Faoliyati bonkii islomi

QONUNI JUMHURII TOJIKISTON  

Dar borai faoliyati bonkii islomi

(Akhbori Majlisi Olii Jumhurii Tojikiston, s. 2014, №7, q. 2, mod. 405)

Qonuni mazkur asoshoi huquqi va tashkilii faoliyati bonkii islomiro dar Jumhurii Tojikiston muayyan namuda, sharoiti musoidro baroi peshburdi faoliyati bonkii islomi faroham mesozad.

BOBI 1.

MUQARRAROTI UMUMI

Moddai 1. Mafhumhoi asosi

Dar Qonuni mazkur mafhumhoi asosii zerin istifoda meshavand:

– nizomi bonkii Jumhurii Tojikiston – Bonki millii Tojikiston va tashkilothoi digari qarzii dar Jumhurii Tojikiston faoliyatkunanda;

– faoliyati bonkii islomi – az jonibi tashkilothoi qarzii islomi anjom dodani amaliyoti bonkii islomi va ahdhoe, ki dar Qonuni mazkur peshbini gardidaast;

– prinsiphoi mablagguzorii islomi – amali namudani faoliyati bonkii islomi bo rioyai standarthoe, ki ba meyorhoi huquqii islomi asos yofta, nisbat ba khizmatrasonihoi bonki tatbiq megardand;

– standarthoi faoliyati bonkii islomi – majmui qoidahoe, ki SHuroi mashvaratii khizmatrasonii bonkii islomi maqul donista, az jonibi Bonki millii Tojikiston tasdiq shudaand va tibqi onho tashkilothoi qarzii islomi faoliyati bonkii islomiro anjom medihand;

– tashkilothoi qarzii islomi – shakhsoni huquqie (bonkhoi islomi, tashkilothoi qarzii gayribonkii islomi, tashkilothoi mablagguzorii khurdi islomi, az jumla «ravzanai bonkii islomi»), ki dar asosi ijozatnomai Bonki millii Tojikiston hama yo baze az amaliyoti bonkii islomii dar Qonuni mazkur peshbinishudaro ijro menamoyand;

– tashkilothoi qarzii ananavi – shakhsoni huquqie (bonkho, tashkilothoi qarzii gayribonki, az jumla tashkilothoi mablagguzorii khurd), ki dar asosi ijozatnomai Bonki millii Tojikiston hama yo baze az amaliyoti bonkii dar Qonuni mazkur va digar sanadhoi qonunguzorii Jumhurii Tojikiston  peshbinishudaro ijro menamoyand;

– bonki islomi – tashkiloti qarzii islomie, ki dar asosi ijozatnomai Bonki millii Tojikiston ba faoliyati bonkii islomi mashgul meboshad;

– tashkilothoi qarzii gayribonkii islomi – tashkilothoi qarzii islomie, ki huquqi ijroi baze az amaliyoti bonkii islomiro dorand. Nomgui amaliyoti bonkii islomiro baroi tashkilothoi qarzii gayribonkii islomi Qonuni mazkur va Bonki millii Tojikiston muqarrar menamoyand;

– tashkilothoi mablagguzorii khurdi islomi – tashkilothoi qarzii islomie, ki dar asosi ijozatnomai Bonki millii Tojikiston ba faoliyati mablagguzorii khurdi islomi mashgul meboshand. Andozai mablagguzorii khurdi islomi az jonibi Bonki millii Tojikiston muqarrar karda meshavad;

– ravzanai bonkii islomi – filiali tashkiloti qarzii ananavi, ki dar asosi ijozatnomai Bonki millii Tojikiston purra yo qisman amaliyoti bonkii islomiro amali menamoyad;

– filial – vohidi makhsusi sokhtorii tashkiloti qarzii islomi, ki berun az mahalli joygirshavii on qaror doshta, az nomi on purra yo qisman faoliyati bonkii islomiro ijro menamoyad va bo tashkiloti qarzii islomi sarmoyai oinnomavi va tavozuni yagona dorad;

– filiali bonki islomii khoriji – vohidi makhsusi sokhtori, ki az jonibi bonki islomii khoriji baroi anjom dodani faoliyati bonkii islomi dar Jumhurii Tojikiston tasis doda shudaast;

– tashkiloti qarzii farii islomi – tashkiloti qarzie, ki ziyoda az panjoh foizi sahmiyahoi (hissai) ovozdihandai on ba tashkiloti qarzii digari islomi taalluq dorad;

– jamiyati kholdingii tashkiloti qarzii islomi – shakhsi huquqie, ki tashkiloti qarzii islomi ba on taalluq dorad yo az jonibi on nazorat karda meshavad;

– jamiyati vobasta – shakhsi huquqie, ki tashkiloti qarzii islomiro nazorat mekunad, hamchunin shakhsi huquqii digare, ki az tarafi on  nazorat karda meshavad, az jumla shakhsi huquqie, ki mutobiqi sanadhoi meyorii huquqii Bonki millii Tojikiston ba in guruh dokhil meshavad;

– namoyandagi – vohidi makhsusi sokhtorii tashkiloti qarzii islomi, ki berun az mahalli joygirshavii on qaror doshta, manfiathoi onro hifz va namoyandagi mekunad, vale huquqi ijro namudani faoliyati bonkii islomiro nadorad;

– SHuroi mashvaratii khizmatrasonii bonkii islomi – maqome, ki  faoliyati tashkilothoi qarzii islomii dar asosi prinsiphoi mablagguzorii islomi amalkunandaro tanzim menamoyad;

– Kumitai khizmatrasonii mablagguzorii islomi – maqomi tashkiloti qarzii islomi, ki baroi mutobiq budani sozishnomahoi (shartnomahoi) bastashudai onho ba standarthoi faoliyati bonkii islomi masul meboshad;

– kormandoni rohbarikunanda – raisi tashkiloti qarzii islomi va muovinoni u, raisi Rayosat va azoi digari on, sarmuhosibi tashkiloti qarzii islomi, rohbar va sarmuhosibi filiali tashkiloti qarzii islomi, rohbar va sarmuhosibi «ravzanai bonkii islomi» va filiali bonki islomii khoriji;

– shakhsi vobasta – shakhsoni zerin dar nazar doshta meshavand:

a) kormandi rohbarikunanda;

b) azoi oilai kormandi rohbarikunanda;

v) shakhs va azoi oilai u, ki dar tashkiloti qarzii islomi hissai ishtiroki afzaliyatnok dorand va shakhsi huquqie, ki dar on shakhs yo kormandi rohbarikunanda doroi hissai ishtiroki afzaliyatnok meboshad;

g) shakhsi huquqie, ki dar on tashkiloti qarzii islomi hissai ishtiroki afzaliyatnok doshta, hangomi omodasozii hisoboti moliyavii majmui ba inobat girifta nameshavad;

d) shakhse, ki ba tashkiloti qarzii islomi ba sifati uzvi Kumitai khizmatrasonii mablagguzorii islomi khizmat merasonad;

– rezident – shakhsi voqei yo huquqie, ki mutobiqi Qonuni Jumhurii Tojikiston «Dar borai tanzimi asor va nazorati asor» ba hamin sifat etirof shudaast;

– gayrirezident – shakhsi voqei yo huquqie, ki rezident nest;

– forfeyting – mablagguzorii ahdhoi tijorati bo rohi bahisobgirii vekselho biduni uhdadorii furushanda;

– faktoring – mablagguzori tahti guzasht kardani talaboti puli;

– tratta (vekseli intiqoli) – hujjati az jonibi tashkiloti qarzii islomi (yo az nomi on) peshnihod karda shuda, ba pulhoi naqd barobar karda meshavad va nametavonad biduni pardokht yo farmoishi khattii kreditor ba qarzdor oid ba pardokhti mablagi muayyan ba shakhsi seyum bargardonida shavad va badi az jonibi qarzdor girifta shudani hujjati mazkur etibor paydo mekunad;

– nizomi kliring – nizomi hisobbarobarkunii gayrinaqdi va baynibonki, ki ba talabot va hisobi  uhdadorihoi pardokhti mutaqobilai puli asos yoftaast;

– shakhsi az nigohi kasbi bosalohiyat va boetimod – shakhsi voqeie, ki:

a) bo hukmi sud baroi sodir kardani jinoyathoi qasdonai (az jumla khususiyati korrupsioni doshta) ba amalhoi dini yo siyosii u aloqamand nabuda az ozodi mahrum nashuda boshad;

b) az tarafi sud dar davomi haft soli okhir muflis etirof nashuda boshad;

v) az tarafi sud baroi kirdori ba amalhoi dini yo siyosii u aloqamand nabuda az huquqi ishgoli mansabhoi muayyan yo mashgul shudan ba faoliyati muayyan mahrum nashuda boshad;

– surathisobi sarmoyaguzori – surathisobe, ki tavassuti on tashkiloti qarzii islomi mablaghoi puliro bo maqsadi sarmoyaguzori mutobiqi prinsiphoi mablagguzorii islomi biduni ba zimma giriftani uhdadorii purra bargardonidani mablag qabul menamoyad, ba sharte ki:

a) tanho foida yo foidavu zarar mutobiqan dar bayni shakhsi mablagdihanda va tashkiloti qarzii islomii mablaggiranda taqsim karda shavad;

b)  on bo pardokht yo be pardokht boshad;

– qarzi islomi – mablage, ki az jonibi tashkiloti qarzii islomi ba mushtari mutobiqi prinsiphoi mablagguzorii islomi doda shuda, metavonad sharthoi pardokhti mablagi asosi, foida, ijora yo haqqi khizmatrasoniro dar bar girad yo biduni on;

– amonat yo pasandozhoi islomi – mablagi puli va sarvathoi digari shakhsoni voqei va huquqi, ki baroi nigoh doshtan ba tashkiloti qarzii islomi bo sharti pardokhti purra bo foida yo biduni on, ba sohibi amonat yo namoyandai on, bo darkhost yo ba muhlathoi muvofiqashuda bo namudhoi zerin va bo rioyai prinsiphoi mablagguzorii islomi doda meshavand:

a) amonati muhlatnok – mablaghoi pulii ba tashkiloti qarzii islomi dodashuda, ki onhoro tashkiloti qarzii islomi metavonad bo ijozati amonatguzor yo bo ikhtiyori khud bo sharthoi idorakunii bovarinok ba sifati mablaghoi sarmoyaguzori istifoda namoyad. In mablagho badi tamom shudani muhlati peshbininamudai shartnoma metavonand girifta shavand;

b) amonati pasandozi – mablaghoi pulie, ki ba tashkiloti qarzii islomi baroi nigahdori bo huquqi istifoda burdani onho baroi maqsadhoi sarmoyaguzori supurda shudaand. Giriftani in mablagho hangomi rioya shudani sharthoi peshbininamudai shartnoma ijozat doda meshavad;

v) amonati darkhosti – mablaghoi pulii ba tashkiloti qarzii islomi dodashuda, ki metavonand har vaqt az tarafi amonatguzor girifta shavand;

g) nigohdorii amonati – nigohdorii doroihoi mushtari az jonibi tashkiloti qarzii islomi be huquqi istifodai onho;

d) amonati sarmoyaguzori – mablaghoi puli, ki az jonibi mushtari ba tashkiloti qarzii islomi dar shakli amonat bo huquqi istifodai onho az rui sharthoi peshbinikardai shartnoma doda shudaand;

– daromad yo foida – vobasta ba mafhumhoi «qarzi islomi», «surathisobi sarmoyaguzori» va «amonat yo pasandozhoi islomi» shaklhoi gunoguni daromad, dividend yo foida, renta (izofabaho), inchunin haqqi khizmatrasoni yo tuhfae, ki ba tashkiloti qarzii islomi pardokhta yo az jonibi on doda meshavand;

– vakolati nazorat az boloi shakhsi huquqii digar – vakolathoi shakhse, ki:

a) ba tavri mustaqim yo gayrimustaqim, tavassuti yak yo yakchand shakhsi molik, nazoratkunanda yo dorandai 25 foiz yo beshtar az on sahmiyahoi ovozdihanda va yo hissahoi shakhsi huquqi boshad;

b) imkoniyati intikhobi aksariyati rohbaroni shakhsi huquqiro doshta boshad;

v) doroi vakolati nazoratii digare boshad, ki Bonki millii Tojikiston muayyan kardaast;

– hissai ishtiroki afzaliyatnok – hissai ishtiroki bevosita yo bavositai shakhse, ki mustaqilona yo tavassuti yagon shakhs yo yakjoya bo yak yo yakchand shakhsoni doroi ziyoda az 10 foizi sarmoyai oinnomavi yo sahmiyahoi ovozdihandai tashkiloti qarzii islomi meboshad yo hissai ishtiroki afzaliyatnoke, ki onro Bonki millii Tojikiston muayyan kardaast;

– meyorhoi maqbul – meyorhoi iqtisodie, ki az jonibi Bonki millii Tojikiston bo maqsadi tanzimi faoliyati tashkilothoi qarzii islomi muqarrar gardida, rioyai onho az jonibi tashkilothoi qarzii islomi hatmi meboshad;

– auditi beruni – sanjishi mustaqilonai bahisobgirii muhosibi va hisoboti muhosibi (moliyavi), ki az jonibi auditori vatani yo khoriji guzaronida meshavad;

– ijora – az tarafi tashkiloti qarzii islomi bo darkhosti mushtari ba dast ovardani tajhizot yo molu mulki digar va ba muhlati muayyan ba ijora (kiroya) dodani on.

 

Moddai 2. Qonunguzorii Jumhurii Tojikiston dar borai faoliyati bonkii islomi

Qonunguzorii Jumhurii Tojikiston dar borai faoliyati bonkii islomi ba Konstitutsiyai (Sarqonuni) Jumhurii Tojikiston asos yofta, az Qonuni mazkur, digar sanadhoi meyorii huquqii Jumhurii Tojikiston, inchunin sanadhoi huquqii baynalmilalie, ki Tojikiston onhoro etirof namudaast, iborat meboshad.

Moddai 3. Doirai amali Qonuni mazkur

1. Amali Qonuni mazkur nisbat ba hamai bonkho, tashkilothoi qarzii gayribonki va tashkilothoi mablagguzorii khurde, ki baroi amali namudani faoliyati bonki mutobiqi prinsiphoi mablagguzorii islomi asosyofta ijozatnomai Bonki millii Tojikistonro dorand, tatbiq megardad.
2. Amali Qonuni mazkur nisbat ba inho tatbiq namegardad:

– maqomoti davlati;

– tashkilothoi qarzie, ki baroi amali namudani faoliyati bonkii islomi ijozatnoma nadorand;

– ittifoqhoi qarzie, ki faoliyati khudro dar asosi Qonuni Jumhurii Tojikiston «Dar borai ittifoqhoi qarzi» amali menamoyand;

– tashkiloti tijoratie, ki tashkiloti qarzi nest.

Moddai 4. Amaliyoti bonkii islomi va digar ahdhoi tashkiloti  qarzii islomi

1. Ba amaliyoti bonkii islomi, ki tashkilothoi qarzii islomi anjom doda metavonand, taalluq dorand:

1) jalb namudan va giriftani amonati islomi, pasandozi islomi yo peshburdi surathisobi sarmoyavii shakhsoni voqei yo huquqi;

2) kushodan va khizmatrasonii surathisobi mushtari (baroi amonati islomi, pasandozi islomi yo surathisobi sarmoyavi), surathisobi murosilotii bonkho va tashkilothoi qarzii gayribonki va inchunin surathisobi bonkho baroi amaliyot bo metallu sanghoi qimatbaho;

3) amaliyothoi kassavi: qabul, az nav hisob kardan, ivaz namudan, mubodila, bastan va nigoh doshtani pulhoi kogazi va tangaho;

4) amaliyothoi intiqoli: ijroi khizmatrasonihoi intiqoli baroi intiqoli mablagi shakhsoni voqei yo  huquqi;

5) amaliyothoi bahisobgiri: ba hisob giriftani vekselho va digar kogazhoi qimatbahoi shakhsoni voqei va huquqi;

6) mablagguzorii tijorat: dodani qarzi islomi dar shakli naqdi yo mablagguzorii islomi (taminshuda, taminnashuda), az jumla biduni mahdudiyati:

– mablagguzorii istemoli hamchun qarzi istemoli, ipoteki va baynibonki;

– faktoring;

– forfeyting;

7) mablagguzorii islomi baroi sarmoyaguzorii asosi dar asosi farmoishi  sarmoyaguzor;

8) amaliyoti ba bovari asosyofta: idorakunii mablaghoi puli (kogazhoi qimatnok) ba manfiati molik va dar asosi farmoishi on;

9) khizmatrasonii fosilavii bonki, kliringi, hisob-barobarkuni va intiqoli marbut ba vositahoi puli, kogazhoi qimatnok, suporishnomahoi pardokht va vositahoi digari pardokht (az jumla korthoi pardokhti bonki, chekho, chekhoi safari va vekselho);

10) amaliyothoi seyfi: khizmatrasoniho oid ba bekhatar nigoh doshtan va khizmatrasonihoi amonati va idorakunii hisobot, hujjat va doroihoi mushtariyon, az jumla ba ijora giriftani quttivu khonahoi seyfi, nigohdorii doroiho (pul, kogazhoi qimatnok, metallho, masnuoti zargari va digar doroiho);

11) garavguzori: dodani qarzhoi kutohmuddat bar ivazi garavi kogazhoi qimatnoki mubodilashavanda va molikiyati manqule, ki hamchun pasandoz istifoda meshavad;

12) dodani tratta;

13) jam kardan, qabul, pardokht va tasdiqi hujjathoi pardokht, kushodan va tasdiq namudani etibornomahoi tijorati;

14) dodani kafolati bonki, az jumla kafolat va etibornomaho az nomi khud va az nomi mushtariyon;

15) barorishi vositahoi pardokht, az jumla korthoi pardokhti bonki, chek, chekhoi safari, uhdadorihoi qarzi va digar vositahoi pardokht;

16) qabul namudani inkassatsiya  va firistodani pulhoi kogazi, tangaho va ashyoi qimatbaho;

17) ahdho oid ba mubodilai asor;

18) kharidu furushi vositahoi zerin az hisobi  khud yo mushtariyon:

– vositahoi bozorii pul, az jumla chek, veksel, uhdadorinomaho va tasdiqnomahoi pasandoz;

– asori khoriji;

– sahmiyaho va digar kogazhoi qimatnoki intiqolshavanda;

– qarordodhoi forvardi, sozishnomai svop, fyuchers, opsion va digar hosilahoe, ki ba asor, sahmiya, vombarg, metallu sanghoi qimatbaho yo qurbu meyorhoi mablagguzorii islomi dakhl dorand;

19)  amaliyothoi digare, ki az amaliyothoi dar moddai mazkur zikrshuda barmeoyand va bo sanadhoi meyorii huquqii Bonki millii Tojikiston peshbini shudaand va ba prinsiphoi mablagguzorii islomi muqobil nameboshand.

