Bankruptcy masangano inishuwarenzi: kunyanya zvesangano

) этих структур вызывает особый интерес. Mune kuongorora nheyo mabasa mari makambani inishuwarenzi insolvency (kusauka) pezvivako izvi rinyanye. Zvinokosha nenyaya chokuita nhandare yacho sauka kuzivikanwa kambani, muitiro uye mamiriro ezvinhu kuti Implementation muzvidzivirire kusauka matanho, kuti nzira yakapiwa mutemo, uye dzimwe nyaya dzinomuka panyaya ebhizimusi hatigoni kugutsa Zvinotaurwa chikwereti zvakazara.

. Nyaya anorondedzera zvinoitwa kusauka masangano inishuwarenzi.

kunyatsogona

Kazhinji kuchiitwa insolvency vachida yepamutemo masangano kutadza kubhadhara mitoro kuti chikwereti uye bhajeti, kana zvinodiwa zvaifanira vakasangana mukati mitatu kubva musi.

nemirau Key kutsanangura zvaidiwa kusauka makambani inishuwarenzi, hwakagara Federal Mutemo № 127.

matanho

предусматриваются следующие нормативные инструменты: Kurambidza insolvency (kusauka) makambani inishuwarenzi chinopa pamutemo zviridzwa zvinotevera:

• Urongwa rubatsiro rwemari kuburikidza havaoni / vatori ari repamutemo kana zvimwe masangano.
• Zvakachinja sechivako kuita uye munataisireva.
• Kuwedzera mugove guru.
• Kurongwa Patsva.
• Mamwe matanho dzisina hakubvumidzwi nemutemo.

Zvikonzero Implementation kuti matanho

предпринимаются при: Matanho kudzivisa kusauka yekambani inishuwarenzi kubatwa pa:

1. Akadzokorora kukundikana kundosangana zvemari mitoro kuti chikwereti mukati pamwedzi. Kuramba kunzwisiswa non-kuzadzika / kuzadzika emunhu zvinodiwa mukati memazuva gumi kubva musi origination aite, kana zvimwe anosimbisa mutemo. Kufungisisa chete kushanda mazuva.
2. Defaults pamusoro kudzingwa vachibhadhara kuti bhajeti mukati memazuva 10 (vashandi) kubva musi parinowanika.
3. Kushomeka uwandu mari mangwanani mutsividzo (the bhajeti uyewo), kana nguva iyi yasvika.
4. Akadzokorora kutyora zvinodiwa kuti marongerwo Zvinoumba yesangano, akasimbisa Bazi Finance, mukati memwedzi 12. kubva musi vasabatwa wokutanga kutyora.
5. Revocation, kuturika kana akavarambidza bhizimisi rezinesi.

Mumazuva 15 kubva musi panowanikwa pamusoro ezvinhu kambani yacho inishuwarenzi anofanira kutumira supervisory simba (Central Bank) ziviso. Mabhii chirongwa rokudzorera solvency. . Zviito izvi zviitike kana pasina zviratidzo kusauka wekambani yacho inishuwarenzi. Mukati memazuva 30 (kushanda) pashure risiti kuronga kwakavakirwa migumisiro Paaidzidza supervisory simba anofanira kusarudza kugadzwa kambani yeinishuwarenzi kana zvokungoitawo yaitonga kukodzera kushandiswa. Muzviitiko zvaitaurwa Bazi rezveMari mirau, zvingakupawo kusarudza kuita pamusoro-panzvimbo inspections. Vachiongorora rinoitwa munzira chairayirwa supervisory simba.

Zvinoumba kusauka kambani inishuwarenzi

The kuongorora chirongwa kudzorerwa solvency kana migumisiro iri-nzvimbo rokuongorora kungaratidza zviratidzo insolvency. документа представлен в статье). Muzviitiko zvakadaro, foromani anofanira pasi fomu kusauka yekambani inishuwarenzi (mharidzo pepa anoratidzwa munyaya).

