Insolvency - ndi chiyani ichi?

ndiye matanthauziro kulephera chiyani? ndi muyezo amafotokoza ndi zifukwa ziti? Kodi ndondomeko ya kuzindikira insolvency ndi zimene kuipa imeneyi?

Malingaliro a m'mayiko osiyanasiyana

Tsopano, ndi zambiri mukhoza kumva mawu osati TV komanso moyo wa tsiku ndi tsiku. Kodi iye ankatanthauza chiyani? Atsogoleri - ndi kulephera kwa wokongolayo kubweza ngongoleyo ake ndalamawo. N'zochititsa chidwi kuti m'mayiko osiyanasiyana ndi maganizo osiyana ndi amangawa. Mwachitsanzo, pali njira yapadera mu United States ndi France, amene amalola munthu insolvent kuchotsa ngongole ndi kulenga malonda latsopano. M'mayiko ena a ku Ulaya pali dongosolo losiyana, imene wokongolayo ayenera kukwaniritsa zonena angongole.

Mu Russia, Koma ali oyenera ndondomeko izi osokoneza: pamene chinachake amaloledwa thanani ngongoleyo, koma penapake amakakamizidwa kulipira iwo. Komabe, ngati insolvency, bankirapuse anatsimikizidwa fictitious, ndiye mlandu waukulu choncho chilango mwa lamulo.

Chikhazikitso cha bankirapuse

ndi ndondomeko bankirapuse ndi chiyani? Amene akhoza ayenerere udindo uwu? Ndi ponena kamodzi kuti akhoza dipo ngati bungwe lalamulo mtengo, komanso thupi. Komabe, mu malamulo panopa kayendetsedwe zolimbana ndi underdeveloped choncho insolvency, bankirapuse anthu izo pafupifupi osati maphunziro. M'mawu ena, n'zotheka ntchito anthu thupi la boma si kwenikweni chomveka.

Mu Russia, akupsya zitha kuzindikira chigamulo. Choncho, ntchito yaikulu ndi ntchito kuzindikira zinatha. mawu awa amapempha kuti akalowe ndi ngongole ndi angongole. zithandiza ayenera kukhala ndi umboni: mu bankirapuse ayenera kukhala zizindikiro kotsimikizika mfundo yotere. Zotsatira mu ndondomeko imeneyi ndi kuwonongedwa kwa ogwira ntchito, kapena obwezeredwa wodzala ndi zofuna ndalama wobwereketsayo.

Zizindikiro za insolvency

Kodi zizindikiro akhoza kupereka tanthauzo la insolvency? Choyamba, ndi pamaso pa ngongole kwa wokongoza; Kachiwiri, kulephera kulipira malipiro chofunika kapena ngongole; Chachitatu, kupezeka kwa ngongole oposa 10 zikwi rubles anthu ndi oposa 100 zikwi rubles - mwalamulo.; Pomaliza, Kuzindikila wamangawa zinatha ndi khoti zogwirizana.

Ndipotu bankirapuse Kuthi - mmodzi wa zovuta kwambiri, ndipo kukhazikitsa amafuna thandizo Katswiri. Pamafunika njira samalani ndi nthawi yambiri, chifukwa bwalo amapereka kuwunika ntchito za ogwira ntchito pofuna kuthetsa options fictitious kapena mokonzekera bankirapuse. Komabe, zimene ananena - si njira yokhayo odetsedwa unsembe insolvency; Pali zambiri zimene mungachite osiyana kufufuza mfundo.

Kodi kubwezeretsa viability ndalama

insolvency ndalama osati anazindikira zoona, ndiye kuti kuyesetsa kuti achire ndi miyezo yoyenera. Ndondomeko kumafuna ananena ntchito zosakhalitsa mphamvu za kudzera omwe ankayendetsa zonse zokhudza chuma ngongole. Izi ndi zofunikira kuti musunge chuma kwa chiweruziro m'bwalo la chigamulo, komanso kudziwa boma lenileni udindo wa ngongole ndalama.

kuchira Financial ikuchitika kudzera ulamuliro boma. Cholinga chachikulu cha njirayi ndi kuthandiza solvency zinatha. Ngati onse a milandu, kasamalidwe kampani si inaimitsidwa, ulamuliro ndondomeko kunja ikukhudza kuchotsa ofanana. Pa nthawi ya ndondomeko kuletsa zilango onse ndi milandu ena obwereketsa, koma bwana ayenera kuti akonze dongosolo kubwezeretsa chuma ndi katundu bwino ndi kuupereka kwa wokongoza.

bwana watsopano

Lingaliro la insolvency zikuphatikizapo njira zosiyanasiyana. Ndipo mmene Amasankhidwa woyang'anira ndi njira polojekiti ndi kuchira ndalama? Chonchi positi udindo wa anasankha dziko amene ali membala mmodzi wa anthu a mabungwe a Mabwana Oyang'anira chigamulo. Adzaika bwana zitha kukhala munthu amene alibe phindu mwachindunji ku zinatha. Mu kufanana ndi konzanso ndalama bwana ngongole watsopano akhoza kuchita zinthu zina, koma pokhapokha ngati iwo saletsa ndi Kuthi ndi bankirapuse, ndipo kwathunthu kuthetsa mikangano iliyonse chidwi.

