{"id":80464,"date":"2020-03-28T15:52:55","date_gmt":"2020-03-28T19:52:55","guid":{"rendered":"https:\/\/linitiative.ca\/International\/six-produits-de-financements-islamiques-sur-le-marche\/"},"modified":"2020-03-28T15:52:55","modified_gmt":"2020-03-28T19:52:55","slug":"six-produits-de-financements-islamiques-sur-le-marche","status":"publish","type":"post","link":"https:\/\/linitiative.ca\/International\/six-produits-de-financements-islamiques-sur-le-marche\/","title":{"rendered":"Six produits de financements islamiques sur le march\u00e9"},"content":{"rendered":"<p><br class=\"autobr\"\/><strong>Les banques islamiques mettront sur le march\u00e9 six produits de financements afin d\u2019elargir leurs gammes de cr\u00e9dits. Cest ce qui est pr\u00e9cis\u00e9 dans le nouveau\u00a0r\u00e8glement\u00a0de la Banque\u00a0d\u2019Alg\u00e9rie\u00a0d\u00e9finissant\u00a0les op\u00e9rations et les\u00a0conditions\u00a0des banques et les\u00a0\u00e9tablissement\u00a0financiers publi\u00e9 sur le journal officiel.<\/strong><br \/>Les banques\u00a0et les \u00e9tablissements\u00a0financiers\u00a0pourront d\u00e9sormais\u00a0\u00e9largir\u00a0leur\u00a0gamme de services et\u00a0commercialiser\u00a0des produits conformes \u00e0 la finance alternative\u00a0qui ne constitue qu\u2019\u00e0 3%\u00a0du march\u00e9 bancaire\u00a0national. Un pas\u00a0susceptible\u00a0d\u2019encourager et\u00a0de requinquer le march\u00e9 bancaire.<br \/>Le dit texte\u00a0r\u00e8glementaire\u00a0portant n20-02 du 15 mars 2020,\u00a0d\u00e9finit une op\u00e9ration bancaire relevant de finance islamique\u00a0comme\u00a0\u00ab\u00a0une\u00a0op\u00e9ration qui ne donne pas lieu\u00a0\u00e0 la perception ou au versement d\u2019int\u00e9r\u00eats.\u00a0Il s\u2019agit des op\u00e9ration de banque\u00a0qui\u00a0concernent\u00a0six\u00a0produits\u00a0: la mourabaha, la\u00a0moucharaka, la moudaraba, l\u2019ijara,\u00a0le salam , listisnaa, les comptes de d\u00e9p\u00f4ts et les d\u00e9p\u00f4ts\u00a0en comptes d\u2019investissement\u00a0\u00bb.\u00a0<br \/>Le m\u00eame r\u00e8glement pr\u00e9cise\u00a0que les banques\u00a0et les \u00e9tablissements\u00a0financiers\u00a0qui veulent\u00a0mettre\u00a0en\u00a0place des produits\u00a0de finance islamique , sont tenus\u00a0d\u2019abord de\u00a0disposer\u00a0des ratios prudentiels\u00a0conformes aux normes\u00a0r\u00e8glementaires\u00a0et\u00a0satisfaire\u00a0au\u00a0strict\u00a0respect\u00a0des exigences en mati\u00e8re d\u2019\u00e9laborer\u00a0de disposer\u00a0des\u00a0ratios\u00a0prudentiels\u00a0conformes aux\u00a0normes\u00a0r\u00e9glementaires\u00a0et sanitaire\u00a0au strict respect\u00a0des exigences\u00a0en mati\u00e8re d\u2019\u00e9laboration et de\u00a0d\u00e9lais\u00a0de transmission\u00a0des\u00a0reporting\u00a0r\u00e8glementaites,\u00a0\u00bb<br \/>Ainsi\u00a0les banques e exigent\u00a0une autorisation\u00a0pr\u00e9alable\u00a0pour permettre\u00a0aux\u00a0banques\u00a0et\u00a0\u00e9tablissements\u00a0financiers\u00a0la mise\u00a0sur le march\u00e9\u00a0des produits\u00a0de la\u00a0fiance\u00a0islamiques\u00a0<br \/>Pr\u00e9alablement \u00e0\u00a0l\u2019introduction de la\u00a0demande de cette autorisation, la\u00a0banque ou l\u2019\u00e9tablissement financier doit obtenir\u00a0la certification\u00a0de conformit\u00e9\u00a0aux\u00a0pr\u00e9ceptes\u00a0de la charia, d\u00e9livr\u00e9e par l\u2019autorit\u00e9\u00a0choraique\u00a0nationale de la fatwa\u00a0pour l\u2019industrie\u00a0de la finance islamiques\u00a0.