Dongosolo la ndalama

Mu kukhazikitsa mabungwe malonda kubala zosiyanasiyana mawerengedwe ntchito dongosolo cashless mwa gombe kutumikira. Kugwira ntchito izi chilli moyo ndalama zokhumba malipiro ndi malamulo. zikalata izi ndi maziko a lemba wolemera ndalama pa nkhani za gulu bizinesi Koma ngati pamene minda onse m'njira izi kubala deta chofunika kuti ndi kuvomerezedwa.

Imodzi mwa maselo, kapena zofuna za malangizo kakunena mu mawonekedwe a manambala stamped, amene angathe osiyanasiyana monga munthu sikisi. Amatanthauza dongosolo la malipiro. The tanthauzo la chizindikiro ichi enshrined mu Civil Code. Malinga ndi lamulo ili, dongosolo la malipiro - ichi ndi kugwirizana okhwima mu kukhazikitsa ntchito zimene zimagwiridwa mabungwe banki pa gulu lapadera la zikalata malipiro, pamene nthawi yawo ndi ndalama wabwera kapena adzabwera mu tsiku.

ndalama utalembedwa-kuchokera mode wayikidwa pamene udindo ndalama chilli bizinesi salola kulipira ndalama zonse mu nthawi yake. Ngati zikatero chiyani osadzuka, ndiye azilipiritsa ndalama zonse zofunikira banki adzapangidwa mwa dongosolo la gulu.

Dongosolo la malipiro mokakamizika ndi lamulo enshrined m'nkhani mazana asanu ndi makumi asanu ndi lachisanu la Civil Code. Mtengo wake anatsimikiza ndi zotsatirazi:

1. choyamba cha malipiro banki mabungwe agwire ndalama madebiti pa nkhani ya mabizinezi monga mapepala a khalidwe wamkulu, chimene kulanda ndalama ayenera akwaniritsa zofunikira kwa reimbursement wa kukonza komanso mavuto thanzi ndi moyo wa nzika.

2. Chiwerengero "ziwiri" m'munda, kuloza ku malipiro lotsatira, ndi mankhwala Magulu poyera mu kupereka zikalata zokhudza malipiro a severance ndalama malipiro pansi pa pangano ntchito, pangano kapena kukopera pangano. The funso lokhudza patsogolo ndalama, m'nkhani Kusankha la Constitutional Court, amene wakhazikitsa kalendala ndondomeko ya debiting ndalama pa nkhani za bungwe ndi malipiro amene analipo bajeti ndipo kumbali-bajeti ndalama boma, komanso mapindu amene ali mphoto chifukwa cha ntchito yawo. Pa nthawi yomweyo iwo angathe kuchizidwa ngati ankasinthana yoyamba ndi yachiwiri.

3. Ngati malipiro zikalata ozungulira kutsogoza lachitatu, banki zimapangitsa kutengerapo mu ndondomeko ya limanena za ndalama kwa ogwira ntchito amene anagona ndi abwana ali chokongoletsedwa mapangano ntchito (zimenezi). Ndi panopa mmene anawasiyanitsira zimaphatikizapo ndalama kwa ndalama boma (penshioni, zotchinjiriza moyo, mankhwala inshuwalansi mokakamizidwa). Ngati boma la nkhani bungwe salola kusintha mu tsiku limodzi, kutsogoza lachitatu la malipiro anapanga kalendala zinayendera. Pankhaniyi, tisaiwale kuti malipiro kwa malamulo nkhawa kuti chilango cha boma loyamba ndi lachiwiri ayenera akakwaniritsa.

4. patsogolo chachinayi cha ndalama amapereka malipiro kwa bajeti ndi ndalama zokhudzana ndi kuchoka ikatha. Zikuphatikizapo amene sanamulandire kulemba-mu akuyambira lachitatu. Komanso chachinayi zonse malipiro - sitampu ntchito, ndalama, zilango, etc. ndalama zonse zikalembedwa pokhapokha kukwanilitsa ziyeneletso zokhudza mode nambala wani, awiri kapena atatu.

5. kuti chachisanu ndi ndalama amapereka nawuza kuchuluka kwa zikalata wamkulu chikhalidwe chimene amapereka kwa wosangalala zofunika zina.

6. Chiwerengero "zisanu ndi chimodzi" mu ima pamzere malipiro zikutanthauza kuti zikalata amavomerezedwa kuti aphedwe mu ndondomeko kalendala.