Umnikazi Inenzuzo - a ... Ukukhomba umnikazi nenzuzo

"Umnikazi Inenzuzo" - umqondo ukuthi isetshenziselwa ukuqoqwa kanye storage kolwazi oluthile mayelana izinkampani ukuthi basebenzisane izinhlangano ezisohlwini sihloko. 5 yoMthetho № 115-FZ. Ukuze lolu hlu izikhungo oluthathwa enifeza ezihlukahlukene imisebenzi ezihlobene impahla kanye cash. Kamuva esihlokweni sihlolisise umqondo, unikeze nencazelo yayo. Ake uthole kangcono eziningi kwemibandela yomthetho, okuyinto ke kubuswa.

Uhlaka lomthetho

Ngokuhambisana kwezinkambiso ezimisiwe emisha ngeke ithinte cishe zonke izinhlangano ukuthi bafeze imisebenzi izibambiso emakethe, ayagcinwa ku izinkampani zomshuwalense futhi une-akhawunti yasebhange. Ngaphansi komthetho federal, ukukhiqizwa kwanoma isinyathelo semthethweni (ngokungemthetho) ka ukuqhutshwa etholwe ngendlela engekho emthethweni kanye izimali zobuphekula, umnikazi nenzuzo - isihloko, abangenaso isimo esicacile.

Yonke imininingwane eqoqwe kuhloswe ngazo Ukwakha ukuthengiselana ehlukahlukene yezezimali ukuthi kunqatshelwe ngokomthetho. Nokho, iziphathimandla ziye lizwakalise ngokuphindaphindiwe ulwazi kuphambene nomthetho. Isibonelo salokhu uMlayezo Ibhajethi uMongameli we Russian Federation "Ngo Inqubomgomo isabelomali 2010 -2012 m ngokulandelana" kusukela 25.05.2009 kuSigungu Federal. Kuleli pheshana, othumele ezinye iziqondiso sokuhlanganiswa lo mshini wezenzo ngokumelene ukusetshenziswa izivumelwano ukuze kuncishiswe izintela ukuvimbela ukukhokhiswa intela kabili enqubeni yokufeza ukuthengiselana emabhizinisini angaphandle esimweni lapho non-ohlala yezwe lapho isivumelwano umzuzi sokugcina.

inqubomgomo yentela ngekusasa

izinhlelo kahulumeni eminyakeni ezayo kuhlanganisa izinguquko ezithile. Abanye babo ezisohlwini Tax Code. Ingqikithi yalezi zinguquko ukudala ukwephulwa esiphikisayo ukusetshenziswa izivumelwano intela ngamazwe ngenhloso umthetho ayivumelekile. Ngesisekelo umtsetfo kufanele futhi kwenziwe ukuze sikhuthaze izinhlangano ukwedlulisela endaweni ethile ye-Russian Federation of the izindawo sogu lolwandle zomhlaba. Zentela futhi okuncanyelwayo elicacisiwe iimvumelwano leentjhabatjhaba Russian Federation, angeke zisetshenziswe uma oyinhloko umnikazi nenzuzo - umhlali yezwe.

Ukukhomba umnikazi nenzuzo

Udaba ukudalulwa umnikazi nenzuzo uvusiwe izikhathi eziningana ibhizinisi lesimanje isiRashiya, kodwa ngenxa yokuntuleka incazelo ecacile wahlala ezisele. Isibonelo salokhu kukaNdunankulu esiyalwe ngayo. Ngokusho kwale dokhumenti, izinkampani eziningi, ikakhulukazi embuso, zathumela osonkontileka imfuneko ukukhiqiza ulwazi mayelana nazo zonke abanikazi kanye nezindlalifa oyinhloko. Nokho, ngenxa yokuntuleka incazelo ecacile leli qiniso futhi izinqubo zokudalula zokulawula ukuhlinzeka ulwazi oludingekayo bekulokhu kuyinto engenakwenzeka. Nokho, ngo-July 2013 kwaba umnikazi ezuzisayo iklayenti ezikhonjwe yizinhlangano yasebhange.

Uhlu edingekayo idatha yomuntu siqu

Ngokuhambisana nomthetho ukudalula ulwazi abahlomulayo, umnikazi kuyodingeka izinhlangano ezingokomthetho ukuthi ube ne-akhawunti yasebhange futhi amakhasimende wamabhizinisi wahlanganyela ukuthengiselana nge izimali. Isamba, ubunjalo kanye inqubo afake imininingwane kumele athobele lo myalo, evunywe kaHulumeni. Nokho, ngenxa yokuthi namuhla amalungiselelo main angakafakwa eshicilelwe, lonke ulwazi izodluliselwa ngokuhambisana noMthetho № 115-FZ kanye Regulation evunyiwe ngonyaka 2004, ku-Agasti 19, Bank of Russia. Liqukethe ulwazi ukuhlonza abahlomulayo yizinkampani credit card kanye namakhasimende ukuze akhiqize isinyathelo semthethweni (ngokungemthetho) ka isukela ngendlela engekho emthethweni kanye izimali zobuphekula. Kususelwa umthetho, ukusebenzisa inqubo ukuhlonza umuntu kuyadingeka ukuze sithole lokhu okulandelayo:

• nesibongo, igama, patronymic;
• usuku lokuzalwa;
• indawo langempela lokuhlala noma zesikhashana;
• Inombolo yentela yomuntu siqu (uma ikhona)
• yisakhamuzi;
• abafokazi - imininingwane idokhumenti okubonisa ngakwesokudla ukuze uhlale endaweni we Russian Federation (kufuduka ikhadi);
• imininingwane idokhumenti eqinisekisa ungubani.

