ACCES AU FINANCEMENT : Un bureau sur les informations de crédit en vue

La Banque centrale de Madagascar (BCM) va mettre en place prochainement un bureau sur les informations de crédits (BIC) pour les PME et les simples particuliers. Et ceci, à part le central de risque des institutions de micro finances qui est déjà en place pour ses gros clients. C’est une plateforme numérique qui va mettre à la disposition des banques primaires, des institutions de micro finances comme des grands magasins qui proposent des ventes à crédit, des informations concernant la solvabilité d’un client. Ce qui leur permettrait de connaître en temps réel si le client est oui ou non à risque, ou s’il a déjà des engagements envers d’autres banques, pour qu’ils puissent prendre des décisions par conséquences, a expliqué un responsable de la BCM, à Analakely, hier.
«Les informations qui seront fournies servent à rassurer les banques sur la solvabilité d’un client potentiel ou d’un futur client qui leur demande du crédit. Des informations concernant par exemple la capacité d’une personne à payer sa facture de la Jirama ou à payer son abonnement à une chaîne numérique. Nul besoin alors de demander des garanties car le BIC offre déjà une garantie de réputation. Puisque s’il est vérifié que la solvabilité de ce client est assurée, le taux de risque est minime», a-t-il souligné.
En effet, il est fréquent de voir que le taux d’intérêt imposé par les banques soit gonflé par un coût du risque élevé. Aussi ce coût du risque baisse une fois que les informations concernant un client sont maîtrisées. La mise en place de ce BIC consiste donc au final à alléger les procédures pour permettre à chaque particulier de demander du crédit et d’avoir une réponse très rapide, a-t-il poursuivi.
Quoi qu’il en soit, les informations concernant une personne ne seront délivrées qu’avec le consentement de cette dernière, suivant la loi 2014-038 portant protection des données à caractère professionnel.

Rado Andriamampandry

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