جمعيات ومنتدياتجمعية إطار الشبكة اللبنانية للتنمية

الإجراءات المصرفية اللاقانونية”

“الإجراءات المصرفية اللاقانونية”

يوم السبت في الحادي عشر من كانون الثاني 2020

عقدت مجموعة التفكير حول مجلس إنماء عكار والشمال بالتعاون مع الجمعية اللبنانية الكندية في الشمال في مقرها، لقاء حواري حول
“الإجراءات المصرفية اللاقانونية ” مع الباحث والأستاذ الجامعي في القانون الخاص والقانون الدولي لحقوق الإنسان الدكتور أحمد سعد الدين إشراقية، بحضور مجموعة من أهل الرأي.

إفتتُحت الجلسة بالنشيد الوطني. وتولت إدارة الجلسة الدكتورة فيفيان زيدان فرحبت بالدكتور أحمد إشراقية ضيف المجموعة وبالحضور الكرام وقدّمت نبذة عن خبرته.

مقدمة الندوة
لست هنا لأقول لكم أن المصارف حجزت ودائعكم فكلكم تعلمون وتلمسون لمس اليد أن أموالكم ليست لكم، أموالكم أموال المصارف والسلطة.
منذ ما قبل أيلول 2019 وكلنا نلمس أن قيوداً إستنسابية طالت ودائع اللبنانيين في المصارف ومع إشتداد الأزمة أصبحت 100$ حلماً أسبوعياً لكل مواطن تحت مسمى الكابيتال كونترول تحت حجة الظروف الإستثنائية التي يمر بها لبنان
والمواطن غاب عن عينيه النوم تفكيراً بجنى العمر و حتى من لا يملك الودائع والموال يفكر بمستقبل بلد أصبح اقصى ما يمكن أن يقدمه لمواطنيه قصة شعر تناسب كل المناسبات والفصول.
كذلك نسمع من حين إلى آخر بأن “الهير كات قادم” ولا مفر من “الهير الكات”
ما هو الكابيتال كونترول و هل هو قانوني؟ ما هي شروط تطبيقه؟ ماذا نستطيع أن نفعل بمواجهته ما هو الهير كات و ما مدى قانونيته و هل نحن فعلاً في مرحلة الهير كات؟
بداية، لا بد من التأكيد على أن العلاقة بين المودع والمصرف هي علاقة عقدية قائمة على مبدأ الحرية التعاقدية، يكون فيها المودع دائناً و المصرف مديناً. وعلى هذا الأخير أن يرد الدين عند الطلب وذلك ضمن أصول و إجراءات معروفة مسبقاً و محددة في العقد مع الزبون.
و هذا العقد هو شريعة المتعاقدين مع مراعاة ما ينص عليه قانون النقد و التسليف .

دار بعدها النقاش حيث أعرب الحضور المميز الجامع بين عدة إختصاصات ومكونات المجتمع المدني عن شكره لوضوح وغزارة المفاهيم المقدمة وتطرقت مداخلات الحضور العديدة لموضع الحوار، أغنت اللقاء وسمحت التطرق إلى تفاصيل إضافية حول ما تم تقديمه.

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