161 FZ "Pa dongosolo la msonkho la dziko": chofunika, kufotokoza, kusintha

Kupereka ndalama kumachitika ku Russian Federation malinga ndi 161-FZ "Pa dongosolo la msonkho la dziko." Chofunika cha chichitidwe ichi ndi kukhazikitsa maziko a bungwe la NPS. Chipepalacho chimayambitsanso njira yopangira ndalama. Kusintha kumene kunayambika mu 161-FZ "Pa dongosolo la msonkho la dziko" lasokoneza njira zamagetsi zomwe zimagwiritsidwa ntchito popanga malire. Tiyeni tione mwatsatanetsatane zikhalidwe zina.

Zambiri zadzidzidzi

Ndondomeko ya msonkho ya dziko 161-FZ imatanthauzidwa ngati gulu lonse la ogwira ntchito opanga ndalama, mawotchi ndi mabungwe a kulankhulana kwa positi. Mapulogalamuwa amaperekedwa malinga ndi malonda. Zimathera ndi makasitomala ndi pakati pa ogwira ntchito. Kusamutsidwa kwa ndalama kumapangidwa mwadongosolo la mawonekedwe osasinthidwa ndalama, malinga ndi zofunikira za zochita zachikhalidwe za Russian Federation.

Makhalidwe a kutenga nawo mbali ku NPCs

161 Malamulo a Federal "Pa National Payment System" amatsimikizira kuti ogulitsa mabanki amapereka ndalama zothandizira ndalama malinga ndi mgwirizano. Amaperekedwa ndi ogwira ntchito ndi othandizira. Pa nthawi yomweyo, zofunikira za Art. 14 161-FZ "Pa dongosolo la msonkho la dziko". Mabungwe a positi ali ndi ufulu wopereka ndalama zothandizira ndalama malinga ndi kachitidwe kachitidwe ka nambala 176 ya pa July 17, 1999. Omwe amalipiritsa ndalama amagwira nawo ntchitoyo malinga ndi malamulo a Federal Law No. 103 a pa 3 June 2009.

Malamulo omasulira

161-FZ "Pa dongosolo la msonkho la dziko" limapereka kuti woyendetsa amapereka chithandizo pamaziko a dongosolo la kasitomala. Iwo akhoza kuchita monga wolandira, ndi wotumiza ndalama. Lamuloli liyenera kuchitidwa molingana ndi malamulo operekedwa kwa mawonekedwe omwe sali ndalama. Kuwongolera kumachitika phindu la wobweza. Iwo akhoza kukhala pa akaunti yake payekha kapena kupatsidwa kwa iwo popanda kutsegula r / c. Ndalama zomwe analandira kuchokera kwa ofuna chithandizo zimatchulidwa ku akaunti ya wothandizira kapena amapatsidwa ndalama. Kutanthauzira kungatheke polemba ndalama pothandizira wothandizira popanda kutsegula akaunti. Izi zimachitika, makamaka, pakuyendetsa ndalama zamagetsi.

161-FZ "Pa dongosolo la msonkho la dziko": kufotokozera

Sikutumiza kuti kasitomala apereke ndalama ku akaunti yake ya banki kapena amalandira ndalama kuchokera kwa iye kuchokera kwa woyendetsa wina. Mawu oti kubwereketsa ndalama kuti apereke chithandizo, pansi pa 161-FZ, sayenera kupitirira masiku atatu ogwira ntchito kuchokera tsiku limene adawalembera ku akaunti ya banki kapena kuyambira tsiku limene ndalama zowonjezera ndalama zimaperekedwa. Pakusamalidwa kwa ndalama, kupatula kwa ogwira ntchito, otsogolera angathe kutenga nawo mbali. Ngati ena sali ovomerezeka ndi mawonekedwe osasintha ndalama kapena malamulo a federal, kusasinthika kwa kusamutsidwa kumachitika pamene ndalama zimatsutsidwa kuchokera ku akaunti kapena zimaperekedwa ndi kasitomala. Chosiyana ndi kayendetsedwe ka njira zamagetsi. Kusamutsidwa moyenera, molingana ndi 161-FZ "Pa dongosolo la kulipiritsa dziko," limachokera ku nthawi yomwe kukwaniritsidwira kwa zikhalidwe zotsimikiziridwa ndi wothandizira. Lamuloli likugwiritsidwa ntchito pa zolemba zotsutsana ndi zolemba, kutengeramo ndalama zina, kusamalidwa kwa ndalama (zotetezedwa). Kutsirizira kwa kusamutsidwa, ngati wogula ntchitoyo akutumizidwa ndi woyendetsa wina, amabwera panthawi yopereka ndalama mu akaunti ya wothandizira kapena kupereka mwayi wopezera ndalamazo. Lamulo ili silikukhudzana ndi kayendetsedwe ka ndalama zamagetsi. Ngati wogula athandizidwa ndi ogwira ntchito zosiyanasiyana, kumaliza kwa kusamutsidwa kumachitika pamene ndalama zimatchulidwa ku akaunti ya opaulandira. Pa nthawi yomweyo, zofunikira za Art. 251-FZ "Pulogalamu ya Ndalama Yowonongeka".

