A concise French-language professional guide focused on credit risk and the methods used to secure or guarantee exposure in lending and insurance contexts. The title indicates a practical treatment of how financial institutions, insurers, brokers, and risk professionals can identify, assess, and mitigate the possibility that borrowers or counterparties fail to meet obligations. Presented in a compact format, the work appears intended for practitioners seeking a clear overview of credit-risk controls, guarantees, collateral, underwriting considerations, and risk-transfer mechanisms. Its value lies in offering a specialized reference point for professionals working at the intersection of financial services and risk management, rather than a broad introduction to general economics.