{"id":126377,"date":"2018-09-03T14:50:17","date_gmt":"2018-09-03T13:50:17","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=126377"},"modified":"2018-09-03T14:50:17","modified_gmt":"2018-09-03T13:50:17","slug":"economie-fin-de-recreation-pour-les-banques-selon-un-expert","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/","title":{"rendered":"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert"},"content":{"rendered":"

Le dernier communiqu\u00e9 du Conseil d’Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture \u00e9conomique, financi\u00e8re et mon\u00e9taire. Intervenant dans Expresso<\/em> ce lundi 3 septembre 2018, l’expert \u00e9conomique, Hatem Za\u00e2ra, a affirm\u00e9 que l’institution a signal\u00e9 la fin de la r\u00e9cr\u00e9ation sur le plan bancaire. \u00ab\u00a0Les prochains mois seront difficiles pour le secteur bancaire\u00a0\u00bb,<\/em> a-t-il conc\u00e9d\u00e9.
\nL’expert a affirm\u00e9 qu’il faudra s’attendre \u00e0 ce que la BCT prenne des mesures fermes dans les prochains mois afin de faire face \u00e0 cette situation. \u00ab\u00a0L’institution a insist\u00e9 sur le fait que la croissance est menac\u00e9e par l’inflation. Avant la fin de l’ann\u00e9e, on pourrait s’attendre \u00e0 une hausse du taux directeur, voire deux hausses\u00a0\u00bb,<\/em> a-t-il expliqu\u00e9. La BCT s’est \u00e9galement exprim\u00e9e au sujet de la dette, des r\u00e9serves de changes, et du d\u00e9ficit colossal de la balance commercial, et l\u00e0 encore, des solutions doivent \u00eatre \u00e9labor\u00e9es. \u00ab\u00a0La dette ext\u00e9rieure repr\u00e9sente pr\u00e8s de 4,5 fois le montant des r\u00e9serves de change\u00a0\u00bb<\/em>, a pr\u00e9cis\u00e9 l’expert \u00e9conomique.<\/p>\n

