{"id":126581,"date":"2018-09-06T09:39:42","date_gmt":"2018-09-06T08:39:42","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=126581"},"modified":"2018-09-06T09:39:42","modified_gmt":"2018-09-06T08:39:42","slug":"les-banques-naccorderont-plus-de-prets-comme-avant","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/les-banques-naccorderont-plus-de-prets-comme-avant\/","title":{"rendered":"Les banques n&rsquo;accorderont plus de pr\u00eats comme avant ?"},"content":{"rendered":"<p>L&rsquo;expert comptable Walid Ben Salah a fait savoir sur sa page officielle Facbeook que la BCT publiera dans les prochains jours une circulaire qui pr\u00e9voit l&rsquo;obligation pour les banques de respecter un nouveau ratio Cr\u00e9dits\/ D\u00e9p\u00f4ts qui ne doit pas d\u00e9passer 110%, soulignant que la plupart des banques sont d\u00e9j\u00e0 en d\u00e9passement important dudit ratio. De ce fait, elles seraient dans l&rsquo;obligation de limiter l&rsquo;octroi de nouveaux cr\u00e9dits, d&rsquo;am\u00e9liorer le recouvrement et la collecte des d\u00e9p\u00f4ts.<br \/>\nSelon le m\u00eame expert, l&rsquo;\u00e9tau se resserre de plus en plus sur les banques \u00e9tant donn\u00e9 qu&rsquo;au cours\u00a0des derni\u00e8res semaines la BCT avait d\u00e9j\u00e0 publi\u00e9 la circulaire 2018-06 qui d\u00e9finit de nouvelles r\u00e8gles de calcul du ratio de solvabilit\u00e9 des banques et qui prend en compte, pour la premi\u00e8re fois, les risques du march\u00e9 (change et taux d&rsquo;int\u00e9r\u00eat), et qui exclut certains \u00e9l\u00e9ments du calcul des fonds propres des banques et sanctionne les d\u00e9passements de certains seuils r\u00e9glementaires notamment des participations prises hors secteur bancaire et fin<span class=\"text_exposed_show\">ancier. \u00ab\u00a0<em>Le respect des exigences de la nouvelle circulaire n\u00e9cessite l&rsquo;augmentation des fonds propres de la plupart des banques (augmentation de capital, limitation de la distribution des dividendes, lancement d&#8217;emprunts subordonn\u00e9s &#8211; si liquidit\u00e9 il y a ! &#8211; etc) et\/ou la limitation de l&rsquo;octroi des cr\u00e9dits et de l&rsquo;exposition aux risques de march\u00e9, notamment de change (financement du commerce ext\u00e9rieur). L<\/em><\/span><em>a BCT a d\u00e9cid\u00e9 \u00e9galement de limiter le volume des BTA pr\u00e9sent\u00e9s au refinancement \u00e0 40% au lieu de 60%, incitant ainsi les banques \u00e0 ne plus financer le d\u00e9ficit du budget de l&rsquo;Etat et\/ou ne plus user de cet instrument (consid\u00e9r\u00e9 comme privil\u00e9gi\u00e9 jusqu&rsquo;\u00e0 pr\u00e9sent) pour se re-financer aupr\u00e8s de la BCT. La pr\u00e9sentation de papier de qualit\u00e9 devient la r\u00e8gle de refinancement; ce qui incite les banques \u00e0 accorder plut\u00f4t des cr\u00e9dits re-finan\u00e7ables (financement de l&rsquo;\u00e9conomie) au lieu des autres formes de cr\u00e9dits non re-finan\u00e7ables (d\u00e9couvert, cr\u00e9dits \u00e0 la consommation, etc) et\/ou limiter les octrois de cr\u00e9dits aux bons profils de risques et selon les formes les plus ad\u00e9quates.\u00a0\u00bb<\/em>a-t-il \u00e9crit.<br \/>\nCes mesures de la BCT ont \u00e9t\u00e9 accueillis positivement par plusieurs analystes pour qui ces mesures, bien qu&rsquo;elles soient insuffisantes, sont n\u00e9cessaires pour la mise \u00e0 niveau du secteur bancaire, d&rsquo;autant plus qu&rsquo;elles incitent les banques \u00e0 revoir leur politique de gestion et \u00e0 renforcer leurs ratios de liquidit\u00e9 par leurs fonds propres.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;expert comptable Walid Ben Salah a fait savoir sur sa page officielle Facbeook que la BCT publiera dans les prochains jours une circulaire qui pr\u00e9voit l&rsquo;obligation pour les banques de&hellip;<\/p>\n","protected":false},"author":70,"featured_media":114531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-126581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les banques n&#039;accorderont plus de pr\u00eats comme avant ? 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