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دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية

دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية

نوقشت بأكاديمية السادات للعلوم الإدارية بالقاهرة مؤخراً رسالة جامعية بعنوان: “دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية” نال بموجبها أشرف محمد دوابه درجة الدكتوراه.
انطلق الباحث من الواقع العملي لتجربة المصارف الإسلامية وتركيزها على الاستثمار قصير الأجل دون الاستثمار طويل الأجل بالرغم من الدور الرئيس والجوهري لهذا الأخير في تحقيق الأهداف التنموية على المستويين الاقتصادي والاجتماعي.
وتوصل الباحث إلى نموذج مقترح لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية بما يمكنها من استيعاب التمويل قصير الأجل وتحقيق أهدافها الاستثمارية طويلة الأجل عن طريق تطوير أساليب الاستثمار من خلال الاعتماد على سوق الإصدار وسوق التداول في أسواق رأس المال.
ويعدد النموذج المقترح مصادر التمويل طويلة الأجل بما يمكن المصارف من استثمار أموالها استثماراً طويل الأجل، يساهم في تحقيق أهدافها التنموية، ويحقق رغبتها ورغبة مودعيها في المواءمة بين الربحية والسيولة والأمان.
شهد نصف القرن الأخير ميلاد تجربة المصارف الإسلامية، وأعلنت هذه المصارف منذ إنشائها اعتزامها القيام بالمشروعات التنموية؛ للمساهمة في تحقيق التنمية الاقتصادية والاجتماعية؛ لكن واقع التجربة والممارسة جاء مغايراً، فقد اعتمد معظم هذه المصارف على مجموعة من النظم والأساليب لتعبئة الموارد واستخداماتها لا تتفق مع ما حددته لنفسها من أهداف.
فالأوعية الادخارية لا تلبي الحاجات المتعددة والرغبات المتنوعة للمدخرين، كما أن الاستثمار طويل الأجل لم يحظ بأهمية، بينما يمثل الاستثمار قصير الأجل السمة الغالبة لاستثماراتها.
فنظراً لكون مدخلات المصارف الإسلامية سواء كانت حسابات جارية أو استثمارية تعامل في الغالب معاملة الحسابات الجارية في حق السحب، فقد وجدت هذه المصارف نفسها في أزمة، فبينما كانت مدخلاتها قصيرة الأجل، كانت أهدافها الاستثمارية طويلة الأجل فتحولت من الأسلوب الاستثماري طويل الأجل إلى الأسلوب التجاري قصير الأجل بحثاً عن السيولة والربحية.
وكان من نتيجة ذلك أن أصبحت المرابحة بديلاً للائتمان في جانب المخرجات، وفي المقابل أصبحت الودائع الجارية في جانب المدخلات، فتحولت بذلك المصارف الإسلامية إلى صورة شبيهة بالمصارف التجارية.
وقد ترتب على هذا وقوع العديد من المشكلات الفكرية والتطبيقية، كما ترتب عليه عدم قدرة المصارف على الوفاء بالعديد من مسئولياتها، وإخفاقها في بلوغ الكثير من الآمال التي كانت معقودة عليها ومأمولة منها، وخاصة فيما يتعلق بدورها الاقتصادي والاجتماعي.
ومن هنا فإن المشكلة التي ركز عليها البحث تتمثل في وجود خلل في الاستثمارات في المصارف الإسلامية؛ لعدم مواءمتها بين مواردها القصيرة الأجل واستخداماتها ذات الأهداف طويلة الأجل.
وتأسيساً على هذه المشكلة سعى البحث إلى اختبار مدى صحة الفرض التالي:
يمكن استيعاب التمويل قصير الأجل وتحقيق الأهداف الاستثمارية طويلة الأجل في المصارف الإسلامية من خلال تطوير أساليب الاستثمار عن طريق إصدار شهادات استثمار قابلة للتداول، وإنشاء صناديق استثمار، والتأسيس والمساهمة في الشركات، وإدارة وتكوين محفظة أوراق مالية تتفق وطبيعة عمل هذه المصارف
وهدف البحث إلى:
1 التعرف على مدى اعتماد المصارف الإسلامية على الاستثمار طويل الأجل في توظيف أموالها، والأساليب العملية التي استخدمتها لتطبيقه، وتحديد المعوقات والمشكلات التي واجهت هذا التطبيق، والبحث عن مدى إمكانية تطوير الأساليب التطبيقية للاستثمار طويل الأجل.
