Yelayisensi imisebenzi yasebhange ekhishwe kufanele balinde isikhathi esingakanani?

Isinqumo ukubhaliswa isimo noma iyiphi inhlangano yezimali yamukelwe Central Bank of Russia. Uma ulwazi mayelana nokuwa yasebhange ifakwa kurejista olulodwa, enesibopho ukwazisa ngazo zonke izinguquko ezenzekayo. Yelayisensi imisebenzi yasebhange ezikhishwa CB.

definition

Okokuqala, ake ucacise kuyini nokuthi "ilayisensi." Ilayisensi kubhekwa imvume ekhethekile esikhishwe iziphathimandla abanekhono, ngesimo nencwadi engokomthetho ngokuqukethwe ethize, ifomu kanye nesikhathi.

Uma sithatha definition ngenhla njengoba base, enezele futhi okukhishwe ezakhini eSahlukweni 2 Banking Act, ukuthola incazelo ilayisensi yokuqhuba imisebenzi yasebhange.

I ilayisensi yokuqhuba imisebenzi yasebhange - ukugunyazwa ekhethekile kusukela Bank of Russia ukuba abantu babulawelwe kuzo imisebenzi yasebhange ngesimo nencwadi engokomthetho egunyaza ukudluliswa kwesokudla isikhungo sezezimali ukwenza esibekiwe imisebenzi therein ýkhasýmende ngaphandle sikhatsi lesitsite.

izinhlobo amalayisense

Ukuze izinhlangano yasebhange izinhlobo esanda etholakalayo yamalayisense, njenge:

• ilayisensi yokuqhuba imisebenzi yasebhange in ruble (ngaphandle ilungelo ukuheha idiphozithi yanoma abantu zemvelo izimali);
• ku kubulawa imisebenzi in ruble futhi currency angaphandle (ngaphandle ikhono imali ngokuba zifakwe sabantu zemvelo);
• ukuheha imali imali kanye nokubekwa amatshe ayigugu (ilayisensi yehlukile ilayisensi ukuba abantu babulawelwe kuzo zokukhokhelwa in imali);
• sokukhulisa izimali abantu ngokuba zifakwe (lwemali kazwelonke);
• sokukhulisa izimali abantu ngokuba zifakwe lwemali kazwelonke angaphandle;
• ku kubulawa imisebenzi in ruble noma nge ngemali nabaphesheya sokubalwa non-yasebhange izikhungo zezimali;
• ku kubulawa imisebenzi in ruble noma nge ngemali kazwelonke angaphandle ngoba zokuhlala ezingekho yasebhange izikhungo zezimali, lapho ukuqhuba idiphozi abolekise imisebenzi.

Yelayisensi imisebenzi yasebhange eyakhishwa:

• ukubandakanywa imali kanye nokubekwa amatshe ayigugu;
• Ukuzibandakanya imali sabantu ngokomzimba lwemali kazwelonke;
• ukuhileleka izimali ezifakwa abantu lwemali kazwelonke angaphandle.

Ilayisensi ahlukene umbono jikelele.

ilayisensi jikelele

layisensi imisebenzi yasebhange ezikhishwa izikhungo zezimali ukuthi ugunyaziwe ukuba abulale bonke imisebenzi kanye ukufeza izidingo zoMthetho Federal ku isamba semali siqu.

Kulokhu, ilayisensi ye nokubekwa izinsimbi eziyigugu ayidingekile ukuthola ilayisensi jikelele. Inhlangano enelayisensi nezimali ngenani ruble ayizigidi ezingu-180, angasungula ngemvume amagatsha Central Bank kanye namahhovisi omele emazweni angaphandle. Futhi, lezi amabhange kungenzeka, ngokuhambisana nezidingo Central Bank ukuze usethe ezingaphansi.

ilayisensi Jikelele imisebenzi yasebhange isebenza esingenamkhawulo zeminyaka.

izimo yokukhipha

Document ingakhishwa kuphela emva ukubhalisa isimo ngokulandelana, okuyinto lihlelwe ngumthetho futhi neziqondiso Central Bank zamukelwa. I ilayisensi yokuqhuba imisebenzi yasebhange kuniketa inkhomba okuyinto lwemali ezosebenza ebhange ukuthi imali abathintekayo kulo iminikelo, kanye kungenzeka ukubeka amatshe ayigugu.

