Rezinesi kuti rwezvemabhengi akavhiyiwa rakapa kwenguva yakareba sei?

Chisarudzo pamusoro mamiriro kunyoresa sangano chero zvemari vabvuma Central Bank of Russia. Kamwe ruzivo pamusoro kubhengi ingawira chete remazita anosungwa kuudza pamusoro kuchinja zvose kuitika. Rezinesi kuti rwezvemabhengi akavhiyiwa nekanzuru CB.

tsananguro

Ngatitangei tsanangurai chii chinoumba "rezinesi." A rezinesi anoonekwa mvumo chaiyo nekanzuru nomazvo nezviremera, muchimiro ane yorugwaro zvimwe kugutsikana, chimiro uye refu.

Kana tikatora kumusoro Tsanangudzo ave nechimwe uye ngaawedzere pazviri zvakabviswa Chapter 2 Banking Act, kuwana tsanangudzo rezinesi kuitisa rwezvemabhengi kushandiswa.

The rezinesi kuitisa rwezvemabhengi akavhiyiwa - chaiyo mvumo kubva Bank of Russia kuurayiwa rwezvemabhengi mabasa muchimiro pamutemo gwaro yaibvumira kuchinjwa zvakanaka urongwa zvemari kuita wainyatsotaura mariri Banking akavhiyiwa pasina nguva nemiganhu.

marudzi marezinesi

For Masangano rwezvemabhengi mhando achangogadzwa kuwanikwa kuti marezinesi, akadai:

• rezinesi kuitisa rwezvemabhengi mabasa rubles (pasina kodzero kukwezva deposits inongoitika vanhu mari);
• pamusoro aurayiwe mabasa rubles uye vatorwa mari (pasina anokwanisa kurera mari mu deposits inoitika vanhu);
• kukwezva mari deposits uye placement inokosha simbi (the rezinesi akasiyana rezinesi kuti kuurayiwa kwema iri mari);
• okurera mari vanhu vari deposits (mu National mari);
• okurera mari vanhu vari deposits mu National uye vatorwa mari;
• pamusoro aurayiwe mabasa rubles kana nemari mu omunharaunda uye vatorwa mari nokuda kukarukureta vasiri bhangi dzemari masangano;
• pamusoro aurayiwe mabasa rubles kana nemari mu National uye dzimwe mari kuti kugarwa vasiri bhangi dzemari masangano, izvo kuitisa dhipoziti uye neanokweretesa kushandiswa.

Rezinesi kuti rwezvemabhengi akavhiyiwa rakapa kuti:

• kunobatanidza deposits uye placement inokosha simbi;
• kunobatanidza deposits muviri vanhu vari National mari;
• kubatanidzwa mune mari deposits evanhu vari National uye dzimwe mari.

A yoga rezinesi iri vanoona.

mukuru rezinesi

rezinesi kwakadaro kuti rwezvemabhengi akavhiyiwa nekanzuru masangano emari kuti vanobvumirwa kuuraya akavhiyiwa zvose uye kuzadzisa zvinodiwa Federal Mutemo hwemashoko pachavo mari.

Panyaya iyi, kuti rezinesi kuti placement zvinokosha nesimbi haina kunodiwa kuwana wemauto rezinesi. Sangano kuti ane rezinesi uye mari mu uwandu mamiriyoni 180 rubles, asimbise pamwe akabvumirwa Central Bank matavi uye mumiririri mahofisi dzimwe nyika. Uyewo, mabhengi izvi anogona, sezvakanga zvinodiwa Central Bank kumisazve subsidiaries.

General licence nokuti rwezvemabhengi akavhiyiwa chinoshanda kuti risingaperi nhamba makore.

mamiriro ezvinhu achivaratidza

Document anogona rakapa chete pashure hurumende kunyoresa vari kuti, inosidzikwa nemutemo uye mirayiro yacho Central Bank vanogamuchirwa. The rezinesi kuitisa rwezvemabhengi akavhiyiwa chinopa chiratidzo icho mari kuchaita kushandisa bhanga kana mari muzvirongwa mipiro, uyewo mukana vakagovera simbi dzinokosha.

Nokuti chokwadi kuti nyaya rabvuma rezinesi kwainzi muwedzero 1% yacho mugove guru. mari idzi uchauya coffers ari batana bhajeti.

Rakapa kuti rezinesi inofanira kufungwa nezvake ari mazita rakapa marezinesi. Pamazita kwakadaro wokuRussia bhangi anofanira kubudisa muna Bulletin of Central Bank of Russian Federation asina kutapudza kamwe pagore. Muchiitiko chino, zvose zvichiitika kuchinja uye kuwedzera kuitwa muna remazita mwedzi kwete paya pane imwe kubva musi kwavo sevanakomana.

