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طبق اعلام رسمی مسئولان بانک مرکزی تعداد کل بانک ها و موسسات اعتباری دارای مجوز از بانک مرکزی و مندرج بر روی سایت این بانک ۳۴ مورد است و چیزی حدود ۷۰۰۰ موسسه اعتباری در کشور فعالیت می کنند و بیش از ۶۰۰۰ مورد مجوزی برای فعالیت ندارند که صندوق های قرض الحسنه، تعاونی ها، صرافی ها، لیزینگ ها بخش عمده آنها را تشکیل داده است.

اصغر پیکر آراءتفتیده، استاد پیام‌نور هرمزگان در دو بخش به گفت‌وگو با خبرنگار استادنیوز درباره شرایط موسسات مالی و دلایل به وجود آمدن چنین مشکلی برای بانک مرکزی و وزارت اقتصاد پرداخته است. اکنون بخش اول این مصاحبه را می‌خوانیم.

وی درخصوص نحوه شکل گیری و صدور مجوزهای موسسات اعتباری اظهار داشت:

«چند سالی است که بانک‌ها موسسات مالی چهره شهرها را شبیه خود کرده‌اند. سودهای بالای بانکی حتی تا ۳۰ درصد در یک دهه گذشته حدود ۲۵۰ هزار میلیارد را جذب موسسات مالی و اعتباری غیرمجاز کرده است تا جایی که نزدیک به ۲۰ درصد از کل نقدینگی کشور فقط در اختیار همین موسسات با ۷ هزار شعبه آنها در سراسر کشور قرار دارد. موسسات مالی و اعتباری غیرمجاز هم روند شکل گیری شان و هم اهدافشان خلاف و دارای مشکل بوده است. این موسسات صرفاً با هدف جذب سپرده مردم برای منافعشان تشکیل شده اند».

وی در ادامه تصریح کرد:
«طبق اعلام رسمی مسئولان بانک مرکزی تعداد کل بانک ها و موسسات اعتباری دارای مجوز از بانک مرکزی و مندرج بر روی سایت این بانک ۳۴ مورد است و چیزی حدود ۷۰۰۰ موسسه اعتباری در کشور فعالیت می کنند و بیش از ۶۰۰۰ مورد مجوزی برای فعالیت ندارند که صندوق های قرض الحسنه، تعاونی ها، صرافی ها، لیزینگ ها بخش عمده آنها را تشکیل داده است».

پیکرآراء در خصوص نحوه و دلایل شکلگیری این موسسات اذعان داشت:
«شکل گیری برخی موسسات مالی و اعتباری در دهه‌های ۷۰ و ۸۰ با مجوز وزارت تعاون صورت گرفت. البته سال تأسیس اغلب این موسسات به سال های ۸۶ تا ۹۱ برمی گردد. از سال ۸۳ و پس از تصویب قانون ساماندهی موسسات مالی، این تعاونی‌ها غیرمجاز تلقی شدند و باید از بانک مرکزی مجوز می‌گرفتند.کارشناسان معتقدند مهم ترین دلیل ایجاد موسسات مالی و اعتباری غیر مجاز عدم قانون صریح و روشن و خلاهای قانونی فراوان در نظام پولی و بانک کشورمان است که عدم نظارت و پیگیری های دولتی هم زمینه را برای رشد این موسسات فراهم ساخت به طوری که این موسسات به راحتی از عنوان تحت نظارت بانک مرکزی استفاده می کردند این در حالی بود که بانک مرکزی مجوزی برای فعالیت این موسسات صادر نکرده بود و با وجود نهادها و سازمان های عریض و طویل هیچ یک از آنها بر روند پیدایش این موسسات نظارتی نداشتند. از دلایل دیگر پیدایش این موسسات پدیده پولشویی بود. تعداد موسسات مالی و اعتباری در حالی رو به افزایش بود که نرخ رشد اقتصاد کشورمان منفی و با تورم بیش از ۴۰ درصد مواجه بود. قطعاً افزایش تعداد موسسات مالی آن هم در این شرایط اقتصادی یکی از علایم پولشویی در اقتصاد است. اما دلیل دیگر که باعث افزایش تعداد شعبه های موسسات مالی و اعتباری غیر مجاز شد، نیازی بود که مردم به اخذ تسهیلات بانکی و سودهای وسوسه انگیز سپرده گذاری ها بود».

وی درخصوص تهدیدات و عواقب فعالیت اینگونه موسسات مالی خاطرنشان کرد:
«این در حالی است که موسسات مالی غیرمجاز تهدید جدی برای نظام اقتصادی و مالی کشور هستند و افزایش نقدینگی این موسسات غیرمجاز افق بسیار خطرناکی برای اقتصاد ترسیم می کند. به گفته مسئولان بانک مرکزی، پولی که در اختیار چند موسسه غیر مجاز است در مسیر صحیح واسطه گری مالی مورد استفاده قرار نمی‌گیرد و حداقل بخشی از این وجوه به طور جدی در اختیار موسسه و صندوق است و آنها در هر زمان که تشخیص دهند به برخی بازارها وارد شده و خارج می شوند. این ورود و خروج می تواند آن بازارها را از ثبات و پایداری خارج کند و ممکن است گاهی اوقات به بازار ارز، طلا و یا مسکن وارد شوند و این منابعی که باید از طریق شبکه بانکی صرف اعطای تسهیلات شود برای کسب سود به صورت مستقیم سرمایه گذاری می شود».

پیکرآراء درباره اینکه چرا این موسسات با چنین وضعی مواجه شدند، افزود:
«موضوع موسسات مالی و تعاونی های اعتباری در ماه های اخیر به دغدغه برخی از سپرده گذاران تبدیل شده است. البته برخی تعاونی های اعتباری عملاً ورشکسته شدند ولی متاسفانه این موضوع باعث شد تا سپرده گذاران برخی موسسات دیگر برای دریافت سپرده های خود به صورت جمعی مراجعه کنند. متاسفانه موسسات مالی و اعتباری غیرمجاز توسط کسانی اداره می‌شود که هیچ‌گونه صلاحیت علمی و فنی برای مدیریت این امور نداشته‌اند. معمولا موسسان این موسسات، از پشتوانه سیاسی برخوردار بوده که توانسته‌اند با دور زدن قانون و عدم تمکین آن، در سراسر ایران شعبه زده و سرمایه میلیون‌ها نفر را جذب کنند».

پیکرآراء در پایان خاطرنشان کرد:

«اما این موسسات از یک طرف سپرده قانونی به بانک مرکزی نمی پردازند و طبق اعلام بانک مرکزی هزینه تمام شده پول برای آنها به طور متوسط ۲٫۸ درصد کاهش می یابد و از طرفی دیگر تسهیلات با نرخ سود بسیار بالایی پرداخت می کنند و این باعث می شود مردم گرایش بیشتری به سپرده گذاری نزد این موسسات داشته باشند که این روند خود به خود موجب افزایش شدید نرخ سود در بازار پول شده است. از سویی تأکید زیادی بر روی به روز بودن دانش مدیران در زمینه مدیریت ریسک وجود ندارد و بیشتر به بحث سابقه مدیران و آشنایی با قوانین و مقررات ورود می‌کنند. بانک مرکزی باید رفتار سخت‌گیرانه تری هم در تایید صلاحیت مدیران و هم در ادامه فعالیت آنها داشته باشد».

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