Kwamamaza

Inyungu amabanki yaka abahawe inguzanyo ntigomba gusumba umwenda

Yanditswe kuya 17-11-2016 saa 09:03' na Maurice Munyentwali


Umushinga w’ Ivugururwa ry’itegeko rigenga imitunganyirize y’imirimo y’amabanki wamaze gushyikirizwa inteko ishinga amategeko ndetse wanamaze kwemerezwa ishingiro ubu ukaba uzajya kwigirwa muri komissiyo y’Ubukungu n’Ubucuruzi.

Bimwe mu byo uyu mushinga w’itegeko uteganya ni ihame rizwi mu magambo y’icyongereza nka “In duplum rule” rigamije kurengera abafashe umwenda muri mabanki ariko ntibashobore kuwishyura ku gihe. Nkuko bigaragara muri uwo mushinga, mu gihe banki ibara inyungu ku myenda itishyurwa, ntigomba kurenza umwenda shingiro utarishyuwe igihe inguzanyo yageraga mu rwego rwo kutishyurwa. Ibi bisobanuye ko inyungu banki igenda ibarira umuntu utishyura umwenda wayo zigomba guhita zihagarara igihe zamaze kungana n’umwenda nyirizina.

Konti zidakoreshwa (dormant accounts) zigomba gufungwa nyuma y’amezi 6 kandi ba nyirazo nta mafaranga bagomba gukomeza gucibwa

Uyu mushinga w’itegeko rigenga imitunganyirize y’imirimo y’amabanki unateganyaga ko Banki zigomba kujya zifunga konti y’umukiriya mu gihe bigaragara ko hashize igihe kingana n’amezi atandatu (6) idakoreshwa. Nyuma y’ayo mezi nta mafaranga banki izakomeza guca umukiliya yo gucunga konti.

Amasosiete y’itumanaho ntazagengwa n’itegeko ry’amabanki nubwo akora ibikorwa byo guhererekanya amafaranga (mobile money)

Mu mushinga w’iri tegeko nta na hamwe hagaragara ko ibigo by’itumanaho bizagengwa n’iri tegeko nubwo nabyo bikora akazi gasa n’aka mabanki ko kubitsa no kubikuza. Mu bisobanuro byatanzwe ubwo hemezwaga ishingiro ry’uyu mushinga w’itegeko, hasobanuwe ko ibi bigo bizakomeza kugenzurwa na RURA cyakora RURA nayo ikazakomeza gukorana na BNR binyuze mu masezerano y’imikoranire (MoU).

Impamvu nyamukuru zatumye itegeko rigenga amabanki rya 2008 rigiye kuvugurwa

Mu bintu by’ingenzi byatumye hatekerezwa ku ivugururwa ry’itegeko ry’amabanki rya 2008 twavugamo bitanu by’ibanze.

1.Gahunda y’iterambere ry’urwego rw’imari(FSDP II) yagaragaje ko hari ibigomba guhinduka mu itegeko rigenga amabanki kugirango hakosorwe inenge zagaragajwe n’isesengura ryakozwe n’Ikigega Mpuzamahanga cy’Imari (FMI) ifatanije na Banki y’Isi

Iryo sesengura kandi ryagaragaje ko ku birebana n’amahame y’ibanze mu kugenzura imikorere y’amabanki (Banking Core Principles for effective supervision) yemerejwe i Basel, u Rwanda rwubahiriza neza amahame 6, rukubahiriza mu buryo bugereranyije amahame 13, rukubahirizwa mu buryo butanoze amahame 3, ndetse ko hari n’ihame 1 ritubahirizwa.

Iri vugurura rizatuma u Rwanda rwubahiriza neza ayo amahame y’ibanze ya Basel yose.

2. Gusanisha itegeko rya banki n’amategeko y’ubucuruzi mashya

Mu rwego rwo gukora neza ishoramari, kuva mu mwaka wa 2008, u Rwanda rwemeje amategeko menshi y’ubucuruzi mu rwego rwo korohereza abashoramari. Ayo mategeko yagize ingaruka ku itegeko ririho ubu ry’amabanki, ndetse na zimwe mu ngingo zirigize zinyuranyije n’amategeko mashya. Hakenewe itegeko ry’amabanki rivugururwa kandi rigahuzwa n’andi mategeko y’ubucuruzi.

3. Gusanisha urwego rw’amategeko ya banki mu Rwanda n’urwo mu bihugu by’Umuryango w’Afurika y’Uburasirazuba (EAC) mu rwego rwo guhuza ifaranga

Mu rwego rwo guhuza ifaranga mu Muryango w’Afurika y’Uburasirazuba, imwe mu ntego ni ugusanisha amategeko mu rwego rw’ubukungu. Ni muri urwo rwego Komite ishinzwe ifaranga yateganyije amahame agomba guhuzwa mu bikorwa by’amabanki mu bihugu bigize umuryango wa EAC. Itegeko ry’amabanki rivuguruye rizita ku mahame yumvikanyweho.

4. Ubugororangingo bwa tekiniki buturutse ku byagaragajwe n’itegeko rya 2008 kuva ryatangira kubahirizwa

Kuva itegeko ry’amabanki ryatangira kubahirizwa, hari ibibazo byinshi byabonewe ibisubizo, hari n’ibindi byabonewe ibisubizo hatarebwe itegeko kuko ntacyo ryabivugagaho.

Muri ibyo bibazo twavuga nko Kutagira ibisobanuro by’amagambo y’ibanze; Ubuzima gatozi bwa banki (sosiyete cyangwa koperative); Ibyiciro by’amabanki; Uburyo bwo guhuriza hamwe amabanki cyangwa bwo kuyegurira undi; Urutonde rw’inguzanyo; Ubwoko bw’ingorane ziboneka mu bucuruzi bwa banki; Intumwa ya banki; Itegeko rirengera abafite umwenda utarishyuwe n’ibindi.

5. Ibibazo by’ubukungu muri iki gihe birasaba gukaza itegeko rya banki kugira ngo hagabanywe ibihombo

Ni muri urwo rwego Banki Mpuzamahanga Nkemurampaka (BIS/Bank of International Settlement) yashyizeho ingingo n’amahame bishya bigomba kwemezwa n’ibihugu byose by’Ikigega Mpuzamahanga cy’Imari (IMF). Zimwe muri izo ngingo ni ibisabwa mu mahame (Basel) II na III n’ibisabwa ku buyobozi bw’amabanki.

Ibyo byose bizitabwaho mu ivugururwa ry’iri tegeko. Itegeko rikoreshwa kugeza ubu mu Rwanda ni itegeko N° 007/2008 ryo kuwa 08/04/2008 rigena imitunganyirize y’imirimo y’amabanki ryasohotse mu igazeti ya Leta ya Republika y’u Rwanda No. 12 yo kuwa 15/06/2008.

Byakusanyijwe kandi byandikwa na Maurice Munyentwali
Email: [email protected]


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