{"id":6126,"date":"2024-03-18T15:55:42","date_gmt":"2024-03-18T15:55:42","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=6126"},"modified":"2024-03-18T15:56:07","modified_gmt":"2024-03-18T15:56:07","slug":"persistance-de-la-problematique-du-financement-des-pme","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=6126","title":{"rendered":"Persistance de la probl\u00e9matique du financement des PME."},"content":{"rendered":"<p>Les tr\u00e8s petites entreprises (TPE) et les petites et moyennes entreprises (PME) ne b\u00e9n\u00e9ficient pas pleinement jusqu\u2019\u00e0 pr\u00e9sent du financement bancaire. C\u2019est le constat fait par le S\u00e9cr\u00e9taire ex\u00e9cutif de l\u2019observatoire de la qualit\u00e9 des services financier (OQSF) Habib Ndao dans le rapport 2023 de l\u2019OQSF.<\/p>\n<p>Dans son avant propos, M. Ndao affirme que l\u2019encours de cr\u00e9dit pour les TPE et les PME\u00a0 repr\u00e9sente 9% de l\u2019encours global de cr\u00e9dit accord\u00e9 par les banques, soit pr\u00e8s de 600 milliards de francs CFA contre un objectif cible de 1 800 milliards de francs CFA en 2023 indique-t-il. Ce qui \u00e0 l\u2019en croire pose \u00e0 suffisance la persistance de la probl\u00e9matique du financement des PME.<\/p>\n<p>Au titre des indicateurs de suivi de l\u2019inclusion financi\u00e8re, le taux de bancarisation strict (TBS) qui se situait \u00e0 13,0% est de 26% en 2023 alors que le taux de bancarisation \u00e9largi (TBE) s\u2019est situ\u00e9 \u00e0 pr\u00e8s de 55% en 2023 contre 36,5% en 2012 selon Habib Ndao.\u00a0 Quant au\u00a0 taux global d\u2019utilisation des services financiers (TUSF), il\u00a0 s\u2019\u00e9tablit \u00e0 165% en 2022 contre 32,07% en 2010 d\u2019apr\u00e8s le secr\u00e9taire ex\u00e9cutif de l\u2019OQSF. Cette forte progression\u00a0 indique M. Ndao est en particulier li\u00e9e \u00e0 l\u2019accroissement du taux d\u2019utilisation des services de la monnaie \u00e9lectronique qui ressort selon lui\u00a0 \u00e0 119,43% contre 1,44% en 2010.<\/p>\n<p>Pour ce qui est des conditions de banque, Habib Ndao \u00a0fait remarquer dans l\u2019avant propos du rapport que le taux d\u2019int\u00e9r\u00eat d\u00e9biteur moyen pond\u00e9r\u00e9 a augment\u00e9 en se situant \u00e0 6,07% \u00e0 fin juin 2023 contre 5,68% un an auparavant, refl\u00e9tant ainsi d\u2019apr\u00e8s M. Ndao une hausse de 0,39%. Le taux cr\u00e9diteur moyen servi sur les d\u00e9p\u00f4ts de la client\u00e8le s\u2019est \u00e9galement am\u00e9lior\u00e9 de 0,24%, remontant \u00e0 5,44% au deuxi\u00e8me trimestre 2023 pour les comptes \u00e0 terme contre 5,20% en glissement annuel toujours selon\u00a0 Habib Ndao.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les tr\u00e8s petites entreprises (TPE) et les petites et moyennes entreprises (PME) ne b\u00e9n\u00e9ficient pas pleinement jusqu\u2019\u00e0 pr\u00e9sent du financement bancaire. C\u2019est le constat fait&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1701,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23,8,10],"tags":[],"class_list":["post-6126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualite-economique","category-infos-eco","wpcat-23-id","wpcat-8-id","wpcat-10-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Persistance de la probl\u00e9matique du financement des PME. - challenges economiques<\/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:\/\/challengeseconomiques.com\/?p=6126\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Persistance de la probl\u00e9matique du financement des PME. - challenges economiques\" \/>\n<meta property=\"og:description\" content=\"Les tr\u00e8s petites entreprises (TPE) et les petites et moyennes entreprises (PME) ne b\u00e9n\u00e9ficient pas pleinement jusqu\u2019\u00e0 pr\u00e9sent du financement bancaire. 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