Kusintha malamulo bankirapuse. Lamulo "Pa Insolvency (bankirapuse)"

The malamulo a Russian Federation okhudza malamulo a wotuluka yapachiweniweni amasintha pafupipafupi. Tinganene Mwachitsanzo, kuchuluka ubale ngongole. Makamaka, lamulo pa insolvency ndalama - chiwerengero cha zochita malamulo, amene nthawi zambiri nkhani kwa kusintha. ndi zaluso za wopanga malamulo ali konkuno posachedwapa Kodi, kulandira chithandizo chapadera?

mokoma malamulo

Ponena za zaluso zokhudza malamulo bankirapuse, tisaiwale kuti Russia pali malamulo asapita kuchita malamulo mmodzi yekha mu dera la ngongole mbali ya insolvency ndalama yokhudza mabungwe ndi nzika. Tikuyankhula zokhudza Federal Chilamulo №127 «Pa Insolvency (bankirapuse)". Iye analandiridwa ndi 26.10.2002, ndi

Lamulo bankirapuse anthu

Kwa nthawi yaitali, chida ichi mwalamulo kwathunthu zonse ngongole ubwenzi yekha ndi nawo mabungwe. Kodi ntchito ku makhoti ndi kukadandaula ku chakudya cha zimene Act zili insolvency mabizinezi, koma si anthu thupi. Komabe, mu 2014 akuchita malamulo kuwonjezera kwa chakudya chifukwa chimene ada mangala kwa bankirapuse mwayi ndi nzika.

Palibe ndithu kuuona kuti pali malamulo osiyana pa bankirapuse wa anthu thupi. Izi si choncho. Bankirapuse monga nzika ndi mabungwe nthawi mchitidwe malamulo amalembedwa FZ №127. Posachedwapa, izo ndi chilamulo cha insolvency mabungwe ngongole.

Lamulo la bankirapuse mabungwe ngongole ndi ndalama

mfundo ndi yakuti mpaka December 2014 Kuthi bankirapuse zoona, mabanki, malamulo ndi kuchita osiyana malamulo - Chilamulo Federal №40 anavomera 25.02.1999 ndani malamulo zokhudza insolvency ndalama, motero ogwirizana nkhani yodziwika. Ziribe kanthu momwe kutanthauzira izo - monga mchitidwe malamulo malamulo a bankirapuse mabizinesi, mabanki, kapena lamulo la insolvency anthu - lemba la chilamulo adzakhala ambiri a madalitso ake ndi ofanana, ngakhale kuti udindo malamulo a mabungwe alamulo ngongole ndi osiyana.

Kulunjika a zaluso

chakuti malamulo insolvency monga fundo zokhuza ndondomeko ndi nawo anthu zachilengedwe, akhoza ankamuona ngati zotengeka: zaka zoposa 10, kuti wopanga malamulo ali ananyalanyaza kuthekera malamulo nzika za bankirapuse, koma kenako kusintha maganizo ake zimangokhala malo a ntchito ziwalo. Choncho, ngati ife kulankhula za ena zaluso zikuluzikulu anapatsa mchitidwe chilamulo mwa Federal Chilamulo №127, ndiye kuti pa Russia panali zonse bankirapuse lamulo anthu. Lemba la mchitidwe malamulo ndi changu anayamba kuphunzira nzika wamba. Makamaka, anthu amene anatha kusonkhanitsa zosiyanasiyana ngongole ndipo ayamba mavuto ndi malipiro awo.

Pambuyo malamulo ziwalo amamuonera ndi oonekera, mu Russia panali lamulo insolvency wa anthu zachilengedwe, amalonda, makampani malonda - kusintha latsopano zikadali akupitiriza kupangidwa ndi wopanga malamulo a. Zikugwirizanirana zosiyanasiyana mbali zina za kuchuluka ubale ngongole. ntchito yathu - kuganizira kwambiri.

Yang'anira khutu ku mabungwe alamulo

Mwina kudziŵika kuti kusintha posachedwapa ikukhudzana makamaka mauthenga wokhudza mabizinezi. Ntchito za anthu koma amatsatila malamulo omwewo, koma okha chatsopano kwambiri. Kusintha kwa lamulo bankirapuse kusintha posachedwapa amawatenga 29 December 2014, tinganene kuti mwachindunji ndi mabizinezi (ngakhale pamene ife tiyang'ana pa ena a iwo angathe kutanthauziridwa mu ubale kwa anthu). Choncho, m'nkhani, mawu akuti "wamangawa" tikutanthauza, Choyamba, bungwe lalamulo. Anthu chakudya, tikambirana, ali ndi ntchito mabungwe.

