【全非资讯·加纳】 加纳：加纳银行对空头支票违规者加大惩罚力度

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加纳银行（BoG）宣布对开具空头支票的客户实施更严厉的制裁，以遏制尽管此前采取了抑制措施却依然持续增加的此类行为。\n\n在该央行于2026年6月24日发布的一则通知中，央行对部分银行及专业存款机构（SDI）客户继续开具拒付支票的行为表示关切，并警告称这一趋势正在破坏公众对该国支付系统的信心。\n\n该通知编号为BG/GOV/SEC/2026/12，出台了一套分级制裁机制，旨在震慑违规者并维护支票交易的完整性。\n\n加纳银行发布并由秘书Ms Aimee Vyda Quashie签署、抄送给The Ghanaian Times的声明称，根据新指令，首次开具空头支票的客户将被处以相当于支票面值10%的罚款。\n\n该客户还将收到银行或专业存款机构的正式警告，并接受至少一年的监控。\n\n声明称，违规详情将被通报给征信局和加纳银行。\n\n声明指出：在第一次违规后的一年内再次犯案的客户将面临更严厉的惩罚。第二次违规将面临支票面值15%的罚款，并伴随另一次警告以及向相关机构的新一轮通报。

中文导读

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原文原文 / Original Text

The Bank of Ghana (BoG) has announced tougher sanctions against customers who issue dud cheques to check the persistent rise in the practice despite earlier measures introduced to curb the offence.

In a notice issued on June 24, 2026, the central bank expressed concern over the continued issuance of dishonoured cheques by some customers of banks and specialised deposit-taking institutions (SDIs), warning that the trend was undermining confidence in the country's payment system.

The notice, numbered BG/GOV/SEC/2026/12, introduces a graduated sanctions regime aimed at deterring offenders and safeguarding the integrity of cheque transactions.

A statement issued by the BoG and signed by the Secretary, Ms Aimee Vyda Quashie and copied to The Ghanaian Times, said under the new directive, a customer who issued a dud cheque for the first time would be charged a penalty equivalent to 10 per cent of the cheque's face value.

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The customer would also receive a formal warning from the bank or SDI and be placed under surveillance for at least one year.

The statement said details of the offence would be reported to both the Credit Reference Bureaus and the Bank of Ghana.

"Customers who repeat the offence within a year of the first incident will face stiffer penalties. A second offence will attract a levy of 15 per cent of the cheque's value, accompanied by another warning and fresh reporting to the relevant authorities," the statement said.

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