Amagqabantshintshi ngomthetho omnye. Umxholo wembali yamatyala, imigaqo yokusebenza kwenkqubo yokutshintshiselana ngolwazi, ulawulo.
Ngokuqinisekileyo uninzi lwakho ubuncinci uthathe imali mboleko, kunye nenkqubo enjalo enokuba nayo. Imodeli yobomi baseNtshona enamatyala e-Hounet ichithwe kwilizwe lethu, ithathe i-chalines embi. I-APOTO-i-AUPTIONS yokwandiswa konyuso, i-ALOS, kunye nenani lemali mboleko engaphelelanga, kwaye ngele nto kufuneka wenze into ...
Iindaba zaseMpuma 1, 2005 Zonke izibonelelo zemithetho Nombolo 218-FZ yasebenza nge-30 kaDisemba ngo-2004. "Ukupeyinta Amabali", ¶110-фф ngomhla wama-21.07.2005. "Ukuphuhliswa kotshintsho kumthetho we-Federal" Peeting Amabali ", kunye ne-229-фф yomhla wama-30, 2004." Ukuphuculwa kotshintsho kumthetho we-Federal "kwaye hayi . I-17-FZ DATAY 21, 2005. Izilungiso kwiNqaku lesi-4 loMthetho No. 219-FZ. Inkqubo entsha sele iqalile ukusebenza: ikhathalogu yetyala eliphakathi yamabali etyala (Alinafter ekubhekiswe kuyo njenge-tskki), i-Bureaine (i-Bureafaus (i-Bureaine (i-fueaufor (i-Areafaus ekubhekiswa kuyo njenge-Bureau), bonke ababolekisi banyanzelekile ukuba babonelele ngolwazi lwabo kubabolekisi babo- umntu ngamnye kunye nemibutho yezomthetho kwelinye lala maziko. Masizame ukufumanisa le nkqubo inzima.
Ke, iinjongo zoMthetho No. 218 'yindalo kunye nenkcazo yemigangatho, ukulungiswa, ukugcinwa nokuvezwa kwexesha lembali yemboniselo yolwazi lwemboleko ( Imali mboleko), ukwandisa ukhuseleko lwababolekisi kunye nababolekisi ngenxa yokuncitshiswa ngokupheleleyo kwetyala, ukuphucula ukusebenza kwamaziko emvume. " Oku kurekhodwa kwinqaku loku-1 loMthetho. Kubalulekile ukuba phantsi kwesenzo sayo iwa bonke abantu nakwimibutho esemthethweni. Siza kugxila kubemi bababoleki bangoku nabaza kubakho.
I-prehistory
Imfuno yokuboleka kwabathengi kwilizwe lethu iyakhula ngokukhawuleza. Uninzi lwabantu lukhetha iimpahla ngokungqinelana nezakhono zabo kunye neemfuno zabo: Abemi abanempahla kunye nezinto eziphantsi zendlu, kwiimoto eziphantsi zekhaya, kwiivenkile kunye neendawo zokugcina . Ukufumana iMali mboleko yokuthenga ifowuni yeselfowuni okanye, umzekelo, ukucocwa kweVenkile ngamanye amaxesha kubonisa ipasipoti. Sifuna amakhadi amabini ophilayo (umzekelo, kwipasipoti yangaphandle neyangaphandle). I-Achetoba ithatha imali mboleko yokuthenga indlu okanye imoto, kuya kufuneka isiqinisekiso semali.Ewe, yonke imali mboleko kwilizwe lethu ikhutshwa ngenzala. Kwangelo xesha, i-Bank engaphezulu iqinisekile kwi-Solvency yoMbolekisi, ezantsi kwenzala yenzala ephumayo. Umzekelo, kwimali mboleko yemali mboleko enikezelwe kubantu abaphakame kakhulu kwaye kungenjalo baphumelele inkqubo yokujonga iBhanki, ireyithi ye-14-15% ngonyaka ithathelwa ingqalelo njengesiqhelo. Kwezinye iimali mboleko zabathengi, akukho mntu unikelayo ungaphantsi kwe-18%. I-Aesl yeza kwivenkile ngaphandle kwemali kwaye ngepasipoti enye, kunokwenzeka ukuba ibe kwi-biele "ye-bile" ye-30% ngonyaka kwi-7% ngonyaka kwi-commassions kunye nemirhumo, Ixabiso elifanayo lilonke lifikelela kwiipesenti ezingama-40 nangaphezulu.
