Nzika bankirapuse. Bankirapuse Chilamulo nzika: mbali ntchito

Bankirapuse Chilamulo nzika anayamba anayamba mu 2012, koma anavomereza izo sizinali choncho kalekale - mu 2015. Osati amangawa onse pa ngongole anali zosungunulira, kotero kuti anthu ambiri mu Russia oyamba a chilamulo chinali chochitika olandiridwa. Kapena kuyambitsa ndondomeko bankirapuse? Kodi muyenera kudziwa ndi ovuta wokongolayo?

Chifukwa chilamulo chinaperekedwa?

Ndi Russia mangawa akukulira chaka cha ngongole ndi. Malinga Bank ku Central, monga wa January 1 chaka chatha, ngongole okwana nzika anakwana rubles zoposa 600 biliyoni, ndipo mu 2014 anali gawo limodzi zochepa. lamulo cholinga angakuthandizeni pa dera la ogula kukongoza. chiwongola dzanja pa ngongole kukula chaka chilichonse, pamene adapereka kuopsa kwa malipiro ndi kuphwanya malamulo. The vuto kutichitikira ndi malipiro a ntchito oyang'anira tauni. Malamulo amene akugwira ntchito ku mitundu yonse ya ngongole.

Bankirapuse Chilamulo nzika: akamanena, chakudya chachikulu

July 1, 2015 analowa mphamvu Chilamulo Federal ndi nambala 476. Malinga ndi Chilamulo, alipo malamulo bankirapuse (kapena insolvency) ndi chiwerengero cha zinthu zina kukonzedwa, lolamulira njira kwa konzanso mfulu wamangawa.

Kuyambira nthawi imeneyo nzika amene ngongole kwa wokongoza owonjezera 500, 000 ndi kukhala akuchedwa malipiro a masiku oposa 90 angatanthauze bwalo la kuzindikira zinatha awo. Pa nthawi yomweyo nzika ya ndondomeko bankirapuse angakhale kanthu za ngongole bungwe kapena utumiki msonkho. Malinga ndi nkhani 214th wa Chilamulo, bankirapuse Ndondomeko amalonda munthu ali ofanana kuti onena za m'mayiko.

Gawo 213, ndime 1, ananena kuti mudziwe za njira wolembedwa mu Federal Register ndipo sangathe lofalitsidwa magwero a boma. Kuti Kuwulura zikhoza kukhala zokhudza kuzindikira anthu thupi zinatha, ndi kukhazikitsidwa kwa ngongole ndondomeko kukonzanso ndi kukhazikitsa malo awo.

Mbali A yalamulo ndi kum'manga kumalo boma la kalembera wa munthu.

Zizindikiro za bankirapuse wa nzika: i a insolvency

1. Munthu wachibadwa ali kwathunthu anasiya kuphedwa kwa ngongole ku mabungwe ngongole.
2. nzika sikugwira kuzimitsa malipiro mokakamizidwa amene abwera chifukwa masiku.
3. Ngati kuchokera pamene kuphedwa kwa ngongole Papita masiku oposa 30, ndiponso kukula awo okwana ndi oposa 10% ya ndalama sonyezani.
4. nzika za katundu ndi mmene m'munsi kuchuluka kwa ngongole.
5. Ngati nzika ali ndi kusamvana pa mapeto a Kuthi ya malamulo, popeza alibe malo amene akhoza amatengedwa.

Amene akhoza kunena bankirapuse

Osati nzika iliyonse Russian akhoza kunena nokha zinatha. Pansi pa lamulo latsopano izo zikhoza kuchitidwa mu njira zitatu:

1. Pamene kuchuluka kwa ngongole wakhala kuposa rubles 500 zikwi.
2. Pamene wamangawa ndikhoza kutsimikizira kuti ali sizikanatheka kulipira ndalama kwa udindo wake.
3. Ngati wamangawa zikutsimikizira kuti kuyesera kulipira angongole ndi kunena pangano ndi kusintha zofuna ndalama.

Insolvency (bankirapuse) kwa nzika la Chitaganya cha Russia sangathe ankalengeza Uwerenge malipiro mwezi pansi pa pangano ndi ngongole ya kuposa ndalama lenileni la munthuyo. Pankhaniyi, khoti akhoza kuzindikira nzika insolvent, koma ngongole ndi chifukwa si mlandu.

Kuopsa kwa wokongolayo

Chiyambi cha Kuthi wamangawa-nzika bankirapuse akusonyeza kuti alibe ndalama kulipira ngongoleyo panopa. Choncho, bailiffs adzakhala anakakamizika kugulitsa malo ake. Onse chuma ndikupeleka za kulanda banja lake, adzakhala zimafika. Mwina zimafika ndi mgwirizano wa chopereka. Ngati katundu ndi mu umwini limodzi anagulitsa katundu ndi wokongolayo. Ngati zinatha - IP, zimafika ziphatso zonse ndi kalata ya boma kulembetsa wa wazamalonda ndi.

