{"id":211,"date":"2018-08-18T03:40:23","date_gmt":"2018-08-18T01:40:23","guid":{"rendered":"http:\/\/localhost\/ctthemes\/onevo\/?p=211"},"modified":"2022-10-04T13:26:15","modified_gmt":"2022-10-04T11:26:15","slug":"le-divorce-en-droit-tunisien","status":"publish","type":"post","link":"https:\/\/www.gharblawfirm.com\/en\/2018\/08\/18\/le-divorce-en-droit-tunisien\/","title":{"rendered":"The foundations of the cashier\u2019s liability for arbitrary cutting of credit and the scope of compensation"},"content":{"rendered":"
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\u0643\u0645\u0627 \u0646\u0635 \u0627\u0644\u0641\u0635\u0644 243 \u0645.\u0627.\u0639 : “\u064a\u062c\u0628 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0645\u0639 \u062a\u0645\u0627\u0645 \u0627\u0644\u0623\u0645\u0627\u0646\u0629\u00a0 \u0648\u0644\u0627 \u064a\u0644\u0632\u0645 \u0645\u0627 \u0635\u0631\u062d \u0628\u0647\u00a0 \u0641\u0642\u0637 \u0628\u0644 \u064a\u0644\u0632\u0645 \u0643\u0644 \u0645\u0627 \u062a\u0631\u062a\u0628 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u00a0 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0623\u0648 \u0627\u0644\u0639\u0631\u0641 \u0623\u0648 \u0627\u0644\u0625\u0646\u0635\u0627\u0641 \u062d\u0633\u0628 \u0637\u0628\u064a\u0639\u062a\u0647”.<\/p>\n

\u062d\u064a\u062b \u0627\u0646\u0647 \u0623\u062b\u0646\u0627\u0621 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u062a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642 \u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0639\u062f\u064a\u062f \u0627\u0644\u0648\u0627\u062c\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062c\u062f \u0645\u0635\u062f\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0641\u0635\u0644 243 \u0645 .\u0625.\u0639. \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0648\u0643\u0630\u0644\u0643 \u0642\u0648\u0627\u0639\u062f \u0648 \u0623\u0639\u0631\u0627\u0641 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0627\u0644\u0645\u0643\u0631\u0633\u0629\u00a0 \u0641\u064a \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0648 \u0623\u062f\u0628\u064a\u0627\u062a \u0645\u0647\u0646\u0629 \u0627\u0644\u0635\u064a\u0631\u0641\u0629.<\/p>\n