Ekuqaleni, ivelisa umbono obuhlungu. Kodwa kwiimeko zemarike engasonjululwanga, iibhanki zinyanzelekile ukuba zibekho emngciphekweni wokungahlawulwa kwamatyala ngemali yenzala kwimali mboleko kwityala lepesenti. Ukuvunywa kwetyala eligqithisiweyo kuya kuba ngaphezulu nangakumbi yonke imihla. Umatshini kwiibhanki ukuze uhlangabezane nayo, nangona uninzi lwazo lukhona izakhiwo ezikhethekileyo ezichaphazelekayo ematyaleni. Ukuzama ukuDibanisa ulwazi sele kwenziwe, bathi kudala ngaphambi kokuthathwa komthetho "Ukuphakamisa Amabali" Ayekhona kwaye Usekhona Igama Lazo Elihle Ngeemali mboleko ezingaqhelekanga. Ngoku yonke into ifanele itshintshe ilunge ngakumbi, kwaye wonke umntu uya kuba nomdla wokwakha imbali yakhe yamatyala. Yena ngokwawo uya kusebenza njengobungqina bobungqina boluvo lwayo (xa esiza ebhankini ngemali mboleko). I-atch yazo zonke iidiliya zemali mboleko, sinethemba lokukhupha ngokuthe ngcembe kwinqanaba lamazwe aphuhlileyo (malunga ne-4-6% ngonyaka), kwaye imakethi ebolekayo iya kupapashwa ngakumbi.
Iphepha lesigama
Imbali yetyala -Ukuba ulwazi oluphawulekayo ngokubolekayo koonobongo bezibophelelo ezithethwayo phantsi kwezivumelwano zemali-mboleko (imali mboleko) kwaye bagcinwe kwi-ofisi yamabali etyala. Imbali nganye yetyala iqulethe iinxalenye ezintathu: Isihloko, ophambili kunye eyongezelelweyo (evaliweyo).
Isivumelwano semali mboleko (kwimali mboleko) -Imvumelwano enemeko yokubonelela ngemali mboleko (okanye) yemali mboleko (yebhanki).
Ingxelo yetyala - Uxwebhu olungena kulowo lwayo lubandakanyiwe kwisihloko kunye nenxalenye ephambili yembali yamatyala. I-Bureau ibonelela ngesicelo sembali yetyala lomsebenzisi kunye nabanye abantu abafanelekileyo kolu lwazi.
Umthombo wokwenza imbali yetyala -Umbutho ongumbolekisi (umbongo) phantsi kwesivumelwano semali mboleko (kwimali mboleko) kunye nokumela ulwazi oluquka kwimbali yamatyala kwi-ofisi yamatyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yamatyala kwi-ofisi yetyala kwi-ofisi yamatyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yetyala kwi-ofisi yamatyala kwi-Bureau.
Umxholo wembali yamatyala -Umntu obonakalayo okanye osemthethweni obolekayo phantsi kwesivumelwano semali mboleko (imali mboleko) nangeembali zetyala.
I-Bureau yamabali etyala -Iziko elisemthethweni, elingumbutho osemthethweni kunye nokubonelela ngeenkonzo zokusekwa, ukuqhubekeka nokugcinwa kwamabali etyala, kunye nokubonelela ngeengxelo zemali mboleko kunye neenkonzo ezinxulumene noko.
Imbali yomsebenzisi wetyala -Usomashishini umntu ngamnye okanye iqumrhu elisemthethweni (ngokufuthi ibhanki, iziko letyala), ofumene ibhaliwe okanye ngendlela eyahlukileyo, ebhale ingxelo yomxholo wetyala ukuqukumbela isivumelwano semali mboleko (kwimali mboleko).
Ikhathalogu ephakathi yamabali etyala (Tskki) - Ukwahlulahlulahlulahlula i-Central Bank ye-Russian Federation, oovimba weenkcukacha ezikhokelayo benza ukukhangela i-Bureau apho imbali yetyala yemibutho yabemi nemibutho ifumaneka khona.
Irejista yeLizwe ye-Bureau yamabali etyala -Umthombo wolwazi ovulekileyo kunye noluntu oluvulekileyo (isiza), oqukethe ulwazi malunga ne-ofisi yamabali etyala angeniswe kule rejista ngumzimba ogunyazisiweyo.
