{"id":99617,"date":"2020-09-22T04:12:45","date_gmt":"2020-09-22T08:12:45","guid":{"rendered":"https:\/\/linitiative.ca\/International\/itceq-le-taux-dinteret-est-la-principale-contrainte-du-financement-bancaire\/"},"modified":"2020-09-22T04:12:45","modified_gmt":"2020-09-22T08:12:45","slug":"itceq-le-taux-dinteret-est-la-principale-contrainte-du-financement-bancaire","status":"publish","type":"post","link":"https:\/\/linitiative.ca\/International\/itceq-le-taux-dinteret-est-la-principale-contrainte-du-financement-bancaire\/","title":{"rendered":"ITCEQ : le taux d\u2019int\u00e9r\u00eat est la principale contrainte du financement bancaire"},"content":{"rendered":"<h2>Dans son volet li\u00e9 au financement bancaire,\u00a0<a href=\"http:\/\/www.leconomistemaghrebin.com\/2020\/09\/21\/itceq-la-corruption-principale-contrainte-du-climat-des-affaires\/\" target=\"_blank\" rel=\"noopener noreferrer\">l\u2019enqu\u00eate annuelle de l\u2019ITCEQ<\/a>\u00a0sur le climat des affaires et la comp\u00e9titivit\u00e9<\/h2>\n<h2>des entreprises 2019 montre que 31% des entreprises consid\u00e8rent l\u2019acc\u00e8s au financement bancaire comme une<\/h2>\n<h2>contrainte majeure.<\/h2>\n<p>48% des entreprises consid\u00e8rent que les garanties exig\u00e9es figurent parmi les principales contraintes rencontr\u00e9es au niveau de l\u2019acc\u00e8s au financement bancaire.<\/p>\n<p>En effet, l\u2019autofinancement exig\u00e9 par les banques et le d\u00e9lai de d\u00e9blocage du cr\u00e9dit repr\u00e9sentent les principales contraintes rencontr\u00e9es au niveau de l\u2019acc\u00e8s au financement pour 23% et 21% des entreprises.<\/p>\n<p>83% des entreprises consid\u00e8rent que le taux d\u2019int\u00e9r\u00eat comme une principale contrainte au niveau du co\u00fbt du financement. Cela s\u2019ajoute aux frais d\u2019assurance pour l\u2019obtention du cr\u00e9dit et \u00e0 l\u2019\u00e9tude du dossier.<\/p>\n<p>Peut-on assouplir la contrainte du financement bancaire ? En r\u00e9ponse \u00e0 cette question, l\u2019enqu\u00eate de\u00a0<a href=\"http:\/\/www.itceq.tn\/\" target=\"_blank\" rel=\"noopener noreferrer\">l\u2019TICEQ<\/a>\u00a0montre que plusieurs facteurs p\u00e8sent sur les banques. Il s\u2019agit notamment de facteurs institutionnels, de la disponibilit\u00e9 et d\u2019acc\u00e8s \u00e0 l\u2019information et des facteurs intrins\u00e8ques \u00e0 la banque.<\/p>\n<p>Selon les r\u00e9sultats de la m\u00eame enqu\u00eate 84% des banques d\u00e9clarent que la d\u00e9faillance des syst\u00e8mes d\u2019information explique leur recours excessif aux garanties.<\/p>\n<p>Notons que 83% des banques interrog\u00e9es d\u00e9clarent que l\u2019inexistence de bureaux de cr\u00e9dits priv\u00e9s constitue un obstacle \u00e0 l\u2019octroi de cr\u00e9dits.<\/p>\n<p><strong>source :leconomistemaghrebin<\/strong><\/p>\n<div class=\"wp-post-author-wrap wp-post-author-shortcode left\">\n<h3 class=\"awpa-title\"\/>\n<div class=\"wp-post-author\">\n<div class=\"awpa-img awpa-author-block square\"><a href=\"http:\/\/lexpertjournal.net\/fr\/?author=5\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" src=\"http:\/\/0.gravatar.com\/avatar\/97f8e10a1c1125ba104a76514ee07b16?s=150&amp;d=mm&amp;r=g\" srcset=\"http:\/\/0.gravatar.com\/avatar\/97f8e10a1c1125ba104a76514ee07b16?s=300&amp;d=mm&amp;r=g 2x\" class=\"avatar avatar-150 photo\" height=\"150\" width=\"150\"\/><\/a><\/div>\n<\/div>\n<\/div>\n<aside class=\"mashsb-container mashsb-main mashsb-stretched\">\n<\/aside>\n<p>Auteur: L&rsquo;expert<br \/>\n<a href=\"http:\/\/lexpertjournal.net\/fr\/?p=16660\">Cliquez ici pour lire l&rsquo;article depuis sa source.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans son volet li\u00e9 au financement bancaire,\u00a0l\u2019enqu\u00eate annuelle de l\u2019ITCEQ\u00a0sur le climat des affaires et la comp\u00e9titivit\u00e9 des entreprises 2019 montre que 31% des entreprises consid\u00e8rent l\u2019acc\u00e8s au financement bancaire comme une contrainte majeure. 48% des entreprises consid\u00e8rent que les garanties exig\u00e9es figurent parmi les principales contraintes rencontr\u00e9es au niveau de l\u2019acc\u00e8s au financement bancaire. [&hellip;]<\/p>\n","protected":false},"author":1775,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[78,55],"tags":[],"class_list":["post-99617","post","type-post","status-publish","format-standard","hentry","category-economie","category-tunisie"],"_links":{"self":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/posts\/99617","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\/1775"}],"replies":[{"embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/comments?post=99617"}],"version-history":[{"count":0,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/posts\/99617\/revisions"}],"wp:attachment":[{"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/media?parent=99617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/categories?post=99617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/linitiative.ca\/International\/wp-json\/wp\/v2\/tags?post=99617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}