Effect of Forced Execution Procedures on the Obligation to Bank Secrecy
الملخص
تسعى البنوک عند ممارسة نشاطها دائما الى تلبیة رغبات عملائهم فی حفظ کل ما یخص ودائعهم، ومنها حفظ الجواهر والحلی والمصوغات الذهبیة والاشیاء الثمنیة الاخرى، وذلک من خلال تقدیم خدمة لهم تشمل تخصیص خزانة معینة للعمیل فی مکان یعده المصرف لهذا الغرض، وذلک فی اطار السریة المصرفیة. تعد السریة أحد ضمانات المصرفیة، والتی تحث على اقبال المودعین أکثر على الخدمات البنکیة. إلا أن رفع السریة عن المعلومات والبیانات المصرفیة یجب أن یبنى على أحکام قانونیة تحدد للبنک الحالات التی یجوز له ذلک. اختلفت التشریعات فی مدى الالتزام بالسریة الى اتجاهین أحدهما السریة المطلقة وآخر نسبیة. کما ان هناک خلاف حول تحدید الطبیعة القانونیة للعقد المبرم بین العمیل والمصرف الا انه یمکن تکییف هذا العقد بانه عقد مرکب ذو طبیعة خاصة. وقد کیف المشرع العراقی على غرار التشریعات المقارنة الأموال الموجودة فی الخزانة أو الصندوق باعتبارها أموالا مودعة لدى الغیر ، کما اقر المشرع العراقی بالسریة المصرفیة النسیبیة ولیست المطلقة. ویلاحظ أن قانون المصارف العراقی رقم 94 لسنة 2004 لم یتضمن نص قانونی بهذا الشأن، لذا ندعو المشرع العراقی الى تضمین نص خاص فی قانون المصارف یعالج هذه الحالة بحیث تسمح بمباشرة اجراءات التنفیذ الجبری على موجودات الخزینة الحدیدیة، وفی نفس الوقت لا تشکل عملیة الافصاح من قبل المصرف بناءً على هذه الاجراءات اخلالا بالسریة المصرفیة.
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- Fifth: Laws
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- Fourth: Laws:
- References
- Second: Legal Books
- Specialized and general references:
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