{"id":8551,"date":"2024-04-29T22:50:26","date_gmt":"2024-04-29T21:50:26","guid":{"rendered":"https:\/\/assemblee-nationale.bj\/?p=8551"},"modified":"2024-05-08T11:12:16","modified_gmt":"2024-05-08T10:12:16","slug":"affacturage-repression-de-lusure-et-reglementation-bancaire-lassemblee-nationale-dote-le-benin-de-trois-lois-majeures","status":"publish","type":"post","link":"https:\/\/assemblee-nationale.bj\/index.php\/2024\/04\/29\/affacturage-repression-de-lusure-et-reglementation-bancaire-lassemblee-nationale-dote-le-benin-de-trois-lois-majeures\/","title":{"rendered":"Affacturage, r\u00e9pression de l&rsquo;usure et r\u00e9glementation bancaire : L&rsquo;Assembl\u00e9e nationale dote le B\u00e9nin de trois lois majeures"},"content":{"rendered":"<div id=\"pl-8551\"  class=\"panel-layout\" ><div id=\"pg-8551-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-8551-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-8551-0-0-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"0\" ><div class=\"panel-widget-style panel-widget-style-for-8551-0-0-0\" >\t\t\t<div class=\"textwidget\"><p><strong> Affacturage, r\u00e9pression de l&rsquo;usure et r\u00e9glementation bancaire : L&rsquo;Assembl\u00e9e nationale dote le B\u00e9nin de trois lois majeures <\/strong><\/p>\n<p style=\"text-align: justify; line-height: 150%; background: white; margin: 0cm 0cm 4.5pt 0cm;\"><span style=\"color: #1c1e21;\"><strong><br \/>\n<\/strong> <\/span><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div>\n\t\t<\/div><\/div><\/div><\/div><div id=\"pg-8551-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-8551-1-0\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><div id=\"pgc-8551-1-1\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-8551-1-1-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"1\" ><div class=\"panel-widget-style panel-widget-style-for-8551-1-1-0\" >\t\t\t<div class=\"textwidget\"><div class=\"foogallery foogallery-container foogallery-carousel foogallery-lightbox-foobox fg-carousel fg-light fg-border-thin fg-shadow-outline fg-loading-default fg-loaded-fade-in fg-caption-hover fg-hover-fade fg-hover-zoom fg-ready\" id=\"foogallery-gallery-8457\" data-foogallery=\"{&quot;item&quot;:{&quot;showCaptionTitle&quot;:true,&quot;showCaptionDescription&quot;:true},&quot;lazy&quot;:true,&quot;template&quot;:{&quot;maxItems&quot;:5,&quot;scale&quot;:0.18,&quot;gutter&quot;:{&quot;min&quot;:-40,&quot;max&quot;:-40,&quot;unit&quot;:&quot;%&quot;},&quot;autoplay&quot;:{&quot;time&quot;:3,&quot;interaction&quot;:&quot;pause&quot;},&quot;centerOnClick&quot;:false}}\" >\r\n\t<button type=\"button\" class=\"fg-carousel-prev\"><\/button>\r\n\t<div class=\"fg-carousel-inner\">\r\n\t\t<div class=\"fg-carousel-center\"><\/div>\r\n\t\t<div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-1.jpeg\" data-attachment-id=\"8498\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-1\/3823035792.jpeg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a 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href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-16.jpeg\" data-attachment-id=\"8513\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-16\/2501221153.jpeg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div><div class=\"fg-item fg-type-image fg-idle\"><figure class=\"fg-item-inner\"><a 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href=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-18.jpeg\" data-attachment-id=\"8515\" class=\"fg-thumb\"><span class=\"fg-image-wrap\"><img decoding=\"async\" width=\"400\" height=\"300\" class=\"skip-lazy fg-image\" data-src-fg=\"https:\/\/assemblee-nationale.bj\/wp-content\/uploads\/cache\/2024\/05\/Affacturage-r\u00e9pression-de-lusure-et-r\u00e9glementation-bancaire-18\/2276831499.jpeg\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22400%22%20height%3D%22300%22%20viewBox%3D%220%200%20400%20300%22%3E%3C%2Fsvg%3E\" loading=\"eager\"><\/span><span class=\"fg-image-overlay\"><\/span><\/a><figcaption class=\"fg-caption\"><div class=\"fg-caption-inner\"><\/div><\/figcaption><\/figure><div