Idorakunii khavfhoi (Nizomnomai shuba – khadamot)

Hadamoti idorakunii khavfhoi JSP «Bonki i Tojikiston» tibqi talabothoi Dasturamali Bonki millii Tojikiston tahti № 181 “Dar borai talabot ba nizomi idorakunii khavfho va nazorati dokhili dar tashkilothoi qarzi” bo maqsadi ba roh mondani faoliyati samaranok va mutadil, yane kam namudani khavfi zarari moliyavii imkonpazir va muvofiqan ziyod namudani narkhi sarmoyaguzorihoi sahomon, bo rohi samaranok idorakunii doroihoyu uhdadoriho dar hududi imkonpaziri muqarrarnamudai SHuroi nozironi Bonk, tamini sathi lozimai etimodiyat, khususiyat va andozai lozimai amaliyotho, tashkil gardidaast. Mavjudiyati sathi balandi nizomi idorakunii khavfho dar Bonk boisi jalbnamoii sarmoyaguzorihoi khorijiyu dokhili gardida, obrui Bonkro beshtar megardonad. 

1.1. Hadamoti idorakunii khavfho (minbad Hadamot) sokhtori tarkibii Saridorai JSP «Bonki i Tojikiston» minbad («Bonk») nomida meshavad, meboshad;

1.2  Sokhtor, shumora va hayati kormandoni Hadamot bo nazardoshti peshnihodhoi Sardori Hadamot bo Farmoni Raisi Bonk tasdiq (muayyan)  karda meshavad;

1.3. Hadamotro Sardor sarvari mekunad, ki u bo Farmoni Raisi Bonk ba in vazifa tain va yo az vazifa  ozod karda meshavad;

1.4. Sardori Hadamot az rui sokhtori tashkili ba Raisi Bonk itoat mekunad;

1.5. Dar ravandi faoliyati khud Hadamot az rui sanadhoi qonunguzorii Jumhurii Tojikiston, qarorhoi Hukumati Jumhurii Tojikiston, sanadhoi meyorii Bonki millii Tojikiston az jumla Dasturamali № 181 “Dar borai talabot ba nizomi idorakunii khavfho va nazorati dokhili dar tashkilothoi qarzi”, Oinnomai Bonk, «Siyosati idorakunii khavfho», hujjathoi dokhilinizomii va digar hujjathoi vazifavi-amaliyotii idorakunii khavfho, Nizomnomai mazkur, qarorkhoi SHuroi nozironi Bonk va farmonhoi Raisi Bonk amal mekunad;

1.6. Ba kor qabul va az kor ozod kardani kormandoni Hadamot, az yak joy ba joyi digar guzaronidan,  mukofotonidan va ba javobgari kashidani onho bo peshnikhodi Sardori Hadamot bo Farmoni Raisi Bonk mutobiqi qonunhoi amalkunandai JT dar borai mehnat surat megirad;

1.7. Maqsadu vazifahoi asosii Hadamot vobasta ba tagyiryobii vakolatho va vazifahoi ba dushi Hadamot voguzorshavanda vase gardida, tagyir meyoband. 

1. MAQSAD VA VAZIFAHOI ASOSI

Maqsad va vazifahoi asosii Hadamot – in piyodasozii  talaboti siyosati idorakunii khavfho ba shumor rafta, Bonk dar surati rioyai sharthoi muayyan bo fishangho az qabili: nizomi hududho, nizomi salohiyat va qabuli qarorho, durnamoii robitavi, siyosati ittilooti (az jumla nizomi akhboroti), majmui chorabiniho dar holathoi buhroni va nizomi nazorati ba hadaf  merasad.

