161 lomThetho Federal "Ngomhla National Payment System": kufumaneka khona, ingcaciso, utshintsho

transfers Imali zenziwa kwi-Russian Federation ngokungqinelana-FZ 161 "Kwi inkqubo yentlawulo yelizwe." Undoqo yalo mgaqo ukuseka imigaqo sombutho we-NPC. Olu xwebhu kwakhona ilawula inkqubo ukusetyenziswa imali. Eyenziwe 161-FZ "Kwi inkqubo yentlawulo yelizwe," iinguqu ngayo izixhobo electronic ezisetyenziswa ukuphunyezwa iinguqulelo. Makhe sihlolisise ezinye imithetho.

Overview

Inkqubo yentlawulo yelizwe ngu 161-FZ ichazwa njenge iseti kwabasebenzisi, transfer imali, arhente kunye nemibutho neenkonzo zeposi. Ubonelelo lweenkonzo oluqhutywa ngokungqinelana kunye nezivumelwano. Ba abathengi kunye naphakathi abaqhubi. Ukudluliselwa kwemali kwenziwa phantsi iifom ezisetyenziswa yebanki, ngokungqinelana neemfuno izenzo emisiweyo ye-Russian Federation.

Ngakumbi ukuthatha inxaxheba Les

161 Federal uMthetho "Ngomhla National Payment System" ikhankanya ukuba subagents bank zibonelela ngeenkonzo transfer imali ngokungqinelana kunye nezivumelwano. Yakhiwa kunye nabasebenzisi kunye neearhente. Kuya kuhlangatyezwana neemfuno Art. 14 161-FZ "Kwi inkqubo yentlawulo yelizwe." imibutho yeposi inokunikezela ngeenkonzo transfer imali ngokungqinelana noMthetho olumisiweyo №176 ukusuka, Agents 17.-07.1999 Ukuhlawula inxaxheba kwinkqubo ngokungqinelana nemigaqo emiselwe nguMthetho Federal №103 evela 03.06.2009, i

imithetho translation

161-FZ "On National Payment System" ubonelela ukuba ubonelelo ngeenkonzo yi umqhubi isekelwe imiyalelo ye client ngayo. Baya inokufana umamkeli kunye indlela umthumeli. Ukulahlwa kufuneka senziwe ngokwe imigaqo ebekwe phantsi ngenxa iintlobo isicelo of transfer ikheshi. Translation kwenziwa ngendleko Mhlawuli. Ukuze ibe ngenxa yakhe ngamnye okanye zenziwe zifumaneke kuzo ngaphandle kokuvula i / c. Mazifike kule mali umxhasi anconywa kwi-akhawunti yomamkeli okanye ezikhutshwe kuye imali. Translation kungenziwa kuquka imali ukuze kuxhamle umamkeli ngaphandle kokuvula i / c. kwenzeka isimo esinjalo, ingakumbi, xa ukuthumela imali ngekhompyutha.

161-FZ "Ngomhla inkqubo yentlawulo yelizwe": inkcazo

Akukho ukuguqulelwa ekuqalisweni kwe-mali lomthengi kwi-akhawunti yakho yebhanki okanye ukufumana imali kuye evela kumsebenzisi enye. Ixesha transfer imali kubonelelo lweenkonzo kwi-FZ 161, aliyi kuba ngaphezulu kweentsuku ezintathu zomsebenzi ukususela kumhla Ukutsalwa nabo kunye / c okanye ukusukela kumhla imali client. Ukudluliselwa kwemali ngaphandle umqhubi, abalamli ukuze inxaxheba. Ngaphandle kokuba wenza ngenye uhlobo yale bank transfer okanye umthetho federal, irrevocability of transfer kwenzeka ngalo mzuzu yokubhala off imali kwi-akhawunti okanye ukunika abathengi. Ngaphandle ezihambayo elektronika. Ukutshintshelwa olungenamiqathango, ngokungqinelana ne-FZ 161 "Kwi inkqubo yentlawulo yelizwe," livela ngomzuzu kwemiqathango ebekwe yi ngumthengi. Lo mgaqo ukwasebenza amatyala counter-nokungeniswa kwamaxwebhu zidweliswe currency ezahlukeneyo, ukutshintshwa izixhobo zemali (izibambiso). Isiphelo ukudluliselwa xa umxhasi onyamekela umqhubi mnye, kufika ngexesha ufaka imali kwi-akhawunti yomamkeli okanye uvumele kunikezelo kwemali yawo. Lo mthetho awusebenzi kwiintshukumo zemali-elektroniki. Ukuba umxhamli wakhonza ngabaqhubi ezahlukeneyo, isiphelo transfer kwenzeka xa mali zidluliselwa yomqhubi kumamkeli. Oku kufuneka athathe ingqalelo iimfuno Art. 25 161-FZ "Kwi inkqubo yentlawulo yelizwe."

