{"id":1311,"date":"2026-09-22T09:01:44","date_gmt":"2026-09-22T09:01:44","guid":{"rendered":"https:\/\/iicp.campusdumonde.org\/?p=1311"},"modified":"2026-09-22T09:07:58","modified_gmt":"2026-09-22T09:07:58","slug":"analyse-financiere-credit-bancaire-methode-en-5-etapes","status":"publish","type":"post","link":"https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/","title":{"rendered":"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1311\" class=\"elementor elementor-1311\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d8b6757 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d8b6757\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7b7cbf\" data-id=\"f7b7cbf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5361d56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5361d56\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2eabde4\" data-id=\"2eabde4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a08ba86 elementor-widget elementor-widget-page-title\" data-id=\"a08ba86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\n\t\t<div class=\"hfe-page-title hfe-page-title-wrapper elementor-widget-heading\">\n\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/iicp.campusdumonde.org\/en\">\n\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\n\t\t\t\t\t\t\t\t\n\t\t\t\tAnalyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC  \n\t\t\t<\/h2> \n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eb7794 elementor-widget elementor-widget-image\" data-id=\"5eb7794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365-1024x682.jpg\" class=\"attachment-large size-large wp-image-1318\" alt=\"Formation certifiante cr\u00e9dit bancaire et analyse financi\u00e8re\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33e345bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33e345bb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49c4c358\" data-id=\"49c4c358\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5aa5282b elementor-widget elementor-widget-text-editor\" data-id=\"5aa5282b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"margin-bottom: 7.5pt;\">Accorder un cr\u00e9dit \u00e0 une PME en Afrique centrale n\u2019a jamais \u00e9t\u00e9 simple. Mais face \u00e0 une r\u00e9glementation qui s&rsquo;est durcie, \u00e0 la digitalisation implacable des contr\u00f4les fiscaux et \u00e0 un taux de cr\u00e9ances en souffrance qui atteint 17,4 % de l&rsquo;encours des banques en zone CEMAC \u00e0 fin mars 2025 selon la BEAC, le faire sans m\u00e9thode structur\u00e9e n&rsquo;est plus tenable. Entre une comptabilit\u00e9 partiellement informelle, des d\u00e9clarations fiscales optimis\u00e9es et une tr\u00e9sorerie difficile \u00e0 reconstituer, le risque de contrepartie se cache souvent l\u00e0 o\u00f9 les ratios financiers ne le r\u00e9v\u00e8lent pas. La ma\u00eetrise d\u2019un cadre r\u00e9glementaire \u00e0 plusieurs niveaux (SYSCOHADA, droit OHADA, r\u00e8gles prudentielles COBAC ou BCEAO, norme internationale IFRS 9) est d\u00e9sormais incontournable. C\u2019est le d\u00e9fi que tout analyste cr\u00e9dit ou charg\u00e9 de client\u00e8le doit relever pour s\u00e9curiser ses d\u00e9cisions.<br \/><br \/><\/p><h4><strong><em>Pourquoi le Risque de Contrepartie Est-il Devenu Plus Difficile \u00e0 \u00c9valuer en Zone CEMAC-UEMOA ?)<\/em><\/strong><\/h4><p>Les charg\u00e9s de client\u00e8le et analystes cr\u00e9dit des banques et \u00e9tablissements de microfinance font face \u00e0 des obstacles r\u00e9currents :<\/p><ul><li><b>Des \u00e9tats financiers peu fiables<\/b> : la D\u00e9claration Statistique et Fiscale (DSF) refl\u00e8te rarement l&rsquo;activit\u00e9 r\u00e9elle d&rsquo;une PME \u00e9voluant en partie dans l&rsquo;informel.