مسؤولية المصرف المدنية عن صرف صك مزور من خلال المقاصة الإلكترونية : دراسة مقارنة

Abstract EN

This research aims to study the issue of the electronic clearing of cheque/instrument that is one of the new services released by the banking sector in order to reduce the time and effort in collection of cheques.

This electronic system has already been started in Iraq in the fourth quarter of 2010 as it has become a trend among Iraqi banks to apply electronic clearing instruments.

As such, collection of cheques has been achieved in the same business day, especially, after releasing the first list of instructions, which organizes the dealing with the electronic clearing cheques/instruments in Iraq, by the Iraqi Central Bank, and this regulation is issued in Order No.

59,323 on 08/19/2010, as well as the issuance of the Iraqi Council of Ministers resolution No.

186 in 2014, that issued the electronic payment system of funds No.

3 in 2014.

As such, Iraq has become among the countries that have adopted the electronic clearing instruments as a technique developed for clearing cheques/instruments process.