RÈGLEMENTATION DU SYSTÈME BANCAIRE ET EXCLUSION FINANCIÈRE AU CAMEROUN

Abstract

This study aims to analyze the contribution of banking sector regulation to financial exclusion in Cameroon.This analysis shows that regulatory obstacles affect both the supply and demand for banking services. The relatively large number of regulatory systems is the main obstacle for financial institutions. Likewise, the constraints in terms of minimum social capital, and solvency ratio imposed by COBAC, or those relating to the nature of financial institutions strongly dissuade potential investors from the sector.On the demand side, the still too high documentary requirements and the still high cost of services accentuate the exclusion of low-income people. Two manifestations, arising from compliance with these regulations, can be observed both in terms of the structure of the banking market and the behavior of financial institutions. If the first refers to the concentration of agencies in urban areas, especially in Douala and Yaounde, or in large urban centers characterized by a more solvent clientele, the second, relating to the inadequate supply of services, refers to the still very high costs of access to services and the conditions of access to these services deemed too restrictive.