Financial maneja kusauka rokudzora vanhu: zvinodiwa, kodzero, mitoro

Kasiri kare, hurumende yeRussia vakapfuura ubate mutemo pamusoro kusauka kana insolvency Nat. vanhu. nzira Izvi yakaoma uye multi-pachikuva. Mukuita ari kuziva insolvency ari mugari, maererano nomutemo, anofanira maneja zvemari kuzopindura. Chii masimba zvaanazvo uye chii simba pamusoro kusauka?

The kusauka dzinongoitika munhu

Hapana chakavanzika vazhinji vedu kutora mabhanga zvikwereti zvinangwa zvakasiyana-siyana. Kazhinji pane mamiriro ezvinhu muupenyu, apo mberi mutsividzo muzvikwereti zvisisakwanisiki. Kwenguva refu dambudziko rakanga aripo sokuti asingagadzirisiki - mabhanga sued nechikwereti, nokuti mari muunganidzwa vakuru vanobatanidzwa. Mumakore gore zvinhu zvachinja zvikuru: zvoupfumi nharo nokuti Consolidated kuyananisa matare, mutemo wakadzikwa insolvency kana kusauka Nat. vanhu.

kusauka nzira

zvinhanho zvitatu nzira rinorondedzerwa mumutemo. Idzi dzinosanganisira:

• Debt kugadzirisa.
• Vasinganyatsooni chinjwa uye usingazungunuke pfuma woga.
• A yokugara chibvumirano yaro chikwereti.

Shandisa kuti kuyananisa dare kuzivisa kusauka anogona mugari pachake, chikwereti sangano kana hofisi mutero. Huwandu chikwereti kuti vanodarika hafu yemiriyoni rubles. Kubvira pakagadzwa kuti chikwereti anofanira chaidzo mazuva 90. Chikumbiro anofanira kuva uwandu chepfuma, makopi zvinyorwa pamusoro kwema vanopfuura 300 000, gwaro mitero, mari.

Zvikwereti kugadzirisa somunhu muitiro akasuma pashure kuzivikanwa chikumbiro ane inzwi romunhu. Implementation chepfuma anogona kuitwa kana chikwereti kugadzirisa haana kupa mhinduro. Panyaya iyi, kuti mugari akataura kusauka. Settlement chibvumirano anogona wakasainwa chero pavaipfuura nzira.

Pfungwa zvemari kuzvidzora

Maneja zvemari anodomwa neMutungamiriri dare pakarepo mushure nokuongorora pokushandisa mugari insolvency. munhu uyu anofanira zvinodiwa zviri mutemo Russian. Managing anotungamirira kutsigira yose kusauka nzira - kubva kuunganidzwa mashoko pamusoro chikwereti pfuma pakuziva wenhaka - uye mabasa sezvo yakazvimirira sangano, kuunza nzvimbo nerimwe mapato kwacho.

chinzvimbo

Saka, maneja zvemari mune kusauka vanhu zvakazara anobuda pamatanho ose nzira, ndiko:

• It Anoongororawo mari vanokwanisa pakati nechikwereti.
• Interacts pamwe chikwereti.
• anotonga zvakakodzera tichingamidze kuitika zvido chikwereti.

Kutaura zvazviri, basa racho svitsanisa pakati vatambi muzvirongwa kusauka nzira kudiwa uye kumiririrwa nzvimbo dzavo mudare. Uyezve, maneja zvemari anodzora zvinoitwa pfuma yacho mugari kwacho uye anobvuma kuita zvakasiyana-siyana kwema nayo kuti zvinoenderana zvinofarirwa mbiri masangano uye nechikwereti. Kodzero sarudza musarudzo ane kudzora zvose chikwereti uye zvikwereti. Kazhinji, maneja, akaisa mberi nokuda chikwereti, kudzivirira anonyanya zvavanofarira. Naizvozvo, kuti chikwereti musoro kusarudza maneja, uyo achaita zvose zvaanogona kuti vadzivirire nzvimbo dzavo.

The zvinodiwa

Maererano kusauka mutemo, pane mamiriro kuti kuitwa maneja zvemari. Zvinodiwa ndeinotevera:

• Kushaya pachake chido uye mubereko, uyewo zvichienderana mugari wenyika kusauka kana zvikwereti masangano.
• Kushaya kunoshamisa zvikwereti nokuda kuita emunhu mabasa sezvo mari maneja (zvinhu kukuvadzwa kunofanira kupupurirwa chisarudzo dare).
• No mhosva chinyorwa.
• Kusavapo zvikwereti, izvo zvakakonzera kushanda kusauka maitirwe ezvinhu.
• Kusavapo mamiriro ari yakaturikwa kana kunyimwa kodzero vaite mabasa avo maererano nomutemo batana.

Manager anofanira kuva rezinesi kuita mabasa avo, uyewo dzakakwirira nyanzvi dzidzo zvoupfumi kana pamutemo minda. Chinodiwa basa kuzvidzora ndiro basa iri insured panguva kukuvara panhivi kwacho.

