في عام 2023، تجاوز عدد الأفراد الممنوعين من استخدام الشيكات في المغرب 701,000 شخص، مسجلًا زيادة بنسبة 1.44% مقارنة بالعام السابق.
وتشير بيانات صادرة عن بنك المغرب إلى أن هذا المنع يرتبط بعدم القدرة على الوفاء بالشيكات أو ارتكاب مخالفات مالية متعلقة بهذا النوع من المعاملات. وقد شكل الأفراد نسبة 87% من الحالات، في حين كانت النسبة المتبقية 13% تتعلق بالشركات.
كما وصلت حالات الشيكات غير المسددة بحلول نهاية العام إلى 472,064 حالة، بزيادة قدرها 0.9% عن السنة السابقة، وبلغت القيمة الإجمالية لهذه الشيكات غير المسددة نحو 96 مليار درهم.
وفيما يتعلق بفئات المبالغ، تمثل الشيكات التي تتراوح قيمتها بين 1000 و50 ألف درهم حوالي 82% من الحالات، بينما الشيكات التي تتراوح قيمتها بين 10 آلاف و50 ألف درهم شكلت نسبة 37%.
وقد شهدت تصريحات تسوية الشيكات تراجعًا بنسبة 29.4%، حيث انخفض عددها من 181 ألف إلى 127,858 تصريحًا خلال العام.
وتشمل العقوبات المفروضة على الأشخاص الممنوعين من استخدام الشيكات غرامات مالية وقيود تمنع إصدار شيكات جديدة لفترات محددة.
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