2. Tartibi anjom dodani amaliyothoi bonkii islomi bo standarthoi faoliyati bonkii islomi muayyan megardad.
3. Bonki millii Tojikiston ba tashkilothoi qarzii islomi baroi anjom dodani amaliyothoi bonkii islomi, ki dar qismi 1 moddai mazkur peshbini gardidaand, ijozatnoma medihad. Ijozatnoma baroi anjom dodani namudhoi faoliyati dar qismi 1 moddai mazkur peshbinigardida ba tashkiloti qarzii islomi bad az baqaydgirii davlati tibqi tartibi muqarrargardida doda meshavad.
4. Tashkilothoi qarzii islomi, gayr az amaliyoti bonkii islomii dar qismi 1 moddai mazkur nombarshuda, huquq dorand ahdhoi zerinro amali namoyand:

– dodani zamonat, ki ijroi uhdadorihoi puliro dar nazdi shakhsi seyum peshbini menamoyad;

– ijorai moliyavi (lizing);

– amaliyot bo metallu sanghoi qimatbaho mutobiqi qonunguzorii Jumhurii Tojikiston;

– khizmatrasoni ba sifati agenti moliyavi;

– khizmatrasoni ba sifati mushovir yo maslihatgari moliyavi;

– khizmatrasonii ittilootii moliyavi va qarzi.

5. Tashkilothoi qarzii islomi huquqi ijro namudani tanho amaliyothoi zerini savdoro dorand:

– amaliyote, ki ba faoliyati bonkivu moliyavii islomii dar qismhoi 1 va 5 moddai mazkur darjgardida muvofiq ast;

– faoliyate, ki muvofiqi prinsiphoi mablagguzorii islomi talab karda meshavad;

– amaliyote, ki ba sharthoi dar sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrarshuda javobgu ast.

Moddai 5. Hususiyati faoliyati tashkilothoi qarzii islomi

1. Tashkilothoi qarzii islomi vazifadorand ba mushtariyon khususiyathoi amaliyoti bonkii ba prinsiphoi mablagguzorii islomi asosyofta va khavfhoi ba on aloqamandro sharh dihand.
2. Tashkilothoi qarzii islomi huquq nadorand:

– dar shakli foiz mukofotpuli sitonand;

– bargardondani amonati sarmoyaguzori yo daromad az rui onro kafolat dihand;

– mablagguzorii (qarzdihii) faoliyatero, ki ba istehsol va (yo) savdoi tamoku, mahsuloti spirti, siloh va lavozimoti jangi, qimorbozi, muomiloti gayriqonunii mavodi nashador va prekursorho vobasta meboshad, anjom dihand;

– digar namudhoi faoliyati sohibkoriro, ki mablagguzorii (qarzdihii) on muvofiqi prinsiphoi mablagguzorii islomi man shudaast, anjom dihand.

3. Tashkilothoi qarzii islomi pesh az peshnihodi vositahoi puli ba mushtariyon uhdadorand:

– bovari hosil namoyand, ki mushtari uhdadorihoyashro dar muhlati muqarrarshuda ijro menamoyad;

– qobiliyati faoliyat va pardokhtpazirii mushtari, foidanokii loiha, mavjudiyati taminoti garavro hamatarafa baho dihand.

4. Tashkilothoi qarzii islomi ishtirokchii nizomi sugurtai hatmii amonatho nameboshand va amonatho dar tashkilothoi qarzii islomi az rui nizomi sugurtai amonatho kafolat doda nameshavand.
5. Talaboti qonunguzorii Jumhurii Tojikiston oid ba tanzimi hududi ishtirok dar sarmoyai oinnomavi hangomi az jonibi onho ba dast ovardani sahmiyaho (hissai ishtirok) bo maqsadi mablagguzorii istehsolot va faoliyati savdoi shakhsoni huquqi nisbat ba tashkilothoi qarzii islomi tatbiq namegardad.

Moddai 6. Munosibathoi bayni tashkiloti qarzii islomi va davlat

1. Tashkiloti qarzii islomi va davlat az rui uhdadorihoi hamdigar javobgar nameboshand, ba istisnoi holathoe, ki agar onho chunin uhdadorihoro qabul karda boshand.
2. Tashkiloti qarzii islomi va Bonki millii Tojikiston az rui uhdadorihoi hamdigar javobgar nameboshand, ba istisnoi holathoe, ki agar onho chunin uhdadorihoro qabul karda boshand.
3. Maqomoti hokimiyati davlati huquq nadorand ba faoliyati tashkilothoi qarzii islomi dakholat namoyand.

Moddai 7.  Ittihodiyahoi (assosiatsiyahoi) tashkilothoi qarzii islomi

1. Tashkilothoi qarzie, ki dar asosi prinsiphoi mab-lagguzorii islomi faoliyat menamoyand, bo maqsadi himoyai manfiathoi khud metavonand ittihodiyaho (assosiatsiyaho) tasis dihand.
2. Tashkilothoi qarzie, ki dar asosi prinsiphoi mab-lagguzorii islomi faoliyat menamoyand, metavonand tavassuti ittihodiyaho (assosiatsiyaho) faoliyati khudro hamohang sozand, ba robitahoi bayni tashkilothoi qarzii vatani va khoriji musoidat namoyand, dastovardhoi mutaqobilai ilmi, ittilooti va kasbiro dastrasi hamdigar gardonand, ba Hukumati Jumhurii Tojikiston, Bonki millii Tojikiston va digar maqomoti davlati oid ba faoliyati bonkii islomi tavsiyaho peshnihod namoyand.

BOBI 2.

TARTIBI TASIS VA IJOZATNOMADIHI BA TASHKILOTI QARZII ISLOMI

Moddai 8. Tartibi tasis va baqaydgirii davlatii tashkiloti qarzii islomi

1. Tashkiloti qarzii islomi dar hududi Jumhurii Tojikiston mutobiqi tartibi muqarrarkardai Qonuni Jumhurii Tojikiston «Dar borai jamiyathoi sahomi», Qonuni Jumhurii Tojikiston  «Dar borai jamiyati doroi masuliyati mahdud» va digar sanadhoi meyorii huquqii Jumhurii Tojikiston bo nazardoshti muqarraroti Qonuni mazkur tasis doda meshavad.
2. Baroi tasisi tashkiloti qarzii islomi, filial yo namoyandagii on dar Jumhurii Tojikiston va taini kormandoni rohbarikunandai onho rozigii maqomoti ijroiyai mahallii hokimiyati davlati talab karda nameshavad.
3. Bonkhoi islomi, ba istisnoi bonki davlatii islomi, dar shakli jamiyati sahomi tasis doda meshavand.
4. Baqaydgirii davlatii tashkilothoi qarzii islomi, filialho va namoyandagihoi onho mutobiqi Qonuni Jumhurii Tojikiston «Dar borai baqaydgirii davlatii shakhsoni huquqi va sohibkoroni infirodi» surat megirad.
5. Tashkiloti qarzii islomi dar Jumhurii Tojikiston boyad inhoro doshta boshad:

– nomi rasmi va ikhtisorshudai on, ki ba shakli tashkiliyu huquqii tashkiloti qarzi ishora mekunad;

– nomgui faoliyati on, ki ba zaboni davlati va yake az zabonhoi khoriji sabt shudaast;

– muhr bo zikri nomi tashkiloti qarzi ba zaboni davlati va yake az zabonhoi khoriji.

Moddai 9. Nom va ramzi tashkiloti qarzii islomi

1. Tashkiloti qarzi, ki faoliyati khudro dar asosi prinsiphoi mablagguzorii islomi amali mekunad, huquq dorad dar nomgui khud kalimai «islomi»-ro istifoda namoyad. Nom va ramzi tashkiloti qarzi, ki prinsiphoi mablagguzorii islomiro istifoda menamoyand, metavonand tanho baroi amali namudani faoliyati bonkii islomi istifoda shavand.
2. Kalimahoi «tashkiloti qarzii islomi», «bonki islomi», «tashkiloti qarzii islomii gayribonki», «tashkiloti mablagguzorii khurdi islomi» yo kalimahoe, ki dar har shakl az onho sokhta meshavand, nametavonand nisbat ba faoliyat yo khizmatrasoni be ijozatnomai Bonki millii Tojikiston istifoda shavand, ba istisnoi holathoe, ki istifodai onhoro qonunguzorii Jumhurii Tojikiston yo sanadhoi huquqii baynalmilalii etirofnamudai Tojikiston ijozat dodaand yo dar matne, ki kalimayu iborahoi nombarshuda istifoda shudaand, faoliyati bonkii islomi dar nazar doshta nashavad.

Moddai 10. Ijozatnomadihi ba faoliyati bonkii islomi

1. Faoliyati bonkii islomi dar Jumhurii Tojikiston dar asosi ijozatnoma baroi anjom dodani faoliyati bonkii islomi (minbad – ijozatnoma) amali megardad.
2. Mutobiqi Qonuni mazkur Bonki millii Tojikiston huquq dorad barhamdihii har shakhsi huquqiero, ki faoliyati bonkii islomiro be ijozatnoma amali mekunad, talab namoyad.
3. Ijozatnoma mutobiqi qonunguzorii Jumhurii Tojikiston, az jumla Qonuni mazkur az jonibi Bonki millii Tojikiston doda meshavad.
4. Bonki millii Tojikiston huquq dorad faoliyati bonkii islomiro be ijozatnoma muvofiqi Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» ba roh monad.
5. Tashkilothoi qarzii islomi az lahzai giriftani ijozatnoma huquqi ogoz kardani faoliyati bonkii islomiro paydo menamoyand.
6. Tashkilothoi qarzii ananavi metavonand ba tashkilothoi qarzii islomi tabdil doda shavand. Tartibi tabdildihii tashkiloti qarzii ananavi ba tashkiloti qarzii islomi tibqi qonunguzorii Jumhurii Tojikiston va sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar karda meshavad.
7. Tashkilothoi qarzii islomi nametavonand ba tashkilothoi qarzii ananavi tabdil doda shavand.
8. Tashkilothoi qarzii islomi, ki dar natijai tabdildihii tashkilothoi qarzii ananavi tashkil karda shudaand, metavonand faoliyati bonkii islomi yo namudhoi alohidai onro badi giriftani ijozatnomai Bonki millii Tojikiston ogoz kunand.
9. Tashkilothoi qarzii ananavi baroi anjom dodani faoliyati bonkii islomi dar doirai «ravzanai bonkii islomi» vazifadorand, ki ijozatnomai Bonki millii Tojikistonro baroi ogoz kardani faoliyati bonkii islomi girand. Tashkiloti qarzii ananavi, ki baroi anjom dodani faoliyati bonkii islomi ijozatnoma giriftaast, boyad dar saridora bakhshi dakhldor yo berun az mahalli joygirshavii saridora filial kushoyad.
10. Rozigi baroi ogozi faoliyat ba filialhoi tashkilothoi qarzii islomii khoriji tanho dar holate doda meshavad, ki tashkiloti qarzii islomii asosii on az jonibi maqomoti dakhldori davlate, ki in tashkiloti qarzii islomi dar on joygir ast, zeri tanzim va nazorati majmuii bonki qaror doshta boshad.
11. Tashkilothoi qarzii islomii fari va filialhoi tashkilothoi qarzii islomii khoriji tibqi talaboti nisbat ba tashkilothoi qarzii islomii vatani muqarrarnamudai Qonuni mazkur tahti tanzim va nazorat qaror megirand.
12. Bonki millii Tojikiston metavonad baroi tashkiloti qarzii islomii fari va filialhoi tashkiloti qarzii islomii khoriji oid ba ijro kardani faoliyati bonkii islomi mahdudiyatho muqarrar namoyad, agar dar davlathoi dakhldori khoriji nisbat ba tashkilothoi qarzii fari va filialhoi tashkilothoi qarzii vatanii islomi chunin mahdudiyatho peshbini shuda boshand.

Moddai 11. Hujjathoe, ki baroi giriftani ijozatnoma zarurand

1. Tashkiloti qarzii islomi, ba istisnoi tashkiloti mablagguzorii khurdi islomi va «ravzanai bonkii islomi», pesh az baqaydgirii davlati va giriftani ijozatnoma boyad ba Bonki millii Tojikiston darkhost, hujjatho va malumoti zerinro ba zaboni davlati peshnihod namuda, khulosai peshakii Bonki millii Tojikistonro girad:

1) nuskhai az tarafi notarius tasdiqkardashudai hujjathoi tasisi bo nishon dodani mablagi elonshudai sarmoyai oinnomavi;

2) malumotnoma bo zikri nasab, nom va nomi padar, shahrvandi, joyi istiqomati doimi, faoliyat yo kasb, tahsilot, malumoti mufassal oid ba sobiqai korii har yak kormandi rohbarikunanda;

3) nuskhai hujjat dar borai tahsiloti olii iqtisodii kormandoni rohbarikunanda, hamchunin nuskhai hujjat (sertifikat, diplom) dar borai doshtani tahsilot dar sohai faoliyati bonkii islomi;

4) nuskhai hujjati tasdiqkunandai az nigohi kasbi bosalohiyat va boetimod budani har yak kormandi rohbarikunanda;

5) malumotnoma bo zikri nasab, nom va nomi padar, shahrvandi, joyi istiqomati doimi, faoliyat yo kasbi moliki hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii hissai ishtiroki afzaliyatnok, ki vazi moliyavii onhoro tasdiq mekunad.

6) malumotnoma oid ba manbai qonunii mablaghoi pulii ba sarmoyai oinnomavi voridshavanda;

7) nuskhai hisoboti moliyavii shakhsi huquqi-moliki hissai ishtiroki afzaliyatnok doir ba se soli okhir bo khulosai auditi beruni;

8) ruykhati sahmiyadoron va manfiatdoroni nihoii sahmiyaho, ki nishonii mahalli joygirshavi va miqdori sahmiyahoro dar bar megirad;

9) elomiyai khatti az jonibi har yak moliki hissai ishtiroki afzaliyatnok va kormandi rohbarikunanda oid ba muflis nabudan, nadoshtani dogi sudi va mahdudiyat dar faoliyati kasbi;

10) naqshai faoliyat bo nazardoshti maqsadu namudhoi faoliyat, tavsifi sokhtori tashkili va nizomi nazorati dokhili, az jumla, tadbirhoi dakhldor baroi muboriza bar ziddi qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, inchunin durnamoi hisoboti tavozuni, daromadu kharojot va gardishhoi puli doir ba se soli oyandai faoliyat;

11) baroi har yak moliki hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii chunin hissai ishtiroki afzaliyatnok, ruykhati shakhsoni huquqie, ki ishtiroki onho dar sarmoyaashon vujud dorad, bo nishon dodani hissa va mahalli joygirshavii onho;

12) malumot dar borai tasisi Kumitai khizmatrasonii mablagguzorii islomi dar sokhtori tashkiloti qarzii islomi va dar borai shakhsone, ki ba hayati Kumitai khizmatrasonii mablagguzorii islomi shomil shudaand, bo zikri doroi donishu malaka dar sohai huquqi islomi va faoliyati bonkii islomi budani onho;

13) malumot oid ba mahalli joygirshavii saridora va mahalli digari voqe dar Jumhurii Tojikiston yo berun az on, ki dar on jo faoliyati bonkii islomi amali karda meshavad;

14) hujjati tasdiqkunandai pardokhti haqqi khizmati barrasii darkhost;

15) hujjat dar khususi on ki maqomi nazorati bonkii kishvare, ki bonki khorijii (asosii) yo jamiyati kholdingii tashkiloti qarzii islomi dar on joy tasis yofta, faoliyat mekunad, ba anjomdihii faoliyati bonkii islomii tashkiloti qarzii islomi dar Jumhurii Tojikiston mukholifat nadorad va nazorati majmuii bonkii darkhostkunandaro amali mesozad.

2. Tashkiloti mablagguzorii khurdi islomi baroi giriftani ijozatnoma boyad ba Bonki millii Tojikiston darkhost, hujjatho va malumoti zerinro ba zaboni davlati peshnihod namoyad:

1) darkhost;

2) nuskhai az tarafi rohbari tashkiloti mablagguzorii khurdi islomi tasdiqkardashudai hujjathoi tasisi va shahodatnomai baqaydgirii davlatii tashkiloti mablagguzorii khurdi islomi;

3) malumot dar borai kormandoni rohbarikunanda bo zikri nasab, nom va nomi padar, shahrvandi, joyi istiqomati doimi,  tahsilot, takhassus, sobiqai kori, nadoshtani dogi sudi az rui jinoyathoi iqtisodi va khususiyati korrupsionidoshta va mahdudiyat dar faoliyati kasbi;

4) nuskhai shahodatnomai baqaydgirii davlatii muassison baroi shakhsoni huquqi va raqami mushakhkhasi andozsuporanda baroi shakhsoni voqei;

5) nuskhai hisoboti moliyavii muassison – shakhsoni huquqi doir ba faoliyat dar soli okhir bo khulosai auditi beruni;

6) malumotnomai maqomi vakolatdor oid ba ijroi uhdadoriho dar nazdi bujeti davlati doir ba faoliyat dar soli okhir;

7) malumotnoma oid ba qonuni budani manbai mablaghoi pulii ba sarmoyai oinnomavi pardokhtshavandai muassison – baroi shakhsoni voqei bo tartibi muqarrarnamudai qonun;

8) ruykhati sahmiyadoron (ishtirokchiyon) va manfiatdoroni nihoii sahmiyaho (hissaho) bo zikri nishoni va miqdori sahmiyahoi (hissahoi) onho;

9) naqshai kori bo nazardoshti maqsadu namudhoi faoliyat, tavsifi sokhtori tashkili va nizomi nazorati dokhili, durnamoi hisoboti tavozuni, daromadu kharojot va gardishhoi puli baroi se soli faoliyati minbada (ba istisnoi fondi qarzii khurdi islomi);

10) malumot dar borai tashkili Kumitai khizmatrasonii mablagguzorii islomi dar sokhtori tashkiloti mablagguzorii khurdi islomi bo zikri doroi malakayu donish budan dar sohai huquq va faoliyati bonkii islomi;

11) malumot dar borai mahalli joygirshavi;

12)  hujjati pardokhti haqqi khizmati barrasii darkhost.

