Azichitira ntchito banki linapereka yaitali bwanji?

chigamulo pa boma kulembetsa wa bungwe lililonse ndalama analandira mwa Bank ku Central la Russia. Kamodzi zokhudza banki kugwa m'kaundula limodzi, iye afunika kudziwitsa za kusintha zonse zikuchitika. Azichitira ntchito banki kupelekedwa ndi CB.

tanthauzo

Choyamba, tiyeni mwachindunji zimene tingachite "chilolezo." layisensi A imatengedwa chilolezo chapadera kupelekedwa ndi Akuluakulu abomawa, mu mawonekedwe a Chikalata chimene boma ndi zomwe zili zenizeni, mawonekedwe ndi nthawi.

Ngati ife kutenga tanthauzo pamwamba monga m'munsi ndi kuwonjezera kwa iwo akupanga ku Chapter 2 wa Act banki, kupeza tanthauzo la chilolezo kuchita ntchito kubanki.

Chiphatso kuchita ntchito banki - chilolezo wapadera ku Bank of Russia kuti aphedwe za ntchito banki mu mawonekedwe a Chikalata chimene boma kulamulira kutengerapo bwino bungwe chuma kuchita mwachindunji ntchito m'menemo banki popanda malire nthawi.

mitundu ya ziphatso

Kwa magulu banki mitundu kumene kupezeka kwa ziphatso, monga:

• chilolezo kuchita ntchito banki mu rubles (popanda yoyenera kukopa miyala ya anthu zachilengedwe ndalama);
• pa kuphedwa kwa ntchito mu rubles ndi ndalama zakunja (popanda mphamvu youkitsa ndalama ku miyala ya anthu athupi);
• kukopa madipoziti ndalama ndi mayikidwe a zitsulo zamtengo wapatali (layisensi ndi wosiyana ndi chiphatso kwa kuphedwa kwa wotuluka ndalama);
• pa kulera ndalama za anthu madipoziti (mu ndalama dziko);
• pa kulera ndalama za anthu madipoziti mu ndalama dziko ndi achilendo;
• pa kuphedwa kwa ntchito mu rubles kapena ndi ndalama zakwawoko ndi lina kwa mawerengedwe a mabungwe omwe si a banki ndalama;
• pa kuphedwa kwa ntchito mu rubles kapena ndi ndalama mu ndalama dziko ndi zakunja kwa kuthetsa mabungwe osakhala banki ndalama, amene akuchititsa gawo ndi kukongoza ntchito.

Azichitira ntchito banki linapereka:

• kuphatikizidwa wa madipoziti ndi mayikidwe a zitsulo zamtengo wapatali;
• kuphatikizidwa wa miyala ya anthu thupi ndalama dziko;
• kuloŵetsedwa ndalama miyala ya anthu ndalama dziko ndi achilendo.

A chilolezo osiyana ndi maganizo ambiri.

layisensi ambiri

laisensiyo kwa ntchito banki kupelekedwa ndi mabungwe ena azachuma kuti tavomerezedwa kudzapereka zonse ntchito pokwaniritsa Chilamulo Federal kuchuluka kwa ndalama zokha.

Pankhaniyi, chiphatso kwa mayikidwe a zitsulo zamtengo wapatali si chofunika kupeza chilolezo ambiri. Gulu ali ndi chiphatso ndi ndalama kuchuluka kwa rubles 180 miliyoni, akayike pabvomelezo ya nthambi Bank Central ndi maudindo nthumwi m'mayiko ena. Komanso, izi mabanki mwina, malinga ndi zofunikira za Bank ku Central kukhazikitsa bulanchi.

General azichitira ntchito banki imagwira ntchito mopanda malire zaka.

zinthu amvekere

Chikalata akhoza chikalata pokhapokha boma kulembetsa kuti, amene anapereka malamulo ndi malangizo a Bank ku Central mwalandiridwa. Chiphatso kuchita ntchito banki apereke umboni wa zimene ndalama adzakhala ntchito banki ngati ndalama nawo zopereka, komanso kuthekera kuwayika zitsulo zamtengo wapatali.

Chifukwa chakuti nkhani ya kupereka chilolezo ankaona surcharge wa 1% likulu gawo. Izi ndalama akulowa chuma cha bajeti feduro.

Anaperekeranji chilolezo ayenera n'komwe mu mndandanda wa ziphatso chikalata. Chotero mndandanda wa banki Russian ayenera kufalitsa mu Bulletin wa Bank ku Central la Chitaganya cha Russia osachepera kamodzi pa chaka. Pankhaniyi, kusintha onse akutulukira ndi kuwonjezapo kwa kupanga m'kaundula mwezi pasanafike imodzi kuchokera tsiku wa umwana awo.

