Cession (utumiki) mu kukongoza

Ntchito ya amanena ndi Bank pansi pa pangano ngongole kwa gulu lachitatu amene alibe chilolezo banki - lamulo ngati zimenezi wa Bank?

M'mawu ena, ngati wobwereka bwino amachita maudindo yake pansi Pangano - ngati banki bwino "kugulitsa ngongole" zosonkhanitsira bungwe.

Pa nkhani imeneyi, pali mfundo zingapo view sayansi yamakono. Ndi osokoneza ndiponso mlandu malamulo pa nkhaniyi.

Zonsezi chinachititsa wolemba kulemba nkhaniyi.

Tiyeni tione pa nkhaniyi pa maziko a malamulo panopa.

Apitirizebe Malinga Art. 382 wa Civil Code kumanja (amanena), a ngongole pamaziko a mukukwaniritsa akhoza anasamutsa kwa munthu wina mu ndikupeleka (cession), kapena munthu wina pa maziko a malamulo.

Kusinthana kwa munthu wina, ufulu ngongole safunika amafuna chilolezo cha wokongolayo, kupatulapo ngati tasonyeza operekedwa ndi lamulo kapena kuti mgwirizano.

Choncho, pokhapokha malamulo kapena mgwirizano sasamalira milandu wapadera vesting zofunika udindo kwa wokongoza wina ndi mzake - chilolezo kwa ngongole si chofunika.

Malinga Art. 388 wa Civil Code ntchito mfundo ndi ngongole kwa munthu wina ali ololedwa ngati si lamulo, ntchito zina malamulo kapena mgwirizanowo.

Ndipo gawo lachiwiri la nkhaniyi imakamba kupeŵa popanda chilolezo cha ngongole za udindo zofunika ntchito, imene chizindikiro cha ngongole ndi zofunika chifukwa wokongolayo.

Motero, lamulo likunena za nkhani wapadera komwe wamangawa chofunika chilolezo kwa ntchito ufulu zonena - izi ndi wofunika kwambiri kwa wokongoza wa wokongolayo.

M'dera la ngongole n'kofunika kuti banki ngongole kuonekeratu zowonetseredwa ndi zinthu zotsatirazi.

1. chilolezo A ankachita zinthu kubanki.

Lingalirani ayenera kumwedwa pamodzi, kotero banki - si ntchito kokha pa kutsegula kwa nkhani banki ndi opereka ngongole. Adakali ndi zotsatira za ntchito molakwika udindo pansi mgwirizano, kumakhalanso chilango cha zimenezi kudzasokonezeka.

Banki ntchito limabweretsa m'gulu la malonda. Ndipo wapolisiyo ali pangozi anu. Ie kuopsa onse obwera ndi sanali kupereka ngongole ndi, kunama kumbali ya wobwereketsayo - Bank. Choncho, mfundo ntchito banki ndipo zikuphatikiza nkhani zimenezi zosonkhanitsira ngongole.

Komanso, pamaso pa chiphaso cha ikuti kugwilizana ndi zofunika zina pulogalamuyo. Non-ikupanga ndi malamulo amenewa adzachoka zikuphatikizapo kuyimitsidwa chiphatsocho mpaka revocation lapansi. License kugwilizana deta umalamulidwa ndi boma, mwa udindo wake pagulu - Bank ku Central la Chitaganya cha Russia.

Choncho, zikuonekeratu kuti wobwereka pamene tipezeni Bank amafuna boma kulamulira zochitika Bank a. Ndipo pa ntchito zonse za kubanki, kuphatikizapo ayambe ntchito arrears.

M'chigawo bungwe alibe chilolezo ankachita zinthu banki, kuphatikizapo zosonkhanitsira ngongole.

2. Compliance ndi mobisa banki motsatirana kuti Art. 26 Chilamulo Federal "Pa Banks ndi Ntchito kubanki.

Choncho malinga ndi Art. 26 Chilamulo Federal "Pa mabanki ndi ntchito banki" Bank chofunika kukhalabe banki mobisa. Lingaliro la mobisa banki zikuphatikizapo zambiri pa udindo wa nkhani panopa anatsegula ndi banki, kukhalapo kapena kusapezeka nkhani sonyezani , ndi zina zotero.

Zimaonekeratu kuti Bank si yakuti kuulula banki mobisa lachitatu maphwando.

