Bankirapuse angongole - ndani zimenezi? Nkhambakamwa ndi ufulu wa angongole bankirapuse

Relations pakati mabizinesi zochokera phindu mangawawo. Chikhalidwe cha Mwanjira imeneyi kungakhale aliyense. Mwachitsanzo, gulu lina amachita monga katundu nyama, ndipo chachiwiri - amapanga sausages. Komabe, mosasamala kanthu za limatchula za aliyense kampani aliyense wa iwo ndi ngongole, ndi zina - ndi ngongole.

Kuvuta za bizinesi

Mu malonda dera si nthawi zonse zimachitika pakati pa zisudzo ikuchitika popanda mavuto. Ngongole wina ogwira ntchito ndi mzake, ngati yochepa mu chikhalidwe ndi chifukwa cha kufunikira kwake kwa nthawi malipiro, ngati labwinobwino ndipo kawirikawiri sayambitsa nkhawa pakati zibwenzi. Koma nthawi zina, kampani sangathe kulipira udindo wake, mogwirizana ndi zimene watero yokha zinatha. Imeneyi, womanga atumikire monga bankirapuse ngongole ya wokongolayo. Taganizirani mbali zina za udindo uwu.

mwachidule

Bankirapuse angongole - ndi nkhani zachuma, amene kampani ali ngongole kwambiri. Mayendedwe malamulo a anthu oterowo anatsimikiza ndi Federal Chilamulo №217 "About bankirapuse (insolvency)". Kuyambira tanthauzo limene m'chilamulo, ndizoonekeratu kuti mabungwe amene ogwira wakhala ngongole chipembedzo mu mtundu, sangathe kuchita monga angongole bankirapuse. chochitika ichi ndi chinthu chachikulu anthu awa. Mwachitsanzo, pakati pa Mlengi wa sausages ndi kupereka nyama kampani anasaina mgwirizano ntchito yobweretsa matani 100 a nkhumba. Posinthanitsa ndi yaiwisi wopanga chuma ali ndi udindo kupereka kampani matani 40 a mankhwala itatha. Ngati Mlengi waphwanya mfundo za panganolo, zofunika, mu nkhani iyi sangakhale bankirapuse ngongole.

kuchotserapo

Akuti si nzika zonse, amene kampani zinatha ali zofuna ndalama, akhoza kuchita monga angongole bankirapuse. wosamasula Izi amaperekedwa kwa Chilamulo Federal №127. Lamulo limati kuti bankirapuse ngongole sangakhale nzika, amene kampani ali mangawa amene anaonekera mogwirizana ndi kuwononga thanzi lake ndi moyo kapena osakhala pecuniary kuwonongeka, komanso wapatsidwa kuthekera malamulo kulandira chipukuta misozi ntchito bankirapuse aluntha ntchito mankhwala, ndipo ena magulu ena.

mungachitepo malamulo

malamulo inakhazikitsa ufulu wa bankirapuse ngongole. Monga mmodzi wa waukulu imalimbikitsa mwayi kupita chigamulo. Zochita ndi mawu a bankirapuse ngongole akutumikira monga maziko kuzindikira za gulu zinatha. Munthu amene amapita ku khoti, m'pofunika kuganizira kuti akugwirizana ndi insolvency momveka bwino Chilamulo Federal 127 (Article 3). Mwachibadwa, ananenanso kuti ndondomeko bankirapuse motsutsa bungwe lalamulo akhoza kuyamba, ngati mulibe anakwaniritsa udindo wake ndalama pasanathe miyezi itatu kuchokera tsiku zafotokozeredwa mgwirizano.