\"\"<\/a>

Hatem Za\u00e2ra, expert en \u00e9conomie.<\/p><\/div>\n

Les banques lourdement sanctionn\u00e9es
\n<\/strong>Sur le plan bancaire,\u00a0Hatem Za\u00e2ra a indiqu\u00e9 que le taux de refinancement des banques a atteint les 16,5 milliards de dinars \u00e0 la fin du mois d’ao\u00fbt 2018. \u00ab\u00a0Du jamais vu\u00a0\u00bb,<\/em> selon lui. Dans ce contexte, la BCT a pr\u00e9vu de faire baisser la cadence au niveau du rythme d’achat de Bons de Tr\u00e9sor Assimilables (BTA). Le taux actuel en volume est de 60%. Il devrait passer, selon l’expert, \u00e0 40%. Par cons\u00e9quent, les banques ne seront plus encourag\u00e9es \u00e0 acheter de la tr\u00e9sorerie pour financer le budget de l’Etat. \u00ab\u00a0La BCT souhaite sans doute s’assurer une certaine ind\u00e9pendance, soulignant que l’Etat aura recours \u00e0 d’autres m\u00e9canismes pour financer son d\u00e9ficit\u00a0\u00bb<\/em>, a-t-il expliqu\u00e9.
\nD’autre part, l’expert \u00e9conomique a soulign\u00e9 que le taux de couverture des cr\u00e9dits par les d\u00e9p\u00f4ts sera compris entre 110 et 120%, ce qui va constituer un coup dur pour les banques. De fait, ces derni\u00e8res ne pourront plus accorder de cr\u00e9dits au cas o\u00f9 elles ne disposeront pas des liquidit\u00e9s n\u00e9cessaires assur\u00e9es par les d\u00e9p\u00f4ts des clients. \u00ab\u00a0Les cons\u00e9quences seront particuli\u00e8rement visibles au niveau des pr\u00eats \u00e0 la consommation qui seront sans doute revus \u00e0 la baisse\u00a0\u00bb<\/em>, a d\u00e9clar\u00e9\u00a0Hatem Za\u00e2ra.
\nAu sujet de la liquidit\u00e9 bancaire, l’expert a assur\u00e9 que la situation est d\u00e9licate et qu’elle se complique au fil des mois. \u00ab\u00a0D’ordinaire, ces liquidit\u00e9s proviennent de l’exportation et des investissements \u00e9trangers. Aujourd’hui, on voit mal des investisseurs \u00e9trangers venir en Tunisie compte tenu de la conjoncture actuelle. La situation g\u00e9n\u00e9rale n’encourage pas les Investissements directs \u00e9trangers (IDE), et elle va se compliquer dans les prochains mois\u00a0\u00bb<\/em>, a-t-il encore dit.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le dernier communiqu\u00e9 du Conseil d’Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture \u00e9conomique, financi\u00e8re et mon\u00e9taire. Intervenant dans…<\/p>\n","protected":false},"author":63,"featured_media":112643,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-126377","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"\nEconomie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realites.tn\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-03T13:50:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"F. K\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"F. K\" \/>\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:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/\",\"url\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/\",\"name\":\"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg\",\"datePublished\":\"2018-09-03T13:50:17+00:00\",\"author\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/b3afba69b900ae2df8b8e27e36667ca5\"},\"description\":\"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture\",\"breadcrumb\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage\",\"url\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg\",\"contentUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg\",\"width\":750,\"height\":460},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/realites.com.tn\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\",\"url\":\"https:\/\/realites.com.tn\/fr\/\",\"name\":\"R\u00e9alit\u00e9s Magazine\",\"description\":\"Actualit\u00e9s de la Tunisie\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/realites.com.tn\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/b3afba69b900ae2df8b8e27e36667ca5\",\"name\":\"F. K\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2b967ee0ee463a7822a89ffe3215a39c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2b967ee0ee463a7822a89ffe3215a39c?s=96&d=mm&r=g\",\"caption\":\"F. K\"},\"url\":\"https:\/\/realites.com.tn\/fr\/author\/fakhri-khlissa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine","description":"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture","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:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/","og_locale":"fr_FR","og_type":"article","og_title":"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine","og_description":"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture","og_url":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/","og_site_name":"R\u00e9alit\u00e9s Magazine","article_publisher":"https:\/\/www.facebook.com\/realites.tn\/","article_published_time":"2018-09-03T13:50:17+00:00","og_image":[{"width":750,"height":460,"url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg","type":"image\/jpeg"}],"author":"F. K","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"F. K","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/","url":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/","name":"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert - R\u00e9alit\u00e9s Magazine","isPartOf":{"@id":"https:\/\/realites.com.tn\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage"},"image":{"@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage"},"thumbnailUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg","datePublished":"2018-09-03T13:50:17+00:00","author":{"@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/b3afba69b900ae2df8b8e27e36667ca5"},"description":"Le dernier communiqu\u00e9 du Conseil d'Administration (CA) de la Banque Centrale de Tunisie (BCT) a \u00e9t\u00e9 des plus alarmants \u00e0 propos de la conjoncture","breadcrumb":{"@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#primaryimage","url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg","contentUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg","width":750,"height":460},{"@type":"BreadcrumbList","@id":"https:\/\/realites.com.tn\/fr\/economie-fin-de-recreation-pour-les-banques-selon-un-expert\/amp\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/realites.com.tn\/fr\/"},{"@type":"ListItem","position":2,"name":"Economie : fin de r\u00e9cr\u00e9ation pour les banques, selon un expert"}]},{"@type":"WebSite","@id":"https:\/\/realites.com.tn\/fr\/#website","url":"https:\/\/realites.com.tn\/fr\/","name":"R\u00e9alit\u00e9s Magazine","description":"Actualit\u00e9s de la Tunisie","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/realites.com.tn\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/b3afba69b900ae2df8b8e27e36667ca5","name":"F. K","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2b967ee0ee463a7822a89ffe3215a39c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2b967ee0ee463a7822a89ffe3215a39c?s=96&d=mm&r=g","caption":"F. K"},"url":"https:\/\/realites.com.tn\/fr\/author\/fakhri-khlissa\/"}]}},"jetpack_featured_media_url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2018\/04\/concept-de-recession-d-economie.jpg","jetpack_sharing_enabled":true,"views":40,"_links":{"self":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/126377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/users\/63"}],"replies":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/comments?post=126377"}],"version-history":[{"count":0,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/126377\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media\/112643"}],"wp:attachment":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media?parent=126377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/categories?post=126377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/tags?post=126377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}