izibopho umqhubi

Bema mzuzu of transfer lokugqibela. Umqhubi ukudlulisela imali kwi-akhawunti yomamkeli okanye lokukhupha kuye ngemali eziinkozo kufuneka anike abathengi ithuba ukuphonononga ulwazi nemiqathango kubonelelo ngeenkonzo. Ulwazi kufuneka kube lula ukuyiqonda. Familiarization kuquka wenziwe:

1. Isixa ikhomishini kunye umyalelo yokuqokelela wayo, ukuba kubonelelwe kule mvumelwano.
2. Indlela ukufumanisa izinga lotshintshiselwano xa kusenziwa udluliselo lwemali amazwe.
3. Inkqubo yokuthumela amabango.
4. Olunye ulwazi olufanelekileyo kubonelelo ngeenkonzo sentlawulo.

Iimpawu on-imfuno translation umamkeli

Debit ngqo yomqhubi, ngokungqinelana nesivumelwano kunye umhlawuli, kwi kwiakhawunti yakhe kwemvume yakhe (ukwamkelwa) komyalelo weza. Ilungelo ukuba ibango liya kunikwa nesivumelwano komamkeli. Le Umhlawuli ukuze anike imvume yayo kokufumana umyalelo okanye emva koko. Ukwamukela zinokuchazwa isivumelwano kunye nomsebenzisi okanye yenziwe kuxwebhu elahlukileyo (umyalezo). Umntu unelungelo ukunika imvume ngokunxulumene abamkeli enye okanye ngaphezulu okanye iimfuno. Umyalelo ithunyelwe ngqo umqhubi okanye therethrough. Xa kungekho qumrhu inkonzo pre-ukwamkeleka iya kubuya igqithe imfuneko ukuze afumane imvume ungadlulanga umhla ozayo emva kokwamkelwa umyalezo. Ukuba wanikwa kwangaphambili, kwaye umamkeli komyalelo ingqamana ngokwemimiselo yayo, oko kufuneka kwenziwe. ukusebenza Term kunye nobukhulu kulindeleke ukuba ukwamkeleka. Ukuba neemfuneko yomamkeli ziphikisana imiqathango imvume Mhlawuli okanye akukho ithuba ukukhangela kubo, iBhodi kufuneka abuyele umyalelo ngaphandle abulawe. Le ngokwemvumelwano mabaqeshwe abekwe qumrhu inkonzo umsebenzi kulo mzekelo, acele ukwamkeleka.

161-FZ "Ngomhla inkqubo yentlawulo yelizwe": Inqaku 9

Kulo Mthetho olumisiweyo kuquka awuyomiqathango elawula imithetho malunga nokusetyenziswa ngendlela ye-elektroniki. Kuliwa ngokuhambelana imvumelwano. Isivumelwano phakathi umqhubi kunye abathengi okanye ngaphambi komhla wokuqala kuphela. Ndikhonza ndaba ilungelo lokwala nokubhaliswa kwesivumelwano.