Ukuchazwa welithi "umzuzi"

UMthetho № 115-FZ yomnikazi nenzuzo - akuyona nje incazelo entsha. Naye-ke wasebenzisa igama elithi "umzuzi". Umthetho iqukethe inqubo ngokwalo ukuhlonza lakamuva. Them ndaba, ngoba owasizwa ukuba sifeze ezinye izenzo ku imisebenzi yezezimali. Kungani umthetho umnikazi nenzuzo - iyona umsunguli? Ake sicacise lokhu. Ukuhlonza abahlanganyeli kuncike ngubani usebenze esekelwe inkontileka oda inkontileka ejensi fiduciary. Umzuzi kungaba inhlangano yawo ibe esemthethweni noma ngokomzimba. Kulotshiwe emthethweni. Kodwa umnikazi nenzuzo - kuphela ngabanye. Kusho ukuthini? Ngamanye amazwi, umnikazi nenzuzo kwenhlangano engokomthetho - umsunguli we ibhizinisi.

Inqubo ukusungula

Baholwe ngumthetho, amabhange kumele okudinga ukudalulwa kolwazi ukuze umzuzi kanye benefitsarnogo umnikazi. Lokhu, kungabangela ubunzima ezithile. Ukuthi yizinto ezihlobene yokuthi ukuhlonza umnikazi ezuzisayo kuchazwe ngokucacile ngaphezulu komthetho. Kodwa nakhu inqubo ukuyifaka kuyinkimbinkimbi eziningana, ngoba yilokhu kumelwe aqaphele umuntu isemthethweni ukubizwa ngokuthi umnikazi ezuzisayo. Umthetho uhlinzeka semibono enjalo. Kule ndaba, ibhange akanayo ilungelo ukucela kusukela idatha yekhasimende ezingenziwanga ezisohlwini uhlu ukuhlonza umnikazi ezuzisayo.

ukuqoqa ulwazi

Ukuqoqa ulwazi mayelana umnikazi ezuzisayo, amabhange banelungelo lokusebenzisa nanoma ikuphi ukuthuthukisa imibhalo olunikezwa iklayenti. Yini ehlanganisiwe uhlu kubo? Ngokuvamile, le phrofayela yomnikazi nenzuzo, ubunjalo ezahlukene isicelo kanye nencwadi ku-ibhange. Yini lokhu elikushoyo umthetho? Regulations uthi uma umnikazi ekuhlonzeni abanikazi ngeke ukutholwa, kuyaqapheleka esiphezulu ilungu lomzimba.

Lokhu emisha kuhloswe ekuboneni amafemu wosuku olulodwa. Ezimweni eziningi, lokhu kuzosetshenziswa amabhizinisi lapho akunakwenzeka ukusungula umnikazi ezuzisayo. Lezi zinhlangano zifaka phakathi okulandelayo:

1) izinkampani engenzi-nzuzo ukuthi akudingeki umnikazi, kodwa abahlomulayo samanje;

2) mutual funds;

3) izinkampani okuhlangene isitokwe ezinabanikazi abaningi, ngamunye okuhambelana izici ezuzisayo.

4) lenkampani, okuyinto yakhiwa amalungu abanamakhamera amafa bemethemba izakhiwo.

Ngamunye (ekhethekile) isigaba wamabhizinisi

Izigaba iqhaza of ubudlelwano, okuyinto ukudalula abanikazi nenzuzo akudingekile ukuba zihlanganisa lezi ezilandelayo:

1) ejensi kahulumeni;

2) neziphathimandla zendawo;

3) Izimali ze-non-kwesabelomali kahulumeni;

4) izinhlangano noma izinkampani zabo dolobha ezingaphezu kuka-50% lamasheya kungokwenkampani Russian Federation, izikhonzi zawo kanye komasipala abahlukahlukene;

5) wamanye amazwe, inhlangano yamazwe ngamazwe noma iziqephu zezombusazwe wamanye amazwe, engabanikazi bephephandaba self-ukuma;

6) izibambiso issuers.

okuhlukile sivunyiwe

Njengomthetho, ukwelapha ulwazi lomuntu siqu sawo wonke umuntu, ibhizinisi noma ibhizinisi liyadingeka kwemvume lakhe elilotshiwe. Nokho, Art. 6 yoMthetho № 152-FZ ku idatha yomuntu siqu sihlinzekela ngezimo lapho imvume ukusebenza kwedatha akudingekile. Lezi zihlanganisa:

1) Izimo ngaphansi izivumelwano zamazwe ngamazwe noma imithetho ukuthi kufezeke izinhloso kushiwo;

2) amandla athile noma imithwalo yemfanelo anikelwe nomthetho we Russian Federation njengoba opharetha.