Pezani pasipoti

Pasipoti yophatikizapo ndizolemba, momwe ntchitoyo ikuyendetsera ntchito yoyenera kubweza malipiro pakati pa munthu wokhalamo komanso wosakhala, pamene ndalama zopanda ndalama zimadutsa malipoti okhazikitsa:

- monga malipiro a katundu (ntchito kapena ntchito) zomwe zimatumizidwa kapena kutumizidwa ku gawo la chikhalidwe cha dziko, zogulitsidwa pansi pa mgwirizano wamayiko akunja olembedwa ndi bungwe lalamulo;

- mu kukhazikitsidwa kwa interstate ngongole ndi kubwereka.

Pasipoti yophatikizapo, yomwe ili ndi deta yoyenera yokonzekera malipoti ndi malipiro okhudzana ndi kusinthanitsa ndalama, ikugwiritsidwa ntchito ndi mabungwe omwe ntchito zawo zikuphatikizapo ntchito yowunika kuyendetsa ntchito zogwirizana pakati pa okhalamo ndi osakhala. Kuphatikiza pa chikalata ichi, mavoti amatsimikizira kuitanitsa kapena kutumizira katundu, komanso zochita zomwe asayinidwa ndi maphwando popereka chithandizo, kugwira ntchito kapena kuchita ntchito zowunikira, amaperekedwa kwa mabanki ovomerezeka. Mabungwe awa azachuma amayang'anira mgwirizano wa zachuma.

Kugulitsa malingaliro pakati pa anthu okhala m'mayiko osiyanasiyana kungapangidwe pokhapokha pasipoti yoyenera ya msonkhanowu yakhazikitsidwa. Chilembo ichi cha mgwirizano woterewu chiyenera kukhala ndi deta pa chiwerengero cha ndalama ndi njira zina. Kusamalirira ndalama kumafunika kokha ndi banki kumene pasipoti yoperekedwayo inaperekedwa. Pali zosiyana ndi zochitika zachuma zakunja, pamene kukonza kalata iyi sikofunikira. Akuluakulu oyang'anitsitsa sangafunike pasipoti yogulitsa katundu ngati ndalama zimayambira pakati pa:

- anthu ndi osakhala;

- ndi wosakhala wokhalamo komanso bungwe lomwe limapereka ngongole yake;

- Bank of Russia, Boma la Russian Federation, bungwe lolamulira la federal lovomerezeka ndi wosakhala momwemo;

- Wosakhala wokhalamo ndi wokhalamo, pokhapokha atatha kugulitsa ndalama zogulitsa ndalama za ndalama zoposa ndalama zokwana madola zikwi zisanu;

- wokhala mmenemo komanso wosakhala, pokwaniritsa mgwirizano wogulitsa malonda akunja, ngati mgwirizano wamakampaniwa ndi osachepera madola zikwi makumi asanu ndi zisanu (US).

Pasipoti ya msonkho wa mgwirizano uliwonse wa zachuma ikuperekedwa ndi wokhala yekha kamodzi ku banki imodzi yokha. Zotsatirazi zikuperekedwa ku bungwe la zachuma:

- mgwirizano umene uli maziko ochitira malonda a mtundu wa ndalama ;

- pasipoti ya malonda mu zofanana;

- chilolezo choperekedwa ndi bungwe lomwe limayang'anitsa ndalama zogulira ndalama zogulitsa ndalama, ndipo, nthawi zina, kutsegula ma akaunti ndi mabanki omwe sakhala nawo.

Malemba onse ayenera kukhala ndi mphamvu pa tsiku limene amapereka. Mapepala ovomerezeka a mayiko akunja ayenera kutsimikiziridwa ndi chipolopolo cha mabungwe a boma ovomerezeka a mayiko awa. Malemba onse oyenera kuti atulutse mapepala okapatsirana akuyenera kuperekedwa muyambirira kapena mawonekedwe a maofesi ovomerezeka. Ndondomekoyi ikuchitika mogwirizana ndi ndondomeko yomwe inagwirizana ndi banki. Nthawi yomaliza yokonza mapepala a pasipoti ndi tsiku limene likutsogola ntchito iliyonse pansi pa mgwirizano wamayiko akunja.

Banki imabweretsanso zikalatazo ngati mfundo zatsopano zalowa mu mgwirizano kapena mfundo zasintha. Kutsekedwa kwa mapepala opatsirana akugwiritsidwa ntchito ndi bungwe la zachuma pambuyo poti maphwando a mgwirizano atakwaniritsa zofunikira zawo zonse, komanso m'mabungwe ena omwe akutsatiridwa ndi lamulo.