3. Bonki millii Tojikiston bo maqsadi barrasii darkhost baroi purragardonii malumothoi qismhoi 1 va 2 moddai mazkur metavonad malumoti ilovagi talab namoyad.

Moddai 12. Tartibi dodani ijozatnoma ba tashkilothoi qarzii islomi

1. Bonki millii Tojikiston dar davomi se moh az ruzi qabuli darkhost dar borai dodani ijozatnoma ba tashkiloti qarzii islomi dar khususi ba talaboti Qonuni mazkur javobgu budan yo nabudani hujjathoi peshnihodshuda khulosai khudro medihad. Darkhosti tashkiloti qarzii ananavi baroi kushodani «ravzanai bonkii islomi» va giriftani ijozatnoma dar muddati yak moh barrasi karda meshavad.
2. Bo maqsadi tahiyai khulosa Bonki millii Tojikiston hujjathoi peshnihodshudaro sanjida, metavonad az tashkiloti qarzii islomi, maqomoti digari davlati va maqomoti dakhldori nazoratii khoriji malumoti ilovagii zaruriro talab namoyad.
3. Dar surati musbat budani khulosa Bonki millii Tojikiston dar muddati yak moh az sanai peshnihodi darkhost baroi giriftani ijozatnoma ba tashkiloti qarzii islomi ijozatnoma medihad. Bonki millii Tojikiston metavonad sharthoi dodani ijozatnomaro muayyan va badan tagyir dihad yo bekor namoyad. To muayyan kardani sharthoi ijozatnoma Bonki millii Tojikiston metavonad ba tavri khatti dar khususi tasmimi khud dar borai in guna iqdom nisbat ba tashkiloti qarzii islomi khabar doda, ba tashkiloti qarzii islomi baroi dar davomi chordah ruz peshnihod kardani asosnokkuni oid ba bekor kardan yo tagyir dodani sharthoi ijozatnoma imkoniyat dihad.
4. Dar holathoi istisnoi Bonki millii Tojikiston metavonad muhlati dar qismi 1 moddai mazkur peshbinishudaro to du mohi digar tamdid namoyad, ba sharte ki tashkiloti qarzii islomii darkhostkunandaro dar in khusus bo zikri sababi chunin takhir khabardor namoyad.
5. Dar surati manfi budani khulosa Bonki millii Tojikiston ba tashkiloti qarzii islomi va tashkiloti qarzii ananavii darkhostkunanda dar khususi radkunii dodani ijozatnoma bo zikri sababhoi on ba tavri khatti javob medihad. Dar hamai holatho darkhostkunanda baroi bargardonidani haqqi khizmati barrasii darkhost huquq nadorad.
6. Bonki millii Tojikiston vazifador ast hangomi barrasii darkhost baroi giriftani ijozatnoma istifodai nomi tashkiloti qarzii islomiro man namoyad, agar chunin nom to in vaqt dar Fehristi sabti tashkilothoi qarzi mavjud boshad.
7. Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud talabotero, ki hangomi barrasii darkhostho baroi giriftani ijozatnoma istifoda mebarad, muayyan va nashr menamoyad.
8. Bonki millii Tojikiston dar borai dodani ijozatnoma ba tashkilothoi qarzii islomi bo darnazardoshti asoshoi zerin qaror qabul menamoyad:

1) qonuni, etibornok va daqiq budani malumot va hujjathoe, ki darkhostkunanda peshnihod kardaast;

2) qanoatbakhsh budani vazi moliyavi va faoliyati sahmiyadoroni darkhostkunanda;

3) ba talaboti shakhsoni az nazari kasbi bosalohiyat javobgu budani molikon, shakhsoni doroi hissai ishtiroki afzaliyatnok va kormandoni rohbarikunanda;

4) ba shartu talaboti ijozatnomavi mutobiq budani sokhtor va hayati kormandon, zakhirahoi jorivu moliyavi va tashakkuli sarmoyai tashkiloti qarzii islomii darkhostkunanda baroi ijroi uhdadorihoi baroi ijozatnomadihi zarur;

5) maqbul budani amaliyoti dar oinnoma nishondodashuda;

6) voqei budani naqshai faoliyat;

7) tasmimi tashkiloti qarzii islomi dar khususi faoliyat dar Jumhurii Tojikiston bo surogai doimi;

8) amali shudani darajai maqbuli mushohida va nazorat az jonibi maqomoti nazorati khoriji dar asosi majmui.

9. Bad az qabuli qaror dar borai dodani ijozatnoma tashkiloti qarzii islomii darkhostkunanda dar muddati yak moh az tarikhi qabuli qarori mazkur mablagi boqimondai sarmoyai oinnomaviro vorid namuda, haqqi khizmati dodani ijozatnomaro ba surathisobhoi dakhldor dar Bonki millii Tojikiston pardokht mekunad. Badi az jonibi tashkiloti qarzii islomi ijro shudani sharthoi mazkur Bonki millii Tojikiston dar muddati se ruzi kori ba vay ijozatnoma medihad.
10. Qarori Bonki millii Tojikiston oid ba dodani ijozatnoma dar nashriyai on intishor megardad.
11. Tashkiloti qarzii islomi minbad dar khususi hama guna tagyirot, ki ba hujjathoi baroi giriftani ijozatnoma peshnihodshuda dakhl dorand, Bonki millii Tojikistonro khabardor mekunad.

Moddai 13. Filial va vohidhoi digari sokhtorii tashkiloti qarzii islomii vatani

1.Tashkiloti qarzii islomii vatani baroi ogozi faoliyati filialhoi khud boyad rozigii khattii Bonki millii Tojikistonro girad. Bo in maqsad on ba Bonki millii Tojikiston hujjatho va malumoti zerinro peshnihod menamoyad:

– nuskhai qarori maqomi vakolatdori tashkiloti qarzii islomii vatani dar borai tasisi filial;

– nuskhai bo muhr va imzoi rohbari tashkiloti qarzii islomii vatani tasdiqgardidai nizomnomai filial bo zikri nomgui amaliyothoi bonkii islomii ba filial ijozatdodashuda;

– malumoti mufassal dar borai kormandoni rohbari-kunandai filial mutobiqi talaboti Qonuni mazkur.

2. Masalai dodani rozigi baroi ogozi faoliyati filiali tashkiloti qarzii islomii vatani az jonibi Bonki millii Tojikiston dar davomi yak moh barrasi karda meshavad.
3. Anjom dodani faoliyati tashkiloti qarzii islomii vatani ba vositai filial dar holathoi zerin man karda meshavad:

– ba talaboti takhassusi javobgu nabudani nomzadho ba vazifai kormandoni rohbarikunandai filial;

– muvofiq nabudani binoho va tajhizoti filial ba talaboti sanadhoi meyorii huquqii Bonki millii Tojikiston;

– az jonibi tashkiloti qarzii islomi rioya nagardidani talaboti Qonuni mazkur, sanadhoi meyorii huquqii Bonki millii Tojikiston va digar meyorhoi maqbul.

4. Tashkiloti qarzii islomii vatani dar khususi bastani filialhoi khud dar Jumhurii Tojikiston boyad Bonki millii Tojikistonro dar muddati 10 ruz pas az qabuli qaror khabardor namoyad.
5. Tashkiloti qarzii islomii vatani va filialhoi on metavonand bo tartibi muqarrarnamudai Bonki millii Tojikiston berun az mahalli voqegardidai khud vohidhoi digari sokhtori (markazhoi khizmatrasonii bonkii islomi, nuqtahoi intiqoli pul va nuqtai mubodilai asor) tasis dihand.
6. Vohidhoi sokhtorii mazkur metavonand az nomi tashkilothoi qarzii islomii vatani amaliyoti alohidai bonkii islomiro, ki nomgui on bo sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar karda shudaast, ijro namoyand.

Moddai 14. Tasisi filiali bonki islomii khoriji

1. Bonki islomii khoriji baroi ogozi faoliyati filialhoi khud dar Jumhurii Tojikiston boyad rozigii khattii Bonki millii Tojikistonro girad.
2. Bonki islomii khoriji darkhosti khudro baroi giriftani rozigi dar shakli khatti ba zaboni davlati, bo zamimai hujjathoi zerin ba Bonki millii Tojikiston peshnihod menamoyad:

1) qarori bonki islomii khoriji oid ba tasisi filial dar Jumhurii Tojikiston, hujjathoi baqaydgiri bo nishon dodani mahalli joygirshavii bonki islomii khoriji va filiale, ki kushodani on dar nazar ast;

2) nuskhai bo muhr va imzoi rohbari bonki islomii khoriji tasdiqgardidai nizomnomai filial bo zikri nomgui amaliyothoi bonkii islomii ba filial ijozatdodashuda;

3) malumotnoma bo zikri nasab, nom va nomi padar, millat, shahrvandi, joyi istiqomati doimi, faoliyat yo kasb, tahsilot, malumoti mufassal oid ba sobiqai korii har yak kormandi rohbarikunanda;

4) nuskhai hujjat dar borai doroi tahsiloti olii iqtisodi budani kormandoni rohbarikunanda;

5) ruykhati sahmiyadoron va manfiatdoroni nihoii sahmiyahoi bonki islomii khoriji bo nishon dodani mahalli joygirshavi, miqdori sahmiyaho va nuskhai hujjathoi baqaydgirii sahmiyadoron;

6) nuskhai hisoboti moliyavii se soli okhiri bonki islomii khoriji bo khulosai auditori;

7) hujjati tasdiqkunanda oid ba muflis nabudan, nadoshtani dogi sudi va mahdudiyat dar faoliyati kasbii kormandi rohbarikunanda;

8) naqshai faoliyat, ki maqsadhoi kori va namudhoi faoliyat, tavsifi sokhtori tashkili va nizomi nazorati dokhili, az jumla tadbirhoi dakhldor baroi peshgirii qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, inchunin durnamoi surathisobhoi tavozuni, surathisobhoi daromadu kharojot va gardishhoi puli baroi 3 soli minbadai faoliyatro dar bar megirad;

9) hujjati pardokhti haqqi khizmati barrasii darkhost;

10) rozigii khattii maqomi nazorati bonkii khorijii davlate, ki dar on bonki islomii khoriji tasis yoftaast, baroi dar Jumhurii Tojikiston tasis dodani filial, inchunin rozigii maqomi dakhldor jihati anjomdihii nazorati bonkii majmuii faoliyati bonki islomii khoriji;

11) kafolati maqomi olii idorakunii bonki islomii khoriji jihati judo kardani mablagi zaruri baroi ijroi uhdadorii filial, ki az amaliyoti bonkii islomii dar ijozatnoma peshbinishuda barmeoyad. Navi asor va joyi nigohdorii mablagi chunin kafolat az jonibi Bonki millii Tojikiston muayyan karda meshavand.

3. Bonki millii Tojikiston metavonad dar holathoi zaruri malumot va hujjathoi dar qismi 2 moddai mazkur peshbininashudaro niz talab namoyad.
4. Darkhost dar borai dodani rozigi baroi ogozi faoliyati filiali bonki islomii khoriji az tarafi Bonki millii Tojikiston dar muhlati du moh az sanai peshnihodi on barrasi karda meshavad.

Moddai 15. Tasis dodani «ravzanai bonkii islomi» dar tashkiloti qarzii ananavi

1. Tashkiloti qarzii ananavi baroi tasis dodani «ravzanai bonkii islomi» va giriftani ijozatnoma boyad ba Bonki millii Tojikiston hujjathoi zerinro ba zaboni davlati peshnihod namoyad;

1) darkhost;

2) nuskhai tasdiqshudai oinnoma bo tagyiru ilovahoi voridshuda, ki masalahoi anjom dodani faoliyati bonkii islomiro muayyan mesozad, bo nishon dodani hissai sarmoyai oinnomavie, ki baroi anjom dodani faoliyati bonkii islomi ravona shudaast;

3) hujjati tasdiqkunandai tasisi «ravzanai bonkii islomi», ki baroi anjom dodani faoliyati bonkii islomi muqarrar shudaast;

4) malumot dar borai tasisi Kumitai khizmatrasonii mablagguzorii islomi dar sokhtori tashkiloti qarzi;

5) malumot dar borai shakhsone, ki ba hayati Kumitai khizmatrasonii mablagguzorii islomi vorid shudaand bo zikri doroi donishu malaka dar sohai huquqi islomi va faoliyati bonkii islomi budani onho;

6) hujjati tasdiqkunandai pardokhti haqqi khizmati barrasii darkhost.

2. Tashkiloti qarzii ananavi bad az giriftani ijozatnomai Bonki millii Tojikiston huquqi amali namudani faoliyati bonkii islomiro tavassuti «ravzanai bonkii islomi»  paydo mekunad.
3. Tashkiloti qarzii ananavi baroi ogozi faoliyati har yak «ravzanai bonkii islomi»-i khud rozigii Bonki millii Tojikistonro megirad. Bo in maqsad ba Bonki millii Tojikiston hujjatho va malumoti zerinro peshnihod namoyad:

1) nuskhai qarori maqomoti dakhldori tashkiloti qarzii ananavi oid ba tasisi «ravzanai bonkii islomi»;

2) nuskhai bo muhr va imzoi rohbari tashkiloti qarzii ananavi tasdiqgardidai nizomnomai «ravzanai bonkii islomi» bo zikri nomgui amaliyothoi bonkii islomii ijozatdodashuda;

3) malumotnoma bo nishon dodani nasab, nom va nomi padar shahrvandi, joyi istiqomati doimi, faoliyat yo kasb, tahsilot, malumoti mufassal oid ba sobiqai korii har yak kormandi rohbarikunandai «ravzanai bonkii islomi»;

4) nuskhai hujjat dar borai doshtani tahsiloti olii iqtisodii kormandoni rohbarikunandai «ravzanai bonkii islomi», hamchunin nuskhai hujjat (sertifikat, diplom) dar borai doshtani tahsilot dar sohai faoliyati bonkii islomi;

5) malumot oid ba mahalli joygirshavii «ravzanai bonkii islomi» dar Jumhurii Tojikiston, ki dar on jo faoliyati bonkii islomi amali karda meshavad.

4. Bonki millii Tojikiston baroi ogozi faoliyati «ravzanai bonkii islomi»-i tashkiloti qarzii ananavi dar holathoi zerin rozigi namedihad:

1) ba talaboti takhassusi javobgu nabudani nomzadho ba vazifai kormandoni rohbarikunandai «ravzanai bonkii islomi»;

2) muvofiq nabudani bino va tajhizoti «ravzanai bonkii islomi» ba talaboti sanadhoi meyorii huquqii Bonki millii Tojikiston;

3) az jonibi tashkiloti qarzii ananavi rioya nagardidani talaboti qonunho, sanadhoi meyorii huquqii Bonki millii Tojikiston va meyorhoi maqbul.

5. Tashkiloti qarzii ananavi dar khususi bastani «ravzanai bonkii islomi» boyad Bonki millii Tojikistonro dar muddati dah ruz az sanai qabuli qaror dar in bora  khabardor namoyad.

Moddai 16. Tasisi namoyandagii tashkiloti qarzii islomii khoriji

1. Tashkiloti qarzii islomii khoriji baroi kushodani namoyandagi dar hududi Jumhurii Tojikiston boyad rozigii Bonki millii Tojikistonro girad.
2. Tashkiloti qarzii islomii khoriji baroi giriftani rozigi boyad bo zamimai hujjathoi zerin ba zaboni davlati ba Bonki millii Tojikiston darkhosti khatti peshnihod kunad:

– qarori maqomoti dakhldori tashkiloti qarzii islomii khoriji dar borai kushodani namoyandagi dar Jumhurii Tojikiston;

– tasdiqi khattii maqomoti nazorati bonkii davlate, ki dar on tashkiloti qarzii islomii khorijii darkhostkunanda baroi ijroi amaliyoti bonkii islomi ijozatnoma dorad.

3. Darkhost dar borai dodani rozigi baroi kushodani namoyandagii tashkiloti qarzii islomii khoriji az tarafi Bonki millii Tojikiston dar muhlati yak moh barrasi karda meshavad.

Moddai 17. Hususiyati tasisi filial, namoyandagi va bonki farii tashkiloti qarzii   islomi berun az Jumhurii Tojikiston

1. Tashkiloti qarzii islomii vatani be giriftani rozigii peshakii Bonki millii Tojikiston nametavonad berun az Jumhurii Tojikiston filial, namoyandagi yo bonki fari tasis dihad.
2. Tashkiloti qarzii islomi baroi giriftani rozigii peshaki ba Bonki millii Tojikiston nuskhai qarori maqomoti dakhldori khudro dar borai tasisi filial, namoyandagi, bonki fari berun az Jumhurii Tojikiston va taini rohbaroni onho peshnihod menamoyad.
3. Tashkilothoi qarzii islomi doir ba har guna tagyirot vobasta ba mahalli joygirshavi yo qati faoliyati filial, namoyandagi yo bonki farii khud Bonki millii Tojikistonro dar muddati dah ruz az sanai qabuli qaror khabardor menamoyand.

