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Tumenye imitunganyirize n’imikorere y’amabanki

Yanditswe na HABIMANA AUGUSTIN

Ku ya Jan 29, 2018

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

Inteko Ishinga Amategeko, Umutwe w’Abadepite, ku wa 10 Nyakanga 2017, yatoye itegeko n°47/2017 ryo ku wa 23 Nzeri 2017 rigena imitunganyirize y’imirimo y’amabanki, risohoka mu igazeti ya Leta n°42 yo ku wa 16/10/2017, rikaba ryaravugururaga Itegeko no 007/2008 ryo ku wa 08/04/2008 rigena imitunganyirize y’imirimo y’amabanki.

Nk’uko biteganywa n’ingingo ya mbere  y’iryo tegeko, icyo rigamije ni ukugena  imitunganyirize y’imirimo y’amabanki, rikanagena imicungire n’ubugenzuzi bw’amabanki akorera muri Repulika y’u Rwanda. Rigena kandi amahame n’ibipimo amabanki yubahiriza hagamijwe kubungabunga urwego rw’amabanki rutajegajega, mu nyungu z’ababitsa n’abandi bakiliya ba banki.

Iryo tegeko kandi risobanura banki nka sosiyete ihamagarira rubanda kuyiguramo imigabane ifite uburyozwe bugarukira ku migabane  cyangwa koperative  yemerewe na Banki Nkuru gukora imirimo yo kwakira no kubika amafaranga  no  gutanga inguzanyo ku giti cyayo. Cyakora, banki z’iterambere ntizemerewekwakira no kubika amafaranga ya rubanda.

Imirimo y’amabanki

Banki yemewe ikora imirimo yo kwakira no kubika amafaranga  no  gutanga inguzanyo ku giti cyayo.

Banki yemewe ishobora kandi gukora ibi bikurikira : gutanga ingwate izo ari zo zose z’amafaranga; gutanga, gucunga, kugura cyangwa kugurisha inyandiko zikoreshwa ku isoko ry’amafaranga, ibyikorera cyangwa ibikorera abakiliya; gutanga serivisi zerekeranye no kwishyurana; gucunga imari; gukora ibikorwa by’ivunjisha; gukora cyangwa gucunga inyandiko  zikoreshwa mu kwishyurana nka sheki, ikarita zo kwishyurana no kuguriza, sheki zo mu ngendo mu mahanga n’izindi nyandiko zifashishwa mu mabanki; guhagararira banki cyangwa ikigo cy’imari byemerewe gukora mu gihugu bikomokamo; kubikira abandi bantu impapuro z’agaciro; gukora ikindi gikorwa kiri mu rwego rw’imirimo ya banki kandi kemewe na Banki Nkuru.

Uruhushya ryo gukora imirimo y’amabanki rutangwa na banki nkuru yitaye kuri ibi bikurikira :  kuba iyo banki ifite imari shingiro ihagije igenwa na  Banki Nkuru ; kuba abanyamigabane muri banki ishingwa bafite ubushobozi bugaragara bwo kuyifasha mu gihe bibaye ngombwa; kuba banki ishingwa yatanze icyangombwa muri Banki Nkuru kemeza ko izubahiriza ibiteganywa n’iri tegeko n’amabwiriza arishyira mu bikorwa; kuba imiterere mu gihe kizaza y’imari ya banki igiye gushingwa igaragara kandi yerekana ko ubushobozi bw’imari ishingiyeho buzatuma ibikorwa biteganyijwe bya banki ishingwa bigerwaho; kuba ubumenyi n’uburambe bw’abagize inama y’ubutegetsi n’abayobozi ba banki igiye gushingwa bifite ireme kandi abayobozi bakwiye kuba basanzwe bazwiho ubunyangamugayo; kuba banki ishingwa ari sosiyeti ihamagarira rubanda kuyiguramo imigabane ifite uburyozwe bugarukira ku migabane cyangwa koperative kandi yiyandikishije muri Repubulika y’u Rwanda.

Kuba uburyo  bw’imicungire ya banki igiye gushingwa isobanutse neza ku buryo kuyikorera  igenzura risanzwe n’irihujwe byakoroha; kuba abanyamigabane bafite uruhare rugaragara muri banki ishingwa ari inyangamugayo bituma imicungire yayo iba myiza, irangwa n’ubushishozi kandi batarigeze bishora  mu bikorwa by’iyezandonke, Jenoside no gushyigikira iterabwoba; kuba imiterere, imikorere na politiki ndetse n’igenzura ryihariye bya banki ishingwa bikwiranye n’ibikorwa biteganywa kuzakora.

Ariko Banki Nkuru ikoresheje amabwiriza rusange ishobora kugena ibindi bigenderwaho mu gusuzuma ubunyangamugayo kugira ngo banki yemererwe.

Ntawe ushobora kwiharira banki ari umwe

Ingingo ya 20 y’iri tegeko, iteganya ko umuntu ku giti cye n’uwo bafitanye isano cyangwa isosiyete n’abafitanye isano nayo igenzurwa n’umuntu umwe idashobora kugira cyangwa kwegurirwa ku buryo butaziguye cyangwa buziguye ibirenga makumyabiri na gatanu ku ijana (25%) by’imigabane ya banki, uretse ikigo k’imari cyangwa sosiyete ihamagarira rubanda kuyiguramo imigabane bikora neza kandi byemerewe na Banki Nkuru. Ariko ibi ntibireba Guverinoma y’u Rwanda n’ibigo   byayo. Ntibireba kandi Guverinoma z’inyamahanga, ibigo mpuzamahanga n’undi wese  babanje kubyemererwa na Banki Nkuru.

Mu rwego rwo kwirinda ihungabana ry’ubukungu bw’igihugu ndetse n’igihombo kubabikije muri banki, iri tegeko riteganya ko nta gishoro kinini gikorwa na banki itabanje kubyemererwa na Banki Nkuru. Mu isuzuma ry’isaba rya banki ryo gukora igishoro kinini, Banki Nkuru igomba kubanza kureba  niba icyo gishoro: kitahungabanya imicungire myiza ya banki cyangwa imari yayo; kitabangamira inyungu z’ababitsa muri banki; kitabangamira imigenzurire ikwiye ya banki; kitashyira banki mu ngorane zitari ngombwa. Ikindi ni uko Banki Nkuru igomba kwizera ko banki ifite imiyoborere n’imiterere ikwiye mu gucunga igishoro cya banki.

(Biracyaza)