{"id":49107,"date":"2026-01-23T12:19:11","date_gmt":"2026-01-23T12:19:11","guid":{"rendered":"https:\/\/journalintegration.com\/?p=49107"},"modified":"2026-01-23T14:57:57","modified_gmt":"2026-01-23T14:57:57","slug":"bic-cemac-le-financement-a-la-portee-de-tous","status":"publish","type":"post","link":"https:\/\/journalintegration.com\/index.php\/2026\/01\/23\/bic-cemac-le-financement-a-la-portee-de-tous\/","title":{"rendered":"BIC-Cemac\u00a0: le financement \u00e0 la port\u00e9e de tous"},"content":{"rendered":"\n

Cette nouvelle disposition vise \u00e0 favoriser une meilleure accessibilit\u00e9 au cr\u00e9dit bancaire avec une tarification \u00e9quitable du cr\u00e9dit. La c\u00e9r\u00e9monie officielle de lancement du Bureau d\u2019information sur le cr\u00e9dit a eu lieu ce mardi 20 janvier 2026, dans la capitale \u00e9conomique camerounaise<\/em>.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Les bureaux d\u2019informations sur le cr\u00e9dit de la Cemac (Bic-Cemac) sont de nouveaux acteurs du syst\u00e8me bancaire de la Cemac \u00e0 c\u00f4t\u00e9 des \u00e9tablissements de cr\u00e9dit, des \u00e9tablissements de microfinance, des \u00e9tablissements de paiement, les institutions r\u00e9gionales de financement et des institutions financi\u00e8res r\u00e9gionales ou internationales de garantie de cr\u00e9dit. Pareille structure a \u00e9t\u00e9 officiellement lanc\u00e9e a Douala, ce mardi 20 janvier 2026.<\/p>\n\n\n\n

Leur cadre r\u00e8glementaire r\u00e9sulte du r\u00e8glement 03\/2018 CEMAC\/UMAC du 21 d\u00e9cembre 2018 relatif aux conditions d\u2019exercice, de contr\u00f4le et de supervision de l\u2019activit\u00e9 des bureaux d\u2019informations sur le cr\u00e9dit de la Cemac. \u00ab Les bureaux de l\u2019information sont une entit\u00e9 qui collecte les informations aupr\u00e8s des \u00e9tablissements : banques, microfinances, fournisseurs d\u2019\u00e9lectricit\u00e9, op\u00e9rateurs t\u00e9l\u00e9coms, autres fournisseurs de donn\u00e9es alternatifs et qui va permettre de partager ces informations au moment de la demande de cr\u00e9dit \u00bb, <\/em>a expliqu\u00e9 Sidimohamed Abouchikhi, le pr\u00e9sident du conseil d\u2019administration de cr\u00e9dit info Afrique de l\u2019Ouest.<\/em><\/p>\n\n\n\n

Le projet cr\u00e9dit bureau a d\u00e9marr\u00e9 en 2014, pour faire suite \u00e0 l\u2019une des recommandations de la conf\u00e9rence internationale organis\u00e9e \u00e0 Libreville en juin 2013 sur le financement des \u00e9conomies de la Cemac. La mise en place de ce projet constitue une r\u00e9ponse \u00e0 la n\u00e9cessit\u00e9 de disposer de centrales d\u2019informations financi\u00e8res fiables, susceptibles de r\u00e9duire significativement l\u2019asym\u00e9trie d\u2019informations entre d\u00e9tendeurs et demandeurs de capitaux, l\u2019un des freins identifi\u00e9s au financement du secteur priv\u00e9 dans la sous-r\u00e9gion Cemac. Notamment des petites et moyennes entreprises, ainsi que des m\u00e9nages.  <\/p>\n\n\n\n

\u00ab L\u2019objectif de ce projet \u00e9tait de promouvoir l\u2019activit\u00e9 des bureaux d\u2019informations de cr\u00e9dit (Bic) dans la Cemac afin d\u2019assurer une meilleure appr\u00e9ciation de la solvabilit\u00e9 des emprunteurs, afin de faciliter leur acc\u00e8s au cr\u00e9dit \u00e0 moindre co\u00fbt, et \u00e0 contribuer \u00e0 l\u2019am\u00e9lioration de la qualit\u00e9 des portefeuilles de cr\u00e9dit, des \u00e9tablissements pr\u00eateurs par la r\u00e9duction du taux de cr\u00e9ances en souffrance \u00bb,<\/em> a affirm\u00e9 Yvon Sana Bangui, le gouverneur de la Banques des Etats de l\u2019Afrique centrale (Beac). En gros, l\u2019objectif du Bic est de collecter, de compiler, de stocker et de traiter les donn\u00e9es et informations sur le cr\u00e9dit des personnes physiques ou morales aupr\u00e8s des fournisseurs.<\/p>\n\n\n\n

