Inihua tāpui: te kaiuru o te pūnaha, te rēhita o pareparenga me te whanaketanga i roto i Russia

Hakihea 27, 2003 i roto i te Russian Federation ka haere ki te kaha te Ture Federal "I te inihua o putunga takitahi i roto i te Russian Federation" (te Ture). Mō kotahi tekau nga tau o te mahi pakeke, tautohetohe e mura, he taea tonu totohe ki te whakawhanake i tētahi tetahi hou mo te pūnaha pēke tikanga pūtea Russian - te pūnaha inihua tāpui (dis). Ko te pūtake o te takenga mai o CERs ko te raruraru i roto i te ōhanga ao i roto i te 30-doma o te rau tau whakamutunga. Hoki te wā tuatahi ka puta tenei puka o mahi i roto i te rängai pēke o te USA i 1933. Ko te aroaro o te pūnaha kāwanatanga, whakarite i te tika o putunga i roto i pareparenga o te whenua EU - he fie o angitu o te rāngai pūtea o te kāwanatanga.

titiro pono nui ki te puipuitua o te ao mahi pūtea o te pūnaha pēke i roto i te Russian Federation i roto i ngā o depositors. Tenei āhua o ngā take tino heke te tomonga o te whakapaipai noa i roto i te rängai pēke.

Te whakawhanake i te pūnaha o te inihua tāpui hangaia te ki te whai i te pānga aueue i runga i te pūnaha pēke katoa. I muri i te mau ohipa o 1998, ka ngaro te wahi nui o pūtea ratou penapena, whakawhirinaki i roto i ngā tahataha i takahi i roto i Russia. kihai i taea e tenei engari i he pānga kino i runga i te whiwhinga o te whakapaipai e wātea ana i roto i te rängai pēke.

ue'i tenei whakawhanake i tētahi anga ture whakahaere i te inihua herea o putunga. Ko te hōtaka tino nui whakatinana e te hapori pēke hoki te pūnaha pūtea Russian, tahi ki te āhua. Ko te hua o tenei mahi tahi - whakanui i te māia takitahi 'i roto i te rängai pēke.

whāinga CERs

Na roto i te whakatinana i te kaupapa here moni tika, ka taea e tatou te whakatutuki i te whāinga whakaturia e te pūnaha o te inihua tāpui whakahauanga:

• whakanui i te māia i roto i te tahatika, ko te kupu whakahihiri pūtea pea;
• tiaki i te tika o depositors pēke Russian;
• ki te kukume i te penapena o tangata i roto i te rängai pēke.

He mea tino nui kia kore he tetahi o te whāinga i te kaupapa matua. No te mea te taenga atu ano te nekehanga i roto i te whakatutukitanga o nga whāinga o te rängai pēke timata ki te patu i nga mau faaiteraa raruraru e tura'ii te tonu tūponotanga mō pūtea tipu. Base, e taea ana ki te whakatutuki i nga whāinga katoa, ko te whanaketanga on o te pūnaha pūtea pēke.

te mau parau tumu o CERs

Ko te mau parau tumu ki runga ki e te pūnaha inihua tāpui i Russia, tohutohu te ture i roto i te Ūpoko 3 o te ture.

pareparenga katoa o te Russian Federation e e āhei mō te whakatuwheratanga me te tiaki o ngā pūkete o mau taata e hiahiatia ana ki te hei i te mau melo o te CERs. Banks whai wāhi i roto i te pūnaha inihua tāpui me:

• Rite tonu te whakarerea noatia e te utu inihua ki te pūtea inihua tiakina, te whakarato i te whakakī tahua tāpiripiri. I tua atu ki takoha ki te pareparenga te tono whiu mo fakahoko mutunga o ona mau ohipa. E hoki nga moni o whaina he puna o ētahi o te Fund.
• Hei whakamōhio ratou kiritaki ki te whai wāhi i roto i te CER, te nui o te utu inihua i roto i ngā mōhiohio i te tihokahoka i roto i nga wahi tūmatanui.
• Arahina-ki-te rā rēhita o herenga nama o te pēke.
• Whakatutukitia te tahi atu mau titauraa whakaritea e te ture.

Tūponotanga o depositors kia maximally iti i roto i te wā i reira e kore e taea e ki te whakatutuki i āna herenga ki kiritaki te pareparenga.

kia mārama Ngohe o CERs. fakahu'unga uru ki ngā mōhiohio pūtea pea e pā ana ki te mahi o te dis tenei.

Just he torutoru o nga parau tumu o te mahi o CERs

I tua atu i nga ngā i runga, ka taea e tatou ahu i te mau parau tumu atu Ture:

• kaiuru i roto i te pūnaha i te kaha ki te hei pareparenga tino pūmau pūtea o te Federation Russian;
• He fakangatangata painga inihua;
• Me mau i te tere mōrahi o te utu rīanga.