Chiphatso ayenera kukhala ndi mfundo zokhudza ntchito banki imene bungwe ili chuma ali ndi ufulu, komanso mfundo za ndalama zimene banki ali ndi ufulu kugwira ntchito. Chiphatso kuchita ntchito banki chomveka nambala yosadziŵika ya zaka. M'mawu ena, ndi zochepa nthawi.

ntchito popanda chilolezo

Zochokera chakuti ziphatso kwa kukwaniritsidwa kwa banki ukutitsimikizira wosindikiza Bank ku Central la Russia, kuchita zinthu popanda chikalata ichi chingandithandize ndalama ndi zilango kuchuluka kwa phindu okwana amene adalandiridwa ndi bungwe ntchito. Komanso, gulu opareshoni popanda chilolezo, adzafuna kulipira chabwino kwa bajeti feduro pawiri kukula kwa ndalama zimene munalandira mu njira ya ntchito.

Zilango ndi ndalama opangidwa ku khoti pa suti ya wozenga kapena Bank wa Central.

Bank ku Central ali ndi ufulu kupanga zoti liquidation wa mabungwe alamulo, ntchito popanda chilolezo ndi wozengereza ankayendetsa zachuma. mabungwe oterowo ndi utsogoleri, boma, malamulo ndi udindo chigawenga. Pa nthawi yomweyo, kuti chiphatso kuchita ntchito banki, yafupika tsiku la revocation wa Chiphatso.

kupeza chilolezo

Wabwereka, kosamalira chuma ayenera kusonkhanitsa ndi kugonjera zikalata izi:

1. ntchito kuti kalembera boma. Mu ndemanga iyi, mfundo zonse za bungwe chuma ayenera anasonyeza, komanso thupi wamkulu, mungathe kulankhula ndi banki.
2. Memorandum anzawo. chikalata ichi amaperekedwa, ngati malamulo feduro. Kupereka zofunikira kapena zoyambirira kapena buku aŵiri.
3. Hayala za bungwe. Zoperekedwa zoyambirira kapena buku aŵiri.
4. Business dongosolo. Lingaliro la ntchito chimakula ndi wovomerezeka pa msonkhano wa oyambitsa. Mpukutuwu uli ndi mfundo za ofuna malo mutu wa yowerengera akulu, komanso kukondweretsa hayala lapansi. Kulemba dongosolo ntchito ndi cholinga malamulo a CBR.
5. Chikalata natsimikiza malipiro a ntchito za boma ndipo amalipiritsa chilolezo.
6. zikalata pa kalembera wa oyambitsa lapansi. Zikuphatikizapo ndi kafukufuku maganizo pa kulondola statement a chuma choperekedwa ndi chitsimikiziro cha anayendera msonkho pa kukhazikitsa kudzipereka kwa ndalama za boma ndi tchalitchi kwa zaka 3.
7. Kuthandiza zikalata za chiyambi cha ndalama mosavomerezeka.
8. Mbiri ya ofuna udindo wa woyang'anira, yowerengera akulu, wachiwiri ndi maudindo ofanana mu nthambi za bungwe. Mbiri awa ayenera muli zofunika zonse: mwatsatanetsatane, udindo maphunziro (malamulo kapena chuma) zinachitikira utsogoleri mu munda womwewo, chigawenga mbiri cheke. Mapulogalamu ziyenera kulembedwa mu dzanja lake.

Bank of la Russia mu yokonza zikalata zonse adzakhala apereke chiphaso olembedwa.

Kukambirana Russian banki

Kukambirana boma kulembetsa ndi issuance chiphatsocho zili mkati Patangotha miyezi isanu ndi tsiku kugonjera zolembedwa zonse zofunikira.

Pambuyo banki kusankha pa kalembera wa bungwe chuma, izo akutumiza mfundo zonse za ku thupi ovomerezeka, zomwe adzapanga zambiri mu mndandanda limodzi la mabungwe alamulo.

Pamaziko a mwasankha wa zikalata anagonjera thupi ovomerezeka patapita masiku asanu kupanga bungwe mu chikhalidwe m'kaundula limodzi la mabungwe alamulo. Tsiku lotsatira, zimenezi pofuna Bank wa Central. Ndipo nayenso, mu masiku 3 kukanena zimenezi kwa anayambitsa bungwe.

Kenako, oyambitsa akuyenera pasanathe mwezi umodzi kuti kupereka likulu mayina kuchuluka kwa 100%. Patatha izi, kosamalira ndalama amalandira chikalata natsimikiza kulembetsa boma. Chikadzangotha boma kulembetsa wa bungwe chikalata chilolezo kugwira ntchito kubanki. Kwa nthawi yayitali bwanji? CBR si kuchepetsa mawu a chilolezo cha.