Am\u00e9liorer l\u2019inclusion financi\u00e8re<\/em><\/strong><\/p>\n\n\n\n

\u00ab Cette nouvelle initiative est destin\u00e9e \u00e0 moderniser notre \u00e9cosyst\u00e8me de cr\u00e9dit, \u00e0 soutenir une plus grande stabilit\u00e9 financi\u00e8re, \u00e0 am\u00e9liorer l\u2019inclusion financi\u00e8re et \u00e0 soutenir une r\u00e9paration \u00e9conomique robuste dans la r\u00e9gion.  Le secteur bancaire camerounais, responsable d\u2019une grande partie du cr\u00e9dit issu dans la Cemac, reste l\u2019engin primaire pour financer notre \u00e9conomie \u00bb<\/em>, a expliqu\u00e9 Gwendoline Abunaw, pr\u00e9sidente de l\u2019association professionnelle   des \u00e9tablissements de cr\u00e9dit du Cameroun (Apeccam)<\/p>\n\n\n\n

Tous les utilisateurs d\u2019informations sur le cr\u00e9dit doivent obtenir le consentement pr\u00e9alable de leur client, personne physique ou morale, pour la consultation des informations sur le cr\u00e9dit les concernant aupr\u00e8s des bureaux d\u2019informations sur le cr\u00e9dit.  \u00ab Nous allons d\u00e9ployer progressivement durant cette ann\u00e9e 2026 tous les bureaux d\u2019informations sur le cr\u00e9dit pour la zone Cemac dans tous les pays \u00e0 raison de deux par trimestre. Chaque fois nous ferons une c\u00e9r\u00e9monie de lancement suivie par des journ\u00e9es o\u00f9 nous allons un peu plus informer et travailler avec les op\u00e9rationnels de ces \u00e9tablissements de cr\u00e9dit sur comment appr\u00e9hender nos outils \u00bb<\/em> a affirm\u00e9 Philippe Boupda, le DG cr\u00e9dit info.<\/p>\n\n\n\n

Dans une r\u00e9cente \u00e9tude publi\u00e9e en 2025 par l\u2019Union mon\u00e9taire Ouest-africaine (Umoa), la Banque centrale de l\u2019Afrique de l\u2019Ouest est pass\u00e9e en 10 ans de 11% de cr\u00e9dit en souffrance \u00e0 3%. \u00ab Je crois que la pr\u00e9sidente de l\u2019Apeccam a parl\u00e9 dans son discours au Cameroun d\u2019un taux de cr\u00e9dit en souffrance officiel en 2025 de 14%. L\u2019ambition c\u2019est faire moins de 10 ans avec cr\u00e9dit info central Africa comme BIC agr\u00e9e en zone Cemac pour atteindre un taux similaire de cr\u00e9dit en souffrance et r\u00e9duire ainsi l\u2019asym\u00e9trie d\u2019information \u00bb,<\/em> a ajout\u00e9 le DG de cr\u00e9dit info.<\/p>\n\n\n\n

Le but de la consultation c\u2019est pour r\u00e9duire les risques syst\u00e9miques, r\u00e9duire l\u2019asym\u00e9trie de l\u2019information, mais aussi permettre un meilleur acc\u00e8s aux financements. Pour le consommateur \u00e0 travers les informations qu\u2019il a au niveau des op\u00e9rateurs t\u00e9l\u00e9phoniques, des fournisseurs d\u2019eau ou d\u2019\u00e9lectricit\u00e9, il peut faire valoir ces informations aupr\u00e8s du pr\u00e9teur pour une meilleure \u00e9valuation et un meilleur acc\u00e8s au financement. <\/p>\n\n\n\n

Diane Kenfack<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Cette nouvelle disposition vise \u00e0 favoriser une meilleure accessibilit\u00e9 au cr\u00e9dit bancaire avec une tarification \u00e9quitable du cr\u00e9dit. La c\u00e9r\u00e9monie officielle de lancement du Bureau d\u2019information sur le cr\u00e9dit a eu lieu ce mardi 20 janvier 2026, dans la capitale \u00e9conomique camerounaise. Les bureaux d\u2019informations sur le cr\u00e9dit de la Cemac (Bic-Cemac) sont de nouveaux […]<\/p>\n","protected":false},"author":1,"featured_media":49108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[25,30],"tags":[],"class_list":["post-49107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-integration-regionale","category-main-courante"],"yoast_head":"\nBIC-Cemac\u00a0: le financement \u00e0 la port\u00e9e de tous - Int\u00e9gration<\/title>\n<meta name=\"description\" content=\"BIC-Cemac\u00a0: le financement \u00e0 la port\u00e9e de tous\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/journalintegration.com\/index.php\/2026\/01\/23\/bic-cemac-le-financement-a-la-portee-de-tous\/\" \/>\n<meta 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