Isifundo sembali yeTyala -Indibaniselwano yeesimboli zedijithali kunye neeleta ezigqitywe yiZiko leMbali (obolekayo) esetyenziswa ngabo kwaye (okanye) ngemvume yomsebenzisi wembali xa ithumela isicelo se-ofisi ye-Bureau apho ( eyiphi) eyenziwe (eyenzelwa) imbali yamatyala (imbali yamatyala) Lo mbandela, ukuqinisekisa ubunyani bokukhupha olu lwazi.
Umgaqo oSebenzayo
Kwangokunjalo, iibhanki ngoku ziya kujonga ukuba i-good's yakho yandise i-Insorbhuqu olwenziwe ngayo: Ukuthetha njengabasebenzisi beNtlalobo, banokucela ulwazi malunga nawe kwikomiti ephambili. Elokugqibela liza kuphendula, apho i-Bureaul inolwazi olunjalo (inqaku le-13). Ukutshintshiselana ngolwazi kwenzeka ngokukhawuleza, kuba yonke imibutho ebandakanyeka kolu datha isebenzisa iikhompyuter kwaye ithumele iimpendulo kwizicelo ngohlobo lwemiyalezo ye-elektroniki.
UMNYANGO WOKUGQIBELA WOKUGQIBELA
Luluphi ulwazi olutsho kolu xwebhu lugcinwe kumatywina alixhenxe kwi-ofisi? Olona hlukeneyo, luvumela, okokuqala, ukuba ungazichongi ubuntu, kwaye okwesibini, ukulandela inyathelo ngokuthatha ixesha lakhe. Imbali nganye yetyala lomntu okanye osemthethweni ngokuhambelana nenqaku le-4 loMthetho liqulathe iinxalenye ezintathu: izishumi, eziziiprayimari nezinokukhetha (ezivaliweyo). Eyokuqala ibandakanya (yabemi): Igama elipheleleyo, umhla kunye nendawo yokuzalwa, iinkcukacha zepasipoti, inombolo ye-akhawunti yerhafu (i-Inn) kunye nenombolo ezimbini zokugqibela zibonisiwe) .
Umqondiso wembali yomntu onetyala iqulethwe yidatha yakhe engafakwanga inqaku lenxalenye, ebizwa ngokuba yindawo yobhaliso kunye neyona ndawo ihleli kuyo kunye nolwazi malunga nobhaliso lukarhulumente lomntu njenge usomashishini ngamnye (ukuba kunjalo). Kwaye ulwazi olufanayo kwizibophelelo zomntu obolekayo yirekhodi nganye yembali yetyala (!), Oko kukuthi, kwimali mboleko nganye efunyenweyo:
malunga nenani lezibophelelo ngomhla wokuqukumbela isivumelwano semali mboleko (kwimali mboleko), oko kukuthi, malunga nemali yokuqala ebhankini;
Ixesha lokuphunyezwa kweembophelelo zemali mboleko ngokupheleleyo;
ixesha leepesenti;
Utshintsho kunye (okanye) ukongeza kwisivumelwano semali mboleko (imali mboleko), kubandakanya ngokuzalisekiswa kweembophelelo;
umhla kunye nesiphumo sokufezekisa izibophelelo kwinani elipheleleyo okanye elingaphelelanga;
Intlawulo yemali mboleko (imali mboleko) ngenxa yesibonelelo, ukuba lowo ubolekayo akaziboneleli zibophelelo zayo phantsi kwesivumelwano (umzekelo, kwimali yemali yendlu leyo yafakwa);
Iinyani zokuqwalaselwa yinkundla yeembambano phantsi kwesivumelwano semali mboleko (kwimali mboleko) kunye nomxholo wezinto zokusombulula izenzo zenkundla, ngaphandle kwenxalenye yembali eyongezelelweyo (evaliweyo) yembali yetyala .
Eyona nxalenye iphambili inokubandakanya olunye ulwazi olufunyenwe ngokusemthethweni kwiiarhente zikarhulumente. Ukubuza (kuvaliwe) Inxalenye yeMveliso yeKemati iqulethe ulwazi malunga nemithombo yolwazi kunye nabasebenzisi bembali yamatyala, oko kukuthi, zonke iibhanki kunye (okanye) zicela iingxelo zemali mboleko kwi-ofisi. Le yeyona datha ilandelayo: Igama lazo, inombolo yobhaliso lwelizwe elinamanyano leziko elisemthethweni, i-Inn, ikhowudi ye-classifier ephambili yamashishini kunye nemibutho (Okpo) kunye nemihla yezibheno.