\u0648\u0623\u0643\u062f \u0627\u0644\u0623\u0633\u062a\u0627\u0630 \u0627\u0644\u062c\u0627\u0645\u0639\u064a \u0648\u0627\u0644\u0645\u062d\u0627\u0645\u064a \u0627\u0644\u0628\u0634\u064a\u0631 \u0628\u0646 \u0627\u0644\u062d\u0627\u062c\u00a0 \u064a\u062d\u064a[1]<\/a> “\u0625\u0646 \u0627\u0644\u0628\u0646\u0643 \u0647\u0648 \u062d\u0631 \u0641\u064a \u0645\u0646\u062d \u0623\u0648 \u0639\u062f\u0645 \u0645\u0646\u062d \u0627\u0644\u0642\u0631\u0636 \u0644\u0644\u0645\u0624\u0633\u0633\u0629\u00a0 \u0627\u0644\u062a\u064a\u00a0 \u062a\u0637\u0644\u0628\u0647 \u0644\u0643\u0646\u0647 \u0625\u0630\u0627 \u0645\u0627 \u0639\u0642\u062f \u0641\u062a\u062d \u0625\u0639\u062a\u0645\u0627\u062f \u0645\u0639 \u062a\u0644\u0643 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0623\u0635\u0628\u062d \u0645\u0644\u0632\u0645\u0627 \u062a\u062c\u0627\u0647\u0647\u0627 \u062a\u0639\u0627\u0642\u062f\u064a\u0627 \u0625\u0630 \u0623\u0646 \u0630\u0644\u0643 \u0627\u0644\u0625\u062a\u0641\u0627\u0642 \u0647\u0648 \u0627\u0644\u062a\u0632\u0627\u0645 \u0644\u062a\u0642\u062f\u064a\u0645 \u062f\u0639\u0645 \u0645\u0627\u0644\u064a\u00a0 \u0644\u0644\u062d\u0631\u064a\u0641\u00a0 \u0641\u0627\u0644\u0628\u0646\u0643 \u064a\u062a\u062d\u0645\u0644 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0647 \u0627\u0644\u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0625\u0630\u0627 \u0645\u0627 \u0623\u062e\u0644 \u0628\u0630\u0644\u0643 \u0627\u0644\u0648\u0639\u062f \u0648\u062a\u062d\u0645\u064a\u0644 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0628\u0646\u0643 \u062a\u062b\u0627\u0631 \u0645\u0646 \u0637\u0631\u0641 \u0627\u0644\u0645\u0639\u0646\u064a \u0627\u0644\u0623\u0648\u0644 \u0648\u0647\u0648 \u0637\u0627\u0644\u0628 \u0627\u0644\u0642\u0631\u0636 \u0628\u0646\u0627\u0621\u0627 \u0639\u0644\u0649 \u0627\u0644\u0631\u062c\u0648\u0639 \u0627\u0644\u062a\u0639\u0633\u0641\u064a \u0641\u064a \u0627\u0644\u0642\u0631\u0636. \u0625\u0630 \u0623\u0646 \u0623\u0648\u0644 \u0627\u0644\u062a\u0632\u0627\u0645 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641 \u0647\u0648 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0625\u0644\u062a\u0632\u0627\u0645 \u0643\u0645\u0647\u0646\u064a \u062c\u064a\u062f. “Ex\u00e9cution en bon\u00a0 professionnel<\/p>\n

\u0643\u0645\u0627 \u0623\u0646\u0647 \u0643\u0645\u0627 \u0628\u064a\u0646 \u0630\u0644\u0643 \u0627\u0644\u0641\u0642\u064a\u0647\u00a0 \u0628\u0648\u062a\u064a “\u0627\u0644\u0625\u0644\u062a\u0632\u0627\u0645 \u0628\u0639\u0645\u0644 \u0634\u064a\u0626 \u0647\u0648 \u0627\u0644\u0625\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0646\u062c\u0627\u0632\u0647 \u0628\u0637\u0631\u064a\u0642\u0629 \u0645\u0641\u064a\u062f\u0629[2]<\/a><\/p>\n

\u0648\u062e\u0627\u0635\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0639\u0642\u0648\u062f[3]<\/a> \u0648\u0627\u0644\u0625\u062a\u0641\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0628\u0631\u0645\u0629 \u0645\u0646 \u0627\u0644\u0645\u0647\u0646\u064a\u064a\u0646\u00a0 \u0628\u0645\u0639\u0646\u0649 \u0623\u0646 \u0627\u0644\u0645\u0647\u0646\u064a \u0648\u062c\u0628 \u0639\u0644\u064a\u0647 “\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0625\u0644\u062a\u0632\u0627\u0645 \u0628\u0623\u0643\u0645\u0644 \u0648\u062c\u0647 \u0645\u0645\u0643\u0646”.<\/u><\/strong><\/p>\n

\u0641\u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0645\u062d\u0645\u0648\u0644 \u0639\u0644\u064a\u0647 \u0648\u0627\u062c\u0628 \u0625\u062d\u062a\u0631\u0627\u0645 \u0645\u0635\u0644\u062d\u0629 \u062d\u0631\u064a\u0641\u0647 \u0643\u0645\u0627 \u062c\u0627\u0621 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0625\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0631\u0648\u0628\u064a \u062a\u062d\u062a \u0639\u062f\u062f 93-13 \u0628\u062a\u0627\u0631 \u064a\u062e 5 \u0623\u0641\u0631\u064a\u0644\u00a0 1993 ” \u0648\u0627\u062c\u0628 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u064a\u0645\u0643\u0646 \u0645\u0631\u0627\u0639\u0627\u062a\u0647 \u0645\u0646 \u0637\u0631\u0641\u00a0 \u0627\u0644\u062d\u0631 \u0641\u064a\u00a0 \u0628\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u062e\u0644\u0627\u0642\u064a \u0648\u0627\u0644\u0645\u0646\u0635\u0641 \u0645\u0639 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0628\u0623\u062e\u0630\u0647 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0645\u0635\u0627\u0644\u062d\u0647 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0629”.<\/p>\n

