Bankirapuse: masitepe, zizindikiro mawu

M'malamulo Russian pali gulu malamulo, monga bankirapuse. The chakudya okhudzidwa zochita zolimbana kungabweretse mabungwe mwakuthupi komanso malamulo. ndi mfundo za kayendetsedwe bankirapuse kwa mitundu onse a mabungwe alamulo chiyani?

bankirapuse Kodi

Lingaliro la "bankirapuse" angathe kutanthauziridwa mu njira ziwiri.

Choyamba, mawu akhoza kumva ngati boma limene wamangawa Mukaganizira cholinga, alibe mwayi kuthetsa ndi angongole. Nkhani ya ngongole ndi zambiri - banki ngongole. Koma zingakhalenso ngongole operekedwa ndi Mwachitsanzo, ndi microfinance bungwe amene alibe chilolezo banki kapena munthu payekha. Phunziro kuchira akhoza kukhala udindo wa nzika kapena bungwe akuwuka kwa malipiro kuvomerezedwa kuti chuma cha boma (mwachitsanzo, misonkho, alimony ndi milandu zina).

Chachiwiri, lingaliro la bankirapuse likhoza kulumikizidwa ndi ndondomeko, imene insolvency wobwereka anasonyeza mwalamulo. Si lilibe kuti mfundo chitadutsa chikhalidwe chuma ngongole zambiri mosavuta. Izi zikhoza kukhala chifukwa Mwachitsanzo, chakuti wokongoza avomera kuti thanani mbali ya ngongole. Kupereka pakalibe amanena kuti wobwereka kapena kuchepetsa zinthu ndalama kuthetsa mgwirizano pa siteji ya bankirapuse kwakenso kukhala.

Russian wopanga malamulo limachititsa anthu malamulo, ndipo posachedwapa ndi nzika amapezerapo mwayi wochita zimenezi. Borrowers akukumana movutikira kuyambitsa ndondomeko bankirapuse, tizidalira kukonzanso, mwinanso ngongole lemba wolemera m'njira zotchulidwa mu malamulo. Pankhaniyi, udindo wa anthu zinatha achilengedwe kapena bungwe sali pa nthawi imene bwanji zogwirizana njira, ndi pa chomaliza ndondomeko kulankhulana ndi wobwereketsayo. Gawo loyamba la bankirapuse sanasonyeze kuti wobwereka ali wofunikila ayesedwe insolvent.

Mayendedwe a zinatha pansi malamulo

Koma kodi zizindikiro za "zinatha" udindo chilamulo Russian? Amaona kuti kuwonedwa mu khoti mfundo zimene zimasonyeza kuti munthu kapena gulu ali alibiretu mphamvu kukumana pempho ngongole, ngakhale pansi zikhalidwe za kukonzanso ndi mapindu ena zotheka. Pankhaniyi, mwamsanga pamene gawo lonse la bankirapuse ndi anamaliza, munthu kapena kampani kupeza udindo chogwirizana ndi mangawa adzabwezedwa chifukwa kugulitsa katundu wobwereka lapansi.

Choncho, munthu kapena bungwe limene anayambitsa ndondomeko mu funso, zomwe poyamba suona untenable ku mfundo ya zamalamulo view. Koma ngati pa siteji iliyonse ya ndondomeko bankirapuse, likukhalira kuti iwo sangathe kutumikira ngongole pa mawu alandiridwa zinthu wokongoza m'kupita kwa munthu kupeza za zogwirizana. Iwo amakhala mwalamulo dipo.

Taganizirani mmene siteji ya insolvency (bankirapuse) mu nkhani ngati wobwereka - munthu wachibadwa. Mwina kudziŵika kuti Russian malamulo m'dera ubale kasamalidwe ngongole ndi mbali kwa nzika mbali ya kuzindikira insolvency awo ndalama - mwachilungamo latsopano. malamulo kale kwathunthu malamulo okha bankirapuse mabungwe.