2 التوصل إلى نموذج علمي وعملي لتدعيم الاستثمار طويل الأجل، مع التعرف على الآثار المتوقعة من تطبيق هذا النموذج على النشاط المصرفي بصفة خاصة، والنشاط الاقتصادي بصفة عامة.
أهمية البحث :1 من الناحية العملية: يعكس الواقع العملي لتجربة المصارف الإسلامية تركيزها في استثماراتها على الاستثمار قصير الأجل، فنظراً للضغوط المتولدة عن طبيعة موارد المصارف الإسلامية القصيرة الأجل، ومخاطر ربطها في استثمارات طويلة الأجل، وما ينشأ عنه من صعوبة تسييلها عند الحاجة اتجهت المصارف إلى الاستثمار قصير الأجل؛ بحثاً عن السيولة والربحية وما يتطلبه ذلك من احتفاظها بنسب عالية للسيولة مما يؤثر سلباً على عوائدها.
ويمكن للمصارف الإسلامية الخروج من هذا المأزق بالمواءمة بين مواردها القصيرة الأجل وأهدافها الاستثمارية طويلة الأجل من خلال تنويع أوعيتها وتطوير استثماراتها بإصدار شهادات استثمار قابلة للتداول، وإنشاء صناديق استثمار، والتأسيس والمساهمة في الشركات، وإدارة وتكوين محفظة أوراق مالية تتيح لها استثمار أموالها استثماراً طويل الأجل، بالإضافة إلى الاستثمار قصير ومتوسط الأجل بكفاءة وفاعلية.
وبذلك تتمكن من تحقيق أهدافها التنموية بمساهمتها في تحقيق التنمية الاقتصادية والاجتماعية، فضلاً عن تحقيق أهدافها الخاصة بتعظيم الربحية، وتخفيض مخاطر السيولة، وتحقيق أكبر قدر للأمان.
2 من الناحية العلمية: تبدو أهمية البحث من خلال الربط بين المبادئ العلمية وأحكام الشريعة الإسلامية، بوضع نموذج لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية يتفق وطبيعة أنشطة هذه المصارف.
المنهج الوصفي التحليلي
من أجل اختبار فروض البحث وتحقيق أهدافه فإن منهج البحث الأكثر ملاءمة في هذا الشأن هو “المنهج الوصفي التحليلي” لذلك فقد اعتمد البحث على أسلوب البحث الميداني المكتبي لدراسة وتحليل الإحصاءات والمعلومات والبيانات المنشورة من مصادر مختلفة عن موضوع البحث بصفة خاصة، وتجربة المصارف الإسلامية بصفة عامة، بالإضافة إلى أسلوب البحث الميداني الحقلي من خلال الزيارة الميدانية لبعض المصارف، والاستقصاء، والمقابلات الشخصية لبعض المسئولين والعاملين بها.
تناول الباب الأول من البحث التعرف على الاستثمار طويل الأجل ومعوقاته في المصارف الإسلامية، فعرض لماهية الاستثمار من حيث المفهوم، والأهداف، والأنواع، والضوابط.
وتعرض الفصل الثاني منه لدراسة تطبيقية للاستثمار طويل الأجل في المصارف الإسلامية من خلال تقييم الموارد المالية طويلة الأجل، وتقييم الاستثمار طويل الأجل.
وتعرض الفصل الثالث لمعوقات الاستثمار طويل الأجل في المصارف الإسلامية من خلال معوقات الموارد المالية والبشرية ومعوقات البنك المركزي للاستثمار طويل الأجل في المصارف الإسلامية.
وفى الباب الثاني تناول البحث دور المشاركة في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية فتعرض لماهية المشاركة: مفهومها ومشروعيتها، وأنواعها وأساليب تطبيقها في المصارف الإسلامية.
وتعرض الفصل الثاني منه لتطوير أساليب المشاركة لدعم الاستثمار طويل لأجل في المصارف الإسلامية من خلال شهادات الاستثمار القابلة للتداول، وصناديق الاستثمار، والشركات المساهمة.
وفى الباب الثالث تناول البحث دراسة لدور محفظة الأوراق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية، فتعرض لماهية محفظة الأوراق المالية: مفهومها وأهدافها، ومكوناتها.
وتعرض الفصل الثاني من الباب لإدارة محفظة الأوراق المالية وتدعيم الاستثمار طويل الأجل في المصارف الإسلامية باحثاً الأسس العلمية والشرعية لإدارة وتكوين محفظة أوراق مالية في المصارف.