The prerequisites ndi: maphunziro apadera, kuntchito mu udindo oyang'anira kwa chaka chimodzi, yobereka mayeso mwapadera anakonza. Bankirapuse woyang'anira ayenera alibe mbiri chigawenga.

njira mpikisano

Kutanthauza insolvency amanyamula mavuto ambiri, choncho pamodzi ndi kukhazikitsa ndalama ndi njira zina zochititsa chidwi anagwiritsanso ntchito njira mpikisano.

Cholinga cha mpikisanowo kuthetsa mavuto kugwirizana ndi ngongole ngongole, ndipo makamaka - ndi nomination wa chuma zogulitsa. Pambuyo kugulitsa katundu abwera mphindi ndalama za mangawa ndalamawo mu ima pamzere dongosolo. mpikisano amenewa angathe kuchitidwa mokakamiza kapena mwaufulu. Sikuti mu bankirapuse pa malonda, nawonso anawagawira ndalamawo, koma mogwirizana ndi dongosolo bankirapuse. A njira zofanana ingagwiritsidwe ntchito mabungwe onse malamulo ndi anthu. Insolvency - ndi udindo kuti awerenge osiyana- siyana anthu ndi mabizinesi.

pangano mangawawo

Palinso lina zambiri njira yochitira ndi bankirapuse, amatchedwa "pangano Pamudzi." mgwirizano umenewu, anamaliza pakati pa ngongole ndi angongole. Amagwiritsidwa ntchito muthetse onse pa kukonzanso ngongole. Insolvency - vutoli amafuna kutsimikizira kukhoti. Pambuyo njirayi, wokongolayo kulandira amati mapeto a pangano.

mgwirizano uwu ipite ku makhoti ndi kuweruza arbitral kukumana naye. Mokakamizidwa mbali pa mapeto a mgwirizano ndi kuthetsa ni mgwilizano njirayi mbali zonse. Pambuyo mapeto a mgwirizano umenewu imayamba kukonzanso dongosolo ngongole (malipiro pang'onopang'ono, kuunikanso chidwi, mtsogolo malipiro).

Mtheradi ndi wachibale insolvency

Zotsatira mu mchitidwe lamulo ankaona kuti ndithudi watsopano, chifukwa udindo bankirapuse anaonekera kwambiri posachedwapa. Mawu akuti insolvency yokha apuma pa mawu akuti "insolvency". Yotsirizira Nayenso lagawidwa wachibale ndi mtheradi.

Mtheradi insolvency amatchedwa bankirapuse, ndi wachibale zikutanthauza ndi kugonjetsa a insolvency mwa mapangano pakati pa ngongole ndi angongole, pang'onopang'ono.

Malamulo tanthauzo la insolvency anafotokoza mu lamulo la feduro "Pa bankirapuse"; ndi kulephera kwa ngongole kuti reimburse zonse zomvetsa pa udindo ndalama ndalamawo kapena akwaniritsa zofunikira kwa malipiro a ndalama lamulo, limene anazindikira mwa kuweruza arbitral. Komabe, tiyenera kukumbukira kuti insolvency ndi bankirapuse ntchito ngati ofanana.

anthu

Makamaka, magulu osiyanasiyana chinayamba zinatha. Ndipo chifukwa cha ichi chiri kwenikweni ndithu kwambiri. Koma kusatsatira - amenewa ukutanthauza anthu. Kwa nzika ya dipo, m'pofunika kuganizira mfundo zingapo: mangawa ake ayenera kukhala apamwamba kuposa hafu miliyoni rubles; kusowa kwa malipiro a ndalama ayenera kukhala miyezi oposa 3. Pamene akwaniritsa zimenezi alipo, ndi nzika ndi dipo, izo ndiye kubwera zoletsa zina ndi kuletsedwa.

