‫‪Dr. Samer Kantakji‬‬
‫ﺑﺎﻟﻨﯿﺎﺑﺔ ﻋﻦ أﺣﻤﺪ ﻧﺼﺎر ‪[email protected]‬‬
‫]‪[[email protected]‬‬
‫ﻧﯿﺴﺎن‪ ٠١:٠١ ٢٠١١ ،‬ص ‪28‬‬
‫‪[email protected]‬‬
‫ﻗﻮاﻧﯿﻦ ﺻﻜﻮك اﻻﺳﺘﺜﻤﺎر اﻻﺳﻼﻣﯿﺔ }‪{Islamic_Finance_Banking‬‬
‫ﻡ‬
‫ﺍﻟﺪﻭﻟﺔ‬
‫ﺍﺳﻢ ﺍﻟﻘﺎﻧﻮﻥ‬
‫‪:‬ﻣﻦ‬
‫‪:‬ﺗﺎرﯾﺦ اﻹرﺳﺎل‬
‫‪:‬إﻟﻰ‬
‫‪:‬اﻟﻤﻮﺿﻮع‬
‫ﺑﻨﻮﺩ ﺍﻟﻘﺎﻧﻮﻥ‬
‫ﺍﻟﺘﺎﺭﻳﺦ‬
‫·ﺻﻜﻮﻙ ﺍﳌﻀﺎﺭﺑﺔ‪.‬‬
‫·ﺻﻜﻮﻙ ﺍﻻﺳﺘﺜﻤﺎﺭ ﺍﻷﺧﺮﻯ‪.‬‬
‫‪ ١‬ﻗﺎﻧﻮﻥ ﺻﻜﻮﻙ ﺍﻟﺘﻤﻮﻳﻞ‬
‫ﺍﻟﺴﻮﺩﺍﻥ‬
‫‪١٩٩٥‬‬
‫‪ ٢‬ﻗﺎﻧﻮﻥ ﺳﻨﺪﺍﺕ ﺍﳌﻘﺎﺭﺿﺔ‬
‫)ﻗﺎﻧﻮﻥ ﻣﺆﻗﺖ(‬
‫ﺍﻷﺭﺩﻥ‬
‫‪١٩٨١‬‬
‫‪ ٣‬ﻗﺎﻧﻮﻥ ﺍﳌﺼﺎﺭﻑ ﺍﻻﺳﻼﻣﻴﺔ ﺭﻗﻢ )‪(٢١‬‬
‫ﺍﻟﻴﻤﻦ‬
‫‪١٩٩٦‬‬
‫ﺃﻥ ﻳﻜﻮﻥ ﻟﻠﻤﺼﺮﻑ ﺍﻹﺳﻼﻣﻲ ﺍﳊﻖ ﰲ ﺗﺄﺳﻴﺲ‬
‫ﻭﺍﻟﺼﻨﺎﺩﻳﻖ ﺍﻻﺳﺘﺜﻤﺎﺭﻳﺔ ﻭﺇﺻﺪﺍﺭ ﺍﻟﺼﻜﻮﻙ ﻭﺍﻟﻘ‬
‫ﻷﺣﻜﺎﻡ ﺍﻟﺸﺮﻳﻌﺔ ﺍﻹﺳﻼﻣﻴﺔ‬
‫‪ ٤‬ﺍﻟﻨﻈﺎﻡ ﺍﳋﺎﺹ ﺑﺎﺩﺭﺍﺝ ﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣﻴﺔ‬
‫ﺭﻗﻢ )‪/٩٣‬ﺭ(‬
‫ﺍﻹﻣﺎﺭﺍﺕ‬
‫‪٢٠٠٥‬‬
‫· ﺍﻻﺩﺭﺍﺝ ﻭﺍﻟﺘﺪﺍﻭﻝ‪.‬‬
‫· ﺍﺟﺮﺍﺀﺍﺕ ﺗﻘﺪﱘ ﻃﻠﺐ ﺍﻻﺩﺭﺍﺝ‪.‬‬
‫· ﺍﻻﻟﺘﺰﺍﻣﺎﺕ ﺍﳌﺴﺘﻤﺮﺓ ﻟﻠﺠﻬﺎﺕ ﺍﳌﺼﺪﺭﺓ ﻭﺍﻻ‬
‫‪ ٥‬ﻗﺮﺍﺭ ﺭﺋﻴﺲ ﳎﻠﺲ ﺍﺩﺍﺭﺓ ﻫﻴﺌﺔ ﺍﻻﻭﺭﺍﻕ ﺍﳌﺎﻟﻴﺔ‬
‫ﻭﺍﻟﺴﻠﻊ ﺭﻗﻢ ‪١٩٧‬ﺑﺸﺄﻥ ﺍﻟﺮﺳﻮﻡ ﺍﳌﻘﺮﺭﺓ‬
