{"id":361696,"date":"2025-06-27T18:43:01","date_gmt":"2025-06-27T17:43:01","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=361696"},"modified":"2025-06-27T18:43:01","modified_gmt":"2025-06-27T17:43:01","slug":"financement-lorientation-des-credits-bancaires-en-question","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/financement-lorientation-des-credits-bancaires-en-question\/","title":{"rendered":"Financement : L&rsquo;orientation des cr\u00e9dits bancaires en question"},"content":{"rendered":"<p>Les derni\u00e8res donn\u00e9es du Conseil des march\u00e9s financiers r\u00e9v\u00e8lent une situation bancaire qui interpelle. Au 31 d\u00e9cembre 2024, les trois principales banques publiques tunisiennes &#8211; la BNA, la BH Bank et la STB &#8211; n&rsquo;ont consacr\u00e9 que 13,88% de leurs cr\u00e9dits aux secteurs strat\u00e9giques, soit 5,859 milliards de dinars sur un encours total de 42,2 milliards. Ce constat soul\u00e8ve des questions sur l&rsquo;ad\u00e9quation entre les politiques de cr\u00e9dit et les besoins r\u00e9els du pays.<br \/>\n<strong>Des secteurs vitaux sous-financ\u00e9s<br \/>\n<\/strong>L&rsquo;analyse des chiffres montre des d\u00e9s\u00e9quilibres flagrants. Le secteur agricole, pourtant crucial pour la s\u00e9curit\u00e9 alimentaire, ne b\u00e9n\u00e9ficie que de 1,168 milliard de dinars, repr\u00e9sentant seulement 7,19% des pr\u00eats accord\u00e9s. Le logement, autre priorit\u00e9 sociale, capte 13,66% des financements. Quant aux institutions publiques strat\u00e9giques, elles doivent se contenter de moins du quart des cr\u00e9dits octroy\u00e9s par la STB. Dans le m\u00eame temps, les banques orientent massivement leurs financements vers la consommation, le tourisme et les activit\u00e9s industrielles, au d\u00e9triment des secteurs consid\u00e9r\u00e9s comme prioritaires par les autorit\u00e9s.<br \/>\n<strong>Le poids des cr\u00e9ances douteuses<br \/>\n<\/strong>La situation se complique lorsqu&rsquo;on examine le dossier des pr\u00eats non performants. Les trois \u00e9tablissements publics cumulent 6,8 milliards de dinars de cr\u00e9ances douteuses, un montant \u00e9quivalent \u00e0 51% des recettes attendues du m\u00e9canisme de r\u00e9conciliation p\u00e9nale. La STB d\u00e9tient la part la plus importante avec 3,159 milliards de dinars, suivie de la BH Bank (2,048 milliards) et de la BNA (1,667 milliards). Ces cr\u00e9ances probl\u00e9matiques limitent la capacit\u00e9 des banques \u00e0 jouer pleinement leur r\u00f4le dans le financement de l&rsquo;\u00e9conomie.<br \/>\nLe m\u00e9canisme de r\u00e9conciliation p\u00e9nale, r\u00e9vis\u00e9 en 2024, pr\u00e9voit d&rsquo;affecter 80% des sommes recouvr\u00e9es au d\u00e9veloppement des r\u00e9gions les plus d\u00e9favoris\u00e9es. Les observateurs \u00e9conomiques appellent quant \u00e0 eux \u00e0 une r\u00e9vision des politiques de cr\u00e9dit pour mieux aligner les financements sur les priorit\u00e9s nationales. Alors que la Tunisie affronte des d\u00e9fis structurels majeurs, la question du r\u00f4le des banques publiques dans le d\u00e9veloppement du pays reste plus que jamais d&rsquo;actualit\u00e9. Les prochains mois seront d\u00e9terminants pour voir si les orientations \u00e9voluent vers un meilleur \u00e9quilibre entre rentabilit\u00e9 financi\u00e8re et utilit\u00e9 \u00e9conomique et sociale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les derni\u00e8res donn\u00e9es du Conseil des march\u00e9s financiers r\u00e9v\u00e8lent une situation bancaire qui interpelle. Au 31 d\u00e9cembre 2024, les trois principales banques publiques tunisiennes &#8211; la BNA, la BH Bank&hellip;<\/p>\n","protected":false},"author":81,"featured_media":317056,"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-361696","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>Financement : L&#039;orientation des cr\u00e9dits bancaires en question - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Les derni\u00e8res donn\u00e9es du Conseil des march\u00e9s financiers r\u00e9v\u00e8lent une situation bancaire qui interpelle. 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