{"id":199,"date":"2020-11-02T08:13:31","date_gmt":"2020-11-02T08:13:31","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=199"},"modified":"2020-11-02T16:33:19","modified_gmt":"2020-11-02T16:33:19","slug":"systeme-banacaire-face-a-la-covid-19","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=199","title":{"rendered":"SYSTEME BANCAIRE FACE A LA COVID 19"},"content":{"rendered":"<p><strong>Le soutien d\u00e9terminant de la BCEAO<\/strong><\/p>\n<p><strong>La Direction nationale de la (BCEAO) avait convi\u00e9, le mardi 27 octobre 2020, dans ses locaux, l\u2019ensemble des directeurs de banques de la place de Dakar, pour \u00e9changer sur l\u2019\u00e9volution du syst\u00e8me bancaire durant &nbsp;la pand\u00e9mie de la COVID 19. A l\u2019issue de cette rencontre, le Directeur national de la BCEAO, Mouhamadou Al Aminou Lo a fait l\u2019\u00e9conomie des \u00e9changes qu\u2019il a eus avec les patrons de banques aux journalistes. La BCEAO a apport\u00e9 un soutien d\u00e9terminant aux banques, lequel a permis d\u2019\u00e9viter des&nbsp; \u00ab&nbsp;impacts qui pouvaient \u00eatre tr\u00e8s lourds&nbsp;\u00bb pour nos \u00e9conomies.<\/strong><\/p>\n<p><strong><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/challengeseconomiques.com\/wp-content\/uploads\/2020\/11\/Al-aminou-lo_DSC_9897_1-300x234.jpg\" alt=\"\" width=\"300\" height=\"234\"><\/strong><\/p>\n<p>Le directeur national de la BCEAO s\u2019est d\u00e9clar\u00e9 satisfait du comportement du syst\u00e8me bancaire s\u00e9n\u00e9galais durant cette p\u00e9riode difficile.&nbsp; Ce satisfecit est le r\u00e9sultat des mesures prises par la Banque centrale, afin de permettre aux banques commerciales de faire face. Des \u00e9changes permanents ont eu lieu entre le pr\u00e9sident de l\u2019Association professionnelle des Banques et \u00e9tablissements financiers (APBEF) et le Directeur national de la BCEAO. Ils ont permis de prendre les mesures idoines pour soutenir le syst\u00e8me bancaire.<\/p>\n<p>Un changement d\u2019approche, avec des adjudications \u00e0 taux fixe a permis \u00e0 la BCEAO de faire des &nbsp;injections de liquidit\u00e9 massives. A l\u2019\u00e9chelle de l\u2019Union, ces injonctions de liquidit\u00e9 sur le march\u00e9 mon\u00e9taire au 26 octobre 2020 s\u2019\u00e9levaient \u00e0 5350 milliards de FCFA, &nbsp;dont 3615 milliards sur le guichet hebdomadaire et 1734 milliards sur le guichet mensuel.<\/p>\n<p>Pour le S\u00e9n\u00e9gal, le volume de liquidit\u00e9 lev\u00e9 par les banques sur le march\u00e9 des soumissions des banques retenues s\u2019\u00e9l\u00e8ve \u00e0 plus de 577 milliards de FCFA.&nbsp; Au titre du guichet mensuel, c\u2019est 303.7 milliards de FCFA qui ont \u00e9t\u00e9 lev\u00e9s par les banques s\u00e9n\u00e9galaises.<\/p>\n<p>Pour toujours soutenir l\u2019\u00e9conomie de l\u2019Union durant cette difficile p\u00e9riode, la BCEAO a mis en place en relation avec les banques, un accompagnement des entreprises en difficult\u00e9, \u00e0 cause de la pand\u00e9mie. C\u2019est ainsi que la BCEAO a demand\u00e9 aux banques d\u2019accorder aux entreprises et aux particuliers qui le sollicitaient un report d\u2019\u00e9ch\u00e9ances sur leurs pr\u00eats. Cette mesure sera prolong\u00e9e jusqu\u2019au 31 d\u00e9cembre de cette ann\u00e9e et pourrait \u00eatre prolong\u00e9e encore une fois, selon le Directeur national de la BCEAO, si toutefois la situation l\u2019exige. Mouhamadou Al Aminou Lo a toutefois tenu \u00e0 pr\u00e9ciser que &nbsp;ce sera en concertation avec les banques. Il a en outre &nbsp;exhort\u00e9 les clients des banques \u00e0 payer leurs cr\u00e9dits, parce qu\u2019il est primordiale \u00e0 l\u2019en croire de pr\u00e9server le portefeuille des banques.<\/p>\n<p>Les banques ont aussi b\u00e9n\u00e9fici\u00e9 de conditions de refinancement favorables avec la baisse de 0.50% du taux directeur de la banque centrale. Ce taux est en effet pass\u00e9 de 2.5% \u00e0 2%. Toutefois, cette baisse n\u2019a pas entrain\u00e9 une baisse du taux d\u2019int\u00e9r\u00eat appliqu\u00e9 par les banques. Au contraire, ce taux a connu une l\u00e9g\u00e8re hausse, passant de 5.75 % en 2019 \u00e0 5.87% en 2020. Une situation qui sans doute s\u2019explique par la situation impos\u00e9e par la pand\u00e9mie de la COVID 19.<\/p>\n<p>Une autre mesure favorable aux banques est celle relative aux ratios prudentiels. La Banque centrale a d\u00e9cid\u00e9 de d\u00e9caler la transposition des dispositions transitoires de Bale 2&nbsp; et Bale 3. &nbsp;&nbsp;Une bouff\u00e9e d\u2019oxyg\u00e8ne, pour un syst\u00e8me bancaire fortement secou\u00e9 comme beaucoup d\u2019autres secteurs de l\u2019\u00e9conomie nationale.<\/p>\n<p><strong>Aliou Kane NDIAYE<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le soutien d\u00e9terminant de la BCEAO La Direction nationale de la (BCEAO) avait convi\u00e9, le mardi 27 octobre 2020, dans ses locaux, l\u2019ensemble des directeurs&#8230;<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-199","post","type-post","status-publish","format-standard","hentry","category-banques-et-institutions-financieres","wpcat-4-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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