Ukuze yokuthi udaba lokunikezelwa ilayisensi sasibhekwa njengophawu lokuthi eliqinisekisiwe ka-1% inhlokodolobha share. Lezi imali ukuza igadle kwezwakala nasezimalini kwesabelomali sikahulumeni.

Ikhishwe ilayisensi kumele kubonelelwe uhlu namalayisensi. uhlu okunjalo yebhange Russian kufanele ushicilele esasikuyi-Bulletin of the Central Bank of the Russian Federation hhayi ngaphansi ezingaphezu kwesisodwa ngonyaka. Kulokhu, zonke izinguquko abasafufusa kanye nokwengezwa kwenziwe encwadini okubhalwa ngenyanga kungakadluli owodwa kusukela nosuku lokwamukelwa kwabo.

Ilayisensi kumele aqukethe ulwazi mayelana nokusebenza yasebhange lapho lokhu inhlangano yezimali unelungelo, kanye ulwazi mayelana lwemali ngalo ebhange unelungelo ukusebenza. I ilayisensi yokuqhuba imisebenzi yasebhange isebenza i nenani elinganqunyiwe eliku-iminyaka. Ngamanye amazwi, it lilinganiselwe ngesikhathi.

ukusebenza ngaphandle kwelayisensi

Ngokusekelwe yokuthi amalayisensi ngoba ukugcwaliseka iziqinisekiso asebhange esikhishwa Central Bank of Russia, imisebenzi kokuqhuba ngaphandle kwale dokhumenti kuzoholela izinhlawulo kanye nezinhlawulo inani inzuzo inani, okuyinto yatholwa inhlangano umsebenzi. Ngaphezu kwalokho, inhlangano eqhuba ngaphandle kwelayisensi, kuyodingeka ukuba ngikhokhe inhlawulo ngaphezulu kwesabelomali federal kabili ngobukhulu imali oyitholile ngokuhamba umsebenzi.

Izinhlawulo futhi nenhlawulo ekhiqizwa enkantolo ngesikhathi yezembatho umtjhutjhisi namkha Central Bank.

Central Bank inelungelo lokwenza isimangalo ukuhlakazwa kwezinhlangano zomthetho, ezisebenza ngaphandle kwelayisensi futhi ukufeza imisebenzi yezezimali. izinhlangano ezinjalo zokuphatha, civil, zomthetho kanye nomthwalo wemfanelo lobugebengu. Ngesikhathi esifanayo, ukuba athole ilayisensi ukuba aqhube imisebenzi yasebhange, kuyehla kube usuku lokusula yelayisensi.

ekutholeni ilayisensi

Ukuze uthole ilayisense, isikhungo sezimali kufanele ukuqoqa futhi athumele madokumende alandelayo:

1. Isicelo sokubhalisa isimo. Kulesi sitatimende, imininingwane egcwele esikhungweni sezimali kufanele kuboniswe, kanye isigungu, ngawo ungenza ukuxhumana ibhange.
2. Imemorandamu yabangane. Le dokhumenti enikeziwe, uma kudingwa umthetho kahulumeni. Nikeza kudingekile noma yokuqala noma ikhophi yaso eqinisekisiwe.
3. Senhlangano. Kuncike original noma ikhophi yaso eqinisekisiwe.
4. uhlelo Business. Umqondo umsebenzi iyakhiwa futhi ivunyelwe emhlanganweni abasunguli. Lowo Mbhalo wangonyaka we liqukethe ulwazi mayelana ababezobhapathizwa okuthunyelwe ikhanda futhi accountant abakhulu, kanye ukwamukelwa sisekelo. Ukubhala uhlelo yebhizinisi ligxilile neziqondiso CBR.
5. Document eqinisekisa ukukhokhelwa of duty isimo futhi Imali yelayisensi.
6. Imibhalo wokubhaliswa abasunguli. Lezi zihlanganisa i umbono audit ku ukunemba kwezitatimende zezimali olunikezwa isiqinisekiso wokuhlola sentela ekuqalisweni kokuzibophezela ukuba amabhajethi yombuso kanye lendawo iminyaka engu-3.
7. Ukusekela imibhalo emayelana nemvelaphi yezinto izimali ezimisiwe.
8. Amaphrofayli candidates for the isikhundla umphathi, accountant abakhulu, iPhini futhi izikhundla ezifanayo amagatsha inhlangano. Lezi amaphrofayli kumele aqukethe lonke ulwazi olufanele: imininingwane egcwele, isimo sezemfundo (zomthetho noma kwezomnotho) ubuholi nakho ensimini efanayo, isigebengu irekhodi isheke. Izicelo kumele abhalwe ngesandla sakhe siqu.

Bank of the Russian Federation ekulungiseleleni wonke amadokhumenti ayakuphuma irisidi ebhaliwe.

Ukunquma yasebhange Russian

Ukunquma ukubhaliswa wombuso kanye Ukukhishwa kwelayisensi kwenziwa ezinyangeni eziyisithupha emva kosuku kulethwa zonke izincwadi ezidingekayo.

Ngemva ebhange kungeke kwenze isinqumo wokubhaliswa isikhungo sezezimali, ithumela lonke ulwazi ngawo emzimbeni ogunyaziwe, okuzokwenza ulwazi ku uhlu eyodwa izinhlangano ezingokomthetho.

Ngesisekelo isinqumo futhi imibhalo okufakiwe kuze kube umzimba ogunyaziwe zingakapheli izinsuku ezinhlanu ekwenzeni inhlangano esimweni irejista eyodwa izinhlangano ezingokomthetho. Ngosuku olulandelayo, lolu lwazi kufanele banikwe umbiko kute Central Bank. Futhi, yena, ezinsukwini ezingu-3 wabika lolu lwazi abasunguli kwenhlangano.

Ngokulandelayo, abasunguli aphoqelelwe kungakapheli nenyanga ukwenza inkokhelo capital ebhaliswe elingu-100%. Emva kwalokho, isikhungo sezezimali uthola idokhumenti eqinisekisa ukubhaliswa isimo. Ngokushesha ngemva kokubhaliswa isimo inhlangano wakhipha ilayisensi ukuba afeze imisebenzi yasebhange. Kwakuzoba isikhathi eside kangakanani kuyinto? CBR alisho imigomo yelayisensi.

Izikweletu Bank of Russia kuya lokuhoxisa

Bank of Russia revokes ilayisensi uma:

• ukubaluleka share capital kuyehla kube 2%;
• isamba semali siqu isikhungo sezezimali ingezansi embundwini okungenani imali yamasheya Russian Federation ezamukelwe ngu yasebhange ngosuku sokubhalisa isimo inhlangano;
• isikhungo sezezimali engayinaki imfuneko Central Bank on the isilinganiselo ngesilinganiso ukubaluleka nokulingana kanye nokulingana;
• the isikhungo sezezimali ngeke ukuhlangabezana izimangalo abakweletwayo futhi ukufeza izibopho zayo izinkokhelo ayimpoqo.