وفى الباب الرابع والأخير عرض البحث تصوراً مقترحاً لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية، والآثار المتوقعة لتطبيقه، فتعرض لنموذج مقترح من خلال سوق المال لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية مبيناً دور سوق المال في النموذج المقترح، عارضاً للنموذج المقترح لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية. وتلا ذلك دراسة ميدانية لدور الأسواق المالية في تدعيم الاستثمار طويل الأجل مع توضيح طبيعة الدراسة ونتائجها، والآثار المصرفية والاقتصادية المتوقعة لتطبيق النموذج المقترح. وتوصل الباحث إلى العديد من النتائج، من أهمها:
1 تبين من خلال تقييم الموارد المالية في المصارف الإسلامية أن السمة الغالبة لهذه الموارد تتسم بكونها قصيرة الأجل، ولم تمثل الموارد طويلة الأجل سوى نسبة ضئيلة وهامشية. ويرجع ذلك إلى اعتماد المصارف على نظام للإيداع يتيح للمودع حق السحب وقتما يشاء في نفس الوقت التي تمثل فيه حقوق الملكية نسبة لا تكاد تذكر من مواردها، مما أدى إلى انخفاض قدرتها على توفير الموارد المالية اللازمة لنشاطها الاستثماري طويل الأجل.
2 تبين من خلال تقييم الاستثمار طويل الأجل أن الوضع التطبيقي للمصارف جاء على خلاف التصورات النظرية المسبقة، التي أفرطت في إعطاء دور اقتصادي واجتماعي لهذه المصارف حال قيامها، والتي كان من أبرزها القول بقدرة هذه المصارف على القيام باستثمارات طويلة الأجل بصورة كبيرة، وقد عجزت المصارف عن القيام بدورها التنموي كما كان متوقعاً ومأمولاً منها.
3 هناك العديد من معوقات الاستثمار من أهمها:
أ معوقات مرتبطة بالموارد المالية في المصارف الإسلامية حيث لم تكن هذه الموارد بالصورة الملائمة لطبيعة نشاط المصارف، فقد كانت النسبة الغالبة منها موارد قصيرة الأجل، وفي الوقت نفسه لم تحظ الموارد طويلة الأجل بأهمية تذكر، ويرجع ذلك إلى أسباب عدة منها ما يتعلق بأصحاب الأموال، ومنها ما يتعلق بالمصارف الإسلامية نفسها.
فأصحاب الأموال يميلون نحو تفضيل عامل الضمان لأموالهم، دون الاستعداد للمشاركة في الربح والخسارة، ويحرصون على الحصول على عائد لا يقل عن فوائد المصارف التقليدية لمودعيها، مع رغبتهم في توافر إمكانية السحب من الأموال بسهولة ويسر في أي وقت يريدونه أو في آجال قصيرة، متجاهلين الدور الاستثماري للمصارف الإسلامية.
وأما المصارف فإنها تحت ضغط رغبة أصحاب الأموال في سحب أموالهم في أي وقت، ومن أجل منافسة البنوك التقليدية وجذب مودعيها قام الكثير منها بصياغة أنظمة قبول أموال الاستثمار بها على نسق أنظمة الودائع الآجلة بالبنوك التقليدية، وذلك بإعطاء أصحاب الأموال الاستثمارية نفس الشروط
والمميزات التي يوفرها البنك التقليدي وخاصة فيما يتعلق بالقدرة على السحب من الوديعة في آجال قصيرة أو عند الطلب، وزاد من عمق المشكلة قصور عمليات الاجتهاد الفقهي والابتكار الفني بهذه المصارف.
ب معوقات مرتبطة بالموارد البشرية حيث تفتقر غالبية هذه المصارف إلى الكوادر الإدارية التي يتطلبها العمل المصرفي الإسلامي، والتي تجمع بين المعرفة الشرعية والخبرة المصرفية الإسلامية.
ج معوقات مرتبطة بالسياسة التمويلية والرقابية للبنوك المركزية، فالدور التمويلي للبنوك المركزية لا يتناسب مع طبيعة المصارف الإسلامية وعدم تعاملها بالفائدة، حيث يتعذر عليها اللجوء للبنوك المركزية حينما تعوزها السيولة، وبالتالي لن تستفيد من وظيفة البنك المركزي كملجأ أخير للسيولة، ويفرض عليها هذا الوضع الاحتفاظ بنسب سيولة مرتفعة لمواجهة متطلبات السحوبات المتوقعة والمفاجئة. كما أن الأساليب الرقابية التي تتبعها البنوك المركزية مع البنوك التقليدية لا تصلح للتطبيق على المصارف الإسلامية، مثل سياسة الاحتياطي القانوني، وسياسة السيولة النقدية، وسياسة حظر تملك البنوك للأصول الثابتة والمنقولة.
