阿辛北区国会议员詹姆斯·贾奇·奎森

阿辛北区国会议员詹姆斯·贾奇·奎森指控在加纳运营的外资银行设置了严苛的金融条件，这些条件使本土企业几乎不可能蓬勃发展。

主要问题分析

奎森先生在向媒体发表讲话时强调："我们在加纳金融领域（乃至整个非洲）面临的最大问题在于，我们面对的都是外资银行。这些外资银行来到非洲地区后自行制定规则，而这些规则苛刻到几乎让任何企业主都无法成功。"

具体问题清单

• 抵押物要求僵化：除土地/房产外缺乏灵活性
• 利益导向明显：银行更关注自身收益而非企业发展
• 利润挤压严重：企业收益被银行利息过度侵蚀

"他们收取着本应属于企业用于发展业务的全部利润，而西方国家却享受着低至5%的利率。看看我们的银行利率吧——我听说有些达到24%、28%、30%！"

原文：

MON, 21 APR 2025   

Assin North MP James Gyakye Quayson

Assin North MP James Gyakye Quayson has accused foreign banks operating in Ghana of setting harsh financial conditions that make it nearly impossible for local businesses to thrive.

According to him, these banks impose tough terms, including high interest rates and rigid collateral demands, which continue to stifle indigenous businesses.

Speaking to the media, Mr. Quayson said while these same foreign banks offer interest rates as low as five percent in Western countries, they charge Ghanaian businesses rates as high as 30 percent.

“The biggest problem we have in Ghana, in the financial sector, as well as Africa in general, is because we are dealing with foreign banks,” he said. “These foreign banks come to our continent and establish their own terms and conditions. And the terms and conditions are so harsh that it’s almost impossible for any businessman to succeed.”

He added that, “They care about what they’re going to get out of us. The problem we have is mainly about collateral. I mean, you’re starting a business — what do you have as collateral apart from maybe your land or estate? And they are not willing to compromise.”

“Look at the interest rate. With some of our banks, I hear 24%, 28%, 30%, while in the West, they are enjoying 5%. So they are collecting everything the business person should have been earning to grow the business,” he said.

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