{"id":22861,"date":"2022-03-22T20:22:10","date_gmt":"2022-03-22T20:22:10","guid":{"rendered":"https:\/\/www.africa-press.net\/senegal\/politique\/inclusion-financiere-les-recommandations-de-loqsf-au-secteur-bancaire"},"modified":"2022-03-22T22:26:14","modified_gmt":"2022-03-22T22:26:14","slug":"inclusion-financiere-les-recommandations-de-loqsf-au-secteur-bancaire","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/senegal\/economie\/inclusion-financiere-les-recommandations-de-loqsf-au-secteur-bancaire","title":{"rendered":"Inclusion financi\u00e8re\u00a0: les recommandations de l\u2019OQSF au secteur bancaire"},"content":{"rendered":"

Africa-Press – Senegal. <\/strong><\/span>L\u2019Observatoire de la qualit\u00e9 des services financiers, relevant plusieurs constats dans l\u2019exercice de sa mission, a fait dans son dernier rapport plusieurs recommandations relatives notamment au renforcement de la transparence de l\u2019information sur le cr\u00e9dit, pour une meilleure inclusion financi\u00e8re.<\/p>\n

\u2018\u2019Malgr\u00e9 la performance enregistr\u00e9e sur le secteur financier, refl\u00e9t\u00e9e par la bonne tenue de ses principaux agr\u00e9gats et l\u2019augmentation du nombre de points de services, il reste que le traitement et l\u2019analyse des informations collect\u00e9es et la m\u00e9diation ont permis de relever plusieurs constats portant sur la qualit\u00e9 des services, qui constituent des entraves \u00e0 l\u2019inclusion financi\u00e8re et \u00e0 la performance du secteur\u2019\u2019, note-t-il dans son rapport d\u2019activit\u00e9 pour l\u2019exercice 2021.<\/p>\n

L\u2019OQSF cite \u2018\u2019l\u2019insuffisance de la qualit\u00e9 de l\u2019information fournie sur les obligations et droits du client au moment de l\u2019ouverture et tout au long du fonctionnement du compte\u2019\u2019, ainsi que \u2018\u2019la r\u00e9currence des entraves tarifaires et non tarifaires (co\u00fbts, d\u00e9lais) li\u00e9es \u00e0 la mobilit\u00e9 des clients\u2019\u2019.<\/p>\n

S\u2019y ajoutent \u2018\u2019les retards r\u00e9currents not\u00e9s dans la r\u00e9ception de certains virements de pensions en provenance de la France, commun\u00e9ment appel\u00e9s \u2018virements BRED\u2019\u2018\u2019, et \u2018\u2019la pratique de d\u00e9signation par certains \u00e9tablissements de cr\u00e9dit d\u2019experts immobiliers non-inscrits au tableau de l\u2019ONES\u2019\u2019, l\u2019Ordre national des experts du S\u00e9n\u00e9gal.<\/p>\n

Pour lever ces contraintes, l\u2019OQSF recommande \u2018\u2019le renforcement de la transparence de l\u2019information sur le cr\u00e9dit (TEG, tableau d\u2019amortissement, conventions, etc.)\u2019\u2019.<\/p>\n

Il pr\u00e9conise aussi \u2018\u2019la poursuite de la rationalisation des co\u00fbts des services bancaires, \u00e0 travers l\u2019\u00e9largissement de la liste des services \u00e0 offrir \u00e0 titre mod\u00e9r\u00e9 aux frais d\u2019\u00e9tablissement de certificats d\u2019engagement et de non-engagement\u2019\u2019.<\/p>\n

L\u2019OQSF ajoute, parmi les actions \u00e0 mettre en \u0153uvre, \u2018\u2019la poursuite de la rationalisation des co\u00fbts des services bancaires \u00e0 travers l\u2019\u00e9largissement de la liste des services \u00e0 offrir \u00e0 titre mod\u00e9r\u00e9 aux frais d\u2019\u00e9tablissement de certificats d\u2019engagement et de non-engagement\u2019\u2019.<\/p>\n

De m\u00eame pr\u00e9conise-t-il \u2018\u2019la vulgarisation de l\u2019\u00e9ducation financi\u00e8re des usagers en langues nationales en privil\u00e9giant des canaux de communication de masse (sketchs, bandes dessin\u00e9es, radios communautaires, etc.)\u2019\u2019 et \u2018\u2019le renforcement de capacit\u00e9s des charg\u00e9s de compte en mati\u00e8re de commercialisation de produits de bancassurance\u2019\u2019.<\/p>\n

L\u2019OQSF, cr\u00e9\u00e9 en 2009, est charg\u00e9 du suivi de la qualit\u00e9 des services financiers offerts aux usagers et aux clients, et de la promotion de l\u2019inclusion financi\u00e8re des populations.<\/p>\n

La vulgarisation de l\u2019\u00e9ducation financi\u00e8re de masse, ainsi que la protection des clients et usagers \u00e0 travers le dispositif de m\u00e9diation financi\u00e8re, font \u00e9galement partie de ses missions.<\/p>\n

Pour plus d’informations et d’analyses sur la Senegal<\/a>, suivez Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Senegal. L\u2019Observatoire de la qualit\u00e9 des services financiers, relevant plusieurs constats dans l\u2019exercice de sa mission, a fait dans son dernier rapport plusieurs recommandations relatives notamment au renforcement de la transparence de l\u2019information sur le cr\u00e9dit, pour une meilleure inclusion financi\u00e8re. \u2018\u2019Malgr\u00e9 la performance enregistr\u00e9e sur le secteur financier, refl\u00e9t\u00e9e par la bonne […]<\/p>\n","protected":false},"author":82,"featured_media":22860,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,11,10],"tags":[43,47,44],"class_list":["post-22861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-homepage-french","category-toutes-les-actualites","tag-africa-press-2","tag-africa-press-senegal","tag-senegal-2"],"yoast_head":"\nInclusion financi\u00e8re\u00a0: les recommandations de l\u2019OQSF au secteur bancaire - 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