Inkqubo yokutshintshiselana equlethwe kwimbali yetyala
2.Bank ubuza umxholo ukunika imvume ebhaliweyo yokufumana ingxelo yetyala kwiZiko leMbali.
3.suble inika imvume enjalo.
4.Bank (njengomsebenzisi wembali yamatyala) bacela iNgxelo yeTyala letyala ngesihloko kwi-ofisi yamatyala etyala, anemvumelwano yokubonelela ngeenkonzo zolwazi. Umgangatho wokuqinisekisa, i-Bureau ibonelela ngengxelo enjalo okanye iphendula ukuba imbali yamatyala yalo mbandela kwiziko ledatha layo lilahlekile.
5. IBhanki ijika kwi-Tskki ngesicelo, eyiphi i-Bureau inembali yamatyala walo mbandela. I-Tskki inoxanduva, kwaye i-Bhanki ibhenele kwi-boreau echaziweyo.
6.Bank Imiboleko kwimali mboleko kumbolekisi kwaye imcela ukuba avume ukunikezelwa kolwazi ngaye kunye nemali mboleko efunyenwe kubo kwi-ofisi.
7.Bank inikezela ngolu lwazi ubuncinci kwi-yuream yamabali etyala.
8. Lonke i-Bureau idlulisela itage yamabali etyala ezityala kwikomiti ephakathi.
9. Wawungumxholo ongumxholo (wangaphambili, obolekayo ngoku okanye ozayo) unokucela imbali yayo yetyala kwi-ofisi ye-Bureau, kwaye i-Bureau inyanzelekile ukuba inikezele ngokupheleleyo, ukuba ikwidatha yayo. Ukuba imbali yetyala lesifundo kwindawo yogcino lwe-ARTE ingekho, kufuneka ithumele ukwala okhuthazayo kwisifundo.
10.Usi sifundo sinelungelo lokufuna ulwazi malunga nokuba i-Bureau yimbali yetyala, kwi-CCQs. I-Ata yoMbutho inyanzelekile ukuba imphendule.
Ukubonelelwa ngolwazi
Umxholo wembali yamatyala ngubo obolekayo okanye obolekayo obuzayo- unokucela ulwazi olupheleleyo kwi-Bureau malunga naye kwaye ufumane kube kanye ngonyaka mahala kwaye ube yimali (inqaku 8). Unelungelo lokucela umngeni kumxholo wembali yakhe yamatyala, apho kufuneka ingenise ingxelo yeNkcazo yokulungisa kunye (okanye) eyongeziweyo kwi-ofisi. Inyuke ngomhla weentsuku ezingama-30 ukusuka kumhla wokufunyanwa kwesicelo, i-Bureau inyanzelekile ukuba iphendule: ukuqhuba ulwazi olongezelelekileyo lolwazi ngokuyicela imbali yembali. Ukuba ulwazi olunikezwe sisifundo luqinisekisiwe, i-Bureau yenza utshintsho kumxholo wembali yamatyala ukuba akukho kukhuthazekileyo kumenzi-sicelo.Ewe kunjalo, awukwazi ukuba yintoni i-ofisi yeyakho "ityala lakho." Kuyimfuneko ukunxibelelana ne-Tskki (yasimahla), apho ulwazi luvela khona yonke i-Bureasuus. Kodwa kuphela inxenye yembali yamatyala - kwaye akukho nto. Ke, iLizwe limelwe licandelo lebhanki eliphakathi, enyanisweni, alinayo idatha eyiyo yokholo olulungileyo okanye ukunganyaniseki komntu obolekayo. I-Tskki iyayazi into oyigcinayo imbali yakho yamatyala. Kule meko, ungamkelekile kule meko, kuba ukuvuza kwayo akunakwenzeka ...
I-Vkkki inokunxibelelana nawo nawuphi na umbutho wamatyala (imbali yomsebenzi wetyala), onomdla ekufumaneni i-Bureau imbali yembali yetyala. Iya kufumana olu lwazi simahla (inqaku le-13).