Komanso, ngongole ambiri limodzi ndi kutsegula kwa nkhani banki (mwachitsanzo kadi).

Chinthu amakhudza kusankha wobwereka ndi - kugwiritsa ntchito kwa ngongole ku mabanki kapena kutenga ngongole ku bungwe amene alibe chiphaso kubanki. Ndipotu, ngati wobwereka lokhudza Bank ndi pempho kumpatsa ngongoleyo, wobwereka moyenerera amafuna kuti mwambo ndi kuwonongeka zotheka chikhalidwe chake azachuma, Bank sadzakhala kugawira zambiri zokhudza banki mobisa. Pachifukwa ichi, borrowers ambiri akusankha ngongole kubanki, ndi ngongole si mu bungwe payekha.

3. Malinga ndi malamulo atsopano a ku Russian Federation - kachidindo NACE kuti achire overdue ngongole kubanki - palibe.

Choncho, zochita za mabungwe deta ndi zoletsedwa panopa. Okhometsa saloledwa kuchita mndandanda wa ngongole overdue. Komanso, wobwereka amatenga ndalama kubanki, osati "amalume mu msewu," kutsimikizira tanthauzo la Bank kuti wobwereka lapansi.

Choncho, kusanthula ndi malamulo panopa zikuonekeratu kuti Bank mwina, popanda chilolezo cha wobwereka ndi kusamutsa ufulu wawo amafuna kuti abwezere ndalama ngongole ndi chidwi chifukwa pansi pa pangano ngongole ku gulu lina kuti alibe chilolezo kubanki.

Komabe, mu kuchita, osunga ndalama kuti pamene ntchito kwa ngongole - wobwereka wapereka ake chilolezo kwa processing wa deta, potero anatsimikizira chilolezo ake kukatumikira zodzinenera ku chipani chilichonse lachitatu.

Ndi wosonyeza ndi sitingakhoze kugwirizana pa malo awa.

Choyamba, processing deta malinga ndi Chilamulo Federal "Pa Data Personal" zikuphatikizapo mfundo zotsiyana amene anasamutsidwa pansi mgwirizano wa ntchito zodzinenera (cession). Kapangidwe ka deta monga mfundo izi: labambo, dzina ndi patronymic, kulembetsa ndi kukhala adiresi. Place ntchito, manambala a foni - ie, zambiri zanu za wobwereka lapansi. Pamene ntchito amafuna ufulu opatsirana (kukonzedwa) zina ndithu zokhudza kuphedwa ndi wobwereka udindo wake pansi Pangano.

Komanso, pamene ntchito kwa thandizo ngongole ndi wobwereka consents kwa processing deta zawo zokha kuthetsa vutolo - kuti apereke ngongole kapena ngongole kukana.

Ponena za imfa ya pangano ngongole Bank ndodo salankhula ndi chiyani kufotokoza kuti wobwereka lapansi. Choncho, malinga ndi Art. 10 Chilamulo RF "Pa kutetezedwa kwa ufulu Kugula" zimenezi zikhoza anayenerera akusocheretsa za katundu wa utumiki.

Komanso, wobwereka chilolezo chiyenera chionetsedwe wotsimikiza. The nkhawa ndi mawu akuti mu chipangano "chipani chilichonse chachitatu" sayendera lamulo. chilolezo wobwereka ndi kuonetsedwa concretely, kuti wobwereka akuvomera kusamutsa ufulu wa ngongole ya (Bank) ndi yeniyeni gulu lina zikusonyeza adiresi ake kalembera, kukhazikitsa lenileni la ntchito, tini nkhokwe.

The mapangano ngongole ya ichi simudzandipeza, kotero, mu gawo ili palinso kuphwanya malamulo.

Choncho, tinganene.

1. ntchito The Bank, amene imvera pulogalamuyo - osati ntchito pa ngongole, komanso ntchito ayambe kuchuluka ngongole kwa borrowers lapansi.

2. Ntchito ya Bank ufulu wake pansi sikapangano Loan popanda chilolezo cha wobwereka ndi oletsedwa.

3. chilolezo cha wobwereka ayenera bwino umaonetseredwa, mwachitsanzo chilolezo ake ayenera makamaka kumatanthauza ndi gulu lina amene Bank Zosintha amafuna ufulu wake.