\u062d\u064a\u062b \u0643\u0645\u0627 \u0628\u064a\u0646\u00a0 \u0630\u0644\u0643 \u0627\u0644\u0641\u0642\u064a\u0647 \u0628\u064a\u0643\u0648 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0623\u0646 \u064a\u062a\u062c\u0627\u0648\u0632 \u0631\u063a\u0628\u062a\u0647\u00a0 \u0627\u0644\u0623\u0646\u0627\u0646\u064a\u0629\u00a0 \u0644\u064a\u0633\u0647\u0644 \u0646\u062c\u0627\u062d \u0645\u0634\u0631\u0648\u0639 \u062d\u0631\u064a\u0641\u0647[4]<\/a> .<\/p>\n

\u0648\u0628\u0645\u0627 \u0623\u0646 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0628\u0631\u0645 \u0644\u0627 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0648\u0644\u0643\u0646 \u0645\u0628\u062f\u0623 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0639\u0642\u062f \u0628\u062d\u0633\u0646 \u0646\u064a\u0629 \u0648\u0623\u0645\u0627\u0646\u0629 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0643\u0644 \u0645\u0627 \u064a\u0644\u0632\u0645 \u062d\u0633\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0623\u0648 \u0627\u0644\u0639\u0631\u0641 \u0648\u0627\u0644\u0625\u0646\u0635\u0627\u0641 \u0637\u0628\u0642 \u0627\u0644\u0641\u0635\u0644 243 \u0645 \u0625.\u0639 .<\/p>\n

\u0648\u0630\u0644\u0643 \u0645\u0627 \u0643\u0631\u0633\u062a\u0647 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0625\u0633\u062a\u0626\u0646\u0627\u0641 \u0628\u062a\u0648\u0646\u0633 \u062a\u0637\u0628\u064a\u0642\u0627 \u0644\u0644\u0641\u0635\u0644 \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0645\u0624\u0643\u062f\u0629 \u0645\u0627 \u064a\u0644\u064a :”\u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u0645\u062a\u0646\u0639 \u0645\u0646 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0623\u064a \u0639\u0645\u0644 \u0645\u0646 \u0634\u0623\u0646\u0647 \u0627\u0644\u062a\u0646\u0642\u064a\u0635 \u0645\u0645\u0627 \u064a\u062a\u0645\u062a\u0639 \u0628\u0647 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u0642\u0627\u0628\u0644 \u0645\u0646 \u0627\u0644\u0645\u0646\u0641\u0639\u0629” \u0648\u0647\u0648 \u0645\u0648\u0642\u0641 \u062c\u0627\u0621 \u0628\u0645\u062c\u0645\u0648\u0639\u0629 \u0642\u0631\u0627\u0631\u0627\u062a \u0623\u0639\u062f\u0627\u062f 32194 – 32192 -35985 – \u00a032908 – 15229 \u0628\u062a\u0627\u0631\u064a\u062e 9 \u062c\u0648\u064a\u0644\u064a\u0629 1997.<\/p>\n

\u0648\u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0625\u062a\u062c\u0627\u0647 \u0639\u0644\u0649 \u0644\u0633\u0627\u0646 \u0627\u0644\u0641\u0642\u064a\u0647 Gustin \u063a\u0633\u062a\u0627\u0646 \u0623\u0646 “\u0645\u0628\u062f\u0623 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u0647\u0648 \u0645\u0631\u0627\u062f\u0641 \u0644\u0644\u0635\u062f\u0642 \u0648\u0627\u0644\u0635\u0631\u0627\u062d\u0629 \u0648\u0628\u0635\u0641\u0629 \u0623\u0634\u0645\u0644 \u0627\u0644\u0646\u0632\u0627\u0647\u0629”.<\/p>\n