Inchunin, Hadamot vazifahoi zerinro ba uhda girifta faoliyati khudro ba samthoi zerin ravona mesozad:

2.1. Tashkil va korkardi hisobotho, omodasozii guzorishho vanaqshai chorabiniho makhsusan dar vaziyati buhroni moliyavivobasta ba idorakunii khavfho;

2.2. Tahlilu bahodihii majmuii khavfhoi imkonpazir va

joydoshta bo yorii usulhoi mukhtalif, nazoratu monitoringi rioyai meyorho, nishondihandahoi moliyavi va amaliyothoi faol (sifati sanduqi qarzi), inchunin durust muayyan shudani narkhi odilonai vositahoi moliyavi dar alohidagi az rui faoliyati sokhtorhoi amaliyoti bo suporishi Raisi Bonk. Hamzamon rasonidani malumoti dakhldor va khususiyati favri  doshta, ba Rohbariyat va peshnihodi khulosaho bo nazardoshti rohhoi idorakuni va andeshidani tadbirho;

2.3. Korkard va ishtirok dar omodasozii loihahoi nizomnomaho va dasturu dasturamalho dokhilii ba  faoliyati Hadamot dakhldoshta dar Bonk;

2.4. Barrasii parvandahoi qarzi va peshnihodi fikru mulohiza  va khulosa bobati idorakunii khavfho, asosan idorakunii khavfi qarzi, muvofiqa va tahlil namudani durust bahoguzori shudani qobiliyati qarzadokunii qarzgiranda;

2.5. Barrasi va peshnihodi fikru mulohiza va khulosa az rui loihai khizmatrasoniho, mahsulothoi bonki jorishavanda va hamkoriho bo bonkhoyu shirkatho;

2.6. Sanjishi amaliyothoi guzaronidashudai Bonk va shirkathoi fari, peshnihodi guzorishu hisobot az rui sanjishho va peshnihodi chorahoi tasirrason baroi khatogihoi va amalhoi nomatlubi oshkorgardida  nisbati shakhsoni dakhldor;

2.7. Idorakunii (oshkornamoi, tahlilu bahodihi, monitoring, nazorat va/yo kam kardani khavfho) khavfhoi mamul va/yo mavjuda dar bonkro bo yorii usulhoi mukhtalifi tahlili.

2.8. Peshnihodi naqshaho az rui samti kori Hadamot bo tartibi

muqarrarshuda baroi barrasi va qabuli qarorhoi dakhldor;

2.9.  Peshnihod namudani malumot na kamtar az yak marotiba dar se moh ba Rayosati Bonk va na kam az yak marotiba dar nim sol ba SHuroi noziron doir ba khavfhoi mamuli bonk makhsusan qarzi,  az jumla dar zaminai nazorati  majmui, az rui qarzgiron,  sohahoi iqtisodiyot, mintaqaho va sarmoyaguzoriho;

2.10. Tasnif va bahodihii khususiyatho va sifati sanduqi qarzi

dar yakjoyagi bo sokhtorhoi dakhldori Saridora;

2.11. Tahlil va bahodihi, monitoring, nazorati rioyai meyorho va

peshnihod namudani khulosayu tavsiyaho oidi roh nadodan ba sathi

khavfnok;

2.12. Guzaronidani stress – test va natijahoi onro istifoda

burdan zimni qabuli qarorhoi strategi dar mavridi qabuli

khavf va nazorati khavf;

2.13. Tahlil namudani malumot va nishondihandahoi zerin:

– hisoboti tavozuni va gayritavozuni, inchunin hisobhoi foida

va ziyone, ki ba digargunshavii sharoiti iqtisodi hassos hastand;

– baland bardoshtani meyori foiz va kam kardani muhlati

pardokhti qarzhoi giriftai Bonk va digar qarzhoi beruni;

– ehtimolan kam shudani hajmi amonathoi shakhsoni huquqi va

pasandozi shakhsoni voqei;

– zaif gardani pardokhtpaziri, tagyir yoftani narkhi vositahoi

moliyavi;

– darajai bozpardokht nashudani qarzhoe, ki bo asori khoriji

doda shudaand;

2.14. Tahlil va muayyan namudani  samaranokii tartibi baho

dodani  kifoyatii tamini garav:

– qoidahoi hisobu kitobi kifoyatii tamini garav (masalan

meyori (koeffitsienti) arzishi qarz nisbat ba arzishi garav,

aznavbahodihii garav);

– usulhoi operativii baho dodani kifoyatii tamini garav bo

nazardoshti tagyiroti nishondihandahoi faoliyati istehsolii

qarzgir, hifzu nigahdorii tamini garav, az jumla ba holathoi

favquloda (fors-major) duchor shudani on;

– sanjishi predmeti garav;

– az nav baho dodani amvoli gayrimanquli ba garav guzoshtashuda,

az jumla az rui qarzhoe, ki ba shakhsoni huquqi baroi kharidani

amvoli gayrimanqul doda shudaand, az rui khathoi qarzi,

akkreditivho va kafolatnomaho;

– aznavbahodihii arzishi kogazhoi qimatnoke, ki ba sifati garav

to pardokht shudan, nigoh doshta meshavand;

– baho dodani vazi moliyavii kafil va usulhoi bahodihi.

