بهره بانکی ارزان شده نزول محسوب نمیشود؟
دستکاری درساختارها وهنجارها رسیدن به اقتصاد مقاومتی را با مشکل مواجه کرده است.
– قلم در قسمتهای قبلی این یادداشتها ضمن تفکیک پس اندازگذاران که برای نگهداری و حفظ ارزش نقدینگیهای اندک خود پولهای کوچکشان را نزد بانکها پس انداز میکنند با سپرده گذاران حرفه ای که برای کسب سود بدون زحمت در بانکها سرمایه گذاری میکنند و عدم حمایت از روشهای غیر قانونی که در بعضی بانکها وجود داشته و دارد اشاره داشته و نوشته است کاهش سودپس اندازهای بانکی مردم کم درآمد کشور تحت عنوان حمایت از تولید بهانه ای بیش نیست و سود این کاهش به ۹۰درصد واحدهای اقتصادی کوچک و متوسط نمیرسد ، لذا بنظر میرسد هدف این اقدام نیز همچون اقدامات گذشته دادن آدرس اشتباه برای سرپوش گذاشتن به مشکلات تولید کشور که به دلیل دستکاریهایی که در فضای کسب و کار ایجاد شده است به وجود آمده باشد برای روشن شدن موضوع قلم چند سوال را در خصوص دستکاری در روابطه بانکها و پس اندازگذاران به بهانه نزولی بوده مطرح میکند شاید پاسخی پیدا شود
– واقعا فعالیت بانکها در نظام جمهوری اسلامی ربوی است ؟
– قوانین مصوب مجلس شورای اسلامی برای بانکداری اسلامی که به تایید شورای نگهبان رسیده مجوزی برای نزول گرفتن و نزول دادن بانکها است ؟
– با توجه به گستردگی ادامه فعالیت بانکها که بجزدرصد بسیار اندک همه مردم کشور بگونه ای با آن در ارتباط بوده و هستند نزول خوار و نزول دهنده و در مخالفت با احکام قرآن مجید رفتار میکنند
– با کاهش بهره پرداختی به پس اندازهای جمع آوری شده از کارگران و کارمندان و روستائیان نزولی بودن کارکرد بانکها از بین خواهد رفت و پس از این مردم ایران حلال خور میشود و انچه در احکام الاهی در شأن نزول دهنده و نزول خوار آمده است به دلیل ارزان شدن نرخ بهره شامل مردم ایران نخواهد بود؟
– با کاهش نرخ بهره پس اندازهای مردم نزد بانکها مراجع محترم تقلید که کارکرد بانکها را نزولی میدانستند
دیگر نزول نمیدانند؟ یعنی اگر قیمت اجاره پول کم باشد نزول محسوب نمیشود ؟
– قلم معتقد است براساس قوانین مصوب مجلس شورای اسلامی که به تایید شورای نگهبان رسیده کارکرد و مبادلات بانکها صحیح و حلال و غیر نزولی بوده و تهمت زنندگان نزول دهند و نزول خوار به جامعه اسلامی بویژه کارکنان زحمت کش بانکها بر اساس قانون مسئولیت دارند حال اگر نظر قلم در خصوص صحیح بودن رفتار بانکهای که درچهارچوب قانون رفتار کرده اند اشتباه است، چرا مجلس شورای اسلامی و قوه قضائیه جلوی نزول خواری و نزول دهی عمومی را نگرفته و نمیگیرند؟ و اگر نزول خوار و نزول دهنده تهمت به بانکها و عموم مردم ایران است چرا مسئولین سکوت کرده و رسیدگی نمیکنند؟
ادامه دارد …
محمد حسین روشنک
رئیس کمیسیون تجارت اتاق بازرگانی، صنایع، معادن و کشاورزی خراسان رضوی
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