<\/li><li><b>Une double exigence de provisionnement <\/b>: les r\u00e8glements prudentiels r\u00e9gionaux (COBAC R-2016\/04 et R-98\/02 en zone CEMAC, instructions BCEAO en zone UEMOA) et la norme internationale IFRS 9 reposent sur des logiques de classification diff\u00e9rentes, \u00e0 documenter toutes les deux.<\/li><li><b>Des s\u00fbret\u00e9s parfois inopposables <\/b>: une garantie mal formalis\u00e9e au regard du droit OHADA (d\u00e9faut d&rsquo;inscription au RCCM, vice de forme) perd sa valeur juridique au moment o\u00f9 l&rsquo;\u00e9tablissement en a le plus besoin.<\/li><li><b>Un recouvrement long et co\u00fbteux<\/b> : l&rsquo;Acte Uniforme portant Proc\u00e9dures Simplifi\u00e9es de Recouvrement et Voies d&rsquo;Ex\u00e9cution (AUPSRVE), r\u00e9vis\u00e9 en 2023, encadre des d\u00e9lais et des co\u00fbts qui doivent \u00eatre anticip\u00e9s d\u00e8s la structuration du cr\u00e9dit.<\/li><\/ul><h4><strong><em>La M\u00e9thode en 5 \u00c9tapes pour Analyser et S\u00e9curiser un Dossier de Cr\u00e9dit<\/em><\/strong><\/h4><h6><b>1. Retraiter les \u00e9tats financiers sous SYSCOHADA R\u00e9vis\u00e9<\/b>\u00a0<\/h6><p>Avant tout calcul de ratio, l&rsquo;analyste audite la coh\u00e9rence de la DSF avec les d\u00e9clarations de TVA, les douanes et les cotisations sociales, puis retraite les postes bancaires classiques (cr\u00e9dit-bail, effets escompt\u00e9s non \u00e9chus, comptes courants d&rsquo;associ\u00e9s) pour reconstituer un Fonds de Roulement Net Global, un Besoin en Fonds de Roulement et une Tr\u00e9sorerie Nette fiables. Lorsque l&rsquo;entreprise \u00e9volue en partie dans l&rsquo;informel, la tr\u00e9sorerie r\u00e9elle se reconstitue plut\u00f4t \u00e0 partir des relev\u00e9s bancaires, des livres de caisse et de la rotation des stocks.<\/p><h6>2. \u00c9valuer le risque avec la m\u00e9thode des 5C et le scoring\u00a0<\/h6><p>Character, Capacity, Capital, Collateral, Conditions restent la grille de lecture qualitative de r\u00e9f\u00e9rence, compl\u00e9t\u00e9e par une grille de scoring combinant variables financi\u00e8res et qualitatives. Les bailleurs r\u00e9gionaux et internationaux attendent d\u00e9sormais l&rsquo;int\u00e9gration progressive des risques environnementaux, sociaux et de gouvernance (ESG). La d\u00e9cision se prend en comit\u00e9 de cr\u00e9dit, o\u00f9 l&rsquo;analyste d\u00e9fend la capacit\u00e9 de remboursement (DSCR, ICR) et n\u00e9gocie, si n\u00e9cessaire, les covenants du financement.<\/p><h6>3. S\u00e9curiser l&rsquo;engagement par les s\u00fbret\u00e9s OHADA\u00a0<\/h6><p>Cautionnement, garantie autonome, nantissement, hypoth\u00e8que : chaque s\u00fbret\u00e9 doit \u00eatre r\u00e9dig\u00e9e, notari\u00e9e et inscrite au Registre du Commerce et du Cr\u00e9dit Mobilier pour rester opposable en cas de d\u00e9faillance. Les fonds de garantie r\u00e9gionaux (FAGACE, FSA, dispositif ARIZ) peuvent \u00e9galement partager le risque sur certains financements.<\/p><h6>4. Provisionner selon deux logiques compl\u00e9mentaires\u00a0<\/h6><p>Les r\u00e8glements prudentiels r\u00e9gionaux distinguent cr\u00e9ances saines, pr\u00e9-douteuses, douteuses et litigieuses, tandis que la norme IFRS 9 raisonne en pertes attendues (Expected Credit Loss) selon un mod\u00e8le \u00e0 trois compartiments. Un \u00e9tablissement op\u00e9rant sous les deux r\u00e9f\u00e9rentiels doit documenter ses provisions dans les deux logiques, qui ne convergent pas toujours.