Mogwirizana a mabanki ndi chigamulo

Kusintha malamulo bankirapuse akhudza mbali iyi, monga mogwirizana kwa obwereketsa - udindo wa mabungwe banki, ndi makhoti chigamulo. Malinga ndi zaluso a mabungwe a zachuma zinapatsidwa ufulu ntchito kwa Mwachitsanzo deta, ngakhale iwo alibe ambiri kusankha ulamuliro khoti kuti achire ndalama ngongole. M'njira imeneyi, ya mabungwe ngongole alandira ŵakwenera malo correlative kwa competences mabungwe mpikisano, amene nawonso, ayenera kukhala nawo Zikatero pa manja a chiweruzo yoyenera.

makhoti osachepera

Kwa zaluso lolingana obwereketsa anali kupita kukhoti mu dongosolo la Kuthi kanthu. Pambuyo pake, iwo anali kudikira chigamulo adzapatsidwa pa kuzindikira ngongole wobwereka ndi kufunika kuti apeze chinthucho. Siteji yotsatira anali wolumikizana ndi chiyembekezo mpaka chisankho bwalo akubwera mu mphamvu. Komanso, wamangawa akhoza kupala pamtima, amene inafunika wokongoza nawo mayesero yatsopano, ndi bwino, ngati bwinobwino kwa iye. Tsopano Komabe, Buku oyambirira bwalo si chofunika. Koma tisaiwale kuti lamulo limeneli amangonena za mabanki, ndiye nyumba, yololedwa mwalamulo monga bungwe ngongole.

The ndondomeko ya zochita za mabanki

Zidzakhala bwino kuganizira kuti ena a ntchito yomwe ayenera, malinga ndi zaluso malamulo, kutsatira banki pa mwambo wa bankirapuse wamangawa.

Choncho, ngongole bungwe ndi kulowa mu mphamvu ya kusinthidwa zogwirizana, ndiko kuti, July 1, 2015, ayenera kukhala masiku 15 isanafike mankhwala chigamulo kusindikiza zindikirani okhudza cholinga cha kuyambitsa ndondomeko ya Kuzindikila wamangawa insolvent. chikalata ichi chitumidwa kwa Wonse Federal Register zokhudza mabungwe yogwira malamulo. Onani kuti asanayambe kulowa mu mphamvu ya kusinthidwa tsiku lomalizira kwa zidziwitso yoyenera kwa masiku 30, ndi kufunika kutumiza chikalata kuti wokongolayo, komanso angongole odziwika banki.

Chifukwa cha zaluso malamulo Bank akhoza kuyambitsa bankirapuse wa wobwereka popanda mayesero zina. Komanso, iye ali ndi ufulu kuyambitsa ntchito yoyenera patsogolo mabungwe ena, motero, oyambirira analandira pa kutaya zikalata zofunika zokhudza ntchito ya wokongolayo.

Posankha ulamuliro nthawi sinyamukanso

Kusintha malamulo bankirapuse bwanji mbali ya ndondomeko pa woika ndi woyang'anira zosakhalitsa. Patsogolo luso wamangawa anali ndi ufulu wosankha munthu akuchita ntchito ziwalo zochokera zokonda zanu. Pamene kusintha malamulo akhala wobvomerezeka, ulamuliro nthawi kukhala anatumidwa ndi osankhidwa mwachisawawa. Komabe, limagwirira yeniyeni ofanana kudzatunga alibe atsimikiza. Pa nkhani imeneyi, bwana wogwirizira adzasankhidwa ndi mutsogoleli bwalo kuvomerezedwa ndi malamulo njira zofunika.

Patsogolo luso wobwereka akhoza anaika bwana amene analidi, ali ndi mlandu kampani. Munthu akugwira udindo uwu, iye sakanakhoza kuletsa ngongole kampani anapitiriza ntchito. Komanso kunali kosatheka kuti achotse, kuti "bwana wake" salabadira mavuto azachuma a wokongolayo. Zotsalira kuthekera kuti malamulo a kaundula sadzakhala monga angongole amene amanena si zabwino wobwereka lapansi. Komanso, bwana, woikidwa ndi wokongolayo, atha kuthandiza kampani kugwira ntchito zosiyanasiyana popanda chilolezo, monga kupanga mobisalamo mfundo zina zogwirizana khoti ndipo ndalamawo.

Kodi njira amafuna kusintha wamangawa m'chilamulo bankirapuse? Pamaso kugonjera ntchito ku khoti, ngati wobwereka amayamba njira kwa kuzindikira insolvency chuma, ayenera kufalitsa chidziwitso zokhudza ntchito iyi mu Wonse Register. Pambuyo mosintha yoikidwiratu trasti mu bankirapuse, koma, monga taonera pamwambapa, pamene njirayi si malamulo, ndi kusankha munthu kuti udindo yoyenera ali wokhoza mwa bwalo.