Ngongole ya Bank of Russia kuti revocation ndi

Bank of Russia revokes chiphatso ngati:

• mtengo wa gawo la likulu yafupika 2%;
• kuchuluka kwa mwini ndalama bungwe ndalama pansipa pakhomo osachepera gawo likulu la Chitaganya cha Russia amawatenga banki pa tsiku la boma kulembetsa wa bungwe;
• bungwe ndalama anyalanyaza lamulo la Bank ku Central pa chiyerekezo cha mlingo wa mtengo wa chilungamo ndi kuyanjana;
• kosamalira ndalama simungathe kukumana zonena za angongole ndi kukwaniritsa udindo wake pa malipiro mokakamizidwa.

Grounds kwa revocation

Chiphatso kuchita ntchito banki ukhoza kuletsedwa ngati:

1. Panali malo kukhulupirira kuti mudziwe anagonjera pa maziko a mpukutuwu ndi inaletsedwa, adzakhala yosagwira ntchito.
2. Yambani ntchito kuchedwa kwa tsiku kuposa wina.
3. Mfundo deta osadalirika.
4. malipoti mwezi anachedwa ndi masiku opitirira 15.
5. bungwe Financial akuchita ntchito sizinafotokozedwe mu chiphaso cha.
6. Pa chaka, bungwe ndalama akuphwanya malamulo zolamulidzwazo potsata malamulo a ku Central Bank Machitidwe la feduro.
7. Anaona Kulephera mobwerezabwereza kukwaniritsa zofunika anakhazikitsa bwalo wolakwa kutolera ndalama.
8. Pali ya pempho yochokera ku makonzedwe wogwirizira anakhazikitsa motsatirana Chilamulo Federal "Pa insolvency mabungwe a zachuma."
9. Bank ku Central mobwerezabwereza analephera kupereka uthenga kusinthidwa zofunikira kuti mupezeke boma m'kaundula.

Maziko ena amene chilolezo anali lakana tidzakwatulidwa anaona yosagwira ntchito. chisankho RF Bank kuti asinthe chiwembu azitenga zotsatira pambuyo pa kukhazikitsidwa kwa mchitidwewo ndipo akhoza anapempha pasanathe mwezi umodzi kuchokera tsiku kufalitsidwa mu boma yotchedwa Gazette.

Kodi n'chiyani chikuchitikira banki pambuyo revocation ndi

Azichitira ntchito banki wosindikiza Bank ku Central la Chitaganya cha Russia, ndipo kudzipatula. Pambuyo revocation wa bungwe chuma ayenera lithe. Komanso bungwe ndalama, revocation ndi:

• pakubwera mawu a ntchito udindo;
• kugwira accrual la zilango pa ngongole;
• zikalata inaimitsidwa ntchito pa kafukufuku chuma (kupatula zolemba wamkulu, amene Ndiyeno pa maziko a ayambe arrears malipiro, malipiro a Malipilo, alimony ndi ndalama zina) Ndiyeno pa maziko a mlandu ndi mphamvu kufikira revocation wa Chiphatso;
• zinthu zoletsedwa za bungwe ndalama mu mawonekedwe a chogulitsa kapena ntchito udindo (kupatula wotuluka okhudza zofunikira ndi yokonza ndalama, komanso malipiro phindu) mpaka poika komiti liquidation kapena bankirapuse matrasti.

layisensi kubwerera

bungwe Financial, imene Bank ku Central lakana chiphatso mtumikiyo ukhonza udindo wa gulu, amene amachititsa banki bizinesi yake. Pakuti revocation izi judicially sanatsutse wa Chiphatso. Ndipo ngati kumva adzakhala kusankha zinthu zolimbikitsa, Bank of Russia adzabwerera chiphatso bungwe. Ndipo Dziwani kuti mchitidwe milandu, nkhani ngati zimenezi ndi zachilendo, ndi m'chisomo a mabanki.

Komanso, banki chapakati akhoza kubwerera chiphatso pa kanthu yake. Izi zimachitika pambuyo bungwe ndalama adzakonza ndi kuyan'anila zonse zimene anazipeza pa chavuta ndi.

akuti chiphatsocho

Chiphatso kuchita ntchito banki chomveka, unrestricted ndi nthawi. The bungwe ndalama akhoza kukwaniritsa ntchito zonse zafotokozeredwa chilolezo mpaka nthawi monga si lakana ndi Bank ku Central kapena iye sadzaleka ntchito yake.

Mawonekedwe a chilolezo cha likhoza kupeza tsiku lina - tsiku la nkhani ya chipembedzo chake chuma. Chaka chilichonse, Bank ku Central akuchita chiphasochi umalimbana kukwaniritsidwa kwa zinafotokozedwa ntchito chiphaso.