Law "Pa Mbiri Mbiri" N 218-FZ yokhala ndi kusintha ndi zina

Chilamulo cha Mbiri Historical chili ndi zofunikira zonse zokhudzana ndi kayendetsedwe ka maofesi a zamaofesi omwe amagwiritsidwa ntchito kwambiri ndi ngongole, makalata a ndalama, matchalitchi apadera komanso zinthu zina zambiri zomwe zimapanga dongosolo la ngongole. Zomwe zili mu Federal Law "Pa Mbiri Mbiri" zidzafotokozedwa mwatsatanetsatane m'nkhaniyi.

Zolinga za Federal Law

218-FZ "Pa Credit Histories" imapanga lingaliro ndi maonekedwe a mbiri yakale ya ngongole, njira yopangidwira, ntchito ndi kusungirako. Zolinga zazikulu za Chilamulo ndizopitirizabe kugwira bwino ntchito za mabungwe a ngongole, komanso kuwongolera mlingo wa chitetezo cha wobwereka ndi ogulitsa ngongole pochepetsa kuchepetsa ngongole. Mwazinthu zina, Federal Law No. 218-FZ "Pa Credit Histories" imafuna kulenga ndi chitukuko cha zochitika kuti zisanthule ndi kusungidwa kwa mbiri yakale ya ngongole yoperekedwa ku malo apadera.

Kodi malamulo a Federal Law "Pa Mbiri Historic" akugwirizana bwanji? Apa ndiyenera kuwonetsa:

• Ubale pakati pa wobwereka ndi ngongole;
• Ubale pakati pa akuluakulu aboma ndi boma la boma credit;
• Ubale pakati pa anthu payekha ndi Central Catalog Catalog.

Mosiyana ndizofunika kunena za malingaliro omwe amagwiritsidwa ntchito muyeso yowonongeka.

Concepts

Mfundo yoyamba ndipo mwinamwake yofunikira kwambiri ndi mbiri yakale ya ngongole. Lamulo la federal limawonetsera ngati chidziwitso chapadera, zomwe zimayikidwa ndi zida zapadera komanso zomwe zimasungidwa mu malo apadera.

Lingaliro lotsatira ndi mgwirizano wa ngongole. Lamulo mu nkhaniyi ndi lolemba lomwe liri ndi ngongole. Pano ndi bwino kufotokozera mfundo ya lipoti la ngongole - chidziwitso chomwe chili ndi mbiri yokhudza mbiri ya ngongole yosungidwa m'ofesi.

Zomwe za maphunziro a mbiriyakale a ngongole ndi mabungwe okongoza ngongole omwe, pansi pa mgwirizano wa ngongole, ali ndi ufulu kulemba ndalama kwa omwe ali ndi ngongole kuti azigwira bwino ntchito zawo. Mutu wa mbiriyakale ya ngongole nthawi zonse ndi munthu wachibadwa kapena walamulo ngati wobwereka, chigamulo kapena wamkulu.

Bungwe la mbiriyakale ya ngongole ndi bungwe lalamulo la mtundu wamalonda. Zimatha kupereka ntchito zomangamanga ndikukonzekera mbiri yakale ya ngongole ndipo, mwa zina, kupereka malipoti a ngongole. Mndandandanda wa makanema ndi malo ochepa omwe amachititsa deta kuti afufuze maofesi a ngongole.

Ndi lingaliro lotani limene lingatengedwe apa? Malingaliro onsewa akuwonetsa chinthu chimodzi: dongosolo la ngongole ndi malo osaneneka komanso ovuta kwambiri omwe ali ndi nthambi zambiri ndi madera osiyanasiyana.

Zokhudza Mbiri Yakale

Chofunika kwambiri mu dongosolo la ngongole ndi mbiri yakale ya ngongole. Malingana ndi Federal Law No. 218, iyi ndi chikalata chophatikiza mutu wa mutu, chidziwitso cha chidziwitso ndi mapeto. Mbiri ya ngongole ili ndi mfundo zonse zofunika zokhudza phunziro la mbiriyakale. Dzina ndi dzina lanu, dzina la pasipoti, TIN, chidziwitso cha inshuwalansi ndi zina zotero.