<\/p><h6>5. Recouvrer, de l&rsquo;amiable au contentieux<\/h6><p>Face \u00e0 un d\u00e9biteur d\u00e9faillant, la n\u00e9gociation amiable (moratoire, r\u00e9\u00e9chelonnement) reste la premi\u00e8re option. \u00c0 d\u00e9faut, l&rsquo;AUPSRVE r\u00e9vis\u00e9 encadre l&rsquo;injonction de payer puis les voies d&rsquo;ex\u00e9cution forc\u00e9e (saisie-attribution, saisie-vente, saisie immobili\u00e8re), dont les d\u00e9lais et les co\u00fbts doivent \u00eatre anticip\u00e9s d\u00e8s la structuration initiale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8862510 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8862510\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bb54df3\" data-id=\"bb54df3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b285a1 elementor-widget elementor-widget-text-editor\" data-id=\"9b285a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><em><span style=\"color: #064353;\">Illustration &#8211; Sc\u00e9nario p\u00e9dagogique, sans lien avec un dossier r\u00e9el<\/span><\/em><\/h6><p><em>Une PME de distribution sollicite une facilit\u00e9 de caisse pour honorer un march\u00e9 public de fourniture. L&rsquo;analyste retraite la DSF, identifie un \u00e9cart entre le chiffre d&rsquo;affaires d\u00e9clar\u00e9 et les mouvements bancaires r\u00e9els, et ajuste son scoring en cons\u00e9quence. La facilit\u00e9 est finalement accord\u00e9e sous condition d&rsquo;une cession de cr\u00e9ance sur le d\u00e9compte du march\u00e9 et d&rsquo;un nantissement compl\u00e9mentaire, une structuration typique des financements adoss\u00e9s \u00e0 la commande publique.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad2d73 elementor-widget elementor-widget-text-editor\" data-id=\"2ad2d73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Pourquoi se Former \u00e0 l&rsquo;Analyse de Cr\u00e9dit avec l&rsquo;IICP ?<\/h4><p>Ma\u00eetriser cette m\u00e9thode de bout en bout demande une pratique guid\u00e9e, pas seulement une lecture. La formation Cr\u00e9dit Bancaire, Analyse Financi\u00e8re &amp; Gestion du Risque de Contrepartie (CBAFGRC) de l&rsquo;IICP est con\u00e7ue pour cela :<\/p><ul><li>100 % \u00e0 distance, 100 heures sur 12 semaines : classes virtuelles, ateliers Excel et simulation de comit\u00e9 de cr\u00e9dit, compatibles avec une activit\u00e9 professionnelle \u00e0 temps plein.<\/li><li>Con\u00e7ue pour la r\u00e9alit\u00e9 CEMAC-UEMOA : SYSCOHADA R\u00e9vis\u00e9, droit OHADA, COBAC\/BCEAO et IFRS 9 sont trait\u00e9s ensemble, pas comme des blocs th\u00e9oriques s\u00e9par\u00e9s.<\/li><li>Certification reconnue : Certificat de Comp\u00e9tences Professionnelles d\u00e9livr\u00e9 (CQP MINEFOP\/IICP).<\/li><\/ul><p><strong>Public concern\u00e9 : <\/strong>charg\u00e9s de client\u00e8le et analystes cr\u00e9dit juniors, contr\u00f4leurs internes et auditeurs bancaires, gestionnaires de recouvrement, dipl\u00f4m\u00e9s Bac+3\/5 en banque, finance ou comptabilit\u00e9 souhaitant une employabilit\u00e9 op\u00e9rationnelle imm\u00e9diate.<\/p><p>Ma\u00eetriser l&rsquo;analyse de cr\u00e9dit dans un contexte CEMAC-UEMOA n&rsquo;est plus un atout diff\u00e9renciant : c&rsquo;est une comp\u00e9tence de base attendue par les banques, les \u00e9tablissements de microfinance et les bailleurs de fonds. La formation CBAFGRC de l&rsquo;IICP permet d&rsquo;acqu\u00e9rir cette ma\u00eetrise de bout en bout, de l&rsquo;audit de la DSF jusqu&rsquo;au recouvrement, en 100 heures pleinement orient\u00e9es vers la pratique.<\/p><h6>Prochaine rentr\u00e9e : 16 novembre 2026. Inscriptions jusqu&rsquo;au 9 novembre 2026<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9852942 elementor-widget elementor-widget-spacer\" data-id=\"9852942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2842db1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2842db1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-25391a9\" data-id=\"25391a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f730c05 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f730c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/formation-credit-bancaire-analyse-financiere-risque-contrepartie-cameroun\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00c9COUVRIR LA