Ko te parau tumu o te kātakí moni ka whakarite pareparenga kaha e te mau melo o CERs taea anake e te hunga pūtahi pūtea e makona i te mau titauraa teitei i runga i te āhuatanga pūtea. Na, kawea arotake auau, me te āta o pareparenga ngā i roto hoki i tenei whakaaro i te Central Bank. I roto i te whakamātautau arotakea te tere o ngā rawa o te whare, moni, taumata o te whakahaere, me te ake. Faaore i te "raruraru" pareparenga, me te whakaiti i te mōrea o te pūtea-kore.

Ko te pūnaha inihua tāpui - he tikanga mō te hoki mai i te iti utu. I roto i te runga i Tuhinga 11 o te ture, i roto i te wā rīanga (hanganga ture-kore ki o ratou herenga i te pēke) Ka taea e te investor titau ki te utu i roto i te nui o 100% o nga putunga katoa i roto i te pēke hangaia tango ki pūkete putu moni.

kawea Hoki o putunga moni, me te huamoni i roto i roto i moni. E tahuri putunga i roto i te moni ke i te tere utu Bank o Russia i te wa o te hui inihua. Engari e pūkete te kiritaki i roto i te maha o ngā pareparenga, ka te utu e takoto motuhake mo ia whare pūtea. Te wātea o te whakaaetanga nama ki te pēke ki te whakaiti i te nui o utu mo te nui taurewa.

E kawea utu Insurance i runga i putunga i roto i te ao i roto i roto i te 30 ra. Kei te whakapono te reira e taea te wā utu roa meinga aitua me te whakaiti i te mana o te CERs.

Ko te kaiuru o te pūnaha inihua tāpui

Tei runga i te taunahatanga i faataahia faaite te mau melo o te whai ake o CERs:

• Inihua - pareparenga i roto i te pūnaha inihua tiakina, whakarārangitia i roto i te rēhita pūnaha. Ko te tika ki te riro i te mema o CERs kua ia pareparenga i runga i te huru e ki whakaputaina e te Central Bank o te Russian Federation tona raihana, kukume moni noa o te taupori i roto i te tikanga ki te whakatuwhera i te putunga moni. Haere mōhiohio e pā ana ki te whai wāhitanga o te pēke i roto i te Russian Federation i roto i te pūnaha inihua tāpui i runga i te pae o te ACB i roto i te pēke.
• Painga - depositors, e tika kiritaki pareparenga ki titau i te painga rīanga.
• Insurer - he tinana i te kawenga mō te aroturuki i te mahi o CERs, ara te whakatakoto Insurance Agency (DIA).
• Body, kia tukua ki te aroturuki i te fafauraa ko te Bank o Russia.

I tua atu, te whai wāhi mātātoa i roto i te pūnaha i manako ai te Kawanatanga RF, i roto i ngā, he reira ki te whakahaere i te mahi o CERs.

Whakatakoto Insurance Agency

he wāhi matua i roto i te whakarite e te pūnaha inihua tāpui DIA nui. Wāhanga 2 o te Ūpoko 15 o te ture tautuhi te rārangi o te mana o te Pokapü:

• kaute, me te rēhita o ngā rōpū pēke;
• haaputuputuraa o utu inihua, tiaki o te mana me te haumaru o te tahua;
• depositors kaute tono me te tupuraa o ratou kereme tika;
• karanga ki te Bank o Russia mo maumaui o ture pēke me te whakaritenga mo te tono o mehua o kawenga;
• haumi tahua e wātea ana;
• mana o pareparenga i roto i pā ana ki te whakaritenga whakaritea e te ture;
• te whakatau i te tikanga mō te tātai me te utu o takoha whakahauanga e pareparenga.

Ngā kore e e te mau melo o te SHS

Tuhinga 5 o te ture te kaiwhakau ia e te pūnaha o te inihua tiakina hipokina te wahi nui o ratou, me te haunga o:

• pūkete whakatuwheratia i roto i te peka o tahatika Russian kei noa atu;
• putunga kaimau;
• takoha o IP, te ture, notaries, e he tuwhera mo te whakaaro o te mahi mahi;
• putunga whakawhiti ki te pareparenga i whakawhirinaki;
• moni i runga i ngā pūkete hiko;
• pūkete maitai unallocated.

whakaratohia inihua whakatakoto e te ture, a kahore e rapu i te mutunga o te kawenata motuhake.

take rīanga

TCO ngā maha ngā wā, tae atu te utu o te utu ki depositors:

• whakakorenga o te raihana pēke, hoatu te tika ki te whakahaere i ngā mahi pūtea;
• te whakataki o te Bank o Russia o here i runga i etahi whakawhitinga pūtea.

