{"id":6222,"date":"2024-04-16T15:07:04","date_gmt":"2024-04-16T15:07:04","guid":{"rendered":"https:\/\/challengeseconomiques.com\/?p=6222"},"modified":"2024-04-16T15:07:29","modified_gmt":"2024-04-16T15:07:29","slug":"uemoa-400-entreprises-detiennent-pres-de-30-des-credits-a-leconomie","status":"publish","type":"post","link":"https:\/\/challengeseconomiques.com\/?p=6222","title":{"rendered":"UEMOA : 400 entreprises d\u00e9tiennent pr\u00e8s de 30% des cr\u00e9dits \u00e0 l\u2019\u00e9conomie"},"content":{"rendered":"<p class=\"texte textearticle\"><strong>\u00a0Cette concentration de cr\u00e9dits entre les mains d\u2019une poign\u00e9e de grandes entreprises n\u2019est pas sans cons\u00e9quence sur la stabilit\u00e9 financi\u00e8re du\u00a0 syst\u00e8me bancaire de l\u2019UEMOA.\u00a0<\/strong><\/p>\n<p class=\"texte textearticle\">Dans l&rsquo;Union \u00e9conomique et mon\u00e9taire ouest-africaine (UEMOA), 400 entreprises concentrent pr\u00e8s de 30\u00a0% des cr\u00e9dits \u00e0 l&rsquo;\u00e9conomie \u00e0 fin d\u00e9cembre 2023, selon une r\u00e9cente analyse de la Banque centrale des Etats de l\u2019Afrique de l\u2019Ouest (BCEAO).<\/p>\n<p class=\"texte textearticle\">Si l&rsquo;on se penche sur les cr\u00e9dits d\u00e9clar\u00e9s \u00e0 la Centrale des risques bancaires de l&rsquo;Union &#8211; sup\u00e9rieurs \u00e0 10 millions fcfa &#8211; ce groupe d&rsquo;entit\u00e9s, qui repr\u00e9sente en nombre moins de 1\u00a0% du tissu productif, contr\u00f4lerait 50,6\u00a0% des encours de cr\u00e9dits octroy\u00e9s par plus de 130 banques op\u00e9rant dans la zone \u00e0 fin d\u00e9cembre 2023.<\/p>\n<p class=\"texte textearticle\">La concentration des cr\u00e9dits varie significativement d&rsquo;un pays \u00e0 l&rsquo;autre au sein de l\u2019espace \u00e9conomique. En Guin\u00e9e-Bissau, o\u00f9 la concentration est la plus \u00e9lev\u00e9e, les 50 principales entreprises en termes de cr\u00e9dits absorbent 58,1% des cr\u00e9dits \u00e0 l\u2019\u00e9conomie. Au Niger, ce ratio s&rsquo;\u00e9l\u00e8ve \u00e0 50,4\u00a0%, indiquant une forte concentration du cr\u00e9dit entre les mains de quelques acteurs \u00e9conomiques majeurs. Au Mali, cette proportion, l\u00e9g\u00e8rement inf\u00e9rieure, s\u2019\u00e9tablit \u00e0 35,3\u00a0%.<\/p>\n<p class=\"texte textearticle\">Au\u00a0 Togo et\u00a0 au B\u00e9nin, 50 entreprises concentrent respectivement 37,6\u00a0% et 34,2\u00a0% des cr\u00e9dits \u00e0 l&rsquo;\u00e9conomie, selon la BCEAO. La C\u00f4te d&rsquo;Ivoire et le S\u00e9n\u00e9gal affichent les taux de concentration les plus mod\u00e9r\u00e9s, avec respectivement 25,2\u00a0% et 26,6\u00a0%.<\/p>\n<p class=\"texte textearticle\">A l&rsquo;\u00e9chelle de l&rsquo;Union, une analyse des engagements selon leur maturit\u00e9 r\u00e9v\u00e8le que les cr\u00e9dits \u00e0 court terme sont pr\u00e9dominants par rapport \u00e0 ceux \u00e0 moyen et long termes. A fin d\u00e9cembre 2023, les ressources \u00e0 court terme octroy\u00e9es aux 50 plus grandes entreprises utilisatrices de cr\u00e9dits bancaires (GEUCB) par pays repr\u00e9sentaient 59\u00a0% contre 41\u00a0% pour les cr\u00e9dits \u00e0 moyen et long termes.<\/p>\n<p class=\"texte textearticle\">Si cette concentration r\u00e9v\u00e8le plusieurs dynamiques sectorielles et les strat\u00e9gies bancaires dans l&rsquo;espace, elle expose aussi fortement le syst\u00e8me financier aux crises qui touchent les grandes entreprises. Surtout que dans ces \u00e9conomies o\u00f9 les PME, qui forment plus de 90\u00a0% du tissu \u00e9conomique et g\u00e9n\u00e8rent plus de 80\u00a0% des emplois, peinent \u00e0 obtenir des financements pour leur croissance.<\/p>\n<p><strong>(Agence Ecofin)<br \/>\n<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Cette concentration de cr\u00e9dits entre les mains d\u2019une poign\u00e9e de grandes entreprises n\u2019est pas sans cons\u00e9quence sur la stabilit\u00e9 financi\u00e8re du\u00a0 syst\u00e8me bancaire de l\u2019UEMOA.\u00a0&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5772,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","wpcat-1-id"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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