FORMATION CBAFGRC<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-635ba49 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"635ba49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/formation-credit-bancaire-analyse-financiere-risque-contrepartie-cameroun\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">NOUS CONTACTER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d186632 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d186632\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a5a86\" data-id=\"72a5a86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01a0b8e elementor-widget elementor-widget-shortcode\" data-id=\"01a0b8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"heateor_sss_sharing_container heateor_sss_vertical_sharing heateor_sss_hide_sharing heateor_sss_bottom_sharing\" data-heateor-ss-offset=\"0\" data-heateor-sss-href='https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/'style=\"-webkit-box-shadow:none;box-shadow:none;left: 0px; top: 100px;width:34px;\"><div class=\"heateor_sss_sharing_ul\"><a aria-label=\"Facebook\" class=\"heateor_sss_facebook\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fiicp.campusdumonde.org%2Fen%2Fanalyse-financiere-credit-bancaire-methode-en-5-etapes%2F\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" style=\"background-color:#0765FE;width:30px;height:30px;border-radius:999px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;border-radius:999px;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\"><path fill=\"#fff\" d=\"M28 16c0-6.627-5.373-12-12-12S4 9.373 4 16c0 5.628 3.875 10.35 9.101 11.647v-7.98h-2.474V16H13.1v-1.58c0-4.085 1.849-5.978 5.859-5.978.76 0 2.072.15 2.608.298v3.325c-.283-.03-.775-.045-1.386-.045-1.967 0-2.728.745-2.728 2.683V16h3.92l-.673 3.667h-3.247v8.245C23.395 27.195 28 22.135 28 16Z\"><\/path><\/svg><\/span><\/a><a aria-label=\"X\" class=\"heateor_sss_button_x\" href=\"https:\/\/twitter.com\/intent\/tweet?text=Analyse%20Financi%C3%A8re%20et%20Cr%C3%A9dit%20Bancaire%20%3A%20la%20M%C3%A9thode%20en%205%20%C3%89tapes%20pour%20S%C3%A9curiser%20un%20Dossier%20en%20Zone%20CEMAC-UEMOA&url=https%3A%2F%2Fiicp.campusdumonde.org%2Fen%2Fanalyse-financiere-credit-bancaire-methode-en-5-etapes%2F\" title=\"X\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg heateor_sss_s__default heateor_sss_s_x\" style=\"background-color:#2a2a2a;width:30px;height:30px;border-radius:999px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg width=\"100%\" height=\"100%\" style=\"display:block;border-radius:999px;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 32 32\"><path fill=\"#fff\" d=\"M21.751 7h3.067l-6.7 7.658L26 25.078h-6.172l-4.833-6.32-5.531 6.32h-3.07l7.167-8.19L6 7h6.328l4.37 5.777L21.75 7Zm-1.076 16.242h1.7L11.404 8.74H9.58l11.094 14.503Z\"><\/path><\/svg><\/span><\/a><a aria-label=\"Linkedin\" class=\"heateor_sss_button_linkedin\" href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fiicp.campusdumonde.org%2Fen%2Fanalyse-financiere-credit-bancaire-methode-en-5-etapes%2F\" title=\"Linkedin\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg heateor_sss_s__default heateor_sss_s_linkedin\" style=\"background-color:#0077b5;width:30px;height:30px;border-radius:999px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;border-radius:999px;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"0 0 32 32\"><path d=\"M6.227 12.61h4.19v13.48h-4.19V12.61zm2.095-6.7a2.43 2.43 0 0 1 0 4.86c-1.344 0-2.428-1.09-2.428-2.43s1.084-2.43 2.428-2.43m4.72 6.7h4.02v1.84h.058c.56-1.058 1.927-2.176 3.965-2.176 4.238 0 5.02 2.792 5.02 6.42v7.395h-4.183v-6.56c0-1.564-.03-3.574-2.178-3.574-2.18 0-2.514 1.7-2.514 3.46v6.668h-4.187V12.61z\" fill=\"#fff\"><\/path><\/svg><\/span><\/a><a