Bwana ndalama bankirapuse wa anthu chachilengedwe: zofunika, ufulu, maudindo

Osati kale litali, boma la Russia linakhazikitsa lamulo kusodza pa bankirapuse kapena insolvency nat. anthu. njirayi ndi zovuta ndi Mipikisano gawo. Mu ndondomeko ya kuzindikira insolvency wa nzika, monga mwa chilamulo, ayenera woyang'anira chuma nawo. Kodi mphamvu zimene ali nazo ndi zimene chikoka pa bankirapuse?

The bankirapuse munthu wachibadwa

Si chinsinsi kuti ambiri a ife titenge mu mabanki ngongole zolinga zosiyanasiyana. Nthawi zambiri pali m'moyo, imene alipire zina ngongole kumakhala kovuta. Kwa nthawi yaitali vuto linali n'ngosathetseka - mabanki akuzengedwa mlandu wa amangawa, akuluakulu a ndalama deta nawo. Mu chaka chapitachi zinthu zasintha ukasintha: mfundo za chuma za Consolidated makhoti chigamulo, lamulo zapita insolvency kapena bankirapuse nat. anthu.

ndondomeko bankirapuse

magawo atatu a ndondomeko akufotokozera lamulo. Njirazi ndi monga:

• Ngongole kukonzanso.
• Kuzindikira za makina ndi osasunthika chuma cha munthu.
• pangano A Pamudzi ndi angongole ake.

Ikani ku khoti chigamulo kulengeza bankirapuse chiyani nzika yekha, ngongole bungwe kapena ofesi yokhomera msonkho. Kuchuluka kwa ngongole kukhala oposa theka miliyoni rubles. Popeza kukhazikitsidwa kwa ngongole kuti ayenera kukayezetsa masiku 90. ntchito ayenera kupanga mndandanda wa chuma, makope a zikalata pa wotuluka oposa 300 000, kalata ya malipiro a misonkho, ndalama.

Ngongole kukonzanso monga ndondomeko ndi anayambitsa pambuyo kuzindikira ntchito ndi phokoso payekha. Kukhazikitsa chuma akhoza ikuchitika ngati ngongole kukonzanso sanapereke zotsatira. Pankhaniyi, nzika ya dipo. pangano kuthetsa akhoza walemba pa siteji iliyonse ya ndondomeko.

Lingaliro la ulamuliro ndalama

Bwana ndalama Amasankhidwa ndi bwalo yomweyo pambuyo kulingalira ntchito nzika ya insolvency. Munthu uyu ayenera akwaniritsa zofunikira za malamulo Russian. Kuthetsa kumam'phunzitsa kuthandiza lonse bankirapuse ndondomeko - kuchokera kutolera mfundo za chuma ngongole kuti kukwaniritsidwa kwa malo - ndi ntchito ngati mudzagwiritse ufulu kubweretsa udindo wa aliyense wa zipani kwa ndondomekoyi.

kachirombo

Choncho, bwana ndalama bankirapuse anthu kwathunthu silipita magawo onse a ndondomeko, ndicho:

• Izo amaweruza mphamvu ndalama wokongolayo.
• Interacts ndi angongole.
• amazilamulira moyenera kukumana zofuna panopa angongole.

Ndipotu, udindo wake ndi kuti ayimire pakati pa zisudzo zinakhalira mu ndondomeko bankirapuse kuzindikira ndi chifaniziro cha udindo wawo bwalo. Komanso, woyang'anira chuma akulamulira khalidwe la chuma cha ndondomeko nzika ndipo wavomera kuchita zosiyanasiyana wotuluka nazo kuti kutsatira zofuna za mabungwe ngongole ndi ngongole. The bwino kuti asankhe ofuna amalamulira amangawa onse ndi angongole. Monga ulamuliro, bwana, kuika patsogolo ndi ndalamawo kuteteza makamaka zofuna zawo. Choncho, wamangawa n'zomveka kusankha bwana, amene kuyesetsa kuteteza malo awo.

zofunika

Malinga ndi malamulo bankirapuse, pali zinthu kuti anakumana ndi bwana ndalama. Zofunika ndi izi:

• Kupanda zolinga munthu ndi chidwi, komanso malingana ndi nzika za zinatha kapena ngongole mabungwe.
• Chosowa mangawa kwambiri chifukwa ntchito molakwika ntchito ngati woyang'anira chuma (zinthu zowonongeka ayenera ikutsimikizidwanso pa chisankho khoti).
• Palibe umboni chigawenga.
• Pakalibe mangawa, chimene chinapangitsa za kukhazikitsidwa kwa ndondomeko bankirapuse.
• Pakalibe udindo wa inaimitsidwa kapena kuwadula ndi ufulu kugwira ntchito zawo malinga ndi lamulo feduro.

Manager ayenera chilolezo kugwira ntchito zawo, komanso maphunziro a akatswiri kumunda zachuma kapena malamulo. Choyambilira ntchito ulamuliro ndi udindo wa inshuwaransi pa kuwonongeka kwa m'mbali mwa njira.