Kukula osachepera ngongole

Kusintha malamulo insolvency mtima pa muyezo monga osachepera kuchuluka kwa ngongole, zimene lipatsa maphwando ngongole kuyambitsa Kuthi bankirapuse. Pankhaniyi tikulankhula yekha za ngongole-mabungwe. Pamaso zaluso lolingana kufunika 100 zikwi. Opaka. (Pakuti kuphangira zachilengedwe -. 500 ths). Pambuyo kusintha malamulo awonjezera manambala: bankirapuse akhoza kuyamba ngati kampani sayenera zosakwana 300 zikwi, ndipo ngati ali udindo wa okhawo zachilengedwe, - kuchokera rubles miliyoni 1 ... insolvency lamulo la anthu, makamaka, yodziwika ndi zinthu zina mu mawonekedwe a mtengo osachepera ngongole: bankirapuse kwa nzika zotheka ngati watenga ndipo sangathe kulipira rubles 500 zikwi .. ndi zina zambiri. Kusintha lamulo limeneli mpaka wopanga malamulo sanali kuchita.

Ufulu wa angongole wotetezedwa

Kusintha malamulo bankirapuse wafunsira nkhani kuti wotetezedwa angongole - amene akunena wotetezedwa ndi katundu wina ili mu chuma cha wokongolayo, analandira ufulu zina. Amene? Makamaka, ufulu kuti azivota pa misonkhano kumene nkhani tatsimikiza kusankha kulamulira, komanso apilo ku khoti za kuchotsa munthu pa udindo yoyenera pa kusintha kwa kampani kuti kasamalidwe kunja. Pamaso zaluso kubweza obwereketsa ankatha kuchita masewera olimbitsa ufulu wawo kuvota zambiri kokha pa siteji ya zakuthambo.

Wotetezedwa angongole pambuyo kusintha kwa malamulo anapatsidwa ufulu kukonza kufunika koyamba ina, komanso ndondomeko imene tenders ayenera kuchitira. Ngati maganizo a zisudzo zogwirizana asapita ngongole sadzapeza kumvetsa ndi ophunzira ena Kuthi ndi bankirapuse, ndi mlandu ayenera kuthandizapo.

Ngati kampani, amene ankamuona ngati insolvent, m'malo a chuma ikuchitika Mwachitsanzo, pamene pamaziko a kampani analengedwa ndi mabungwe angapo bizinesi, angongole wotetezedwa ali oyenera wosangalala zopempha zawo likuvutika chuma chilungamo.

Obwereketsa ziwalo gulu anapatsidwa ufulu nawobe ina mu ndondomeko kuyitana. Kuti tichite zimenezi ayenera kupanga kupereka pagulu ngati ntchito kugwira nawo ogulitsira malonda a mtundu imeneyi. Malinga ndi kunena kwa akatswiri, angathe kutanthauziridwa monga limagwirira zina kuteteza zofuna za angongole wotetezedwa.

Nthawi malire

Mwa mfundo zazikulu ena, amene anayambitsa kusinthidwa kwa lamulo pa bankirapuse, amatha kusiyanitsa limagwirira imene bankirapuse angongole anganene kuti nthawi ya malire poyerekezera ndi nkhani zina ngongole, wobwereka kuika patsogolo kunena watha ntchito. Poyamba, zimenezi n'zotheka si anapereka kwa malamulo.

Udindo zidziwitso yake ya bankirapuse ndi

Atsogoleri a Makampani omwe ndi mavuto azachuma, tingadzifunse kulankhula za maonekedwe a zizindikiro za bankirapuse, akuyenera kuti awadziwitse eni. Ngati mkulu wa bungwe si udindo uwu, poyerekezera ndi iye akhoza kulipitsidwa kuchuluka kwa 25-50 zikwi. Opaka. Mukhoza kuona kuti toughen chilango chimene n'kosaloleka zochita zina za kasamalidwe kampani pamene amaloledwa kwa bankirapuse.

Bankirapuse ayenera kulingalira

Pamaso kusintha lamulo bankirapuse tapangidwa, zifukwa kulikonse kwa kuchotsa zina, nkhani imene - ndi bankirapuse Sunali kuperekedwa. Amene Mwachitsanzo, kudziwika m'bwalo la nkhanza aliyense ndi Mlengi wa Kuthi ndi bankirapuse sankabwera zotsatira lamulo lililonse. Lamulo latsopano ananena kuti Kudandaula kubwalo lamilandu la phunziro limene - kuyambitsa ndondomeko Kuzindikila wamangawa insolvent, sayenera okha n'loonadi ofunda. Nkofunika kuti wobwereka anali insolvent kwenikweni.

Ngati ndi choncho, bwalo umapeza kuti ngongole kapena ngongole amene anayambitsa Kuthi ndi bankirapuse, mukudziwa kuti ndi gulu oyenerera ndi zosungunulira, amene kuthamangitsa phindu, Kuthi mwina mwalamulo inaimitsidwa. Zoperekedwa, ndithudi, izo ndi nthawi wobwereka sanataye malipiro. Chotero ndichisangalalo Makhoti kuteteza kuipitsidwa pakati amangawa ndi angongole, zomwe mwina, chifukwa cha zovuta zina zabwino kwa iwo, koma nthawi yomweyo, kuwonongeka kwa zipani zina chidwi.