{"id":387634,"date":"2026-05-08T10:39:34","date_gmt":"2026-05-08T09:39:34","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=387634"},"modified":"2026-05-08T10:39:34","modified_gmt":"2026-05-08T09:39:34","slug":"le-conseil-scientifique-de-la-conect-publie-son-deuxieme-policy-brief-pme-tunisiennes-piegees-par-le-cash-diagnostic-et-propositions","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/le-conseil-scientifique-de-la-conect-publie-son-deuxieme-policy-brief-pme-tunisiennes-piegees-par-le-cash-diagnostic-et-propositions\/","title":{"rendered":"Le Conseil Scientifique de la CONECT publie son deuxi\u00e8me Policy Brief\u00a0\u00ab\u00a0PME Tunisiennes : Pi\u00e9g\u00e9es par le Cash\u00a0\u00bb \u2014 Diagnostic et propositions"},"content":{"rendered":"<p>La Conf\u00e9d\u00e9ration des Entreprises Citoyennes de Tunisie (CONECT) publie le deuxi\u00e8me Policy Brief de son Conseil Scientifique, consacr\u00e9 \u00e0 l\u2019impact de la \u00ab cashification \u00bb de l\u2019\u00e9conomie sur le financement des PME.<\/p>\n<p><strong>UN PARADOXE MON\u00c9TAIRE IN\u00c9DIT<\/strong><\/p>\n<p>Au 31 d\u00e9cembre 2025, l\u2019\u00e9conomie tunisienne pr\u00e9sente un tableau mon\u00e9taire sans pr\u00e9c\u00e9dent : les billets en circulation atteignent 26,9 milliards de dinars (+19% en glissement annuel) tandis que le cr\u00e9dit aux entreprises ne progresse que de +2,8%, soit un recul en termes r\u00e9els face \u00e0 une inflation de 5%.<\/p>\n<div>\n<p><em>Le Policy Brief d\u00e9montre que 74% de la hausse de la monnaie fiduciaire rel\u00e8ve de dynamiques non-inflationnistes : substitution ch\u00e8ques\u2192cash, cadre r\u00e9glementaire, fuite fiscale, d\u00e9sinterm\u00e9diation bancaire et rationnement du cr\u00e9dit.<\/em><\/p>\n<\/div>\n<p><strong>UN QUINTUPLE \u00c9TAU SUR LES PME\u00a0<\/strong><\/p>\n<p>L\u2019analyse identifie cinq contraintes convergentes qui compriment simultan\u00e9ment le financement des PME : la r\u00e9forme des ch\u00e8ques, le rationnement du cr\u00e9dit, le cadre r\u00e9glementaire pro-cash, l\u2019\u00e9largissement de l\u2019assiette fiscale, et l\u2019effet d\u2019\u00e9viction par le financement souverain.<\/p>\n<p><strong>UNE APPROCHE CONSTRUCTIVE<\/strong><\/p>\n<p>La CONECT pr\u00e9cise que ce Policy Brief ne remet en cause ni la l\u00e9gitimit\u00e9 ni la n\u00e9cessit\u00e9 des r\u00e9formes engag\u00e9es. Il analyse les effets d\u2019interaction non anticip\u00e9s de leur mise en \u0153uvre simultan\u00e9e et propose 8 mesures d\u2019accompagnement, dont un dispositif d\u2019affacturage facilit\u00e9, des incitations au paiement digital, et un observatoire permanent du financement PME.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Conf\u00e9d\u00e9ration des Entreprises Citoyennes de Tunisie (CONECT) publie le deuxi\u00e8me Policy Brief de son Conseil Scientifique, consacr\u00e9 \u00e0 l\u2019impact de la \u00ab cashification \u00bb de l\u2019\u00e9conomie sur le financement&hellip;<\/p>\n","protected":false},"author":60,"featured_media":216409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[2572],"class_list":["post-387634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-conect"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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