aria-label=\"Whatsapp\" class=\"heateor_sss_whatsapp\" href=\"https:\/\/api.whatsapp.com\/send?text=%20-%20Boostez%20vos%20comp%C3%A9tences%20en%20march%C3%A9s%20publics%20https%3A%2F%2Fiicp.campusdumonde.org%2Fen%2Fanalyse-financiere-credit-bancaire-methode-en-5-etapes%2F\" title=\"Whatsapp\" rel=\"nofollow noopener\" target=\"_blank\" style=\"font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle\"><span class=\"heateor_sss_svg\" style=\"background-color:#55eb4c;width:30px;height:30px;border-radius:999px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box\"><svg style=\"display:block;border-radius:999px;\" focusable=\"false\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"100%\" height=\"100%\" viewbox=\"-6 -5 40 40\"><path class=\"heateor_sss_svg_stroke heateor_sss_no_fill\" stroke=\"#fff\" stroke-width=\"2\" fill=\"none\" d=\"M 11.579798566743314 24.396926207859085 A 10 10 0 1 0 6.808479557110079 20.73576436351046\"><\/path><path d=\"M 7 19 l -1 6 l 6 -1\" class=\"heateor_sss_no_fill heateor_sss_svg_stroke\" stroke=\"#fff\" stroke-width=\"2\" fill=\"none\"><\/path><path d=\"M 10 10 q -1 8 8 11 c 5 -1 0 -6 -1 -3 q -4 -3 -5 -5 c 4 -2 -1 -5 -1 -4\" fill=\"#fff\"><\/path><\/svg><\/span><\/a><\/div><div class=\"heateorSssClear\"><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Accorder un cr\u00e9dit \u00e0 une PME en Afrique centrale n\u2019a jamais \u00e9t\u00e9 simple. Mais face \u00e0 une r\u00e9glementation qui s\u2019est durcie, \u00e0 la digitalisation implacable des contr\u00f4les fiscaux et \u00e0 un taux de cr\u00e9ances en souffrance qui atteint 17,4 % de l\u2019encours des banques en zone CEMAC \u00e0 fin mars 2025&#8230;<\/p>","protected":false},"author":1,"featured_media":1318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Analyse Financi\u00e8re Cr\u00e9dit Bancaire : M\u00e9thode en 5 \u00c9tapes<\/title>\n<meta name=\"description\" content=\"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes, de la DSF aux s\u00fbret\u00e9s OHADA. Formation IICP.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC-UEMOA\" \/>\n<meta property=\"og:description\" content=\"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes (SYSCOHADA, s\u00fbret\u00e9s OHADA, IFRS 9, AUPSRVE) et la formation CBAFGRC de l&#039;IICP.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-22T09:01:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-22T09:07:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"IICP\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC-UEMOA\" \/>\n<meta name=\"twitter:description\" content=\"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes (SYSCOHADA, s\u00fbret\u00e9s OHADA, IFRS 9, AUPSRVE) et la formation CBAFGRC de l&#039;IICP.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"IICP\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/\"},\"author\":{\"name\":\"IICP\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/#\\\/schema\\\/person\\\/76d6a43a00d610c641f35055ee8da43c\"},\"headline\":\"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC\",\"datePublished\":\"2026-09-22T09:01:44+00:00\",\"dateModified\":\"2026-09-22T09:07:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/\"},\"wordCount\":1103,\"image\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pexels-rdne-8124365.jpg\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/\",\"url\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/\",\"name\":\"Analyse Financi\u00e8re Cr\u00e9dit Bancaire : M\u00e9thode en 5 \u00c9tapes\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pexels-rdne-8124365.jpg\",\"datePublished\":\"2026-09-22T09:01:44+00:00\",\"dateModified\":\"2026-09-22T09:07:58+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/#\\\/schema\\\/person\\\/76d6a43a00d610c641f35055ee8da43c\"},\"description\":\"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes, de la DSF aux s\u00fbret\u00e9s OHADA. Formation IICP.