view reader-text-block__paragraph\">Gr\u00e2ce \u00e0 ses travaux de recherche et actions op\u00e9rationnelles, Detralytics a d\u00e9velopp\u00e9 un ensemble de solutions pour accompagner les acteurs de l\u2019assurance face \u00e0 leurs d\u00e9fis en assurance param\u00e9trique. Parmi celles-ci :<\/p><ul><li><b>Conception de produits d\u2019assurance param\u00e9trique<\/b> : Notre expertise nous permet de concevoir des produits adapt\u00e9s \u00e0 divers risques, en limitant le risque de base et en r\u00e9pondant aux d\u00e9fis identifi\u00e9s.<\/li><li><b>Audit de produits existants<\/b><strong>\u00a0<\/strong>: Nous intervenons dans l\u2019\u00e9valuation et l\u2019optimisation des produits d\u2019assurance param\u00e9trique pour garantir leur fiabilit\u00e9 et leur efficacit\u00e9.<\/li><li><b>Formation des \u00e9quipes<\/b> : Nous proposons d\u2019accompagner nos clients dans la gestion et la commercialisation des produits d\u2019assurance param\u00e9trique d\u00e9velopp\u00e9s.<\/li><li><b>Suivi actuariel<\/b> : Ax\u00e9 vers l\u2019innovation, nous proposons des solutions de conseil en tarification, provisionnement et gestion des risques pour assurer la performance des produits param\u00e9triques.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1339535 elementor-widget elementor-widget-spacer\" data-id=\"1339535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\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-911b3d4 e-flex e-con-boxed e-con e-parent\" data-id=\"911b3d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5b227f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d5b227f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/03\/Pub-IARD-2025_DIGIT.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">T\u00e9l\u00e9charger l'article<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\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\t\t<\/div>",
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