Izizathu sokuchithwa

I ilayisensi yokuqhuba imisebenzi yasebhange kungenzeka ichithwe uma:

1. Kwakukhona ngezizathu ukukholelwa ukuthi ulwazi olulethwe ngesisekelo okuyinto idokhumenti wakhishwa, kuyakuba ayivumelekile.
2. Qala kwemisebenzi yephuza esingaphezu kosuku olulodwa.
3. Amaqiniso idatha alithembekile.
4. nokubika nyangazonke ibambezeleke izinsuku ezingaphezu kwezingu-15.
5. isikhungo lwezezimali lucwaningo imisebenzi hhayi ebalulwe kwilayisensi.
6. Kuwo lo nyaka, i-isikhungo sezezimali kwephula imithetho ezishiwo yimithetho kahulumeni neziqondiso Central Bank IzE.
7. Waphawula ukwehluleka okuphindaphindiwe ukugcwalisa nezimfuneko eziqanjwe inkantolo icala lokuqoqa izimali.
8. Kukhona isicelo evela kubaphathi zesikhashana esungulwe ngokulandela uMthetho Federal "Ngo ngongakwazi ukukhokha izikweletu weemali."
9. Central Bank uhlulekile ngokuphindaphindiwe ukunikeza ukwaziswa kwamuva kudingekile ekufakweni kwirejista isimo.

Okunye ngezizathu lokukhishwa kwelayisensi kubuyisiwe kuyothathwa ayivumelekile. isinqumo RF Bank ukubuyisa, kuyoqala ukusebenza emva Ukwamukelwa isenzo futhi kungenziwa ukuvusela enyangeni eyodwa kusukela osukwini lokushicilelwa yayo kwiGazethi.

Kwenzekani ebhange ngemuva lokuhoxisa

Yelayisensi imisebenzi yasebhange esikhishwe Central Bank of the Russian Federation, futhi kuhoxiswa. Ngemva lokuhoxisa lenhlangano yezezimali kumele kwavala. Futhi, isikhungo sezezimali emva ukuhoxiswa:

• kuza isikhathi ukusebenza nezibopho;
• okuvimba accrual yenhlawulo ku nezikweletu;
• okwesikhashana umsebenzi imibhalo endaweni survey (ngaphandle imibhalo isigungu esiphetheko zikhishwa ngesisekelo nokuvulwa isikweletu inkokhelo, ukukhokha amaholo, ukondla obushade naye emuva kwesehlukaniso nezinye izinkokhelo) ekhishwe ngesisekelo Isivivinyo kanye isebenza kuze kube ukuhoxiswa esibekelwe ilayisensi;
• imisebenzi kungavunyelwe lenhlangano yezezimali ngesimo nokuhwebelana noma ukusebenza nezibopho (ngaphandle ukuthengiselana mayelana Umbuso kanye nokugcinwa izinkokhelo, kanye inzuzo izinkokhelo) kuze kube yilapho kumiswa ikomidi yimali noma trustee ezikweletini.

ilayisensi ukubuya

isikhungo lwezezimali, lapho Central Bank Ubuyise ilayisensi, bangaphinde isimo inhlangano, okuyinto uqhuba ibhizinisi layo yasebhange. Ngenxa yalesi lokuhoxisa yikomiti yokwahlulela baphikisana yelayisensi. Futhi uma ukuzwa uzokwenza isinqumo esihle, Bank of Russia izobuyisa ilayisensi inhlangano. Futhi kuhle ukuthi uzinake wena ukuthi umkhuba zokwahlulela, izinkinga ezifana ivamile impela, futhi bakhetha amabhange.

Ngaphezu kwalokho, ibhange elikhulu nohlobo ungabuyela ilayisensi isinyathelo yayo siqu. Lokhu kwenzeka emva isikhungo sezezimali kuzolungisa zonke ukwephulwa ezatholakala ngesikhathi kuhlolwa.

elithi kwelayisensi

I ilayisensi yokuqhuba imisebenzi yasebhange sivumelekile, kokuvinjwa ngesikhathi. I isikhungo sezezimali angafeza yonke imisebenzi ebalulwe kwilayisensi kuze kufike leso sikhathi njengoba akuhoxisiwe Central Bank noma yena ngeke ayeke umsebenzi walo.

Ifomu yelayisensi ungenziwa kuphela ukuthola omunye usuku - osukwini lokukhishwa yenhlangano wezimali. Minyaka yonke, Central Bank lucwaningo ukuhlolwa okuhloswe ngaso ukugcwaliseka ebekiwe imisebenzi ilayisensi.