Umyalelo jikelele

Ngokuxhomekeke kwisivumelwano malunga nokusetyenziswa ngendlela ngekhompyutha intlawulo, iBhodi kufuneka azise umxhasi malunga zonke iimeko. Ngokukodwa, intshayelelo lwenziwa naziphi na izithintelo, kwakunye namatyala zemisebenzi ophezulu umngcipheko. Umqhubi Kwakhona unyanzelekile ukuba wazise kwi transfer ngasinye mali ngekhompyutha. Ukuza kuthi ga ngoku, saziso olufanelekileyo ithunyelwe client. Imithetho ukuthimba yayo kunye nokuthumela zicwangciswa kwisivumelwano. It Luxanduva umqhubi ifakiwe nayo ukuqinisekisa amathuba ngokuthumela isaziso ukulahleka yesixhobo sentlawulo ngekhompyutha okanye ukusetyenziswa kwayo engekho imvume client. Zonke zaziso kufuneka zibhalwe, kwaye ulwazi ehambelana kufuneka zigcinwe iminyaka emithathu. Umqhubi unyanzelekile ukuba unike iinkcukacha kunye namaxwebhu anxulumene ukusetyenziswa elektronika bentlawulo ngumxhasi. Imithetho phantsi kwayo ikhutshwa phandle, echazwa isivumelwano. Umsebenzisi kwakhona kufuneka ukuba siqwalasele amabango xa kuthe kweembambano, kubandakanywa ukusetyenziswa elektronika bentlawulo. Umxhamli kufuneka banikwe ithuba lokufumana ingcaciso kwisiphumo kwecala on isibheno sakhe.

Ukupheliswa / ukunqunyanyiswa ukusetyenziswa elektronika

161-FZ ivumela ezi zenzo phambi isaziso evela client. Ukupheliswa / ukunqunyanyiswa lokusetyenziswa kwakhona iqalwa umqhubi. Kwimeko yokugqibela, oko kuxhomekeke inzaliseko imithetho ukuhlukunyezwa ngumxhasi, esekwe kwisivumelwano. Ukupheliswa / ukunqunyanyiswa lokusetyenziswa nto ayikuthinteli noxanduva umqhubi kunye nomthengi transfer imali, ukuba wesuka phambi kokuba isigqibo.

ukwengeza

Kwimeko yelahleko okanye ukusetyenziswa ngendlela ngekhompyutha sentlawulo, ngaphandle kwemvume zabathengi, kufuneka athumele isaziso yomqhubi. Ifom ye saziso emiselwe yi ikhontrakthi. Kuba isaziso baya ngokukhawuleza yenziwa emva ekufumanekeni izibakala kwaye hayi emva kwe ngosuku olulandelayo ngosuku ulwazi malunga ikhomishini utyando engagunyaziswanga. Emva kokufumana isaziso, iBhodi kufuneka sibuyekeze umthengi acinyiweyo ngaphandle kwemvume mali yakhe.

bokuqonda

Ukuba umqhubi akuthethi ukuphumeza imisebenzi enxulumene ukwazisa ngumthengi-mali olwenziwe ngokungqinelana Part. 4 Art. 9, umthetho ekuthethwa, ubophelelekile ukumbhatala imali ubhale-off leyo umsebenzisi khange bazisiwe yaye sele zidluliselwe ngaphandle kwemvume yakhe. Ukuba iqumrhu inkonzo ukuthumela isaziso ngokungqinelana neemfuno ezingummiselo, kwaye ngumxhasi akuthethi ukuthumela umyalezo yimithetho h. 11 Art. 9, imbuyekezo unganikezelwanga. Ukuba umqhubi owenza imisebenzi enxulumene ulwazi lwabasebenzisi, abantu zibonakalayo ozithengileyo lwenziwa kwi yure. 4, njengommi, nayo, wathumela isaziso ngendlela ye-11, owokuqala unyanzelekile ukuba ukumbhatala imali acinyiweyo ngaphandle kwemvume, ukuya mzuzu yokuthumela imiyalezo lwegazi olungavumelekanga izenzo. Kulo mzekelo, imbuyekezo inikezelwa xa iqumrhu wenkonzo ukubonisa ukuba imithetho abathengi ukuba ukusetyenziswa elektronika bentlawulo athe anyhashwa, kwaye kwakhokelela ekubeni iziphumo ahambelanayo. Noko ke, ulawulo, kukho ukuxolelwa. Izibonelelo Umhlathi 15 Inqaku le-9 ingqalelo isenzo olumisiweyo ngokuphathelele imisebenzi yomsebenzisi ukuze abuyekeze abantu imali abathengi-zendalo intengiselwano yenziwe ngaphandle kwemvume yakhe, ngaphambi ngokuthumela isaziso ezifanelekileyo aziyi kusebenza iimeko kusetyenziswe iindlela ngekhompyutha intlawulo phantsi Part. 4 Art. 10.