Features za ndondomeko bankirapuse anthu

Chinamwali cha ndondomeko ku funso akuyamba ndi chithandizo cha ngongole kapena ngongole m'bwalo. Nthawi zina, njira akhoza chokhudzana ndi mabungwe a boma. Nchakuti mawu nzika ayenera kugwiritsa ntchito kwa nyumba yogona. Pa nthawi imeneyi, ngongole ake okwana akhale 500 zikwi. Rubles ndi zambiri. muyeso wina chofunika kwa chinamwali zakulephera njira - malipiro overdue kwa miyezi 3.

Atalandira yofunsira kwa nzika, khoti anatsimikizira n'loonadi ake. Ngati pempho complies lamulo, ndipo munthu ali ndi mphamvu zochepa kulipira, ndiye anazindikira ndondomeko ya kukonzanso ngongole, zomwe zikusonyeza zosabvuta pa katundu ndalama wobwereka lapansi. Anamuika woyang'anira chuma amene adzachitira ndi nkhani zogwirizana magawo onse chifungulo cha ndondomeko ku funso. Iye amachita ntchito ufulu: pakuti amayenera kulipira zochuluka kuti wobwereka 10 zikwi rubles, komanso kulanda 2% la ndalama, kenako adzachira ku wamangawa ngongole ya ... Officer Financial amayamba siteji yotsatira bankirapuse, makamaka msonkhano wa angongole. Mamembala ake ndi kupanga zonena m'kaundula ndi wokongolayo.

Bankirapuse wa anthu chachilengedwe: zoletsa

Nzika pambuyo mwambo wa ndondomeko bankirapuse ndi chiphaso cha ntchito chogwirizana ndi bwalo malinga ndi lamulo, sangakhale chipani mitundu ina ubale malamulo. Komanso motsutsa izo amakhazikitsa zingapo zofunikila pa ntchito wosiyanasiyana. Mwachitsanzo, wamangawa mwina kusamutsa katundu mu kapangidwe ka gawo likulu la kampani, kuti akhale ngati wogula la magawo kapena pamtengo mu makampani. wobwereka nazonso ololedwa kulowa mu ubale malamulo yokhudza wotuluka ali mu chikhalidwe cha ndalamachi. Munthu sangakhoze kugula kapena kugulitsa masheya, magalimoto kapena katundu wina, ngati ndi ofunika kuposa zikwi 50 rubles, ndi kusamutsa katundu monga ina - .. Ngati woyang'anira chuma safuna ntchito zogwirizana. Iwo ulibe ufulu wochita monga udindo wokongoza nawo makonzedwe a ukutitsimikizira.

Mfundo yaikulu ya kukonzanso

Ngati tikambirana siteji chifungulo cha bankirapuse mawu a kuchira ndalama za ngongole kuphatikizapo mu kukonzanso akhoza kuzindikiridwa. Iwo amakhala ndi zinthu zotsatirazi:

- adzapereke chiwongoladzanja chilichonse, ndalama chilango, komanso ndalama kapena chilango ikutha;

- Kukwanilitsa Kuthi (ngati) tidzakwatulidwa inaimitsidwa ngati gawo amafuna sali m'gulu alimony, chipukutamisozi kumawononga kapena kubwerera kwa katundu likhale lamulo;

- zonena angongole chuma 'ndi kuperekedwa kwa bwalo.

Kamodzi adamulowetsa ndondomeko ya kukonzanso, bwana ndalama ndi angongole ali ndi ufulu chakuti vuto wotuluka yapachiweniweni amkazi wa wobwereka kugwiridwa ndi iwo kwa zaka 3.

dongosolo kukonzanso

Zofunika kwambiri chigawo chimodzi cha kukonzanso kwa - pulani yoyenera. Izo zikhoza kukhala ngati ngongole ali ndi ndalama zonse, mulibe kale anazindikira m'njira zotchulidwa akupsya ndipo sichinayambe mlandu pa milandu zachuma. The ndondomeko funso, fotokozerani za ukulu, nthawi ndi alipire ma aligorivimu.

Kutalika pazipita kuphedwa dongosolo kukonzanso - zaka 3. Nkhani lolingana nthawi wasenza kulamulira ndalama, ndipo ziyenela kuvomelezedwa ndi ndalamawo. Pambuyo dongosolo anagwirizana ndi gulu anthu ubale malamulo, zikhoza zapita ovomerezeka ku khoti.

