{"id":139662,"date":"2026-02-07T22:10:24","date_gmt":"2026-02-07T21:10:24","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139662"},"modified":"2026-02-07T22:10:24","modified_gmt":"2026-02-07T21:10:24","slug":"ou-sont-les-8-des-benefices-des-banques-pour-les-pme","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139662","title":{"rendered":"O\u00f9 sont les 8% des b\u00e9n\u00e9fices des banques pour les PME ?"},"content":{"rendered":"

C\u2019est tr\u00e8s frustrant d\u2019avoir une loi non appliqu\u00e9e, ou une mesure dont on n\u2019\u00e9value pas l\u2019impact. Depuis des ann\u00e9es, plusieurs lois et d\u00e9crets ne sont pas appliqu\u00e9s. La derni\u00e8re en date certaines dispositions de la loi des finances pour 2026 et surtout la mesure relative au \u00ab\u00a0FCR pour tous\u00a0\u00bb ou la voiture pour chaque famille, ou la mesure relative \u00e0 la facturation \u00e9lectronique. Une situation insolite qui fragilise l\u2019application de la loi en Tunisie, ou met en doute la stabilit\u00e9 de l\u2019Etat.<\/h3>\n

Dans une initiative parlementaire in\u00e9dite, les d\u00e9put\u00e9s ont vot\u00e9 en 2024 une loi amendant certains articles du code du commerce et surtout les articles relatifs aux ch\u00e8ques. Une loi qui a chambard\u00e9 toute l\u2019\u00e9conomie nationale, et a boulevers\u00e9 plusieurs secteurs.<\/h3>\n

Parmi les points amend\u00e9s par la loi 2024-41 du 02 Ao\u00fbt 2024, celle relative au r\u00f4le des banques. En effet, l\u2019article 412 Ter du code du commerce impose aux banques d\u2019allouer au moins 8% des b\u00e9n\u00e9fices de l’exercice comptable pr\u00e9c\u00e9dent pour cr\u00e9er des lignes de financement de petite envergure \u00e0 titre gratuit, \u00e0 court terme ne d\u00e9passant pas deux ans, avec des conditions facilit\u00e9es sans int\u00e9r\u00eats ni garanties. La banque doit \u00e9puiser obligatoirement chaque ann\u00e9e les cr\u00e9dits allou\u00e9s. Les conditions et crit\u00e8res d’octroi de ces financements sont fix\u00e9s par un d\u00e9cret.<\/h3>\n

Une mesure r\u00e9volutionnaire d\u2019un point de vue \u00e9conomique et jug\u00e9e par certains analystes de populiste. Les banques n\u2019ayant pas \u00e9t\u00e9 consult\u00e9es ou auditionn\u00e9es \u00e0 propos de cette mesure.<\/h3>\n

Or cette mesure, et malgr\u00e9 son importance que ce soit pour les banques ou les PME, n\u2019a pas \u00e9t\u00e9 mise en \u0153uvre. On attend toujours le d\u00e9cret qui va fixer les conditions pour ce financement.<\/h3>\n

Pour information, en 2024, 17 banques ont affich\u00e9 un b\u00e9n\u00e9fice total de 1 753,9 MD\u00a0; soit un montant de cr\u00e9dits sans int\u00e9r\u00eats et sans garanties pour les PME de 140 MD. Pour 2025, et en attendant la publication des \u00e9tats financiers des banques, le montant peut \u00eatre encore plus \u00e9lev\u00e9.<\/h3>\n

Cette mesure est \u00e0 notre sens inapplicable car les b\u00e9n\u00e9fices des banques sont la propri\u00e9t\u00e9 des actionnaires qui exigent d\u2019avoir des dividendes. Sur un autre plan cette mesure est contraire \u00e0 la vocation m\u00eame d\u2019une banque qui donne des cr\u00e9dits avec un taux d\u2019int\u00e9r\u00eat, puisqu\u2019elle-m\u00eame emprunte avec un taux ou r\u00e9mun\u00e8re les d\u00e9p\u00f4ts des clients selon un taux.<\/h3>\n

De son c\u00f4t\u00e9 la Banque Centrale reste muette sur l\u2019application de cette mesure. Le lobby des banques a encore jou\u00e9 sur ce dossier.<\/h3>\n

<\/h3>\n

abou farah<\/h3>\n","protected":false},"excerpt":{"rendered":"

C\u2019est tr\u00e8s frustrant d\u2019avoir une loi non appliqu\u00e9e, ou une mesure dont on n\u2019\u00e9value pas l\u2019impact. Depuis des ann\u00e9es, plusieurs lois et d\u00e9crets ne sont pas appliqu\u00e9s. La derni\u00e8re en date certaines dispositions de la loi des finances pour 2026 et surtout la mesure relative au \u00ab\u00a0FCR pour tous\u00a0\u00bb ou la voiture pour chaque famille, […]<\/p>\n","protected":false},"author":2,"featured_media":139663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nO\u00f9 sont les 8% des b\u00e9n\u00e9fices des banques pour les PME ? - 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=139662\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O\u00f9 sont les 8% des b\u00e9n\u00e9fices des banques pour les PME ?\" \/>\n<meta property=\"og:description\" content=\"C\u2019est tr\u00e8s frustrant d\u2019avoir une loi non appliqu\u00e9e, ou une mesure dont on n\u2019\u00e9value pas l\u2019impact. 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