ﺍﺻﻼﺡ ﻧﻈﺎﻡ ﺑﺎﻧﮑﯽ ﺑﺎ ﺗﺄﮐﯿﺪ ﺑﺮ ﺗﺤﻮﻝ ﺩﺭ ﺍﻧﺪﺍﺯﻩﮔﯿﺮی ﺣﺠﻢ ﭘﻮﻝ

Shahrara Institute - - الصفحة الأولى -

ﺑﺴـﻴﺎﺭﻯ ﺍﺯ ﻣﻄﺎﻟﻌـﺎﺕ ﺗﺠﺮﺑـﻰ ﺩﺭ ﺳـﻄﺢ ﺟﻬﺎﻧـﻰ ﻭ ﺑـﻪ ﻃـﻮﺭ ﻣﺸـﺨﺺ ﺑﺤﺮﺍﻥﻫـﺎﻯ ﺍﺧﻴـﺮ ﺩﺭ ﺍﻗﺘﺼـﺎﺩ ﺍﻳـﺮﺍﻥ ﺛﺎﺑﺖ ﻛﺮﺩﻩ ﺍﺳـﺖ ﻛﻪ ﻣﺸـﻜﻼﺕ ﻋﻤﺪﻩ ﺩﺭ ﺍﻗﺘﺼـﺎﺩ ﺍﺯ ﺟﻤﻠـﻪ ﺗـﻮﺭﻡ، ﺑﻴـﻜﺎﺭﻯ، ﺗﻮﺯﻳـﻊ ﻧﺎﻋﺎﺩﻻﻧـﻪ ﺛـﺮﻭﺕ ﻭ ﺩﺭﺁﻣـﺪ ﻭ ... ﻧﺎﺷـﻰ ﺍﺯ ﻋﺮﺿـﻪ ﻧﺎﺩﺭﺳـﺖ )ﻭﺳـﻴﻊ ﻳﺎ ﻣﺤﺪﻭﺩ( ﭘﻮﻝ ﻣﻰ ﺑﺎﺷـﺪ. ﻫﻤﭽﻨﻴﻦ ﺑﻴﺸـﺘﺮ ﺍﻗﺘﺼﺎﺩﺩﺍﻧـﺎﻥ ﺑﺮ ﺍﻳـﻦ ﺑﺎﻭﺭﻧـﺪ ﻛﻪ ﺳﻴﺎﺳـﺖﻫﺎﻯ ﭘﻮﻟـﻰ ﻧﺎﺩﺭﺳـﺖ ﺑﺎﻧﻚﻫـﺎﻯ ﻣﺮﻛـﺰﻯ ﻣﻨﺸـﺄ ﺑﺤﺮﺍﻥﻫﺎﻯ ﻣﺎﻟﻰ ﺍﺳـﺖ. ﺑﻪ ﻃـﻮﺭ ﻣﺜـﺎﻝ، ﺑﺎﺭﻧـﺖ (2012) ﺩﺭ ﺁﺧﺮﻳﻦ ﻭ ﺟﺎﻣﻊﺗﺮﻳـﻦ ﻛﺘـﺎﺏ ﺧـﻮﺩ )ﺁﻣﺎﺭﻫـﺎﻯ ﭘﻮﻟـﻰ ﻧﺎﺩﺭﺳـﺖ ﻓـﺪﺭﺍﻝﺭﺯﺭﻭ ﭼﮕﻮﻧـﻪ ﻧﻈـﺎﻡ ﻣﺎﻟـﻰ ﻭ ﺍﻗﺘﺼـﺎﺩ ﺭﺍ ﺗﻀﻌﻴـﻒ ﻛﺮﺩﻩ ﺍﺳـﺖ؟( ﻋﻠﺖ ﺍﺻﻠـﻰ ﺍﺷـﺘﺒﺎﻫﺎﺕ ﺳﻴﺎﺳـﺘﻰ ﺑﺎﻧﻚ ﻣﺮﻛﺰﻯ ﺍﻳـﺎﻻﺕ ﻣﺘﺤـﺪﻩ ﺭﺍ ﺁﻣﺎﺭﻫﺎﻯ ﭘﻮﻟﻰ ﻧﺎﺩﺭﺳـﺖ ﻣﻰﺩﺍﻧﺪ. ﻫﻤﻴـﻦ ﺑـﺎﻭﺭ ﻣﻰﺗﻮﺍﻧﺪ ﺩﺭﺑـﺎﺭﻩ ﺍﻗﺘﺼـﺎﺩ ﺍﻳـﺮﺍﻥ ﻧﻴـﺰ ﺻﺎﺩﻕ ﺑﺎﺷـﺪ. ﺑـﺮﺍﻯ ﺩﺭﻙ ﺍﻫﻤﻴﺖ ﺍﻳﻦ ﺍﻣﺮ ﺑـﺮﺍﻯ ﺍﻗﺘﺼﺎﺩ ﺍﻳـﺮﺍﻥ ﺑﺎﻳﺪ ﺑـﻪ ﺍﻳـﻦ ﻧﻜﺘـﻪ ﺗﻮﺟﻪ ﻛـﺮﺩ ﻛﻪ ﺑـﺮ ﺍﺳـﺎﺱ ﺑﺎﻧﻜـﺪﺍﺭﻯ ﺑـﺪﻭﻥ ﺭﺑـﺎ ﻭ ﺣﺬﻑ ﻧـﺮﺥ ﺑﻬـﺮﻩ ﺍﺯ ﺍﺑﺘـﺪﺍﻯ ﺍﻧﻘـﻼﺏ ﺍﺳـﻼﻣﻰ ﺗﺎ ﺍﻣـﺮﻭﺯ، ﻣﺪﻳﺮﻳـﺖ ﺣﺠـﻢ ﭘـﻮﻝ ﻣﻬﻢﺗﺮﻳـﻦ ﻭ ﺍﺳﺎﺳـﻰﺗﺮﻳﻦ ﻣﺘﻐﻴـﺮ ﺩﺭ ﺳﻴﺎﺳـﺖ ﭘﻮﻟﻰ ﺑﺎﻧﻚ ﻣﺮﻛﺰﻯ ﺍﺳـﺖ. ﺍﺯ ﺍﻳﻦ ﺭﻭ، ﺷﻨﺎﺳـﺎﻳﻰ ﺩﻗﻴـﻖ ﺣﺠـﻢ ﭘـﻮﻝ ﻭ ﺁﻣﺎﺭﻫـﺎﻯ ﭘﻮﻟـﻰ ﺩﺭﺳـﺖ ﺑـﺮﺍﻯ ﺍﻗﺘﺼـﺎﺩ ﺍﻳﺮﺍﻥ ﻧﻴـﺰ ﺍﻣـﺮﻯ ﻻﺯﻡ ﻭ ﺿﺮﻭﺭ ﺑﻪ ﻧﻈﺮ ﻣﻰﺭﺳـﺪ. ﺍﺯ ﻣﻨﻈﺮ ﺍﻧﺪﺍﺯﻩﮔﻴـﺮﻯ، ﺍﺯ ﺩﻳﺮﺑﺎﺯ ﺗﺎﻛﻨﻮﻥ ﻣﺤﺎﺳـﺒﻪ ﺣﺠﻢ ﭘﻮﻝ ﻳـﺎ ﻧﻘﺪﻳﻨﮕـﻰ ﺍﺯ ﻃﺮﻳـﻖ ﻓﺮﻣـﻮﻝ ﺟﻤﻊ ﺳـﺎﺩﻩ ﻣﻘﺪﺍﺭ ﺭﻳﺎﻟﻰ ﭘـﻮﻝ ﻣﻮﺟﻮﺩ ﺩﺭ ﺩﺳـﺖ ﻣـﺮﺩﻡ ﻭ ﺩﺭ ﺣﺴـﺎﺏﻫﺎﻯ ﺑﺎﻧﻜـﻰ ﺻـﻮﺭﺕ ﻣﻰﭘﺬﻳﺮﻓﺘـﻪ ﻭﻟـﻰ ﺍﻣـﺮﻭﺯﻩ ﻣﺠﻤﻮﻋـﻪ ﺗـﺎﺯﻩﺍﻯ ﺍﺯ ﭘﺮﺳـﺶﻫﺎ ﺣـﻮﻝ ﮔﻨﺠﺎﻧـﺪﻥ ﺩﺍﺭﺍﻳﻰﻫـﺎﻯ ﻣﺎﻟـﻰ ﺩﺭ ﺗﺠﻤﻴﻊﻫـﺎﻯ ﭘﻮﻟـﻰ ﻭ ﻧﺤـﻮﻩ ﻣﺤﺎﺳـﺒﻪ ﺣﺠـﻢ ﻧﻘﺪﻳﻨﮕﻰ ﻣﻄﺮﺡ ﺷـﺪﻩ ﺍﺳـﺖ. ﺭﻭﺵ ﺟﻤﻊ ﺳـﺎﺩﻩ ﺑﻪ ﻃﻮﺭ ﻭﺍﺿـﺢ ﺑﻴﺎﻥ ﻣﻰﻛﻨـﺪ ﻛﻪ ﻫﻤـﻪ ﺩﺍﺭﺍﻳﻰﻫﺎﻯ ﭘﻮﻟﻰ ﺷـﺎﻣﻞ ﺍﺳـﻜﻨﺎﺱ ﻭ ﺳـﻜﻪ ﺩﺭ ﺩﺳـﺖ ﻣﺮﺩﻡ ﻭ ﺍﻧﻮﺍﻉ ﺳـﭙﺮﺩﻩﻫﺎﻯ ﺁﻥﻫـﺎ ﻧـﺰﺩ ﺑﺎﻧﻚﻫـﺎ ﻫﻤﭽـﻮﻥ ﺣﺴـﺎﺏﻫﺎﻯ ﺟـﺎﺭﻯ ﻳـﺎ ﻣـﺪﺕﺩﺍﺭ ﺑـﺎ ﻭﺯﻧـﻰ ﺑﺮﺍﺑـﺮ ﺑـﺎ ﻫـﻢ ﺟﻤـﻊ ﻣﻰﺷـﻮﻧﺪ. ﺑـﻪ ﻋﺒﺎﺭﺗﻰ ﺩﻳﮕﺮ، ﺍﻳـﻦ ﺭﻭﺵ ﻫﻤﻪ ﺍﻧـﻮﺍﻉ ﺩﺍﺭﺍﻳﻰﻫـﺎﻯ ﭘﻮﻟﻰ ﻓﻮﻕ ﺭﺍ ﻳﻜﺴﺎﻥ ﻓﺮﺽ ﻣﻰﻛﻨﺪ ...ﻭ

ﻓﺮﺯﺍﻧﻪ ﺻﺎﺩﻗﯽ ﺩﮐﺘﺮﺍی ﺍﻗﺘﺼﺎﺩ ﭘﻮﻟﯽ

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