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NAMUDHOI MONITORING VA TARTIBI GUZARONIDANI ONHO

Muqarraroti umumi: Doimo dar aloqa budani eksperti qarzi bo qarzgirandagoni khesh, ba sari vaqt muayyan namudani khavfho va ba dar holati ibtidoii sar zadanii qaziyaho, az jonibi Bonk andeshidani tadbirhoi dakhldori javobi, musoidat menamoyad.

In aloqai doimi, tariqi az jonibi eksperti qarzi muntazam nazorat kardani pardokhti qarz az tarafi qarzgiranda  va hamkorii doimi dar muhiti tijorat bo qarzgiranda, ba roh monda meshavad. Masalan, eksperti qarzi metavonad safarashro ba bozor, ki ba khotiri kharid namudan baroi khonaash bad az soati kori va / yo dar ruzi istirohat surat megirad, baroi tashrif ovardan ba nazdi qarzgirandagone, ki allakay qarzro giriftaand, istifoda namoyad.

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Bonk va ekspertoni qarzii on, boyad doimo baroi muoshirat ba qarzgirandagoni khesh dastras boshand.  Bo eksperti qarzi doshtani aloqai doimi, ba qarzgirandagon az on shahodat medihad, ki Bonk dar shakhsi eksperti qarzi ba sari vaqt va purra pardokhtani qarz, tavajjuhi ziyod dorand. Bo guzaronida shudani monitoring, eksperti qarzi doir ba qarzgiranda malumote ba dast meorad, ki ba u va Bonk baroi muvofiq gardonidani sharthoi khizmatrasonihoi moliyavii peshnihodshavanda ba talabothoi dakhldori qarzgirandagon, kumak menamoyad.

Ba gayr az in, monitoring ba eksperti qarzi doir ba sifati kori qarzgiranda malumot doda, baroi ba tavri doimi behtar namudani natijahoi on, kumak mekunad.

Boyad qarzgirandagon va qarzhoi onho, muvofiqi talabothoi Nizomnomai mazkur va dasturamali Bonki millii Tojikiston, az rui darajahoi gunoguni khavf darajabandi karda shavand. CHunin hisobotho doir ba tavsifi khavf, dar davrai pardokhti qarz, asosi monitoringi qarziro tashkil medihand.

 Namudhoi monitoring

Eksperti qarzi baroi hamai qarzhoi sanduqi qarziash javobgar ast. U vazifador ast, ki monitoringi naqshavi va gayri naqshavii tijorat, khojagii manzili va taminoti garavii qarzgirandaro (dar holati zaruri) guzaronad.

Monitorigho az jihati daraja ba du qism taqsim meshavand – Monitoringi standarti va monitoringi favquloda.

 Monitoringi maqsadnok istifoda burdani qarz

Baroi muayyan namudani chi tavr az jonibi qarzgiranda istifoda shudani qarzi ba u judo gardida, ba eksperti qarzi zarur ast, ki ba nazdi qarzgiranda safari sanjishi kunad. Tashriforii sanjishi pas az on surat megirad, ki qarzgiranda mol / tajhizot va gayraro, ki bo vositahoi qarzi kharidori shudaand, girifta boshad.

Sanai chunin tashriforihoi sanjishi, ba zamoni voridshavii molhoi kharidorishuda vobastagi dorad. Vale, boyad tashriforii sanjishi dar tuli yak moh, bad az doda shudani qarz surat girad.

Agar sukhan dar khususi qarzhoi marhila ba marhila dodashuda ravad, zarur ast, ki tashriforihoi sanjishi bad az peshnihodi mablagi har yak marhilai navbati surat girad.

Natijahoi tashriforii sanjishi dar sanadi istifodabarii maqsadnok darj megardand (zamimai №18). Dar sanadi istifodabarii maqsadnoki qarz, boyad malumot doir ba maqsadnok istifoda shudan / gayri maqsadnok istifoda shudani vositahoi qarzi va to kadom andoza tagyir yoftani qobiliyati qarzpardozii qarzgiranda, darj gardad.