<br \/>Aussi les\u00a0\u00e9tablissement\u00a0bancaires\u00a0sont\u00a0tenu\u00a0de\u00a0cr\u00e9er\u00a0un\u00a0comit\u00e9\u00a0de\u00a0contr\u00f4le\u00a0charaique, compos\u00e9\u00a0d\u2019au moins\u00a0trois membres\u00a0d\u00e9sign\u00e9s\u00a0par\u00a0l\u2019Assembl\u00e9e\u00a0g\u00e9n\u00e9rale.\u00a0<br \/>Les missions\u00a0de ce\u00a0comit\u00e9\u00a0consistent particuli\u00e8rement dans le cadre de la\u00a0conformit\u00e9\u00a0des\u00a0produits \u00e0 la\u00a0Charia, de contr\u00f4ler les activit\u00e9s de la\u00a0banque et de l\u2019\u00e9tablissement\u00a0financier\u00a0relevant\u00a0de la\u00a0finance\u00a0islamique.<br \/>Pour obtenir\u00a0l\u2019autorisation\u00a0de la banque\u00a0d\u2019Alg\u00e9rie , la\u00a0banque\u00a0ou l\u2019\u00e9tablissement\u00a0financier\u00a0doit\u00a0aussi\u00a0clarifier\u00a0la proc\u00e9dure\u00a0\u00e0\u00a0suivre\u00a0pour\u00a0assurer l\u2019ind\u00e9pendance\u00a0administrative\u00a0et\u00a0financi\u00e8re\u00a0du\u00a0\u00ab\u00a0guichet\u00a0de finance\u00a0islamique\u00a0\u00bb,\u00a0du reste\u00a0des activit\u00e9s.<br \/>\u00ab\u00a0le\u00a0guichet\u00a0de finance\u00a0islamique\u00a0doit\u00a0\u00eatre\u00a0financi\u00e8rement\u00a0ind\u00e9pendant\u00a0des autres\u00a0structures\u00a0de la\u00a0banque\u00a0ou de l\u2019\u00e9tablissement\u00a0financier.\u00a0La comptabilit\u00e9\u00a0du\u00a0guichet\u00a0de\u00a0finance\u00a0islamique\u00a0doit\u00a0\u00eatre\u00a0totalement\u00a0s\u00e9par\u00e9e de celle des autres structures\u00a0de la banque\u00a0ou de l\u2019\u00e9tablissement\u00a0financier\u00a0\u00bb, selon le r\u00e8glement\u00a0de la\u00a0banque\u00a0centrale.<br \/>Cette\u00a0s\u00e9paration, explique\u00a0le r\u00e8glement,\u00a0doit notamment\u00a0permettre\u00a0l\u2019\u00e9tablissement\u00a0de l\u2019ensemble\u00a0des \u00e9tats financiers, exclusivement\u00a0d\u00e9di\u00e9s\u00a0\u00e0 l\u2019activit\u00e9\u00a0du guichet\u00a0de la\u00a0finance\u00a0islamique.\u00a0<\/p>\n<p>Auteur: Boudjedri<br \/>\n<a href=\"http:\/\/www.jeune-independant.net\/Les-banques-islamiques-proposent.html\">Cliquez ici pour lire l&rsquo;article depuis sa source.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les banques islamiques mettront sur le march\u00e9 six produits de financements afin d\u2019elargir leurs gammes de cr\u00e9dits. Cest ce qui est pr\u00e9cis\u00e9 dans le nouveau\u00a0r\u00e8glement\u00a0de la Banque\u00a0d\u2019Alg\u00e9rie\u00a0d\u00e9finissant\u00a0les op\u00e9rations et les\u00a0conditions\u00a0des banques et les\u00a0\u00e9tablissement\u00a0financiers publi\u00e9 sur le journal officiel.Les banques\u00a0et les \u00e9tablissements\u00a0financiers\u00a0pourront d\u00e9sormais\u00a0\u00e9largir\u00a0leur\u00a0gamme de services et\u00a0commercialiser\u00a0des produits conformes \u00e0 la finance alternative\u00a0qui ne constitue qu\u2019\u00e0 3%\u00a0du [&hellip;]<\/p>\n","protected":false},"author":1737,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[73,53],"tags":[],"class_list":["post-80464","post","type-post","status-publish","format-standard","hentry","category-actualite","category-algerie"],"_links":{"self":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/posts\/80464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/users\/1737"}],"replies":[{"embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/comments?post=80464"}],"version-history":[{"count":0,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/posts\/80464\/revisions"}],"wp:attachment":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/media?parent=80464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/categories?post=80464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/tags?post=80464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}