Kana repamutemo anoita inishuwarenzi chokuita wesangano rinomirira mabasa insurers, kana rimwe sangano riri basa kuchinjwa muripo kubhadhara, maneja anofanira kupa chiziviso munyika zvivako izvi mukati vhiki kubva musi panowanikwa chikonzero nekuda Implementation zviyero kudzivirira kusauka. The akakodzera urongwa Article 4 unocherekedza. 184,1 of Federal Mutemo № 127.

профобъединения несут обязанности и реализуют права, предусмотренные законодательством для финансовых структур. Panguva kusauka zvekufamba eungano inishuwarenzi wesangano rinomirira anofanira kuita mabasa uye kushandisa kodzero inopiwa nokuti mitemo kuti zvemari masangano.

zvokungoitawo Kutarisirwa

Zvinonzi paakavapa kana:

1. при отсутствии уведомления надзорного органа об их наличии. Found chikonzero nokuti Implementation zviyero kudzivisa kusauka yekambani inishuwarenzi pasina munhu supervisory mutumbi ziviso zvavo pamberi.
2. It akasarudza kushandisa zano kudzosa solvency kana nokuvumba vadzore kwayo kuuraya.
3. Repamutemo haadi kuita / anoita nenzira isina kukodzera inotaura kuronga.

Kusarudza kuisa zvokungoitawo yaitonga foromani anofanira kukurudzira.

nomutemo

Kusarudza kuisa zvokungoitawo yaitonga kushandisa mutemo unoti pakuparwa revocation, kuturika kana kukamurwa marezinesi. The chikonzero ichi vari:

1. Kuchengeta kambani yeinishuwarenzi chero basa anorambidzwa normative mabasa yeRussian Federation, uyewo kutyora ezvinhu akateya pasi kuti kubvumirwa.
2. Kutadza kutevedza nesangano pamutemo urongwa yokudzora bhizimisi inishuwarenzi, tichitarisa kwezvisikwa uye placement mari, kuchengeterwa uye pachake mari kuitira Implementation yacho muripo kubhadhara.
3. Kutadza kutevedza zvinodiwa kambani zvavakatemerwa inonzi chekambani nhamba shareholders 'kuenzana uye munataisireva vaifungidzira, uyewo dzimwe nemirayiro chokuita ndichengetedze solvency uye zvemari pakusimba.
4. Kushaya mari nenguva mutsividzo mutoro kune zvikwereti uye bhajeti.

Kambani yeinishuwarenzi anekodzero kupikisa chisarudzo rakatorwa supervisory simba iri kuyananisa kana paruvazhe vakawanda utongi. Panyaya iyi, chikumbiro muitiro haafaniri misa basa zvokungoitawo yaitonga.

Zviratidzo kusauka

Vanongoda muna Art. инициируется, если: 183,16 of Federal Law nhamba 127. Bankruptcy zvekufamba makambani inishuwarenzi anosarudza kana:

1. The uwandu hwezvinhu zvose zvabatanidzwa. uwandu kutenda pasi ne chikwereti pamusoro mari mitoro, severance muripo kana kubhadhara vanhu kushanda (basa) pamusoro basa zvibvumirano, kana nhamba chikwereti pamberi bhajeti haidereri pane zviuru 100. P., uye izvi zvinodiwa zvikasaitwa mukati masvondo maviri mberi musi kuuraya dzavo. Mitoro kuti vashandi vayo panguva inofanira kwechokwadi nezvakatongwa mabasa, kupinda kushanda.
2. Not akazadzisa chisarudzo kuyananisa kana muruvazhe vakawanda hwaHerodhi, zvakabuda IL (Gidheoni kuti vaurayiwe) muna vatevedzere zviri Mutongo kuyananisa dare kuti foreclose pamusoro mari sangano zvemari. Huwandu chikwereti 'zvinotaurwa mune iyi hazvina basa.
3. Kukosha pfuma / zvinhu kukwana kusangana mitoro kuti chikwereti uye bhajeti.
4. Mabasa zvokungoitawo Kutarisirwa haana kwakatungamirira kuti kuzoita solvency.