Moddai 18. Fehristi tashkilothoi qarzii islomi va «ravzanahoi bonkii islomi»

1. Bonki millii Tojikiston Fehristi tashkilothoi qarzii islomi va «ravzanahoi bonkii islomi» (minbad-Fehrist)- ro pesh mebarad.
2. Dar Fehrist malumoti zerin darj megardad: nom, mahalli joygirshavi, raqami shahodatnomai baqaydgirii davlatii tashkiloti qarzii islomi va tashkiloti qarzii ananavi, sanai dodan va bekorshavii on, raqami ijozatnoma, sanai dodan va bozkhondi on.
3. Dar Fehrist, agar onro Bonki millii Tojikiston zarur shumorad, malumoti digari ilovagi niz darj karda meshavad.
4. Nomguyi tashkilothoi qarzii islomi va «ravzanahoi bonkii islomi», ki nom, mahalli joygirshavi va namudi ijozatnomaro dar bar megirad, az jonibi Bonki millii Tojikiston har sol dar mohi yanvar dar vositahoi akhbori omma nashr karda meshavad.
5. Hama guna tagyirote, ki ba nomguyi tashkilothoi qarzii islomi va «ravzanahoi bonkii islomi» dar davomi sol vorid karda meshavand, az jonibi Bonki millii Tojikiston muntazam dar vositahoi akhbori omma nashr megardand.

Moddai 19. Haqqi khizmat va khiroji ijozatnomadihi

Bonki millii Tojikiston baroi barrasii darkhost oid ba giriftani ijozatnoma haqqi khizmat va khiroji zerinro mesitonad:

1) az bonkhoi islomi:

– baroi barrasii darkhost oid ba giriftani ijozatnoma – 50 nishondihanda baroi hisobho;

– baroi dodani ijozatnoma – 100 nishondihanda baroi hisobho;

2) az tashkilothoi gayribonkii islomi:

– baroi barrasii darkhost oid ba giriftani ijozatnoma – 25 nishondihanda baroi hisobho;

– baroi dodani ijozatnoma – 50 nishondihanda baroi hisobho;

3) az tashkilothoi mablagguzorii khurdi islomi:

– baroi barrasii darkhost oid ba giriftani ijozatnoma:

– az tashkilothoi amonatii qarzii khurdi islomi – 7 nishondihanda baroi hisobho;

– az tashkilothoi qarzii khurdi islomi – 5 nishondihanda baroi hisobho;

– az fondhoi qarzii khurdi islomi – 3 nishondihanda baroi hisobho;

– baroi dodani ijozatnoma:

– az tashkilothoi amonatii qarzii khurdi islomi – 40 nishondihanda baroi hisobho;

– az tashkilothoi qarzii khurdi islomi – 20 nishondihanda baroi hisobho;

– az fondhoi qarzii khurdi islomi – 10 nishondihanda baroi hisobho;

4)  az tashkilothoi qarzii ananavi:

– baroi barrasii darkhost oid ba giriftani ijozatnoma – 25 nishondihanda baroi hisobho;

– baroi dodani ijozatnoma – 50 nishondihanda baroi hisobho.

 

Moddai 20. Barhamdihii tashkiloti qarzii islomi

 

Tashkiloti qarzii islomi tibqi muqarraroti Qonuni Jumhurii Tojikiston «Dar borai barhamdihii tashkilothoi qarzi» barham doda meshavad.

 

Moddai 21. Bozkhondi ijozatnoma

 

1. Ijozatnomai mutobiqi Qonuni mazkur dodashuda metavonad tanho bo qarori Bonki millii Tojikiston dar asosi yak yo yakchand sababhoi zerin bozkhond shavad, agar:

1) tashkiloti qarzii islomi dar davomi 12 moh az ruzi etibor paydo kardani ijozatnoma ba faoliyati bonkii islomi mashgul nashuda boshad yo ziyoda az 6 moh faoliyatashro qat karda boshad;

2) amaliyoti az jonibi tashkiloti qarzii islomi ijroshavanda khavfnok va yo beasos boshad;

3) tashkiloti qarzii islomi talaboti qonunho, sanadhoi meyorii huquqii Bonki millii Tojikiston yo hama guna shartu talaboti ijozatnomaro vayron kunad, ki in ba ustuvorii moliyavii vay tasiri nazarras rasonad;

4) tashkiloti qarzii islomi, bonki islomii khoriji yo jamiyati kholdingii tashkiloti qarzii islomi, ki bonkho va tashkiloti qarzii gayribonkii islomi jamiyati farii onho meboshand, dar sodir namudani jinoyat, az jumla qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm ishtirok namuda boshand yo az ijozatnoma mahrum shuda boshand;

5) ijozatnomai tashkiloti qarzii islomii khoriji yo jamiyati kholdingii tashkiloti qarzii islomi (, ki tashkiloti qarzii islomi jamiyati farii on meboshad) dar kishvare, ki tasis yoftaast, bozkhond shudaast;

6) dar guzaronidani nazorati bonki bo sababi purra yo qisman ba kishvari digar kuchonida shudani tashkiloti qarzii islomi moneaho paydo shavand;

7) bo sababi azoi guruhi jamiyatho budani tashkiloti qarzii islomi yo bo sababi on ki tashkiloti qarzii islomi jamiyati farii bonki islomii khoriji yo jamiyati kholdingii tashkiloti qarzii islomi buda, dar kishvari tasisyoftaash ba tavri qobili qabul nazorat karda nameshavad, ba guzaronidani nazorati bonki moneaho paydo mekunad;

8) maqomi khorijii nazoratii tashkiloti qarzii islomii khoriji yo jamiyati kholdingii tashkiloti qarzii islomi, ki tashkilothoi qarzii islomi va tashkiloti qarzii islomii gayribonkii jamiyati farii onho meboshand, baroi tashkiloti qarzii islomii khoriji yo jamiyati kholdingii tashkiloti qarzii islomi mudiri muvaqqati yo barhamdihandaro tain karda boshad.

2. Bonki millii Tojikiston vazifador ast dar holathoi zerin ijozatnomai tashkiloti qarzii islomiro bozkhond namoyad:

– agar muayyan gardad, ki ijozatnoma dar asosi hujjathoi qalbaki yo malumoti bardurug girifta shuda boshad;

– dar digar holathoe, ki Qonuni Jumhurii Tojikiston «Dar borai barhamdihii tashkilothoi qarzi» peshbini namudaast.

3. Qarori Bonki millii Tojikiston dar borai bozkhondi ijozatnoma mutobiqi moddai mazkur dar shakli khatti barovarda shuda, asoshoero dar bar megirad, ki az rui onho qaror qabul shudaast.
4. Qaror az jonibi Bonki millii Tojikiston favran dar ruzi qabuli on ba tashkiloti qarzii islomi doda meshavad. Qaror dar ruzi ba tashkiloti qarzii islomi supurdani on etibor paydo mekunad, agar dar qaror muhlati digari etibor paydo kardan muqarrar nagardida boshad, ki on az 30 ruz ziyod buda nametavonad.
5. Talabi ijroi in qaror nisbat ba tashkiloti qarzii islomii khoriji az jonibi filial yo namoyandagii on, ki qaror ba vay irsol shudaast, ijro karda meshavad.
6. Bozkhondi ijozatnoma ba gayr az asoshoe, ki dar Qonuni mazkur zikr gardidaand, man ast.
7. Qaror dar borai bozkhondi ijozatnoma az jonibi Bonki millii Tojikiston dar davomi yak hafta az ruzi qabuli on dar vositahoi akhbori omma nashr karda meshavad.

 

BOBI 3.

SARMOYA

 

Moddai 22. Sarmoyai tashkilothoi qarzii islomi

 

1. Sarmoyai oinnomavii tashkilothoi qarzii islomi bo puli milli tashkil karda meshavad.
2. Haddi aqali sarmoyai oinnomavi baroi tashkiloti qarzii islomii navtasis az jonibi Rayosati Bonki millii Tojikiston bo puli milli muqarrar megardad.
3. Qarori Rayosati Bonki millii Tojikiston dar borai tagyir dodani haddi aqali sarmoyai oinnomavii tashkiloti qarzii islomi pas az 90 ruzi intishori rasmii on mavridi amal qaror doda meshavad.
4. Baroi tashkilothoi qarzii islomii navtasis – bonkho yo tashkilothoi qarzii gayribonkii islomi talaboti haddi aqali sarmoyai oinnomavi, ki dar ruzi ba Bonki millii Tojikiston vorid shudani darkhost dar borai giriftani ijozatnoma amal menamoyad, tatbiq megardad.
5. Sarmoyai tashkiloti qarzii gayribonkii islomi va tashkiloti mablagguzorii khurdi islomi, ki baroi giriftani maqomi bonki islomi ba Bonki millii Tojikiston murojiat namudaand, boyad az andozai haddi aqali sarmoyai oinnomavie, ki baroi bonki islomii navtasis dar ruzi ba Bonki millii Tojikiston vorid shudani darkhost dar borai giriftani ijozatnoma amal menamoyad, kam naboshad.
6. Tartibi hisobi sarmoyai tanzimshavanda va qismhoi tarkibii onro Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud mutobiqi standarthoi etirofshudai baynalmilalii nazorati khizmatrasonihoi moliyavii islomi muqarrar menamoyad.
7. Tashkiloti qarzii islomi (ba istisnoi tashkiloti qarzii islomii davlati) nametavonad sarmoyai khudro az hisobi vositahoi bujeti davlati, fondhoi gayridavlatii bujeti, granthoi ba Hukumati Jumhurii Tojikiston dodashuda, vositahoi jalbshuda va qarzi tashkil va purra namoyad.
8. Tashkiloti qarzii islomi nametavonad daromadi sofi khudro hamchun sudi (dividendi) sahmiya bayni sahmiyadoroni (ishtirokchiyon) khud taqsim namoyad:

– agar in guna amal boisi rioya nashudani meyori kifoyatii sarmoya gardad;

– to pushonidani hamai kharojoti marbut ba tasisyobii khud.

 

Moddai 23. Meyori doroihoi sofi dokhili baroi filialhoi bonkhoi islomii khoriji

 

Bonki millii Tojikiston baroi filialhoi bonkhoi islomii khorijii dar Jumhurii Tojikiston faoliyatkunanda meyori barziyodii doroiho nisbat ba uhdadorihoyashonro dar nazdi rezidentho muqarrar menamoyad.

 

BOBI 4.

IDORAKUNII TASHKILOTHOI QARZII ISLOMI

 

Moddai 24. Maqomoti idorakunii tashkiloti qarzii islomi

 

1. Tartibi tasis va faoliyati maqomoti idorakunii tashkiloti qarzii islomi bo Qonuni Jumhurii Tojikiston «Dar borai jamiyathoi sahomi», Qonuni Jumhurii Tojikiston «Dar borai jamiyati doroi masuliyati mahdud» va digar sanadhoi qonunguzorii Jumhurii Tojikiston bo nazardoshti muqarraroti Qonuni mazkur muayyan karda meshavad.
2. Idorakunii tashkiloti qarzii islomi az jonibi maqomoti zerin amali megardad:

– maqomi olii idorakunii tashkiloti qarzii islomi – Majlisi umumii sahmiyadoron (ishtirokchiyon), maqomi olii idorakunii fondi qarzii khurdi islomi – SHuroi parastoron;

– maqomi idorakuni – SHuroi noziron, ki az jonibi majlisi umumii sahmiyadoron (ishtirokchiyon) tasis doda meshavad;

– Kumitai khizmatrasonii mablagguzorii islomi, ki az jonibi SHuroi noziron (SHuroi parastoron) mutobiqi oinnoma tasis doda meshavad;

– maqomi ijroiya az jonibi SHuroi noziron tasis doda meshavad.

3. Maqomoti idorakunii tashkiloti qarzii islomii davlati va vakolathoi onhoro Hukumati Jumhurii Tojikiston bo nazardoshti Qonuni mazkur muayyan menamoyad.
4. SHuroi noziron dar mashvarat bo Kumitai khizmatrasonii mablagguzorii islomi samthoi asosii faoliyati tashkiloti qarzii islomiro muayyan namuda, baroi nazorati tatbiqi on masul meboshad va idorakunii onro nazorat menamoyad. SHuroi nozironi tashkiloti qarzi doroi vakolathoi zerin meboshad:

1) muayyan namudani hadafhoi tashkiloti qarzii islomi va durnamoi on;

2) muqarrar namudani standarthoi idorakunii khavfho va haddi aqali meyorhoi maqbuli dokhili;

3) muayyan namudani khavfhoi asosie, ki tashkiloti qarzii islomi duchori onho megardad va muqarrar kardani haddi joizi in khavfho;

4) nazorati tadbirhoe, ki maqomoti ijroiyai tashkiloti qarzii islomi baroi oshkor, andozagiri, monitoring va nazorati khavfho meandeshand;

5) nigahdorii nizomi muvofiqu bosamari nazorati dokhili, inchunin monitoringi samarabakhshi nizomi nazorati dokhilii az tarafi maqomoti ijroiyai tashkiloti qarzii islomi amalishavanda;

6) muqarrar namudani siyosati dokhili va sarmoyaguzori, nizomi nazorati dokhili va meyorhoi akhloq;

7) maqul donistani ba vazifa tain va az vazifa ozod kardani azoi Rayosat va kormandoni rohbarikunandai tashkiloti qarzii islomi (ba istisnoi tashkilothoi mablagguzorii khurd) bo peshnihodi rais yo raisi Rayosati tashkiloti qarzii islomi, ba istisnoi rohbar va sarmuhosibi filiali tashkiloti qarzii islomi;

8) tasdiqi sokhtori tashkili va taini rohbari sokhtori auditi dokhilii (sarauditori) tashkiloti qarzii islomi;

9) muayyan kardani shartho va andozai muzdi mehnati rais, muovinoni u va sarauditori tashkiloti qarzii islomi;

10) taini azo, muayyan kardani shartho va andozai muzdi mehnati azoi Kumitai khizmatrasonii mablagguzorii islomi;

11) tasis va barhamdihii filialho va namoyandagihoi tashkiloti qarzii islomi;

12) barrasii natijahoi audit va sanjishi dokhiliyu beruni.

5. Hayati SHuroi noziron nametavonad kamtar az panj nafar boshad. Azoi SHuroi noziron ba muhlati 4 sol dar Majlisi umumii sahmiyadoron intikhob megardand. Azoi SHuroi noziron metavonand dar davrahoi minbada az nav intikhob shavand.
6. Azoi SHuroi noziron metavonand az hisobi sahmiyadoron (ishtirokchiyon), az jumla muassison va mutakhassison – korshinosoni davatshuda, ki doroi tahsiloti oli buda, shakhsoni az nigohi kasbi bosalohiyat va boetimod meboshand, intikhob gardand. SHuroi noziron az bayni azoi khud raisi SHuroro intikhob menamoyad.
7. Azoi SHuroi noziron nametavonand:

1) dar yagon tashkiloti qarzii ananavi yo tashkiloti qarzii islomii digar, ba istisnoi jamiyati vobasta, kor kunand;

2) azoi oilai uzvi SHuroi nozironi tashkiloti qarzii ananavi yo tashkiloti qarzii islomi boshand;

3) uzvi SHuroi noziron yo sahmiyadori (ishtirokchii) digar tashkiloti qarzii ananavi yo tashkiloti qarzii islomi boshand;

4) rais yo uzvi Rayosati digar tashkiloti qarzii ananavi yo tashkiloti qarzii islomi boshand;

5) khizmatchii davlati boshand (ba istisnoi tashkilothoi qarzii islomii davlati);

6) sinnashon az si kam boshad.

8. Na kamtar az chor yak hissai azoi SHuroi noziron boyad dar nizomi bonki sobiqai korii ziyoda az sesola doshta boshad.
9. Azoi SHuroi noziron, ki dar yagon vazifa kor mekunand yo sohibi molu mulk meboshand va bayni uhdadoriho yo manfiathoi  onho mustaqiman yo gayrimustaqim barkhurd ba miyon meoyad, dar in bora onho dar majlisi SHuroi noziron  izhori aqida mekunand. Dar in holat onho az ovozdihi yo ishtirok dar qabuli qarori SHuroi noziron to vujud doshtani barkhurdi manfiatho khuddori menamoyand.

 

Moddai 25. SHuroi mashvaratii khizmatrasonii bonkii islomi

 

1. SHuroi mashvaratii khizmatrasonii bonkii islomi oid ba tanzimi faoliyati tashkilothoi qarzie, ki muvofiqi prinsiphoi mablagguzorii islomi amal mekunand, dar nazdi Bonki millii Tojikiston tasis doda meshavad.
2. Raisi Bonki millii Tojikiston azoi SHuroi mashvaratii khizmatrasonii bonkii islomiro az qatori shakhsone, ki doroi takhassusi dakhldor, donish oid ba mablagguzorii islomi va tajribai amali dar bakhshi bonki, qonunguzori va digar sohahoi ba onho aloqamand meboshand, tain menamoyad.
3. Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud tartibi faoliyati SHuroi mashvaratii khizmatrasonii bonkii islomiro muqarrar menamoyad.

 

Moddai 26. Vakolati SHuroi mashvaratii khizmatrasonii bonkii islomi

 

SHuroi mashvaratii khizmatrasonii bonkii islomi doroi vakolathoi zerin meboshad:

1) ishtirok dar tahiyai sanadhoi meyorii huquqii Bonki millii Tojikiston vobasta ba prinsiphoi mablagguzorii islomi;

2) dodani maslihat ba Bonki millii Tojikiston oid ba masalahoi gunoguni bonkii islomi, faoliyatu ahdhoi tashkilothoi qarzii islomi;

3) tahlil va tasdiqi khizmatrasonihoi bonkii islomii mutobiq ba prinsiphoi mablagguzorii islomi, ki tashkilothoi qarzii islomi ba mushtariyoni khud peshnihod menamoyand;

4) dodani maslihat ba shakhsoni voqei va huquqi oid ba masalahoi mablagguzorii islomi;

5) digar vakolathoe, ki Bonki millii Tojikiston metavonad muayyan namoyad.

