{"id":133983,"date":"2018-12-10T12:28:13","date_gmt":"2018-12-10T11:28:13","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=133983"},"modified":"2018-12-10T12:28:13","modified_gmt":"2018-12-10T11:28:13","slug":"moins-de-credits-bancaires-et-moins-de-rouge-les-explications-dahmed-el-karam","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/moins-de-credits-bancaires-et-moins-de-rouge-les-explications-dahmed-el-karam\/","title":{"rendered":"Moins de cr\u00e9dits bancaires et moins de \u00ab\u00a0rouge\u00a0\u00bb : les explications d&rsquo;Ahmed El Karam"},"content":{"rendered":"<p>Pour tenter de rem\u00e9dier au casse-t\u00eate de l&rsquo;inflation, la Banque Centrale de Tunisie (BCT) a annonc\u00e9 un durcissement de sa politique mon\u00e9taire, qui obligera, entre-autres, les banques commerciales \u00e0 accorder moins de cr\u00e9dits et \u00e0 durcir la politique du d\u00e9couvert bancaire (le fameux rouge). Intervenant dans <em>Sbah El Ward<\/em> ce lundi 10 d\u00e9cembre 2018, le pr\u00e9sident de l&rsquo;Association Professionnelle tunisienne des banques et des \u00e9tablissements commerciaux (APTBEF) et pr\u00e9sident du directoire d&rsquo;Amen Bank, Ahmed El Karam, a assur\u00e9 que ce ne sont pas les banques qui ne souhaitent plus accorder des cr\u00e9dits et un d\u00e9couvert bancaire aux clients. <em>\u00ab\u00a0La BCT a durci sa politique. Les banques doivent financer les cr\u00e9dits qu&rsquo;elle octroie aupr\u00e8s de la BCT \u00e9tant donn\u00e9 qu&rsquo;il existe un probl\u00e8me de liquidit\u00e9 dans le pays\u00a0\u00bb<\/em>, a-t-il d\u00e9clar\u00e9, ajoutant que l&rsquo;ancienne politique a stimul\u00e9 l&rsquo;inflation qui a atteint actuellement les 7,4%.<br \/>\nSi l&rsquo;inflation a augment\u00e9, poursuit-il, c&rsquo;est parce que la production n&rsquo;a pas \u00e9volu\u00e9 comme il se doit en Tunisie. Ajout\u00e9s \u00e0 cela la faible croissance \u00e9conomique, la hausse des salaires et le recours aux cr\u00e9dits bancaires et aux d\u00e9couverts bancaires. Dans ce contexte, la BCT joue pleinement son r\u00f4le selon Ahmed El Karam, qui consiste \u00e0 faire baisser l&rsquo;inflation. Ceci passe par le biais de la baisse du volume des cr\u00e9dits bancaires, d&rsquo;autant plus que la BCT a instaur\u00e9 un nouveau ratio cr\u00e9dits-d\u00e9p\u00f4t. Conform\u00e9ment \u00e0 cette nouvelle mesure, les banques commerciales ne pourront plus octroyer des cr\u00e9dits que dans le cas o\u00f9 ce ratio ne d\u00e9passe pas les 120%.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour tenter de rem\u00e9dier au casse-t\u00eate de l&rsquo;inflation, la Banque Centrale de Tunisie (BCT) a annonc\u00e9 un durcissement de sa politique mon\u00e9taire, qui obligera, entre-autres, les banques commerciales \u00e0 accorder&hellip;<\/p>\n","protected":false},"author":63,"featured_media":67194,"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-133983","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>Moins de cr\u00e9dits bancaires et moins de &quot;rouge&quot; : les explications d&#039;Ahmed El Karam - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Pour tenter de rem\u00e9dier au casse-t\u00eate de l&#039;inflation, la Banque Centrale de Tunisie (BCT) a annonc\u00e9 un durcissement de sa politique mon\u00e9taire, qui\" \/>\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\/moins-de-credits-bancaires-et-moins-de-rouge-les-explications-dahmed-el-karam\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moins de cr\u00e9dits bancaires et moins de &quot;rouge&quot; : les explications d&#039;Ahmed El Karam - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"Pour tenter de rem\u00e9dier au casse-t\u00eate de l&#039;inflation, la Banque Centrale de Tunisie (BCT) a annonc\u00e9 un durcissement de sa politique mon\u00e9taire, qui\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/moins-de-credits-bancaires-et-moins-de-rouge-les-explications-dahmed-el-karam\/\" \/>\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=\"2018-12-10T11:28:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2016\/07\/inflation-07072016.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"423\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"F. 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