{"id":3788,"date":"2022-08-08T13:50:25","date_gmt":"2022-08-08T13:50:25","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=3788"},"modified":"2022-08-08T14:00:22","modified_gmt":"2022-08-08T14:00:22","slug":"mohamed-dia-economiste-les-banques-representent-la-fondation-dune-economie-nationale-solide","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=3788","title":{"rendered":"Mohamed DIA, Economiste : \u00ab \u2026les banques repr\u00e9sentent la fondation d\u2019une \u00e9conomie nationale solide \u00bb"},"content":{"rendered":"<h2><strong>Sp\u00e9cialiste de la banque, Mohamed Dia a accord\u00e9 cet entretien au magazine d\u2019informations \u00ab\u00a0Tendance\u00a0\u00bb n\u00b07 \u00a0publi\u00e9 par l\u2019Agence UMOA-Titres<\/strong><\/h2>\n<h2><strong>\u00a0<\/strong><\/h2>\n<h4><\/h4>\n<h4><\/h4>\n<h4><strong>Quelle est la place des banques sur le March\u00e9 des Titres Publics ?<\/strong><\/h4>\n<p>Les banques occupent une place importante sur le March\u00e9 des Titres Publics, car elles peuvent investir leur exc\u00e9dent et les d\u00e9p\u00f4ts des clients. Elles d\u00e9tiennent la majorit\u00e9 des titres publics \u00e9mis par les Etats membres de la zone. Il est important que les banques continuent de le faire, car c\u2019est la mani\u00e8re indirecte de financer l\u2019\u00e9conomie, vu que le financement des \u00e9conomies nationales par la Banque Centrale est interdit.<\/p>\n<p>En outre, il est tr\u00e8s important que les banques sensibilisent davantage leurs clients sur l\u2019importance d\u2019investir sur des instruments qui stimulent l\u2019\u00e9conomie. Cependant, il faudrait une \u00e9tude approfondie pour s\u2019assurer que les titres publics ne repr\u00e9sentent pas un handicap sur le cr\u00e9dit offert au secteur priv\u00e9\u00a0; en terme \u00e9conomique, s\u2019assurer que les titres publics ne cr\u00e9ent pas un effet d\u2019\u00e9viction.<\/p>\n<p><strong>Comment les \u00e9tablissements bancaires contribuent au financement des Etats sur le MTP ?<\/strong><\/p>\n<p>Etant donn\u00e9 que notre march\u00e9 financier r\u00e9gional n\u2019a pas encore atteint son niveau maximal en termes de d\u00e9veloppement, il est impossible que les Etats puissent financer leur politique de d\u00e9veloppement sans les banques. Il est \u00e0 noter que sur le MTP, les banques repr\u00e9sentent la majorit\u00e9 des investisseurs. Dans ce cas, nous pouvons dire sans risque de nous tromper que les banques repr\u00e9sentent la fondation d\u2019une \u00e9conomie nationale solide. Ces institutions doivent travailler \u00e0 gagner la confiance des m\u00e9nages pour mieux mobiliser leurs \u00e9pargnes. Cette masse mon\u00e9taire serait ainsi pr\u00eat\u00e9e aux Etats dans le but de financer les investissements qui cr\u00e9eront des emplois. Cette stimulation de l\u2019\u00e9conomie se conjugue avec une forte croissance, mais peut aussi avoir un effet inflationniste si cela se fait trop rapidement.<\/p>\n<p>En r\u00e9sum\u00e9, il est important dans notre march\u00e9 r\u00e9gional que les banques commerciales continuent \u00e0 accompagner les Etats sur le MTP. Les Etats investiront ces ressources dans des projets cr\u00e9ateurs d\u2019emplois comme les projets d\u2019infrastructures qui \u00e0 leur tour, rendront nos pays comp\u00e9titifs dans la mise en \u0153uvre de la ZLECAF.<\/p>\n<p><strong>Quelle est la capacit\u00e9 de financement des banques ?<\/strong><\/p>\n<p>Les capacit\u00e9s de financement sont diff\u00e9rentes d\u2019un pays \u00e0 un autre, d\u2019une zone \u00e0 une autre. Par exemple, dans les grandes \u00e9conomies capitalistes, comme aux Etats-Unis, m\u00eame les petites entreprises se financent sur le march\u00e9 des obligations, mais dans une zone comme la n\u00f4tre, le financement se fait \u00e0 travers les banques. Pour illustrer le danger de ce financement, il faut prendre l\u2019exemple de la crise sanitaire ; la banque centrale r\u00e9duit le taux directeur et autorise la hausse des r\u00e9serves des banques pour stimuler l\u2019\u00e9conomie. Cela s\u2019av\u00e8re \u00eatre une bonne strat\u00e9gie si les entreprises veulent continuer \u00e0 s\u2019endetter, mais dans le cas contraire, cette strat\u00e9gie peut \u00eatre perdante. Les institutions financi\u00e8res ont une capacit\u00e9 de financement assez robuste, mais le seul danger est la lenteur dans ce mode de financement et la lourdeur administrative. Il serait judicieux que nos Etats commencent \u00e0 travailler davantage avec les banques pour moderniser les lignes de cr\u00e9dit de la Banque Centrale dans le but de financer les PME et essayer de rallier cela \u00e0 un financement de march\u00e9.<\/p>\n<p><strong>Comment appr\u00e9ciez-vous les nouveaux instruments de financement propos\u00e9s par la Banque Centrale sur le MTP\u00a0?<\/strong><\/p>\n<p>Les nouveaux instruments de financement propos\u00e9s par la BCEAO ont beaucoup aid\u00e9 les Etats dans le but de faire face \u00e0 cette crise inattendue. Ils ont \u00e9t\u00e9 les raisons principales ayant permis d\u2019\u00e9viter la r\u00e9cession pour certains pays et la d\u00e9pression pour d\u2019autres, car si ce n\u2019\u00e9tait pas avec ces modes de financement conjugu\u00e9s au financement rapide des institutions de Bretton Woods, la situation \u00e9conomique aurait pu \u00eatre catastrophique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sp\u00e9cialiste de la banque, Mohamed Dia a accord\u00e9 cet entretien au magazine d\u2019informations \u00ab\u00a0Tendance\u00a0\u00bb n\u00b07 \u00a0publi\u00e9 par l\u2019Agence UMOA-Titres \u00a0 Quelle est la place des&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2748,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-3788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lentretien","wpcat-11-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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