 

Moddai 27. Kumitai khizmatrasonii mablagguzorii islomi

 

1. Azoi Kumitai khizmatrasonii mablagguzorii islomi boyad az shakhsone iborat boshand, ki metavonand hamchun korshinosi faoliyati bonkii islomi ba tashkilothoi qarzii islomi jihati ba huquqi bonkii islomi mutobiqat kardani faoliyati onho mashvarat dihand.
2. Vakolathoi Kumitai khizmatrasonii mablagguzorii islomi, tartibi tasis va talabot ba azoi on bo sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar karda meshavand.
3. Azoi Kumitai khizmatrasonii mablagguzorii islomi uhdadorand:

1) hangomi barrasii masalahoi dar nazdi onho guzoshtashuda begaraz va voqebin boshand;

2) doir ba masalahoi barrasishavanda khulosayu tavsiyahoi saheh, asosnok va dalelnok dihand;

3) dasturi muqarrarshudaro rioya karda, doir ba masalahoi dar nazdi onho guzoshtashuda khulosa va tavsiyahoi sarivaqti dihand;

4) nizomi sirri bonki va tijoratiro nisbat ba malumote, ki hangomi ijroi vazifa ba onho dastras shudaast, rioya namoyand;

5) hangomi mavjudiyati aqidahoi gunogun odobro rioya karda,  qarorhoi Kumitai khizmatrasonii mablagguzorii islomi va SHuroi mashvaratii khizmatrasonii bonkii islomiro vayron nakunand;

6) rasmiyot va standarthoero, ki SHuroi mashvaratii khizmatrasonii bonkii islomi maqul donista, Bonki millii Tojikiston tasdiq kardaast, rioya namoyand.

 

Moddai 28. Maqomi ijroiyai tashkiloti qarzii islomi

 

1. Rohbarii bevositai faoliyati jorii tashkiloti qarzii islomi az tarafi maqomi ijroiyai on – Rayosat (maqomi dastajamii ijroiya) yo raisi tashkiloti qarzii islomi (maqomi infirodii ijroiya) va yo Rayosat va raisi tashkiloti qarzii islomi amali megardad. Agar Rayosat va raisi tashkiloti qarzii islomi dar yak vaqt hamchun maqomoti ijroiya tasis doda shavand, on goh raisi tashkiloti qarzii islomi vazifai raisi Rayosati onro ijro menamoyad.
2. Maqomi ijroiyai tashkiloti qarzii islomi baroi ijroi qarorhoi SHuroi noziron va idorakunii amaliyoti harruzai tashkiloti qarzii islomi masul meboshad. Hayati Rayosati tashkiloti qarzii islomi naboyad az se nafar kam boshad.
3. Rais va azoi Rayosati tashkiloti qarzii islomi nametavonand hamchun uzvi SHuroi noziron va Kumitai khizmatrasonii mablagguzorii islomi intikhob shavand.
4. Rayosati tashkiloti qarzii islomi doroi vakolathoi zerin meboshad:

– tatbiqi samthoi asosii faoliyati tashkiloti qarzii islomi;

– tamini rioyai meyorhoi idorakunii korporativi va talaboti idorakunii khavfhoi tashkiloti qarzii islomi;

– tamini sathi zarurii nizomi idorakunii tashkiloti qarzii islomi, ki masuliyat, vakolat va munosibathoi hamdigarii sokhtorhoi dokhili, shakhsoni mansabdor va kormandoni digari tashkiloti qarzii islomiro muqarrar menamoyad;

– tashkili nizomi nazorati dokhilii tashkiloti qarzii islomi, monitoringi mutobiqat va samaranokii on.

5. Raisi tashkiloti qarzii islomi doroi vakolathoi zerin meboshad:

1) az nomi tashkiloti qarzii islomi be vakolatnoma baromad karda, onro dar munosibat bo maqomoti davlati va gayridavlati namoyandagi mekunad va shartnomaho mebandad;

2) kormandoni tashkiloti qarzii islomiro ba kor qabul va az kor ozod menamoyad;

3) dar majlishoi Rayosati tashkiloti qarzii islomi raisi menamoyad;

4) ba qarorho va protokolhoi majlishoi Rayosati tashkiloti qarzii islomi imzo meguzorad;

5) vazifahoro dar bayni muovinon taqsim menamoyad;

6) farmonu amrho medihad, ki ijroi onho baroi kormandoni tashkiloti qarzii islomi hatmi meboshad;

7) shartho va andozai muzdi mehnati kormandoni tashkiloti qarzii islomiro, ba istisnoi rais, muovinoni rais va sarauditori tashkiloti qarzii islomi, muayyan menamoyad;

8) baroi faoliyati tashkiloti qarzii islomi purra masul meboshad;

9) masalahoi digari faoliyati tashkiloti qarzii islomiro, ki ba salohiyati Rayosat, SHuroi noziron, Kumitai khizmatrasonii mablagguzorii islomi va Majlisi umumii sahmiyadoroni (ishtirokchiyoni) tashkiloti qarzii islomi taalluq nadorand, barrasi menamoyad.

Hangomi az jonibi yak shakhs tasis dodani tashkiloti qarzii islomi (ba istisnoi tashkilothoi mablagguzorii islomii khurd) hamin shakhs nametavonad rais yo raisi Rayosati tashkiloti qarzii islomi boshad.

 

Moddai 29. Tartibi ba vazifa tain va az vazifa ozod kardani kormandoni 

                         rohbarikunanda

 

1. Kormandoni rohbarikunandai tashkiloti qarzii islomi (ba istisnoi tashkilothoi mablagguzorii islomii khurd) bo rozigii Bonki millii Tojikiston badi dar on az sanjishi takhassusi guzashtanashon ba vazifa tain karda meshavand. Tartibi guzaronidani sanjishi takhassusii nomzadho ba vazifai kormandoni rohbarikunandai tashkiloti qarzii islomi (ba istisnoi tashkilothoi mablagguzorii islomii khurd) bo sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar karda meshavad.
2. Azoi Rayosati tashkiloti qarzii islomiro (ba istisnoi tashkilothoi mablagguzorii islomii khurd) SHuroi noziron intikhob namuda, raisi tashkiloti qarzii islomi va raisi Rayosati onro ba vazifa tain va az vazifa ozod menamoyad.
3. Muovini raisi tashkiloti qarzii islomi va sarmuhosibro raisi tashkiloti qarzii islomi (ba istisnoi tashkilothoi mablagguzorii islomii khurd) bo jonibdorii SHuroi noziron ba vazifa tain va az vazifa ozod menamoyad.
4. Rohbar va sarmuhosibi filiali tashkiloti qarzii islomi va «ravzanai bonkii islomi» az jonibi rais yo raisi Rayosati tashkiloti qarzii islomi ba vazifa tain va az vazifa ozod karda meshavand.
5. Kormandoni rohbarikunandai tashkiloti qarzii islomi va «ravzanai bonkii islomi» boyad ba talaboti zerin javobgu boshand:

1) doroi tahsiloti olii iqtisodi, hamchunin doroi tahsilot dar sohai faoliyati bonkii islomi va sobiqai korii na kamtar az panjsola az rui ikhtisos dar nizomi bonki, ki na kamtar az se soli onro sobiqa dar vazifahoi rohbar yo muovini rohbari vohidhoi sokhtorii iqtisodi tashkil dihad – baroi azoi rayosat, rais, muovinoni u va sarmuhosib;

2) doroi tahsiloti olii iqtisodi, hamchunin doroi tahsilot dar sohai faoliyati bonkii islomi va sobiqai korii na kamtar az sesola az rui ikhtisos dar sokhtorhoi iqtisodii nizomi bonki yo tahsiloti digari oli va sobiqai korii na kamtar az dahsola dar  nizomi bonki – baroi rohbar va sarmuhosibi filial, inchunin rohbar va sarmuhosibi «ravzanai bonkii islomi»;

3) shakhsi az nigohi kasbi bosalohiyat va boetimod boshand;

4) oid ba Qonuni mazkur va sanadhoi meyorii huquqii Bonki millii Tojikiston dar borai faoliyati bonkii islomi donishi kofi doshta boshand;

5) kormandi tashkiloti qarzii ananavi va tashkiloti qarzii islomii digar naboshand;

6) dar hamin tashkiloti qarzii islomi purra va dar yak vazifa kor kunand;

7) dar Jumhurii Tojikiston zindagi namoyand.

6. Tashkiloti qarzii islomi uhdador ast, ki Bonki millii Tojikistonro dar borai az vazifa ozod kardani kormandoni rohbarikunanda na dertar az se ruz az sanai qabuli qarori dakhldor khabardor namoyad.
7. Kormandi rohbarikunanda, ki binobar tatbiqi chorahoi favrii islohi va tasirrasoni nisbat ba tashkiloti qarzii islomi az vazifa ozod shudaast, huquqi ishgoli minbadai vazifai kormandi rohbarikunandai tashkiloti qarzii islomiro nadorad.
8. Rohbar, muovini rohbari maqomi ijroiya yo sarmuhosibi tashkiloti qarzii islomi, ki dar davrai faoliyati onho ijozatnomai tashkiloti qarzii islomi binobar tatbiqi chorahoi favrii islohi va tasirrasoni nisbat ba on bozkhond shudaast, nametavonand minbad vazifahoi kormandi rohbarikunandai tashkiloti qarzii islomiro ishgol namoyand.

 

Moddai 30. Kumitai audit va sarauditori dokhilii tashkiloti qarzii islomi

 

1. Tashkiloti qarzii islomi  Kumitai audit tasis medihad.
2. Azoi Kumita va raisi on az jonibi SHuroi noziron ba muhlati 4 sol intikhob karda meshavand.
3. Raisi SHuroi noziron, Raisi tashkiloti qarzii islomi yo azoi Rayosati tashkiloti qarzii islomi azoi Kumitai audit buda nametavonand.
4. Kumitai audit dar nazdi SHuroi nozironi tashkiloti qarzii islomi amal karda, doroi vakolathoi zerin meboshad:

1) barrasi va tavsiyai qabuli naqshai solonai audit, qoidahoi hisobdoriyu nazorati onho va idorakunii khavfho dar tashkiloti qarzii islomi;

2) dodani tavsiya baroi taini auditori berunii tashkiloti qarzii islomi;

3) barrasii hisoboti auditori beruni oid ba hisoboti moliyavii tashkiloti qarzii islomi va ba SHuroi noziron dodani malumot oid ba  kambudihoi oshkorshuda to dame, ki az jonibi on hisoboti moliyavi maqul donista shavad;

4) talab kardani hisobot az sarauditori dokhilii tashkiloti qarzii islomi;

5) monitoringi mutobiqati faoliyati tashkiloti qarzii islomi ba talaboti qonunhovu sanadhoi meyorii huquqi va peshnihodi malumot ba SHuroi noziron;

6) barrasii hisoboti tashkiloti qarzii islomi, ki ba Bonki millii Tojikiston peshnihod meshavad;

7) guzorish oid ba masalahoe, ki az jonibi SHuroi noziron yo Kumitai khizmatrasonii mablagguzorii islomi dar nazdi Kumitai audit guzoshta shudaand;

8) barrasii  amaliyot va ahdhoi tashkiloti qarzii islomi dar zaminai naqshahoe, ki Kumitai audit qabul kardaast, dar asosi darkhosti:

– SHuroi noziron;

– Kumitai khizmatrasonii mablagguzorii islomi;

– sahmiyadoroni (ishtirokchiyoni) tashkiloti qarzii islomi, ki besh az 10 foizi sahmiyahoi ovozdihandaro sohiband yo tibqi muqarraroti oinnomai tashkiloti qarzii islomi;

9) peshnihodi hisobot dar Majlisi umumii sahmiyadoron (ishtirokchiyon) oid ba faoliyati khud har sol na kamtar az yak marotiba.

5. Qarorhoi Kumitai audit bo aksariyati ovozhoi azoi ishtirokdoshta qabul karda meshavand. Hangomi barobar budani shumorai ovozho, ovozi raisi Kumitai audit halkunanda meboshad.
6. Dar tashkiloti qarzii islomi sokhtori auditi dokhili amal menamoyad, ki ba on sarauditori dokhili rohbari menamoyad.
7. Sarauditori dokhilii tashkiloti qarzii islomi boyad ba talaboti qismi 5 moddai 29 Qonuni mazkur javobguy boshad.
8. Bonki millii Tojikiston metavonad mutakhassisi sohai bonkii islomiro intikhob namuda, ba u baroi dar tashkiloti qarzii islomi guzaronidani audit yo sanjishi  rioyai prinsiphoi mablagguzorii islomi suporish dihad. Tashkiloti qarzii islomi uhdador ast baroi faoliyati mutakhassisi tainnamudai Bonki millii Tojikiston sharoiti musoid faroham orad.
9. SHakhsi tainshuda doroi vakolathoi az jonibi Bonki millii Tojikiston muqarrargardida buda, ba Bonki millii Tojikiston oid ba natijahoi audit yo sanjishi mutobiqi qismi 8 moddai mazkur guzaronidashuda hisobot peshnihod menamoyad.
10. Haqqi khizmat va kharojoti shakhsi tainshuda vobasta ba audit yo sanjish oid ba rioyai prinsiphoi mablagguzorii islomi mutobiqi moddai mazkur az jonibi tashkiloti qarzii islomi pardokht karda meshavad.
11. Mutobiqi qismi 8 moddai mazkur shakhsi tainshuda baroi rioya nakardani uhdadorii makhfiyati bayni chunin shakhs va tashkiloti qarzii islomi dar robita ba masalahoe, ki dar borai onho az rui natijahoi audit yo sanjishi rioyai prinsiphoi mablagguzorii islomi mutobiqi moddai mazkur az jonibi on shakhs ba Bonki millii Tojikiston hisobot doda meshavad, javobgar nameboshad.

 

Moddai 31. Ifsho kardani manfiathoi shakhsi

 

1. Kormandoni rohbarikunandai tashkiloti qarzii islomi va azoi Kumitai khizmatrasonii mablagguzorii islomi hangomi ba vazifa intikhob yo tain shudan va minbad har sol boyad ba tavri khatti ba SHuroi noziron oid ba manfiathoi shakhsii moliyavii bevosita yo bavositai khud, azoi oila va shakhsoni digare, ki bo onho khojagii umumi dorand, malumot dihand.
2. Hangomi az jonibi SHuroi nozironi tashkiloti qarzii islomi yo maqomi digari vakolatdori on barrasi gardidani masalai manfiathoi shakhsii moliyavii kormandoni rohbarikunanda va azoi Kumitai khizmatrasonii mablagguzorii islomi, onho huquq dorand dar  barrasii masalai mazkur ishtirok namoyand.

 

Moddai 32. Tartibi kharidi hissai ishtiroki afzaliyatnok

 

1. Haridi hissai ishtiroki afzaliyatnok dar tashkiloti qarzii islomi bo rozigii Bonki millii Tojikiston surat megirad.
2. SHakhse, ki bevosita yo bavosita, tavassuti digar shakhson yo yakjoya bo onho amal karda, mekhohad hissai ishtiroki afzaliyatnokro dar tashkiloti qarzii islomi kharidori namoyad, ba Bonki millii Tojikiston darkhosti khatti peshnihod mekunad.
3. Darkhost dar borai kharidi hissai ishtiroki afzaliyatnok inhoro dar bar megirad:

1) nasab, nom va nomi padar, shahrvandi, joyi istiqomati doimi, faoliyati kori yo kasbii shakhsi talabgori molikshavi ba hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnok;

2) malumotnoma baroi moliki hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnok bo zikri nasab, nom va nomi padar, shahrvandi, joyi istiqomati doimi, faoliyat yo kasbi moliki hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii hissai ishtiroki afzaliyatnok, ki vazi moliyavii onhoro tasdiq mekunad;

3) agar shakhsi talabgori molikshavi ba hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnok shakhsi huquqi boshad, nuskhai hisoboti tavozuni va hisoboti foida va ziyoni solonai soli okhir, ki az audit guzashtaast;

4) nomguy va mahalli joygirshavii namudi faoliyate, ki dar on shakhsi talabgori molikshavi ba hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnok sohibi hissa meboshad, bo nishon dodani andozai hissa;

5) sharthoi kharidi hissai ishtiroki afzaliyatnok;

6) manbai qonunii mablaghoi pulie, ki baroi kharidori istifoda meshavand;

7) naqsha yo peshnihod oid ba tagyiroti kulli dar faoliyat, sokhtori korporativi yo idorakunii tashkiloti qarzii islomi;

8) khulosai peshakii khattii tashkiloti qarzii islomi;

9) digar malumote, ki Bonki millii Tojikiston metavonad talab namoyad.

4. Bonki millii Tojikiston oqibathoi tasiri ivazshavii molikro ba ustuvorii tashkiloti qarzii islomi va ba talaboti muqarrarshuda muvofiq budani talabgori molikshavi ba hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnokro muayyan namuda, dar davomi 60 ruz az ruzi giriftani darkhost ba darkhostkunandagon ba tavri khatti dar borai rozigi  bo darkhost yo raddiya  javob medihad. Hangomi radkuni asosi on boyad nishon doda shavad.
5. Agar Bonki millii Tojikiston dar borai qarori khud dar muhlati  zikrshuda khabar nadihad, pas in manoi dodani rozigi baroi kharidu furushi hissai ishtiroki afzaliyatnokro dorad. Bonki millii Tojikiston huquq dorad hangomi badan oshkor kardani gayriqanoatbakhsh budani vazi moliyavi va obruyu etibori molikon bekor kardani in ahdro talab namoyad.
6. Bonki millii Tojikiston darkhostro maqul nameshumorad, agar:

1) vazi moliyavi, manbai mablagho, boetimodii har yak shakhsi kharidori bevosita yo bavositai hissai ishtiroki afzaliyatnok, az jumla manfiatdori nihoii in guna hissai ishtiroki afzaliyatnok az jonibi Bonki millii Tojikiston gayriqanoatbakhsh donista shavad;

2) muayyan karda shavad, ki chunin kharidori:

– raqobatro ba tavri nazarras mahdud menamoyad;

– ustuvorii moliyavii tashkiloti qarzii islomiro zeri khatar meguzorad;

– manfiathoi amonatguzoronu pasandozdoron va qarzdehoni tashkiloti qarzii islomiro zeri khatar meguzorad.

7. SHakhse, ki bevosita yo bavosita, tavassuti digar shakhson yo yakjoya bo onho amal karda, mekhohad hissai ishtiroki afzaliyatnokro dar tashkiloti qarzii islomi to 20 foiz, 33 foiz, 50 foiz yo 75 foizi sarmoya yo mutanosiban ba hamin hissai sahmiyahoi ovozdihandai tashkiloti qarzii islomi yo az on ziyod namoyad, boyad na kamtar az 30 ruz peshtar Bonki millii Tojikistonro ba tavri khatti ogoh namoyad.
8. Tashkiloti qarzii islomie, ki az peshnihodi kharidi hissai ishtiroki afzaliyatnok yo peshnihodi ziyod kardani hissai mavjudai on khabardor meshavad, dar in khusus favran ba Bonki millii Tojikiston ogohinomai khatti ravon menamoyad.
9. Tashkiloti qarzii islomi dar holati khabardor shudan dar borai on, ki molikoni vay, az jumla molikoni hissai ishtiroki afzaliyatnok minbad shakhsoni az nigohi kasbi bosalohiyat va boetimod nestand, dar in khusus favran Bonki millii Tojikistonro dar shakli khatti ogoh menamoyad.

