نظام بانکی محتاج درمان است
یک کارشناس ارشد بانکی گفت: نظام بانکی ایران بیمار است و نیاز به درمان دارد.
مجیدرضا داوری با بیان این که بیش از دویست فارغ التحصیل اقتصاد در مقطع دکترا در ایران بیکارند، ادامه داد: امکانی برای ورود این افراد به سیستم بانکی در سطوح مدیریتی وجود ندارد.
به گزارش خبرآنلاین، مدیرعامل اسبق بانک تجارت تاکید بر اینکه بازنگری در قوانین و به روز کردن ساختارهای بانکی از ضروریات است، اضافه کرد: برای اجرایی کردن این قوانین نیاز به نیروهای تازه نفس و فعال وجود دارد این در حالی است که در سیستم بانکی مدیرانی در حال کار هستند که بعضاً بیش از ۳۰،۴۰ یا ۵۰ سال است که در حال انجام کار بانكي هستند.
ضرورت اصلاح نظام بانکی
وی با طرح این پرسش که آیا با حضور افرادی از این دست تحول بانکی اتفاق خواهد افتاد یا خیر؟گفت: لازمه اجرایی کردن طرح اصلاح ساختار نظام بانکی،در ابتدا تدوین و تصویب قانون است که راه ورود افراد تازه نفس تحول گرا و جوان را به سیستم بانکی هموار نماید.
داوری با اشاره به این موضوع که قبل از هر چیز لازم است شرایط برای وجود انسانهای تحول گرا در هیئت مدیره بانکها فراهم شود گفت: مگر میشود بدون حضور مدیران تحول گرا انتظار اجرایی شدن طرحهای تحول را داشت؟
او به طرحهایی که به منظور اصلاح ساختار در دولت دهم در دستور کار قرار داشت اشاره کرد و گفت: در همین دوره اصلاح ساختار گمرک طرح هدفمندي و یا اجرایی شدن طرح مالیات بر ارزش افزوده در دستور کار قرار گرفت و اجرایی شد اما هیچ اقدامی در حوزه تحول بانکی صورت نگرفت و این در حالی است که شعارهای فراوانی در این بخش از سوی دولتمردان اعلام شد.
مدیرعامل اسبق بانک تجارت با تاکید بر اینکه در صورت تداوم شرایط موجود همچنان تحول بانکی اتفاق نخواهد افتاد،ادامه داد: مهمترین موانع برای اصلاح ساختار نظام بانکی در ابتدا به اطلاع رساني نمایندگان محترم مجلس درباره مشکلات سیستم بانکی در کشور است،درنتیجه راهکارهای خروج از آن به درستی تشخیص داده نمیشود. دوم ساختارهای که مانع تحول در این نظام هستند،مایل به تحول نیستند و حتی ممکن است بانک مرکزی نیز به رغم طرح موضوع عمیقاً قائل به اجرایی کردن این هدف نباشد،سومین مانع نیز مدیران و کسانی هستند که مقابل هر اصلاح و تغيري میایستند.
چه کسانی نمی گذارند نظام بانکی اصلاح شود؟
وی گفت: آدمهای کلیدی که در راس سیستم بانکی قرار دارند،بعضا عادت کردهاند که بیش از سه دهه یک کار را به یک شیوه انجام دهند و همینها نمی گذارند سیستم بانکی اصلاح شود.
مدیرعامل اسبق بانک تجارت با اشاره به اینکه برنامه اصلاح ساختار بانکی سالهاست معطل مانده است و دولتها نتوانستند این مشکل را حل کنند گفت: اگر حتی مجلس شورای اسلامی لایحه اصلاح ساختار بانک را مصوب کند باز هم بدون توجه به مسئله مدیران تحول گرا نمیتوانیم کاری از پیش ببریم.
داوری گفت: چطور میشود انتظار داشت کسانی که بیش از سی سال به شکل و سیاق کنونی مدیریت کردند ناگهان به انسانهایی تحولگرا تبدیل شوند؟
او با تاکید بر اینکه معرفی اعضای جدید برای تصدی صندلی هیئت مدیره و مدیر عاملی در همه کشورهای توسعه یافته جهان مستلزم بررسی سوابق تحصیلی و توانایی علمی افراد است، ادامه داد: این بدان معنی است که اگر فرد تحصیلات مرتبطی داشته باشد میتوانند مسئولیت را عهده بگیرند اما در ایران سراغ دارند کسانی که با ۲۸ سال سابقه بانکی در حراست بانکها مورد تایید بانک مرکزی برای عضویت در هیئت مدیره یک بانک قرار گرفت اما فردی که دکترای پول و بانکداری به دلیل نداشتن سابقه بانکی برای تصدی این مسئولیت رد شد.
داوری ادامه داد: تنها حضور در بدنه بانک برای احراز مسئولیت از منظر بانک مرکزی کافی است، در حالی که بدنه بانکی همین است در نتیجه اصلاح ساختار با همین قانون بسیار مشکل میشود. همانطور که گفتم ما برای تحول به قانون تحول گرا ، مدیران تحول گرا و ساختارهای متناسب نیاز داریم که متاسفانه هیچیک از این مورد در اختیارمان نیست.
فکر تازه در حاشیه است
وی تاکید کرد: در این ساختار وضعیت طوری شده که اگر کسی فکر تازه داشته باشد در حاشیه قرار میگیرد. به عبارت دیگر نظام اداری ایران از این بیماری مهلک رنج میبرد که نسل جوان تحصیلکرده داریم که اگر وارد میدان شوند میتوانند تحول ایجاد کنند اما قانونی مجلس مصوب کرده است که برای احراز مسئولیت در بانکها،سابقه بانکی لازم است.
گفت: در این حالت کسی با سی سال سابقه كار در حوزههاي غير مرتبط در بانک میتواند تایید شود اما کسی با دکترای مرتبط با این رشته این امکان را ندارد.
به گفته وی با تداوم روند نظام بانکی قادر نخواهد بود خود را با نظام بین الملل تطبیق داده و نوآوری کند.
داوری با تاکید بر اینکه سطوح بالای مدیریتی لازم است که ضرورت این تحول را درک کند،اضافه کرد: تجربه تشکیل بانکهای خصوصی در کشور را ببینید،متاسفانه بانکهای خصوصی عمدتا از بازنشستگان بانکهای دولتی تشکیل شدند و در نتیجه بیماریهای بانکهای دولتی به ساختارهای خصوصی نیز رسوخ کرد.
وی در توضیح این مطلب ادامه داد: بسیاری از روسای شعبه بانکهای خصوصی،بازنشستگان بانکهای دولتی هستند و حتی وقتی یک رئیس شعبه در فلان خیابان بازنشسته میشود در همان خیابان در شعبهای از بانک خصوصی به کار گرفته میشود تا بتواند مشتری را جذب کنند و این شیوه منسوخ طبیعتاً مشکلاتی را به وجود خواهد آورد.
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Cherished is likely to be what people say about your comments.
I have to disagree with most of the comments here, but maybe I’m just a contrarian.
It is perfect time to make some plans for the future and it is time to be happy. I’ve read this post and if I could I want to suggest you some interesting things or suggestions. Perhaps you can write next articles referring to this article. I wish to read more things about it!
When are you going to post again? You really entertain me!