Kusankha kulamulira zachuma

bwana ndalama bankirapuse nat. anthu zambiri osankhidwa akuluakulu a bungwe loweluza. Mu neno pa lililonse la bankirapuse mlandu nzika adzauka amasonyeza mabungwe kudziletsa zolimbana (SROs) ndi munthu winawake amene adzachita bwana ndalama, koma chigamulo pa udindo wake adzapatsidwa mwa bwalo. Popanda gulu kudziletsa zolimbana mwa ntchito si. Togo, amene adzalembedwa nchitozi, zosatheka kuwerengetsa, chifukwa bwana amusankha ku ziwalo zonse za gululi. Nkofunika kudziwa kuti ufulu wosankha ndi CPO ndi ofuna yeniyeni anapatsidwa obatizidwayo - ndi ngongole kapena ngongole.

malipiro a ntchito

bwana ndalama bankirapuse ntchito pa ndalama maziko. Nzika, kulengeza yekha zinatha, adzakhala kulipira misonkhano imeneyi, ndipo ayenera kupanga gawo milandu yambiri atathana - 10 zikwi rubles. ndalamazo ndi mtengo wa ndondomeko yokha. M'pofunikanso kulipira ulamuliro 2% kuchuluka mudzalipidwa ngongole kapena ku chimaposa ndalama m'kupita kwa bankirapuse malo. Pa nzeru za msonkhano wa angongole kukula kwa Malipilo mwina kuchuluka ngati n'koyenera. mphotho Cash tidzakwatulidwa chikalata nthawi yomweyo pambuyo akamaliza Kuthi ndi bankirapuse ndi chidwi - pambuyo akamaliza m'midzi counterparties ndi ndalama kutengerapo nkhani zawo. Ngati ulamuliro liyenela wamangawa-nzika malipiro ntchito iliyonse zina, zimenezi ndi zosaloledwa. Akupsya akhoza kuzigwiritsa ntchito bwalo.

Manenjala zachuma bwino

La feduro lamulo bankirapuse wa anthu thupi amapereka angapo ufulu wa kulamulira ndalama zoti:

• Mwayi amakana zofuna za magulu a Kuthi bankirapuse.
• Kukhazikitsa mndandanda wa mfundo za zinthu za makina ndi osasunthika katundu wa munthu, kuphatikizapo zopempha mwachindunji kwa makonsolo ndi boma.
• Lamanja la angongole 'kusonkhanitsa msonkhano, ngati n'koyenera.
• Ufulu kuyang'anira dongosolo kukonzanso kwa bankirapuse ngongole.
• Luso kulandira kafukufuku amasinthira kapena magwero ofanana mauthenga, monga anapereka Act izi.
• Ufulu kugulitsa katundu, Kulipira kapena yokonza wotuluka onse.
• Ufulu ufulu ena chinanena mu Federal bankirapuse Act.

Udindo wa ulamuliro ndalama

Kuthetsa mu bankirapuse munthu lachibadwa ndipo angapo ntchito, monga:

• The deta ndi gulu la misonkhano ya angongole, amene anapereka lamulo pano.
• Kuunikira kukhazikitsa dongosolo la kukonzanso ngongole.
• Analysis wa mphamvu ndalama kwa nzika zonse zinatha.
• Kupanga lipoti ndalamawo ntchito ikuchitika kamodzi pa miyezi 3.
• Kubweza ngongole ngongole kwa ulamuliro angongole.
• Tingamudziwe milandu la bankirapuse mwadala ndi kanthu moyenerera.
• Review ndi kusanthula dongosolo patsogolo malipoti ngongole kukonzanso.
• udindo zina chifukwa Act bankirapuse.

Dongosolo la mogwirizana ndi bankirapuse

Officer Financial ngati bankirapuse wa anthu thupi adzakhala lakuti kuti kulumikiza zinthu zonse zimene mudziwe kuti tikuyesera zokhudzana ndi bankirapuse wa nzika payekha. nkhani zimenezi ndi monga zokhudza makina ndi osasunthika katundu ndi malo ake, komanso katundu ufulu ndi udindo wokongolayo, akupanga ku akaundula, zinasokoneza makompyuta.

Udindo wa nzika za zinatha zikuphatikizapo makonzedwe a nkhani iyi kwa zinanso ndi bwana ndalama pasanathe masiku 15 pambuyo pempho. Ngati zimenezi palibe zinatha, bwana ndalama ali ndi ufulu wotilamula iwo mu khoti.

wokongolayo ayenera kupereka uthenga onse akutsutsa makina ndi osasunthika katundu ili mu malo ake. Kubisa zambiri kuchokera kulamulira zachuma komanso chilengedwe cha mavuto kukonzekera kumatanthauza nzika udindo monga mwa lamulo.

Ngati bwana walandira nkhani zonse zokhudza, utumiki, zakubanki zambiri malonda kapena ena kuti kutetezedwa ndi lamulo, sakhoza kuulula izo. Ngati izi zitachitika, chingandithandize chilango boma kapena utsogoleri, ndi zinthu zina ndi chigawenga, ndipo adzakhala indemnify.

Kodi kuchotsa kulamulira ndalama zotheka?

Chotsani munthu winawake amene amachita bwana azachuma,. Izi angayambe ndi mbali ndi mbali imodzi ya ndondomeko bankirapuse, kusankha kuchotsa wavomerezedwa ndi bwalo. Pankhaniyi, pali m'malo. kanthu zibwere kuchokera woyang'anira bungwe kapena kudzikonda zolimbana.

Chifukwa kuchotsa akhoza kukhala kuchepa khalidwe ntchito pamene:

• chisankho uyu adagwiridwa pamsonkhano wa angongole.
• The akhoti anali wosangalala ndondomeko amadandaula, m'mbali mwa kuphwanya ufulu wawo, kupweteka kapena zomvetsa zochitika za ulamuliro yeniyeni.
• Odzi- zolimbana bungwe inaimitsidwa bwana chifukwa cha kuchita chokhumudwitsa utsogoleri kapena upandu.

Choncho, woyang'anira chuma - chimunthu zofunika mu nthawi ya bankirapuse munthu wachibadwa. Iye ali wodziwa zambiri zonse zokhudza chuma ngongole. Choncho, zabodza deta ndi zoletsedwa. Chilamulo, ndalama woyang'anira ntchito anakhazikitsa lamulo bankirapuse. Kuthetsa - munthu palokha nawo bankirapuse, amene ntchito yake yokha pa amalipiritsa maziko.