Isixa-mali ityala lingaphezulu ileta-zesibonelelo roubles
Kwakungekudalanga eyadlulayo, isirussian urhulumente yamkele umgaqo-nkqubo nomthetho kwi bankruptcy okanye insolvency nat. Le nkqubo ezininzi complex amanyatheloKwi-nkqubo we-ukuthathela ingqalelo we-insolvency ye-mmi, ngokungqinelana nomgaqo-mthetho, ukuba oyintloko-mali igosa ukuba bathathe inxaxheba. Yintoni amagunya oko sele kwaye yintoni impembelelo bankruptcy. Kubalulekile hayi efihlakeleyo ukuba abaninzi bethu ukuthatha kwi-bank yemali-mboleko yakho yakwa kuba ngezixhobo ezahlukeneyo ngeenjongo. Amaxesha amaninzi, kukho iimeko ebomini apho repayment ka-ezongezelelweyo ityala uba ukwenzeka. Kuba ixesha elide, ingxaki waba ngaphandle isisombululo - iibhanki sued i-abanamatyala, agents kuba imali ye-mali obandakanyekayo.
Kule meko, ummi ngu wavakalisa bankrupt
Kulo nyaka uphelileyo, imeko itshintshile dramatically: loqoqosho iimpikiswano kuba iinkundla ka-arbitration, iingxelo, umthetho waba sele idlule kwi-bankruptcy okanye insolvency okanye nat. abantu Cela arbitration isigqeba ukubhengeza bankruptcy ingaba ummi ngokwakhe, credit iziko okanye irhafu-ofisi. Ukususela ekudalweni kuka-eli ityala kuya kufuneka ukuba kuphengululwa ngokusesikweni iintsuku ezingama. Isicelo kufuneka enze yoluhlu lweempahla-propati, iikopi amaxwebhu kwi eyenziweyo kwama-ama, isiqinisekiso intlawulo irhafu, ingeniso. Ityala restructuring njengokuba umgaqo-nkqubo ukuba waba ungeniswa emva ukuthathela ingqalelo kwesicelo a isandi umntu. Ukuphunyezwa komgaqo-ipropati kusenokuba bamthwala phandle ukuba ityala restructuring alifumanisanga wanikezela iziphumo. lonke ityala lesi sivumelwano kusenokuba esayiniweyo nangaliphi na iqonga le nkqubo. Oyintloko-mali igosa wonyulwa yindlu inkundla ngoko nangoko emva njalo-aplikeshini ye ummi we-insolvency. Lo mntu kufuneka ahlangane iimfuno Russian umthetho. Kukhokela ulawulo, eliphetheyo ye-bankruptcy inkqubo kwi-epheleleyo - ukususela ingqokelela ka-ulwazi kwi debtor ke ipropati ukuba realization ye-succession - izenzo njengelizwe elizimeleyo qumrhu, nto leyo izisa indawo nganye amaqela ukuba inkqubo. Ngoko ke, oyintloko-mali igosa kwi-bankruptcy ka-abantu ngokupheleleyo uncedo kuzo zonke stages lomgaqo-nkqubo, nto leyo zilandelayo: eneneni, indima yayo kukuba mediate phakathi actors obandakanyekayo kwi-bankruptcy iingxoxo kuba ukuthathela ingqalelo kwaye ukumelwa zabo indawo phambi kokuba inkundla. Ukongeza, i-mali umphathi elawula ubeko izinto kwi-nkqubo we ummi kwaye agrees ukwenza ezahlukeneyo eyenziweyo ngayo ukuze ukuthobela izinto ezichaphazela credit amaziko kwaye debtor. Ilungelo langoku candidates kuba ulawulo abanamatyala kwaye creditors. Njengoko jikelele umthetho, umphathi, ubeke phambili yi-creditors, ikakhulu ukukhusela zabo umdla. Ke ngoko, debtor ngu-iimposiso ukuba ukhethe umphathi, nto leyo iza kwenza zonke iinzame ukuba ikhusele izikhundla zabo. Ngokwasemthethweni kwi bankruptcy, kukho iimeko abe zahlangana yi-mali umphathi. Iimfuno ngala alandelayo: Umphathi kufuneka ube sephepha-mvume kuba nokusebenzisa imisebenzi yabo, nayo njengoko lemfundo ephakamileyo elinolwazi emasimini yezoqoqosho, okanye isemthethweni. ulawulo lomthetho esa kundoqo umsebenzi yi - eyimali ye-insured kuba umonakalo kwi-macala kudala. eyintloko-mali igosa kwi-bankruptcy nat. ekhethiweyo abantu ngokubanzi wenkundla amagosa. Kwi-ingxelo kwi kovavanyo mba ye-bankruptcy ye-ummi ichaza organizations mna-ezigunyazisiweyo zengxelo (SRO) kwaye ethile, umntu lowo uza mthetho njengoko-mali umphathi, kodwa isigqibo egameni lakhe ledinga kuza kwenziwa ngokuthi inkundla. Ngaphandle umbutho mna-umqathango wama-inkqubo engekho kuthathelwe ingqalelo. Togo, abo baya konyulwa, akunakwenzeka ukuba ukubala, ngenxa yokuba umphathi ikhethwe phakathi kwawo onke amalungu umbutho.