class=\"fg-loader\"><\/div><\/div>\t<\/div>\r\n\t<div class=\"fg-carousel-bottom\"><\/div>\r\n\t<div class=\"fg-carousel-progress\"><\/div>\r\n\t<button type=\"button\" class=\"fg-carousel-next\"><\/button>\r\n<\/div>\n<p>&nbsp;<\/p>\n<p>L&rsquo;Assembl\u00e9e nationale du B\u00e9nin a d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 en sa s\u00e9ance pl\u00e9ni\u00e8re de ce lundi 29 avril 2024 la loi No 2024-14 portant r\u00e9glementation bancaire en R\u00e9publique du B\u00e9nin. Ceci,  \u00e0 l&rsquo;unanimit\u00e9 ses d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s. C&rsquo;est aussi \u00e0 l&rsquo;unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s qu&rsquo;elle a d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 la loi No 2024-15 relative \u00e0 la d\u00e9finition et la r\u00e9pression de l&rsquo;usure en R\u00e9publique du B\u00e9nin et la loi No 2024-16 relative \u00e0 l&rsquo;activit\u00e9 d&rsquo;affacturage au B\u00e9nin.<\/p>\n<p>Avant de passer ces trois lois au vote, les d\u00e9put\u00e9s se sont pench\u00e9s sur les diff\u00e9rents rapports d\u00e9pos\u00e9s tant par la commission des finances et des \u00e9changes de l&rsquo;Assembl\u00e9e pr\u00e9sid\u00e9e par l&rsquo;honorable G\u00e9rard Gb\u00e9nonchi que par la Commission des lois que pr\u00e9side l&rsquo;honorable Orden Alladatin.<\/p>\n<p>La loi sur la r\u00e9glementation bancaire<\/p>\n<p>Selon le rapport de la Commission Gb\u00e9nonchi, la principale innovation d&rsquo;ordre structurel de la r\u00e9vision de la loi bancaire concerne l&rsquo;\u00e9diction d&rsquo;un seul acte juridique organisant l&rsquo;ensemble des aspects relatifs au statut de l&rsquo;\u00e9tablissement r\u00e9gis par cette loi, de l&rsquo;acc\u00e8s \u00e0 la sortie de ce statut en passant par le r\u00e9gime de contr\u00f4le applicable.<br \/>\nToujours selon le rapport, la loi bancaire a pour objet de r\u00e9gir l&rsquo;implantation, l&rsquo;exercice de l&rsquo;activit\u00e9 et le contr\u00f4le des entit\u00e9s assujettis op\u00e9rant sur le territoire de la R\u00e9publique du B\u00e9nin, leur r\u00e9solution ainsi que leur liquidation. Il pr\u00e9cise le r\u00e9gime applicable \u00e0 tous les \u00e9tablissements bancaires concern\u00e9s \u00e0 savoir : les \u00e9tablissements de cr\u00e9dit en l&rsquo;occurrence les banques et \u00e9tablissements financiers de cr\u00e9dit ; les \u00e9tablissements de paiement ; les \u00e9tablissements de monnaie \u00e9lectronique ; les holdings bancaires et les compagnies financi\u00e8res. \u00ab La loi r\u00e9vis\u00e9e r\u00e9gira d\u00e9sormais cinq cat\u00e9gories d&rsquo;\u00e9tablissements contre deux pour celle en vigueur \u00bb, pr\u00e9cise par ailleurs le rapport.<br \/>\nDu point de vue de la structuration, la loi portant r\u00e9glementation bancaire  en R\u00e9publique du B\u00e9nin est compos\u00e9e de 12 titres et de 258 articles r\u00e9partis en 30 chapitres&#8230;<\/p>\n<p>D\u00e9finition et r\u00e9pression de l&rsquo;usure<\/p>\n<p>Pour ce qui est de la loi sur la d\u00e9finition et la r\u00e9pression de l&rsquo;usure, elle comporte 14 articles r\u00e9partis en 03 chapitres.<br \/>\n \u00ab Le taux d&rsquo;usure en R\u00e9publique du B\u00e9nin est fix\u00e9 \u00e0 18 % pour les banques et 27 % pour les syst\u00e8mes financiers d\u00e9centralis\u00e9s \u00bb, peut-on lire dans le rapport pr\u00e9sent\u00e9 en pl\u00e9ni\u00e8re par la Commission des lois. Les d\u00e9put\u00e9s ont trouv\u00e9 pertinent le vote de cette loi qui est une transposition des dispositions communautaires dans l&rsquo;ordre juridique interne du B\u00e9nin. Ils ont toutefois plaid\u00e9 qu&rsquo;une bonne vulgarisation de cette loi soit faite afin de mettre \u00e0 l&rsquo;abri du danger plusieurs acteurs des milieux ruraux qui pratiquent des taux usuraires souvent en conflit avec la loi.