\u0643\u0645\u0627 \u0630\u0647\u0628\u062a \u0645\u062d\u0643\u0645\u0629 \u0627\u0633\u062a\u0626\u0646\u0627\u0641 \u062a\u0648\u0646\u0633 \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0625\u062a\u062c\u0627\u0647 \u0641\u064a \u0642\u0631\u0627\u0631\u0647\u0627 \u0639\u062f\u062f 32149 \u0627\u0644\u0635\u0627\u062f\u0631 \u0628\u062a\u0627\u0631\u064a\u062e 9 \u062c\u0648\u064a\u0644\u064a\u0629 1997 \u0645\u0624\u0643\u062f\u0629 “\u0623\u0646 \u0639\u0642\u062f \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0645\u0628\u0631\u0645 \u0628\u064a\u0646 \u0627\u0644\u0637\u0631\u0641\u064a\u0646 \u0647\u0648 \u0627\u062d\u062f\u0649 \u0627\u0644\u0639\u0642\u0648\u062f \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0642\u062f\u0631\u0627 \u0641\u0627\u0626\u0642\u0627 \u0645\u0646 \u0627\u0644\u062b\u0642\u0629 \u0648 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629”.[5]<\/a><\/p>\n

\u0648\u0647\u0630\u0627 \u0627\u0644\u0645\u0646\u062d\u0649 \u0647\u0648 \u0641\u0642\u0647 \u0642\u0636\u0627\u0621 \u0645\u0633\u062a\u0645\u0631 \u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u0639\u0642\u064a\u0628 \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u0629 \u0648\u0642\u062f \u062a\u0643\u0631\u0651\u0633 \u0641\u064a \u0642\u0631\u0627\u0631\u0647\u0627.<\/p>\n

\u0628\u062f\u0648\u0627\u0626\u0631\u0647\u0627 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u0629 \u0639\u062f\u062f 2010\/57094 \u0627\u0644\u0645\u0624\u0631\u062e \u0641\u064a 30 \u0645\u0627\u064a 2013<\/u><\/strong> \u0627\u0644\u0630\u064a \u0623\u0643\u062f \u0645\u0627 \u064a\u0644\u064a:<\/p>\n

– \u0642\u0631\u0627\u0631 \u062a\u0639\u0642\u064a\u0628\u064a \u0639\u062f\u062f 30304 \u0645\u0624\u0631\u062e \u0641\u064a 23 \u0645\u0627\u0631\u0633 2004 “\u0637\u0627\u0644\u0645\u0627 \u0623\u0646 \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u0641\u062a\u0648\u062d \u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0639\u0642\u0628 \u0636\u062f\u0647\u0627 \u0643\u0627\u0646 \u0645\u062d\u062f\u062f \u0627\u0644\u0633\u0642\u0641 \u062f\u0648\u0646 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u062f\u0629 \u0641\u0625\u0646 \u0627\u0644\u0645\u0639\u0642\u0628 \u064a\u0643\u0648\u0646 \u0645\u0637\u0627\u0644\u0628 \u0628\u0625\u062d\u062a\u0631\u0627\u0645 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u064a\u0647 \u0627\u0644\u0645\u0633\u0628\u0642 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647 \u0628\u0627\u0644\u0641\u0635\u0644 705 \u0645\u0646 \u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629”[6]<\/a>\u00a0 .<\/p>\n