whakatau katoa e pā ana ki te whakauru me te whakarerenga i te CERs rēhita pēke riro e te Agency.

nga tika o depositors

Ko te depositors o tahatika arumoni i tika i raro i te Ture:

• te fariiraa i te utu rīanga mō ngā putunga;
• ana DIA e pā ana ki ngā take o te hanganga ture-kore e te pēke me ona herenga i roto i te faatura o putunga;
• riro mōhiohio ki tonu i pā ana ki te whai wāhitanga o te pareparenga i roto i te dis.

regulates te pūnaha inihua tāpui te whakatinanatanga o utu inihua i runga ki Tuhinga 12 o te ture. whakaputaina mōhiohio e pā ana te whakatārewatanga o ngā mahi a te pēke i roto i te "Bulletin o te Bank o Russia" i runga i te paetukutuku DIA. Mai i te rā o te hui inihua, me te aroaro o te mutunga o te tukanga kaihau, kua te tika ki te kōnae ratou kerēme, te tuku i te tono i tuhituhia ki te whakahaere rānei te wā, te liquidator ranei te moni. hanga tonu ia te utu mo te 3 ra, engari e kore mua atu i te 14 nga ra i te rā o te hui inihua. I te tono o te moni aua taonga, utu tukuna te i roto i te moni ranei whakawhiti ki te whakaritea pūkete pēke.

CERs takatika me te tōraro

Ko te raruraru o te whakarite i te haumaru o putunga moni i roto i te pareparenga - tetahi o te whanaketanga pai matua mo te ōhanga o te whenua. Ko reira kahore ngaro e akiaki ana i te kore o te whakawhirinaki i roto i te pūnaha pēke iwi kahore ki te haumi i te wehi o te ngaro ratou ake ake. Hei whakakore i tenei take kino, me te ture e hānga ana hangaia ki te whakarato i te taurangi ki depositors.

Ko te pūnaha inihua tiakina - ko te taahiraa nui ki te whakanui ake i te whakawhirinaki i roto i ngā tahataha tenei. He āhuatanga nui o CER ko ki te whakatau i te pēke tāpui aua taonga, rawa, e kore te pēke.

Hei whakahaere i te mahi pūnaha, whakahaere i te mahi o te mau parau tumu, me ngā whāinga o te Pokapü mo whakatakoto Insurance, e, i roto i te tahuri, whakawhirinaki i runga i te ture o te täkupu. Ano, i roto i te tikanga ki te whakakaha e whai o te Pokapü te tika ki te takitahi te kawe i roto i ngā whakawhitinga pūtea.

inihua tiakina - ko te tikanga faufaa o te pūnaha pūtea tangi. Ano, te pareparenga ratou e hiahia i roto i to ratou whai wāhi i roto i te CER. Mai te mahi angitu o te pēke e taea kahore he whakatūpato o kaihau, me te whakarato ia ki te tautoko i roto i nga wa o te raruraru i te utu o moni tūmatanui.

I teie mahana, kāore, e taea e kore te whakaaro te pūnaha inihua tāpui i roto i te tino Russian Federation. E titau te reira whakapai ake. Tohunga mea kia tangohia e atu tikanga e pai te faatere:

• whakawa, tuku pareparenga takitahi ki te mau tonu putunga, ahakoa te rangatira o te mana hi'opo'araa ki whakatarewa nga mahi o te pēke.
• Ko te roha o te rārangi o "inihua" ngā na roto i te tae atu ki ngā kaipakihi takitahi, pakihi iti ture, putunga konganuku me te pera i runga i.
• He hua äta i roto i te moni ka taea mōrahi. I roto i ngā o te tupu o te ōhanga, i te paerewa ora o tangata, o te akoranga, ake i me putunga. he āhuatanga taua e uta e, ko te tupu o taurangi kāwanatanga mō putunga pēke, e tika e pau i te whakawhirinaki o depositors.
• Ko te tukanga mō te whakatau i te takoha aromatawaitia i pēke mema. whakamahia teie mahana "auau flat" ki te whakatau i te taumata o takoha. I te wa ano te utu nga pareparenga katoa te taua ōrau o te putunga. Heoi, i homai te rerekē ngā taumata mōrearea o tahatika, e kore te mea tika tenei pūnaha.
• Te whakarei ake i te tūranga o te DIA ki te ārai i te kaihautanga o pareparenga, me te whakarato ratou ki te tautoko e tika ana mo te roto o uaua āhuatanga pūtea.

Ko te kupu, titau te pūnaha inihua tāpui te huarahi whānui ki te tirohanga ki te hanga i te huringa e tika ana, me te whakapai ake. Ano, he mea nui kia kawea tenei mahi i roto i tahi e nga kaiuru katoa o te pūnaha inihua tāpui.