<\/p>\n<p>L&rsquo;activit\u00e9 d&rsquo;affacturage<\/p>\n<p>La loi sur l&rsquo;affacturage adopt\u00e9e par les d\u00e9put\u00e9s est une internalisation de la loi uniforme relative \u00e0 l&rsquo;affacturage adopt\u00e9e par d\u00e9cision No023\/CM\/UMOA du 10 d\u00e9cembre 2020 par le conseil des ministres de ladite institution. Cette loi a pour objectif de favoriser le d\u00e9veloppement de l&rsquo;affacturage en tant qu&rsquo;offre de financement adapt\u00e9e aux probl\u00e8mes de tr\u00e9sorerie des entreprises et particuliers, des petites et moyennes entreprises. L&rsquo;affacturage, selon le rapport de la Commission Gb\u00e9nonchi, permet \u00e0 l&rsquo;entreprise de rendre ses cr\u00e9ances liquides et de r\u00e9cup\u00e9rer de la tr\u00e9sorerie. En outre, il permet de garantir la v\u00e9racit\u00e9, l&rsquo;exactitude et la confidentialit\u00e9 dans l&rsquo;utilisation autoris\u00e9e des informations destin\u00e9es \u00e0 assurer le paiement des factures vis-\u00e0-vis du client.<br \/>\nToujours selon la loi vot\u00e9e, l&rsquo;affacturage comporte plusieurs avantages, notamment la s\u00e9curisation et le financement du poste client qui constitue une des principales pr\u00e9occupations des entreprises&#8230;Cette loi s&rsquo;articule autour de 42 articles regroup\u00e9s en 07 titres.<br \/>\nAu cours des discussions, les d\u00e9put\u00e9s ont mis l&rsquo;accent sur la n\u00e9cessit\u00e9 d&rsquo;informer les entreprises nationales sur l&rsquo;activit\u00e9 d&rsquo;affacturage ; les pr\u00e9cisions sur les structures d&rsquo;appui sp\u00e9cialis\u00e9es dans la r\u00e9daction des contrats d&rsquo;affaires&#8230;<\/p>\n<p>El-Hadj Affissou Anonrin<\/p>\n<\/div>\n\t\t<\/div><\/div><\/div><div id=\"pgc-8551-1-2\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>L&rsquo;Assembl\u00e9e nationale du B\u00e9nin a d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 en sa s\u00e9ance pl\u00e9ni\u00e8re de ce lundi 29 avril 2024 la loi No 2024-14 portant r\u00e9glementation bancaire en R\u00e9publique du B\u00e9nin. Ceci,  \u00e0 l&rsquo;unanimit\u00e9 ses d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s. C&rsquo;est aussi \u00e0 l&rsquo;unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents et repr\u00e9sent\u00e9s qu&rsquo;elle a d\u00e9lib\u00e9r\u00e9 et adopt\u00e9 la loi No 2024-15 relative \u00e0 la d\u00e9finition et la r\u00e9pression de l&rsquo;usure en R\u00e9publique du B\u00e9nin et la loi No 2024-16 relative \u00e0 l&rsquo;activit\u00e9 d&rsquo;affacturage au B\u00e9nin. Avant de passer ces trois lois au vote, les d\u00e9put\u00e9s se sont pench\u00e9s sur les diff\u00e9rents rapports d\u00e9pos\u00e9s tant par la commission des finances et des \u00e9changes de l&rsquo;Assembl\u00e9e pr\u00e9sid\u00e9e par l&rsquo;honorable G\u00e9rard Gb\u00e9nonchi que par la Commission des lois que pr\u00e9side l&rsquo;honorable Orden Alladatin. Selon le rapport de la Commission Gb\u00e9nonchi, la principale innovation d&rsquo;ordre structurel de la r\u00e9vision de la loi bancaire concerne l&rsquo;\u00e9diction d&rsquo;un seul acte juridique organisant l&rsquo;ensemble des aspects relatifs au statut de l&rsquo;\u00e9tablissement r\u00e9gis par cette loi, de l&rsquo;acc\u00e8s \u00e0 la sortie de ce statut en passant par le r\u00e9gime de contr\u00f4le applicable. <\/p>\n","protected":false},"author":13,"featured_media":8562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-8551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"_links":{"self":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/8551","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/comments?post=8551"}],"version-history":[{"count":1,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/8551\/revisions"}],"predecessor-version":[{"id":8563,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/posts\/8551\/revisions\/8563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/media\/8562"}],"wp:attachment":[{"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/media?parent=8551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/categories?post=8551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assemblee-nationale.bj\/index.php\/wp-json\/wp\/v2\/tags?post=8551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}