Kubalulekile ukuqaphela ukuba ilungelo khetha CPO kwaye candidates nge-sicelo, creditor okanye debtor.
eyintloko-mali igosa kwi-bankruptcy inika iinkonzo kwi intlawulo qho. Ummi ibhengeza bankruptcy, kufuneka ahlawule kuba ezi iinkonzo, kwaye obliged ukwenza isemthethweni idipozithi leyo a vertical, isixa - shumi amabini roubles. Le mali ingaba iindleko umgaqo-nkqubo ngokwawo. Kubalulekile kananjalo kuyimfuneko ukuba kuhlawulelwe ulawulo ababini isixa-mali repaid ityala, okanye proceeds from imali kwi-ikhosi ye-estate kwi-bankruptcy.
E-yomtshutshisi creditors intlanganiso, ubungakanani yomvuzo zibe ukwanda ukuba kuyimfuneko.
imali umvuzo wabo ngu ekhutshwe ngexesha elinye kuphela emva ugqibo ye-bankruptcy ize inzala - emva ugqibo ka-settlements kunye counterparties kwaye unikezelo imali yabo ii-akhawunti. Ukuba ulawulo ifuna ukuba umvuzo we-debtor-ummi kuba zonke iimpahla neenkonzo, ezicingelwa ibe loo izenzo ezingekho mthethweni. Bankruptcy angenza isicelo enkundleni I-federal umthetho kwi bankruptcy ka-yendalo abantu confers a inani amalungelo ulawulo-mali, umzekelo: Oyintloko-mali igosa kwimeko apho bankruptcy ka-physical abantu unelungelo lokufikelela zonke kwimithombo ulwazi asele ngenye indlela enxulumene bankruptcy ye ummi. Olu lwazi luquka ulwazi movable kwaye ungashenxi nempahla yayo, indawo, ngokunjalo amalungelo ipropati kwaye izibophelelo ye-debtor, extracts ukusuka kubhalisa, isiseko sedata. Wabalishumi a ummi ye-bankrupt ibandakanya ulungiselelo enjalo ulwazi kuba ngaphezulu kwi-ubunzulu kovavanyo yi-mlawuli wezemali ngaphakathi elinesihlanu iintsuku ezingama-sicelo. Ukuba ezi nkcukacha azifumaneki kuzo bankruptcy, oyintloko-mali igosa unelungelo buza inkundla. I-debtor ulindeleke ukuba anike ulwazi zonke iinjongo movable kwaye ungashenxi ipropati ebekwe kwi-ayo ipropati. Hiding olu lwazi kwi-mali ulawulo kunye nendalo obstacles yalo komhlaba ibandakanya luxanduva abemi ezilalini. Ukuba umphathi sifumene ulwazi malunga ushishino, inkonzo, bank, okanye naluphi na olunye ulwazi ngoo-ezikhuselweyo ngumthetho, akanako disclose. Ukuba oku kwenzeka, oku kuza iziphumo zasekuhlaleni kunye okanye yolawulo, kwaye kwiimeko ezithile, ulwaphulo-mthetho izohlwayo, kwaye ndiya indemnify kwaye bamba harmless. Susa ethile, umntu owenza izenzo njengoko oyintloko-mali igosa, zibe. Oku kunokwenziwa kwenzeka yi-amaqela amabini kwi-sikhokelo somgaqo-bankruptcy nkqubo, isigqibo ukususa samkelwe ngu inkundla. Kule meko, kukho septemba Eli phulo unako ukuza ukususela umphathi okanye umbutho we mna-regulation. Ngoko ke, i-mali mlawuli - iqhosha nani kwi-bankruptcy a yendalo umntu. Oko sele ufikelelo kuzo zonke iinkcukacha enxulumene ipropati le debtor, ubuxoki zonyaka ngu-mthethweni. Umthetho, imisebenzi oyintloko-mali igosa emiselwe ngumthetho kwi bankruptcy.
Ulawulo - elizimeleyo umntu obandakanyekayo kwi-bankruptcy, enikezela iinkonzo zayo kwi intlawulo qho.
