{"id":876,"date":"2022-10-25T21:36:00","date_gmt":"2022-10-25T21:36:00","guid":{"rendered":"https:\/\/lepoint-actu.tg\/?p=876"},"modified":"2022-10-26T21:42:40","modified_gmt":"2022-10-26T21:42:40","slug":"togo-la-loi-uniforme-uemoa-sur-laffacturage-adoptee","status":"publish","type":"post","link":"https:\/\/lepoint-actu.tg\/index.php\/2022\/10\/25\/togo-la-loi-uniforme-uemoa-sur-laffacturage-adoptee\/","title":{"rendered":"Togo\u00a0: La loi uniforme UEMOA sur l\u2019affacturage adopt\u00e9e"},"content":{"rendered":"\n
La s\u00e9curit\u00e9 juridique des entreprises est davantage renforc\u00e9e avec le vote de la loi sur l\u2019activit\u00e9 d\u2019affacturage. En effet, \u00e0 l\u2019unanimit\u00e9 des d\u00e9put\u00e9s pr\u00e9sents, la repr\u00e9sentation nationale a adopt\u00e9 hier 25 octobre 2022, le projet de loi uniforme relative \u00e0 l\u2019activit\u00e9 d\u2019affacturage dans les Etats membres de l\u2019Union \u00e9conomique mon\u00e9taire ouest africaine (UMOA).<\/p>\n\n\n\n
C\u2019est au cours de la quatri\u00e8me s\u00e9ance pl\u00e9ni\u00e8re de la deuxi\u00e8me session ordinaire de l\u2019ann\u00e9e 2022 sous la pr\u00e9sidence de Mme Yawa Djigbodi Ts\u00e8gan, pr\u00e9sidente de l\u2019Assembl\u00e9e nationale en pr\u00e9sence de Sani Yaya, ministre de l\u2019Economie et des Finances et de Christian Trimua, ministre des Droits de l\u2019Homme, de la Formation \u00e0 la Citoyennet\u00e9, des Relations avec les Institutions de la R\u00e9publique, Porte-parole du gouvernement que le vote de ladite loi a eu lieu.<\/p>\n\n\n\nUne vue des d\u00e9put\u00e9s en plein vote<\/strong><\/em><\/figcaption><\/figure>\n\n\n\n
En effet, le contrat d\u2019affacturage est une op\u00e9ration de cr\u00e9dit qui permet \u00e0 une entreprise qualifi\u00e9e d\u2019adh\u00e9rent de confier la gestion de ses cr\u00e9ances \u00e0 une autre d\u00e9nomm\u00e9e factor ou affactureur (\u00e9tablissement de cr\u00e9dit, banque) afin de disposer de la liquidit\u00e9 pour mieux financer ses activit\u00e9s courantes.<\/p>\n\n\n\n
Ce contrat est soumis \u00e0 des conditions de validit\u00e9 et porte sur bien d\u2019autres aspects importants dont les modalit\u00e9s de transfert des cr\u00e9ances au factor, le recouvrement des cr\u00e9ances par le factor, la conclusion et les effets, l\u2019extinction ainsi que la r\u00e9mun\u00e9ration du contrat d\u2019affacturage. Ces aspects dits modalit\u00e9s pratiques de fonctionnement sont trait\u00e9s sur la base du droit commun des contrats et des textes de l\u2019OHADA, notamment l\u2019Acte Uniforme portant organisation des proc\u00e9dures simplifi\u00e9es de recouvrement et des voies d\u2019ex\u00e9cution et l\u2019Acte Uniforme portant organisation des suret\u00e9s.<\/p>\n\n\n\n
Cependant, ces textes ne tiennent pas suffisamment compte des sp\u00e9cificit\u00e9s de la r\u00e9glementation bancaire. Il appara\u00eet donc n\u00e9cessaire de prendre un texte sp\u00e9cifique pour r\u00e9gir ce type d\u2019op\u00e9rations afin notamment d\u2019en garantir la s\u00e9curit\u00e9 juridique, d\u2019o\u00f9 l\u2019adoption du pr\u00e9sent projet de loi.<\/p>\n\n\n\n
