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Propositions Réformer le système bancaire - Algerie360
Dans sa dernière contribution (novembre 2017), le Collectif Nabni a proposé un plan d’action comportant 10 propositions à lancer en urgence pour amortir le choc contre l’iceberg. Ce plan appelle à démarrer les réformes de fond dès 2018, en visant les problèmes structurels de notre économie. Dans cette troisième contribution, nous revenons sur la proposition : réformer le système bancaire pour irriguer l’économie nationale.
S’il est une réforme qui a fait l’objet d’un consensus c’est celle du système bancaire. Le retard de nos banques est plus critique dans un contexte de crise impliquant de relever simultanément deux défis : la consolidation de nos finances publiques et la relance de la production et des exportations hors hydrocarbures.
Figure 1- Algérie-Principaux indicateurs sur le système bancaire
Le collectif Nabni a proposé 5 actions d’urgence pour entamer la réforme du système bancaire :
Réforme des banques publiques : il s’agit de transformer les banques publiques en véritables banques au service du développement économique. Il faudra nettoyer et sortir des bilans des banques publiques les actifs qui ne correspondent pas à une exploitation commerciale normale, ainsi que les actifs non performants.
Confier la gestion de ces actifs à des entités (par type d’actif) spécifiquement mandatées avec des objectifs précis de gestion. L’objectif d’une telle décision est de créer une rupture dans la gouvernance et la gestion des banques publiques. Elle permettra également de remettre sur le marché des actifs non exploités et de sortir des bilans des banques des actifs susceptibles de rendre moins visibles les performances des nouveaux gestionnaires.
Cette mesure préalable rendra possible la mise en œuvre des mesures relatives à la gouvernance et à l’ouverture du capital en bourse des banques.
Ouvrir la majorité du capital d’une banque publique à l’horizon 2018 (en partie par l’introduction en bourse, notamment pour améliorer la transparence). Mettre en place des conseils d’administration constitués de compétences de niveau international. L’intervention de l’État actionnaire se limitera à la nomination d’administrateurs compétents et diligents et la mise en place de (vrais) contrats de performance et de lettres de mission explicitant les objectifs de l’État actionnaire. Le management aura une totale liberté de fixer la politique salariale et des incitations ainsi que des nouvelles règles de gestion.
Ouverture du secteur à plus d’acteurs bancaires et non bancaires afin de stimuler la concurrence et améliorer la pénétration des services bancaires : réviser la pratique actuelle d’octroi d’agrément pour les banques et établissements financiers de façon à rendre les critères et le processus transparents.
En tout état de cause, la singulière discrimination informelle empêchant l’implication du secteur privé algérien dans le secteur bancaire devrait être levée.
Aussi, dans un objectif de transparence et de bonne gouvernance, l’ouverture du capital des banques privées, à capitaux algériens ou étrangers, en bourse devrait être encouragée. Par ailleurs, l’autorisation d’établissement financiers non bancaires qui servent de comptes dépôt permettra d’augmenter la couverture bancaire des citoyens.
Enfin, en termes d’ouverture du secteur à de nouveaux acteurs et de nouveaux produits bancaires, il faudrait favoriser l’émergence de banques islamiques.
Stimuler le développement du réseau bancaire national et international. L’Algérie accuse un retard certain en termes d’implantation des banques et de développement des services bancaires.
Il est nécessaire d’abolir l’autorisation formelle préalable instaurée par la Banque d’Algérie à la mise en service de toute nouvelle agence, en la remplaçant par une autorisation de fait, suivie de contrôles a posteriori, si la banque n’a pas reçu de réponse à sa requête dans un délai de 45 jours.
Le gouvernement doit permettre et encourager le développement du réseau international des banques en commençant par assouplir la réglementation des changes relative à ce type d’expansion de réseau.
Autoriser la création d’établissements de paiements pour augmenter la bancarisation. Il s’agit d’établissements non bancaires mais qui jouent le rôle de simples banques et offrent des services de base aux citoyens (dépôt, retrait et virement) mais pas de prêts ni d’assurance. Ce type d’établissement est l’une des solutions au déficit de bancarisation de la population (autour de 50% en Algérie). Il a été adopté par plusieurs pays tels que la Jordanie et le Maroc. Cette solution permet également de mettre dans le circuit formel de l’argent – de petites bourses – qui ne l’est pas aujourd’hui.
Moderniser – enfin – l’infrastructure électronique bancaire et généraliser le paiement par cartes bancaires et le paiement en ligne, ce qui générera l’essor du commerce en ligne et des activités associées. Les progrès très modestes réalisés en la matière ces dernières années entravent le développement de pans entiers de notre économie. De plus, le paiement électronique est le meilleur remède contre le secteur informel et induit une réduction des déplacements. Il conviendra de reconnaître légalement la signature électronique, de généraliser les cartes de paiement électroniques à très court terme et de rendre obligatoire l’acceptation de tels moyens de paiement à partir de montants bas.
Le collectif NABNI