 

Moddai 33. Aznavtashkildihii tashkiloti qarzii islomi

 

1. Aznavtashkildihii tashkilothoi qarzii islomi bo rozigii peshakii Bonki millii Tojikiston surat megirad.
2. Tashkiloti qarzii islomi qabl az aznavtashkildihi dar muhlati na kamtar az 30 ruz pesh dar in bora ba Bonki millii Tojikiston darkhosti peshaki firistoda, malumoti zaruriro manzur menamoyad.
3. Bonki millii Tojikiston ba zakhirahoi moliyavi, idorakuni va durnamoi faoliyati tashkilothoi qarzii islomii amalkunanda va navtasis baho doda, to ba shartu talaboti ijozatnomadihi javobgu gardidani tashkilothoi qarzii islomii navtasis ba darkhosti onho rozigi namedihad. Bonki millii Tojikiston ba amali dar qismi 1 moddai mazkur peshbinishuda dar holati rioya nashudani talaboti qonunguzorii ziddiinhisori rozigi namedihad.

 

BOBI 5.

TANZIMI FAOLIYATI  TASHKILOTHOI QARZII ISLOMI

 

Moddai 34. Qoidahoi umumii faoliyati tashkilothoi qarzii  islomi

 

1. Tashkilothoi qarzii islomi faoliyati khudro mutobiqi talaboti Qonuni mazkur, sanadhoi meyorii huquqii Jumhurii Tojikiston  va ijozatnomahoi Bonki millii Tojikiston ustuvorona va oqilona amali menamoyand.
2. Tashkilothoi qarzii islomi korhoi zerinro ijro menamoyand:

1) kifoyatii sarmoya va pardokhtpaziriro nigoh mekunand;

2) hangomi pastshavii arzishi doroiho fondi jubroni talafoti imkonpazirro tibqi sanadhoi meyorii huquqii Bonki millii Tojikiston tashkil menamoyand;

3) hisobdorii muvofiq va digar bahisobgiriro ba roh memonand;

4) baroi ijroi sarivaqtii uhdadoriho va  jubroni ziyon zakhirai kofi tashkil mekunand;

5) nazorati mukammal va samaranokro az rui khavfho tamin menamoyand;

6) baroi jubron dar holathoi zerin chorahoi zaruri meandeshand:

– bequrbshavii doroiho;

– pardokhti uhdadoriho;

– jubroni talafot;

– muqarraroti jubroni talafoti mablagguzorii islomi mutobiqi sanadhoi meyorii huquqii Bonki millii Tojikiston;

7) bo maqsadi kam kardani khavfho tibqi sanadhoi meyorii huquqii Bonki millii Tojikiston nizomi khudii idorakunii khavfho va nazorati dokhiliro tashkil menamoyand;

8) nazorati kofivu samaranoki khavfhoro tamin menamoyand;

9) doroihoro vobasta ba khavfi talafot guruhbandi menamoyand.

3. Tashkilothoi qarzii islomi naboyad sokhtorhoi guruhiero, ki ba amali kardani nazorati bosamar mone megardand, tashkil namoyand. Bonki millii Tojikiston qoidahoro baroi jamiyathoi vobastai tashkilothoi qarzii islomi, az jumla vobasta ba talabot ba ahdhoi bayni tashkiloti qarzii islomi  va jamiyathoi vobastai on, ki hangomi omoda kardani hisoboti moliyavii majmui ba hisob girifta nameshavand, muqarrar menamoyad.
4. Bonki millii Tojikiston talabotero, ki mutobiqi meyorhoi bobi mazkur baroi tashkilothoi qarzii islomii vatani muqarrar shudaand, ba filialhoi bonkhoi islomii khoriji niz tatbiq menamoyad.
5. Dar surati ba raisi tashkiloti qarzii islomi malum gardidani holathoi zerin, u boyad dar in khusus favran dar shakli khatti ba Bonki millii Tojikiston khabar dihad:

– meyori kifoyatii sarmoyai tashkiloti qarzii islomi az andozai muqarrarnamudai Bonki millii Tojikiston kam gardidaast;

– tashkiloti qarzii islomi az ijroi uhdadorihoyash nabaromada, mekhohad pardokhti onhoro bozdorad.

 

Moddai 35. Meyorhoi maqbul

 

1. Bonki millii Tojikiston baroi tashkilothoi qarzii islomi meyorhoi maqbuli zerinro muqarrar menamoyad:

1) haddi aqali sarmoyai oinnomavi baroi tashkilothoi qarzii islomii navtasis;

2) andozai nihoii qismi gayripulii sarmoyai oinnomavi;

3) andozai nihoii khavf baroi yak qarzgir yo guruhi qarzgironi ba ham aloqamand;

4) meyori kifoyatii sarmoya;

5) meyori pardokhtpazirii jori;

6) meyori khavfhoi asori, daromadnoki va khavfhoi digar;

7) meyori istifodai mablaghoi khudii tashkilothoi qarzii islomi baroi kharidani cahmiyahoi (hissahoi) shakhsoni huquqii digar;

8) andozai nihoii qarzi islomi, vositahoi mablagguzorii islomi, kafolatho va zamonathoe, ki tashkilothoi qarzii islomi ba sahmiyadoroni (ishtirokchiyoni) khud dodaand.

2. Bonki millii Tojikiston tibqi sanadhoi meyorii huquqii khud, amaliyai peshqadam va standarthoi baynalmilali, ki SHuroi mashvaratii khizmatrasonii bonkii islomi tavsiya namudaast, meyorhoi maqbul va tartibi hisobi onhoro baroi tashkilothoi qarzii islomi muqarrar namuda, hangomi amali namudani nazorat onhoro istifoda menamoyad.
3. Bonki millii Tojikiston talaboti mutobiqi meyorhoi bobi mazkur muayyanshudaro, ki nisbat ba tashkilothoi qarzii islomi va bonkhoi farii onho dar zaminai nazorati  majmui tatbiq megardand, muqarrar menamoyad.
4. Bonki millii Tojikiston metavonad meyorhoi maqbuli digarero, ki dar tajribai baynalmilalii tanzimi faoliyati bonkii islomi istifoda meshavand, muqarrar namoyad.
5. Bonki millii Tojikiston metavonad nisbat ba meyori izofapuli, muhlati pardokht va digar sharthoi qarzdihii islomi, ki dar mekhanizmi mablagguzorii islomi istifoda meshavand, inchunin jalbi mablagho (az jumla, amonatu pasandoz va sahmiyaho) yo uhdadorihoi gayritavozuni niz talabot muqarrar namoyad.
6. Bonki millii Tojikiston metavonad meyorhoi tafriqashudai meyorhoi maqbuli idorakunii khavfho va tartibi hisobkunii onhoro az rui namudhoi tashkilothoi qarzii islomi muqarrar namoyad.
7. Qarori Bonki millii Tojikiston dar borai tagyir dodani meyorho va tartibi hisobkunii onho pas az se moh badi qabuli on etibor paydo menamoyad.
8. Tashkiloti qarzii islomi siyosati dokhilii khudro bo rioyai haddi aqal va nihoii khavfho, qoidahoi idorakunii khavfho, siyosati sarmoyaguzori va qarzdihi, inchunin digar meyorhoi maqbuli tanzimi sarmoya, doroiho, surathisobhoi gayritavozuni va zakhiraho pesh mebarad.
9. Tashkiloti qarzii islomi siyosati dokhilii idorakunii meyorhoi maqbulro dar samthoi zerin tahiya va amali menamoyad:

1) doroihoi pardokhtpazir nisbat ba doroihoi umumi yo  uhdadoriho yo tagyiryobii onho (az jumla, kafolatho va garavi giriftashuda), ba sharte ki tashkiloti qarzii islomi huquqi dar Bonki millii Tojikiston nigohdorii qisme az doroihoi pardokhtpaziri khudro doshta boshad;

2) mablagi nihoii tamomi qarzho va sarmoyaguzoriho yo qisme az onho;

3) tasnif va bahoguzorii doroiho, tashkili zakhira va fondi talafoti imkonpaziri doroiho dar zaminai chunin tasnif va bahodihi, inchunin muqarrar kardani muhlate, ki dar doirai on daromad az vositahoi mablagguzorii islomii gayrifaol nametavonad hamchun daromad hisobida shavad, ba istisnoi daromad bo puli naqd;

4) sharthoi qabuli amonat, pasandozi islomi va dodani qarzi islomi yo mablagguzorii islomi;

5) mamnuiyatho, mahdudiyatho yo sharthoi digari vobasta ba:

– navi qarzhoi islomi, sarmoyaguzori va uhdadoriho, mutobiqati doroiho va uhdadoriho az rui muhlat va digar sharthoi onho;

– mavqei kushoda:

– bo asori khoriji, metallho va sanghoi qimatbaho;

– sahmiyaho va digar kogazhoi qimatnoki intiqolshavanda;

– qarordodhoi forvardi, sozishnomai svop, fyuchers, opsion va digar hosilahoi ba asor, sahmiyaho, vombargho, metallho va sanghoi qimatbaho yo qurbu meyorhoi mablagguzori dakhldoshta, ki khavfi onho sugurta nashuda, az meyorhoi muqarrarshuda ziyod meboshad.

 

Moddai 36. Havfi qarzhoi kalon

 

1. Tashkiloti qarzii islomi dar holathoi zerin ba shakhsi voqei yo huquqi qarzi islomi namedihad, agar:

– mablagi umumii baqiyai qarzhoi asosii tashkiloti qarzii islomi ba in shakhs az 20 foizi sarmoyai tanzimshavandai tashkiloti qarzii islomi ziyod boshad;

– mablagi umumii baqiyai qarzhoi asosii kaloni tashkiloti qarzii islomi az andozai sekaratai mablagi sarmoyai tanzimshavandai tashkiloti qarzii islomi ziyod boshad.

2. Muqarraroti qismi 1 moddai mazkur dar holathoi zerin tatbiq namegardad, agar:

– ahdho bo Hukumati Jumhurii Tojikiston va yo tahti kafolati on basta shuda boshand;

– ahdho bayni tashkilothoi qarzii islomi, ki muhlati pardokhtashon  yak sol yo kamtar az on ast.

3. Bo maqsadi tatbiqi moddai mazkur shakhsi zikrshuda shakhsest, ki ba shakhsi digar bevosita yo bavosita vobasta ast, ki:

– ustuvorii moliyavii yake az onho metavonad ba ustuvorii moliyavii shakhs yo shakhsoni digar tasir rasonad;

– omilhoe vujud dorand, ki metavonand ba ustuvorii moliyavii yakchand nafar yo hamai onho tasir rasonand;

– ustuvorii moliyavii shakhsi digar (vobasta ba munosibathoi onho) voqean baroi bargardonidani qarzi islomi ba tashkiloti qarzii islomi metavonad tasir rasonad.

 

Moddai 37. Qarzi islomi ba shakhsoni vobasta

 

1. Tashkiloti qarzii islomi dar holathoi zerin ba shakhsoni vobasta qarzi islomi namedihad, agar:

1) qarzi islomi va sharthoi on az jonibi SHuroi noziron yo nisbat ba filiali bonki islomii khoriji – az jonibi rohbari filial maqul donista nashavad;

2) hissai daromadi tashkiloti qarzii islomi az meyori daromadi jorii bozor baroi chunin qarzi islomi past boshad;

3) qarzi islomii ba kormandi rohbarikunandai tashkiloti qarzii islomi dodashuda (az jumla, qarze, ki az jonibi yak yo yakchand bonkhoi farii tashkiloti qarzii islomi doda shudaast) az 30 foizi daromadi solonai in shakhs ziyod boshad;

4) muhlati qarzi islomi, barasmiyatdarorii on va sifati garavi qarzi islomi az qarzi islomii mavjuda mohiyatan farq kunad;

5) mablagi umumii hamai qarzhoi islomii ba shakhsi vobasta dodashuda az 10 foizi sarmoyai tanzimshavandai tashkiloti qarzii islomi ziyod boshad.

2. SHuroi noziron nisbat ba filiali bonki islomii khoriji yo rohbari filial metavonad dodani qarzi islomi va sharthoi onro dar holati qone budan ba sharthoi zerin tasdiq kunad:

1) qarzi islomi ba standarthoi pardokhtpaziri, ki az digar mushtariyoni darkhostkunanda talab karda meshavand, javobguy ast;

2) sharthoi qarzi islomi ba tashkiloti qarzii islomi nisbat ba sharti on qarzhoe, ki ba digaron doda meshavand, muvofiqtarand;

3) peshnihodi qarzi islomi hamatarafa ba manfiati tashkiloti qarzii islomi meboshad;

4) dar holate, ki qarzi islomi bo giriftani na kamtar az se du hissai ovozhoi tamomi azoi SHuroi nozironi tashkiloti qarzii islomii dar majlisi SHuro ishtirokdoshta tasdiq shuda, dar protokoli majlis zikr gardad.

3. Tashkiloti qarzii islomi dar borai qarzi islomii ba shakhsoni vobasta dodashuda bo maqsadi monitoringi on favran ba Kumitai auditi khud hisobot medihad. Hisobot malumoti zerinro dar bar megirad:

– nasab, nom va nomi padari shakhsi vobasta;

– mablagi qarzi islomii ba shakhsi vobasta dodashuda.

4. Agar tashkiloti qarzii islomi qarzi islomiro ba shakhsi vobasta bo rioya nakardani sharthoi qismi 1 moddai mazkur dihad, on goh chunin qarzi islomi boyad favran bekor karda shavad va mablaghoi dar doirai on pardokhtshuda ba tashkiloti qarzii islomi bargardonida shavand. Azoi SHuroi noziron yo rohbari filiali bonki khorijii islomi vobasta ba vazu holati mavjuda baroi pardokhti qarzi asosi, digar kharojot va oid ba qarze, ki bo ogohi va rozigii onho bo rioya nakardani talaboti qismi 1 moddai mazkur doda shudaast, masuliyati shakhsi va mushtarak ba zimma dorand.

 

Moddai 38. Havfi asori khoriji

 

Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud meyorhoi haddi nihoii mavqei kushodai asori va tartibi hisobi onhoro baroi tashkiloti qarzii islomie, ki huquqi guzaronidani amaliyoti bonkii islomi bo asori khorijiro dorad, muqarrar menamoyad.

 

Moddai 39. Mahdudiyati sarmoyaguzori

 

1. Tashkiloti qarzii islomi be rozigii khattii Bonki millii Tojikiston nametavonad sarmoyaguzoriro bo rohi kharidi sahmiyaho, vombarghoi ba sahmiya aloqamand va kogazhoi qimatnoki digar ba andozai ziyoda az 10 foizi sarmoyai tanzimshavandaash anjom dihad. Dar holathoe, ki chunin sarmoyaguzori ziyoda az 10 foizi sarmoyai tanzimshavandaro tashkil medihad, tashkiloti qarzii islomi uhdador ast hangomi zarar nadidan dar muddati kutoh (na dertar az yak moh) va dar har surat dar muhlati na dertar az du soli badi kharidani chunin kogazhoi qimatnok onhoro furushad.
2. Muhlati mazkur bo darkhosti tashkiloti qarzii islomi az jonibi Bonki millii Tojikiston metavonad boz to yak soli digar tamdid karda shavad.
3. Tashkiloti qarzii islomi be giriftani rozigii peshakii khattii Bonki millii Tojikiston, ba istisnoi sahmiyahoe, ki tashkiloti qarzii islomi dar natijai anjom dodani amaliyoti bonkii islomi sohibi onho shudaast, ba sahmiyahoi digar tashkiloti qarzi yo tashkiloti qarzii islomi molik shuda nametavonad. Dar in holat, agar Bonki millii Tojikiston ba tashkiloti qarzii islomi baroi nigohdorii sahmiyahoi mazkur rozigi nadihad, tashkiloti qarzii islomi sahmiyahoro hangomi zarar nadidan dar muddati kutoh (na dertar az yak moh) va dar har surat dar muhlati na dertar az du soli badi ba dast ovardanashon mefurushad.
4. Tashkiloti qarzii islomi huquq nadorad sohibi molu mulk gardad, ba istisnoi molu mulki manqul va yo gayrimanqule, ki:

– baroi tamini faoliyati khud va niyozhoi ijtimoii kormandon, az jumla baroi tamini manzil zarur ast;

– baroi pesh burdani faoliyati bonkii islomi zarur buda, ba  sharthoi az jonibi Bonki millii Tojikiston muayyangardida vobasta ast.

5. Tashkiloti qarzii islomi uhdador ast molu mulkero, ki dar rafti guzaronidani amaliyoti bonkii islomi ba molikiyatash guzashtaast, hangomi zarar nadidan dar muddati kutoh (na ziyoda az se moh) va dar muhlati na dertar az du soli badi ba dast ovardanash furushad.
6. Tashkiloti qarzii islomi qismi ziyodatii molu mulkashro ba ijora doda metavonad, ba sharte ki in amal ba faoliyati tashkiloti qarzii islomi khalal narasonad.
7. Ba tashkiloti qarzii islomi kharidani sahmiyahoi jamiyati khoriji (gayrirezident) be rozigii khattii Bonki millii Tojikiston man ast, ba gayr az holathoe, ki tashkiloti qarzii islomi onhoro dar natijai anjom dodani amaliyoti bonkii islomi sohib shuda boshad.

 

Moddai 40. Rejai korii tashkiloti qarzii islomi

 

1. Tashkiloti qarzii islomi boyad ba mushtariyon dar davomi soathoi korii az jonibi Bonki millii Tojikiston tasdiqgardida khizmat rasonad.
2. Dar holathoi zaruri, bo maqsadi tamini suboti nizomi bonki va hifzi manfiathoi mushtariyon, Bonki millii Tojikiston metavonad ba tashkiloti qarzii islomi dar khususi bozdoshtani kor va qati amaliyot suporish dihad. Dar in holat, tashkiloti qarzii islomi tanho bo ijozati Bonki millii Tojikiston az nav ba kor shuru karda metavonad.

