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مرصد الحكومة رقم 21 - تعاميم المصرف المركزي بشأن تنظيم حسابات المودعين
ما هي المشكلة المطروحة؟
في أعقاب الثورة الشعبية التي انطلقت في منتصف تشرين الأول/أكتوبر 2019، أغلقت المصارف اللبنانية أبوابها خوفًا من تهافت المودعين على سحب مدخراتهم أو تحويلها إلى الخارج. ثمّ بعد أسبوع، استأنفت أعمالها مع فرض قيود على الودائع بالدولار الأميركي ووضعت سقفًا للسحوبات والتحاويل إلى الحسابات في الخارج. لم تتحرّك الدولة فورًا لتنظيم القطاع المالي ممّا دفع المصارف إلى اعتماد سياساتها الخاصّة إمّا بشكل أحادي أو عبر جمعية مصارف لبنان التي أعلنت في 17 تشرين الثاني/نوفمبر 2019 أنها ستفرض سقفًا على السحب النقدي قيمته 1000 د.أ. أسبوعيًا بالإضافة إلى تقييد التحويلات إلى الخارج.
ومع فقدان الثقة بالقطاع المصرفي في لبنان في بداية الحراك الشعبي، سارع المودعون إلى سحب العملات الأجنبية - لا سيما الدولار الأميركي - من حساباتهم المصرفية (في تشرين الأول وتشرين الثاني 2019، جرى سحب حوالى 3.8 مليار دولار أميركي من المصارف اللبنانية). وبعد نهاية العام، باشرت المصارف العمل بخطوة إضافية عبر تخفيض سقف السحب النقدي إلى بضع المئات من الدولارات أسبوعيًا قبل تجميد السحوبات كليًا. منذ ذلك الحين، أصدر مصرف لبنان (المصرف المركزي في لبنان) سلسلة من التعاميم بهدف ضبط حركة رؤوس الأموال، وإبطاء الانهيار المالي والحدّ من تداعياته على مختلف القطاعات الاقتصادية وشرائح المجتمع.
تعاميم مصرف لبنان لتنظيم الودائع المصرفية
في 3 نيسان/أبريل 2020، صدر تعميم مصرف لبنان رقم 148، الذي سمح لصغار المودعين اللبنانيين، أي من كانت حساباتهم دون 5 ملايين ليرة لبنانية أو ثلاثة آلاف دولار أميركي، بإجراء السحوبات
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Research projects
2021
Land, natural resources and climate change in the Arab region
The Lebanese Center for Policy Studies (LCPS) is undertaking a desk review study on “land, natural resources, and climate change in the Arab region”. The...
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2017
Oil and Gas Training
LCPS’s partnership with NRGI facilitated the training and knowledge building of government officials, journalists, and activists from across the MENA region who took part in...
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2017
Confronting the Sectarian Myth
This project seeks to confront the dominant sectarian narrative in Lebanon and provide data and a model of analysis that is applicable to the broader...
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Newsfeed
February 2018 / International Monetary Fund
Lebanon: Staff Concluding Statement of the 2018 Article IV Mission
A Concluding Statement describes the preliminary findings of IMF staff at the end of an official staff visit (or ‘mission’), in most cases to a...
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September 2017 / World Bank
Cities of refuge in the Middle East: Bringing an urban lens to the forced displacement challenge
This policy note aims to advance our understanding of urban forced displacement, induced by conflict, by looking at the issue from the perspective of receiving...
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August 2017 / World Bank
Reducing traffic congestion in Beirut: An empirical analysis of selected policy options
Beirut, the capital city of Lebanon, faces huge traffic congestion, the cost of which is estimated to be more than 2 percent of the city's...
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of Lebanese people consider that the economic situation is their prime concern
of Lebanese people believe that the country is heading in the wrong direction
of Lebanese people think that there is corruption in the government
MPs exceeded their absence limit without any excuse between 2009-2017
out of the 352 laws passed in 2009-2017 address people's worries
Featured Analysis
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Alternative Labor Unions in Lebanon: Comparative Reflections and Lessons
After more than a year since the emergence of the October 17 uprising, it may be useful to recall some of the movement’s most defining characteristics. First, its scale: Protesters filled streets and squares by the hundreds of thousands during the movement’s peak. Second, its decentralized nature: While past mobilizations were primarily in urban areas, particularly in the capital, this mobilization spanned across different geographies, encompassing regions that had previously been perceived as loyal to the sectarian political establishment. Third, and most relevant here, its class-based character: The conditions driving people to mobilize were directly tied to worsening socioeconomic conditions... More › |
Nadim El-Kak
freelance policy consultant and former Researcher at the Lebanese Center for Policy Studies (LCPS). |
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The Port and the City: The Foundations of the Redevelopment of the Beirut Port
Eight months after its destruction due to an enormous explosion, the Port of Beirut is gaining international attention again. On April 6–9, four specialized German firms—Hamburg Port Consulting, Colliers International, Fraunhofer Institute, and Roland Berger—presented a comprehensive multi-billion-dollar proposal to the Lebanese authorities to rebuild and redevelop the Port of Beirut and surrounding areas. If adopted, the plan would be funded by the European Investment Bank.
Several actors have expressed interest in the reconstruction of the port. These include governments (mainly France and Germany), port authorities (Rotterdam, Hamburg, and others), international donor agencies (UN, World Bank, to name just... More › |
André Sleiman
is a governance and public policy practitioner specialized in local governance, the rule of law, and anti-corruption. |
Activities
October 2018
Fundamentals of Oil and Gas Governance
An LCPS-NRGI Course
by the MENA Natural Resource Governance Hub
The Natural Resource Governance Institute (NRGI) and the Lebanese Center for Policy Studies (LCPS) have teamed up to establish...
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November 2017
How Are Resource-Dependent MENA Countries Coping with Low Oil Prices? Governance, Macroeconomics, and Diversification
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Since 2014, oil prices have declined to their lowest level in twelve years. In parallel, recent trends, including shifts in energy demand, the abundance of...
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September 2017
Fundamentals of Oil and Gas Governance
An LCPS-NRGI Course
by the MENA Natural Resource Governance Hub
The Natural Resource Governance Institute (NRGI) and the Lebanese Center for Policy Studies (LCPS) have...
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