Ngati chikalata mu funso, si wovomerezeka mwa dongosolo kuyamba, nzika mu nkhani iyi ayenera dipo. Koma ngati dongosolo wavomerezedwa ndi nzika zonse ubale malamulo mu chimango cha ndondomeko kuzindikira wobwereka insolvent, izo limodzi ndi zotsatira malamulo:

- angongole sangakhoze kusintha zofunikira kwa ngongole, amene wavomerezedwa chiwembucho, ndipo si kulandira chipukuta misozi zomvetsa kuti ayende kukhazikitsidwa ndi chiyanjo cha chikalatacho zogwirizana;

- ngati bwalo watenga miyeso zina zokhudzana pempho ngongole wotetezedwa, iwo zimafika;

- aliyense zilango woyikidwa kulephera kukwaniritsa udindo anazindikira mu dongosolo kukonzanso, pamene zimafika;

- kuchuluka kwa ngongole wobwereka kumawonjezera correlatively ndi mlingo wa refinancing (mu peresenti pa annum), ndi kuchepetsa zotheka kwa phindu lokwanira ndendende pa mgwirizano zipani.

Dongosolo kukonzanso ali bwino akuti kuphedwa. Patatsala mwezi umodzi kuti amatha Officer Financial adzakonza lipoti, kumene kumasonyeza mmene kusamalidwa bwino malipiro mwambo wa wobwereka pa chikalatacho. Ngati munthu ali analephera kubweza ngongole malinga ndi dongosolo, ndi angongole, ndi bwana, angatanthauze khotilo kuti asinthe chiwembu chikalatacho.

The Court, atamuyesa, monga nzika kukwaniritsa udindo wake pansi pa dongosolo, kupanga pankhani kumalizidwa kwa gawo lino la bankirapuse, monga kukonzanso kapena amapha chikalata ndi kuzindikira wobwereka defaults.

Kuzindikila bankirapuse

Choncho, ngati dongosolo mu funso sakhala ndi wokongolayo, khoti N'kutheka kuvomereza nzika mu udindo wa munthu zinatha. Pambuyo pake, udindo wobwereka kuti angongole ayenera kukwaniritsa ndi kugulitsa katundu wake. Pankhaniyi, pali magawo a malo amene sangathe anachira.

Ngati khoti analandira bankirapuse, gawo lotsatira la ntchito za mabungwe alamulo nawo mauthenga zogwirizana tidzakwatulidwa akuyendera mwa miyezi 6. Nthawi imeneyi, nzika mukhoza kuletsa kuyenda kunja. Komanso, zoletsa zina akhoza ziletso pa kulemekeza ntchito zake. Mwachitsanzo, loletsa pa kutsegula kwa nkhani ndi madipoziti mu ngongole ndi mabungwe ena azachuma. The ulamuliro koyenera kupulumutsa woyang'anira chuma.

The zotsatira za bankirapuse anthu

Mmene nzika akhoza ufulu wawo pambuyo chikudutsa ndi magawo onse a Kuthi bankirapuse? Choncho, pali mabuku angapo mokoma kulowa anthu mu ena ubwenzi. Mwachitsanzo, ngati munthu dipo mwa zaka 5 pambuyo akamaliza ndondomeko angafune kutenga ngongole, akanayenera kuti awadziwitse wokongoza za mthupi mwawo. Komanso pa zaka 3 pambuyo kuzindikira ndalama insolvency nzika sizingatiletse apamwamba mu dongosolo kasamalidwe ka gulu.

pangano mwamtendere

Imodzi mwa mfundo zina zabwino ndi otchuka amene amadziwika ndi ndondomeko zimenezi, bankirapuse - pangano Pamudzi. Iwo akhoza kutanthauziridwa mu njira ziwiri.

Choyamba, kudzera mwa pangano Pamudzi ndi ngongole ndi ngongole angathe kugwirizana kuti muletse ngongoleyo. Kachiwiri ziwalo mabungwe alamulo ali ndi ufulu kuyambitsa Kulipira Kuthi bankirapuse - kukhoti. Pankhaniyi, wobwereka akupitiriza kutumikira ngongole pa mawu alandiridwa wobwereketsayo.

bankirapuse a mabungwe alamulo

Takambirana mbali yaikulu zomwe ndi bankirapuse (siteji monga njira nkotheka, ophunzira) ntchito kwa anthu achilengedwe. Ife tsopano kuphunzira kulunjika cha kuzindikiridwa kwa insolvency ndalama mabungwe.