Msonkhano wa angongole mu Kuthi bankirapuse

Kuwonjezera kupita ku malamulo bwalo amapereka limatchinjiriza china chofunika akuvutika. Nthawi zambiri ogwira alibe wina koma zingapo kudzipereka zosiyana counterparties. Mu nkhani ya kuzindikira zinatha wake kuchita msonkhano wa angongole bankirapuse. anthu onse amene kampani ali ndi udindo kutenga nawo mbali mu msonkhano amenewa. Iwo amanenedwa ndi ufulu kuti azivota pa zokambirana za m'magazini kukanikiza zokhudzana Kuthi ndi bankirapuse. maganizo awo n'komwe mu kupanga zisankho zokhudzana ndi bungwe phwandolo, kasamalidwe kunja kapena kuchira ndalama.

Chofunikanso

Mu FZ №127 amapereka mndandanda wa mafunso okhudza likhale wochita bankirapuse, zochita atengedwa okha pa msonkhano wamkulu wa angongole bankirapuse. Zikuphatikizapo, makamaka monga chiyanjo cha dongosolo la kuchira ndalama, kutanthauzira manenjala chigamulo, amene azichita zinthu zonse malamulo ndi nkhani ya insolvency kuzindikira, kulandira alipire kukondera ndandanda ndi zina zotero. A mndandanda wa nkhani kuonedwa kuti ndi msonkhano angongole, anauyamba ndime nkhani 2 12 la chilamulo pamwamba.

ubwino

Federal Chilamulo №127 amakhazikitsa zingapo zofunika kwa ufulu wa angongole bankirapuse. Mwachitsanzo, ngati kampani amachita monga chotengera cha kudzipereka kwambiri mwaunyinji, malemba zimapereka mpata kukhala Mlengi wa zokambirana za insolvency ndi counterparty a. Kampaniyi akhoza mosadalira kukhala uchimo msonkhano kuti pali magazini ya wamkulu zoyenerera. Makonzedwe amenewa agwiritsidwa kwa mabungwe omwe kugwira 10% kapena kufunika okwana udindo kwambiri ndalama ogwira ntchito imene ndondomeko bankirapuse umagwiritsidwa ntchito.

amanena ndalama

Umwini wa angongole pamene Kuthi bankirapuse analembedwa ndi systematized manenjala chigamulo. munthu uyu ndi udindo kukhazikitsa njira kuvomerezedwa mosavomerezeka. Kwenikweni, imagwiritsidwa m'kaundula wa angongole bankirapuse. Kupereka zonena zawo ndalama, makampani ayenera kupereka umboni wa kukhalapo awo. Trasti mu bankirapuse, poganizira za pempho la bankirapuse ngongole, adzakhala kusankha pa kuzindikira yovomerezeka ake (malamulo ndi wolungamitsidwa). Ndi kuunikaku panoyi kulowa katswiri adzatumiza pempho kampani kupereka zina zambiri. Information malinga ndi Article 16 (7 p.) La Chilamulo Federal №127, ayenera anasonyeza ulemu wa angongole onse. deta Izi zikuphatikizapo dzina la bungwe lalamulo, mfundo banki, adiresi ya malo. Ngati wokongoza ndi nzika, kutitsogolera, motero, dzina lake lonse, zogona adiresi, mfundo pasipoti.

Komanso

Pambuyo zonena ndalama adalowa m'kaundula, bankirapuse ngongole mwina mufunsire Tingafinye kwa izo. Izo deta pa kapangidwe ndi kuchuluka pankhani ya kukhuta. Komanso, mawu anasonyeza dongosolo, mwa zomwe amanena ndalama zimapezeka. woyang'anira chigamulo ayenera kugonjera chikalata pasanathe masiku asanu kuchokera tsiku chiphaso cha pempho.

nuance

Pali Zosankha wapadera malamulo, amene anaupereka bankirapuse angongole. Izi kwenikweni chikutanthauza mabizinezi, ndi buku zodzinenera yovomerezeka ndalama osachepera 1% ya chonse pamodzi. makampani kungatenge yekha wachotsa. Iwo tapatsidwa ufulu kupempha ndi buku mbiri yabwino ya kaundula lonse.