2.15. Tahlil namudani hajmi sarmoyaguzoriho va natijahoi onro

davra ba davra ba Rayosat va ba SHuroi noziron peshnihod namudan;

2.16. Baho dodan ba hassosiyati foizi, tahlil namudani

bahodihii gep, tarzero, ki dar on arzishi khavf (yo daromadhoi

khavfi) va  nazorat namudani khavfi foizi az nigohi

tagyiryobii hajm hamchun daromadhoi (kharojoti) davra ba davra

takrorshavanda;

2.17. Oshkor namudani omilhoi voqeie, ki ba badshavii farhangi

qarzdihi ovarda merasonad;

2. UHDADORIHO
   • Tatbiqi siyosati idorakunii khavfho, strategiya va maqsadhoi

Bonk;

3.2. Rioyai  tartibi (protsedurai) hujjatguzorii faoliyati Hadamot;

3.3. Bakaydgirii maktubho, darkhostho, va digar hujjathoi ba Hadamot voridshavanda va javobho ba onho;

3.4. Rioyai prinsiphoi asosii idorakunii khavfho az qabili kam kardani zarar va/yo zarar nadidan az faoliyat va tamini tanosubi munosib (behtarin) bayni foidanoki va sathi khavfhoi ba khud qabulnamuda, hangomi ijroishi uhdadorihoi vazifavi az tarafi kormandoni Hadamot;

3. HUQUQHO

Hadamot az rui tartibi muqarrarshuda huquq dorad:

4.1. Az rui tartibi muqarrarnamudai Bonk az sokhtorhoi

tarkibi malumotnomaho va digar hujjathoi zaruriro, ki baroi

ijroi uhdadorihoi khud zarurand, pursad;

4.2. Manfiathoi Bonkro az rui masalahoi dar salohiyathoi

Hadamot buda muarrifi va himoya  namoyad;

4.3. Doir ba behtar kardani tashkili kori Hadamot  va  takmili

sokhtori idorakunii on ba Raisi Bonk peshnihodho

kunad;

4.4. Zakhirahoi moddii (bazai moddi-tekhnikii) zaruriro baroi

ijroishi uhdadorihoi ba dush doshta va maqsadhoi guzoshtashuda

girad;

4.5. Baroi takmili ikhtisos va havasmandkunii kormandoni

    Hadamot dar muvofiqa bo Raisi Bonk baroi barrasi va

    qabuli qarorhoi dakhldor peshnihodho kunad.

4. MASULIYAT

Kormandoni Hadamot dar doirai qonunguzorii peshbinishuda javobgarand:

 

5.1 Baroi ijro nakardan va yo ba tavri zaruri ijro nakardani

vazifahoi dar nazdi Hadamot guzoshtashuda;

5.2. Baroi rioya nakardani mahdudiyatho, ijro nakardani

uhdadoriho va talabothoi raftoru odobi khizmati, vayronkunii

mankunihoe, ki az tarafi qonunguzorii Jumhurii Tojikiston

muqarrar karda shudaand;

5.3. Baroi vayron kardani   talaboti   sanadhoi  meyorii  huquqi;

5.4. Baroi fosh kardani malumoti ahmiyati sirri bonki

yo tijorati doshta;

5.5. Baroi beoseb va purra nigoh doshtani hujjatho va digar

malumothoe, ki ba Hadamot doda shudaand;

5.6. Baroi sodir kardani raftorhoi gayriintizomi.

5. MUNOSIBATHO (ROBITAHO) 

• Munosibati Hadamot bo sokhtorhoi tarkibii Bonk muvofiqi sokhtori idorakunii Bonk surat megirad.

Hangomi faoliyati khud Hadamot vobasta ba tashkili kor oidi idorakunii khavfho bo hamai sokhtorhoi dakhldori tarkibii Bonk hamkori mekunad.