{"id":12107,"date":"2025-10-06T13:37:00","date_gmt":"2025-10-06T12:37:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=12107"},"modified":"2025-10-05T19:26:33","modified_gmt":"2025-10-05T18:26:33","slug":"benin-credits-bancaires-le-commerce-et-les-btp-concentrent-les-financements-au-deuxieme-trimestre-2025","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2025\/10\/06\/benin-credits-bancaires-le-commerce-et-les-btp-concentrent-les-financements-au-deuxieme-trimestre-2025\/","title":{"rendered":"B\u00e9nin \u2013 Cr\u00e9dits bancaires : le commerce et les BTP concentrent les financements au deuxi\u00e8me trimestre 2025"},"content":{"rendered":"\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Financement, La Marina BJ <\/mark><\/strong>&#8211;<strong><em> L\u2019app\u00e9tit pour le cr\u00e9dit reste vif au B\u00e9nin. Sur la p\u00e9riode avril-juin 2025, les \u00e9tablissements bancaires ont mobilis\u00e9 2 720 milliards de FCFA de pr\u00eats, selon les derni\u00e8res donn\u00e9es de la Banque Centrale des \u00c9tats de l\u2019Afrique de l\u2019Ouest (BCEAO). Derri\u00e8re cette masse financi\u00e8re, un constat limpide : le tissu productif b\u00e9ninois s\u2019appuie davantage sur le commerce, les services et les chantiers publics que sur les activit\u00e9s agricoles ou industrielles.<\/em><\/strong><\/p>\n\n\n\n<p>Le secteur Commerce, h\u00f4tellerie et restauration absorbe \u00e0 lui seul pr\u00e8s d\u2019un tiers des cr\u00e9dits de court terme, soit 245,73 milliards de FCFA \u00e0 fin juin 2025, dont 179,456 milliards sont destin\u00e9s au commerce de gros. Une domination qui s\u2019explique par la nature m\u00eame de l\u2019\u00e9conomie b\u00e9ninoise, centr\u00e9e sur le n\u00e9goce r\u00e9gional \u2013 Cotonou restant une plaque tournante pour les flux commerciaux entre le Nigeria, le Niger et le Togo.<\/p>\n\n\n\n<p>Cette dynamique illustre une vitalit\u00e9 entrepreneuriale certaine, mais aussi une fragilit\u00e9 structurelle : une forte d\u00e9pendance au commerce import-export, donc \u00e0 la conjoncture r\u00e9gionale et \u00e0 la sant\u00e9 du corridor Cotonou-Niamey, toujours affect\u00e9 par la crise diplomatique b\u00e9nino-nig\u00e9rienne.<\/p>\n\n\n\n<h2 id=\"les-btp-surfent-sur-linvestissement-public\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Les BTP surfent sur l\u2019investissement public<\/mark><\/h2>\n\n\n\n<p>Avec 111,656 milliards de FCFA de cr\u00e9dits de tr\u00e9sorerie et 305,9 milliards \u00e0 moyen et long termes, le secteur du b\u00e2timent et des travaux publics (BTP) s\u2019impose comme le second p\u00f4le bancaire du pays. Port\u00e9 par les programmes d\u2019infrastructures du Programme d\u2019Action du Gouvernement (PAG 2021-2026) \u2013 routes, ouvrages hydrauliques, logements sociaux \u2013, le BTP b\u00e9n\u00e9ficie d\u2019un flux constant de financements, preuve de la confiance du secteur bancaire dans la commande publique.<\/p>\n\n\n\n<p>Mais cette forte exposition au financement public pose question. \u00ab La soutenabilit\u00e9 de la dette interne et la capacit\u00e9 du secteur priv\u00e9 \u00e0 maintenir l\u2019activit\u00e9 une fois les projets d\u2019\u00c9tat ralentis restent des points de vigilance \u00bb, souligne notre sp\u00e9cialiste \u00e0 la r\u00e9daction.