Chilamulo cha Historical Credit chikutsatira ndondomeko yonse yopereka chidziwitso ku ofesiyi. Lingaliro la mutu wa phunziro likuyambitsidwa. Lamulo la kusamutsidwa ndi kudziwika kwa chiwerengerochi likutsatiridwa mu Gawo 5 la Federal Law "Pa Credit Histories". Udindo wa malo ogulitsa ngongole ndikusunga zonse zofunika kwa zaka 10.

Ufulu wa nkhani za mbiriyakale

Lamulo limakhazikitsa ufulu woyenera wa maphunziro a mbiri yakale ya ngongole. Nkhaniyo, mwachitsanzo, ili ndi ufulu kulandira chidziwitso chokwanira komwe mbiri yake ya ngongole iliri mu Central Catalog. Muofesi iliyonse, komwe mbiri ilipo, nkhaniyo imatha kulandira malipoti a ngongole. Mkwathunthu kapena mbali yake phunziroli likhoza kutsutsa mfundo zomwe zili mu mbiri ya ngongole. Pachifukwa ichi, m'pofunika kufalitsa ntchito zoyenera ndi ufulu wa ngongole. Ofesiyo payokha iyenera kupereka yankho pamapeto pa chitsimikizo cha mwezi umodzi. Kodi mungapeze yankho lotani? Pali zosankha ziwiri: mwina ndondomeko ya mbiri yakale, kapena kuchotsedwa kwake. Pa nthawi yomweyi, ofesiyo yokha siilimbikitsidwa kuyendetsa zowonjezereka za chidziwitso chotsutsana. Nkhaniyi imatha kukweza zochitika za ofesiyo potsatira malamulo.

Rights Bureau

Kodi ndi zotani zowonjezera za malo ogulitsa ngongole? Chilamulo cha Credit Histories chimakhazikitsa mfundo zotsatirazi mu Gawo 9:

• Ufulu wopereka mautumiki kuti apereke malipoti malinga ndi ndondomeko yokhazikitsidwa ndi lamulo.
• Mpata wochita nawo ntchito zokhudzana ndi chitukuko cha malingaliro oyenerera kuti awerengere kuwerengera kwa matrasti ndi ntchito zawo. Kupititsa patsogolo kuyenera kukhazikitsidwa pazomwe zili mu mbiri ya ngongole.
• Ufulu woyambitsa mayanjano ndi mgwirizano kuteteza ufulu ndi zofuna za mamembala awo. Kukonzekera kwa ntchito, kukhutira ndi sayansi, chidziwitso, akatswiri ndi zofuna zina zonse zitha kukhazikitsidwa bwino mu bungwe.
• Ufulu wopempha chidziwitso chapadera kuchokera kwa akuluakulu a boma, akuluakulu a boma, Russian Bank, ndalama zosiyanasiyana zapakati pa bajeti, ndi zina zotero.

Nanga ntchitoyi ikugwira ntchito yanji? Izi zidzafotokozedwa pambuyo pake.

Ntchito za maofesi a ngongole

Malinga ndi Federal Law on Credit Histories, boma la boma likuyenera kuchita ntchito zotsatirazi moyenera:

• Kupereka chidziwitso kuchokera ku tsamba la mutu wa mbiri yakale ya ngongole kupita ku Central Catalog.
• Uthenga wa ku Central Catalog of information pa kuchotsedwa kwa mbiri yakale ya ngongole - malinga ndi ndondomeko ndi machitidwe omwe akhazikitsidwa ndi Bank of Russia.
• Kupereka kwaulere maziko a chitsimikizo cha mbiriyakale mwayi wopanga kusintha kwazomwe zili mu mbiriyakale ya ngongole.
• Udindo kukhala ndi nthawi zonse kugwiritsa ntchito chilolezo chothandizira luso lachinsinsi.
• Kuchokera kwa lipoti la ngongole kwa mwini aliyense wa mbiri ya ngongole.
• Kuphatikizidwa kwazamasinthidwe mu mbiri ya ngongole ya bungwe loyenera.