Kuchira sizingatheke wokakamiza chuma chonse cha wokongolayo. Kulandidwa kosamugonjera malo ngati - malo okha m'nyumba ya ngongole. Ulamuliro N'chimodzimodzinso malo amene utapezeka ndi thandizo ngongole (ngati si nkhani awiri). Kulandidwa sizikhudza zovala, nsapato, zinthu kunyumba zokongoletsa, mphoto, mphoto boma.

Kuthi bankirapuse

Bankirapuse nzika - ndondomeko Mipikisano siteji, ndi kukhazikitsidwa kwa omwe n'chotheka mwa chigamulo cha khoti lapadera arbitral. Kuti tichite zimenezi, bwalo azipereka ntchito yoyenera. Ngati ntchito ali anaona chomveka, ndiye zinthu zotsatirazi atengedwa:

• Ngongole kukonzanso.
• Kuzindikira za makina ndi osasunthika chuma cha wokongolayo.
• A pangano kuthetsa (zipani angafikire kukondera, ndipo mlandu wabalalitsidwa).

Ndondomeko kugulitsa katundu - chinthu kwambiri. Agwiritsidwa kokha pamene dongosolo kukonzanso sanali anaphedwa ndi munthu. Katundu, omwe anali nacho wamangawa pa nthawi ya khotilo kapena kugula pambuyo chogulitsidwa pa yobetcherana.

dongosolo ngongole kukonzanso

Bankirapuse nzika - muyeso, lomwe ndi sitepe yoyamba mu kukonzanso ngongole. cholinga chake ndi patsogolo kuthekera kwa nzika kulipira ngongole ndi ndalamawo, pogwiritsa ntchito zinthu zonse zitheka ndalama. Malinga ndi bwalo apanga dongosolo, amene adzakhala monga nthawi ndi kukula, komanso alipire ya malipiro pa ngongole. Kukula kwa dongosolo ndi kugwirizana chapakati pa nkhani bankirapuse. Ndondomeko ali yokhala mu komitiyi ya kukwanilitsidwa - zaka 3. Komabe, angathe mwa bwalo.

Monga mwa chilamulo, ngongole kukonzanso akhoza kuzigwiritsa ntchito munthu ngati:

• nzika A ali ndi kupeza ndalama.
• Palibe umboni chigawenga m'munda wa upandu chuma (nthawi mlandu kapena adatha).
• akumuphunzitsa wamangawa bankirapuse ndi losadziwika zaka 5.
• dongosolo kukonzanso sichinayambe anayamba ndipo osayenerera kwa zaka 8 isanayambe njirayi.

Kuchuluka kwambiri pansi dongosolo komanso chidwi pa maziko a zonena za ngongole a. Choncho kukula chidwi limafanana ndi mlingo wa refinancing CBA.

Pamene dongosolo ndi kuphedwa

Monga alipire wa wamangawa dongosolo ovomerezeka ali ndi ufulu wopanga mfundo za kusintha kwa izo. Izi azidziwitsidwa ndi bwana ndalama. Ngati vuto la ndalama wamangawa bwino angongole kupempha bwalo la chigamulo, pamene dongosolo kukonzedwa.

Pamene mawu a dongosolo abwera mathero, bwana ndalama amakonzekera lipoti, imene kenako anatumiza kwa bwalo ndi bungwe ngongole. Ngati zonena za ngongole zimavutika ikuyenda m'nthawi yake, ndiye iye akupita ku khoti.

Pankhaniyi, khoti akhoza kutenga mmodzi mwa njira ziwiri:

• Malizitsani ndondomeko kukonzanso.
• Dziwani bankirapuse kwa nzika zonse.

Kugulitsa katundu

Chifukwa kulengeza bankirapuse kungakhale zingapo:

• Overdue ngongole kukonzanso dongosolo.
• Ndondomeko sanalandire pabvomelezo la mabungwe ngongole.
• Kuletsa kukonzanso mwa bwalo.
• Resumption la milandu kupanga bankirapuse.

Bankirapuse nzika (anthu athupi) kumafuna kugwiritsa katundu amangawa. kuti mwa bwalo amathanso chokhwima zofunikila pa ulendo wa kunja. Malire okha kuchotsedwa pa mapeto a Inde mayesero. Mwina zimafika pasadakhale okha nkhani ya pempho la nzika, komanso mogwirizana ndi ndalamawo.

Pamene wamangawa ndi dipo, katundu onse kunditumiza ku bwana ndalama. Katundu ndikupeleka opanda popanda iye. Izi imakhudzanso ndalama nkhani banki, ndi ntchito posamalira katundu ndi lachitatu maphwando.

