Babban Bankin Nijeriya (CBN), ya fitar da kakkausar sanarwar takaita ayyukan banki ga “masu taurin bashin dindindin” da kuma manyan masu kar...
Babban Bankin Nijeriya (CBN), ya fitar da kakkausar sanarwar takaita ayyukan banki ga “masu taurin bashin dindindin” da kuma manyan masu karɓar bashi da bashin su ya daɗe ba su fara biya ba.
A wani mataki mai faɗi da nufin ƙarfafa ladabtar da masu taurin bashi da kuma kare tsarin kuɗin ƙasa, CBN ya fitar da wannan sanarwar manufofi a ranar Laraba, bayan jawabin Gwamnan CBN, Olayemi Cardoso, a taron koli na shugabanni karo na huɗu na IMF/AFRITAC West 2 da aka gudanar a Abuja.
Gwamnan ya bayyana a fili cewa zamanin sassauci daga masu kula da harkokin banki ga masu ƙin biyan bashi ya ƙare.
Ya jaddada cewa yanzu CBN yana komawa ga tsauraran matakai wajen tabbatar da kyakkyawan tsarin gudanar bankuna da kamfanoni, domin kare sabon jarin da ya kai Naira tiriliyan 4.61 da aka samu a fannin shirin ƙarfafa yawan jarin bankuna daga duk wata barazana ko amfani da shi ba daidai ba.
“Ra’ayinmu kan tsarin gudanar da bankuna a bayyane yake: babu sassauci ga duk wani laifin da ya kauce daga bin tsarin da aka gindaya. Ta hanyar kawo ƙarshen sassaucin da aka dade ana yi, mun ƙarfafa ɗaukar alhaki, mun tsaurara sa-ido, kuma mun ɗaga matakan bin doka a duk fannin,” inji gwamnan.
Sabuwar dokar ta fi shafar “manyan masu karɓar bashi”, wato mutane ko kamfanoni da ke da manyan basussuka da aka riga aka ayyana a matsayin marasa aiki a tsarin kula da haɗarin bashi (Credit Risk Management System). A ƙarƙashin sabbin ƙa’idojin, za a hana waɗannan masu taurin bashi samun sabbin rance, da kuma wasu muhimman ayyukan banki kamar takardun ciniki da garanti.
“Mun aiwatar da takaita ayyukan banki ga manyan masu bashi da bashin su ya zama alakakai. Wannan mataki mai ƙarfi yana nuna ƙudurin mu na tabbatar da ladabtar da bashi, gaskiya a harkokin kuɗi, da ɗaukar alhaki,” inji sanarwar.
A cewar CBN, an ɗauki wannan mataki ne domin gina “al’adar biyan bashi” wadda a baya ba ta da ƙarfi musamman a tsakanin manyan masu karbar bashi. Ta hanyar hana su amfani da kayan aiki kamar wasikun lamuni (letters of credit) da takardun garanti (performance bonds), ana son hana abin da ake kira “tsalle daga banki zuwa banki” domin ƙara karɓar bashi.
“Ta hanyar takaita ayyukan banki ga masu kin biyan bashi na dindindin, muna ƙarfafa tsarin biyan bashi, muna kare masu ajiya, kuma muna tabbatar da daidaiton tsarin kuɗi,” inji CBN.
Baya ga wannan matakin, Cardoso ya sake jaddada cewa CBN na ci gaba da bin tsarin manufofin kuɗi na gamegari.
Wannan tsari yana maida hankali kan daidaita farashi da kuma amfani da gamegarin hanyoyi domin rage hauhawar farashi, tare da kauce wa hanyoyin da ba na yau da kullum ba domin dawo da amincewa da Naira.
“CBN na tsayawa daram kan tsarin manufofin kuɗi na gargajiya, tare da maida hankali kan dawo da daidaiton farashi, ƙarfafa sahihancin manufofi, da daidaita hasashen tattalin arziki ta hanyar tsari da daidaito,” inji sanarwar.
Shekaru da dama, fannin bankin Nijeriya na fama da matsalar “masu kin biyan bashi na dindindin”, wato attajirai ko manyan kamfanoni da ke karɓar biliyoyin naira amma su kasa biya.
Ana kiran irin waɗannan masu bashi da suna “manyan masu taurin bashi”. Idan irin waɗannan basussuka suka lalace, suna barazana ga ƙarfafa bankuna da kuma tsaron ajiyar kuɗin talakawa.
A ƙarƙashin jagorancin Cardoso, CBN na komawa ga tsarin “manufofin kuɗi na yau da kullum”. Wannan yana nufin barin tsohon tsarin bayar da rance kai tsaye ga fannoni kamar noma, tare da maida hankali kan babban aikin sa, wato tabbatar da daidaiton farashi da kuma kula da tsarin banki.
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