Njengomnini nomxhamli - a ... Ukuchonga yomnini iyingenelo

"Umnini Siyingenelo" - ingqiqo osetyenziswa ukuqokelelwa kunye nokugcinwa kolwazi oluthile malunga iinkampani ezisebenzisana kunye nemibutho edweliswe kweli nqaku. 5 lomThetho № 115-FZ. Kolu luhlu lwezithuba ezithathwa ukwenza ezahlukeneyo imisebenzi enxulumene kwipropati kunye nemali. Kamva kweli nqaku sihlolisise imfundiso, uchaze intsingiselo yawo. Makhe uqhelane kunye nenani imiqathango yalo mthetho, wona kulawulwa.

Le nkqubo-sikhokelo yowiso-mthetho

Ukungqinelana izithethe ezisekiweyo ezintsha ziya bachukumise phantse yonke imibutho ukuphumeza imisebenzi kwimarike izibambiso, zigcinwa neenkampani ze-inshorensi kwaye i-akhawunti yebhanki. Phantsi komthetho federal, imveliso inyathelo nxamnye semthethweni (lokuxhaphaza) of ingeniso ezifunyenwe ngendlela mthetho kunye nokuxhasa ubunqolobi, umnini yingenelo - na isifundo, ndingenabo obam iwonga ecacileyo.

Lonke ulwazi oluqokelelweyo luza kujolisa Ukwakha imicimbi eyahlukeneyo engavunyelwayo ngumthetho. Noko ke, abasemagunyeni baye ngokuphindaphindiweyo wavakalisa ulwazi echasene nomthetho. Umzekelo woku Myalezo Budget of nguMongameli Russian Federation "Kwi-nkqubo mali ngo-2010 -2012 m ngokulandelelana" ukusuka 25.05.2009 kwiNdibano Federal. Kwesi sicatshulwa, ngeposi ezinye izikhokelo ukumanywa indlela inyathelo nxamnye ukusetyenziswa kwezivumelwano ukwenzela ukunciphisa irhafu kunye nokuthintela irhafu kabini kwinkqubo yokwenza intengiselwano kunye namashishini angaphandle kwimeko apho umntu ongengommi-ngumhlali ilizwe apho sivumelwano umxhamli lokugqibela.

nkqubo yerhafu elizayo

izicwangciso sikarhulumente ukwenzela iminyaka ezayo iquka utshintsho. Ezinye zazo zidweliswe kwi-Code Tax. Undoqo yezi nguqu kukudala ukunyhashwa counter ukusetyenziswa izivumelwano zerhafu ngamazwe iinjongo umthetho olungasebenziyo. Ngenxa yokuba mthetho kufuneka wenziwe ukukhuthaza imibutho ukuba sishintshe ku kolawulo Russian Federation of the kwiindawo offshore zehlabathi. breaks Irhafu kunye ezikhethiweyo kucacisiwe kule izivumelwano ngamazwe i-Russian Federation, akayi kusetyenziswa xa ekugqibeleni umnini iyingenelo - ngumhlali weli lizwe.

Ukuchongwa yomnikazi iyingenelo

Umba kokubhengezwa umnini iyingenelo uvusiwe izihlandlo eziliqela kwishishini Russian mihla, kodwa ngenxa yokunqongophala inkcazelo ecacileyo wahlala kusalindwe. Umzekelo woku iNkulumbuso ngomlomo. Ngokutsho kolu xwebhu, iinkampani ezininzi, ubukhulu becala ngurhulumente-owned, bathumela iikontraki imfuneko ukuvelisa ulwazi malunga bonke abanini kunye nabaxhamli ekugqibeleni. Noko ke, ngenxa yokunqongophala kwenkcazelo ecacileyo kolu luvo kunye neenkqubo disclosure yolawulo ukunika ingcaciso efunekayo sele kwakungenzeki kwaphela. Kodwa, ngoJulayi 2013 yaba umnini abangabaxhamli client ezichongiweyo yimibutho zebhanki.

Uluhlu kufuneka data lobuqu

Ukungqinelana nomthetho ukuba ukuxela ulwazi ngabaxhamli, umnini uya kuba amaqumrhu asemthethweni ukuba une-akhawunti yebhanki kwaye abathengi lwamashishini abenza kweentengiselwano kunye mali. Imali iyonke, ubume kunye nenkqubo yokufaka iinkcukacha kufuneka lithobele umyalelo, evunywe yi-Government. Noko ke, ngenxa yokuba namhlanje izibonelelo eziphambili ziye okwangoku ishicilelwe, yonke ingcaciso iya idluliselwe ngokungqinelana noMthetho № 115-FZ kunye noMmiselo ezivunyiweyo kunyaka-2004, 19 Agasti, i-Bank of Russia. Iqulathe ulwazi ekuchongweni labaxhamli ngu zamakhadi nabathengi ukuze avelise inyathelo nxamnye semthethweni (lokuxhaphaza) of ingeniso ukusuka kwindlela mthetho kunye nokuxhasa ubunqolobi. Ngokusekelwe umthetho, ukumisela inkqubo zokuqatshelwa ngamnye kuyimfuneko ukuba maziqinisekise ezi zinto zilandelayo:

• ifani, igama, patronymic;
• umhla wokuzalwa;
• indawo eyiyo yokuhlala okanye yokuhlala okwethutyana;
• inombolo yerhafu zakho (ukuba zikhona)
• zobumi;
• ngokuba abasemzini - iinkcukacha kuxwebhu ebonisa ilungelo lokuba bahlale kummandla Russian Federation (ikhadi imfuduko);
• iinkcukacha zoxwebhu esiqinisekisa yesazisi.

