{"id":51052,"date":"2026-04-14T10:43:13","date_gmt":"2026-04-14T10:43:13","guid":{"rendered":"https:\/\/journalintegration.com\/?p=51052"},"modified":"2026-04-14T10:44:58","modified_gmt":"2026-04-14T10:44:58","slug":"cemac-le-cameroun-champion-des-taux-de-credit-les-plus-bas-un-avantage-a-nuancer","status":"publish","type":"post","link":"https:\/\/journalintegration.com\/index.php\/2026\/04\/14\/cemac-le-cameroun-champion-des-taux-de-credit-les-plus-bas-un-avantage-a-nuancer\/","title":{"rendered":"CEMAC : le Cameroun champion des taux de cr\u00e9dit les plus bas, un avantage \u00e0 nuancer"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Entre un pays leader du cr\u00e9dit abordable et une sous-r\u00e9gion encore prisonni\u00e8re de taux \u00e9lev\u00e9s, les fractures financi\u00e8res persistent et interrogent l\u2019avenir de l\u2019int\u00e9gration \u00e9conomique.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"461\" src=\"https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-1024x461.jpg\" alt=\"\" class=\"wp-image-51053\" srcset=\"https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-1024x461.jpg 1024w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-300x135.jpg 300w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-768x345.jpg 768w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-934x420.jpg 934w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-640x288.jpg 640w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC-681x306.jpg 681w, https:\/\/journalintegration.com\/wp-content\/uploads\/2026\/04\/CEMAC.jpg 1465w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les derni\u00e8res donn\u00e9es de la Banque des \u00c9tats de l\u2019Afrique Centrale (BEAC), le paysage du cr\u00e9dit dans la zone CEMAC r\u00e9v\u00e8le de fortes disparit\u00e9s, avec un Cameroun qui se distingue comme le march\u00e9 le plus favorable en mati\u00e8re de co\u00fbt du financement. \u00c0 fin d\u00e9cembre 2025, le taux moyen du cr\u00e9dit y est \u00e9valu\u00e9 \u00e0 8,60 %, contre une moyenne communautaire de 11,50 %, confirmant une relative comp\u00e9titivit\u00e9 du syst\u00e8me bancaire camerounais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le reste de la sous-r\u00e9gion, les \u00e9carts sont significatifs. Le Gabon affiche un niveau particuli\u00e8rement \u00e9lev\u00e9 de 22,28 %, la Guin\u00e9e \u00e9quatoriale 13,22 %, et la R\u00e9publique du Congo 13,19 %. Ces diff\u00e9rences traduisent \u00e0 la fois des structures bancaires h\u00e9t\u00e9rog\u00e8nes et des niveaux de risque per\u00e7us distincts par les \u00e9tablissements financiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour l\u2019\u00e9conomiste camerounais Alain Mewoulou, cette situation refl\u00e8te \u00abune meilleure profondeur du march\u00e9 bancaire au Cameroun, mais aussi une concurrence plus active entre les \u00e9tablissements de cr\u00e9dit\u00bb. Selon lui, la pr\u00e9sence d\u2019un tissu entrepreneurial plus dense contribue \u00e9galement \u00e0 fluidifier l\u2019acc\u00e8s au financement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De son c\u00f4t\u00e9, la sp\u00e9cialiste en finance sous r\u00e9gionale Claire Tientcheu souligne toutefois que \u00ab des taux relativement bas ne signifient pas n\u00e9cessairement un acc\u00e8s facile au cr\u00e9dit \u00bb. Elle insiste sur les conditions d\u2019octroi encore strictes, notamment les garanties exig\u00e9es et la s\u00e9lectivit\u00e9 des banques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette analyse est partag\u00e9e par plusieurs acteurs \u00e9conomiques, qui estiment que la baisse relative des taux au Cameroun ne se traduit pas encore pleinement par une inclusion financi\u00e8re large. Les PME, en particulier, restent confront\u00e9es \u00e0 des difficult\u00e9s structurelles pour acc\u00e9der aux financements n\u00e9cessaires \u00e0 leur croissance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce contexte, la BEAC appelle \u00e0 une harmonisation progressive des politiques mon\u00e9taires et \u00e0 un renforcement des m\u00e9canismes de partage des risques afin de stimuler le financement de l\u2019\u00e9conomie r\u00e9elle dans toute la CEMAC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, entre attractivit\u00e9 relative du Cameroun et tensions persistantes dans les autres \u00e9conomies de la zone, le march\u00e9 du cr\u00e9dit en Afrique centrale demeure \u00e0 la crois\u00e9e des chemins, entre prudence bancaire et n\u00e9cessit\u00e9 de soutien \u00e0 la croissance. Les experts recommandent ainsi une acc\u00e9l\u00e9ration des r\u00e9formes bancaires, notamment la digitalisation des services financiers et la r\u00e9duction des co\u00fbts de transaction. \u00c0 moyen terme, l\u2019enjeu reste de transformer cet avantage relatif en v\u00e9ritable levier de d\u00e9veloppement \u00e9conomique inclusif.<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><em>R\u00e9my Biniou<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entre un pays leader du cr\u00e9dit abordable et une sous-r\u00e9gion encore prisonni\u00e8re de taux \u00e9lev\u00e9s, les fractures financi\u00e8res persistent et interrogent l\u2019avenir de l\u2019int\u00e9gration \u00e9conomique. Selon les derni\u00e8res donn\u00e9es de la Banque des \u00c9tats de l\u2019Afrique Centrale (BEAC), le paysage du cr\u00e9dit dans la zone CEMAC r\u00e9v\u00e8le de fortes disparit\u00e9s, avec un Cameroun qui se [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":51054,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[60,25],"tags":[],"class_list":["post-51052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-institutions","category-integration-regionale"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CEMAC : le Cameroun champion des taux de cr\u00e9dit les plus bas, un avantage \u00e0 nuancer - Int\u00e9gration<\/title>\n<meta name=\"description\" content=\"CEMAC : le Cameroun champion des taux de cr\u00e9dit les 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