{"id":32887,"date":"2015-03-21T14:00:28","date_gmt":"2015-03-21T13:00:28","guid":{"rendered":"http:\/\/www.realites.com.tn\/?p=32887"},"modified":"2015-03-21T09:16:29","modified_gmt":"2015-03-21T08:16:29","slug":"tunisie-un-deficit-de-10-milliards-de-dinars","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/","title":{"rendered":"Tunisie: Un d\u00e9ficit de 10 milliards de dinars"},"content":{"rendered":"
\"d\u00e9ficit<\/a>

d\u00e9ficit<\/p><\/div>\n

Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se doit l\u2019\u00e9conomie et les entreprises en Tunisie.<\/span><\/p>\n

Climat de l\u2019investissement d\u00e9favorable et manque de liquidit\u00e9s chez les banques sont \u00e0 l\u2019origine de ce d\u00e9ficit de cr\u00e9dits allou\u00e9s \u00e0 l\u2019\u00e9conomie.<\/span><\/p>\n

La moiti\u00e9 des banques tunisiennes \u00e9taient en infraction par rapport \u00e0 la r\u00e9glementation \u00e9dict\u00e9e par la BCT en mati\u00e8re de ratio de liquidit\u00e9.<\/span><\/p>\n

La BCT a d\u00fb injecter 7 milliards de dinars pour refinancer les banques en 2013 ce qui \u00e9quivaut \u00e0 8% du PIB soit plus de 40% de plus par rapport \u00e0 2012.<\/span><\/p>\n

La Banque mondiale estime que les banques tunisiennes sont confront\u00e9es \u00e0 des d\u00e9fis difficiles \u00e0 relever concernant la rentabilit\u00e9 des projets \u00e0 financer, ainsi que la qualit\u00e9 et la solvabilit\u00e9 des promoteurs car il y a une nette d\u00e9t\u00e9rioration.<\/span><\/p>\n

Il y a beaucoup \u00e0 faire en mati\u00e8re de gouvernance des banques publiques.<\/span><\/p>\n

Le taux de cr\u00e9ances douteuses qui a connu une croissance rapide ces derni\u00e8res ann\u00e9es est actuellement de 16% en moyenne, il n\u2019a jamais baiss\u00e9 en-dessous de 5% alors qu\u2019au Maroc il est de 3%.<\/span><\/p>\n

Il faut dire que le r\u00e9gime juridique des faillites est tr\u00e8s laxiste en Tunisie car il prot\u00e8ge les d\u00e9biteurs qui ne risquent pas de sanctions s\u00e9v\u00e8res.<\/span><\/p>\n

M. Gonnet reproche aux banquiers tunisiens d\u2019avoir des exigences excessives en mati\u00e8re de garanties des cr\u00e9dits. Le taux est de 180% par rapport aux montants des cr\u00e9dits.<\/span><\/p>\n

Par contre il y a un potentiel de micro-financement qui reste insatisfait.<\/span><\/p>\n

Les cr\u00e9dits consacr\u00e9s \u00e0 la micro-finance ne d\u00e9passent pas 25% de l\u2019ensemble.<\/p>\n","protected":false},"excerpt":{"rendered":"

Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se doit l\u2019\u00e9conomie et les entreprises…<\/p>\n","protected":false},"author":8,"featured_media":32888,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,6],"tags":[],"class_list":["post-32887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nTunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se\" \/>\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\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/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=\"2015-03-21T13:00:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"236\" \/>\n\t<meta property=\"og:image:height\" content=\"214\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ridha Lahmar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ridha Lahmar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/\",\"url\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/\",\"name\":\"Tunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg\",\"datePublished\":\"2015-03-21T13:00:28+00:00\",\"author\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/448bae9b243d60706de071db1a99d638\"},\"description\":\"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se\",\"breadcrumb\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage\",\"url\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg\",\"contentUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg\",\"width\":236,\"height\":214,\"caption\":\"d\u00e9ficit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/realites.com.tn\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tunisie: Un d\u00e9ficit de 10 milliards de dinars\"}]},{\"@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\/448bae9b243d60706de071db1a99d638\",\"name\":\"Ridha Lahmar\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8c23efeb4e6564340075bbda93de1a36?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8c23efeb4e6564340075bbda93de1a36?s=96&d=mm&r=g\",\"caption\":\"Ridha Lahmar\"},\"url\":\"https:\/\/realites.com.tn\/fr\/author\/ridha-lahmar\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine","description":"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se","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\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/","og_locale":"fr_FR","og_type":"article","og_title":"Tunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine","og_description":"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se","og_url":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/","og_site_name":"R\u00e9alit\u00e9s Magazine","article_publisher":"https:\/\/www.facebook.com\/realites.tn\/","article_published_time":"2015-03-21T13:00:28+00:00","og_image":[{"width":236,"height":214,"url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg","type":"image\/jpeg"}],"author":"Ridha Lahmar","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ridha Lahmar","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/","url":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/","name":"Tunisie: Un d\u00e9ficit de 10 milliards de dinars - R\u00e9alit\u00e9s Magazine","isPartOf":{"@id":"https:\/\/realites.com.tn\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage"},"image":{"@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage"},"thumbnailUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg","datePublished":"2015-03-21T13:00:28+00:00","author":{"@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/448bae9b243d60706de071db1a99d638"},"description":"Selon Laurent Gonnet, expert financier \u00e0 la Banque Mondiale sp\u00e9cialis\u00e9 dans la r\u00e9gion MENA, il manque 10 milliards de dollars pour financer comme il se","breadcrumb":{"@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#primaryimage","url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg","contentUrl":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg","width":236,"height":214,"caption":"d\u00e9ficit"},{"@type":"BreadcrumbList","@id":"https:\/\/realites.com.tn\/fr\/tunisie-un-deficit-de-10-milliards-de-dinars\/amp\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/realites.com.tn\/fr\/"},{"@type":"ListItem","position":2,"name":"Tunisie: Un d\u00e9ficit de 10 milliards de dinars"}]},{"@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\/448bae9b243d60706de071db1a99d638","name":"Ridha Lahmar","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8c23efeb4e6564340075bbda93de1a36?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8c23efeb4e6564340075bbda93de1a36?s=96&d=mm&r=g","caption":"Ridha Lahmar"},"url":"https:\/\/realites.com.tn\/fr\/author\/ridha-lahmar\/"}]}},"jetpack_featured_media_url":"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2015\/03\/d\u00e9ficit.jpg","jetpack_sharing_enabled":true,"views":27,"_links":{"self":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/32887","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/comments?post=32887"}],"version-history":[{"count":0,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/posts\/32887\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media\/32888"}],"wp:attachment":[{"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/media?parent=32887"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/categories?post=32887"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realites.com.tn\/fr\/wp-json\/wp\/v2\/tags?post=32887"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}