{"id":365088,"date":"2025-07-31T10:43:28","date_gmt":"2025-07-31T09:43:28","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=365088"},"modified":"2025-07-31T10:43:28","modified_gmt":"2025-07-31T09:43:28","slug":"banque-postale-ce-que-lon-sait-du-projet-de-loi-en-discussion","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/banque-postale-ce-que-lon-sait-du-projet-de-loi-en-discussion\/","title":{"rendered":"Banque postale: ce que l\u2019on sait du projet de loi en discussion"},"content":{"rendered":"<p data-start=\"208\" data-end=\"588\">Une proposition de loi portant sur la cr\u00e9ation d\u2019une banque postale en Tunisie a \u00e9t\u00e9 d\u00e9pos\u00e9e le 15 juillet courant \u00e0 l\u2019Assembl\u00e9e des repr\u00e9sentants du peuple (ARP) sous le num\u00e9ro 82 de l\u2019ann\u00e9e 2025. Port\u00e9e par le d\u00e9put\u00e9 Mohamed Zied Maher et soutenue par 21 d\u00e9put\u00e9s issus de diff\u00e9rents blocs parlementaires, cette initiative est actuellement \u00e0 l\u2019\u00e9tude au sein de la Commission des finances et du budget.<\/p>\n<p data-start=\"626\" data-end=\"799\">La proposition l\u00e9gislative comporte onze articles. Elle d\u00e9finit les missions et les modalit\u00e9s de fonctionnement de la future banque postale. Parmi ses activit\u00e9s envisag\u00e9es :<\/p>\n<ul data-start=\"801\" data-end=\"999\">\n<li data-start=\"801\" data-end=\"847\">\n<p data-start=\"803\" data-end=\"847\">Ouverture de comptes courants et d\u2019\u00e9pargne ;<\/p>\n<\/li>\n<li data-start=\"848\" data-end=\"896\">\n<p data-start=\"850\" data-end=\"896\">R\u00e9alisation d\u2019op\u00e9rations financi\u00e8res de base ;<\/p>\n<\/li>\n<li data-start=\"897\" data-end=\"938\">\n<p data-start=\"899\" data-end=\"938\">Octroi de cr\u00e9dits \u00e0 faibles garanties ;<\/p>\n<\/li>\n<li data-start=\"939\" data-end=\"999\">\n<p data-start=\"941\" data-end=\"999\">Application de taux pr\u00e9f\u00e9rentiels aux populations cibl\u00e9es.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1001\" data-end=\"1228\">L\u2019objectif principal, selon les initiateurs, est de favoriser l\u2019inclusion financi\u00e8re des cat\u00e9gories sociales exclues ou marginalis\u00e9es par le syst\u00e8me bancaire traditionnel, notamment les foyers \u00e0 revenus modestes ou irr\u00e9guliers.<\/p>\n<p data-start=\"1269\" data-end=\"1576\">Le texte s\u2019appuie sur l\u2019infrastructure d\u00e9j\u00e0 existante de la Poste tunisienne : un r\u00e9seau national de bureaux, des guichets, du personnel qualifi\u00e9, des cartes de retrait et des distributeurs automatiques. \u00c0 ce jour, la Poste tunisienne est d\u00e9j\u00e0 l\u2019un des principaux op\u00e9rateurs en mati\u00e8re de comptes d\u2019\u00e9pargne.<\/p>\n<p data-start=\"1610\" data-end=\"1882\">La proposition pr\u00e9voit une augmentation de capital de 60 millions de dinars, qui serait financ\u00e9e par l\u2019\u00c9tat sur une p\u00e9riode de quatre ans. La participation \u00e9ventuelle de banques publiques ou d\u2019autres \u00e9tablissements publics au capital de la banque postale n\u2019est pas exclue.<\/p>\n<p data-start=\"1914\" data-end=\"2063\">Le bureau de l\u2019ARP a approuv\u00e9 la proposition sur la forme et l\u2019a renvoy\u00e9e \u00e0 la Commission des finances et du budget. Cette derni\u00e8re devra d\u00e9sormais :<\/p>\n<ul data-start=\"2065\" data-end=\"2402\">\n<li data-start=\"2065\" data-end=\"2101\">\n<p data-start=\"2067\" data-end=\"2101\">Examiner le texte dans le d\u00e9tail ;<\/p>\n<\/li>\n<li data-start=\"2102\" data-end=\"2139\">\n<p data-start=\"2104\" data-end=\"2139\">\u00c9tablir un calendrier d\u2019auditions ;<\/p>\n<\/li>\n<li data-start=\"2140\" data-end=\"2402\">\n<p data-start=\"2142\" data-end=\"2192\">Consulter les institutions concern\u00e9es, notamment :<\/p>\n<ul data-start=\"2195\" data-end=\"2402\">\n<li data-start=\"2195\" data-end=\"2228\">\n<p data-start=\"2197\" data-end=\"2228\">La Banque centrale de Tunisie ;<\/p>\n<\/li>\n<li data-start=\"2231\" data-end=\"2273\">\n<p data-start=\"2233\" data-end=\"2273\">Le Conseil bancaire et financier (CBF) ;<\/p>\n<\/li>\n<li data-start=\"2276\" data-end=\"2309\">\n<p data-start=\"2278\" data-end=\"2309\">La Pr\u00e9sidence du gouvernement ;<\/p>\n<\/li>\n<li data-start=\"2312\" data-end=\"2341\">\n<p data-start=\"2314\" data-end=\"2341\">Le minist\u00e8re du Transport ;<\/p>\n<\/li>\n<li data-start=\"2344\" data-end=\"2367\">\n<p data-start=\"2346\" data-end=\"2367\">La Poste tunisienne ;<\/p>\n<\/li>\n<li data-start=\"2370\" data-end=\"2402\">\n<p data-start=\"2372\" data-end=\"2402\">L\u2019Autorit\u00e9 de la microfinance.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-start=\"2455\" data-end=\"2920\">Le projet de cr\u00e9ation d\u2019une banque postale intervient parall\u00e8lement \u00e0 un autre texte : le projet de loi sur la lutte contre l\u2019exclusion financi\u00e8re, d\u00e9pos\u00e9 en 2024 par la Pr\u00e9sidence du gouvernement et toujours en attente d\u2019examen. Ce dernier vise \u00e0 encadrer les services bancaires \u00e0 destination des populations exclues. Il pr\u00e9voit que les r\u00e8gles appliqu\u00e9es aux institutions priv\u00e9es de microfinance s\u2019appliqueraient \u00e9galement, en principe, \u00e0 la future banque postale.<\/p>\n<p data-start=\"2455\" data-end=\"2920\">Pour en savoir plus, cliquer ici: <a href=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/07\/Projet-de-loi-banque-postale.pdf\">Projet-de-loi-banque-postale<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une proposition de loi portant sur la cr\u00e9ation d\u2019une banque postale en Tunisie a \u00e9t\u00e9 d\u00e9pos\u00e9e le 15 juillet courant \u00e0 l\u2019Assembl\u00e9e des repr\u00e9sentants du peuple (ARP) sous le num\u00e9ro&hellip;<\/p>\n","protected":false},"author":60,"featured_media":363390,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,4],"tags":[],"class_list":["post-365088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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