المستشار المالي لرئيس الوزراء مظهر محمد صالح: العراق سيدخل العصر الرقمي المتقدم مطلع العام المقبل 2024

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أكد المستشار المالي لرئيس الوزراء مظهر محمد صالح، اليوم الثلاثاء، أن العراق سيدخل العصر الرقمي المتقدم مطلع العام المقبل 2024، بإعلان رسمي كبير.
وقال صالح إن : “المنهاج الحكومي لرئيس الوزراء محمد شياع السوداني، ركز على مبادئ عمل إصلاحية في الإدارة العامة، والتي أخذت اتجاهين أساسيين، هما القضاء على ظاهرة الفساد بشكل عام والفساد النظمي بشكل خاص، وهو الفساد الأخطر الذي يسهم به أكثر من مفصل داخل الجهاز التنفيذي، والاتجاه الثاني يتمثل في تعظيم إيرادات الدولة غير النفطية وجعل نسبتها في تقديرات الموازنة العامة الاتحادية بما لايقل عن 20% بدلاً من نسبها المتدنية بنحو 10% أو حتى أقل، ذلك لضمان الأهداف ضمن سنوات الإصلاح الجارية”.
وأضاف أن “الأجهزة الإيرادية غير النفطية والتي تتصدرها اليوم، الهيئات الجمركية والضريبية والمنافذ الحدودية وغيرها، هي في مقدمة توجهات الإصلاح المالي والإداري، فعلى مستوى المؤشرات الدولية هناك ثلاثة عناصر تحبط بالغالب مجهودات الدول في التصدي للفساد المالي والإداري وتتلخص بالآتي: أولهما، التعامل بالمعاملات الورقية مع الجمهور والتواصل البشري المباشر، والثاني: التعامل النقدي المباشر في تسوية الجبايات وغيرها وما يولد من مخاطر في السلوك، والثالث: غياب الأنظمة الرقمية في تسيير المعاملات دون تدخل بشري”.
وتابع :”وبناءً على ما تقدم، وبغية تحقيق هدف البرنامج الحكومي في الإصلاح وإحلال النظم الرقمية في التعاطي مع الأجهزة الإيرادية غير النفطية، فإن برنامجاً رقمياً دقيقاً يجرى اعتماده بشكل متسارع تعتمده الحكومة اليوم، ويستند على التقدير والفحص والجباية الإلكترونية دون تدخل بشري مباشر وعلى وفق أنظمة رقمية متطورة تتم بالخبرات الوطنية الرصينة وبالتعاون مع كبريات الشركات الرقمية الدولية، إضافة إلى خبرات منظمة الأمم المتحدة للتنمية والتجارة ولاسيما في قطاعات التطوير الرقمي في المنافذ الحدودية والجمارك والضرائب، وبهذا سيكون العراق في مطلع العام 2024، قد دخل العصر الرقمي المتقدم بشكل متسارع وسيكون هنالك إعلان رسمي كبير بهذا الشأن”.
ولفت إلى أن “إحلال أنظمة المدفوعات وإشاعة التعاطي الرقمي، هي ابتداءً من الجباية الحكومية الرقمية وانتهاءً في المدفوعات الكبيرة والصغيرة داخل النشاط الاقتصادي، والتي ستتوج العصر الرقمي الجديد للعراق”، منوهاً بأن “التسارع في استخدام المدفوعات الإلكترونية يعد واحداً من ضمانات العمل المصرفي وسلامة ورصانة عملياته، ذلك بسبب انخفاض ما يسمى (مخاطر السيولة) لدى الجهاز المصرفي لمعرفته بالتدفقات والأرصدة اليومية وبشكل مستمر دون توقف، ما يجعل المصارف تتعامل مع (دوال) طلب نقدي مرنة غير منكمشة بالسيولة أو التحسب لفقدانها، أي دون توافر معلومات كافية بسبب ارتفاع حالة اللا يقين، وهي الصفة السائدة عند غياب أنظمة المدفوعات الرقمية والتي تعطل في الوقت نفسه والحاجة إلى التمويل المتسارع لإسناد النشاط الاقتصادي”.
وأكد أن “مثل هذه الظواهر ستختفي جميعاً بلا شك في النظام المصرفي الرقمي، وتنخفض مخاطر السيولة النقدية لارتفاع مستويات اليقين في تدفق الأموال التي توفرها النظم الرقمية في المعاملات مابين الجمهور من جهة والجمهور والمصارف من جهة أخرى، ذلك في إطار تسيير نظام مدفوعات رقمية شديد الحوكمة والشفافية المالية ويلبي احتياجات تنامي قطاع الأعمال الاقتصادية دون شكوك وتردد تفرضها مخاطر السيولة بسبب نقص المعلومات”.
وأشار إلى أن “ثمة ترابط بين الشمول المالي الذي يعني إيصال الخدمات المصرفية إلى أضعف شرائح المجتمع الاقتصادي وتطور المدفوعات الرقمية، إذ يتضمن إحلال المدفوعات الرقمية توسعة أعداد الحسابات المصرفية والارتقاء بها، ويمثل فتح الحساب المصرفي جوهر الشمول المالي الرقمي، إذ يلحظ مع تطور سوق المدفوعات الرقمية في العراق فإن ظاهرة تعاظم فتح الحسابات المصرفية قد تزايدت في الآونة الأخيرة بشكل لافت وبعشرات الآلاف من الحسابات المصرفية التي أخذت تفتح يومياً وبشكل مستمر وعلى حسب ما صرحت به رابطة المصارف الخاصة قبل أيام، ما يعني أن الجهاز المصرفي العراقي في حركة تغيير وتطوير متسارعة تتناسب والعصر الرقمي الجديد للعراق الذي أرسى مبادئه البرنامج الحكومي الحالي”.










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