Kudomwa zvemari kuzvidzora

Financial maneja kusauka Nat. vanhu kazhinji akasarudzwa kubva machinda pechigaro chokutonga. Mumashoko ari nokuongorora kusauka kana mugari anofanira kuratidza masangano vaizviti pamutemo (SROs) uye yakananga munhu uyo achaita somunhu maneja mari, asi sarudzo pakugadzwa kwake vachaitwa nedare. Vasingazvidzori pamutemo sangano chikumbiro hakunganzi. Togo, vachange yakatarwa, hazviiti kuverenga, nokuti maneja anosarudzwa kubva nhengo dzesangano. Zvakakosha kuziva kuti kodzero yokusarudza CPO uye yakananga musarudzo rusununguko wacho - mukweretesi kana chikwereti.

mubhadharo mabasa

Financial maneja kusauka zvinopa basa iri kubhadhara hwaro. Mugari, vachizivisa amene kusauka, anofanira kuripa mabasa aya, uye vanosungirwa kuti kutonga dhipoziti munhu wakaiswa mari - zviuru 10 rubles. chitsama Ndiyo mari nzira pachayo. Zvinokoshawo kubhadhara kudzora 2% uwandu achidzorerwezve chikwereti kana kubva yacho mari iri kosi yacho kusauka wemunda. Panguva kungwara ari musangano chikwereti kukura remuneration anogona ngazviwedzerwe kana zvakakodzera. Cash mubayiro anofanira rakapa panguva chete pashure pakupera kusauka zvekufamba uye mubereko - pashure pakupera nemisha vane counterparties uye kuchinjwa mari nhoroondo dzavo. Kana kuzvidzora kunoda chikwereti-mugari mari chipi okuwedzera mabasa, zviito zvakadaro vanoonekwa pamutemo. Kusauka anogona kushandisa kuti dare.

The mari maneja zvakanaka

The yeUnited mutemo pamusoro kusauka muviri vanhu anomupa kodzero dzinoverengeka kudzora zvemari, kureva:

• Mukana kuramba zvinodiwa mapato ose kusauka zvekufamba.
• The Implementation pachikamu mashoko pamusoro midziyo chinjwa uye usingazungunuke pfuma munhu, kusanganisira yakananga zvikumbiro kuzviremera zvemo uye hurumende.
• Nokururamisira chikwereti 'musangano muunganidzwa, kana zvichidikanwa.
• Kodzero atarisire kugadzirisa chirongwa kusauka chikwereti.
• Kugona kugamuchira mashoko kubva kadhi Bureau kana zvakafanana manyuko mashoko, sezviri Act ichi.
• Kodzero kutengesa pfuma, kukanzura kana kugadzira kwema zvose.
• Kodzero kushandisa dzimwe kodzero waiti muna Federal Bankruptcy Act.

Mabasa mari kuzvidzora

Managing mu kusauka dzinongoitika munhu uye dzinoverengeka mabasa akadai:

• The muunganidzwa uye sangano misangano chikwereti, izvo zvakapa nemurairo chipo.
• Monitoring Implementation kuronga muzvikwereti kugadzirisa.
• Kuongororwa mari inogona mugari kusauka.
• Kuita mushumo chikwereti mabasa kunze kanenge kamwe ose 3 months.
• mutsividzo muzvikwereti chikwereti kune zvikwereti kuzvidzora.
• Kuziva nyaya pamusoro kusauka nemaune uye chiito chakakodzera.
• Review uye kuongorora mberi urongwa muzvikwereti kugadzirisa mishumo.
• Other sungiro inopiwa nokuti Bankruptcy Act.

Order kuti kudyidzana pamwe kusauka

Financial Officer pakuparwa kusauka muviri vanhu anofanira kodzero kuwana mabhuku ose mashoko kuti vanenge chokuita kusauka wacho mugari. mashoko kwakadaro kunosanganisira mashoko pamusoro chinjwa uye usingazungunuke pfuma yayo nzvimbo, uyewo kodzero uye nokubatira chikwereti, atakatora zvenhoroondo, Databases.

Basa mugari wenyika kusauka kunosanganisira urongwa mashoko izvi Kuongororazve kubudikidza maneja mari mukati memazuva 15 mushure chikumbiro. Kana mashoko aya haasi kuwanika kusauka, maneja zvemari ane kodzero navo mudare.

The chikwereti vanosungirwa kupa ruzivo pamusoro zvose anoramba chinjwa uye usingazungunuke pfuma iri pfuma yake. Ndichivanza ruzivo urwu kubva mari kuzvidzora uye kusikwa chinovhiringidza pakugadzirira ayo rinobatanidza mugari basa maererano nomutemo.

Kana maneja akagamuchira mashoko chokuita, basa, rwezvemabhengi, kana mamwe mashoko vezvokutengeserana kuti runochengetedzwa mutemo, haagoni buritsa izvozvo. Kana izvi zvikaitika, zvichaguma wehurumende kana administrative, uye mune mamwe mamiriro ezvinhu uye mhosva vemhosva uye anofanira indemnify.

Ko kubviswa mari kuzvidzora zvinoita?

Bvisa chaizvo munhu anoita somunhu maneja zvemari, zvichida. Izvi zvinogona kuitika pedyo nedivi sechikamu kusauka kwacho, kusarudza kubvisa akatendeka nedare. Muchiitiko chino, pane yokutsiva. The chirongwa iuye ichibva maneja kana sangano kuzvidzora pamutemo.

Chikonzero kubviswa kunogona kuva shoma yepamusoro waivako kana:

• Chisarudzo ichi wakabatwa pamusangano chikwereti.
• Hurongwa dare raiva kugutsikana ari kunyunyuta kwacho, kumativi kutyora kodzero dzavo, kukuvadza kana Kurasikirwa kubva zviito zvimwe kuzvidzora.
• Vanozviita pamutemo sangano, akambomisa maneja nokuti vakaita chinhu administrative mhosva kana mhosva.

Saka, maneja mari - imwe Nhamba inokosha weboka kusauka dzinongoitika munhu. Ane kuwana mashoko ose kurondedzera kuti chikwereti pfuma. Naizvozvo, misrepresenting mashoko pamutemo. Mutemo, mari maneja mabasa yakatangwa mutemo pamusoro kusauka. Managing - yakazvimirira munhu munyaya kusauka, iyo inopa mabasa ayo chete iri kubhadhara hwaro.