– \u0642\u0631\u0627\u0631 \u062a\u0639\u0642\u064a\u0628\u064a \u0639\u062f\u062f 15561 \u0645\u0624\u0631\u062e \u0641\u064a 1 \u062c\u0648\u064a\u0644\u064a\u0629 2007 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0627\u0644\u062f\u0627\u0626\u0631\u0629 \u0627\u0644\u062e\u0627\u0645\u0633\u0629 “\u062d\u064a\u062b \u0631\u0628\u0637\u062a\u00a0 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u0639\u0642\u064a\u0628 \u0628\u064a\u0646 \u0627\u0644\u0641\u0635\u0644 411 \u0645. \u062a \u0648\u0627\u0644\u0641\u0635\u0644 107 \u0645.\u0625.\u0639 \u0648\u0627\u0644\u0641\u0635\u0644\u0627\u0646 705 \u0648706 \u0645\u0646 \u0645. \u062a \u0648\u0630\u0644\u0643 \u0628\u0625\u0639\u062a\u0628\u0627\u0631 \u0623\u0646 \u0627\u0644\u0645\u0634\u0631\u0639 \u0642\u062f \u0645\u0646\u0639 \u0627\u0644\u0631\u062c\u0648\u0639 \u0627\u0644\u062a\u0639\u0633\u0641\u064a \u0644\u0625\u062a\u0641\u0627\u0642\u064a\u0629 \u0641\u062a\u062d \u0625\u0639\u062a\u0645\u0627\u062f \u0628\u0635\u0641\u0629 \u0639\u0627\u0645\u0629 \u0636\u0645\u0646 \u0627\u0644\u0641\u0635\u0644\u0627\u0646 \u00a0705 \u0648 706 \u0645\u0646 \u0645. \u062a. \u0648\u0643\u0630\u0644\u0643 \u0628\u0646\u0635 \u062e\u0627\u0635 \u0648\u0647\u0648 \u0627\u0644\u0641\u0635\u0644 411 \u0645\u0646 \u0646\u0641\u0633 \u0627\u0644\u0645\u062c\u0644\u0629.”<\/p>\n

\u062d\u064a\u062b \u0623\u0646\u0647 \u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0627\u0644\u0631\u062c\u0648\u0639 \u0641\u064a \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u064a\u0639\u0637\u064a \u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u062a\u0628\u0639\u0627\u062a \u0645\u062f\u0646\u064a\u0629 \u0648\u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u062a\u062a\u0628\u0639\u0627\u062a \u062c\u0632\u0627\u0626\u064a\u0629 \u0623\u064a\u0636\u0627.<\/p>\n

\u0648 \u0641\u064a \u0646\u0641\u0633\u00a0 \u0627\u0644\u0625\u062a\u062c\u0627\u0647\u00a0 \u0646\u062c\u062f \u0642\u0631\u0627\u0631 \u0635\u0627\u062f\u0631\u00a0 \u0639\u0646 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0625\u0633\u062a\u0626\u0646\u0627\u0641\u00a0 \u0628\u062a\u0648\u0646\u0633\u00a0 \u062a\u062d\u062a \u0639\u062f\u062f 24537 \u0645\u0624\u0631\u062e \u0641\u064a 26\/09\/2002 \u062d\u064a\u062b \u0623\u0643\u062f\u062a \u0643\u0644 \u0645\u0646\u00a0 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0625\u0633\u062a\u0626\u0646\u0627\u0641\u00a0 \u0648 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u0639\u0642\u064a\u0628 \u0623\u0646 \u0627\u0644\u0628\u0646\u0643 \u0644\u064a\u0633 \u0644\u0647 \u0627\u0644\u0625\u0645\u062a\u0646\u0627\u0639 \u0645\u0646 \u062f\u0641\u0639 \u0635\u0643 \u0637\u0627\u0644\u0645\u0627 \u0647\u0646\u0627\u0643\u00a0 \u0639\u0642\u062f \u0627\u0639\u062a\u0645\u0627\u062f \u0645\u0639\u00a0 \u0627\u0644\u0633\u0627\u062d\u0628[7]<\/a>.<\/p>\n