I-Bureau yamabali etyala zenzelwe ukubonelela ngesivumelwano (oko kukuthi, ngemali) iinkonzo zokubonelela ngeengxelo zetyala. Olu luxwebhu olufunyenwe ziinkampani ezinomdla kunye nabemi abaye babhekiswa kwi-ofisi. Inamacandelo amabini kwimbali yamatyala kunye neyona iphambili. Inxalenye yayo eyongezelelweyo (evaliweyo) inikezelwa kuphela kwimbali yembali yamatyala; Ukongeza, iNkundla (iMgwebi) phantsi kwetyala lolwaphulo-mthetho lolwaphulo-mthetho, elikwimveliso, kunye nabaphengululi bophando bangaphambili phambi kwemvume yomtshutshisi.
Ngokuhambelana nenqaku le-9 loMthetho ka-Bureau, ezinye iinkonzo ezinxulumene neendlela zobuchule eziqikelelweyo (amanqaku) ezibalayo zokulinganisa (okanye) zisebenzisa amabali etyala) nazo ziyafumaneka.
Izimvo zebhanki
Unjani umthetho "ngamabali etyala"? Yintoni onokuyilinda ababoleki abazayo?
Igor zhigonov, Ilungu leBhodi, intloko yeSebe leShed yeBhanki yeBholi yedolophu: "Ngokwemigaqo yoMthetho, ukusuka kwi-1 Iyore 2005. Ukudalwa kweZiko leTyala sele likho:" Bureau Amabali etyala aphumile kwi-Interfax "kunye" ne "Bureau kaZwelonke weMbali yeTyala" kunye ne-Buream yeMbali yeMbali yeTyheli "kunye ne-Petersburg yomthetho we-St. ayilawule. Zingakanani izinto abazifunayo, ukuziqhelanisa kuya kubonisa. Mhlawumbi iya kuba yi-boreau enye ngomxholo weRussia Federation. I-ANA iya kuthatha ubuncinci iminyaka emibini ukuya kwemithathu. Ngenxa yoko, lo mthetho ufanele ukuba ube negalelo ekunciphiseni kwixesha elizayo xa ujonga izicelo zetyala kunye nokwenza izigqibo, njengoko kuya kuvumela ngokucwangcisiweyo ukufumana ubudlelwane betyala elidlulileyo lomenzi-sicelo. "
Alexander Khoshenko, Ilungu leBhodi, intloko yeSebe leMfundo eliSebenzayo kunye nabantu ababonakalayo ":" I-Bureau yamabali etyala yaqalisa ukusebenza kutshanje, ngenxa yoko, inokuthathwa le nkqubo Ukufumana iMali mboleko kuya kwenziwa lula: Ukukhawulezisa izigqibo zesicelo semali mboleko yebhanki, kunye nenani lamaxwebhu angeniswe ngumntu obolekayo. Kodwa ummangaliso awuzukwenzeka: ixesha elingentle yimfuneko ukuba abemi kufuneka baqokelelene nembali yamatyala. Ke, imbonakalo ye-Bureau iya kuqala ukwenza lula ubomi obunokubakho kwixesha elizayo, njengoko ulwazi luqokelelwe kwindawo yokuqala Umsebenzi we-ofisi yekhredithi kunokuba yinto eyothusayo yabathengi, emva kokuba "ulibale" malunga neembophelelo zabo kubabolekisi, kunye nabo bangenisa iimali mboleko zawo onke amaxesha Inqanaba le-Smart. Kwiimeko ezininzi, abahlali abanakulindeleka ukuba bakwazi ukubala kungekuphela ngebhanki yetyala, kodwa nakwezinye iinkonzo, ezinjengemvumelwano yemali mboleko kunye ne-inshurensi. NgoSeptemba kaSeptemba ngo-2005 I-Bhanki yethu ibonelela ngolwazi malunga nezimbonono zayo kwezi zigunyaziso zelizwe: "I-Bureau yamabali etyala AMABHUNGA AMABALI" kunye "ne-Bureau kaZwelonke yamaBandla etyala".
