Apho wokukhalaza ebhankini? Ndingayifumana phi isikhalazo malunga nezenzo ebhankini?

Ngamanye amaxesha kufika ixesha lokucinga malunga nalapho isikhalazo ebhankini. Lo mbuzo eyithandayo abemi xa beqala phawula kophulwa amalungelo abo. Ngokuqhelekileyo, le sihloko iinkxalabo ikakhulu abo wathabatha ngetyala okanye imali-mboleko. rhoqo abanamatyala ujamelene ukunyhashwa kwamalungelo kunye nemiqathango yesivumelwano. Kwezinye iimeko, umbuzo umbuzo malunga isikhalazo phambi kubaxhasi rhoqo. Ukuba unento akuthethi engavumelani, ukuba zonke unelungelo lokukhalaza ngalo mbutho. Kodwa njani ukwenza loo nto? Ziziphi meko olwenziwa?

iindlela ezinokubakho

Apho wokukhalaza ebhankini? ngeempendulo lo mbuzo eninzi kunene. Unalo ilungelo lokukhetha indawo konyango. kuthathelwa kuphela ingqalelo zonke iimeko meko. Awunako akusoloko kusebenza inkonzo ethile yokubhala izikhalazo mbutho zebhanki. Kukho ukuxolelwa. Ngaphandle kuthathelwa ingqalelo iimeko, uya kuba nelungelo:

• ofisi intloko yebhanki;
• wenkundla;
• Agency anticollection;
• Rospotrebnadzor;
• Federal Service Antimonopoly;
• Inkonzo ye iliso of Communications;
• ofisi yomtshutshisi;
• Central Bank.

intloko-ofisi

Ndingayifumana phi Ndikhalaze ebhankini? Okokuqala, makhe siqale intshukumo kakhulu ukuze kuncedakale abantu. Kuyinto isibheno kwi-ofisi ephambili yale mbutho. Ngokuqhelekileyo ise emizini kwamasebe kunye ofisi intloko ise kwikomkhulu. Kuya kufuneka ukuba ukwalathisa isikhalazo sabo.

Kwezinye iimeko, unyango ilungele kwi-ofisi enkulu? Njengoko ibonisa mkhuba, yonke. Ukuba amalungelo akho athe anyhashwa, kwakunye phambi naziphi na amabango lo mnyango, ungaya kwabasemagunyeni eziphezulu. Ngelo lokuqala nqanaba-ofisi eyintloko kwinkampani.

Xa ufaka isicelo, impendulo ukuza kwiintsuku 10-15. Ngokuqhelekileyo, zonke izikhalazo zabaxumi zithathelwa ingqalelo. Kuthekani ukuba le ayizange yenzeke? Apho wokukhalaza ibhanki kule meko?

Rospotrebnadzor

Wonke nkampani iye inkonzo ethile. Ngoko ke, iwela phantsi kwempembelelo yomthetho "Kwi amalungelo abathengi." Ukuba uthe uyaneliswa, unako ngokukhuselekileyo ungakhalaza kwiNkonzo Federal. Kwaye akunamsebenzi nokuba yintoni uhlobo nkampani - okanye iibhanki njengesiqhelo. Eyona nto ibalulekileyo kukuba amalungelo akho aye anyhashwa.

Ukuthatha izimvo ebomini kufuneka ubhale isibheno-isikhalazo kwiNkonzo Federal enye okanye kwenye ibhanki. Kufuneka ngokucace gca kule kuyo zonke iimeko kunye ukuhlukumeza wathabatha ndawo. Ukuba kukho naluphi na ubungqina umbutho kakubi, yifake. Kwaye emva kokuba sele angenise isicelo sabo kwiNkonzo Federal.

Ngoku icacile apho wokukhalaza ebhankini. Impendulo evela kumbutho ukuza kwiintsuku ezingama-30 emva kokufumana isikhalazo sakho. Ukuba "uve" zonke ukutyeshelwa a sisombululo sikhawulezileyo. Ukuziqhelisa, abemi kunqabile yiya umzekelo ekhankanyiweyo. Kusenokwenzeka ukuba kufuneka amanye meko indawo. Ngethamsanqa, bathi cwaka kakhulu kunene.

antimonopolists

Umzekelo, unalo ilungelo lokuba isicelo Federal Antimonopoly Service. Not rhoqo kakhulu, kodwa kuyimfuneko ukwazi ngayo na. Ngapha koko, ukuba ufuna apho ukukhalaza kumanyathelo ebhankini, kuya kufuneka ukuba aqwalasele zonke iindlela zokusombulula ingxaki enokwenzeka. Basenokuba yinto eyahlukileyo, nkqu phantse ziphinde zenzeke xa befundisa. Kodwa kufuneka wazi ngokupheleleyo. Mhlawumbi yiloo nto ityala lakho efanelekileyo unyango sihlandlo.

