FZ-190 "Ngo-credit nokubambisana": ithebula lokuqukethwe, izimiso, izinguquko kanye nokuphawula

FZ-190 "Ngo Credit Cooperation" ulawula ubudlelwane exhunywe ohlelweni imali ehlukahlukene umthengi. Kuyinto lesi senzo normative kuzoxoxwa ngakho esihlokweni.

On nezinhloso nemigomo yomthetho

ISigaba 1 saleso uMthetho Federal # 190 "Ngo Credit Cooperation" ubeka umgomo eziyisisekelo ukudala isenzo normative emelelwa. Kuyinto izimiso zomthetho, yenhlangano kanye nezomnotho opertives uhlobo credit umthengi, izinyunyana ahlukahlukene, izinhlangano, nokunye. D.

Umthetho livame ukusetshenziswa ezilandelayo imigomo imiqondo:

• Umthengi credit uhlobo wokubambisana - inhlangano yabantu wemvelo noma womthetho akhelwe phezu okusekelwe ezivumelwaneni, inhloso okuyinto ukuhlangabezana nezidingo zezimali amalungu wokubambisana.
• Ilungu wokubambisana credit noma umuntu onamasheya - oye wamukelwa kuya izivumelwano credit wokubambisana.
• Izivumelwano iminikelo - izimali ezenziwa wokubambisana ngokuba umsebenzi okhokhelwayo le co-op.
• Ubulungu Imali - ezezimali, okuyinto zenziwa ngamalungu wokubambisana ukuze ahlangabezane nezindleko inhlangano ngenhloso eyasungulwa Charter.

incazelo enemininingwane ngayinye imiqondo ethulwa ezichazwe amalungiselelo ezilandelayo uMthetho Federal-190 "Ngo-credit nokubambisana".

imisebenzi

Yini imisebenzi eyenziwa yi-credit ama cooperatives uhlobo? Yiziphi bona? Izimpendulo zale mibuzo onikeza Article 3 uMthetho Federal # 190 "Ngo-credit nokubambisana".

Ngokomthetho, yonke imisebenzi yenhlangano wokubambisana okuhloswe ngaso yemali bamasheya mutual. Lokhu kungafezwa ngokusebenzisa imisebenzi elandelayo:

• Ezezimali yokuhlala ngokunikeza ukubolekisa kumalungu wokubambisana;
• ukonga inhlangano bamasheya.

On lokho kusekelwe imisebenzi kukhonjisiwe FZ-190 "Ngo-credit nokubambisana"? Izimiso nemibandela lapha ukunikeza lokhu okulandelayo:

• umthetho nokwahlulela;
• Okuqhubekayo bamasheya zezimali mutual;
• isimiso okulinganisela nekuhlanganyela kwebantfu ukuthi abangewona amalungu le co-op;
• ukungena yokuzithandela ku loan-uhlobo wokubambisana;
• inkululeko aphume wokubambisana;
• isimiso yenhlangano ukuzibusa;
• ukulingana amalungelo amalungu lenhlangano;
• bamasheya nokulingana lokuthola ulwazi imisebenzi yenhlangano;
• isimiso womfelandawonye ne Ukuthela ephethwe uhlobo wokubambisana of icala amalungu.

Kwalona iziphathimandla noma Bank of Russia akufanele aphazamise imisebenzi uhlobo ama cooperatives loan. Komthetho okuhlukile ezimbalwa kuphela, ikakhulu ngokuphathelene imisebenzi ukulawula kanye asimeme.

On ukusungulwa kanye ukuvalwa kwama co-op

Document N 190 FZ "Ngo Credit Cooperation", usungula imithetho nemitheshwana inhlangano kufanele abunjwe ngaphansi kwazo kubhekwa futhi ngokufanele. Ngakho, Isigaba 7 uthi ukusungulwa wokubambisana uhlobo loan angasethwa kuphela okungenani ngo-15 abantu futhi 5 izinhlangano ezingokomthetho. Ubulungu kumelwe nakanjani babe kwamanye isisekelo: professional, indawo, njll ...

Izinqumo abasunguli kumele yentiwe ngalokusemtsetfweni ngumuntu olandelwayo ekhethekile. Kufanele futhi ukugqamisa inqubo yokubhalisa isimo, ngaphandle kwalokho ngeke kwenzeke ukusebenza ama cooperatives. Inhlangano azofakwa irejista olukhethekile izinhlangano ezingokomthetho, esebenza ezingeni likazwelonke. kabusha wokubambisana kungenzeka kuphela ngemuva kokungena kanye okuqoshiwe izinguquko ezithile-sisekelo wenhlangano.

Futhi njengoba wokubambisana credit kungenzeka kwavala? Impendulo yalo mbuzo inikeza isihloko 10 FZ-190 "Ngo-credit nokubambisana". Kukhona kukho okulandelayo zokuqeda yilezi:

• yinkantolo ngokuhambisana Civil Code of the Russian Federation;
• ngesinqumo lomhlangano jikelele amalungu wokubambisana.

Irekhodi impahla Register Enobunye amabhizinisi asemthethweni ukukhonza njengephayona ekunqanyulweni esemthethweni umsebenzi wokubambisana credit hlobo.

Sakhiwo impahla inhlangano

FZ-190 "Ngo Cooperation", okungukuthi esihlokweni sakhe 15, izingxoxo mayelana credit wokubambisana emizimbeni ezakha isakhiwo sonke enhlanganweni. Iziphathimandla bayaphumelela ekunqobeni amalungu Ngokwesibonelo, okusho bamasheya. Bangakwazi ezihlanganiswe ibhodi co-op, isigungu, kuhlaziywe myalo, nokunye. D.

Isigaba 25 sikhuluma ngokuqokwa isenzo normative iyalandisa wesikweletu zabo co-op. Lena, kungakhathaliseki ukuthi sinzima kangakanani ukuqagela ukwabelana (iminikelo masheya), ukuqhutshwa komsebenzi wokubambisana, imali, kanye namanye izinhlobo impahla.