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Mohamed Loukal aux banques : Que chacun fasse son travail ! - Algerie360
Écrit par Farid Messaoud
Participant hier à un symposium sur la place financière algérienne et les produits bancaires et d’assurances, le gouverneur de la Banque d’Algérie, Mohamed Loukal, a présenté, dans un langage clair et non technique, des instructions afin de résorber les fonds informels et de mieux collecter la ressource, invitant les banquiers à suivre le mode d’emploi qu’il a fourni.
Il faut que chacun fasse son bout de chemin, c’est comme ça qu’on arrive à faire fonctionner les mécanismes devant permettre d’atteindre les objectifs que nous visons en ce qui a trait aux fonds informels, c’est la formulation que le gouverneur de la Banque d’Algérie, Mohamed Loukal, a adoptée pour faire entrer l’argent de l’informel dans les caisses de l’Etat.
De dures et amères vérités sont sorties hier de la bouche du gouverneur. M. Loukal a ainsi estimé que les banques exagèrent dans la perception qu’elles se font de la loi relative à la mise en conformité fiscale volontaire (MCFV). Il le souligne en ces termes : « En matière d’inclusion financière, il y a eu beaucoup de tentatives, mais qui ont été sans grand succès. L’inclusion financière est restée timide. J’étais dans une banque commerciale et je parle en connaissance de cause: le système bancaire s’est enfermé dans une situation qui l’a amené, en voulant développer du zèle dans la loi sur la lutte antiblanchiment, à aller à l’encontre de cette loi. Cette situation a empêché les banques de jouer leur rôle de collecte de ressources ». La loi est pourtant claire. Elle autorise les personnes physiques qui ont de l’argent dans l’informel à le déposer dans les banques, en s’acquittant d’une taxe forfaitaire libératoire de 7%. Le versement du produit de cette taxe a été centralisé au niveau de la Direction des grandes entreprises (DGE) qui est appelée à le transmettre aux directions des impôts de la wilaya où réside le contribuable. Les agences bancaires ont été ainsi chargées de collecter les dépôts, de défalquer instantanément la taxe de 7% et de la verser à la DGE. Mais dans les faits, leur mission ne s’est pas arrêtée là ; elles cherchaient à savoir si l’argent à déposer n’était pas le produit de blanchiment. Or, cela ne relève pas de leurs compétences. Et c’est à ce niveau-là que le problème se situe dans une certaine mesure. Aussi Loukal ne souhaite-t-il pas que les banques se laissent aller à une fausse orthodoxie financière, la frontière entre la collecte des ressources et le blanchiment étant établie. En effet, la Banque d’Algérie a mis, à travers une récente instruction adressée aux banques de la place, une frontière « imperméable » entre la collecte des ressources, qui devrait être l’objectif essentiel des banques, et le renseignement financier qui doit être du ressort exclusif des instances concernées et non pas une prérogative des banques.
Produits alternatifs : bientôt un nouveau règlement
Ainsi, la Banque centrale s’est récemment concertée avec les P-DG des banques et a promulgué une instruction qui devrait libérer les banques de cette contrainte. Cette instruction invite les banques, qui sont même passées à interroger leurs clients sur l’origine des fonds et l’objet de leurs opérations, à se focaliser sur la collecte de l’épargne. Pour dire les choses simplement, Mohamed Loukal, cite des exemples frappants : « Un client d’une agence depuis 20 ans a vendu un bien immobilier. En se présentant chez sa banque avec un chèque pour le verser dans son compte, on lui demande l’objet de l’opération ». Le gouverneur fait remarquer que la loi interdit ces « dérives ». Et de relever qu’on touche pratiquement à la dignité du client lorsqu’on lui demande l’objet de l’opération. Loukal a saisi l’occasion pour exhorter les banques à développer un programme en matière « d’agressivité commerciale de façon à récolter le maximum de la masse fiduciaire qui se trouve en dehors du circuit bancaire. L’Etat a tendu la main aux acteurs qui sont dans l’informel, une sphère dont il escomptait des retombées très intéressantes à moyen terme, espérant récupérer 1300 milliards de dinars de fonds informels. Il n’en a attirés que près de 50 milliards de dinars. C’est dérisoire. Par ailleurs, dans le circuit formel, les banques s’apprêtent à étoffer leur gamme de produits, en y intégrant des produits de la finance islamique (« produits alternatifs »). Et à cet effet, un nouveau règlement de la Banque d’Algérie les encadrant au niveau des banques et établissements financiers sera promulgué incessamment une fois validé par le Conseil de la Monnaie et du Crédit. L’annonce en a été faite par le gouverneur de la BA, indiquant que nous allons promulguer incessamment un règlement pour faire en sorte que les produits financiers classiques et ceux dits alternatifs soient d’une imperméabilité totale. Il y aura une seule supervision et un seul règlement qui encadre la finance classique et la finance alternative. Il a noté que les banques de la place pouvaient offrir normalement, dans le cadre de la loi actuelle sur la Monnaie et le Crédit, des produits bancaires alternatifs aux produits classiques et qu’il n’y avait pas nécessité de changer cette loi. Cependant, les banques qui vont ouvrir des fenêtres pour ces produits doivent leur dédier une organisation spécifique et particulière de manière à assurer une « imperméabilité » totale entre les produits classiques et les produits alternatifs, a-t-il précisé. Le gouverneur a, d’autre part, tenu à démentir certaines « rumeurs » faisant état d’un abandon par la BA des produits alternatifs qui offrent d’autres formes de rémunérations aux crédits que les taux d’intérêts, et a avancé que la BA a analysé tous les nouveaux produits proposés par les banques de la place dans ce cadre et leur a demandé de mieux les adapter.