\u0648\u0647\u0648 \u0645\u0627 \u0643\u0631\u0633\u062a\u0647 \u0623\u064a\u0636\u0627 \u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0625\u0633\u062a\u0626\u0646\u0627\u0641 \u0628\u062a\u0648\u0646\u0633 \u0641\u064a \u0642\u0631\u0627\u0631\u0647\u0627 \u0639\u062f\u062f 40207 \u0627\u0644\u0645\u0624\u0631\u062e \u0641\u064a 22 \u0623\u0643\u062a\u0648\u0628\u0631 2008. \u062d\u064a\u062b \u0623\u0646 \u0645\u062c\u0631\u062f \u0633\u0643\u0648\u062a \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u062a\u062c\u0627\u0648\u0632 \u0645\u0628\u0644\u063a \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647 \u0645\u0639 \u0627\u0644\u062d\u0631\u064a\u0641 \u064a\u0639\u062f \u0645\u0648\u0627\u0641\u0642\u0629 \u0636\u0645\u0646\u064a\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0627\u0644\u062a\u062c\u0627\u0648\u0632 \u062a\u0642\u0648\u0645 \u0645\u0642\u0627\u0645 \u0627\u0644\u0625\u062a\u0641\u0627\u0642\u00a0 \u0627\u0644\u0630\u064a \u064a\u0644\u0632\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0639\u062f\u0645 \u0627\u0644\u0631\u062c\u0648\u0639 \u0641\u064a \u0633\u0642\u0641 \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u062f\u0648\u0646 \u0627\u062a\u0628\u0627\u0639 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a\u00a0 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0637\u0628\u0642\u00a0 \u0627\u0644\u0642\u0627\u0646\u0648\u0646[8]<\/a>.<\/p>\n

\u0648\u062d\u064a\u062b \u0642\u0636\u062a \u0627\u0644\u062f\u0627\u0626\u0631\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0625\u0628\u062a\u062f\u0627\u0626\u064a\u0629\u00a0 \u0628\u0642\u0627\u0628\u0633 \u062a\u062d\u062a \u0639\u062f\u062f 737\u00a0 \u0628\u062a\u0627\u0631\u064a\u062e 29 \u062c\u0648\u0627\u0646 2009 \u0644\u0635\u0627\u0644\u062d \u062f\u0639\u0648\u0649 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u062e\u0635\u0648\u0635 \u0642\u0636\u064a\u0629 \u062a\u0639\u0644\u0642\u062a\u00a0 \u0648\u0642\u0627\u0626\u0639\u0647\u0627\u00a0 \u0623\u0646 \u0627\u0644\u0628\u0646\u0643 \u0631\u062c\u0639 \u0641\u064a \u0642\u0631\u0636\u00a0 \u0628\u0639\u062f \u0623\u0646 \u0643\u0627\u0646\u00a0 \u062a\u0639\u0627\u0642\u062f \u0645\u0639 \u062d\u0631\u064a\u0641\u0647 \u0644\u0645\u0646\u062d\u0647 \u0625\u064a\u0627\u0647 ( \u0642\u0631\u0627\u0631 \u063a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631).<\/p>\n

\u0648\u062d\u064a\u062b \u062a\u0645 \u062a\u0643\u0631\u064a\u0633 \u0645\u0628\u062f\u0623 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0639\u0642\u062f \u0628\u062d\u0633\u0646 \u0646\u064a\u0629 \u0628\u062e\u0635\u0648\u0635 \u0641\u062a\u062d \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u0648\u0639\u0642\u0648\u062f \u0625\u0633\u062f\u0627\u0621 \u0627\u0644\u0642\u0631\u0636 \u0641\u064a \u062c\u0627\u0646\u0628 \u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0636\u0645\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u062c\u0628\u0627\u062a \u0648\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0641\u0631\u0636\u062a\u0647\u0627 \u0623\u064a\u0636\u0627 \u0642\u0648\u0627\u0639\u062f \u0648\u0639\u0631\u0641\u00a0 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0635\u064a\u0631\u0641\u064a \u0648\u0647\u064a \u0627\u0644\u062a\u0627\u0644\u064a\u0629 :<\/p>\n

1- \u0648\u0627\u062c\u0628 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0639\u0642\u062f \u0643\u0645\u0647\u0646\u064a \u062c\u064a\u062f : devoir\u00a0 d\u2019ex\u00e9cution\u00a0 en bon professionnel<\/p>\n

