{"id":3591,"date":"2024-07-13T06:56:11","date_gmt":"2024-07-13T06:56:11","guid":{"rendered":"http:\/\/afric-eco.com\/?p=3591"},"modified":"2024-07-13T06:56:12","modified_gmt":"2024-07-13T06:56:12","slug":"finance-la-cobac-freine-le-transfert-des-avoirs-en-desherence-impactant-la-liquidite-du-secteur-bancaire-camerounais","status":"publish","type":"post","link":"https:\/\/afric-eco.com\/?p=3591","title":{"rendered":"Finance : La Cobac freine le transfert des avoirs en d\u00e9sh\u00e9rence, impactant la liquidit\u00e9 du secteur bancaire camerounais"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Dans une d\u00e9cision inattendue, la Commission bancaire de l&rsquo;Afrique centrale (Cobac) a ordonn\u00e9 la suspension temporaire du transfert des avoirs en d\u00e9sh\u00e9rence vers la Caisse des d\u00e9p\u00f4ts et consignations (Cdec) du Cameroun. Cette directive, communiqu\u00e9e le 11 juillet par Marcel Ond\u00e9l\u00e9, secr\u00e9taire g\u00e9n\u00e9ral de la Cobac, pourrait avoir des r\u00e9percussions significatives sur la liquidit\u00e9 et la gestion financi\u00e8re des banques et institutions de microfinance camerounaises.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;enjeu est de taille : plus de 21 milliards de FCFA d&rsquo;avoirs en d\u00e9sh\u00e9rence \u00e9taient en cours de transfert vers la Cdec par des acteurs majeurs du secteur financier, dont Allianz Cameroun, la Banque des \u00c9tats d&rsquo;Afrique centrale (Beac), et plusieurs banques commerciales de premier plan. Cette suspension met en pause un flux financier important, obligeant les institutions \u00e0 conserver ces fonds dans leurs bilans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Du point de vue macro\u00e9conomique, cette d\u00e9cision soul\u00e8ve des questions sur l&rsquo;efficacit\u00e9 de l&rsquo;allocation des ressources financi\u00e8res dans l&rsquo;\u00e9conomie camerounaise. Les avoirs en d\u00e9sh\u00e9rence, normalement destin\u00e9s \u00e0 \u00eatre r\u00e9inject\u00e9s dans l&rsquo;\u00e9conomie via la Cdec, resteront temporairement immobilis\u00e9s dans les coffres des banques, potentiellement r\u00e9duisant la capacit\u00e9 d&rsquo;investissement public.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les institutions financi\u00e8res, cette situation pourrait engendrer des co\u00fbts suppl\u00e9mentaires li\u00e9s \u00e0 la gestion prolong\u00e9e de ces fonds, tout en impactant leurs ratios de liquidit\u00e9. Les banques devront ajuster leurs strat\u00e9gies de gestion d&rsquo;actifs \u00e0 court terme, ce qui pourrait influencer leurs politiques de pr\u00eats et d&rsquo;investissements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Cobac justifie sa d\u00e9cision par l&rsquo;absence d&rsquo;un cadre r\u00e9glementaire communautaire clairement d\u00e9fini au sein de la CEMAC. Cette lacune r\u00e9glementaire expose le secteur \u00e0 des risques op\u00e9rationnels et juridiques potentiellement co\u00fbteux. Le r\u00e9gulateur a annonc\u00e9 l&rsquo;engagement de travaux visant \u00e0 \u00e9tablir un cadre communautaire pour le traitement des avoirs en d\u00e9sh\u00e9rence, soulignant l&rsquo;importance de pr\u00e9server la stabilit\u00e9 financi\u00e8re dans la CEMAC\u00a0\u00bb et de \u00ab\u00a0ma\u00eetriser les risques op\u00e9rationnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette situation met en lumi\u00e8re les d\u00e9fis de l&rsquo;harmonisation r\u00e9glementaire dans la zone CEMAC et son impact sur l&rsquo;efficience des march\u00e9s financiers r\u00e9gionaux. Elle souligne \u00e9galement l&rsquo;importance d&rsquo;un cadre juridique robuste pour soutenir le d\u00e9veloppement du secteur financier et faciliter la mobilisation des ressources dormantes au profit de l&rsquo;\u00e9conomie r\u00e9elle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En attendant la mise en place de ce cadre r\u00e9glementaire, les acteurs