A mharidzo kushanda kuti kusauka kuti kambani yacho inishuwarenzi

The kuzvidzora simba anofanira kuratidza zviri gwaro:

1. Doma roruvazhe, umo iye akashanda.
2. Zita kambani yacho inishuwarenzi, kero uye chinozivisa ruzivo. Ekupedzisira zvinosanganisira mukova nhamba iri kunyoresa mamiriro pamutemo masangano, VAT.
3. kuzvidzora mamiriro zita uye kero.
4. Huwandu kutaura pasi munataisireva, uwandu chikwereti kubhadhara kuti bhajeti, kukosha zvinhu (pfuma) kana mamwe mashoko zvine chokuita zvekufamba.
5. zita azere kuyananisa maneja, zita uye Kero kuzvipira pamutemo yemibvunzo pazviri, kana zita sangano, kubva nhengo izvo zvinofanira kubvumirwa, kero yayo.
6. The mazita mafomu.

Zvokungoitawo Administration chikumbiro anofanira mashoko substantially zvakafanana, kunze wandei pfungwa:

1. Asi, zita nokudzora muviri yakaratidza F. ıO musoro zvokungoitawo kutarisira kero uko zvichanzi akatumira matsamba, mashoko gwaro achisimbisa kubvumirwa munhu panzvimbo ino.
2. Zita vaizviita pamutemo marongerwo uye kero yayo inoratidzwa kana musoro kutarisira chinhu mutirastii mu kusauka.
3. Information pamusoro candidacy ari kusauka matirastii, kana vari zvinoenderana Federal Law nhamba 127, haasi Deposit Insurance Agency.

Annexes kuti kushandiswa

Kunze zvinyorwa, mazita iyo ndee APC kuti kushanda:

1. Dzakavamba magwaro kambani yacho inishuwarenzi, St. ehurumende kunyoresa zviri mamiriro sangano repamutemo.
2. Tsauranisa papepa sezvo wekupedzisira nhau musi kana okutsiva gwaro.
3. Solution nemamiriro kudzorwa mashoko nenzira kuyananisa vaiumba nguva pachine kana FL № 127 zvikaonekwa kuti kutora kutarisira pachayo.
4. pamusoro kukosha yesangano yamashoko kambani inishuwarenzi, vanowanika nokuda appraiser (kana zvakadaro gwaro iripo).
5. Mhedziso pamusoro dzemari kambani yacho inishuwarenzi, kana kushanda yakwidzwa maererano Art. 183,13 of Federal Law nhamba 127, kana kwakamboita Kutarisirwa basa mushumo, kana chikumbiro anotumirwa dare maererano Art. 183,14 zvimwe Act.
6. Other zvinyorwa zvaitaurwa Federal Law nhamba 127.

Kubvuma chikumbiro

Makopi asarudza kuyananisa kugamuchira kuteterera kuti kufunga wacho, kambani yacho inishuwarenzi uye supervisory muviri kwete paya pane zuva rakatevera musi kwayo issuance. Supervisory mamiriro, akavapindurawo, anotumira kopi tsanangudzo sangano nokuzvidzora yokudzora uye Deposit Insurance Agency.

Muzviitiko

осуществляется в арбитражном суде. Miedzo of kusauka makambani inishuwarenzi riri kuitwa kusauka mudare. Panyaya iyi, shandisa zvatinopiwa of AIC uye Federal Law nhamba 127.

Declaration vachiziva kambani inishuwarenzi sauka vabvuma mudare pamberi chiratidzo mumwechete, kumusoro. при оценке финансового состояния учитывается ее обязанность по осуществлению компенсационной выплаты, а также по отчислению части премии при досрочном прекращении договора страхования. Kana kusauka yekambani inishuwarenzi kana vanoongorora munyaya dzemari ayo mutoro kufungawo Implementation ari compensatory muripo, uyewo kudzingwa ari shoma pamusoro mangwanani kugumiswa chibvumirano inishuwarenzi. Musengwa usimbiswe yeUnited mutemo, vakasvika simba iri kuti dare kana chibvumirano inishuwarenzi.

