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Tumenye imitunganyirize n’imikorere y’amabanki

Yanditswe na HABIMANA Augustin

Ku ya 06-02-2018 saa 07:13:30
Habimana Augustin

Banki zifite uruhare rukomeye mu iterambere ry’igihugu, kuko zibika amafaranga y’abaturage, zikabungukira kandi zikabaguriza kugira ngo bashobore kwiteza imbere bakora ibikorwa bifitiye n’igihugu akamaro. Mu kubungabunga amafaranga y’abaturage, imikorere y’amabanki ishingira ku biteganywa n’itegeko rigena imitunganyirize y’imirimo y’amabanki.

Habimana Augustin

(ibikurikira igice cya mbere)

 Imiyoborere ya banki

Mu miyoborere ya banki nk’uko biteganywa n’itegeko n°47/2017 ryo ku wa 23 Nzeri 2017 rigena imitunganyirize y’imirimo y’amabanki, ryasohotse mu igazeti ya Leta n°42 yo ku wa 16/10/2017, inshingano zikomeye zifitwe n’abafite imigabane muri banki ndetse n’Inama y’Ubutegetsi ya Banki.

Muri zimwe mu nshingano z’abafite imigabane muri banki, nk’uko biteganywa n’ingingo ya 39 y’iryo tegeko harimo: kumenya ko abantu bafitiwe ikizere kandi bazwiho ubushobozi n’ubunyangamugayo ari bo bonyine batorewe kuba abagize  inama y’ubutegetsi; kumenya niba inama y’ubutegetsi buri gihe ari yo ibazwa kandi igakurikirana ko banki ifite imiyoborere myiza kandi itanga umusaruro; guhindura imiterere y’inama y’ubutegetsi iyo idakora neza ngo itange umusaruro witezwe cyangwa kubahindura hakurikijwe inshingano za banki; kumenya ko abagize inama y’ubutegetsi bafite ubushobozi kandi ko ubumenyi bwabo buri mu ngeri zitandukanye.

Naho inama y’ubutegetsi ya banki yo mu byo ishinzwe harimo: kuyobora ibikorwa bya banki no kumenya uburyo banki iyobowe hagamijwe kurinda ukutajegajega kwayo; kwemeza ingamba na politiki  banki igenderaho; gushyiraho no guhindura ubuyobozi bukuru iyo ari ngombwa, no kugena gahunda ihamye y’uko ubuyobozi busimburana;  kureberera Ubuyobozi bukuru bwa banki mu rwego rwo kugenzurana; kurengera inyungu zemewe n’amategeko z’abanyamigabane, ababikije amafaranga n’abandi bafatanyabikorwa ba banki; kugenzura niba banki ifite imibanire myiza n’abayigenzura.

Ibyaha n’ibihano

 Iyo banki iyo ari yo yose itubahirije ibiteganywa n’iri tegeko, Banki Nkuru ishobora kuyifatira ibihano bikurikira, hakurikijwe uburemere bw’ikosa: kwihanangirizwa mu nyandiko; guhagarikirwa by’agateganyo inkunga yose ya Banki Nkuru; kubuzwa kumenyekanisha cyangwa kwishyura inyungu ku mugabane;  kubuzwa gushinga andi mashami; kubuzwa gutangira ibikorwa bishya cyangwa kwagura ibihari; guhagarikwa gutanga inguzanyo, gushora imari n’ibikorwa byo kwagura uburyo bwo kuguriza; kubuzwa kugira indi mitungo binyuze mu buryo bwo kugura, gukodesha  cyangwa ikodeshagurisha; kubuzwa kwakira andi mafaranga abitse cyangwa andi yerekeye inguzanyo; kubuzwa gutanga agahimbazamusyi ako ari ko kose, imperekeza, amafaranga yo kwifashisha cyangwa n’andi yahabwa abagize inama y’ubutegetsi; kubuzwa gutanga agahimbazamusyi ku mushahara, amafaranga yo kwifashisha cyangwa n’andi yahabwa abayobozi n’abakozi; kwamburwa uruhushya rwo  gukora cyangwa ibindi bihano Banki Nkuru yagena.

 Banki Nkuru kandi ishobora kwambura banki uruhushya rwo gukora yahawe mu gihe icyo ari cyo cyose iyo: hashize amezi atandatu (6) itaratangira gukora uhereye igihe yemerewe gukora; yarahagaritse gukora mu gihe kirenze ukwezi kumwe; yarabonye uruhushya hashingiwe ku makuru atari yo cyangwa mu buryo bw’uburiganya;  itacyujuje ibisabwa ngo yemererwe; sosiyeti iyibyara irimo guseswa; banki ikora ibikorwa by’iyezandonke no gutera inkunga iterabwoba; ikora ibikorwa byatuma urwego rw’imari ruhungabana.

Ingamba zo kuzahura banki

Nk’uko biteganywa n’ingingo zinyuranye z’iryo tegeko, iyo Banki Nkuru ibonye ko hari banki ifite ibibazo, isaba iyo Banki kuyigezaho gahunda yo kuyizahura ikubiyemo bimwe muri ibi bikurikira: gufata, mu gihe kigenwe, ibyemezo byose bigamije kugarura cyangwa gushimangira imiterere y’imari, cyane cyane guteganya amafaranga yo gukemura ingorane zavuka; guteganya amafaranga y’ingoboka no gushyira andi mafaranga ku ruhande; guhagarika kwishyura inyungu ku migabane; kongera imari shingiro mu mafaranga ndetse n’indi nkunga yose y’amafaranga cyangwa y’ingwate; gusubira mu miterere n’imikorere bya banki kugira ngo uburyo bwo gukora no gucunga umutungo wayo burusheho gutungana. Mu gihe Banki Nkuru itanyuzwe na  gahunda y’izahurwa yatanzwe na banki, ifata izindi ngamba harimo no gushyiraho umuyobozi udasanzwe.

 Mu gihe banki bigararagara ko ifite ibibazo, ishobora gusaba Banki Nkuru guseswa ku bushake, cyangwa se Banki Nkuru nayo ishobora gutegeka ko banki idakora neza iseswa. Muri ubwo buryo bwombi, Banki Nkuru irabikurikirana kugira ngo muri iryo seswa, ababikije amafaranga yabo muri iyo banki bashobore kuba bakwishyurwa.

Kubahiriza ibiteganywa n’iri tegeko

Nk’uko biteganywa n’ingingo ya 120, kuva ku wa 23 Nzeri 2017 iri tegeko n°47/2017 rigena imitunganyirize y’imirimo y’amabanki ritangiye gukurikizwa, Banki zifite uruhushya rwo gukora zahawe igihe kitarenze umwaka umwe (1) kugira ngo zibe zahuje imikorere yazo n’ibiteganywa byose n’iri tegeko.

 

 

Umwanditsi:

HABIMANA Augustin

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