Utoliko ingqiqo ka "umntu ofumana uncedo"

UMthetho № 115-FZ yomnini iyingenelo - ayikho nje inkcazelo entsha. Naye kuyo wasebenzisa igama elithi "umntu ofumana uncedo". WokuLawula iqulathe inkqubo ngokwayo ukuphawulwa yokugqibela. Kubo isifundo, ukuze inzuzo yazo kukuba ukwenza iintshukumo ezithile kwimisebenzi zemali. Kutheni umthetho yingenelo umnini - ngumseki? Makhe ukucacisa oku. Ukuchonga nxaxheba bezifundo abaya asebenza isekelwe mvumelwano order arhente contract and fiduciary. Umntana inokuba iqumrhu elisemthethweni okanye ngokwasemzimbeni. Kubhaliwe emyalelweni. Kodwa ke umnini yinzuzo - kuphela ngamnye. Kuthetha ukuthini? Ngamanye amazwi, umnini iyingenelo nento esemthethweni - a owaseka lweshishini.

Inkqubo ukumisa

Ikhokelwa umthetho, amaziko zebhanki kufuneka kufuna ukuxelwa kolwazi kumxhamli kwaye benefitsarnogo umniniyo. Oku, kunokubangela iingxaki ezithile. Bona ahlangene nesibakala sokuba ngokuchonga umnini iyingenelo of kuchazwe ngokucacileyo ngakumbi emyalelweni. Kodwa nantsi inkqubo ukuyifaka xaka eziliqela, ngenxa yokuba kufuneka siqaphele umntu lowo umthetho ekuthethwa njengomnini iyingenelo. Umthetho ubonelela abukho. Kulo mba, ibhanki akanalo ilungelo lokucela ukusuka data umthengi ukuba ezingafakwanga kuluhlu kuluhlu zokuqatshelwa umnini iyingenelo.

ukuqoqa ulwazi

Ukuqokelela ulwazi malunga umnini iyingenelo, amaziko zebhanki unelungelo lokusebenzisa naliphi na amaxwebhu ebonelelwe client. Yintoni iqukiwe uluhlu kubo? Ngokuqhelekileyo, le nkangeleko yomnikazi iyingenelo, uhlobo ezahlukeneyo isicelo kunye neleta eya ebhankini. Yintoni le ikuthethayo umthetho? Regulations ithi ukuba umnini ekuchongeni abanini akayi elibhaqiweyo, kuyabonakala umzimba ilungu lesigqeba.

Le ezintsha ijolise ekuchongeni mveliso yosuku olunye. Kungenzeka, kuya kusetyenziswa amashishini apho kube nzima ukumisela umnini iyingenelo. Le mibutho iquka oku kulandelayo:

1) Iinkampani non-nzuzo ezingenawo umnini, kodwa abaxhamli abakhoyo;

2) funds mutual;

3) Iinkampani joint-stock kunye nabanini ezininzi, nganye kufanekisela iimpawu kuyingenelo.

4) le nkampani, nto leyo ngokobungaphi bamalungu bangabanini impahla kunye nezakhiwo trust.

Individual (special) udidi lamashishini

Iintlobo-nxaxheba yobudlelwane, leyo aveze labaxhamli kungeyomfuneko ukuba ubandakanye oku kulandelayo:

1)-arhente zikarhulumente;

2) namagunya asekuhlaleni;

3) Iimali ezingezo-mali karhulumente-owned;

4) nemibutho okanye amaqumrhu abo imali ngaphezu kwama-50% yezabelo ephethwe yi-Russian Federation, abalawulwa balo kunye noomasipala ezahlukeneyo;

5) wamanye amazwe, umbutho ngamazwe okanye ulwahlulo wezopolitiko wamanye amazwe, elingumnini self-emi;

6) benkampani izibambiso.

ngaphandle ezivunyiweyo

Ngokuqhelekileyo, kuba unyango lwe ulwazi lobuqu umntu, ishishini okanye ishishini iqumrhu ngasinye kufuneka imvume yakhe ebhaliweyo. Noko ke, Art. 6 lomThetho № 152-FZ kwidata yobuqu ubonelela ukuba iimeko imvume apho ukusebenza kwedatha ayikho imfuneko. Ezi ziquka:

1) Iimeko phantsi yezizwe ngezizwe okanye imithetho ukufezekisa iinjongo ezichaziweyo;

2) amandla athile okanye noxanduva zibonelelwa yi imithetho Russian Federation njengomsebenzisi.