Lounikira ntchito ikuchitika kuyang'aniridwa ndi bwana ndalama. Bwinobwino akhoza imene chisankho cha angongole chuma chawo. Ngakhale amati yokha akhoza anatsutsa kukhoti.

Ngati kutaya katundu sichinachitikepo, ndi mabungwe ngongole akana kutenga izo mu ngongole nkhani, nzika kachiwiri likuyendera kutaya iwo. Pankhaniyi, zonena za angongole akuzindikiridwa kukhuta.

pangano mwamtendere

Ndondomeko ndi lamulo ladziko lino. Pa maziko ake pali kutha zikuchitika. Kusankha ali pa msonkhano wa angongole, ndi mgwirizano ndi kale mu khoti.

Pambuyo pangano pa dongosolo ngongole kukonzanso sinyamukanso, kuchotsedwa kuletsa wosangalala zonena angongole. Nzika atuluka kubweza ngongole. Ngati kumbali yake linaphwanya mgwirizano wa pangano, ndi bankirapuse mlandu anayambanso.

Kuipa kwa wokongolayo

• The bankirapuse nzika Russian - ndondomeko imene imafuna ndalama chuma (malipiro a ndalama bwalo ndi ntchito kulamulira).
• Nkhani zonse, kuphatikizapo limodzi zii.
• chuma ngongole anamangidwa.
• Mu zaka zitatu pambuyo Kuzindikila bankirapuse wamangawa si woyambitsa wa bungwe lalamulo.
• Ziletso loletsa pa maulendo akunja.
• Mu zaka zisanu pambuyo Kuzindikila nzika bankirapuse sadzatha kubwereka.
• Ngati popanda chidziwitso cha ulamuliro ndondomeko ndalama kugula kapena kugulitsa katundu, ndi ngongole anakumana ndi zabwino 4000 kuti rubles 5000.
• Pasanathe chaka pambuyo khotilo sangathe zikugwira ntchito.

Ubwino chifukwa wokongolayo

• Pamene ngongole kuposa phindu pa chuma, kuchuluka otsala ali deducted kwa nzika, popeza iye analibe ndalama zotsala kulipira izo.
• Pamene wamangawa Sichinatsitsidwe anali katundu wina aliyense, kupatula nyumba kwake, kumene akukhala.
• Pa mlandu, ndalama ndi zilango si mlandu.
• Kuchotsa zosafunika udindo ndalama.

Zotsatira kwa wokongoza

Pakuti mabungwe ngongole, ndondomeko bankirapuse amalola kuti achire kobiri yonsene ya ngongole, komanso kutenga mbali kufalitsa anapeza kuchokera kugulitsa katundu.

Fictitious bankirapuse: Zotsatira chifukwa wokongolayo

Pakuti fictitious bankirapuse nzika, ndiye nkhani zonama zokhudza solvency awo, lamulo anayambitsanso udindo wa utsogoleri. Commission lopunthwitsa ndi zinadzala ndi chabwino utsogoleri, kukula kwa wochokera 1000 kuti rubles 3000.

Chilango utsogoleri amaperekedwa ndi zochita dala wokongolayo, amene kunawatayitsa ndalama kulephera kubweza ngongoleyo ndalamawo.

Kupereka mauthenga abodza pa chuma, ufulu wake, ngongole, kuchuluka kwa ngongole, ndi zina zinayang'ana nzika zabwino za rubles 4,000 mpaka 5,000. Kwa anthu, chilango cha n'kosaloleka kutsekeka kwa ntchito za bwana ndalama akusankhidwa ndi bwalo, mpaka rubles 3000.

Pamene inu muyesera kusamutsa ufulu kwa makina ndi osasunthika katundu wa zinatha angathandizidwe ndi kumangidwa kwa zaka 6.

niceties

The ngongole, ndi zofunika kudziwa maonekedwe a bankirapuse wa nzika. Lamulo si wangwiro ndipo lili ndi ziwalo zambiri maganizo.

Contestation zikhoza kukhala ndi osachepera kuchuluka kwa ngongole ngongole kwa wokongoza. Pa nthawi ya Kupenda solvency la wamangawa ndi ubwino wa yotsirizira akhoza kusamutsa kugwiritsa ntchito malowo. Kwa amalonda kulephera ngongole ndalama akhoza kukhala mtundu wa chiletso kuti agwire ntchito yake. Komabe, zimenezi ndi kukonza, chifukwa makampani tsopano ukugwira ntchito kupereka ndalama ndipo pambuyo njira izi.

Kupeza udindo zinatha amapereka phindu kwa anthu, ngakhale amphamvu kwambiri. Ndondomeko palokha zimatenga nthawi yaitali. Lamulo akhoza kusintha zinthu za anthu amene anakongola ndalama zambiri ndipo sangathe kulipira ngongole. Bankirapuse sikuti kukhala chipulumutso chifukwa wokongolayo.