Dar holati muayyan shudani gayri maqsadnok istifoda gardidani vositahoi qarzi va / yo bad shudani qobiliyati qarzpardozii qarzgiranda, boyad eksperti qarzi natijahoi taftishi khudro ba Kumitai qarzi baroi barrasii minbada va qabul namudani qaror peshnihod namoyad.

Sanadi monitoringi mukammal va khono pur karda shuda va imzo gardidaro ba parvandai qarzi meduzand.

Agar natijahoi sanjish ba Kumitai qarzi baroi barrasii minbada peshnihod shuda boshand, Paynavishti Kumitai qarzi, ki dar on qarori Kumitai qarzi darj gashtaast, inchunin ba parvandai qarzi dukhta meshavad.

Monitoringi standarti

Monitoringi standarti az jonibi eksperti qarzii masul, bo tartibi davragi – naqshavi, dar asosi sharthoi dakhldor ba monitoringi standartii dar Paynavishti Kumitai qarzi darj gardida, vale ba har hol na kamtar az yak marotiba dar yak semoha, guzaronida meshavad.

Maqsadi monitoringi standarti, sarivaqt muayyan namudani qaziyahoi paydoshuda dar tijorat va khojagii manzilii qarzgiranda, baroi peshgiri namudani ba takhir aftodan va bozpas nagardondani qarz meboshad. Hangomi guzaronidani monitoringi standarti, eksperti qarzi malumothoro doir ba masalahoi zerin jamovari menamoyad:

a) tagyir yoftani vazi moliyavi va digar tagyirotho dar tijorati qarzgiranda;

b) tagyir yoftani khavfhoi bo tijorat va khudi qarzgiranda aloqamandi doshta;

v) maqsadnok istifoda burdani vositahoi qarzi;

g) tagyirothoi aloqamand ba taminoti garavi va hojagii manzilii qarzgiranda;

d) digar holathoe, ki ba tijorat va khudi qarzgiranda tasir merasonand.

Az rui natijahoi monitoringi standartii guzaronidai eksperti qarzi, sanadi monitoringi standarti barasmiyat darovarda meshavad. Monitoringi standartii  qarzhoi mablagashon to 20 000 (bist hazor) dollari IMA, bo shakli soddakardashuda guzaronida meshavad va dar navbati khud monitoringi meyorii qarzhoi mablagashon ziyoda az 20 000 (bist hazor) dollari IMA ba tavri nisbatan vase guzaronida meshavad. Namunai sanadhoi monitoringi standarti, dar Zamimahoi № 19 va № 19(a) – i Nizomnomai mazkur ovarda shudaand.

Az rui natijahoi monitoringi standartii guzaronidashuda, eksperti qarzi imkoniyat dorad khulosahoyashro dar du shakl peshnihod namoyad:

a) agar natijai monitoringi standartii qarz musbi boshad – yane tijorati qarzgiranda rushd meyobad, khavfho ziyod nashudaand / kohish yoftaand, vositahoi qarzi maqsadnok istifoda meshavand, munosibati qarzgiranda ba bonk tagyir nayoftaast va khayrkhohona boqi memonand, qarzgiranda bo eksperti qarzi hamkori dorad va baroi guzaronidani monitoring musoidat menamoyad va gayraho – eksperti qarzi dar asosi shartnomahoi qarzii bo qarzgiranda bastashuda, davom dodani munosibathoi meyoriro peshnihod menamoyad.

b) agar natijai monitoringi standartii guzaronidashuda manfi boshad – yane tijorati qarzgiranda rushd nameyobad va / yo tamoyuli pastshavi ba nazar rasad, khavfho afzoyand, vositahoi qarzi maqsadnok istifoda nashavand, munosibati qarzgiranda nisbat ba bonk kullan tagyir yoftaast va bo dushvori bo bonk hamkori dorad, u ba guzaronidani monitoring moneaguzori menamoyad / musoidat namekunad va gayraho – eksperti qarzi peshnihod menamoyad, ki munosibathoi meyori bo qarzgiranda qat karda shuda, monitoringi faqulodda guzaronida shavad, ki az rui natijahoi on Kumitai qarzi qarori nihoiro doir ba qarzi mazkur qabul menamoyad.

