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Amonat chi khel hifz shudaast?

Amonat dar bonkho yakchand qabat baroi bargardonidan ba mizojon hifz karda shudaast:

Har yak qabat bo maqsadi muhayo kardani fazoi kafolat baroi bargardonidani amonathoi mizojoni bonk tashakkul doda meshavad, ki chorabinii mazkur zeri nazorati hukumati kishvar qaror dorad.

depozitQabati yakumi hifzkuni- in meyori kifoyatii sarmoya ast, ki nisbati bonkho talabot az tarafi hukumati kishvar guzoshta shudaast va andozai on dar Tojikiston to  10% (soli 2017), barobar ast. In nishondihanda chi qadare, ki baland boshad hamon qadar mustahakam budani bonkro inikos mekunad.

Qabati duyum – in meyori pardokhtpaziri ast, ki andozai on ba dar bonkhoi Tojikiston ba na kam az 30% (soli 2017) barobar ast. Meyori mazkur chi qadare ki ziyod rioya shavad, hamon qadar az az qudrati bargardonidani amonat ba mizojon shahodat medihad.

Qabati seyum – in hajmi zakhirahoi hatmi ast. YAne dar Bonki millii Tojiksiton yak hajmi muayyani mablag muvofiqi meyori tainshuda az baqiyai amonathoi muhlatnok hisob shuda, nigoh doshta meshavad. Soli 2017-um meyori mazkur bo asori milli ba 3% va bo asori khoriji 9% muayyan karda shudast. Dar holathoi mushkilii moliyavi didan, az  tarafi Bonki millii Tojikiston ba bonke, ki dar bargardonidani amonathoyash muammo dorad az in mablaghoi qablan zakhirakardaash yori medihad.

Qabati chorumin Hazinai sugurtai pasandozhoi shakhsoni voqei, ki  mutobiqi Qonuni Jumhurii Tojikiston, tasis doda shudaast va vazifaash dar himoyai huquq va manfiathoi qonunii pasandozdoron va tahkimi bovarii shahrvandon ba nizomi bonkii Jumhurii Tojikiston meboshad meboshad.

Hazinai mazkur fondi khudro az hisobi bonkho tashakkul doda dar holati muflis shudani in yo on bonk mablagi amonatro az hisobi khud qisman pardokht (bargardonidan) menamoyad. YAne na hammai mablagi pasandoz bargardonida meshavad va nozukii in masala dar Qonuni Jumhurii Tojikiston “Dar borai sugurtai pasandozhoi shakhsoni voqei” darj gardidaast.

Qabati panjum – in kafolati Hukumat (davlat) ast.  Dar baze holatho Hukumat metavonad ba pasandozguzoron kafolat dihad, ki dar holati muflis (bankrot) shudani Bonk masalai bargardonidani amonathoi onho khudi davlat baromad kunad. Ba nazar girift, ki  agar dar holati hukumat ba pardokhti amonathoi bonkhoi muflisshuda sarukor kunad vaqt metalabad va tashvishi ilovagi merasonad.

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