‫ﻋىﻠﻰ ﺳﻨﺪﺍﺕ ﺍﻟﺪﻳﻦ ﻭﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣﻴﺔ‬
‫ﺍﻹﻣﺎﺭﺍﺕ‬
‫‪٢٠٠٦‬‬
‫· ﲢﺪﻳﺪ ﺭﺳﻢ ﻃﻠﺐ ﺍﺩﺭﺍﺝ ﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣ‬
‫· ﲢﺪﻳﺪ ﺭﺳﻮﻡ ﺍﺩﺭﺍﺝ ﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣﻴﺔ‬
‫· ﲢﺪﻳﺪ ﺍﻟﻌﻤﻮﻟﺔ ﺍﻻﲨﺎﻟﻴﺔ ﻋﻠﻰ ﺗﺪﺍﻭﻝ ﺍﻟﺼﻜﻮ‬
‫ﻗﻴﻤﺔ ﻛﻞ ﺻﻔﻘﺔ ﻭﺗﻮﺯﻳﻌﺎ‪‬ﺎ ﻟﻠﻮﺳﻴﻂ ﻭﻟﻠﻬﻴﺌﺔ ﻭﻟ‬
‫‪ 6‬ﺗﻌﻠﻴﺎﺕ ﺍﺻﺪﺭﺍﺭﺍﺕ ﺳﻨﺪﺍﺕ ﺍﻟﺪﻳﻮﻥ‬
‫ﻭﺍﻟﺼﻜﻮﻙ ﻣﻦ ﻣﺼﺮﻑ ﺍﻟﺒﺤﺮﻳﻦ ﺍﳌﺮﻛﺰﻱ‬
‫ﺍﻟﺒﺤﺮﻳﻦ‬
‫‪٢٠٠٤‬‬
‫· ﻣﺘﻄﻠﺒﺎﺕ ﻧﺸﺮﺓ ﺍﻻﺻﺪﺍﺭ‪.‬‬
‫· ﺍﻻﻛﺘﺘﺎﺏ ﺍﻟﻌﺎﻡ‪.‬‬
‫·ﺻﻜﻮﻙ ﺍﻟﻘﺮﺽ‪.‬‬
‫·ﺍﻟﺼﻜﻮﻙ ﺍﳋﲑﻳﺔ‪.‬‬
‫· ﺍﳉﻬﺎﺕ ﺍﳌﺴﻤﻮﺡ ﳍﺎ ﺍﺻﺪﺍﺭ ﺳﻨﺪﺍﺕ ﺍﳌﻘﺎﺭﺿ‬
‫· ﺷﺮﻭﻁ ﺍﳌﺸﺮﻭﻉ ﺍﻟﺬﻱ ﺗﺼﺪﺭ ﺳﻨﺪﺍﺕ ﺍﳌﻘﺎﺭ‬
‫· ﺑﻨﻮﺩ ﻧﺸﺮﺓ ﺍﻻﺻﺪﺍﺭ‪.‬‬
‫· ﺍﻷﻃﺮﺍﻑ ﺍﳌﻨﻈﻤﺔ ﻟﻌﻤﻠﻴﺔ ﺍﻻﺻﺪﺍﺭ‪.‬‬
‫· ﺍﻋﻀﺎﺀ ﳉﻨﺔ ﺍﺻﺪﺭﺍﺭﺍﺕ ﺳﻨﺪﺍﺕ ﺍﳌﻘﺎﺭﺿﺔ‬
‫· ﺃﺣﻜﺎﻡ ﻋﺎﻣﺔ‬
‫· ﺍﻻﺗﺰﺍﻡ ﺑﺎﻷﻧﻈﻤﺔ ﻭﺍﳉﺰﺍﺀﺍﺕ‪.‬‬
‫· ﳕﻮﺫﺝ ﻃﻠﺐ ﺍﺩﺭﺍﺝ ﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣﻴﺔ‬
‫· ﺍﻗﺮﺍﺭ ﻭﺗﻌﻬﺪ ﺍﳉﻬﺔ ﺍﳌﺼﺪﺭﺓ‬
‫· ﲪﺎﻳﺔ ﻣﺼﺎﱀ ﺍﳌﻜﺘﺘﺒﲔ‪.‬‬
‫· ﺍﻻﺩﺭﺍﺝ ﻭﺍﻟﺘﺪﺍﻭﻝ‪.‬‬
‫· ﺍﻻﻟﺰﺍﻣﺎﺕ ‪.‬‬