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#primaryimage\",\"url\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pexels-rdne-8124365.jpg\",\"contentUrl\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/pexels-rdne-8124365.jpg\",\"width\":1280,\"height\":853,\"caption\":\"Formation certifiante cr\u00e9dit bancaire et analyse financi\u00e8re\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/analyse-financiere-credit-bancaire-methode-en-5-etapes\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/#website\",\"url\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/\",\"name\":\"\",\"description\":\"Boostez vos comp\u00e9tences en march\u00e9s publics\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/#\\\/schema\\\/person\\\/76d6a43a00d610c641f35055ee8da43c\",\"name\":\"IICP\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g\",\"caption\":\"IICP\"},\"url\":\"https:\\\/\\\/iicp.campusdumonde.org\\\/en\\\/author\\\/iicp\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Analyse Financi\u00e8re Cr\u00e9dit Bancaire : M\u00e9thode en 5 \u00c9tapes","description":"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes, de la DSF aux s\u00fbret\u00e9s OHADA. Formation IICP.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/","og_locale":"en_GB","og_type":"article","og_title":"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC-UEMOA","og_description":"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes (SYSCOHADA, s\u00fbret\u00e9s OHADA, IFRS 9, AUPSRVE) et la formation CBAFGRC de l'IICP.","og_url":"https:\/\/iicp.campusdumonde.org\/en\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/","article_published_time":"2026-09-22T09:01:44+00:00","article_modified_time":"2026-09-22T09:07:58+00:00","og_image":[{"width":1280,"height":853,"url":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","type":"image\/jpeg"}],"author":"IICP","twitter_card":"summary_large_image","twitter_title":"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC-UEMOA","twitter_description":"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes (SYSCOHADA, s\u00fbret\u00e9s OHADA, IFRS 9, AUPSRVE) et la formation CBAFGRC de l'IICP.","twitter_image":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","twitter_misc":{"Written by":"IICP","Estimated reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#article","isPartOf":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/"},"author":{"name":"IICP","@id":"https:\/\/iicp.campusdumonde.org\/#\/schema\/person\/76d6a43a00d610c641f35055ee8da43c"},"headline":"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC","datePublished":"2026-09-22T09:01:44+00:00","dateModified":"2026-09-22T09:07:58+00:00","mainEntityOfPage":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/"},"wordCount":1103,"image":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#primaryimage"},"thumbnailUrl":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","articleSection":["Uncategorized"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/","url":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/","name":"Analyse Financi\u00e8re Cr\u00e9dit Bancaire : M\u00e9thode en 5 \u00c9tapes","isPartOf":{"@id":"https:\/\/iicp.campusdumonde.