zingachitike

malamulo imalongosola angapo zochitika okhudza chiyambi cha Kuthi bankirapuse. Monga zotsatira malamulo ndi mfundo zotsatirazi:

1. Amakhala pa kukwaniritsidwa kwa zofuna ndalama akuwuka isanafike ndondomeko, adzakwapulidwa anaona zinachitika.
2. Accrual la zilango, chidwi ndi ziletso zina mabasi. The kuchotserapo ndi milandu panopa ndi mitengo zotchulidwa malamulo.
3. Information pa nkhaniyi ndalama za ogwira zinatha amathera kuchitiridwa ngati chinsinsi ndi zokhudzana zinsinsi malonda.
4. Kukhazikitsa wotuluka zokhudza kupatuka katundu kapena zokhudza zakayendesedwe ake lachitatu maphwando ntchito amaloledwa yekha ndi malamulo a Kuthi ndi bankirapuse.
5. Kuphedwa kwa onse IL kuti opatsirana kwa manenjala chigamulo FSSP mabasi.
6. Zonse zonena ndalama pa ngongole ndalama, malipiro a misonkho milandu zina anabweretsa yekha mu chimango cha Kuthi bankirapuse. The kuchotserapo ndi milandu panopa, amanena kuti chipukutamisozi kumawononga makhalidwe abwino, pa Kuzindikila ufulu katundu kapena invalidity wa wotuluka opanda chifukwa ayambe chuma ku cholowa oletsedwa wa ena.
7. Poyamba oletsa chuma cha kumangidwa kwa ogwira amachotsa, zimafika zoletsa zina zokhudzana ndi kutaya katundu chogwirika. Ndondomeko ikuchitika malinga ndi khotilo. Iwo sanalole imposition wa kumangidwa atsopano.
8. Alipire wa ngongole ya liquidator zinatha anapanga m'njira milandu ndipo anatsimikiza mtima mwa lamulo.

patsogolo

malamulo amakhazikitsa kuti ena kukumana zonena amene amalowerera bankirapuse angongole. Izi ndi zofunika chifukwa kukhazikitsa mfundo kumbali ndipo unali woyenerera, kuteteza zofuna za ophunzira mu ndondomeko. Kunja kwa dongosolo kukhuta chonena:

1. Zokhudza ndalama malamulo akuwuka kwa chiyambi cha ndondomeko zotuluka Kuthi ndi insolvency, kupereka manenjala chigamulo cha Malipilo ake, malipiro mautumiki a anthu okhudzidwa ngati akatswiri.
2. Malipiro zisudzo ntchito pansi mapangano ntchito.
3. Malinga ndi zofunikira za kubweza ngongole zina, zomwe ndi zofunika pochita ntchito ya kampani zinatha.
4. Zopereka zina panopa.

zofunika zotsatirazi zimapezeka:

1. Nzika, thanzi kapena moyo umene wakhala kuvulala.
2. Kupindulira severance, malipiro a ogwira ntchito ntchito mu ndodo kapena nthawi wochita malinga ndi mgwirizano pa ntchito, ndi Malipilo kuti olemba mankhwala ntchito aluntha.
3. mabungwe ena, kuphatikizapo udindo ukonde.

Chomaliza

Akamaliza m'midzi Manager angongole amapanga kuchita zotsatira kupanga. Pamodzi ndi lipoti anagonjera:

1. Documents kuti atsimikizire kukwaniritsidwa kwa katundu wa kampani zinatha.
2. Kaundula zofunika ndi chosonyeza kufunika kwa udindo wa idatha.
3. Documents zikalata wosangalala zonena.

Pambuyo poganizira lipoti ndi ntchito chigamulo adzakhala apereke chigamulo pa kuchotsa kupanga. Zimenezi n'zimene akutumikira monga maziko adalowa mudziwe USRLE za liquidation wa zinatha.