Zochita za ogwira ntchito

Amathera pa nthawi yomaliza. Wogwira ntchitoyo, asanayambe kupereka ndalama kwa akaunti ya wothandizirayo kapena kuwapereka kwa iye ndalama, ayenera kupereka makasitomala mwayi wodziwadziwitsa okha ndi zomwe akudziwa pazomwe angapereke. Uthenga uyenera kupezeka kuti umvetsetse. Chiyanjano chikuchitidwanso ndi:

1. Ukulu wa komitiyi ndi ndondomeko ya kusonkhanitsa kwake, ngati aperekedwa mu mgwirizano.
2. Njira yothetsera chiwongoladzanja cha kusinthanitsa pamene mukupanga ndalama zowonjezera.
3. Lamulo la kutumizira zodzinenera.
4. Zina zowonjezera zokhudzana ndi kupereka thandizo la malipiro.

Zizindikiro za kusamutsidwa pa zofunikira za wolandira

Pogwiritsa ntchito debit, wogulitsa, malinga ndi mgwirizano ndi wobwereketsa, amapanga malipiro kuchokera ku akaunti yake ndi kuvomereza (kuvomereza) pa dongosolo lomwe adalandira. Ufulu woyenera uyenera kuperekedwa mwa mgwirizano ndi wolandira. Wopereka angapereke chilolezo chisanayambe dongosololo kapena pambuyo pake. Kuvomerezeka kungaperekedwe mu mgwirizano ndi wogwiritsira ntchito kapena kulembekedwa m'kaundula (uthenga). Wopatsa chithandizo ali ndi ufulu wopereka chilolezo potsatira mmodzi kapena ambiri omwe amalandira kapena madandaulo. Lamulo likhoza kutumizidwa kwa woyendetsa kapena kudzera mwa iye. Ngati palibe chivomerezo choyambirira, bungwe loyang'anira ntchito liyenera kutumiza pempho lovomerezeka pasanathe tsiku lotsatira kulandila kuyankhulana. Ngati apatsidwa pasadakhale, ndipo dongosolo la wolandirayo likugwirizana ndi zikhalidwe zake, ziyenera kukwaniritsidwa. Mawu ndi kukula kwa ntchito zimakhazikitsidwa ndi kuvomereza. Ngati zofunikira za wolandirayo zikusemphana ndi zifukwa za mgwirizano wa wobweza kapena palibe kuthekera kuti awatsimikizire, woyendetsa katunduyo ayenera kubwezera dongosolo popanda kuphedwa. Chigwirizanocho chingakhazikitse ntchito ya bungwe lopempha kuti likhale lovomerezeka.

161-FZ "Pulogalamu ya Ndalama Yopereka Zonse": Nkhani 9

M'chizoloŵezi choyang'ana pansi pano, malamulo othandiza kugwiritsa ntchito njira zamagetsi amaperekedwa. Ikuchitika mogwirizana ndi mgwirizano. Chigwirizanocho chimatsimikiziridwa pakati pa woyendetsa ndi wogula kapena yekha pakati pa oyambirira. Gulu lakutumikira liri ndi ufulu kukana kuchita mgwirizano.

