Uwiso-mthetho malunga mvume lwemisebenzi ezithile baseRashiya

Ayizizo zonke msebenzi bangaqheliswa ngokukhululekileyo. iintlobo ezithile zifuna iimeko ezizodwa wadibana, ukuhlangabezana neemfuno nomthetho. Ngaphandle into yokuba nawuphi na umsebenzi kufuneka zibhaliswe ukuba benze ezithile iindidi zamashishini bafuna ukufumana mvume eziyimfuneko. On mvume lwemisebenzi ezithile esiyifundayo izinto ezikhethekileyo. Ngokukodwa, kukho uMthetho "Xa lweelayisensi iintlobo ezithile zemisebenzi" kunye nenani elinamanci mabini anesibhozo, ukuba uDuma State of Russia yamkela weshumi Julayi amabini amawaka omnye, waya ukusebenza ngo-Agasti lwesibhozo amabini amawaka, omnye. Inqaku Seventeen loMthetho lichaza uluhlu alupheli zemisebenzi ngokuxhomekeke mvume. Iyonke kweli nqaku ikhulu elinamanci amahlanu amanqaku, ngoko ke kufuneka ezininzi kwiintlobo zemisebenzi zoshishino ezifuna mvume. Iindidi ezifana zemisebenzi ziquka, umzekelo, umsebenzi

- uyilo, ukwenziwa, ukulungiswa kunye nokuvavanywa moya;

- zokusabalalisa, ulondolozo, inkonzo, imveliso kunye nophuhliso kwezixhobo lokufihla;

- luphuhliso kunye nolwazi nokhuselo zobugcisa;

- izixhobo zomkhosi izixhobo, nezinto ezinjengezo.

Uwiso-mthetho malunga lweelayisensi iintlobo ezithile zemisebenzi ubonelela ukuba kunyanzelekile ukuba ufumane imvume ukwenza imisebenzi zebhanki. Kutheni na oko? Ukuze wenze le nkqubo yogcino ezinzile ethembakeleyo, ukukhusela kuphela imidla amatyala, kodwa abatyali-mali. Nayiphi na ibhanki phambi kokuba uqale nemisebenzi efunekayo ukuze afumane ilayisenisi kuyimfuneko, apho yonke imisebenzi zivumelekile ngumbutho yorhwebo iza ngokuthe gca.

Yintoni na ukunikezelwa zebhanki? Oku kuya ibhanki yorhwebo ezizodwa phantsi komthetho, imvume ukwenza imisebenzi ethile. Kodwa apha amasebe zezi bhanki akukho mfuneko-mvume ezimeleyo, zisebenza phantsi kwelayisenisi ye ebhankini kunye imvume ebhaliweyo.

Ngenxa yoko, ibhanki njenge qumrhu ishishini ngokungqinelana noMthetho Federal kwi-layisensi yeSoftwe Iintlobo ezithile Imisebenzi kufuneka ukuba okokuqala ukufumana ilayisenisi imisebenzi zilandelayo:

- yokulahlwa kwe abemi kunye nemibutho (efumana imali kubo);

- kuvulwe akhawunti yomthengi ulawulo lwabo;

- kahle ezazakhiwe;

- Ukunika ngokhuselekileyo nokugcinwa ekhuselekileyo;

- ndaba kunye platezhek turnover;

- iinkonzo kunye amakhadi ebhanki;

- iinkonzo lokucebisa.

Ukongeza, amaziko zebhanki umdla mali imali ebolekiweyo, banoxanduva imingcipheko.

Ukongeza-mvume izinto ezithile iibhanki, kusafuneka imvume Central Bank. Le misebenzi ibandakanya:

- umsebenzi neenqobo lwemali;

- umba izibambiso yebhanki (private), kubandakanywa egameni client;

- umsebenzi mali ngokunxulumene neminye imibutho;

- umba nokujikelezisa ilotto;

- iinkonzo zokuqokelela kunye nezinye imisebenzi.

Akukho ibhanki iya mvume lokuqhuba imisebenzi imveliso kunye norhwebo zakudala, i-inshorensi, ngaphandle iinkonzo mbambano.

Central Bank unika imvume kwibhanki zorhwebo phantsi kwazo zonke iimeko:

- ihlawulwe ngokupheleleyo capital share;

- ukufumaneka izixhobo eziyimfuneko kunye nobuchwepheshe;

- ukufumaneka indawo abafanelekileyo umsebenzi ebhankini;

- ubukho yeBhodi yabaLawuli.

Ngokuba imisebenzi ezidinga imvume ye-Central Bank kwathiwa, kuyimfuneko ekuqaleni ukuze ufumane ilayisensi ngokwayo, kufuneka efunekayo yolawulo kwesihloko, Central Bank ukunika isicwangciso soshishino ukungqina uzinzo lwemali ukuqhuba imisebenzi zebhanki, kufuneka iiyunithi ezifanelekileyo kunye nokwenza eminye imiqathango efunekayo ye-Central Bank of Russia.