 

Moddai 41. Ahd va amaliyoti shubhanok

 

1.Tashkiloti qarzii islomi bo maqsadi ba tavri ikhtiyori yo gayriikhtiyori ba faoliyati jinoyati jalb nagardidanash boyad hamesha choraho andeshad. Tashkiloti qarzii islomi uhdador ast, dar borai ijroi hama guna ahd va amaliyoti shubhanoki mushtariyoni khud (kushishi anjom dodani ahd va amaliyoti shubhanok) favran ba maqomi vakolatdori muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm bo tartibi muqarrarshuda khabar dihad.

2. Az jonibi tashkiloti qarzii islomi ifsho namudani malumoti dar qismi 1 moddai mazkur peshbinishuda vayronkunii talaboti sirri bonki hisob nashuda, on baroi in amal javobgar nameboshad.

 

Moddai 42. Mahdudiyati amaliyot bo sahmiyaho

 

1. Tashkiloti qarzii islomi nametavonad tahti garavi sahmiyahoi khud yagon khel qarz, peshpardokht, kafolatnoma yo kogazi qimatnok dihad yo digar uhdadorihoro ba zimma girad.
2. Tashkiloti qarzii islomi metavonad sahmiyahoi khudro mutobiqi sanadhoi meyorii huquqii Bonki millii Tojikiston kharidori namoyad.

 

Moddai 43. Surathisobhoi gayrifaol

 

1. Surathisobhoi bonkie, ki sohibash dar davomi 10 soli okhir ba on tavajjuh zohir nakardaast, ba istisnoi surathisobhoi pasandozi shakhsoni voqei, surathisobi gayrifaol donista shuda, mablagi on bo rioyai qoidahoi dar moddai mazkur peshbinishuda nigoh doshta meshavad.
2. Tashkiloti qarzii islomi dar ruzi avvali korii soli oyandai taqvimi ba nishonii okhirini malumbudai sohibi surathisobi gayrifaol tavassuti pochta ogohinoma irsol namuda, hamzamon dar na kamtar az du ruznomai Jumhurii Tojikiston dar borai u elon nashr mekunad. Agar sohibi surathisobi gayrifaol dar davomi yak mohi badi irsoli ogohinoma va nashri elon az khud darak nadihad, tashkiloti qarzii islomi  surathisobi gayrifaolro basta, mablagi onro baroi nigohdorii minbada ba surathisobi makhsusi dar Bonki millii Tojikiston kushodashuda intiqol medihad.
3. Bonki millii Tojikiston mablaghoi surathisobi makhsusro ba kogazhoi qimatnoki davlati va dar holati nabudani onho ba digar kogazhoi qimatnok sarmoyaguzori menamoyad. Dar davomi 20 soli digar har shakhs, bo daleli tasdiqkunandai sohibiyat ba in mablagho, metavonad baroi giriftani onho ba Bonki millii Tojikiston murojiat namoyad. Badi ba okhir rasidani davrai mazkur Bonki millii Tojikiston mablagi darkhostnashudai chunin surathisobro ba Vazorati moliyai Jumhurii Tojikiston baroi ba amonat nigoh doshtan dar Hazinadorii markazi meguzaronad.

 

Moddai 44. Nigohdorii hujjat va sabtho

 

1. Tashkiloti qarzii islomi hujjathoi zerinro az rui har yak ahd ba muhlati na kamtar az panj sol nigoh medorad:

– malumoti shakhsi oid ba mushtari;

– darkhost va hamai hujjathoi shartnomavii vobasta ba ahdho (az jumla, sozishnomahoi qarzi va kafolathoi taminshuda) va qarorhoi tashkiloti qarzii islomi dar borai tasdiqi ahdho;

– sabti ahdho bo sharikon (az jumla kreditor, debitor va kafilon) va  hujjathoi digari guvohidihanda, ki baroi maqul donistani in ahdho asos shudaand;

– kushodani surathisobi bonkii onho;

– digar hujjathoe, ki Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud muqarrar kardaast.

2. Sabtho dar shakli khatti anjom doda meshavand. Tashkiloti qarzii islomi metavonad sabt, kitobi hisobdori, hisobot, hujjat, murosilot (maktubho), intiqoli telegrafi, ogohinoma va digar hujjathoi ba faoliyati moliyavii khud dakhldoshtaro dar shakli mukhtasar (mikrofilm, makhzani elektronii malumot va digar ittiloot) ba muhlati muqarrarkardai qonunguzorii Jumhurii Tojikiston ba joi nuskhai asl tavre nigoh dorad, ki nizomi muvofiq va qoidahoi purra barqarorsozii malumot dar hamon joy vujud doshta boshad. In guna nuskhahoi mukhtasar barobari nuskhai asl etibor dorand.
3. Bonki millii Tojikiston metavonad oid ba nizomi nigohdorii hujjatho sanadhoi meyorii huquqi qabul namoyad.

 

Moddai 45. Nizomi pardokht

 

1. Tashkiloti qarzii islomi metavonad bo muvofiqai Bonki millii Tojikiston nizomi mushtaraki kliringro baroi intiqoli mablag, digar vositahoi pardokht va hisobbarobarkuniho tasis dihad.
2. Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud qoidavu usulhoi idorakunii nizomi mazkur, az jumla, namudhoi hisobbarobarkuniro muqarrar menamoyad.
3. Tashkilothoi qarzii islomi dar surati nabudani nizomi mushtaraki kliring hisobbarobarkunii baynibonkiro bo muvofiqai tarafho yo mutobiqi tajribai baynalmilali anjom medihand.

 

BOBI 6.

HISOBDORI VA HISOBOTI MOLIYAVI

 

Moddai 46. Soli moliyavi

 

Soli moliyavii tashkilothoi qarzii islomi 1 yanvar ogoz yofta, 31 dekabri hamon sol ba okhir merasad. Baroi filiali bonki khorijii islomi soli moliyavi metavonad digar boshad.

 

Moddai 47. Peshnihodi hisobot

 

1. Bo maqsadi tanzim va nazorati faoliyati tashkilothoi qarzii islomi Bonki millii Tojikiston bo sanadhoi meyorii huquqii khud qoidahoi hisobdori, fehrist, shaklho, tartibi tahiya va muhlati peshnihodi hisoboti moliyaviro muqarrar menamoyad.
2. Tashkilothoi qarzii islomi (ba istisnoi tashkilothoi qarzii islomii khurd va fondhoi qarzii islomii khurd) uhdadorand ba Bonki millii Tojikiston dar barobari hisoboti moliyavi inchunin malumoti zerinro peshnihod namoyand:

– oid ba doroiho va uhdadoriho;

– oid ba rioyai meyorhoi maqbul;

– oid ba surathisobho va nishondihandahoi moliyavi;

– hisoboti omori dar shakli alohida va dar shakli majmui;

– digar ittilooti zaruri, ki onro Bonki millii Tojikiston talab menamoyad.

3. Bonki millii Tojikiston metavonad hangomi zarurat az har yak bonki fari yo jamiyati vobastai tashkiloti qarzii islomi baroi amali namudani nazorati majmui hisobot talab namoyad.

 

Moddai 48. Asoshoi hisobdori va tahiyai hisoboti moliyavi

 

1. Tashkiloti qarzii islomi boyad qoidahoi nizomi hisobdori, az jumla bahisobgirii harruzai kharojotu daromadro rioya namoyad.
2. Tashkiloti qarzii islomi hisoboti moliyavii khudro, ki az tavozun, hisobot dar borai foidavu ziyon, hisobot dar borai gardishi mablaghoi puli va hisobot dar borai tagyirot dar sarmoya iborat meboshad, mutobiqi standarthoi baynalmilalii hisoboti moliyavi va talaboti digari az jonibi Bonki millii Tojikiston muayyanshuda omoda menamoyad.
3. Hisoboti moliyavi vazi voqeii moliyavii tashkiloti qarzii islomi va filialhoi onro inikos namuda, malumot dar borai nizomi idorakunii dokhilii tashkiloti qarzii islomi, az jumla hisoboti SHuroi nozironi tashkiloti qarzii islomiro niz dar bar megirad.

 

Moddai 49. Hisoboti moliyavii solona

 

1. Tashkiloti qarzii islomi hisoboti moliyavii solona va dar surati doshtani yak yo yakchand tashkiloti qarzii farii islomi – hisoboti moliyavii majmuii solonaro omoda menamoyad.
2. Bonki millii Tojikiston metavonad digar jamiyathoi vobastai tashkiloti qarzii islomi, az jumla jamiyati nazoratkunandai on va jamiyati digari az tarafi jamiyati nazoratkunandai tashkiloti qarzii islomi nazoratshavandaro muayyan kunad, ki tashkiloti qarzi boyad oid ba onho hisoboti moliyavii majmuii solona peshnihod namoyad.
3. Filialhoi bonki khorijii islomi malumot oid ba surathisobho va hisoboti moliyavii khudro doir ba amaliyoti solona omoda namuda, bevosita ba Bonki millii Tojikiston peshnihod menamoyand.
4. Nuskhai hisoboti moliyavii solona, az jumla hisoboti majmuii solonai tashkiloti qarzii islomi, ki az audit guzashtaast, na dertar az chor mohi badi anjomi soli moliyavi ba Bonki millii Tojikiston peshnihod karda meshavad.
5. Bonki islomii khorijie, ki dar Jumhurii Tojikiston yak yo yakchand filial dorad, nuskhai hisoboti moliyavii majmuii solonai khudro, ki az audit guzashtaast, dar muhlati na dertar az shash mohi badi anjomi soli moliyavii on ba Bonki millii Tojikiston peshnihod menamoyad.

 

Moddai 50. Nashri hisoboti moliyavii solona

 

1. Tashkiloti qarzii islomi hisoboti moliyavii solonai khud, az jumla hisoboti moliyavii majmuii solonaro, ki az audit guzashtaast, dar muhlati na dertar az yak moh badi giriftani khulosai auditori dar na kamtar az du ruznomai jumhuriyavi nashr menamoyad.
2. Tashkiloti qarzii islomi dar dastgohi markazi va filialhoi khud nuskhai hisoboti moliyavii solonai khudro, ki az audit guzashtaast va ruykhati azoi SHuroi nozironi khudro dar joyi ba mushtariyon namoyon baroi shinosoi meguzorad.

 

BOBI 7.

AUDIT

 

Moddai 51. Audit

 

1. Bonki millii Tojikiston ruykhati tashkilothoi auditoriero, ki doroi ijozatnomai dakhldor, takhassus va tajribai kofii auditi tashkiloti qarzii islomi buda, metavonand auditi tashkiloti qarzii islomiro dar Jumhurii Tojikiston guzaronand, tahiya va nashr menamoyad.
2. Tashkiloti qarzii islomi az ruykhate, ki mutobiqi qismi 1 moddai mazkur nashr gardidaast, tashkiloti auditoriro intikhob va tain menamoyad.
3. Muqarraroti Qonuni Jumhurii Tojikiston «Dar borai ijozatnomadihi ba baze namudhoi faoliyat» nisbat ba tashkilothoi auditorii khorijie, ki ba ruykhati Bonki millii Tojikiston vorid gashtaand, tatbiq namegardad.
4. Muqarraroti Qonuni Jumhurii Tojikiston «Dar borai faoliyati auditori» nisbat ba tashkilothoi auditorie, ki auditi tashkiloti qarzii islomiro dar Jumhurii Tojikiston meguzaronand, bo nazardoshti Qonuni mazkur tatbiq karda meshavad.
5. Tashkiloti auditori yo kormandi on boyad molik, kormandi rohbarikunanda, azoi Kumitai khizmatrasonii mablagguzorii islomi, kormand yo namoyandai tashkiloti qarzii islomi naboshad. SHakhse, ki dar tashkiloti qarzii islomi manfiat nadorad, ba istisnoi holathoi doshtani amonat va pasandozi islomi dar tashkiloti qarzii islomi, metavonad  auditori on intikhob va tain gardad.
6. Agar tashkiloti auditori hangomi guzaronidani audit sohibi chunin manfiat dar tashkiloti qarzii islomi gardad, pas khizmatrasonii auditorii u qat karda shuda, tashkiloti qarzii islomi tashkiloti auditorii digarro intikhob va tain menamoyad.
7. Tashkiloti auditori ba tashkiloti qarzii islomi khizmatrasonihoero, ki bo vazifahoi nazorati dokhilii tashkiloti qarzii islomi aloqamandand, peshnihod namekunad, ba istisnoi khizmatrasonihoi talimie, ki doroi khususiyati doimi nestand.
8. Tashkiloti qarzii islomi nametavonad paydarpay yak tashkiloti auditoriro ba muhlati ziyoda az se sol auditor tain namoyad.
9. Mutobiqi standarthoi baynalmilalii audit tashkiloti auditori auditi tashkiloti qarzii islomiro dar asosi nazorati majmui anjom medihad va:

1) izhor mekunad, ki tashkiloti auditori yo yagon kormandi on dar tashkiloti qarzii islomi yagon manfiat nadorad va talaboti qismi 5 moddai mazkurro rioya menamoyad;

2) dar rioya va nigohdorii qoidahoi tashkili nizomi durusti hisobdori ba tashkiloti qarzii islomi kumak merasonad;

3) dar peshburdi nizomu qoidahoi durusti nazorati moliyavi va idorakunii khavfho ba tashkiloti qarzii islomi kumak merasonad;

4) bo darkhosti Kumitai auditi tashkiloti qarzii islomi dar majlishoi on ishtirok menamoyad;

5) dar davomi se mohi bad az anjomi soli moliyavi dar borai mukammali, kholisi va durustii hisoboti moliyavi khulosai auditori va nazari auditori omoda namuda, dar borai vazi moliyavii tashkiloti qarzii islomi mutobiqi talaboti Qonuni mazkur ba SHuroi nozironi tashkiloti qarzii islomi malumoti mufassal peshnihod menamoyad;

6) ba SHuroi nozironi tashkiloti qarzii islomi va Bonki millii Tojikiston dar borai nizomi tasnifi qarzho va taminnokii doroihoi (az jumla qarzhoi) shubhanok tibqi talaboti Bonki millii Tojikiston bo nishon dodani kambudiho khulosai tashkiloti auditoriro peshnihod menamoyad;

7) ba uzvi SHuroi noziron va ba Bonki millii Tojikiston dar borai amali kormandi rohbarikunanda, kormand yo namoyandai tashkiloti qarzii islomi, ki az nigohi auditor rioya nakardani talaboti Qonuni mazkur yo digar sanadi meyorii huquqii Jumhurii Tojikiston meboshad, khabar medihad;

8) ba uzvi SHuroi nozironi tashkiloti qarzii islomi va ba Bonki millii Tojikiston dar borai norasoi yo kambudii dar idorakuni yo amaliyoti tashkiloti qarzii islomi oshkorshuda khabar medihad.

10. Hangomi tahiyai khulosai auditori masoili zerin boyad ba nazar girifta shavand:

– mufassal budani bayonot va ittiloote, ki az kormandi rohbarikunanda, kormand yo namoyandai tashkiloti qarzii islomi hangomi audit talab shudaast;

– javobguy budani tashkiloti qarzii islomi ba talaboti nizomi nazorati dokhili va nizomi hisobdori;

– usulero, ki tashkiloti qarzii islomi baroi peshburdi kitobhoi hisobdori, hujjatho, hisobot va farogirii amaliyoti zaruri oid ba monitoring va auditi dokhiliyu beruna istifoda mebarad;

– qobiliyati kordoni va ba talabot muvofiq budani rohbariyati tashkiloti qarzii islomi;

– kambudihoi joydoshta, erodho va tavsiyaho baroi bartaraf kardani onho, inchunin ijroi tavsiyaho va bartaraf namudani erodhoi soli guzashta;

– daqiq budani hujjathoi ba Bonki millii Tojikiston peshnihodshuda va muvofiqati onho ba mazmuni sabtho, kitobhoi hisobdori, nizomi hisobdori va sanadhoi meyorii huquqii marbut ba hamin hujjatho.

11. Tashkiloti qarzii islomi dar muhlati na dertar az 30 ruz badi dastrasii khulosai auditori va tavsiyanomai tashkiloti auditori nuskhai onhoro ba Bonki millii Tojikiston irsol menamoyad. Tashkiloti qarzii islomi uhdador ast, ki bo nazardoshti khulosai auditori hisoboti moliyavii islohshudaro ba Bonki millii Tojikiston peshnihod namoyad.
12. Peshnihod namudani khulosai nosahehi auditori va yo munosibati garaznoki tashkiloti auditori bo tashkiloti qarzii islomi sababi khorij kardani tashkiloti auditori az ruykhati Bonki millii Tojikiston megardad.

 

Moddai 52. Uhdadorihoi ilovagi

 

1. Bonki millii Tojikiston metavonad ba zimmai tashkiloti auditorie, ki auditi tashkiloti qarzii islomiro meguzaronad, uhdadorihoi zerinro voguzor namoyad:

– peshnihodi malumoti ilovagi ba Bonki millii Tojikiston dar borai audit, ki onro Bonki millii Tojikiston zarur meshumorad;

– peshnihodi hisobot, amali kardani bozrasi yo ijro namudani qoidahoi az jonibi Bonki millii Tojikiston muqarrarshuda;

– ba Bonki millii Tojikiston peshnihodi hisobot dar borai hisobdori va nazorati dokhili;

– tamini ishtiroki namoyandagon dar barrasii khulosai auditorii tashkiloti qarzii islomi bo davati Bonki millii Tojikiston;

– dodani khulosa oid ba javobgu budani chorahoi muboriza bar ziddi qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda yo mablagguzorii terrorizm, ki tashkiloti qarzii islomi mutobiqi qonunguzorii Jumhurii Tojikiston va sanadhoi meyorii huquqii Bonki millii Tojikiston andeshidaast.