The rezinesi inofanira ane ruzivo pamusoro kubhangi kuvhiyiwa kuti sangano zvemari ichi anekodzero, uyewo mashoko pamusoro currency nako pamahombekombe anekodzero yokushanda. The rezinesi kuitisa rwezvemabhengi akavhiyiwa chinoshanda kuti isingazivikanwi nhamba makore. Mune mamwe manzwi, ndiye zvaasingakwanisi nguva.

kushanda pasina rezinesi

Zvichienderana nokuti marezinesi kuitika Bank chakasimba chekuchengetedzwa nekanzuru Central Bank of Russia, kuitisa mabasa pasina gwaro iri zvichaguma fines uye Zvirango iri mari zvachose purofiti, iyo yakagamuchirwa sangano basa. Mukuwedzera, sangano kushanda asina rezinesi, achaiswa vabhadhare faindi yeUnited bhajeti kaviri kukura huwandu yakagamuchirwa mukufamba basa.

Zvirango uye fines anobudiswa mudare panguva dzokuzvidzivirira muchuchisi kana Central Bank.

The Central Bank anekodzero kuti kutaura kuti liquidation yokupira masangano, uchishanda pasina rezinesi uye tichiita kwema zvemari. Masangano akadaro administrative, vehurumende, ezvemitemo uye mhosva basa. Panguva iyoyowo, kuti marezinesi kuitisa rwezvemabhengi kushandiswa, ipfupi kusvika musi revocation of rezinesi.

kuwana rezinesi

Kuti vawane rezinesi, tsika zvemari anofanira kuunganidza uye vanozviisa pasi magwaro anotevera:

1. Kushandiswa nehurumende kunyoresa. Mumashoko aya, zvizere mashoko chevanorwara zvemari anofanira akaratidza, uyewo Executive muviri, izvo unogona kuita kuonana kubhengi.
2. Gwaro nokuwadzana. Gwaro iri anopiwa, kana nomutemo batana. Goverai zvakafanira kana chepakutanga kana vaipupurirwa kopi.
3. Charter of sangano. Kunopiwa chokutanga kana munhu vaipupurirwa kopi.
4. Business hurongwa. Pfungwa basa kunokudziridzwa uye anotenderwa panguva musangano havaoni. Gwaro rine mashoko pamusoro vaida pambiru musoro uye mukuru akaundendi, uyewo akabvumirwa bumbiro. Kunyora urongwa bhizimisi iri vachifunga nemirau yacho CBR.
5. Document achisimbisa kuripwa wehurumende basa uye rezinesi kubhadhara.
6. The zvinyorwa pamusoro vanyorwa havaoni. Izvi zvinosanganisira kuva odhita mafungiro pamusoro veracity kutaura zvemari inopiwa kuburikidza nokusimbisa mutero rokuongorora pamusoro Implementation pakati wazvipira kune yeUnited nemakanzuru zvemari for 3 years.
7. Kutsigira zvinyorwa pamusoro kwakabva mitemo mari.
8. Profiles kwevadzidzi kuti nezvenzvimbo maneja mukuru akaundendi, Mutevedzeri uye zvakafanana zvinzvimbo mapazi sangano. Profiles izvi zvinofanira ane zvose zvakafanira mashoko: dzizere mashoko, dzidzo mamiriro (pamutemo kana zvoupfumi) utungamiri ruzivo nenzira yakafanana munda, aongororwe zvekupara mhosva. Mafomu inofanira kunyorwa rake muruoko.

Bank of Russian Federation mukugadzirwa magwaro ose ape risiti zvakanyorwa.

Kusarudza Russian bhangi

Kusarudza hurumende kunyoresa uye issuance ane rezinesi chinoitwa mukati memwedzi mitanhatu pashure musi nokuzvininipisa zvaida magwaro ose.

Mushure mubhengi achaita chisarudzo pamusoro yokunyoresa kupfungwa zvemari, izvozvo anotumira mashoko ose pamusoro payo kusvika muviri mvumo, izvo zvichaita kuti mashoko mugomba chete mazita pamutemo masangano.

Pahwaro chisarudzo uye magwaro vakabvuma muviri mvumo mukati memazuva mashanu kuita sangano iri kusaroora mazita pamutemo masangano. Zuva rakatevera, mashoko aya anofanira inopiwa kuna Central Bank. Uye iyewo, mukati 3 Mazuva akashuma ruzivo urwu kune havaoni zvesangano.

Zvadaro, havaoni vanosungirwa mukati mwedzi kuti kuripwa vakanyorwa guta iri uwandu 100%. Shure kwaizvozvo, tsika zvemari anogamuchira gwaro achisimbisa mamiriro kunyoresa. Pakarepo mushure mamiriro vanyorwa sangano wakabudiswa rezinesi kuti aite rwezvemabhengi kushandiswa. Nokuti yakareba sei? CBR haiiti mashoko ari rezinesi.

