Bank of Kigali (BK) yinjiye muri Cross-Border Interbank Payment System (CIPS), umuyoboro w’u Bushinwa ukoreshwa mu gutunganya ubwishyu mpuzamahanga, cyane cyane bukorwa mu mafaranga y’u Bushinwa, Yuan.
BK yabaye banki ya mbere mu Rwanda, ndetse n’iya mbere ifite icyicaro muri Afurika y’Iburasirazuba no hagati, yinjiye muri CIPS nk’umunyamuryango utaziguye.
Amasezerano ajyanye n’iyi ntambwe yasinyiwe i Xiamen mu Bushinwa ku wa 8 Nzeri 2026.
Kwinjira muri uyu muyoboro bibaye mu gihe ubucuruzi hagati y’u Rwanda n’u Bushinwa bukomeje kwaguka, ndetse n’igihe ihangana hagati ya Washington na Beijing rikomeje kugaragara mu bucuruzi, ikoranabuhanga n’imari.
CIPS ni iki, kandi BK izungukiramo iki?
CIPS ni uburyo bwashyizweho n’u Bushinwa mu rwego rwo koroshya no gutunganya ubwishyu mpuzamahanga bukoresha Yuan.
Kuba BK ibaye umunyamuryango utaziguye bishobora gutuma ubwishyu hagati y’abakiriya bayo n’abafatanyabikorwa bo mu Bushinwa burushaho kwihuta kandi bukagabanyirizwamo abahuza.
Ibi bishobora cyane cyane gufasha abacuruzi bo mu Rwanda batumiza ibicuruzwa mu Bushinwa cyangwa abohereza ibicuruzwa ku isoko ry’u Bushinwa.
Icyakora, kwinjira muri CIPS ntibivuze ko BK yavuye muri SWIFT, cyangwa ko u Rwanda rwahisemo gukoresha Yuan mu mwanya w’idolari rya Amerika. CIPS na SWIFT ni imiyoboro ifite imirimo itandukanye kandi ishobora gukoreshwa hamwe.
U Bushinwa ni umwe mu bafatanyabikorwa bakomeye b’u Rwanda mu by’ubucuruzi. Mu 2024, ubucuruzi hagati y’ibihugu byombi bwageze hafi kuri miliyari 1.76 z’amadolari.
Mu gihembwe cya mbere cya 2026 na bwo, u Bushinwa bwari bufite uruhare rwa 26.7% mu bicuruzwa u Rwanda rwatumije mu mahanga.
Muri uwo murongo, kuba hari uburyo butaziguye bwo kwishyurana mu Yuan bishobora gufasha ibigo n’abacuruzi bo mu Rwanda mu kwishyura abatanga ibicuruzwa bo mu Bushinwa, ndetse bikongera amahitamo igihugu gifite mu bijyanye n’imiyoboro y’imari mpuzamahanga.
Kugeza ubu, nta kimenyetso cyerekana ko Leta Zunze Ubumwe za Amerika yatangaje ibihano kuri Bank of Kigali kubera kwinjira muri CIPS.
Icyakora, Amerika isanzwe ifatira ibigo by’imari byo mu mahanga ingamba iyo bigaragara ko bifasha mu bikorwa by’abantu cyangwa ibigo biri ku rutonde rw’ibihano byayo.
Urugero ni Bank of Kunlun yo mu Bushinwa, yafatiwe ingamba na Amerika nyuma yo gushinjwa gutunganya ibikorwa by’imari bifitanye isano n’amabanki yo muri Iran yari ku bihano bya Amerika.
Izi ngamba zayibujije gukoresha zimwe muri serivisi za banki z’abahuza muri Amerika.
Urwo rugero ariko ntirushobora gufatwa nk’ikimenyetso cy’uko BK iri mu kaga nk’ako.
Icy’ingenzi ni uko ibihano bishobora gushingira ku bikorwa banki ikora n’abo ikorana na bo, aho kuba kuba ikoresha Yuan cyangwa kuba umunyamuryango wa CIPS gusa.
Kwaguka kwa CIPS biri mu bikorwa by’u Bushinwa bigamije kongera ikoreshwa rya Yuan mu bucuruzi mpuzamahanga.
Nubwo bimeze bityo, kuba CIPS ikomeje kwaguka ntibisobanuye ko Yuan igiye guhita isimbura Dollar. Idolari rya Amerika riracyafite uruhare runini mu bucuruzi mpuzamahanga no muri gahunda z’imari ku isi.
Ku Rwanda, kwinjira kwa BK muri CIPS bishobora rero gufatwa nk’ukongera amahitamo mu miyoboro y’ubwishyu, aho kuba impinduka isimbura burundu uburyo busanzwe bukoreshwa mu bikorwa by’imari mpuzamahanga.
Bank of Kigali si yo banki ya mbere yo muri Afurika yinjiye muri CIPS.
Standard Bank yo muri Afurika y’Epfo na yo iri muri uyu muyoboro, ndetse mu 2026 yahawe uburenganzira bwo gutunganya ibikorwa by’ubwishyu bikoresha Yuan muri Afurika ku bufatanye na ICBC.
Nta bimenyetso byerekana ko Standard Bank yafatiwe ibihano na Amerika kubera kuba ikorana na CIPS. Ibi bigaragaza ko kuba banki iri muri CIPS byonyine bidahita bivamo ibihano bya Amerika.
Mu 2025, Banki Nkuru y’u Burundi yatangije gahunda y’igerageza yemerera ibigo 20 gukoresha Yuan mu kwishyura ibicuruzwa bitumizwa mu Bushinwa.
Iyi gahunda yari igamije koroshya ubwishyu mu bucuruzi hagati y’u Burundi n’u Bushinwa no kongera uburyo bwo gukoresha Yuan muri ibyo bikorwa.
Nta gihamya yizewe yerekana ko Amerika yafatiye amabanki y’u Burundi ibihano kubera iyo gahunda.
ku Rwanda
Kwinjira kwa Bank of Kigali muri CIPS biha u Rwanda undi muyoboro wo kwishyurana n’u Bushinwa, mu gihe ubucuruzi hagati y’ibihugu byombi bukomeje kwiyongera.
Ku bacuruzi, bishobora koroshya ibikorwa byo kwishyura mu Yuan no kugabanya bimwe mu bibazo bijyana no gukoresha abahuza benshi. Ku rwego rw’igihugu, bishobora kongera amahitamo mu mikoranire y’imari n’u Bushinwa.
Ariko kubera ihangana rikomeje hagati ya Amerika n’u Bushinwa mu bijyanye n’ubucuruzi n’imari, BK izakomeza gukenera kubahiriza amategeko n’amabwiriza mpuzamahanga arebana n’ibihano, ndetse no kugenzura neza ibikorwa by’imari inyuzamo.
Kugeza ubu, nta gihamya ko Bank of Kigali iri mu nzira yo gufatirwa ibihano na Amerika kubera kwinjira muri CIPS.
Icyagaragaye ni uko iyi banki yongeye undi muyoboro wo kwishyurana n’u Bushinwa, mu gihe u Rwanda rukomeje gushaka uburyo bwo kwagura ubucuruzi n’imikoranire n’abafatanyabikorwa batandukanye.
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