{"id":12419,"date":"2025-09-17T15:15:17","date_gmt":"2025-09-17T13:15:17","guid":{"rendered":"https:\/\/lettre-bourse.com\/?p=12419"},"modified":"2025-09-17T15:16:55","modified_gmt":"2025-09-17T13:16:55","slug":"microfinance-en-afrique-centrale-la-cobac-impose-de-nouvelles-regles-pour-securiser-lepargne-2","status":"publish","type":"post","link":"https:\/\/lettre-bourse.com\/?p=12419","title":{"rendered":"Microfinance en Afrique centrale : la COBAC impose de nouvelles r\u00e8gles pour s\u00e9curiser l\u2019\u00e9pargne"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La <strong>Commission Bancaire de l\u2019Afrique Centrale (COBAC)<\/strong> a annonc\u00e9, lors de sa rencontre annuelle tenue le <strong>15 septembre 2025 \u00e0 Douala<\/strong>, de nouvelles mesures <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1016\" height=\"762\" src=\"https:\/\/lettre-bourse.com\/wp-content\/uploads\/2025\/09\/WhatsApp-Image-2025-09-16-at-13.20.53.jpeg\" alt=\"\" class=\"wp-image-12420\" style=\"width:539px;height:auto\" srcset=\"https:\/\/lettre-bourse.com\/wp-content\/uploads\/2025\/09\/WhatsApp-Image-2025-09-16-at-13.20.53.jpeg 1016w, https:\/\/lettre-bourse.com\/wp-content\/uploads\/2025\/09\/WhatsApp-Image-2025-09-16-at-13.20.53-300x225.jpeg 300w, https:\/\/lettre-bourse.com\/wp-content\/uploads\/2025\/09\/WhatsApp-Image-2025-09-16-at-13.20.53-768x576.jpeg 768w\" sizes=\"(max-width: 1016px) 100vw, 1016px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">destin\u00e9es \u00e0 renforcer la solidit\u00e9 du secteur de la <strong>microfinance en Afrique centrale<\/strong>. Objectif : s\u00e9curiser l\u2019\u00e9pargne populaire, pr\u00e9venir les risques et aligner les <strong>\u00e9tablissements de microfinance (EMF)<\/strong> sur les standards internationaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contr\u00f4le interne : des obligations accrues pour les \u00e9tablissements de microfinance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis 2017, le r\u00e8glement <strong>EMF R-2017\/06<\/strong> impose aux EMF de se doter de dispositifs de <strong>contr\u00f4le interne robustes<\/strong>. Concr\u00e8tement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mise en place d\u2019un contr\u00f4le permanent au quotidien,<\/li>\n\n\n\n<li>Audit interne ind\u00e9pendant,<\/li>\n\n\n\n<li>Comit\u00e9s sp\u00e9cialis\u00e9s pour l\u2019audit et la gestion des risques,<\/li>\n\n\n\n<li>Rapport annuel norm\u00e9 \u00e0 transmettre \u00e0 la COBAC avant le 30 juin.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces obligations, parfois jug\u00e9es contraignantes par les petits \u00e9tablissements, visent \u00e0 transformer les EMF en <strong>\u00ab mini-banques fiables \u00bb<\/strong>, capables d\u2019assurer la <strong>s\u00e9curit\u00e9 de l\u2019\u00e9pargne des m\u00e9nages<\/strong> et de mieux r\u00e9sister aux crises \u00e9conomiques et financi\u00e8res.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lutte contre le blanchiment et financement du terrorisme (LBC\/FT)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un nouveau r\u00e8glement, entr\u00e9 en vigueur en d\u00e9cembre 2023, renforce les dispositifs de <strong>conformit\u00e9 bancaire<\/strong> et de lutte contre les flux financiers illicites. Les \u00e9tablissements doivent d\u00e9sormais :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identifier syst\u00e9matiquement leurs clients et b\u00e9n\u00e9ficiaires effectifs,<\/li>\n\n\n\n<li>Surveiller en continu les transactions gr\u00e2ce \u00e0 des syst\u00e8mes automatis\u00e9s,<\/li>\n\n\n\n<li>Mettre \u00e0 jour chaque ann\u00e9e leur <strong>cartographie des risques<\/strong>,<\/li>\n\n\n\n<li>Former r\u00e9guli\u00e8rement leur personnel,<\/li>\n\n\n\n<li>Et d\u00e9clarer toute <strong>op\u00e9ration suspecte \u00e0 l\u2019ANIF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces mesures visent \u00e0 prot\u00e9ger la <strong>stabilit\u00e9 financi\u00e8re de la CEMAC<\/strong> et \u00e0 \u00e9viter que les circuits de la microfinance ne deviennent des canaux de blanchiment d\u2019argent ou de financement du terrorisme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Un enjeu de confiance et d\u2019inclusion financi\u00e8re<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la <strong>COBAC<\/strong>, la professionnalisation du secteur de la microfinance est une priorit\u00e9. Elle constitue un levier essentiel pour renforcer la <strong>confiance du public<\/strong>, d\u00e9velopper l\u2019<strong>inclusion financi\u00e8re en Afrique centrale<\/strong> et positionner la CEMAC dans les standards financiers internationaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c0 retenir pour les EMF<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contr\u00f4le interne : audit ind\u00e9pendant, comit\u00e9s sp\u00e9cialis\u00e9s, rapport annuel norm\u00e9<\/li>\n\n\n\n<li>LBC\/FT : identification des clients, surveillance continue, d\u00e9claration des op\u00e9rations suspectes<\/li>\n\n\n\n<li>Objectif : une <strong>microfinance s\u00e9curis\u00e9e, transparente et r\u00e9siliente<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec ces nouvelles r\u00e8gles, la COBAC entend garantir que la <strong>microfinance en Afrique centrale<\/strong> devienne un v\u00e9ritable moteur de d\u00e9veloppement, tout en prot\u00e9geant l\u2019\u00e9pargne des populations et en renfor\u00e7ant la cr\u00e9dibilit\u00e9 du syst\u00e8me financier r\u00e9gional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Commission Bancaire de l\u2019Afrique Centrale (COBAC) a annonc\u00e9, lors de sa rencontre annuelle tenue le 15 septembre 2025 \u00e0<\/p>\n","protected":false},"author":2,"featured_media":12420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[91],"tags":[],"class_list":["post-12419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-echo-des-marches"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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