{"id":6504,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/taux-escompte\/"},"modified":"2021-02-26T08:04:58","modified_gmt":"2021-02-26T08:04:58","slug":"disc","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/disc\/","title":{"rendered":"TAUX.ESCOMPTE"},"content":{"rendered":"

La fonction TAUX.ESCOMPTE<\/strong> dans Microsoft Excel et DISC<\/strong> dans Google Sheets est con\u00e7ue pour calculer le taux d’escompte d’un investissement. Cette fonction est essentielle dans le secteur financier pour \u00e9valuer le rendement de diff\u00e9rents instruments financiers tels que les obligations et les bons du Tr\u00e9sor \u00e0 escompte. Avant de vous pr\u00e9senter des exemples pratiques, d\u00e9taillons d’abord la syntaxe et les param\u00e8tres n\u00e9cessaires \u00e0 son utilisation efficace.<\/p>\n

D\u00e9tail de la Syntaxe et des Param\u00e8tres<\/h2>\n

La syntaxe de la fonction TAUX.ESCOMPTE<\/code> pour Excel est :<\/p>\n

TAUX.ESCOMPTE(date_achat, date_\u00e9ch\u00e9ance, prix, valeur_nominal, [base])<\/code><\/pre>\n
    \n
  • date_achat<\/strong> : La date \u00e0 laquelle le titre est acquis.<\/li>\n
  • date_\u00e9ch\u00e9ance<\/strong> : La date \u00e0 laquelle le titre arrive \u00e0 maturit\u00e9 et sera rembours\u00e9.<\/li>\n
  • prix<\/strong> : Le prix d’achat du titre pour une valeur nominale de 100\u20ac.<\/li>\n
  • valeur_nominal<\/strong> : La valeur \u00e0 laquelle le titre est rembours\u00e9 pour 100\u20ac de nominal.<\/li>\n
  • base<\/strong> (optionnel) : Conventions de calcul des jours. Par d\u00e9faut, cette valeur est 0, repr\u00e9sentant la m\u00e9thode 30\/360.<\/li>\n<\/ul>\n
    Dans Google Sheets, la m\u00eame fonction s\u2019utilise avec une syntaxe l\u00e9g\u00e8rement diff\u00e9rente :<\/p>\n
    DISC(date_achat, date_\u00e9ch\u00e9ance, prix, valeur_nominal, [convention_jours])<\/code><\/pre>\n
    Les param\u00e8tres sont similaires, seule la d\u00e9nomination varie l\u00e9g\u00e8rement.<\/p>\n
    Exemples Pratiques<\/h2>\n
    Calcul du Taux d’Escompte d’un Bon du Tr\u00e9sor<\/h2>\n
    Prenons l’exemple d\u2019un bon du Tr\u00e9sor que vous souhaitez analyser :<\/p>\n
      \n
    • Date d’achat : 1er janvier 2020<\/li>\n
    • Date de maturit\u00e9 : 1er juillet 2020<\/li>\n
    • Prix d’achat : 97\u20ac (pour une valeur nominale de 100\u20ac)<\/li>\n
    • Valeur de remboursement : 100\u20ac<\/li>\n<\/ul>\n
      =TAUX.ESCOMPTE(\"01-01-2020\", \"01-07-2020\", 97, 100)<\/code><\/pre>\n
      Cette formule vous donnera le taux d’escompte pour le bon, achet\u00e9 d\u00e9but janvier et rembours\u00e9 d\u00e9but juillet.<\/p>\n
      Utilisation pour Comparer des Rendements d’Investissements<\/h2>\n
      Imaginons un investisseur qui analyse deux bons diff\u00e9rents :<\/p>\n\n\n\n\n
      Bon<\/th>\nDate d’Achat<\/th>\nDate de Maturit\u00e9<\/th>\nPrix<\/th>\nValeur de Remboursement<\/th>\n<\/tr>\n
      Bon A<\/td>\n1er avril 2020<\/td>\n1er octobre 2020<\/td>\n95\u20ac<\/td>\n100\u20ac<\/td>\n<\/tr>\n
      Bon B<\/td>\n1er avril 2020<\/td>\n1er d\u00e9cembre 2020<\/td>\n94\u20ac<\/td>\n100\u20ac<\/td>\n<\/tr>\n<\/table>\n
      =TAUX.ESCOMPTE(\"01-04-2020\", \"01-10-2020\", 95, 100) =TAUX.ESCOMPTE(\"01-04-2020\", \"01-12-2020\", 94, 100)<\/code><\/pre>\n
      Ces calculs permettront de d\u00e9terminer quel bon offre le rendement le plus avantageux en fonction de leur taux d’escompte.<\/p>\n
      En conclusion, la fonction TAUX.ESCOMPTE<\/strong> ou DISC<\/strong> est un outil pr\u00e9cieux pour les professionnels de la finance qui souhaitent analyser le rendement d’investissements en titres \u00e0 escompte. Elle offre une perspective claire et rapide sur la performance d’un investissement sur sa p\u00e9riode de d\u00e9tention, aidant ainsi \u00e0 prendre des d\u00e9cisions bien inform\u00e9es.<\/p>\n","protected":false},"excerpt":{"rendered":"
      CalCule le taux d\u2019esCompte d\u2019une transaCtion<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[311],"tags":[],"class_list":["post-6504","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/fr\/disc\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe\" \/>\n<meta property=\"og:description\" content=\"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/fr\/disc\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-26T08:04:58+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/fr\/disc\/\",\"url\":\"https:\/\/functiontranslator.com\/fr\/disc\/\",\"name\":\"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:48+00:00\",\"dateModified\":\"2021-02-26T08:04:58+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/fr\/disc\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/fr\/disc\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/fr\/disc\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Fonctions Excel\",\"item\":\"https:\/\/functiontranslator.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finances\",\"item\":\"https:\/\/functiontranslator.com\/fr\/finances\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"TAUX.ESCOMPTE\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/fr\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe","description":"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.","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:\/\/functiontranslator.com\/fr\/disc\/","og_locale":"fr_FR","og_type":"article","og_title":"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe","og_description":"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.","og_url":"https:\/\/functiontranslator.com\/fr\/disc\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:48+00:00","article_modified_time":"2021-02-26T08:04:58+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe","twitter_misc":{"\u00c9crit par":"glavadmin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/fr\/disc\/","url":"https:\/\/functiontranslator.com\/fr\/disc\/","name":"Fonction DISC (TAUX.ESCOMPTE) dans Excel : comment \u00e7a marche, exemples et syntaxe","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:48+00:00","dateModified":"2021-02-26T08:04:58+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Pr\u00e9sentation de la fonction DISC (TAUX.ESCOMPTE) d\u2019Excel et Google Sheets. Syntaxe d\u00e9taill\u00e9e et exemples pratiques d'utilisation.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/fr\/disc\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/fr\/disc\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/fr\/disc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Fonctions Excel","item":"https:\/\/functiontranslator.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Finances","item":"https:\/\/functiontranslator.com\/fr\/finances\/"},{"@type":"ListItem","position":3,"name":"TAUX.ESCOMPTE"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/fr\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/posts\/6504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/comments?post=6504"}],"version-history":[{"count":2,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/posts\/6504\/revisions"}],"predecessor-version":[{"id":29516,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/posts\/6504\/revisions\/29516"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/media?parent=6504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/categories?post=6504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/fr\/wp-json\/wp\/v2\/tags?post=6504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}