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جعاله؛ کارگشاترین عقد در بین ۱۰ عقد نظام بانکی

جعاله؛ کارگشاترین عقد در بین ۱۰ عقد نظام بانکی

از رایج ترین شیوه های اعطای تسهیلات در بانک‌ها عقد جعاله است، مواد ۵۶۱ تا ۵۷۰، تبصره ماده ۳ قانون عملیات بانکی بدون ربا، مواد ۶۶ تا ۷۰ آیین نامه اعطای تسهیلات بانکی مصوب ۱۳۶۲/۱۰/۱۴ به این عقد پرداخته اند، اعطای تسهیلات از طریق ۱۰ عقد شرعی صورت می‌گیرد: قرض الحسنه، مشارکت مدنی، مشارکت حقوقی، مضاربه، مسابقات، مزارعه، فروش اقساط، اجاره به شرط تملیک، سلف و جعاله
بانک‌ها با توجه به کاربردهایی که عقد جعاله در آسان کردن روابط حقوقی فی مابین خود و مشتری دارد و همچنین احکام و آثار سایر عقود را در قالب خود به همراه دارد بیشترین گرایش را به تشکیل روابط حقوقی خویش در قالب آنرا را دارند؛ مطابق با احکام جعاله علم اجمالی طرفین به عوضین کافی است؛ در حالی که بر طبق قواعد عمومی قراردادها معلوم و معین بودن مورد معامله از شرایط اساسی صحت هر عقدی است؛ بعلاوه جعاله می‌تواند آثار و نتیجه برخی از عقود دیگر را داشته باشد لذا از این رهگذر است که در عمل دیده می‌شود بانک‌ها قراردادهایی در قالب عقد جعاله منعقد می‌کنند که فقط صورتی از جعاله را دارد ولیکن در محتوا متفاوت است
ماده ۶۷ آیین نامه فصل سوم قانون عملیات بانکی و ماده ۲ دستورالعمل اجرایی جعاله مقرر داشته که بانک‌ها می‌توانند به منظور ایجاد تسهیلات لازم، برای گسترش امور تولیدی، بازرگانی و خدمات با تنظیم قرارداد بعنوان عامل مبادرت به جعاله نمایند.
همانطور که گذشت مواردی که بانک‌ها بواسطه جعاله می‌توانند وارد عملیات گردند بسیار زیاد است که بانک‌ها میبایست سپرده های مردم را در امور اقتصادی بکار گیرنده در قالب جعاله بکار گرفته می‌شود.

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