 Dar namunai sanadi monitoringi qarzho baroi 20 000 (bist hazor) dollari IMA, inchunin joi kholie peshbini shudaast, ki dar on eksperti qarzi metavonad digar peshnihodhoi kheshro az rui natijahoi monitoringi guzaronida shuda, darj namoyad.

 Monitoringi favquloda

Baroi talab karda giriftani qarzi mushkilsiton, ekspertoni qarzi metavonand usulhoi gunogunro istifoda namoyand, ki muhimtarin az onho favran tashrif ovardan va dar holati zaruri sitonidan yo khud man namudani istifodabarii taminoti garavi meboshad. Usulhoi ilovagi dar nazar dorand:

    a) Guzaronidani monitoringi favquloda;

    b) Tashrif ovardan ba nazdi zominon / garav;

    v) Tashrif ovardan ba nazdi kheshovandoni qarzgiranda;

    g) Tashrif ovardan ba nazdi sharikoni qarzgiranda;

    d) Zanghoi telefoni va istifoda namudani digar vositahoi aloqa;

    e) Maktubhoi ogohkunanda – Ogohinoma;

    j) Zeri shubha boqi guzoshtani obruyu etibori namunavii qarzgiranda, bo rohi khabar dodan ba shakhsoni seyum, doir ba qobiliyati qarzpardozi nadoshtan va beetimodii intizomi qarzgiranda (bo darbargirii jamoat, hamsoyaho, kheshovandon va gayraho);

    z) Qat gardonidani SHartnomai qarzi va talab kardani purra pardokht namudani qarz;

    i) Musodira namudani taminoti garavii manqul, andeshidani tadbirhoi majburan pardokht namudan va furukhtani taminoti garavi;

    k) Tadbirhoi huquqi, bo darnazardoshti taftishoti sudi.

Monitoringi favquloda, hangomi sar zadani takhirho yo khud hangomi muayyan shudani qaziyaho va/yo bad shudani holati tijorat va/yo khojagii manzilii qarzgiranda guzaronida meshavad. Hangomi tashrif ovardan ba nazdi qarzgiranda, boyad eksperti qarzi ba holati tijorat va khojagii manzilii qarzgiranda ahamiyati jiddi doda, tahlili oid ba khavfho guzaronidaashro, ki pesh az dodani qarz, hangomi arzyobi namudani tijorat va khojagii manzilii mazkur surat giriftaast va/yo khud natijahoi monitoringi qablan guzaronidashudaro, ba inobat girad.

Ba eksperti qarzi zarur ast, ki sababhoi voqeii sar zadani qaziyahoi qarzgiranda va/yo ba takhir aftodanhoro muayyan kunad va ba tavri daqiq omuzad.

Ba eksperti qarzi zarur ast, to chi andoza qobiliyati qarzpardozii qarzgiranda ba samti manfi tagyir yoftaast/tagyir nayoftaast, bahoguzoi namoyad.

Boyad eksperti qarzi tahlili purrai moliyavii tijorati qarzgirandaro guzaronad. Dar asosi in malumotho boyad u ba Kumitai qarzi andeshidani tadbirhoero peshnihod namoyad, ki baroi pardokht namudani qarzi batakhir aftoda yo khud, agar zarur boshad, ba purra va pesh az muhlat bargardonidani qarz va foizhoi on musoidat namoyad.

Natijahoi monitoringi favquloda az jonibi eksperti qarzi dar Sanadi monitoringi favquloda darj karda meshavad (Zamimai № 20).

 Varaqaho va hamai hujjathoe, ki (bo darbargirii siyohnavisho) dar rafti monitoringi favquloda, baroi guzaronidani tahlili sababhoi ba takhir aftodan va qobiliyati qarzpardozi doshtani qarzgiranda istifoda shuda budand, boyad dar parvandai qarzii qarzgirandai mazkur dukhta shavand.