Ngu antimonopolists kungafikelelwa xa anyhashwe imithetho antitrust. Kodwa amaxesha amaninzi apha ke kucetyiswa ukuba kwifayile izikhalazo kwiimeko xa elahlekisayo okanye abeke ezinye iinkonzo. Ukusingatha lusebenza kakhulu.

Oko kubizwa ngokuba yi-elithi "ezilahlekisayo"? Umzekelo, wena isigqibo nayiphi na inkonzo, ekhangela intengiso, kodwa zange kubonisa zihlandlo ezibalulekileyo ikhontrakthi aze akuncede.

Esinye isizathu sokuba isibheno FAS anganyanzeleka ukuba benze nantoni na. Umzekelo, ukuba mboleko lebhanki unyanzelisa inshorensi liqabane inkampani yeinshorensi. Akukho mthethweni. Ngoko kuyimfuneko ukuba isicelo kwiNkonzo Antimonopoly.

Communication Supervision Service

Ndingayifumana phi isikhalazo malunga nezenzo ebhankini? Maxa wambi, njengokuba kuthiwe, kukho umva okwinkonzo kweliso yonxibelelwano. Mhlawumbi enye yezona zazenziwe of nesenzeko ukuba singabonakala kuphela. Ngapha koko, izizathu zokuba kutheni abantu apha libhekisela, incinane kakhulu.

Ukuba ngaba une okanye ukrokrela ityala ngamandla ukuba ibhanki unika kude ukugcinwa kunye nokulungiswa lolwazi, oko kwinkonzo kufuneka ubhale isikhalazo elikhankanyiweyo ngaphambili. Akukho sizathu ukuphumeza iingcamango hayi. Kuya kufuneka ukhethe kwenye indawo yesalathisi.

Khumbula, idatha yakho kufuneka zigcinwe ziyimfihlo. Ukufikelela umbutho logcino iye kuphela olugunyazisiweyo umntu. Kwaye akukho mntu wumbi. Ukutshintshelwa inkcazelo yobuqu nabaxhamli amaqela esithathu - oko kukwaphula ngqo yomthetho. Ngoko ke, unalo ilungelo lokuba isicelo ukuba asebenze kwi-Control Communications. Kufuneka kuphela unyango olufanelekileyo kunye nobungqina bezityholo. Nasiphi na isizathu esivakalayo sokukhalaza malunga nolwaphulo-mthetho yombutho zebhanki.

ofisi yomtshutshisi

Apho ukukhalaza ebhankini "VTB 24" okanye nayiphi na enye? A ukhetho ezilungileyo kuba ukuba ndibhenele nomtshutshisi. Kakhulu eqhelekileyo, babhenela ngabemi abaninzi. Sicebisa ukuba uqhagamshelane ofisi intloko zamaziko zebhanki, kwaye ukuba akukho ingqondo kuyo, ke ngoko kufuneka ukuba aye kubona umtshutshisi.

Njengomgaqo, apha beza kunye ezininzi iingxaki. Yindawo jikelele izikhalazo yokufayilisha. Ingaba umsebenzi wesebe othile (ulondolozo olwenziwa sisikolo) akukho mfuneko apha ukukhalaza. Kuyinto ngamampunge, kunye nokungaphumeleli kwawo. ngcono kakhulu kulo mzekelo ukuze uqhagamshelane ne-Ofisi eliKomkhulu ye-mbutho zebhanki.

Idla kwizikhalazo ofisi yomtshutshisi ezibonisa waphula umthetho yangoku eRashiya. Khumbula: Ukuba ibhanki waphule umthetho, ungenza ngokukhuselekileyo uye ingxelo nomtshutshisi. Impendulo iya kuza kuwe kuye malunga nenyanga emva konyango. Not ngokukhawuleza kakhulu, Kakade ke, kodwa umphumo emva kweso senzo kuyoba obonakalayo. Iofisi yomtshutshisi - omnye wemibutho banempembelelo ukunceda ukukhusela abathengi yeebhanki. Ngokutsho ukungahoywa indawo angafanele ngayo.

depressants

Kunzima ukucinga, kodwa iinkampani anticollection ebizwa ngokuba nabo babe nendawo. Ndicinga apho isikhalazo ebhankini "Tinkoff", okanye nayiphi na enye? Emva koko cinga uhlobo kunye nemibutho anticollection.

Akukho nzima kangaka ukuthelekelela xa ecela uncedo apha. Xa kuziwa "knockout 'amatyala kunye nabaqokeleli ukutsala ngaphandle kumabala saziso neyomthetho, kulindelekile ukuza antikolletoram. Baya kuya kunceda ukwehlisa zokuqokelela nemibutho, kunye ibhanki ukuqonda.

Loo imeko akuthethi ukuphuhlisa rhoqo kakhulu. Emva Iinkampani anticollection engenaye yonke imizi ziyafumaneka. Yaye akukho ekuqaleni ukujongana neebhanki, ukuze azuze phezu kubaqokeleli. Ngoko cinga le ndlela ekusombululeni le ngxaki kangangoko kunokwenzeka, kodwa kucetyiswa ukuba uwubeke "kwi kwigunjana" kwaye akabi sayikhumbula de ngoko, de ibhanki iya kutsala abaqokeleli ukuba disassembly. Ngoko uyakwazi ngaphandle kwamathandabuzo engeyomfuneko cela uncedo oluvela kwiinkampani anticollection.

