{"id":139396,"date":"2025-12-19T11:43:06","date_gmt":"2025-12-19T10:43:06","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139396"},"modified":"2025-12-19T11:45:26","modified_gmt":"2025-12-19T10:45:26","slug":"conseil-bancaire-et-financier-en-tunisie-le-temps-du-bricolage-est-termine","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139396","title":{"rendered":"Conseil bancaire et financier en Tunisie : le temps du bricolage est termin\u00e9"},"content":{"rendered":"<p>Il faut le dire clairement, sans d\u00e9tour et sans pr\u00e9cautions excessives : le conseil bancaire et financier tunisien fonctionne aujourd\u2019hui selon un mod\u00e8le obsol\u00e8te, inefficace et en d\u00e9calage total avec les enjeux r\u00e9els du secteur. Ce qui pouvait passer hier comme un compromis acceptable rel\u00e8ve d\u00e9sormais d\u2019un immobilisme dangereux.<\/p>\n<p>Le secteur bancaire tunisien traverse l\u2019une des p\u00e9riodes les plus sensibles de son histoire r\u00e9cente. Pression r\u00e9glementaire accrue, contraintes prudentielles, exigences de transparence, d\u00e9fis de financement de l\u2019\u00e9conomie, transition digitale, stress macro\u00e9conomique\u2026 Et pourtant, l\u2019organe cens\u00e9 repr\u00e9senter, structurer et d\u00e9fendre la profession continue de fonctionner comme si le temps s\u2019\u00e9tait arr\u00eat\u00e9.<\/p>\n<ol>\n<li>Le faux b\u00e9n\u00e9volat : une hypocrisie institutionnelle<\/li>\n<\/ol>\n<p>Il est temps d\u2019en finir avec une fiction devenue intenable : la pr\u00e9sidence \u00ab b\u00e9n\u00e9vole \u00bb du conseil bancaire et financier.<\/p>\n<p>Dans les faits, pr\u00e9tendre qu\u2019un pr\u00e9sident peut mener \u00e0 bien cette mission tout en \u00e9tant, en parall\u00e8le, premier responsable ex\u00e9cutif d\u2019une grande banque rel\u00e8ve soit de l\u2019illusion, soit du m\u00e9pris pour l\u2019intelligence collective de la profession.<\/p>\n<p>On ne dirige pas une communaut\u00e9 bancaire nationale \u00e0 temps partiel.<\/p>\n<p>On ne d\u00e9fend pas l\u2019int\u00e9r\u00eat g\u00e9n\u00e9ral quand on est absorb\u00e9 par des int\u00e9r\u00eats institutionnels propres.<\/p>\n<p>Ce cumul n\u2019est pas seulement une question d\u2019agenda surcharg\u00e9. C\u2019est un probl\u00e8me structurel de gouvernance et de cr\u00e9dibilit\u00e9. Comment arbitrer objectivement des positions sectorielles sensibles quand on est soi-m\u00eame juge et partie ? Comment incarner une voix commune quand on porte, de facto, celle d\u2019un \u00e9tablissement dominant ?<\/p>\n<p>Le temps du volontariat honorifique est r\u00e9volu. La pr\u00e9sidence du conseil bancaire doit \u00eatre une fonction ex\u00e9cutive \u00e0 plein temps, avec obligation de r\u00e9sultats, ind\u00e9pendance r\u00e9elle et responsabilit\u00e9 claire. Tout le reste n\u2019est que fa\u00e7ade.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li>Les statuts de 2022 : une erreur majeure jamais corrig\u00e9e<\/li>\n<\/ol>\n<p>Comme si cela ne suffisait pas, les statuts adopt\u00e9s en 2022 ont introduit une disposition aussi absurde que contre-productive : le renouvellement int\u00e9gral du bureau apr\u00e8s deux mandats.<\/p>\n<p>Soyons francs :cette r\u00e8gle est mal pens\u00e9e,elle est anti-institutionnelle,et elle affaiblit durablement l\u2019organisation.