по обращению временной администрации продолжительность разбирательства не должна превышать 4-х мес. Kana kumharuro zvekufamba kubudikidza kambani yacho inishuwarenzi bata dikidiki Kutarisirwa nguva enyaya haafaniri kupfuudza 4 months. musi chikumbiro nezvawo. Munguva iyi inosanganisira nguva yakapiwa achigadzirira zvinhu uye achiita mhinduro.

nuances

Pakutongwa vapore uye zvokunze utariri zvichiitwa zvaitaurwa Federal Law nhamba 127, regai kushandisa.

Kana inovapo pamusana ane zvokungoitawo yaitonga kuti mishonga inoshandiswa nokuda nekusagona adzorere solvency pakati nekambani zvichiongororwa nzira haina basa.

kugumiswa chibvumirano

In richisvika chisarudzo pamusoro kuziva boka kusauka nedare uye mavambo kusauka zvekufamba mukati mwedzi mumwe kubva musi okutambirwa of ziviso yacho insured anogona kudzima chibvumirano inishuwarenzi unilaterally.

Muchiitiko chino, vari kuwana chikamu shoma vaibhadhara kusauka kambani, nokuti unexpired rokuti esungano kana kuti muripo kudzikinurwa.

The chikwereti 'musangano

Nhengo ayo zviremera nomazvo uye kusauka chikwereti vane maruramiro vakapinda mune mazita musi musangano. nyaya idzi dzine kodzero dzokuvhota.

Pamusangano pasina kodzero dzokuvhota vanogona kutora chikamu vamiriri:

• vashandi kuti chikwereti;
• nhengo / havaoni;
• kuzvipira pamutemo sangano, inova muvimbwi mu kusauka;
• chikanganiso muviri.

Vanhu ava vanogona kuita pamusoro nyaya dziri pamusoro wenyaya musangano. Kazhinji, kero apo musangano chikwereti 'rakaitirwa Moscow pamusoro zvakawanwa pakati kuyananisa kubudikidza kusauka makambani inishuwarenzi - Big Golovin Pereulok, 3, Bldg .. 2 (uriri 2).

Kuchinjwa inishuwarenzi Portfolio

VANOBATSIRWA uye insurers zvinofanira nezvokudzokera pamusoro zvokungoitawo kutarisira kusauka matirastii, kana vakawanda kambani (kana havana basa) ari inishuwarenzi nezvewikendi kuchinjwa ari Portfolio. Cherechedza rakabudiswa munzira waakaudzwa ne Art. 28 F№ nhamba 127, kwete pava paya pane imwe mwedzi asati nzira.

Munyaya ziviso zvinotevera mashoko anofanira kuvapo:

1. The zita kambani, kwemashoko inishuwarenzi Portfolio, uwandu wehurumende kunyoresa repamutemo mamiriro, VAT nhamba, kero.
2. Zvikonzero akatakura kunze kwema.
3. Information iri kuturika / akavarambidza kwemasimba anemasimba Zvivako sangano, achitumira Portfolio.
4. Zita basa kambani, kuziva zvinhu (INN, mamiriro kunyoresa nhamba), kero.

SK "Investment uye Finance"

Muna Chikunguru 2016 nemijenya pakati Central Bank masimba nevarikutonga miviri kambani yave akarembedzwa. Muna October wegore iroro, paiva mishumo kushaya ari rezenisi kubva kambani inishuwarenzi "Investment uye Finance". предприятия было инициировано временной администрацией, назначенной ЦБ. Bankruptcy of zvebhizimisi yakatangwa nevanhu zvokungoitawo Kutarisirwa akagadzwa Central Bank.