Cette s\u00e9curit\u00e9 juridique garantie est la r\u00e9sultante d\u2019un certain nombre d\u2019innovations qu\u2019il importe d\u2019\u00e9voquer en particulier les conditions de formation du contrat d\u2019affacturage \u00e0 savoir l\u2019objet du contrat, les droits et obligations de l\u2019\u00e9tablissement de cr\u00e9dit ou banque et de l\u2019adh\u00e9rent, la comptabilisation de l\u2019affacturage, la notion de responsabilit\u00e9 ; la v\u00e9racit\u00e9, l\u2019exactitude et la confidentialit\u00e9 dans l\u2019utilisation autoris\u00e9e des informations relatives au paiement des factures.<\/p>\n\n\n\n
Les innovations ainsi introduites procurent des avantages certains aussi bien aux entreprises qu\u2019aux \u00e9tablissements financiers.<\/p>\n\n\n\n
Pour les entreprises, l\u2019affacturage permet, entre autres, de financer rapidement leurs factures, de garantir les risques li\u00e9s aux impay\u00e9s, d\u2019externaliser la gestion du poste clients, afin de r\u00e9duire les d\u00e9lais de paiement.<\/p>\n\n\n\n
Par ailleurs, les entreprises dont les banques se montrent r\u00e9ticentes pour augmenter leur ligne de cr\u00e9dit peuvent recourir \u00e0 l\u2019affacturage, permettant de ce fait aux entreprises d\u2019acc\u00e9l\u00e9rer leur croissance \u00e9conomique.<\/p>\n\n\n\n
En ce qui concerne les \u00e9tablissements de cr\u00e9dit, l\u2019affacturage permet d\u2019augmenter leurs produits nets bancaires gr\u00e2ce aux diverses commissions encaiss\u00e9es, de fid\u00e9liser les clients, de conqu\u00e9rir des clients potentiels, avec des offres comp\u00e9titives et adapt\u00e9es.<\/p>\n\n\n\n
A l\u2019occasion, le ministre de l\u2019Economie et des Finances, M. Sani Yaya, a exprim\u00e9 la gratitude du gouvernement \u00e0 l\u2019endroit de la repr\u00e9sentation nationale.<\/p>\n\n\n\n
\u00ab Au-del\u00e0 des innovations et multiples avantages que procure le vote du pr\u00e9sent projet de loi, il assure la promotion et la s\u00e9curit\u00e9 de l\u2019op\u00e9ration d\u2019affacturage comme instrument solide de financement des tr\u00e8s petites, petites et moyennes entreprises \u00bb, a-t-il indiqu\u00e9.<\/p>\n\n\n\n
L\u2019occasion a \u00e9t\u00e9 pour la Pr\u00e9sidente de l\u2019Assembl\u00e9e nationale de saluer les efforts du gouvernement visant \u00e0 aider diverses cat\u00e9gories d\u2019entreprises \u00e0 faire face aux difficult\u00e9s de tr\u00e9sorerie.<\/p>\n\n\n\nPdte de l’Assembl\u00e9e nationale<\/strong><\/em>, Mme Yawa Ts\u00e9gan <\/strong><\/em><\/figcaption><\/figure>\n\n\n\n
\u00ab L\u2019offre de financement que constitue l\u2019affacturage est \u00e9tendue \u00e0 l\u2019ensemble des syst\u00e8mes financiers d\u00e9centralis\u00e9s. Il s\u2019agit d\u2019un outil \u00e9conomique pratique qui accompagnera \u00e0 court et \u00e0 moyen terme les tr\u00e8s petites, petites et moyennes entreprises \u00bb, a d\u00e9clar\u00e9 Yawa Djigbodi Ts\u00e8gan<\/p>\n\n\n\n
Selon les informations, seule la soci\u00e9t\u00e9 African Leasing Togo (ALT) op\u00e8re sur le march\u00e9 financier togolais \u00e0 titre d\u2019affactureur ou de factor aujourd\u2019hui.<\/p>\n\n\n\n
<\/p>\n\n\n\n
Ali Legrand<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"
La s\u00e9curit\u00e9 juridique des entreprises est davantage renforc\u00e9e avec le vote de la loi sur l\u2019activit\u00e9 d\u2019affacturage. En effet, \u00e0<\/p>\n","protected":false},"author":2,"featured_media":877,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politique"],"yoast_head":"\n
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