{"id":128241,"date":"2024-10-16T09:21:35","date_gmt":"2024-10-16T08:21:35","guid":{"rendered":"https:\/\/lexpertjournal.net\/?p=128241"},"modified":"2024-10-16T09:21:35","modified_gmt":"2024-10-16T08:21:35","slug":"la-revente-a-perte-et-la-reforme-du-code-de-commerce-du-2-aout-2024-une-question-de-legalite","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=128241","title":{"rendered":"La Revente \u00e0 Perte et la R\u00e9forme du Code de Commerce du 2 Ao\u00fbt 2024 : Une Question de L\u00e9galit\u00e9 ?"},"content":{"rendered":"
La r\u00e9cente r\u00e9forme du Code de commerce en Tunisie, adopt\u00e9e le 2 ao\u00fbt 2024, suscite des interrogations concernant certaines pratiques bancaires, notamment la revente \u00e0 perte. Les nouvelles dispositions introduites dans le cadre de cette r\u00e9forme semblent donner aux banques un espace de man\u0153uvre pour offrir des pr\u00eats \u00e0 des taux d’int\u00e9r\u00eat tr\u00e8s bas, voire nuls, tout en achetant \u00e0 des taux plus \u00e9lev\u00e9s. Cela soul\u00e8ve des questions sur la l\u00e9galit\u00e9 et la conformit\u00e9 de ces pratiques avec les dispositions existantes.<\/h5>\n
<\/h5>\n
Contexte de la Revente \u00e0 Perte<\/span><\/h5>\n
<\/h5>\n
La revente \u00e0 perte, d\u00e9finie comme la vente d’un produit \u00e0 un prix inf\u00e9rieur \u00e0 son co\u00fbt d’achat, est g\u00e9n\u00e9ralement interdite en Tunisie selon l’article 5 de la loi n\u00b091-64(LOI FONDAMENTALE) relative \u00e0 la concurrence et aux prix. Cette interdiction vise \u00e0 prot\u00e9ger le march\u00e9 contre des pratiques commerciales d\u00e9loyales et \u00e0 garantir une concurrence saine. Toutefois, des exceptions existent, notamment pour les produits p\u00e9rissables, lors des soldes ou en cas de liquidation.<\/h5>\n
<\/h5>\n
Les Dispositions de la R\u00e9forme<\/span><\/h5>\n
<\/h5>\n
La r\u00e9forme du 2 ao\u00fbt 2024 introduit plusieurs mesures visant \u00e0 soutenir les petites et moyennes entreprises (PME) et \u00e0 favoriser l’acc\u00e8s au cr\u00e9dit. Parmi ces mesures :<\/h5>\n
<\/h5>\n
    \n
  1. \n
    Taux d’Int\u00e9r\u00eat R\u00e9duit : Les banques peuvent proposer des cr\u00e9dits \u00e0 des taux d’int\u00e9r\u00eat tr\u00e8s bas, allant jusqu’\u00e0 0 % ou 4 %.<\/h5>\n<\/li>\n
  2. \n
    Exemptions sur les Garanties : Les cr\u00e9dits sont souvent offerts sans garanties, facilitant ainsi l’acc\u00e8s des entrepreneurs aux financements n\u00e9cessaires.<\/h5>\n<\/li>\n
  3. \n
    Utilisation de Profits : Les banques sont encourag\u00e9es \u00e0 allouer une partie de leurs b\u00e9n\u00e9fices \u00e0 des lignes de cr\u00e9dit sp\u00e9cifiquement destin\u00e9es aux PME.<\/h5>\n<\/li>\n<\/ol>\n
    <\/h5>\n
    Interrogations sur la L\u00e9galit\u00e9<\/span><\/h5>\n

     <\/p>\n

    Ces nouvelles pratiques soul\u00e8vent des questions importantes quant \u00e0 leur l\u00e9galit\u00e9 :<\/h5>\n
    <\/h5>\n
    – Pratique de Revente \u00e0 Perte : Si les banques ach\u00e8tent de l’argent \u00e0 un Taux du March\u00e9 Mon\u00e9taire (TMM) sup\u00e9rieur et revendent \u00e0 des taux aussi bas, cela pourrait \u00eatre per\u00e7u comme une revente \u00e0 perte. Comment ces pratiques s’ins\u00e8rent-elles dans le cadre l\u00e9gal actuel qui interdit la revente \u00e0 perte ?<\/h5>\n
    <\/h5>\n
    – Conformit\u00e9 avec la Loi de la Concurrence : En permettant \u00e0 certaines banques de proposer des pr\u00eats \u00e0 des taux tr\u00e8s r\u00e9duits, y a-t-il un risque de distorsion de la concurrence ? Les banques respectent-elles les normes de concurrence en mettant en \u0153uvre ces politiques ?<\/h5>\n
    <\/h5>\n
    – Impact sur le March\u00e9: \u00c0 long terme, une telle strat\u00e9gie pourrait-elle nuire \u00e0 la stabilit\u00e9 financi\u00e8re des banques elles-m\u00eames, ou \u00e0 l’ensemble du syst\u00e8me bancaire en Tunisie, en favorisant une d\u00e9pendance excessive sur les taux d’int\u00e9r\u00eat bas ?<\/h5>\n
    <\/h5>\n
    Les dispositions de la r\u00e9forme du 2 ao\u00fbt 2024 soul\u00e8vent des questions critiques concernant la l\u00e9galit\u00e9 des pratiques bancaires en mati\u00e8re de revente \u00e0 perte. Si ces pratiques visent \u00e0 soutenir l’\u00e9conomie et \u00e0 favoriser l’acc\u00e8s au cr\u00e9dit pour les PME, il est essentiel qu’elles soient conformes aux lois sur la concurrence et qu’elles ne cr\u00e9ent pas de d\u00e9s\u00e9quilibres sur le march\u00e9. Une clarification juridique sur ce sujet est n\u00e9cessaire pour garantir que les banques op\u00e8rent dans un cadre l\u00e9gal tout en soutenant le d\u00e9veloppement \u00e9conomique en Tunisie.<\/h5>\n","protected":false},"excerpt":{"rendered":"

    La r\u00e9cente r\u00e9forme du Code de commerce en Tunisie, adopt\u00e9e le 2 ao\u00fbt 2024, suscite des interrogations concernant certaines pratiques bancaires, notamment la revente \u00e0 perte. Les nouvelles dispositions introduites dans le cadre de cette r\u00e9forme semblent donner aux banques un espace de man\u0153uvre pour offrir des pr\u00eats \u00e0 des taux d’int\u00e9r\u00eat tr\u00e8s bas, voire […]<\/p>\n","protected":false},"author":1,"featured_media":128242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-128241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nLa Revente \u00e0 Perte et la R\u00e9forme du Code de Commerce du 2 Ao\u00fbt 2024 : Une Question de L\u00e9galit\u00e9 ? - L'expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=128241\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Revente \u00e0 Perte et la R\u00e9forme du Code de Commerce du 2 Ao\u00fbt 2024 : Une Question de L\u00e9galit\u00e9 ?\" \/>\n<meta property=\"og:description\" content=\"La r\u00e9cente r\u00e9forme du Code de commerce en Tunisie, adopt\u00e9e le 2 ao\u00fbt 2024, suscite des interrogations concernant certaines pratiques bancaires, notamment la revente \u00e0 perte. 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