Chisarudzo kuvatorera rezinesi kwakakonzerwa:

1. The Company anoita zviito kuti dzinopesana mutemo Russian.
2. Kuvapo zvaiitika munyika isingachinji izwi zvarakasiya kubva zvokudya nemitemo.
3. Kukundikana Central Bank mirayiro.

Apo mashoko yokutanga pamusoro mukana wokuti kutangisa zvekufamba nekuda nekambani vatengi uye vadyidzani yave ndaizoitwa nekukurumidza pakunyorera ape zvinodiwa uye uzvitumire kudare kuyananisa.

SG "Uralsib"

Wokutanga chikumbiro vanhu kuti kuziva sauka makambani vakaenda kudare December 2016 January 31, 2017 akanga nyaya kudaidzwa ane sangano repamutemo rokutanga.

Ongororo yacho yakaratidza zvinoverengeka musika vechikamu chikwereti wekambani kune vamwe ayo kusvikira zvakawanda makumi emamiriyoni rubles.

Achinyora Kuongororwa ya2015 kwakaratidza kuti sangano yave kushanda kwemakore maviri panhurikidzwa nezvisingafadzi zvakarurama. Chekambani yesangano pakazopera gore akanga asingasviki kupfuura munataisireva mabhiriyoni 2,9 rubles. Uyezve, zvino Central Bank mirayiro iri solvency kumucheto vakanga akambokanganiswa, ari placement ose nokururama uye inishuwarenzi reserves.

08.11.2016, zvakanga aihuitira rezinesi SG "Uralsib" kuti kukundikana zvinodiwa of Central Bank.

Muna January ava kunopera, zvakanga hwakasimbiswa kubudikidza nekambani rakavimbika Rating pa B ++.

Maererano nenyanzvi, mwero pasi yakadaro ndakundikana Rinobatanidzwa pamutemo zvinodiwa uye chaiwo kukosha kunaka kutsauka kumahombekombe solvency hwakagadzwa ndozvakajairwa.

Nyanzvi akataurawo:

• kunaka kudzoka zvakarurama uye zvinhu;
• rutapudzo pachake mari;
• inishuwarenzi kunaka, akakurukura 4 anotevedzana kwaigara pasina tinofanira kugara pakuverengwa;
• zvinoderedza mari;
• yakaderera liquidity (Roi) kuti oupfumi uye yokuderedza magnitudes dzavo;
• yakakwirira nhamba receivables uye payables kuti yesangano, etc ..

Zvinonzi akati nerunyerekupe kusauka wekambani inishuwarenzi "Uralsib" Takafamba kwenguva refu. kambani iyi - chikamu yesangano iri mubhengi "Uralsib", iro mumatsutso 2015 kuti aite nzira yokuchinja nayo musoro "Neftegazindustriya" Vladimir Kogan uye Deposit Insurance Agency.

SK "Moscow"

On May 24, 2017 zvokungoitawo Kutarisirwa kushanda musangano. July 20 Mashoko pamusoro mharuro kusauka zvekufamba kwave vakanyorwa muna kuyananisa Court of Moscow. Inishuwarenzi kambani "Moscow" akarasika rezinesi rakatevera zuva - July 21 iye wakasuduruka CB. The kambani chinorambidzwa kuti ushande yokuzvidira pachavo uye pfuma inishuwarenzi, uye MTPL.

Chisarudzo akaiswa nokuda regulator nokukundikana kubvisa mukati ushandiswe nguva Central Bank of kutyorwa mutemo yokudzora bhizimisi inishuwarenzi, maererano kuziva iyo marezinesi raizosungirirwa.

Kunyanya, kambani hakusi zvinodiwa kunge akasangana nokuda solvency uye zvemari nokugarika chikamu pakusikwa reserves inishuwarenzi, kwete mamiriro ezvinhu uye muitiro kuti bhizimisi kuchengeterwa uye pachake mari.

Maererano Central Bank, uwandu mazai kambani yacho inishuwarenzi muna 2016 vakapfuura mabhiriyoni 1,6 rubles., Uye kubhadhara semutongo NZD mamiriyoni 596,7.