Tashrifi yakum

12.5.8. Dar khudi hamon ruze, ki qarzgiranda voridkunii navbati az rui qarz va/yo khud foizhoi onro ba takhir meguzorad, eksperti qarzii masul boyad ba nazdi u tashrif orad. Dar rafti in safari yakum, ba qarzgiranda doir ba uhdadorihoyash oidi sari vaqt, muvofiqi jadval, pardokht namudani voridkuniho az rui qarz va foizhoi on, khotirrason karda meshavad.

CHunin tashrifho ba nazdi qarzgirandagon, boyad az jonibi na kamtar du nafar kormandi vohidi amaliyotii Bonk surat girad.

 Eksperti qarzi boyad fahmonda dihad, ki:

            a) ba takhir guzoshtan, binobar sababi foizhoi mujozoti baroi qarzgiranda garon meaftad;      b) odobi manfii pardokhtkuni imkoniyathoi qarzgirandaro baroi dar oyanda takroran giriftani qarz kohish medihad;

            v) payomadi pardokht nakardan, majburan furukhta shudani amvoli ba garav guzoshtashuda meshavad, dar holati zaruri, bo rohi taftishoti sudi (dar doirai qonunguzorihoi amalkunandai Jumhurii Tojikiston);

            g) agar ba qarzgiranda dar doirai nizomi darajabandi khizmat rasonida shavad, khavfi jiddii berun namudani u az nizomi mazkur mavjud ast.

Zarur ast, ki ruzi ba Bonk omada qarzdorii mavjudaro pardokht namudani qarzgiranda, muvofiqa karda shavad. Ruzi navi muvofiqa shudai pardokht, to darajai imkon boyad nazdiktar boshad. Ba sanai digar guzaronidani sanai voridkuni, ki eksperti qarzi va qarzgiranda doir ba on hangomi guzaronida shudani monitoring ba muvofiqa rasidaand, az sanai pardokhti voridkunii mazkur az rui qarz va/yo foizhoi on, boyad az 10 ruz beshtar naboshad. Vale, ba har hol ba vaqti digar guzaronidani sanai pardokhti voridkunii mazkur, naboyad az sanai vordkunii navbati dertar boshad. Eksperti qarzi vakolatdor nest ba ruzi bad az voridkunii navbati, az rui jadvali pardokhtho yo khud ba beshtar az 10 ruz az sanai in voridkuni, muvofiqi jadvali pardokhtho, ba batakhirguzori rozi shavad.

Hamai on chize, ki gufta shud, boyad dar sanadi monitoringi favquloda, arizahoi imzo guzoshtai qarzgiranda (boyad ba Sanad zamima gardand) inikosi khudro yoband va az jonibi eksperti qarzii masul va Kumitai qarzii vohidi amaliyotii Bonk, tahti nazorat qaror doda shavand.

Ba eksperti qarzi ijozat doda nameshavad, ki az qarzgiranda pul (naqd) qabul namoyad va az nomi u ba Bonk vorid kunad. Boyad eksperti qarzi qarzgirandaro ba binoi vohidi amaliyotii Bonk guselonad, to ki voridkuni favran surat girad.

Baroi on ki tashrifi ovardashuda samarai beshtar doshta boshad, eksperti qarzi boyad malumotho va vositahoi zerinro dar dast doshta boshad:

      a) nuskhai SHartnomai qarzi bo jadvali pardokhtho, nuskhai shartnomahoi garav va zamonati bo zamimahoyashon. In baroi bo qarzgiranda pesh burdani guftushunidi natijabakhshi rasmi va bosavodona zarur ast;

            b) maktubi rasmii ogohkunanda az nomi vohidi amaliyotii Bonk va nuskhai on. In ba eksperti qarzi imkoniyat medihad, ki hatto dar holati dar joi khud nabudani qarzgiranda, ba u Ogohinomai rasmi guzoshta ravad.