‫‪1‬‬
‫· ﺍﺣﻜﺎﻡ ﺍﳌﺨﺎﻟﻔﺎﺕ ﻭﺍﻳﻘﺎﻑ ﺍﻟﺘﻌﺎﻣﻞ‪.‬‬
‫· ﺍﻟﺮﺳﻮﻡ‬
‫‪ ٧‬ﻗﺎﻧﻮﻥ ﺗﻮﻇﻴﻒ ﺍﻻﻣﻮﺍﻝ ﺭﻗﻢ ‪١٤٦‬‬
‫ﻣﺼﺮ‬
‫‪١٩٨٨‬‬
‫· ﺍﺻﺪﺍﺭ ﻭﺗﺪﺍﻭﻝ ﺍﻟﺼﻜﻮﻙ‪.‬‬
‫· ﻗﻮﺍﻋﺪ ﺗﻮﺯﻳﻊ ﺍﻻﺭﺑﺎﺡ ﺍﻟﺼﺎﻓﻴﺔ ﺑﲔ ﺍﻟﺸﺮﻛﺔ ﻭ‬
‫ﺍﻟﺼﻜﻮﻙ‬
‫‪ ٨‬ﺗﻌﻤﻴﻢ ﻭﺳﻴﻂ ﺭﻗﻢ ‪ ١٢٠‬ﺍﳌﺘﻌﻠﻖ ﺑﺘﻌﺪﻳﻞ‬
‫ﺍﻟﻘﺮﺍﺭ ﺍﻻﺳﺎﺳﻲ ﺭﻗﻢ ‪ ٩٠٤١‬ﺗﺎﺭﻳﺦ‬
‫‪٢٠٠٥/٦/١‬‬
‫ﻟﺒﻨﺎﻥ‬
‫‪٢٠٠٦‬‬
‫· ﳕﻮﺫﺝ ﺍﻟﺒﻴﺎﻥ ﺍﻟﺸﻬﺮﻱ ﺑﺘﻮﺯﻳﻊ ﺍﶈﻔﻈﺔ ﺍﻟﺸﻬﺮ‬
‫ﺍﻟﻨﻤﻮﺫﺝ ﺍﻟﺼﻜﻮﻙ ﺍﻻﺳﻼﻣﻴﺔ ﺍﱃ ﻟﺒﻨﺎﻧﻴﺔ ﻭﻏﲑ ﻟ‬
‫· ﳕﻮﺫﺝ ﺑﻴﺎﻥ ﻧﺼﻒ ﺳﻨﻮﻱ ﺑﺘﻮﺯﻳﻊ ﺍﳌﻮﺟﻮﺩﺍﺕ‬
‫ﻟﻠﺼﻜﻮﻙ ﺍﳊﻜﻮﻣﻴﺔ ﻭﺍﻟﻠﺒﻨﺎﻧﻴﺔ ﻭﻏﲑ ﺍﻟﻠﺒﻨﺎﻧﻴﺔ‬
‫ﻗﺎﻧﻮﻥ ﺗﻌﺰﻳﺰ ﺍﻻﺳﺘﻘﺮﺍﺭ ﺍﳌﺎﱄ ﺍﻟﻜﻮﻳﱵ ﺭﻗﻢ‪٢‬‬
‫ﻟﺴﻨﺔ ‪٢٠٠٩‬‬
‫ﺍﻟﻜﻮﻳﺖ‬
‫ﺍﳌﺎﺩﺓ )‪ :(٢٢‬ﺗﺼﺪﺭ ﻭﺯﺍﺭﺓ ﺍﳌﺎﻟﻴﺔ ‪ -‬ﻧﻴﺎﺑﺔ ﻋﻦ ﺍﻟ‬
‫ﺻﻜﻮﻛﺎ ﺑﻘﻴﻤﺔ ﺍﻟﻀﻤﺎﻥ ﺍﶈﺪﺩ ﺑﺎﻟﺒﻨﺪ‬
‫ﻭﻳﺘﻮﱃ ﺑﻨﻚ ﺍﻟﻜﻮﻳﺖ ﺍﳌﺮﻛﺰﻱ ﻣﺘﺒﺎﻋﺔ ﺍﺭﺻ‬
‫ﺍﻟﺼﻜﻮﻙ ﺍﳌﺼﺪﺭﺓ ﻟﻜﻞ ﺑﻨﻚ‪ ،‬ﻭﻣﺎ ﻳﻄﺮﺃ ﻋﻠﻴﻬﺎ‬
‫ﻭﻻ ﲡﺎﻭﺯ ﻓﺘﺮﺓ ﺍﺳﺘﺤﻘﺎﻕ ﺗﻠﻚ ﺍﻟﺴﻨﺪﺍﺕ ﺍ‬
‫ﺳﻨﻮﺍﺕ ﻣﻦ ﺗﺎﺭﻳﺦ ﺍﺻﺪﺍﺭﻫﺎ‪ ،‬ﻭﻳﺘﻢ ﺍﺳﺘﻬﻼﻙ‬
‫ﺍﻟﺼﻜﻮﻙ ﲝﺼﺔ ﺍﻟﺪﻭﻟﺔ ﰲ ﺃﻱ ﻣﺒﺎﻟﻎ ﲢﺼﻞ ﻣﻦ‬
‫ﻭﳚﻮﺯ ﺍﻥ ﻳﺪﻓﻊ ﻋﻦ ﺍﻟﺴﻨﺪﺍﺕ ﺍﻭ ﺍﻟﺼﻜﻮﻙ‬
‫ﺍﻟﻜﻮﻳﺖ ﺍﳌﺮﻛﺰﻱ‪.‬‬
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