در حالی نسبت چکهای برگشتی به مبادلهای جدید به ۳.۵ درصد رسیده که هنوز بیشتر از چهار ماه از توزیع چکهای جدید صیادی نگذشته است.
۴ ماه از اجرای قانون چک میگذرد و در شرایطی تعداد چکهای برگشتی با کاهش چشمگیری مواجه شده که به نظر میرسد با این روند بتوان انتظار داشت که اعتبار به قانون چک بازگردد. قانون جدید چک در سال ۹۷ به تصویب مجلس رسیده و مهمترین هدف از تدوین آن، کاهش آمار چکهای برگشتی و بازگرداندن اعتماد به چک در بازار بوده است.
در حالی که چند ماه از اجرای مرحله تازهای از قانون جدید چک میگذرد؛ مهران محرمیان، معاون فناوری بانک مرکزی میزان برگشت خوردن چکهای جدید صیادی بنفش رنگ را یک سوم چکهای قدیمی اعلام کرد. موضوعی که کارآمدی قانون جدید چک در کاهش آمار چکهای بر گشتی را نشان میدهد.
کاهش ۴۰ درصدی چک برگشتی با اجرای گام اول قانون جدید چک
اولین گامی که در قانون جدید چک برای بازگرداندن اعتماد به چک برداشته شد، بهینه کردن مسیر پیگیری وصول وجه چک برگشتی برای افرادی بود که چک در دست داشتند؛ اما به دلیل نبود موجودی در حساب صادرکننده، مجبور بودند مسیرهای وقتگیر و پرهزینه دادگاهها را برای دریافت اجراییه طی کنند.
در این شرایط اجرای بخشهایی از قانون جدید چک این مسیر را کوتاهتر و کم هزینهتر کرد تا دارندگان چک بلامحل بتوانند پس از درج شناسه عدم پرداخت بر روی چک به صورت مستقیم به دفاتر خدمات قضائی رفته و بدون رسیدگی قضائی نسبت به ثبت درخواست صدور اجراییه برای چک بلامحل اقدام کنند.
اجرای این بخش از قانون جدید چک به تنهایی نتایج درخشانی به همراه داشت و توانست نسبت چکهای برگشتی به مبادله شده را حدود ۴۰ درصد کاهش دهد و این نسبت را از ۱۵.۴ درصد در سال قبل از تصویب قانون جدید چک یعنی سال ۹۶ به ۹.۸ درصد در سال ۹۹ برساند.
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سقوط آمار چکهای برگشتی به ۳.۵ درصد
گام دوم اجرای قانون جدید چک از ابتدا سال ۱۴۰۰ برداشته شد و طی آن چکهای جدید بنفش رنگ صیادی بین مردم توزیع و ثبت آنها در سامانه صیاد بانک مرکزی الزامی شد و در نتیجه این موضوع، امکان ایجاد محدودیتهایی برای افراد بد حساب فراهم آمد تا از آن پس، افرادی که سابقه چک برگشتی رفع سو اثر نشده دارند دیگر نتوانند با صدور چک بلامحل به دیگران ضرر وارد کنند.
اولین جایی که نتیجه اجرای گام بعدی قانون جدید چک نمایان شد، آمار چکهای برگشتی سه ماهه اول سال ۱۴۰۰ بود که در آن نسبت چکهای برگشتی به مبادله شده قدیمی از ۹.۸ درصد سال ۹۹ به ۸.۵ درصد در فصل بهار ۱۴۰۰ رسید.
نتیجه دیگر الزامی شدن ثبت چک در سامانه صیاد را میتوان در آمار پایین چکهای جدید صیادی که برگشت خوردهاند، جست و جو کرد. آمار اعلام شده توسط مسئولان بانک مرکزی نشان میدهد که در سه ماه نخست امسال نسبت چکهای برگشتی به چکهای مبادلهای جدید در حالی به حدود ۳.۵ درصد سقوط کرده است که در همین مدت نسبت چکهای برگشتی به چکهای مبادلهای قدیمی حدود ۸.۵ درصد بوده است.
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)
آمار چکهای برگشتی از ۳.۵ درصد هم پایینتر خواهد رفت
ابوالفضل ابوترابی، عضو کمیسیون امور داخلی کشور و شوراهای مجلس در خصوص نتایج مثبت اجرای قانون جدید چک بر کاهش آمار چکهای برگشتی گفت: تا الان دو گام مهم در قانون جدید چک برداشته شده است که موجب شده نسبت چکهای برگشتی به مبادله شده از ۱۵.۴ درصد به ۳.۵ درصد برسد.
وی ادامه داد: اگر گامهای دیگر اجرای قانون جدید چک محکم برداشته شود به یقین نسبت چکهای برگشتی به مبادلهای از ۳.۵ درصد هم پایینتر خواهد آمد و به نرخ چکهای برگشتی کشورهایی همچون ترکیه و آمریکا نزدیک خواهد شد.
وی درباره گامهای قبلی اجرای قانون جدید چک اظهار داشت: گام اول ثبت شناسه عدم پرداخت بر چکهای برگشتی بود که موجب شد فرایند وصول وجه چک برگشتی به آسانی امکان پذیر شود و گام دوم هم الزامی شدن ثبت اطلاعات چک در سامانه صیاد بود.
ابوترابی در توضیح گام دوم گفت: این مرحله از ابتدا فرودین ۱۴۰۰ آغاز و بر اساس آن مشتریان موظف شدند تا چکهای مبادلهای خودشان را اگر از نوع چکهای جدید صیادی باشد در سامانه صیاد ثبت و تأیید کنند.
وی در خصوص شیوه اثر گذاری اجرای گامهای بعدی قانون جدید چک بر کاهش بیش از بیش آمار چکهای برگشتی خاطر نشان کرد: در گام سوم اجرای قانون جدید چک، رتبه بندی صادرکنندگان چک در دستور کار قرار خواهد گرفت و همین امر موجب تغییر رفتار مبادله کنندگان چک خواهد شد زیرا افراد از آن پس کاری که موجب کاهش اعتبار وی در رتبه بندی بشود را انجام نخواهند داد.
این نماینده مجلس اضافه کرد: بر این اساس پشتوانه هر فرد برای صدور چک، اعتبار خودش خواهد شد و اگر این اعتبار کاسته شود عملاً رتبه آن فرد در رتبه بندیها کاهش پیدا خواهد کرد.
چشم انتظاری برای کاهش ادامه دار آمار چکهای برگشتی
اجرای قانون جدید چک تاکنون تأثیر مثبتی بر پایین آمدن آمار چکهای برگشتی گذاشته است و از این نظر در در تحقق اهداف اولیه قانون موفق بوده است. در این میان هنوز بخشهایی از قانون اجرا نشده است که اگر فرصت زمانی برای اجرای آن بخشها فراهم شود، انتظار میرود که آمار چکهای برگشتی باز هم کاهش پیدا کند و به استاندارد کشورهای پیشرفته دنیا برسد.
لینک مطلب:
https://www.eranico.com/fa/content/138267