2- \u0648\u0627\u062c\u0628 \u0627\u0644\u0648\u0644\u0627\u0621 \u0648 \u0627\u0644\u062b\u0642\u0629 : devoir de loyaut\u00e9 et confiance<\/p>\n

3- \u0648\u0627\u062c\u0628 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0648 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 : devoir de coop\u00e9ration<\/p>\n

4- \u0648\u0627\u062c\u0628 \u0627\u0644\u062d\u0630\u0631 \u0648 \u0627\u0644\u062d\u064a\u0637\u0629 : devoir de vigilance<\/p>\n

5- \u0648\u0627\u062c\u0628 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 : devoir\u00a0 de transparence<\/p>\n

6- \u0648\u0627\u062c\u0628 \u0627\u0644\u0645\u062b\u0627\u0628\u0631\u0629 \u0648 \u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629 : \u00a0devoir\u00a0 de pers\u00e9v\u00e9rance<\/p>\n

7- \u0648\u0627\u062c\u0628 \u0627\u0644\u0646\u0635\u062d \u0648\u0627\u0644\u062a\u0648\u062c\u064a\u0647 : \u00a0devoir de conseil<\/p>\n

8- \u0648\u0627\u062c\u0628 \u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0648\u0627\u0644\u062d\u0645\u0627\u064a\u0629 : devoir de s\u00e9curit\u00e9<\/p>\n

9- \u0648\u0627\u062c\u0628 \u0627\u0644\u062a\u0645\u064a\u064a\u0632 : \u00a0devoir\u00a0 de discernement<\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u062c\u0647 \u0645\u0643\u0631\u0633 \u0623\u064a\u0636\u0627 \u0641\u064a \u0627\u0644\u0641\u0642\u0647 \u0627\u0644\u062a\u0648\u0646\u0633\u064a \u0648\u0627\u0644\u0645\u0642\u0627\u0631\u0646.<\/p>\n

” La faute professionnelle du banquier est l’\u00e9l\u00e9ment le plus sp\u00e9cifique de cette responsabilit\u00e9. Elle est, selon les cas, de nature contractuelle ou d\u00e9lictuelle ou quasi d\u00e9lictuelle, mais elle constitue toujours une faute professionnelle appr\u00e9ci\u00e9e, d\u00e9s lors, par rapport au comportement d’un \u00abbon banquier\u00bb (bonusargentarius) plac\u00e9 dans la m\u00eame situation. Ce qui n’implique aucunement l’existence d’une faute lourde. Une faute professionnelle comprend la m\u00eame gradation de culpabilit\u00e9 (l\u00e9g\u00e8re ou lourde, voire dolosive) que toute autre faute. Elle s’appr\u00e9cie en fonction des relations des parties, du march\u00e9, de la conjoncture et du niveau de diligence convenu. Les pratiques et usages sont un param\u00e8tre non n\u00e9gligeable d’appr\u00e9ciation de l’attitude reproch\u00e9e au banquier. La violation d’engagement accessoires ou implicites est aussi reprochable que le manquement \u00e0 des obligations formelles ou expresses (conseil\u2026)[9]<\/a>”\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0648\u062d\u064a\u062b \u0623\u0643\u062f \u0630\u0644\u0643 \u0623\u064a\u0636\u0627 \u0627\u0644\u0641\u0642\u064a\u0647 \u0628\u0627\u0644\u0642\u0648\u0644:<\/p>\n

“Un des cas o\u00f9 le banquier peut encourir une responsabilit\u00e9 envers son client, emprunteur, est celui de la r\u00e9vocation d’une ouverture de cr\u00e9dit. A l’ \u00e9gard d’un particulier, ce type de cr\u00e9dit prend g\u00e9n\u00e9ralement la forme d’un accord de d\u00e9couvert: le client \u00e0 la facult\u00e9 d’\u00eatre d\u00e9biteur sur son compte, dans une certaine limite, en contrepartie de quoi des agios sont per\u00e7us \u00e0 pr\u00e9position. Souvent la convention est \u00e0 dur\u00e9e ind\u00e9termin\u00e9e. Comme tout accord de ce type, elle peut donc \u00eatre r\u00e9sili\u00e9e unilat\u00e9ralement, \u00e0 tout moment.<\/p>\n