Agar bo pardokht namudani qarz mushkilote pesh oyad – eksperti qarzi mutmain meshavad, ki in batakhirafti khatarnok meboshad va tashriforii mazkur natijae namedihad – boyad eksperti qarzi va kormandi hamrohi u rafta, favran amvoli ba garav guzoshtashudai manqulro, ki dar dasti qarzgiranda ast, musodira namoyand va ba binoi vohidi amaliyotii Bonk ovarda rasonad (yane tagyir dodani mahalli joygirshavii taminot bo garav, bo maqsadi ba sathi haddi aqal rasonidani khavfhoi paydogashta). Zarur ast, ki Sanadi musodirai amvoli manqul tartib doda shuda, az jonibi du nafar kormandi safar namudai Bonk va khudi qarzgiranda ba imzo rasad, badan yak nuskhai on ba qarzgiranda doda shavad. Eksperti qarzi boyad donad va ba qarzgiranda fahmonada dihad, ki hamai in amalho dar doirai qonunguzorihoi amalkunandai Jumhurii Tojikiston va shartnomahoi bayni Bonk va qarzgiranda ba imzo rasida, surat megirand. Vale dar holate, ki agar qarzgiranda gayri muqarrari raftor kunad (tahdid namudan, gavgo bardoshtan, roh nadodani kormandoni Bonk ba manzili istiqomati va/yo ba mahalli tijorat va gayraho), ba kormandi Bonk vorid shudan ba munoqisha va andeshidani tadbirhoi gayriqonuni man karda shudaast. Boyad onho ba qarzgiranda maktubi rasmii Ogohkunandaro (Ogohinoma) dihand va imzoi qarzgirandaro dar nuskhai maktub, ba sifati tasdiq doir ba giriftani in maktub girand, ba qarzgiranda payomadi ba takhir aftodan va amalhoyashro fahmonand. Eksperti qarzi Sanadi monitoringi favqulodaro tartib medihad, ki dar on malumothoi dar rafti monitoringi guzaronidashuda ba dast omadaand, darj megardand. Bad az in, kormandoni Bonk boyad ba vohidi amaliyotii khesh bozgashta, doir ba natijahoi safarashon ba Rohbar va Sardori bakhshi bonkdorii korporativii vohidi amaliyotii Bonk khabar dihand. Badan jalasai gayrinavbatii Kumitai qarzii vohidi amaliyotii Bonk davat karda meshavad va pas az muhokima namudani vaziyati ba amal omada, doir ba tadbirhoi andeshidashavandai minbada qaror qabul karda meshavad.

Tashrifi duyum

 Agar qarzgiranda dar ruzi muayyanshuda qarzi batakhir aftodaro pardokht nakunad, zarur ast, ki marotibai duyum ba nazdi u tashrif ovarda shavad. Dar jarayoni in safar eksperti qarzi bori digar doir ba uhdadorihoi qarzgiranda dar nazdi Bonk khotirrason menamoyad. Sipas eksperti qarzi Sanadi navi monitoringi favqulodaro tartib medihad. Dar in Sanad az jonibi eksperti qarzi sanai navi bo qarzgiranda muvofiqa shudai pardokhtani voridkuni az rui qarzi batakhir aftoda va/yo foizhoi on, darj karda meshavad. Ba takhir guzoshtani sanai pardokht namudani voridkuni, ki doir ba on dar rafti guzaronida shudani monitoring eksperti qarzi va qarzgiranda ba muvofiqa rasida budand, naboyad beshtar az 10 ruz az sanai pardokhtani voridkunii mazkur boshad. Vale, ba har hol batakhirguzorii mazkuri sanai pardokhti voridkuni, naboyad az sanai voridkunii navbati az rui qarz va/yo foizhoi on, dertar boshad. Eksperti qarzi vakolatdor nest ba ruzi bad az voridkunii navbati az rui jadvali pardokhtho yo khud muvofiqi jadvali pardokhtho az sanai in voridkuni ba beshtar az 10 ruz ba takhir guzoshtani sanai voridkuni, rozi shavad.