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#primaryimage"},"image":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#primaryimage"},"thumbnailUrl":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","datePublished":"2026-09-22T09:01:44+00:00","dateModified":"2026-09-22T09:07:58+00:00","author":{"@id":"https:\/\/iicp.campusdumonde.org\/#\/schema\/person\/76d6a43a00d610c641f35055ee8da43c"},"description":"Comment analyser et s\u00e9curiser un dossier de cr\u00e9dit en zone CEMAC-UEMOA : la m\u00e9thode en 5 \u00e9tapes, de la DSF aux s\u00fbret\u00e9s OHADA. Formation IICP.","breadcrumb":{"@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#primaryimage","url":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","contentUrl":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","width":1280,"height":853,"caption":"Formation certifiante cr\u00e9dit bancaire et analyse financi\u00e8re"},{"@type":"BreadcrumbList","@id":"https:\/\/iicp.campusdumonde.org\/analyse-financiere-credit-bancaire-methode-en-5-etapes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iicp.campusdumonde.org\/"},{"@type":"ListItem","position":2,"name":"Analyse Financi\u00e8re et Cr\u00e9dit Bancaire : la M\u00e9thode en 5 \u00c9tapes pour S\u00e9curiser un Dossier en Zone CEMAC"}]},{"@type":"WebSite","@id":"https:\/\/iicp.campusdumonde.org\/#website","url":"https:\/\/iicp.campusdumonde.org\/","name":"","description":"Boostez vos comp\u00e9tences en march\u00e9s publics","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iicp.campusdumonde.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/iicp.campusdumonde.org\/#\/schema\/person\/76d6a43a00d610c641f35055ee8da43c","name":"IICP","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/98ac287e5185fbaa7dc9cce50281d4116d88a77045032f0ffed97cbe0d46cfea?s=96&d=mm&r=g","caption":"IICP"},"url":"https:\/\/iicp.campusdumonde.org\/en\/author\/iicp\/"}]}},"jetpack_featured_media_url":"https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg","rttpg_featured_image_url":{"full":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false],"landscape":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false],"portraits":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false],"thumbnail":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365-150x150.jpg",150,150,true],"medium":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365-300x200.jpg",300,200,true],"large":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365-1024x682.jpg",1024,682,true],"1536x1536":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false],"2048x2048":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false],"trp-custom-language-flag":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365-18x12.jpg",18,12,true],"mailpoet_newsletter_max":["https:\/\/iicp.campusdumonde.org\/wp-content\/uploads\/2026\/09\/pexels-rdne-8124365.jpg",1280,853,false]},"rttpg_author":{"display_name":"IICP","author_link":"https:\/\/iicp.campusdumonde.org\/en\/author\/iicp\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/iicp.campusdumonde.org\/en\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","rttpg_excerpt":"Accorder un cr\u00e9dit \u00e0 une PME en Afrique centrale n\u2019a jamais \u00e9t\u00e9 simple. Mais face \u00e0 une r\u00e9glementation qui s\u2019est durcie, \u00e0 la digitalisation implacable des contr\u00f4les fiscaux et \u00e0 un taux de cr\u00e9ances en souffrance qui atteint 17,4 % de l\u2019encours des banques en zone CEMAC \u00e0 fin mars 2025...","_links":{"self":[{"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/posts\/1311","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/comments?post=1311"}],"version-history":[{"count":19,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/posts\/1311\/revisions"}],"predecessor-version":[{"id":1331,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/posts\/1311\/revisions\/1331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/media\/1318"}],"wp:attachment":[{"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/media?parent=1311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/categories?post=1311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iicp.campusdumonde.org\/en\/wp-json\/wp\/v2\/tags?post=1311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}