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Friday, 11 August 2017 01:24

Financement de l’économie : le secteur bancaire de la RD Congo parmi les moins ouvert de la CEEAC

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Ratio d'ouverture bancaire dans la CEEAC Ratio d'ouverture bancaire dans la CEEAC Hugo Nsundi
Avec un ratio d’ouverture bancaire de 10,3%, le secteur bancaire congolais semble être l’un des moins ouverts de la zone CEEAC qui compte 11 pays à savoir ; l'Angola, le Burundi, le Cameroun, la République centrafricaine, la République du Congo, la République démocratique du Congo, le Gabon, la Guinée équatoriale, le Tchad, le Sao Tomé-et-Principe, le Rwanda.

Cela signifie que pour 100 dépositaires ou simplement 100 comptes bancaires enregistrés, seulement 10,3 ont accès au crédit. On peut en conclure que le secteur bancaire en RD Congo injecte dans l’économie moins qu’elle ne reçoit d’elle, alors moins pendant que le ratio moyen dans la zone mise sous observation est de 19,4% depuis 2010. En quelque sorte. La question est de savoir qu’est-ce qui est fait avec l’argent non injecté ? ou on peut simplement poser une autre question, celle de savoir pourquoi les autres détenteurs des comptes n’ont pas accès au crédit.

Toutefois, s’il faut parler en terme de classement la RD Congo se place devant la Guinée équatoriale puis l’Angola qui ont des ratios moyens de respectivement 7.8% et 3.2% sur la période observée.
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