<\/p>\n\n\n\n<h2 id=\"les-services-financiers-et-immobiliers-dominent-le-long-terme\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Les services financiers et immobiliers dominent le long terme<\/mark><\/h2>\n\n\n\n<p>Sur le terrain des cr\u00e9dits \u00e0 moyen et long termes, le leadership revient \u00e9galement aux assurances, services aux entreprises et affaires immobili\u00e8res, avec 277,75 milliards de FCFA \u00e0 fin juin 2025.<br>\u00c0 cela s\u2019ajoute la mont\u00e9e en puissance des services collectifs et sociaux, qui totalisent 684,746 milliards de FCFA \u2013 un volume en progression continue, r\u00e9v\u00e9lateur de l\u2019ancrage des investissements dans les secteurs sociaux et institutionnels.<\/p>\n\n\n\n<p>Ce glissement du cr\u00e9dit vers le tertiaire traduit l\u2019\u00e9mergence d\u2019une \u00e9conomie de services, structur\u00e9e autour des p\u00f4les financiers, de l\u2019immobilier urbain et de l\u2019\u00e9conomie num\u00e9rique.<br>Selon notre sp\u00e9cialiste \u00e0 la r\u00e9daction, \u00ab Il confirme \u00e9galement la solidit\u00e9 du syst\u00e8me bancaire b\u00e9ninois, dont la distribution de cr\u00e9dits demeure stable, bien diversifi\u00e9e et align\u00e9e sur les priorit\u00e9s \u00e9conomiques du pays. \u00bb<\/p>\n\n\n\n<h2 id=\"lagriculture-eternelle-promesse-du-financement-inclusif\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">L\u2019agriculture : \u00e9ternelle promesse du financement inclusif<\/mark><\/h2>\n\n\n\n<p>En revanche, l\u2019agriculture, la sylviculture et la p\u00eache stagnent autour de 53 milliards de FCFA, tant en court qu\u2019en long terme. Une proportion marginale \u2013 \u00e0 peine 3 % des encours totaux \u2013 malgr\u00e9 les multiples dispositifs de financement agricole mis en place ces derni\u00e8res ann\u00e9es par le gouvernement du pr\u00e9sident Patrice Talon.<\/p>\n\n\n\n<p>Ce faible acc\u00e8s au cr\u00e9dit reste le point faible d\u2019une \u00e9conomie o\u00f9 pr\u00e8s de 70 % de la population active d\u00e9pend encore du monde rural. \u00ab Les banques invoquent souvent la faible bancarisation, la saisonnalit\u00e9 des revenus et l\u2019absence de garanties fiables \u00bb, explique notre sp\u00e9cialiste \u00e0 la r\u00e9daction, tandis que le gouvernement tente, via le Fonds National de D\u00e9veloppement Agricole (FNDA) et les m\u00e9canismes de garantie, de r\u00e9concilier finance et agriculture.<\/p>\n\n\n\n<p>En agr\u00e9geant les chiffres, la BCEAO dessine le portrait d\u2019un pays en pleine transformation, o\u00f9 la bancarisation progresse mais reste concentr\u00e9e sur les segments solvables. Le financement refl\u00e8te ainsi un capitalisme b\u00e9ninois \u00e0 deux vitesses. D\u2019un c\u00f4t\u00e9, des secteurs urbains formalis\u00e9s (commerce, immobilier, BTP) qui attirent massivement les capitaux ; de l\u2019autre, un secteur primaire essentiel mais toujours \u00e0 la p\u00e9riph\u00e9rie du syst\u00e8me bancaire.<\/p>\n","protected":false},"excerpt":{"rendered":"Financement, La Marina BJ &#8211; L\u2019app\u00e9tit pour le cr\u00e9dit reste vif au B\u00e9nin. Sur la p\u00e9riode avril-juin 2025,&hellip;\n","protected":false},"author":10,"featured_media":11426,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[110,191],"tags":[379,41,1722],"class_list":{"0":"post-12107","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-en-savoir-plus-2","9":"tag-bceao","10":"tag-benin","11":"tag-credit-bancaire","12":"cs-entry","13":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u00e9nin \u2013 Cr\u00e9dits bancaires : le commerce et les BTP concentrent les financements au deuxi\u00e8me trimestre 2025 - 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