Choncho, malo alionse a credit bureau ali ndi mphamvu komanso maudindo osiyanasiyana.

Ndondomeko zowonongedwanso ndi kuchotsedwa kwa maofesi

Njira yochotsera kampani ina ya ngongole ikutsatiridwa mu Gawo 11 la Federal Law on Historical Credit. Bungwe, malinga ndi nkhaniyi, ikhoza kuthetsedwa kokha malinga ndi ndondomeko yokhazikitsidwa ndi lamulo. Panthawi yonse yomaliza, bungwe limatha kulandira ndi kukonza mfundo kuchokera kuzinthu zoyenera ndi mabungwe. Pakadutsa masiku atatu kuchokera pamene alandira chidziwitso chofunikira kuti athetse bizinesi, adziwitse zonse zochokera ku mbiri yakale ya ngongole, malo odziwika bwino m'mabuku osindikizidwa - onse-a Russia ndi am'deralo (kumalo otsekedwa).

Muzochitika ndi kukonzedwanso, njira zonse zofunikira zogwirira ntchito zidzakhala chimodzimodzi. Kusiyana kokha ndikoti pamene ofesiyo ikutsitsidwa, ili ndi ufulu wochita malonda okhudzana ndi kugulitsa malo omwe alipo.

About Central Catalog

Ndikofunika, potsirizira pake, kunena za kayendetsedwe ka Central Credit Catalog ya Russian Federation. Bungwe ili limapangidwa ndi Bank of Russia. Cholinga cha kabukhuko ndiko kusonkhanitsa, kusungira ndi kupereka nkhani ndi wogwiritsa ntchito mbiri ya ngongole ndi chidziwitso chokhudza zokhudzana ndi mbiri ya ngongole ya ngongole.

Mndandanda wa mabukuwu umagwirizanitsa ndi kusungidwa kwa chidziwitso chomwe chimapanga zigawo za mutu wa mbiri iliyonse ya ngongole, yomwe imasungidwa ndi maofesi a ngongole. Ntchito yofunika kwambiri ya Bukhu Lalikululi ndi kupereka zidziwitso pamabanki a ngongole. Notary, ogwiritsira ntchito komanso maphunziro a mbiri ya ngongole, a lawyers, auditor ndi magulu ena a anthu angathe kupempha zambiri.

Pa kuyang'aniridwa ndi boma

July 23, 2013, lamulo la mbiri ya ngongole linasinthidwa. Motero, ndime 14 ya lamulo la malamulo tsopano ikupereka kuti kayendetsedwe ka boma ndi kayendetsedwe ka ntchito za ngongole zimayendetsedwa ndi Bank of Russia mwatsatanetsatane ndi malamulo.

Kodi ntchito za Bank of Russia ndi ziti? Nazi zomwe lamulo limapanga:

• Gwiritsani ntchito rejista ya boma ya ofesi ya ngongole malinga ndi momwe bungwe la Bank of Russia linakhazikitsira;
• Kukhazikitsidwa kwa zofunikila pa malo azachuma ndi mbiri yapamwamba ya onse ogwira ntchito zothandizira ngongole;
• Kutuluka kuchokera ku ma checkko pa kusunga ndi zofanana zofunikira za lamulo la federal;
• Kutumiza ku ofesi ya malamulo kuti athetse kulakwira mmadera amodzi;
• Kukhazikitsidwa kwa ntchito zina ndi maudindo operekedwa ndi malamulo a Russian Federation.

Lamulo limapereka lamulo malinga ndi zomwe bungwe la Bank of Russia lingasankhe kukhoti.