Ba gayr az in, ba eksperti qarzi zarur ast, ki peshaki (to tashrifori) namunai SHartnomai ilovagiro ba shartnomai amalkunandai garav az rui qarzi qarzgirandai dakhldor omoda sozad va onro bo khud girad. Dar holati bo qarzgiranda az nav muvofiqa kardani sanai pardokhti qarzi batakhir aftoda, eksperti qarzi ba qarzgiranda oidi barasmiyat darovardani garavi ilovagi, ba sifati amvoli manqul va/yo  zamonat taklif peshnihod namuda, dar barobari in SHartnomai ilovagiro ba SHartnomai amalkunandai garav barasmiyat medarorad va ba imzo merasonad. Bo in tarz, Bonk guzashtho namuda, ba qarzgiranda baroi pardokhtani qarzi batakhir aftodaash muhlat medihad, dar navbati khud qarzgiranda bo ishora ba ijro namudani muvofiqai nav, garavi khudro purratar menamoyad. Vale nihoyat muhim ast, qarzgiranda dark namoyad, ki batakhir guzoshtani pardokhti qarzi batakhir aftoda, tanho yak marotiba imkonpazir ast. Boyad muvofiqai nav, az jonibi qarzgiranda be chunu charo rioya karda shavad.

Dar holati vorid namudani taminoti garavi ilovagi, boyad tartiboti muqarrarii barasmiyat darovardani garav rioya gardad.

 Dar tuli in davra, hisob kardani foizhoi muhlatnok va jarimavi idoma meyobad.

Hamai tadbirhoe, ki az jonibi qarzgiranda baroi pardokht namudani qarzash andeshida meshavand, boyad dar parvandai qarzii u inikos shavand. Ba in khotir, boyad namunai Sanadi monitoringi favquloda pur karda shavad va hangomi tashrif ovardan qaydhoi dakhldor darj gardand. Boyad eksperti qarzi hamai bamuvofiqarasiho bo qarzgiranda, vadaho va digar peshnihodhoi qarzgiranda/garavdeh/vakolatdehro ba shakli khatti qayd namoyad (Arizaho, Bayonotho va gayra).

Tavre dar bolo zikrshudaast, hamai tatbirho va qadamhoe, ki bo maqsadi pardokht namudani qarzi batakhir aftoda andeshida shudaand, boyad hujjati kunonida shavand va ba parvandai qarzi dukhta shavand.

Dar holati rioya nakardani bamuvofiqarasii nav, ki dar hujjatguzorii tashriforii sanjishi (monitoring) inikos yoftaand, boyad favran va purra sharthoi SHartnomai qarzi, SHartnomai garav va zamonati ijro karda shavand. Ijro nakardani qadami mazkur az notavonii Tashkilot shahodat medihad, ki az on qarzgirandagon metavonand suyistifoda barand. Agar sukhan dar khususi musodira namudani amvoli manquli ba sifati garav guzoshtashuda ravad, eksperti qarzi metavonad talab namoyad, ki bo u namoyandai khadamoti kor bo qarzhoi mushkilsitoni Bonk yo khud digar kormandoni vohidi amaliyoti, hamroh firistoda shavand.

Dar holati duru daroz, beshtar az yak voridkuni tul kashidani takhir, Rohbari vohidi amaliyoti va Rohbari bakhshi qarzi vazifadorand bevosita dar yakjoyagi bo eksperti qarzi, dar jarayoni majburan pardokht namudani qarzdori, ishtirok namoyand.

 Dar holati pai ham, dar muhlati dar jadvali pardokhtho muqarrarshuda napardokhtani qarz, Kumitai qarzi metavonad talab namoyad, ki vositahoi qarzii az jonibi qarzgiranda giriftashuda, purra va pesh az muhlat bozpas gardonida shavand.

Dar holate, ki dar rafti monitoring muayyan karda shavad, ki sharthoi shartnomai rioya karda nameshavand yo vazi moliyavii tijorat ba tavri nazarras bad shudaast, Kumitai qarzi metavonad talab namoyad, ki vositahoi qarzii az jonibi qarzgiranda giriftashuda, purra va pesh az muhlat bozpas gardonida shavand.

In metavonad ba zarurati az jonibi eksperti qarzi, az rui tartiboti dar bolo zikrgardida, musodira gardidani amvoli manquli ba garav guzoshta shuda, ovarda rasonad.