4 تم التوصل إلى نموذج مقترح لتدعيم الاستثمار طويل الأجل في المصارف الإسلامية عن طريق تطوير أساليب الاستثمار من خلال الاعتماد على سوق الإصدار وسوق التداول في أسواق رأس المال.
فمن خلال سوق الإصدار يسعى النموذج المقترح إلى الاستثمار المادي بطرح العديد من الأدوات المالية للاكتتاب العام، والمتمثلة في:
أ شهادات الاستثمار القابلة للتداول
ب وثائق صناديق الاستثمار
ج أسهم شركات التأجير التمويلي
د أسهم شركات B.O.T
ه أسهم شركات رأس المال المخاطر
ومن خلال سوق التداول يسعى النموذج المقترح إلى:
أ تداول الأدوات المالية التي يقوم بإصدارها في سوق الإصدار.
ب الاستثمار المالي من خلال:
إنشاء صناديق استثمار القيم المنقولة
إدارة وتكوين محفظة أوراق مالية
وبذلك يعدد النموذج المقترح الخيارات الاستثمارية أمام المدخرين للاستثمار الشرعي الخالي من شبهة الربا، وبما يتناسب مع حاجتهم لتحقيق الربحية والسيولة والأمان.
كما يعدد مصادر التمويل طويلة الأجل مما يمكن المصارف الإسلامية من استثمار أموالها استثماراً طويل الأجل، وبما يساهم في تحقيق أهدافها التنموية، ورغبتها في المواءمة بين الربحية والسيولة والأمان.
5 تبين من دراسة الآثار المصرفية المتوقعة لتطبيق النموذج المقترح أن تطبيق هذا النموذج يمكن أن يؤدي إلى تحقيق العديد من الآثار المصرفية، ومن أهمها:
أ الحد من اشتقاق نقود الودائع، ومن المساهمة في إحداث التضخم.
ب المساهمة في تصحيح تجربة المصرفية الإسلامية.
ج تخليص النظام المصرفي من التبعية المصرفية المنهجية، وآثارها السلبية.
6 تبين من دراسة الآثار الاقتصادية المتوقعة لتطبيق النموذج المقترح أن تطبيق النموذج يمكن أن يؤدي إلى تحقيق آثار اقتصادية، أهمها:
أ زيادة الادخار الحقيقي وتعبئة المدخرات في المجتمع من خلال نشر الوعي الادخاري الإسلامي، واستقطاب الأموال المكتنزة لأسباب شرعية، والتوفيق بين الربحية والسيولة والأمان، وتعبئة المدخرات طويلة الأجل، وتنمية سوق المال.
ب المساهمة في تدعيم وزيادة حجم الاستثمار القومي عن طريق ترشيد استخدام الموارد التمويلية، وتوجيهها للمجالات والمشروعات الاستثمارية الأكثر فائدة للمجتمع.
ج المساهمة في تحقيق العدالة في توزيع الدخول عن طريق الاعتماد على مبدأ المشاركة في الربح والخسارة، والاهتمام بالصناعات الصغيرة. وبذلك يساهم النموذج المقترح في تحقيق أهداف السياسة الاقتصادية، وخدمة أغراض التنمية.
وبناء على هذه النتائج توصل الباحث إلى مجموعة من التوصيات من أهمها: ضرورة أن تولي المصارف الإسلامية عملية التطوير والابتكار من خلال الاهتمام بالبحوث الاقتصادية ودراسات الجدوى أهمية كبرى بحيث تعمل على استحداث وابتكار أدوات وأساليب جديدة لتعبئة الموارد وتوظيفها بما يحقق أهدافها التنموية، بالإضافة إلى اهتمامها باختيار الموارد البشرية فتكون ممن يؤمنون بالفكرة الاقتصادية الإسلامية فضلاً عن توافر المؤهلات العلمية والشرعية اللازمة للعمل بهذه المصارف مع الاهتمام بالتعليم والتدريب لهذه العمالة، وتفعيل دور هيئة الرقابة الشرعية بحيث تشارك مشاركة عملية في أنشطة البنك واستثماراته حتى تخرج كافة معاملاته بصورة شرعية، وتفعيل الزكاة ودورها في علاج الكثير من المشكلات الاجتماعية في الدول الإسلامية، وكذلك التنسيق بين المصارف الإسلامية عالمياً لإنشاء أسواق مالية إسلامية تنضبط بالضوابط الشرعية وتتيح لهذه المصارف تدعيم استثماراتها طويلة الأجل