Njani na? Nje ukucacisa imeko (ekukhethwa ukuba zibe zezibhaliweyo), ize emva koko yenze intlawulo yeenkonzo. sonke ukuba silinde iziphumo. Abayi ukukugcina ulindile. Inkqubela emva kokuba kwenzeke ingozi kunye nabaqokeleli antikolletorov zibonakale kwangoko.

enkantolo

Apho ukukhalaza ebhankini "Standard Russian" kwaye nje? Ukuba unayo ixesha, u angagqithela kwiijaji. Kwakhona imeko eqhelekileyo kakhulu. Xa amalungelo abantu aphulwe, kucetyiswa ukuba ngowokuqala ukuzama ukusombulula yonke ngoxolo, uze kungenela isibheno enkundleni. kwiindawo ezifanelekileyo.

Isicelo kufuneka ukuchaza zonke iintshukumo zokwaphulwa kwemithetho oko loo nto. bokuqonda yezenzo ezingekho mthethweni elunxwemeni noko zibonakaliswe apha. Ukuba kukho amangqina, ummeme. Kwaye musa ukulibala ukukhankanya iinkcukacha malunga aba bantu kweli isimangalo.

Ingongoma ebalulekileyo kukuba ukungqina ukunyhashwa. Into akhomba ngayo izenzo ezingekho mthethweni enziwa ebhankini, ukuba igqithiselwe kwiingxelo sebango, kwaye isicelo kuyo. Okukhona ndinezizathu zokuba iintlawulo, kungona yindlela yokuphumelela.

Zeziphi izizathu ukuba isicelo apha? Yi na. INkundla - indawo leyo eya kunceda ukukhusela amalungelo abo, kungakhathaliseki ukuba meko. Njengoko practice ibonisa, babephikisana kunye neebhanki idla amapolisa kwicala le nkonzo.

libhange

Apho ukukhalaza malunga nomsebenzi ebhankini? Ngamanye amaxesha abantu ithuba lokubhena kwi-Central Bank. Esi sigqibo kakhulu ukuba kufuneka ukuba uthathe. Khumbula, izizathu izikhalazo ezinjalo kufuneka ukuba esinyanzelisayo ngokwenene. Nje ngoko akukho mntu uya kuqhuba uhlolo ngokucokisekileyo zombutho.

Njengoko practice ubonisa, le meko akuxhaphakanga kakhulu. Kodwa inkqubo akukho kwahluka ukubhala izikhalazo kuyo nayiphi na enye umzekelo. Kufuneka ukuba isicelo nobungqina zokuphula, ukuba zikhona. Okanye zipeyintwe ngokweenkcukacha ibali kutheni kanye ocinga ukuba amalungelo akho aye anyhashwa (okanye umthetho).

Wakuba uthumele isicelo kwi-Central Bank, sinako ukulindela kuphela impendulo. Uya kungena malunga ngenyanga (eneneni iintsuku ezingama-30). Maxa wambi nkqu kunye neziphumo zemisebenzi ukuhlolwa kwinkampani leebhanki.

Izizathu ekubhenwa phantsi kwi-Central Bank

Ukuba uyazibuza apho isikhalazo malunga iminxeba evela ebhankini, musa ukuphazamisa Central Bank. Kukho intetho ethi, izizathu unyango apha kufuneka ukuba esinyanzelisayo ngokwenene. Yintoni na? Oko kubizwa ngokuba uluhlu rough ngeemeko apho unalo ilungelo lokuba bazobe ndingosemthethweni ingqalelo ukunyhashwa Central Bank:

1. Umbolekisi iphikisana Ukufihla ebhankini, ukuveza iinkcukacha malunga mboleki kunye amaxwebhu ayo.
2. Bank waphula imiqathango kuvulwe iidiphozithi akhawunti.
3. Ukwala nasihlahla ukuba akhuphe amakhadi ebhanki.
4. Ibhanki uyala ukunika ingcaciso malunga neenkonzo (on iidiphozithi data service).

iziphumo

Ekufuneka siyibeka? Kwimeko ye waphula umthetho okhoyo, kwakunye namalungelo akho elunxwemeni, ungenza isicelo inani kakhulu iimeko. Yeyiphi ukhetho ukukhetha? Kuyimfuneko ukuba kukhangela iimeko.

Eyona ndlela isebenzayo kokuhlambeleyo zi: ukugcwalisa isimangalo okanye abhenele umtshutshisi. Ukuba amalungelo akho athe anyhashwa, zama ukuba enze loo nto ngokukhawuleza. Ixesha ngaphezulu sidlula, kokukhona amathuba empumelelo ukuba uya ukuphumeza ubulungisa.