Munataisireva of Bank of Russia kusvika revocation

Bank of Russia revokes kuti rezinesi kana:

• kukosha mugove guru ipfupi 2%;
• uwandu pachake mari sangano zvemari iri pazasi shoma chikumbaridzo mugove guru Russian Federation vagamuchirwa pamahombekombe musi wehurumende kunyoresa sangano;
• sangano zvemari hanya nezvaidiwa Central Bank pamusoro rakada mwero kukosha nokururama uye zvakarurama;
• tsika zvemari havagoni kusangana Zvinotaurwa chikwereti uye kuzadzisa ayo vaite pamusoro zvairayirwa kubhadhara.

Chikonzero revocation

The rezinesi kuitisa rwezvemabhengi akavhiyiwa anogona kuchinjwa kana:

1. Paiva chikonzero chokudavira kuti mashoko vakabvuma pachishandiswa iyo gwaro wakabudiswa, vachava zvazvinoreva.
2. Tanga remapazi yakanonoka zuva kupfuura rimwe.
3. Kuitika kuvimbika mashoko.
4. Monthly nhau iri kunonoka nevanhu mazuva anopfuura 15.
5. Financial sangano anoita zvinhu kwete raanotaura rezinesi.
6. Mugore, tsika zvemari inotyora mitemo chairayirwa mitemo yeUnited uye nemirau yacho Central Bank Acts.
7. Vakaona akadzokorora kukundikana kuzadzisa zvinodiwa dzakatangwa nedare mhosva kutora mari.
8. Pane chikumbiro kubva zvokungoitawo Kutarisirwa hwakagadzwa pursuant kuna Federal Mutemo "On insolvency mari masangano."
9. kakawanda The Central Bank akakundikana kupa yoku- mashoko anodiwa unyorwe nehurumende remazita.

Other chikonzero pamusoro iyo rezinesi yakabviswa anofanira akaonekwa ndedzenhema. Chisarudzo RF Bank kuti titorerwe anofanira kutora kushanda pashure kuitwa chiito uye zvinogona kupfuudzwa mukati mwedzi mumwe kubva musi bhuku yaro Gazette.

Chii chinoitika kubhangi mushure revocation

Rezinesi kuti rwezvemabhengi akavhiyiwa nekanzuru Central Bank of Russian Federation, uye akadzora. Mushure revocation ane sangano zvemari anofanira liquidated. Uyewo, tsika mari mushure revocation:

• anouya izwi maitiro kuitwa;
• chinomisa accrual pamusoro marangirwo pamusoro munataisireva;
• yakaturikwa basa zvinyorwa pamusoro pfuma kuongorora (kunze magwaro Executive, izvo rakapa pachishandiswa ari kuzoita chikwereti inotambirwa, kubhadhara remuneration, gupuro nezvimwe kubhadhara) rakapa pamusana kutongwa uye simba kusvikira revocation of rezinesi;
• wairambidza mabasa chevanorwara zvemari muchimiro mabasa kana chokupika mitoro (kunze kwema chokuita utility nokuchengetedza mari, uyewo kubatsira kubhadhara) kusvikira kugadzwa liquidation komiti kana kusauka muvimbwi.

kudzoka licence

Financial sangano, umo Central Bank kubvisa rezinesi, vangawanazve mamiriro sangano, icho anoitisa rwezvemabhengi basa rayo. Nokuti ichi judicially akapikisana revocation yacho rezinesi. Uye kana kunzwa achaita chisarudzo akanaka, kuti Bank of Russia vachadzoka sangano rezinesi. Uye kusvetuka kuti mune zvandakatonga tsika, nyaya dzakadaro dzinowanzotaurwa chaizvo, uye vachifarira mabhanga.

Mukuwedzera, musimboti bhengi anogona kudzorera rezinesi iri kwayo pachangu. Izvi zvinoitika mushure tsika zvemari achasimbisa ose kutyorwa vaakawana mukati inspections.

rokuti rezinesi

The rezinesi kuitisa rwezvemabhengi akavhiyiwa ndohwechokwadi, chinotivhiringidza nokuda nguva. Tsika zvemari kunogona tiite zvose mabasa raanotaura rezinesi kusvikira nguva yakadai haisi yakabviswa ne Central Bank kana iye haazorambi kumisa basa rayo.

Chimiro rezinesi anogona chete kuwana mumwe musi - musi nyaya sangano rayo zvemari. Gore roga roga, Central Bank anoita inspections zvainanga nokuzadzika ushandiswe muna rezinesi mabasa.