Kwa zaka zingapo, nzika sangathe kuchita zinthu entrepreneurial, silidzathyoledwa yakuti kukapempha malo utsogoleri, osati kutenga ngongole ku banki iliyonse. Mpaka nthawi imeneyo, mpaka Kuthi palibe bankirapuse, nzika za sadzatha kupita kudziko lina. Ndipo ichi si mndandanda wonse wa malamulo.

anatsatira malamulo a insolvency

kusatsatira malamulo ndi bwino cholinga cha magulu onse, amene akugwa pansi udindo wa zinatha. Komanso mwapadera, lamulo malamulo lili ndi kulemera kwa zovuta kwa njira kutuluka kwa kachirombo bankirapuse, komanso kutsekera kwa onse mangawa ya ngongole. Kumene, chifukwa cha zonsezi zikhoza anagulitsa malo onse ogwira ntchito, koma oposa ayenera kukhala, palibe wina adzatenga. Chiyambireni cha kuzindikira za kampani zinatha, wazamalonda munthu, munthu mabasi aliyense accrued chidwi, chilango kapena delinquencies.

Insolvency - makonzedwe umene m'magulu osiyana a anthu. Ndipo ngati pali magulu amene angathe kugwa pansi mfundo bankirapuse? Inde, pali. Zikuphatikizapo mabizinezi boma akumeneko, zipembedzo, ndale.

fictitious bankirapuse

Nthawi zambiri, kuyambira malonda anu, amalonda sangathe kudziwiratu kuwerengera dongosolo lonse wochita malonda, potero kukula mwayi wa bankirapuse. Komabe, kusatsatira - izo si chiopsezo weniweni, komanso njira zina zachinyengo amene ali oipa amalonda. Sitepe ndi kuthetsedwa pa zifukwa zambiri. Mwachitsanzo, kuti kulipira udindo ndalama monga angongole ake, ndi kwa anthu kapena matupi onse. Komabe, kutsimikizira fictitious bankirapuse si yeniyeni, ndipo chilango cha chinyengo anapereka lalikulu ndithu. Amapusitsidwa kapena chabwino cha ku 80 000 300 000, kapena kuletsa pochita bizinezi kwa miyezi 12 kuti 36, kapena kumangidwa zenizeni kwa miyezi 72. Choncho ndi bwino kuganizira kufunika chinyengo chimenechi ndi kuzindikira kuti kwenikweni kukhala udindo.

Kodi kupewa bankirapuse

Musaganize kuti kulephera kwa - ndi ndondomeko mosalephera. Izi wonyenga. Bankirapuse zikhoza kupewedwa ngati mutsatira zinthu zina: kuti nkhokwe zina ndalama kwa bungwe kuonjezera revenues ku zoletsedwa kapena malonda (malonda sayenera kuonjezera ndi kuchepa kwa mitengo, ndi kukwezedwa, kuwonjezera chiwerengero cha makasitomala, etc.). Yesani kutsimikizira ogula za kufunika kwa pasadakhale malipiro wotuluka, kuyan'ana ndondomeko ya ndalama anachedwa ndi ma invoice wopelekedwa kwambiri, kuyan'ana chilolezo yake ya nkhani, yesani konza dongosolo la malonda a katundu, kudula ndodo, ngati ena a iwo safuna konse. Mwachibadwa, si koyenera kuti auze wantchito aliyense kapena kudzera chimodzi, apo ayi palibe m'modzi adzawona kuthandiza chitukuko cha malonda, koma imodzi yokha akulankhula za zinthu zimene zingakhale kuchepetsa ogwira ntchito, adzapanga ntchito gulu bwino.

Bankirapuse monga kupitiriza njira

Ngakhale kuti otchula bankirapuse za zomwe zambiri zosasangalatsa maganizo, ichi si mapeto. Insolvency, bankirapuse - tanthauzo kuti angathe kupatsidwa mwayi wachiwiri kampani kapena bungwe. Nthawi zina, mudzagwiritse si kugwa, ambiri osati anabalalitsa kapena mazana a anthu, koma kusintha mutu. Inde, n'zotheka kutaya ndalama, ndalama, katundu, koma pa nthawi yomweyo kuthi mwayi wachiwiri. Ambiri anatha kukwera kuchokera pansi kamodzi, musataye mtima, ndipo kachiwiri. Chinthu chimodzi pamene kumakhaladi kampani zinatha kapena bungwe. Kodi akuona zinatha, pokhala munthu zachilengedwe? Insolvency, bankirapuse Pankhaniyi doubly mantha kulankhula. Only pano lamulo kumbali ya anthu, natumiza kwa chuma chake anakhalabe bwinobwino, ndipo munthuyo anasiya kuwononga. Kumene lenileni kwa bankirapuse palibe m'modzi adzawona, komanso kuona mapeto a njira mwamtheradi sikuthandiza.