du secteur financier camerounais devront faire preuve d&rsquo;agilit\u00e9 dans leur gestion financi\u00e8re, tout en restant vigilants quant aux opportunit\u00e9s et risques que cette situation pourrait engendrer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Etienne MONTHE<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans une d\u00e9cision inattendue, la Commission bancaire de l&rsquo;Afrique centrale (Cobac) a ordonn\u00e9 la suspension temporaire du transfert des avoirs<\/p>\n","protected":false},"author":1,"featured_media":3592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[2],"tags":[],"class_list":["post-3591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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La Commission bancaire de l'Afrique centrale (COBAC) pr\u00e9pare de nouvelles r\u00e8gles prudentielles sur la gestion de la liquidit\u00e9,\u2026","rel":"","context":"Dans &quot;CEMAC&quot;","block_context":{"text":"CEMAC","link":"https:\/\/afric-eco.com\/?cat=8"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/06\/images-4.jpg?fit=615%2C365&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/06\/images-4.jpg?fit=615%2C365&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/06\/images-4.jpg?fit=615%2C365&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":5578,"url":"https:\/\/afric-eco.com\/?p=5578","url_meta":{"origin":3591,"position":1},"title":"Ecobank Cameroun pulv\u00e9rise ses records : un b\u00e9n\u00e9fice historique de 27,3 milliards FCFA en 2025","author":"etienne","date":"6 mai 2026","format":false,"excerpt":"C\u2019est une performance qui confirme le repositionnement strat\u00e9gique du secteur bancaire camerounais. Ecobank Cameroun signe une ann\u00e9e 2025 exceptionnelle, avec un r\u00e9sultat net record de 27,292 milliards de FCFA, soit une progression spectaculaire de 30 % par rapport aux 21,05 milliards FCFA enregistr\u00e9s en 2024. Valid\u00e9e lors de l\u2019Assembl\u00e9e g\u00e9n\u00e9rale\u2026","rel":"","context":"Dans &quot;Economie&quot;","block_context":{"text":"Economie","link":"https:\/\/afric-eco.com\/?cat=2"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":5854,"url":"https:\/\/afric-eco.com\/?p=5854","url_meta":{"origin":3591,"position":2},"title":"March\u00e9s publics : le bras de fer \u00e0 552 millions FCFA entre la SCDP et BGFI Bank perdure","author":"etienne","date":"23 juillet 2026","format":false,"excerpt":"Malgr\u00e9 une d\u00e9cision de la Cour supr\u00eame, plusieurs proc\u00e9dures judiciaires et l'intervention de la Cobac, la Soci\u00e9t\u00e9 camerounaise des d\u00e9p\u00f4ts p\u00e9troliers (SCDP) n'a toujours pas obtenu le paiement int\u00e9gral d'une garantie bancaire de plus de 552 millions de FCFA. Un contentieux qui relance le d\u00e9bat sur l'effectivit\u00e9 des garanties dans\u2026","rel":"","context":"Dans &quot;Economie&quot;","block_context":{"text":"Economie","link":"https:\/\/afric-eco.com\/?cat=2"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/07\/Screenshot_2026-07-23-01-24-48-39_e01cfbe9a4b8224f045f4e2060304d84.jpg?fit=1003%2C356&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/07\/Screenshot_2026-07-23-01-24-48-39_e01cfbe9a4b8224f045f4e2060304d84.jpg?fit=1003%2C356&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/07\/Screenshot_2026-07-23-01-24-48-39_e01cfbe9a4b8224f045f4e2060304d84.jpg?fit=1003%2C356&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/07\/Screenshot_2026-07-23-01-24-48-39_e01cfbe9a4b8224f045f4e2060304d84.jpg?fit=1003%2C356&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":4006,"url":"https:\/\/afric-eco.com\/?p=4006","url_meta":{"origin":3591,"position":3},"title":"S\u00e9minaire sur la R\u00e9glementation des Changes en Zone CEMAC : Un D\u00e9fi de Conformit\u00e9 et de Stabilit\u00e9 Financi\u00e8re","author":"etienne","date":"6 f\u00e9vrier 2025","format":false,"excerpt":"La capitale \u00e9conomique