Zosintha zonse

Pamapeto pa mgwirizano wogwiritsira ntchito njira zamagetsi zothandizira, wogwira ntchitoyo ayenera kumudziwitsa wothandizila zonse. Makamaka, kudziŵika bwino kumachitika ndi zoletsedwa, komanso zoopsa za ntchito. Wogwira ntchitoyo amafunikanso kudziwitsa za kusintha kwa ndalama zonse zamagetsi. Kuti muchite izi, wofuna chithandizo amadziwitsidwa molingana. Malamulo a kuphedwa ndi kutumizidwa amakhazikitsidwa mu mgwirizano. Iyenso ndi udindo wa wogwira ntchitoyo kuti apereke chitsimikizo chokhudza kuwonongeka kwa njira zopezera ndalama zamagetsi kapena ntchito yake popanda kuvomereza kwa chithandizo. Zonsezi ziyenera kulembedwa, ndipo zowonjezera ziyenera kusungidwa kwa zaka zitatu. Wogwiritsira ntchitoyo akuyenera kupereka zidziwitso ndi zolemba zokhudzana ndi kugwiritsidwa ntchito kwa kasitomala pa njira zamagetsi zobwezera. Malamulo omwe izi zikugwiritsidwa ntchito zimatsimikiziridwa ndi mgwirizano. Wogwiritsira ntchitoyo ayenera kuganiziranso ntchito, ngati pali mikangano iliyonse, kuphatikizapo kugwiritsa ntchito njira zamagetsi zolipira. Wopereka chithandizo ayenera kupatsidwa mwayi kulandira chidziwitso chokhudza zotsatira za zokambirana zake.

Kuthetsa / kuimitsa kugwiritsa ntchito njira zamagetsi

161-Ф5 amavomereza zochitika zomwe zapatsidwa pa kukhalapo kwa chidziwitso cholandira kuchokera kwa ofuna chithandizo. Kuchotsedwa / kuimitsidwa kwa ntchito kungathenso kuyambitsidwa ndi woyendetsa. Pachifukwa chotsatira, izi zimaloledwa pamene wochita kasitomala akuphwanya malamulo omwe agwirizana ndi mgwirizano. Kuchotsedwa / kuimitsidwa kwa ntchito sikutaya udindo wa wogwira ntchitoyo komanso wogula ntchitoyo chifukwa cha kusamutsidwa kwa ndalama, ngati anawuka asanalandire chisankho choyenera.

Zapamwamba

Kutayika kapena kugwiritsa ntchito njira zamagetsi zolipilira popanda chilolezo cha kasitomala, ayenera kutumiza chidziwitso kwa woyendetsa. Maonekedwe a chidziwitso amatsimikiziridwa ndi mgwirizano. Chidziwitsocho chidzatumizidwa mwamsanga pambuyo podziwika kuti ndizodziwika ndipo pasanathe tsiku lotsatila tsiku limene zowonjezera zowonjezera ntchito yovomerezeka zilandidwa. Atalandira chidziwitso, wogwiritsira ntchitoyo ayenera kulipira ngongole kwa ndalama zomwe zalembedwa popanda chilolezo chake.

Masewera

Ngati wogwira ntchitoyo sakuchita ntchito zokhudzana ndi kudziwitsa wothandizirayo za zochitika zomwe zikuchitika motsatira Gawo 4 la Art. 9 cha lamuloli, akuyenera kubwezera ndalama zomwe wogwiritsa ntchitoyo sanadziwe za kulembedwa ndi amene adasamutsidwa popanda chilolezo chake. Ngati bungwe lothandizira likutumiza zidziwitso mogwirizana ndi zofunikira za chizoloŵezichi, ndipo kasitomala sanamutumize mauthenga malinga ndi lamulo la gawo 11 la Art. 9, malipiro saperekedwa. Ngati wogwira ntchitoyo akukwaniritsa ntchito yake yodziwitsa wothandizirayo za ntchito yomwe yachitidwa pagawo lachinayi, ndipo nzikayo imatumiza chidziwitso mwa dongosolo la gawo 11, yoyamba imayenera kubwezera ndalama zomwe zalembedwa popanda chilolezo, mpaka munthuyo atumiza mauthenga okhudza zosaloledwa Zochita. Pachifukwa ichi, malipiro amaperekedwa ngati servicer sikutsimikizira kuti kasitomala amaphwanya malamulo ogwiritsira ntchito njira zamagetsi zowonzera, zomwe zimaphatikizapo zofanana. Mwa lamulo ili, komabe, pali zosiyana. Zokambirana za Gawo 15 la Gawo 9 lachizolowezi chokhazikika ponena za udindo wa wobwereketsa kubwezera kwa mwini kasitomala kuchuluka kwa msonkho wopangidwa popanda chilolezo chake asanatumize chidziwitso chake sichidzagwiritsidwa ntchito pa milandu yogwiritsira ntchito njira zamagetsi zolipilira zomwe zili ndi Gawo 4 la Art. 10.