{"id":47701,"date":"2023-12-04T22:00:53","date_gmt":"2023-12-04T21:00:53","guid":{"rendered":"https:\/\/lasentinelle.dz\/?p=47701"},"modified":"2023-12-04T22:00:55","modified_gmt":"2023-12-04T21:00:55","slug":"ouverture-du-capital-des-banques-publiques-solutionner-le-probleme-des-creances-impayees","status":"publish","type":"post","link":"https:\/\/lasentinelle.dz\/index.php\/2023\/12\/04\/ouverture-du-capital-des-banques-publiques-solutionner-le-probleme-des-creances-impayees\/","title":{"rendered":"Ouverture du capital des banques publiques : Solutionner le probl\u00e8me des cr\u00e9ances impay\u00e9es"},"content":{"rendered":"\n<p><strong>Par Abderrahmane Mebtoul<\/strong><\/p>\n\n\n\n<p><strong>Professeur des universit\u00e9s<\/strong><strong> et expert international<\/strong><\/p>\n\n\n\n<p>Plus de 85% du montant des cr\u00e9dits octroy\u00e9s entre 2021\/2023 relevant des banques publiques, la plus importante \u00e9tant la BEA qui et la banque de Sonatrach, la d\u00e9cision de l\u2019ouverture du capital du CPA et de la BDL \u00e0 hauteur de 30% a \u00e9t\u00e9 annonc\u00e9e la mi-novembre en cours par le Pr\u00e9sident de la R\u00e9publique, lors de son discours prononc\u00e9 \u00e0 l\u2019occasion de la cl\u00f4ture des travaux des Journ\u00e9es de l\u2019entrepreneuriat organis\u00e9es par le Conseil du renouveau \u00e9conomique alg\u00e9rien (CREA). L\u2019ouverture du capital du CPA devrait intervenir avant la fin de l\u2019ann\u00e9e en cours, alors que celle de la BDL devrait se faire vers la mi-2024. Mais se pose comme d\u2019ailleurs pour l\u2019ouverture du capital d\u2019autres entreprises publiques l\u2019\u00e9pineux probl\u00e8me des cr\u00e9ances impay\u00e9es qui se r\u00e9percutent sur la solvabilit\u00e9 de toute entreprise. Le pr\u00e9sident de la R\u00e9publique a, lors du conseil de ministres en date 26 novembre 2023 , rappel\u00e9 que le processus d\u2019ouverture du capital du Cr\u00e9dit populaire alg\u00e9rien (CPA) et de la Banque de d\u00e9veloppement local (BDL) doit tenir compte des m\u00e9thodes de gestion moderne dans un cadre concurrentiel afin de capter le capital circulant dans la sph\u00e8re informelle et dynamiser l\u2019investissement productif.<\/p>\n\n\n\n<p>Le rapport annuel de la Cour des comptes concernant la BDL d\u00e9montre que le recouvrement des cr\u00e9ances impay\u00e9es est r\u00e9gi par une proc\u00e9dure de gestion d\u00e9pass\u00e9e non actualis\u00e9e qui remonte \u00e0 l\u2019ann\u00e9e 2009. Au niveau central, les t\u00e2ches et les responsabilit\u00e9s de la direction du recouvrement des cr\u00e9ances (DRC) ne sont pas suffisamment d\u00e9finies et formalis\u00e9es et le syst\u00e8me d\u2019information peu ou mal ma\u00eetris\u00e9. Cela constitue un facteur de risque majeur pour son \u00e9quilibre financier et sa rentabilit\u00e9, voire sa solvabilit\u00e9. Du fait de son activit\u00e9 de banque \u00e0 r\u00e9seau, \u00e0 fort ancrage r\u00e9gional, ayant un portefeuille de cr\u00e9dits commerciaux essentiellement constitu\u00e9 de client\u00e8le priv\u00e9e, la banque est expos\u00e9e \u00e0 des risques dont le principal est le risque de cr\u00e9dit. Cette situation est favoris\u00e9e par certaines lacunes li\u00e9es aux conditions de fonctionnement des services de recouvrement dont l\u2019activit\u00e9 n\u2019est pas per\u00e7ue comme un m\u00e9tier \u00e0 part enti\u00e8re exigeant un ensemble de techniques et d\u2019outils sp\u00e9cifiques et la mise en service du nouveau progiciel int\u00e9gr\u00e9 n\u2019a pas eu, \u00e9galement, d\u2019incidence notable sur le suivi des comptes d\u00e9biteurs et le recouvrement des sommes impay\u00e9es<\/p>\n\n\n\n<p>En 2021, le volume des cr\u00e9ances non performantes ou cr\u00e9ances class\u00e9es de la BDL a atteint 364, 29 Mrds de DA, repr\u00e9sentant 33,5% de l\u2019encours total brut des cr\u00e9dits \u00e0 la client\u00e8le. Ce rapport note que le recouvrement d\u2019une partie des cr\u00e9ances impay\u00e9es, pour un montant de 18,16 Mrds de DA, reste tr\u00e8s modeste au regard notamment des impay\u00e9s accumul\u00e9s s\u2019\u00e9levant \u00e0 248,42 Mrds de DA, mais aussi du montant des provisions pour pertes sur cr\u00e9ances de 112,91 Mrds de DA, ce qui constitue une incidence n\u00e9gative pour la situation financi\u00e8re et les r\u00e9sultats d\u2019exploitation de la banque. Ainsi pour la Cour des comptes , afin de diminuer les risques de cr\u00e9dit, la banque est amen\u00e9e \u00e0 constituer annuellement des provisions pour couvrir les risques de cr\u00e9dit inh\u00e9rents \u00e0 ces cr\u00e9ances qui ont atteint 113 Mrds de DA fin d\u00e9cembre 2021 (contre 88 Mrds de DA fin 2019), soit une hausse de 24,4 % \u00bb.<\/p>\n\n\n\n<p>Selon certaines informations, en 2021 le niveau des cr\u00e9ances de la banque CPA est plus important et plus compliqu\u00e9 que celui de la BDL. Aussi l\u2019ouverture du capital de ces deux banques afin qu\u2019elle ne soit pas compromise , implique de solutionner les cr\u00e9ances irr\u00e9couvrables trop \u00e9lev\u00e9es mena\u00e7ant la rentabilit\u00e9 et sa solvabilit\u00e9 \u00e0 moins d\u2019une nouvelle recapitalisation via le Tr\u00e9sor public ou la d\u00e9cote de la valeur des actions en soustrayant le montant des cr\u00e9ances impay\u00e9s que ne supporteront pas acqu\u00e9reurs.<\/p>\n\n\n\n<p>En conclusion, l\u2019on ne doit jamais oublier que dans la pratique des affaires, n\u2019existent pas de sentiments , de patriotisme, et que tout entrepreneur qu\u2019il soit alg\u00e9rien, chinois, russe, europ\u00e9en ou am\u00e9ricain est guid\u00e9 par la seule logique du profit. La situation des deux banques a-t-elle \u00e9volu\u00e9e, le rapport de la Cour des comptes datant de 2021, \u00e9tant en novembre 2023 dans la mesure o\u00f9 le directeur g\u00e9n\u00e9ral de la bourse d\u2019Alger dans une d\u00e9claration reprise par l\u2019APS en date du 30 novembre 2023, mais sans donner de chiffres pr\u00e9cis je le cite \u00ab ces deux banques sont tr\u00e8s profitables ayant d&rsquo;excellents bilans, offrant, ainsi, un retour sur investissement qui sera certainement tr\u00e8s int\u00e9ressant pour les investisseurs \u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Par Abderrahmane Mebtoul Professeur des universit\u00e9s et expert international Plus de 85% du montant des cr\u00e9dits octroy\u00e9s entre 2021\/2023 relevant<\/p>\n","protected":false},"author":3,"featured_media":7876,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[56,38],"tags":[],"class_list":["post-47701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contribution","category-debats"],"aioseo_notices":[],"yoast_head":"<!-- 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