<\/p>\n<p>Aucune institution s\u00e9rieuse \u2014 bancaire, financi\u00e8re ou professionnelle \u2014 ne fonctionne sur la base d\u2019une purge p\u00e9riodique de ses instances dirigeantes. Ce m\u00e9canisme d\u00e9truit la continuit\u00e9 strat\u00e9gique, efface l\u2019exp\u00e9rience accumul\u00e9e et transforme le conseil en une structure instable, condamn\u00e9e \u00e0 recommencer \u00e9ternellement \u00e0 z\u00e9ro.<\/p>\n<p>La bonne gouvernance ne consiste pas \u00e0 \u00e9liminer automatiquement les comp\u00e9tences, mais \u00e0 \u00e9valuer, corriger et ajuster. Limiter la dur\u00e9e d\u2019une pr\u00e9sidence, oui. Imposer un renouvellement total du bureau, non. C\u2019est une confusion grave entre alternance et amateurisme.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li>Un conseil qui doit choisir : r\u00e9forme ou marginalisation<\/li>\n<\/ol>\n<p>\u00c0 force de demi-mesures, le conseil bancaire et financier court un risque r\u00e9el : devenir une structure p\u00e9riph\u00e9rique, sans poids r\u00e9el dans les arbitrages nationaux.<\/p>\n<p>Or, la Tunisie n\u2019a pas besoin d\u2019un conseil protocolaire. Elle a besoin :<\/p>\n<ul>\n<li>d\u2019un interlocuteur fort face aux pouvoirs publics,<\/li>\n<li>d\u2019un acteur cr\u00e9dible dans le d\u00e9bat \u00e9conomique,<\/li>\n<li>d\u2019une institution capable de produire des positions techniques, argument\u00e9es et coh\u00e9rentes.<\/li>\n<\/ul>\n<p>Cela suppose :<\/p>\n<ul>\n<li>une pr\u00e9sidence ind\u00e9pendante et \u00e0 plein temps,<\/li>\n<li>une r\u00e9vision urgente des statuts de 2022,<\/li>\n<li>une gouvernance fond\u00e9e sur la comp\u00e9tence et non sur les \u00e9quilibres de convenance,<\/li>\n<li>une professionnalisation assum\u00e9e des structures.<\/li>\n<\/ul>\n<p>l\u2019heure n\u2019est plus \u00e0 l\u2019autosatisfaction<\/p>\n<p>Le conseil bancaire et financier ne peut plus se contenter d\u2019exister. Il doit agir, d\u00e9cider et assumer. Le statu quo n\u2019est pas neutre : il affaiblit la profession, brouille les responsabilit\u00e9s et nuit \u00e0 la cr\u00e9dibilit\u00e9 du secteur bancaire dans son ensemble.<\/p>\n<p>Ce d\u00e9bat n\u2019est ni personnel, ni conjoncturel. Il est institutionnel et strat\u00e9gique.<\/p>\n<p>Refuser de le poser aujourd\u2019hui, c\u2019est accepter le d\u00e9classement demain.<\/p>\n<p>Le lifting n\u2019est plus une option. C\u2019est une n\u00e9cessit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il faut le dire clairement, sans d\u00e9tour et sans pr\u00e9cautions excessives : le conseil bancaire et financier tunisien fonctionne aujourd\u2019hui selon un mod\u00e8le obsol\u00e8te, inefficace et en d\u00e9calage total avec les enjeux r\u00e9els du secteur. Ce qui pouvait passer hier comme un compromis acceptable rel\u00e8ve d\u00e9sormais d\u2019un immobilisme dangereux. Le secteur bancaire tunisien traverse l\u2019une [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Conseil bancaire et financier en Tunisie : le temps du bricolage est termin\u00e9 - L&#039;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=139396\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conseil bancaire et financier en Tunisie : le temps du bricolage est termin\u00e9\" \/>\n<meta property=\"og:description\" content=\"Il faut le dire clairement, sans d\u00e9tour et sans pr\u00e9cautions excessives : le conseil bancaire et financier tunisien fonctionne aujourd\u2019hui selon un mod\u00e8le obsol\u00e8te, inefficace et en d\u00e9calage total avec les enjeux r\u00e9els du secteur. Ce qui pouvait passer hier comme un compromis acceptable rel\u00e8ve d\u00e9sormais d\u2019un immobilisme dangereux. 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