Mwina kudziŵika kuti magawo yaikulu ya bankirapuse mabungwe malamulo wonse lifanane ndi iwo amene khalidwe la njira zogwirizana nawo nzika. Pa nthawi zonsezi chochuluka ntchito ikuchitika ndi amodzi malamulo mabungwe - ndi wokongoza, wobwereka, bwana ndalama (mu nkhani ya mabungwe alamulo - chigamulo), ndi bwalo. Mwa njira zofunika pansiyi anayambitsa ndi malamulo chilli bankirapuse - siteji ya kuonerera, umalimbana kuonetsetsa chitetezo katundu kampani. Koma pali ena zimene zimapezeka mabungwe mbali zina za kuzindikira insolvency. Zidzakhala zothandiza kuphunzira iwo.

Bankirapuse a mabungwe alamulo: kuchuluka kwa ngongole

Organization pa siteji ya bankirapuse (ie, iwo amene ali m'mavuto ndalama zofunika kuchita chikugwirizana ndi utumiki ngongole) akhoza kuzigwiritsa ntchito bwalo ngati ngongole yawo ndi 300 zikwi. Pakani. Monga mukuonera, apa muyezo zogwirizana ndi ngakhale poyerekeza anthu.

Pankhani mabizinezi njira, komanso mabungwe amene udindo owona zachilengedwe, pakhomo ndalama kukhoti kwa iwo ndi apamwamba - 1 miliyoni rubles.

kusankhidwa

Malamulo chilli, kuyambitsa Kuthi bankirapuse, mukhoza kusankha ulamuliro wa. Onani kuti lamulo anaonekera posachedwapa mu malamulo. Isanafike oyamba ake, monga taonera ndi akatswiri ena, mabungwe akhoza perekani kulamulira mnzanga, ndiye anthu amene m'posavuta kuti awawonetse kuonjezera kukhulupirika. Pa nthawi yomweyo kunena maganizo awo pa ntchito yoika munthu ndi malo oyenerera mungapange wokongoza.

Bankirapuse ndi chigamulo mphoto

Kuphunzira mikangano yokhudza mabungwe alamulo kawirikawiri ikuchitika ndi Anatsegula milandu arbitral. mthupi mwawo losiyana kwambiri ndi mabungwe boma. Lamulo malamulo a bankirapuse a mabungwe alamulo, pali mlingo pa zimene kuzipeleka kwa ofunsira insolvency zimatheka ngati pali malemba kuphedwa pa zotsatira za zisankho za chigamulo. ulamuliro imeneyi imagwira ntchito kwa wokongoza kuti si anawerengedwa mwa unsembe akuchipatala monga mabungwe azachuma amene amakhazikika akamapatsa ngongole kwa mtundu yoyenera. Mwina ananena kuti ulamuliro anaonekera kale jurisprudence, koma posachedwapa izo chili m'malamulo pa mlingo la feduro.

Udindo wa anthu milandu bankirapuse

Pa siteji iliyonse ya bankirapuse a mabungwe alamulo antchito a mabungwe audindo kiyi anapatsa woyang'anira ndi zonse zofunika, komanso kukhutitsidwa wofanana zofuna za angongole zonse ndi zolondola kuchokera amazionera la chilamulo, khalidwe. Ngati akuluakulu a makampani mu ulemu umene ndondomeko bankirapuse, kulola kuyan'anila, chilango utsogoleri akhoza ziletso pa iwo. Iwo akhoza kukhala mozungulira 100 zikwi. Opaka.

Takambirana mbali yaikulu ndiponso siteji ya bankirapuse anthu ndi mbali zapadera ndondomeko gulu. Mwina kudziŵika kuti malamulo Russian amapereka ophunzira ubale malamulo mu dera la ngongole mokwanira njira chilungamo malamulo kuthetsa mavuto kugwirizana ndi alipire ngongole.