camerounaise Douala, a accueilli le 5 f\u00e9vrier\u00a02025, un s\u00e9minaire de vulgarisation sur la r\u00e9glementation des changes en zone CEMAC, un rendez-vous crucial pour les op\u00e9rateurs \u00e9conomiques, les banques et les interm\u00e9diaires financiers. Organis\u00e9 sous l'\u00e9gide du minist\u00e8re des Finances et de la Banque des \u00c9tats de l\u2019Afrique\u2026","rel":"","context":"Dans &quot;Afrique&quot;","block_context":{"text":"Afrique","link":"https:\/\/afric-eco.com\/?cat=7"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2025\/02\/7-1.jpg?fit=850%2C384&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2025\/02\/7-1.jpg?fit=850%2C384&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2025\/02\/7-1.jpg?fit=850%2C384&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2025\/02\/7-1.jpg?fit=850%2C384&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":3783,"url":"https:\/\/afric-eco.com\/?p=3783","url_meta":{"origin":3591,"position":4},"title":"CCA Bank : Un nouveau si\u00e8ge, une nouvelle \u00e8re","author":"etienne","date":"20 octobre 2024","format":false,"excerpt":"Le samedi 19 octobre 2024, le quartier Bonanjo de Douala a \u00e9t\u00e9 le th\u00e9\u00e2tre d'un \u00e9v\u00e9nement marquant dans le paysage \u00e9conomique camerounais : l'inauguration officielle du nouveau si\u00e8ge de CCA Bank. Cette c\u00e9r\u00e9monie, pr\u00e9sid\u00e9e par Louis Paul Motaze, Ministre des Finances du Cameroun, en pr\u00e9sence de plusieurs hauts dignitaires, symbolise\u2026","rel":"","context":"Dans &quot;Economie&quot;","block_context":{"text":"Economie","link":"https:\/\/afric-eco.com\/?cat=2"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2024\/10\/1.jpg?fit=850%2C478&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2024\/10\/1.jpg?fit=850%2C478&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2024\/10\/1.jpg?fit=850%2C478&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2024\/10\/1.jpg?fit=850%2C478&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":5366,"url":"https:\/\/afric-eco.com\/?p=5366","url_meta":{"origin":3591,"position":5},"title":"CEMAC : reprise du cr\u00e9dit et l\u00e9g\u00e8re d\u00e9crue des risques, un \u00e9quilibre encore fragile","author":"etienne","date":"12 avril 2026","format":false,"excerpt":"Une embellie mesur\u00e9e se dessine dans le secteur bancaire de la Communaut\u00e9 \u00e9conomique et mon\u00e9taire de l\u2019Afrique centrale. Selon le dernier rapport de politique mon\u00e9taire publi\u00e9 d\u00e9but avril par la Banque des \u00c9tats de l\u2019Afrique centrale, le taux des cr\u00e9ances en souffrance a enregistr\u00e9 un l\u00e9ger recul en 2025, s\u2019\u00e9tablissant\u2026","rel":"","context":"Dans &quot;CEMAC&quot;","block_context":{"text":"CEMAC","link":"https:\/\/afric-eco.com\/?cat=8"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/04\/images-20.jpeg?fit=588%2C330&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/04\/images-20.jpeg?fit=588%2C330&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/afric-eco.com\/wp-content\/uploads\/2026\/04\/images-20.jpeg?fit=588%2C330&ssl=1&resize=525%2C300 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/posts\/3591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/afric-eco.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3591"}],"version-history":[{"count":1,"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/posts\/3591\/revisions"}],"predecessor-version":[{"id":3593,"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/posts\/3591\/revisions\/3593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/afric-eco.com\/index.php?rest_route=\/wp\/v2\/media\/3592"}],"wp:attachment":[{"href":"https:\/\/afric-eco.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/afric-eco.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/afric-eco.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}