2. Bonki millii Tojikiston metavonad az tashkiloti qarzii islomi peshnihod namudani hisobot oid ba rioyai standarthoi faoliyati bonkii islomiro az jonibi Kumitai khizmatrasonii mablagguzorii islomi talab namoyad. On hamchunin metavonad az Kumitai khizmatrasonii mablagguzorii islomii tashkiloti qarzii islomi malumoti ilovagii aloqamand ba hisoboti ijro namudani standarthoi faoliyati bonkii islomiro talab namoyad.
3. Harojoti ijroi uhdadorihoi ilovagi ba zimmai tashkiloti qarzii islomi voguzor karda meshavad.

 

Moddai 53. Masuniyati shirkati auditori

 

1. Tashkiloti auditori rioyai talaboti makhfiyati kasbi va sirri bonkiro dar tashkiloti qarzii islomi arzyobi menamoyad.
2. Tashkiloti auditori baroi mutobiqi talaboti Qonuni mazkur peshnihod namudani malumoti doroi sirri bonki ba Bonki millii Tojikiston javobgar nameboshad.
3. Ba Bonki millii Tojikiston peshnihod namudani malumoti dar bandhoi 7) va 8) qismi 9 moddai 51 Qonuni mazkur peshbinigardida az jonibi tashkiloti auditori rioya nakardani uhdadorii sirri malumot donista nameshavad.

 

BOBI 8.

MAHFIYAT

 

Moddai 54. Sirri bonki

 

1. Malumot dar borai faoliyat va holati moliyavii mushtari, ki ba tashkiloti qarzii islomi hangomi khizmatrasoni va munosibat bo mushtari yo bo shakhsi seyum malum shudaast va oshkor kardani on mumkin ast ba mushtari ziyoni moddi va manavi rasonad, sirri bonki meboshad.
2. Malumoti zerin sirri bonki mahsub meshavad:

– dar borai mavjudiyati surathisobi bonki, sohiboni onho, dar borai mablaghoi pulii dar onho mavjuda va amaliyoti bo in surathisobho ijroshavandai mushtariyon;

– dar borai intiqoli mablaghoi puli az tarafi shakhsoni voqei be kushodani surathisob va dar borai firistandagoni (girandagoni) onho;

– dar borai mablaghoi puli va ashyoi qimatbahoi mushtari, ki dar tashkiloti qarzii islomi nigoh doshta meshavand.

3. Malumote, ki ba sirri bonki mansub meboshad, az jonibi tashkiloti qarzii islomi tanho ba shakhsoni zerin doda meshavad:

1) ba sohibi surathisobi bonki va sohibi ashyoi qimatbaho yo namoyandai onho;

2) ba firistandagon va girandagoni intiqolhoi puli;

3) ba Bonki millii Tojikiston bo talabi on;

4) ba Palatai hisobi Jumurii Tojikiston vobasta ba auditi mushtarii tashkiloti qarzii islomi dar asosi maktubi Raisi Palatai hisobi Jumhurii Tojikiston;

5) ba sudho dar asosi qarori (tainoti) sud (sudya);

6) ba ijrochii sud dar asosi qarori ijrochii sud vobasta ba hujjati ijro;

7) ba byuroi tarikhi qarz mutobiqi qonunguzorii Jumhurii Tojikiston;

8) ba maqomoti tahqiqu taftishoti peshaki va prokuratura az rui parvandahoi jinoyati nisbat ba mushtariyoni tashkiloti qarzii islomi – dar asosi qarori (tainoti) sud (sudya) mutobiqi Kodeksi murofiavii jinoyatii Jumhurii Tojikiston;

9) ba maqomoti andoz az rui masalai pardokhti andozi shakhsoni huquqi dar asosi maktubi rohbari maqomoti andoz bo peshnihodi nuskhai farmoni maqomoti andoz oid ba sanjishi onho.

4. Muqarraroti mazkur dar holati bo sababhoi gunogun qat gardidani munosibatho bayni mushtari va tashkiloti qarzii islomi niz etibori khudro gum namekunand.
5. Malumot dar borai sirri bonki dar surati vafoti mushtari doda meshavad:

– ba shakhsone, ki az tarafi mushtari dar vasiyatnoma zikr shudaand;

– ba sudho, idorai notariali va konsulgarihoi khoriji az rui parvandahoi merosii mushtarii favtida.

6. Ifshoi sirri bonki be rioyai sharthoi dar qismi 3 moddai mazkur muqarrarshuda man ast, ba istisnoi holathoi peshbininamudai Qonuni mazkur.
7. Tashkilothoi qarzii islomi bo maqsadi tamini amniyati molu mulk va sirri bonki huquq dorand khadamoti makhsus tasis dihand va bo tartibi muqarrarnamudai Qonuni Jumhurii Tojikiston «Dar borai siloh» siloh va vositahoi zarurii tekhnikiro dastras namuda, istifoda barand.
8. Mablaghoi dar surathisobi bonki yo mablagho va doroihoi digari dar tashkilothoi qarzii islomi nigohdoshtashavanda dar asosi qarori (tainoti) sud (sudya), qarori ijrochii sud vobasta ba hujjati ijro habs karda meshavand.
9. Hangomi habs namudani mablaghoi pulii dar surathisobhoi bonki buda, tashkiloti qarzii islomi favran amaliyoti dodani onro dar doirai mablage, ki habs karda shudaast, qat menamoyad.
10. Hangomi habs namudani ashyoi qimatbahoi digare, ki dar tashkiloti qarzii islomi nigoh doshta meshavand, tashkiloti qarzii islomi dodani onhoro ba sohibonash qat menamoyad.

 

Moddai 55. Hifzi sirri bonki az jonibi kormandoni tashkiloti qarzii islomi va

                        shakhsoni seyum

 

1. Az jonibi kormandoni rohbarikunanda, kormandon va namoyandagoni  amalkunanda yo sobiqi tashkiloti qarzii islomi peshnihod namudani sirri bonki ba shakhsi seyum, oshkor kardan yo dodani imkoniyat baroi tahlili on man ast, ba istisnoi holathoe, ki muvofiqi Qonuni mazkur ijozat doda shudaand.
2. Mahdudiyat hamchunin ba kormandon va nozironi Bonki millii Tojikiston va shakhsone, ki az jonibi on baroi sanjish mutobiqi moddai 58 Qonuni mazkur tain gardidaand, inchunin ba shakhsone, ki chunin ittiloot yo malumotro bo taqozoi kasb, vazifa yo faoliyati khud mustaqiman yo gayrimustaqiman tahqiq menamoyand, taalluq dorad.

 

Moddai 56. Holathoi istisnoi

 

Talaboti moddahoi 54 va 55 Qonuni mazkur dar holathoi zerin tatbiq namegardand:

1) hangomi ijroi vazifahoe, ki tibqi Qonuni mazkur va Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» ba uhdai tashkiloti auditori voguzor karda shudaand;

2) nisbat ba malumot va hujjathoe, ki tibqi Qonuni mazkur va Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» az jonibi Bonki millii Tojikiston binobar ijroi vazifahoi on talab karda meshavand;

3) hangomi andeshidani tadbirho va ijroi vazifayu uhdadoriho yo chorahoi digari ziddi qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, ki muvofiqi qonunguzorii Jumhurii Tojikiston va sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar shudaand;

4) hangomi dodani tasdiqnoma yo ogohinoma sababhoi rad kardani pardokhti chek bo talabi sohibi qonunii on;

5) hangomi peshnihodi malumot dar khususi qarzdorii mushtari jihati muayyan namudani etimodnokii bargashti qarz, chekhoi qalbaki va oid ba ahdhoi digare, ki Bonki millii Tojikiston baroi tamini ustuvorii nizomi bonki zarur mehisobad;

6) hangomi az tarafi tashkiloti qarzii islomi oshkor namudani malumot dar borai ahdhoi mushtariyon bo maqsadi isboti talabi khud dar bahsi sudi;

7) nisbat ba malumote, ki az tarafi Bonki millii Tojikiston muvofiqi Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» ba digar maqomoti nazoratkunanda peshnihod megardad.

 

Moddai 57. Hifzi malumote, ki az jonibi tashkiloti qarzii islomi peshnihod shudaast

 

1. Malumote, ki az tashkiloti qarzii islomi oid ba mushtari, ahdhoi mushtari va digar malumoti mufassal dar khususi munosibathoi on bo mushtariyon jam ovarda shuda, makhfi nigoh doshta meshavad, tanho bo rozigii tashkiloti qarzii islomi yo muvofiqi Qonuni mazkur oshkor karda meshavad.
2. Dar Bonki millii Tojikiston dastrasi ba in guna malumot tanho ba on kormandone doda meshavad, ki doroi vakolati dakhldor meboshand.
3. Bonki millii Tojikiston metavonad malumoti ifshoshavandai az tashkilothoi qarzii islomi giriftashudaro purra yo qisman nashr namoyad.
4. Bonki millii Tojikiston be rozigii tashkiloti qarzii islomi tafsiloti amaliyoti tashkiloti qarzii islomiro ifsho menamoyad, agar chunin tafsilot dar hisoboti moliyavii az jonibi SHuroi nozironi tashkiloti qarzii islomi tasdiqshuda darj shuda boshad yo to in vaqt dastrasi umum gardida boshad.

 

BOBI 9.

NAZORAT VA SANJISH

 

Moddai 58. Nazorat va sanjish

 

1. Bonki millii Tojikiston az boloi tashkilothoi qarzii islomi bo tartibi zerin nazorati majmui mebarad:

– hisobot, hujjatho, tavzehot, bayonot, dalelho va malumoti az jonibi tashkiloti qarzii islomi  tibqi Qonuni mazkur peshnihodshudaro barrasi menamoyad;

– az tashkilothoi qarzii islomi va bonkhoi fari va jamiyathoi vobastai onho dar shakli khatti peshnihod va tasdiq namudani  malumoti ilovagi, hisobot, hujjatho, tavzehot, bayonot va yo dalelhoro talab menamoyad;

– dar khususi vazi moliyavi, manbai mablaghoi puli, nufuzu etibori sahmiyadoroni bevosita yo bavositai tashkiloti qarzii islomi va oid ba shakhse, ki baroi sohib shudan ba 10 foizi sahmiyahoi tashkiloti qarzii islomi va ziyoda az on murojiat menamoyad, malumot talab menamoyad;

– sanjishi tashkiloti qarzii islomi, bonkhoi fari va jamiyathoi vobastai onro tavassuti kormand yo kormandoni khud yo shakhsone, ki bo in maqsad az jonibi Bonki millii Tojikiston tain shudaand, anjom medihad.

2. Sanjish barrasii faoliyati tashkiloti qarzii islomiro baroi muayyan kardani vazi moliyavii on, inchunin muvofiqati faoliyati tashkiloti qarzii islomi ba talaboti Qonuni mazkur, Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» va  sanadhoi meyorii huquqii Bonki millii Tojikistonro dar bar megirad.
3. Bonki millii Tojikiston na kamtar az yak marotiba dar yak sol sanjishi hamajonibai har yak tashkiloti qarzii islomiro anjom medihad, ba istisnoi namoyandagiho, ki dar muhlati na kamtar az yak marotiba dar du sol sanjida meshavand.
4. SHakhsoni tibqi moddai mazkur baroi guzaronidani sanjish tainshuda baroi rioyai talaboti sirri bonki masul meboshand. Kormandoni rohbarikunanda, kormandon va namoyandai tashkiloti qarzii islomi yo bonki fari va jamiyathoi vobastai on vazifadorand dastrasii shakhsoni mazkurro ba hamai utoqhoi kori, az jumla ba kassaho, khazinaho va ganjkhonaho, kitobhoi hisobdori, surathisobho, hujjatho, sabtho, az jumla sabthoi elektroni tamin namoyand.
5. Malumot, az jumla malumoti doroi sirri bonki, ki az jonibi sanjishgaron talab karda meshavad, boyad az jonibi tashkiloti qarzii islomi sari vaqt peshnihod gardad. Kormandoni rohbarikunandai tashkiloti qarzii islomi vazifadorand, ki dar guzaronidani sanjish hamajoniba musoidat namoyand.
6. Bonki millii Tojikiston SHuroi nozironi tashkiloti qarzii islomiro oid ba natijahoi sanjish ogoh mesozad.
7. Tartibi guzaronidani sanjish, jambast va peshnihodi natijahoi on bo sanadhoi meyorii huquqii Bonki millii Tojikiston muqarrar karda meshavand.
8. Maqomoti andoz metavonand az rui masalahoi pardokhti andoz az faoliyati bonkii islomi sanjishi tashkiloti qarzii islomiro guzaronand.
9. Auditi faoliyati moliyaviyu khojagidorii tashkilothoi qarzii islomii davlatiro Palatai hisobi Jumhurii Tojikiston meguzaronad. Auditi tashkilothoi qarzii islomi, az jumla tashkilothoi qarzii islomii davlati az jonibi Palatai hisobi Jumhurii Tojikiston dar qismi khizmatrasonii mablaghoi bujeti davlati, fondhoi davlati va qarzi davlati guzaronida meshavad.
10. Maqomoti digari davlati nametavonand faoliyati tashkiloti qarzii islomiro sanjish namoyand. Munosibati bayni onho va tashkiloti qarzii islomi bo tartibe, ki moddai 54 Qonuni mazkur muqarrar kardaast, surat megirad.

 

Moddai 59. CHorahoi favrii islohi va tasirrasoni

 

Bonki millii Tojikiston mutobiqi Qonuni Jumhurii Tojikiston «Dar borai Bonki millii Tojikiston» nisbat ba tashkilothoi qarzii islomi chorahoi favrii islohi va tasirrasoniro tatbiq menamoyad.

 

BOBI 10.

MUQARRAROTI HOTIMAVI

 

Moddai 60. Barrasii bahsho

 

1. Tashkilothoi qarzii islomi metavonand nisbat ba qarorhoi Bonki millii Tojikiston, tibqi tartibi muqarrargardida ba Sudi Olii iqtisodii Jumhurii Tojikiston dar davomi 30 ruz az ruzi giriftani onho dar holathoi zerin shikoyat namoyand:

– agar arizai onho baroi giriftani ijozatnoma az jonibi Bonki millii Tojikiston rad karda shavad;

– dar holathoi tatbiqi chorahoi islohi va tasirrasoni.

2. Peshnihodi shikoyat ba Sudi Olii iqtisodii Jumhurii Tojikiston amali qarori Bonki millii Tojikistonro boz namedorad.

 

Moddai 61. Himoyai manfiathoi mushtariyon

 

1. Munosibati mushtariyon bo tashkiloti qarzii islomi dar asosi shartnoma surat megirad.
2. Muhlat va meyori foidai qarzi islomi, amonatu pasandozhoi islomi, inchunin haqqi khizmatrasoni az tarafi tashkiloti qarzii islomi dar shartnoma bo mushtari muqarrar karda meshavand.
3. Pesh az ogozi khizmatrasoniho tashkiloti qarzii islomi ba mushtarii khud hatman dar borai talaboti zikrgardida, az jumla dar borai haqqi khizmat, meyori foida va digar kharojoti ilovagii mushtari khabar medihad.
4. Tashkiloti qarzii islomi uhdador ast intiqoli mablagi mushtari va ba surathisobi vay guzaronidani mablagro na dertar az ruzi digari giriftani hujjati dakhldori pardokht amali namoyad, agar dar qonunguzorii Jumhurii Tojikiston, shartnoma yo hujjati pardokht muhlati digar muqarrar nashuda boshad.
5. Dar surati der yo nodurust ba surathisobi mushtarii khud guzaronidan yo az on khorij kardani mablaghoi puli, tashkiloti qarzii islomi boyad baroi har ruzi takhir ba mushtari az rui mablagi muhlati pardokhtash batakhiraftoda muvofiq ba meyori boztamvili Bonki millii Tojikiston jarima dihad.
6. SHakhsoni voqei va huquqi dar intikhobi tashkiloti qarzii islomi ozod meboshand va metavonand dar yak yo yakchand tashkilothoi qarzii ananavi yo tashkilothoi qarzii islomi surathisobi bonkii khudro kushoyand.
7. Tashkiloti qarzii islomi uhdador ast, ki bo talabi avvalini mushtari dar borai doshtani ijozatnoma, tartibi guzaronidani amaliyoti bonkii islomi, dar borai khavf va kharojoti imkonpazir, ki bo guzaronidani amaliyot aloqamandand, inchunin oid ba tavozuni muhosibavi, hisobot dar borai foida, ziyon va khulosai auditorii soli guzashta malumot peshnihod namoyad.
8. Tashkiloti qarzii islomi huquq nadorad meyori foidai qarzhoi dodashuda, amonatho, pasandozho, haqqi khizmat va muhlati amali shartnomahoi bo mushtariyon bastashudaro yaktarafa tagyir dihad, ba istisnoi holathoe, ki dar shartnomai bo mushtariyon bastashuda peshbini gardidaand.
9. Tashkiloti qarzii islomi hangomi peshnihodi qarz va yo digar khizmatrasoni huquq nadorad dar nazdi mushtari shart guzorad, ki ba tavri hatmi az digar khizmatrasonihoi hamin tashkiloti qarzii islomi yo muassisahoi on istifoda barad.
10. Nisbat ba talaboti tashkilothoi qarzii islomi dar borai bargardonidani qarzhoi islomii dodashuda muhlati panjsolai davo muqarrar karda meshavad.

 

Moddai 62. Muqarraroti khotimavi

 

Muqarraroti Qonuni Jumhurii Tojikiston «Dar borai jamiyathoi sahomi» va Qonuni Jumhurii Tojikiston «Dar borai jamiyati doroi masuliyati mahdud» nisbat ba tashkilothoi qarzii islomi dar on qisme tatbiq megardand, ki ba muqarraroti Qonuni mazkur mukholifat nadoshta boshand.

 

Moddai 63. Javobgari baroi rioya nakardani talaboti Qonuni mazkur

 

SHakhsoni voqei va huquqi baroi rioya nakardani talaboti Qonuni mazkur tibqi tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston ba javobgari kashida meshavand.

 

Moddai 64. Tartibi mavridi amal qaror dodani Qonuni mazkur

 

Qonuni mazkur pas az intishori rasmi mavridi amal qaror doda shavad.

 

 

Prezidenti

Jumhurii Tojikiston                                                                                        Emomali RAHMON

 

sh. Dushanbe, 26 iyuli soli 2014,

№ 1108