La Banque Centrale de Tunisie (BCT) a mis en place un nouveau cadre de gouvernance des banques et des \u00e9tablissements financiers. Il s\u2019agit d\u2019un cadre \u00ab plus exhaustif de gouvernance des banques et \u00e9tablissements financiers inspir\u00e9 des meilleures pratiques internationales \u00bb, selon un communiqu\u00e9 du 19 ao\u00fbt 2021.<\/p>\n\n\n\n
Ce nouveau cadre a \u00e9t\u00e9 pr\u00e9sent\u00e9 dans le cadre de la circulaire n\u00b02021-05 du 19 ao\u00fbt 2021 qui vient abroger la circulaire n\u00b02011 -06 du 20 mai 2021. Riche de plus de 30 articles que sa pr\u00e9d\u00e9cesseure, la circulaire n\u00b02021-05 apporte plusieurs d\u00e9finitions telles que celles des termes \u00ab Conflits d\u2019int\u00e9r\u00eats \u00bb, \u00ab Culture du risque \u00bb ou encore \u00ab Fonctions cl\u00e9s \u00bb.<\/p>\n\n\n\n
La BCT a expliqu\u00e9 que le nouveau cadre vise \u00e0 baliser la voie au secteur bancaire pour l\u2019acc\u00e9l\u00e9ration des r\u00e9formes structurantes d\u00e9j\u00e0 engag\u00e9es par la BCT vers plus d\u2019efficacit\u00e9, d\u2019innovation et de r\u00e9silience. Elle a expliqu\u00e9 que ce cadre r\u00e9sulte de concertations avec des professionnels et des experts et les principes de proportionnalit\u00e9, de l\u2019\u00e9quilibre des pouvoirs et de la transparence.<\/p>\n\n\n\n
Les apports de la circulaire sont essentiellement :<\/p>\n\n\n\n
L\u2019instauration d\u2019une v\u00e9ritable culture du risque \u00e0 travers le renforcement de l\u2019ind\u00e9pendance et de l\u2019effectivit\u00e9 des lignes de d\u00e9fense \u00e0 savoir l\u2019audit, le risque et la conformit\u00e9.<\/p>\n\n\n\n
Le renforcement de la responsabilit\u00e9 de l\u2019organe d\u2019administration en mati\u00e8re de pilotage strat\u00e9gique et de surveillance de l\u2019organe de direction.<\/p>\n\n\n\n
La promotion de la culture de la diversit\u00e9 des genres au niveau des organes d\u2019administration.<\/p>\n\n\n\n
L\u2019instauration d\u2019un processus clair de nomination et d\u2019une politique de r\u00e9mun\u00e9ration des premiers responsables en ad\u00e9quation avec les performances de la banque.<\/p>\n\n\n\n
La cons\u00e9cration de principes compl\u00e9mentaires de gouvernance sp\u00e9cifiques aux \u00e9tablissements exer\u00e7ant des op\u00e9rations bancaires islamiques en vue de renforcer la transparence et la confiance des op\u00e9rateurs.<\/p>\n\n\n\n
La cons\u00e9cration des principes de responsabilit\u00e9 \u00e9conomique soci\u00e9tale et de protection des consommateurs dans la gestion des banques.<\/p>\n\n\n\n
La BCT a aussi soulign\u00e9 l\u2019importance de l\u2019implication des organes des \u00e9tablissements bancaires dans le pilotage strat\u00e9gique, la gestion des risques et face aux enjeux li\u00e9s \u00e0 l\u2019innovation technologique et la digitalisation des services financiers.<\/p>\n\n\n\n
Par ailleurs, la BCT a accord\u00e9 un d\u00e9lai transitoire d\u2019une ann\u00e9e aux banques et aux \u00e9tablissements financiers pour se conformer aux dispositions de la nouvelle circulaire.<\/p>\n","protected":false},"excerpt":{"rendered":"
La Banque Centrale de Tunisie (BCT) a mis en place un nouveau cadre de gouvernance des banques et des \u00e9tablissements financiers. Il s\u2019agit d\u2019un cadre \u00ab plus exhaustif de gouvernance des banques et \u00e9tablissements financiers inspir\u00e9 des meilleures pratiques internationales \u00bb, selon un communiqu\u00e9 du 19 ao\u00fbt 2021. Ce nouveau cadre a \u00e9t\u00e9 pr\u00e9sent\u00e9 dans […]<\/p>\n","protected":false},"author":4,"featured_media":5305,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[14,43],"tags":[],"class_list":["post-32180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/32180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32180"}],"version-history":[{"count":2,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/32180\/revisions"}],"predecessor-version":[{"id":32182,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/32180\/revisions\/32182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/5305"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}