Encore faut-il cependant, que la banque n’agisse pas avec brusquerie: elle doit respecter un certain pr\u00e9avis, c’est-\u00e0-dire avertir \u00e0 l’avance le client, de mani\u00e8re que ce dernier soit \u00e0 m\u00eame de prendre ses dispositions, \u00e0 d\u00e9faut de quoi elle s’expose \u00e0 r\u00e9parer le pr\u00e9judice caus\u00e9.<\/u><\/strong><\/p>\n

Des difficult\u00e9s s’\u00e9tant fr\u00e9quemment \u00e9lev\u00e9es \u00e0 cet \u00e9gard dans les rapports entre banques et entreprises, l’art 60 de la loi du 24 janvier 1984, dite loi bancaire, r\u00e9git d\u00e9sormais la situation. Il d\u00e9clare que ” tout concours \u00e0 dur\u00e9e ind\u00e9termin\u00e9e, autre qu’occasionnel, qu’un \u00e9tablissement de cr\u00e9dit consent \u00e0 une entreprise ne peut \u00eatre r\u00e9duit ou interrompu que sur notification \u00e9crite et \u00e0 l’expiration d’un d\u00e9lai de pr\u00e9avis fix\u00e9 lors de l’octroi du concours”.”La disposition est assez rigoureuse.”[10]<\/a><\/u><\/strong><\/p>\n

\u0643\u0645\u0627 \u062c\u0627\u0621 \u0623\u064a\u0636\u0627 \u0641\u064a \u0645\u0631\u062c\u0639 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0644\u0631\u064a\u0628\u0627\u0631 \u0648 \u0631\u0648\u0628\u0644\u0648<\/p>\n

\u00ab Tout\u00a0 concours \u00e0 dur\u00e9e ind\u00e9termin\u00e9e autre qu’occasionnel, qu’un \u00e9tablissement\u00a0 de cr\u00e9dit consent\u00a0 \u00e0 une\u00a0 entreprise ne\u00a0 peut\u00a0 \u00eatre r\u00e9duit ou interrompue que sur notification \u00e9crite et \u00e0 l’expiration d’un d\u00e9lai de pr\u00e9avis fix\u00e9 lors de l’octroi du concours \u00bb (art .60, al 1). La notification n’est\u00a0 pas n\u00e9cessairement\u00a0 formelle, mais doit \u00eatre d\u00e9nu\u00e9e d’\u00e9quivoque (com. 15 mai 1993, Bull. cass, 4, n\u00b0 189, RTD com, 1993 ,552). Les cr\u00e9dits \u00ab consentis \u00e0 une entreprise \u00bb s’entendent sans doute des cr\u00e9dits \u00e0 usage professionnel, mais la notion de \u00ab concours autre qu’occasionnel \u00bb est de nature \u00e0 soulever l’h\u00e9sitation dans certains cas[11]<\/a>.<\/p>\n

Le \u00ab pr\u00e9avis\u00a0 fix\u00e9 lors de l’octroi de concours\u00bb doit \u00eatre suffisant pour que le client\u00a0 puisse trouver ailleurs les cr\u00e9dits qui lui sont n\u00e9cessaires. Les d\u00e9lais de pr\u00e9avis stipul\u00e9s actuellement par l’ensemble des banques sont de 60 jours pour les d\u00e9couverts et de 30 jours pour les cr\u00e9dits d’escompte ou de mobilisation de cr\u00e9ance commerciale. Les dispositions de l’art.60 sont naturellement\u00a0 imp\u00e9ratives[12]<\/a> .<\/p>\n

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 <\/p>\n

Dans ces hypoth\u00e8ses, le banquier n’est pas moins tenu de notifier sa volont\u00e9 par \u00e9crit[13]<\/a>.Si l’\u00e9tablissement de cr\u00e9dit interrompt brusquement son concours ce qui n’est pas le cas en cas de refus de d\u00e9livrer des ch\u00e8ques[14]<\/a><\/p>\n

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