449 ردود على “دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية”

  1. المعوقات التي تواجه العمل المصرفي الاسلامي قال:

    اريد الاستفادة من الدراسات التي تخص المعوقات التي تواجه المصارف الاسلامية في المغرب العربي و جازاكم الله انا طالبة جزائرية و اقوم ببحث موسع حول النشاط المصرفي الاسلامي في الجزائر و البدائل التي يقدمها

  2. hadjer قال:

    السلام عليكم ورحمة الله تعالى و بركاته
    انا اختكم في الله من الجزائر طالبة ماجستير
    اود من حضرتكم ارسال نسخة عن “دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية”
    جزاكم الله خيرا و رزقكم الفردوس الاعلى

  3. hakim قال:

    السلام عليكم ورحمة الله وبركاته
    بارك اله فيكم على المجهودات الجبارة، نصر بكم الأمة ووفقنا وإياكم إلى الصراط المستقيم
    هل يمكنكم إرسال لي نسخة من هذه المذكرة وخصوصا لأني بحاجة ماسة لها في بحثي

    بارك الله فيكم وجزاكم كل الجزاء والسلام عليكم ورحمة الله

  4. فضيلة قال:

    باسم الله الرحمان الرحيم
    أشكركم جزيل الشكر عى ما قدمتوه، و أجركم الله أجرا عظيما ، و جعلكم من أحباب الواحد الأحد، و من رفقاء الحبيب المصطفى في جنة الخلد.
    أنا طالبة من الجزائر، و أنا بحاجة ماسة للموضوع الذي قدمتموه، أرجو منكم ارسال نسخة لي من هذا العمل.
    و أدامكم الله للعلم، و جعله لكم مسلكا لبلوغ جنة الخلد. و السلام عليكم و رحمة الله تعالى و بركاته.

  5. بكري قال:

    دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية”

  6. بكري قال:

    أرجو أرساله على البريد
    (دور الأسواق المالية في تدعيم الاستثمار طويل الأجل في المصارف الإسلامية”)

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