U-Oleg DMIRIOTO, USekela-Sihlalo weBhodi "IBhanki epheleleyo": "Ngoku i-Bureau yamabali etyala ikwinqanaba lokuqala lendalo kwaye iya kuba ngamandla, ngoko luvo lwam, ngeentsuku ezimbini, xa kufuneka inani elaneleyo lababolekisi. Ukunyuka kwedatha ye-Bureau kwaye ngokufanelekileyo, ukusebenza kwemisebenzi yabo kuxhomekeke kwindlela ezinokuthatha inxaxheba kuzo kule nkqubo. Umgama obolekayo yeBhoron kwizinto zokuzivavanya, kwaye iya kwenzeka nini I-Bureau iya kuba nesiseko esikhulu esifanelekileyo. Kodwa imibuzo emthethweni "kusekho amabali akhuthazayo. Umzekelo, malunga nento yokuba ngokungqinelana nalo myalelo ibonelelwa kwimvume yayo kuphela . Kuyavela ukuba i-theoreuting, ulwazi malunga nababolekisi abanganyanisekanga kwindawo yedatha ayinakukwenza konke konke. Ukongeza, ngokoluvo lwam, kuya kuba kufanelekile ukwenza amabali etyala amatyala. "
Ukhuseleko kunye nolawulo
Okokuqala, kubugcisa. (Icandelo 5) Litsho ngokucacileyo ukuba ubonelelo lolwazi ngokungqinelana nalo mthetho lungaphumlilili, ibhanki, iimfihlakalo zerhafu. Okwesibini, ngokungqinelana neCandelo 2 lenqaku elifanayo, iZiko lamabali etyala lokuqinisekisa ukhuseleko lolwazi malunga nokhuseleko oluqinisekisiweyo ngexesha lokuqhubekeka, ukugcinwa kwalo, ukugcinwa kwayo. Iziko ngalinye kufuneka libe nelayisensi yokhuselo lobugcisa lolwazi oluyimfihlo (bona.17 Umthetho we-Federal Nomb Umthetho we-Federal Nomb ongu 08.08.2001. "). Iilayisensi ezinjalo zinika inkonzo yolawulo lwezobuchwephesha kwezobuchwephesha kunye nokuthumela kwelinye ilizwe (i-FSTEC). Okwesithathu, i-boureau namagosa abo anoxanduva lokutyholwa ngokungekho semthethweni nokusetyenziswa ngokungekho semthethweni kolwazi olufumeneyo. Umthetho №219-FZ dad kaDisemba wama-30, 2004. Utshintsho kwiKhowudi yoLawulo: Izenzo ezingekho semthethweni zokufumana kunye (okanye) ukusasazwa kolwazi ukwenza imbali yetyala ukuba ayinayo intlawulo yomsebenzi wolwaphulo-mthetho, eyi-25 ubuncinci Ubuncinci bemivuzo), kumagosa, ukusuka kwi-25 ukuya kwi-50Mom okanye ukungafaneleki ukuya kuthi ga kwiminyaka emithathu, kwimibutho esemthethweni - ukusuka kwimizuzu engama-300 ukuya kwi-300 imizuzu. Kwizenzo ezinzulu ezininzi, ikhowudi yolwaphulo-mthetho yeKhowudi yoLwaphulo-mthetho ibonelelwe.
Ukulawula ukwenziwa komthetho "kumabali etyala" yenzelwe umzimba ogunyazisiweyo. Ibuyise kwakhona ngesigqibo sikarhulumente we-ARF No. 501 ye-10.08.2005. "Iqumrhu elilawulayo eligunyazisiweyo eligunyazisiweyo ukuba lilawule imisebenzi ye-ofisi yamabali etyala" yinkonzo ye-Federal kwiimarike zezemali (i-FSFR). Ikhokelela kwirejista yombuso ye-ofisi, eseka iimfuno zemeko yabathathi-nxaxheba ye-Bureau, uqhuba imisebenzi ephicothiweyo, inxibelelana ne-SCCPPR.
Ukwamkela umthetho "NgamaBandla OKHONA", urhulumente uzama ukusombulula inkqubo yokukhupha kunye nokubuyisa imali mboleko, ukukhuthaza ngamnye ukuba enze imbali yayo yetyala. Ukuba emva kwethuba, ukutshintshiselana ngolwazi malunga nababolekisi basesasebenza ngokunyanzelekileyo, kuya kuba negalelo ekusekweni kwemarike yentengiso kunye nokwenza lula inkqubo yokufumana imali mboleko. Kodwa, ngelishwa, akukho nanye yeengcali ezibonisa ukuba kunokwenzeka ukunciphisa amaxabiso enzala kwimali mboleko kwixesha elizayo, nangona bekuya kuwa xa umngcipheko webhanki uyancipha. Ngokubanzi, le nkqubo iqale ukusebenza, ukuze siphile, bona ...
Abahleli bebulela i-raiffeisembank "," ibhanki yedolophu "kunye" nebhanki epheleleyo "yoncedo ekulungiseleleni izinto.