Maktubhoi ogohikunanda – Ogohinoma, maktubi iddao

Maktubhoi Ogohikunanda – Ogohinoma (Zamimahoi №21 va №22) ba sifati usuli pardokhti qarz, tasiri zaif merasonand, vale az nuqtai nazari huquqi muhim meboshad. Boyad ba munosibathoi shakhsi bo qarzgiranda ahamiyati jiddi doda shavad. Ba in nigoh nakarda, zarur ast, ki maktubhoi Ogohikunanda, dar holati ba takhir aftidani pardokhtho istifoda shavand. Inchunin, dar holate, ki Bonk majbur meshavad, ba tavri gayri sudi va yaktarafa, be rizoiyati qarzgiranda amvoli manquli ba garav guzoshtashudaro furushad, maktubhoi Ogohikunanda naqshi kalidiro mebozand.

Tamos bo zamonatdeh va / yo garavguzor

Dar hamai holathoi sar zadani takhir az rui qarz, zarur ast, ki bo zominon, garavguzoron va digar shakhsone, ki ba shartnoma imzo guzoshtaand, ba tamos baromada, doir ba az jonibi qarzgir ijro nashudani uhdadorihoyash az rui qarz khabar dihand va bo isror talab namoyand, ki qarz pardokhta shavad. Agar kafolatdeh/zamonatdeh, garavguzor yo shakhsi digar, ki ba shartnoma imzo guzoshtaast, az ijro namudani uhdadorihoi ba zimma giriftaash dast kashad, u metavonad zeri taqibi sudi karor girad, ba misli on ki khudi qarzgiranda / qarzgir niz zeri taqibi sudi qaror megirad.

Dida baromadani peshnihodho / masalahoe, ki bo qarzhoi ba takhiraftoda / mushkilsiton aloqamandi dorand

 Natijahoi monitoringi favqulodai qarzhoi batakhir aftoda / mushkilsiton, az jonibi Kumitai qarzii filial/vohidi amaliyotii Tashkilot, baroi dar doirai vakolati khesh qabul namudani qaror az rui in qarzho, dida baromada meshavand. Tavsiya doda meshavad, ki dida baromadan/barrasi namudani qarzhoi batakhir aftoda/ mushkilsiton, ba tavri alohida,  to shuru shudani muhokimaho az rui darkhosthoi qarzii qarzgirandagon, surat girand. Novobasta az mavjud budani darkhosthoi qarzii qarzgirandagon va peshnihodi qarzii ekspertoni qarzi, Kumitai qarzii filial/vohidi amaliyotii Tashkilot vazifador ast, na kamtar az yak marotiba dar yak hafta, baroi muhokima namudani vazi qarzhoi ba takhir aftoda/mushkilsiton, peshnihodho oid ba pardokhtani onho va tadbirhoi minbad az jonibi Tashkilot andeshida shavanda, jam shavad.

Har yak jalasa boyad muayyan namoyad:

  • sababhoi batakhir aftidani pardokht az rui qarz;
  • maqsadhoi daqiq va naqshai tadbirhoi andeshidashavandaro oid ba sitonidani qarzho to haftai oyanda.

Har yak jalasai chunin Kumitahoi qarzi, boyad az barrasii Paynavishti jalasai qabli shuru shavad.

 Kumitai qarzi va azoyoni on, kormandoni filial / vohidi amaliyotii Tashkilot, boyad naqshai amali dar jalasai Kumitai qarzi qabul shuda va dar Paynavishti on inikos yoftaro, qatiyan rioya namoyand.

Agar beshtar az 3% – i sanduqi qarzii eksperti qarzi zeri khavf (ba takhir aftoda) qaror doshta boshad, boyad in eksperti qarzi har ruz dar nazdi Sardor va Rohbari bakhshi bonkdorii korporativii vohidi amaliyotii Bonk, hisobot dihad.

Agar beshtar az 5% – i sanduqi qarzii eksperti qarzi zeri khavf (pardokht az rui qarz va/yo foizhoi on beshtar az yak ruz az jadvali pardokhtho ba takhir aftodaast) qaror doshta boshad, pas chunin eksperti qarzi az minbad dida baromadani darkhosthoi qarzii qarzgirandagon barkanor karda meshavand. Boyad eksperti qarzii mazkur, tamomi kushishu gayrati khudro ba sitonida giriftani qarzhoi batakhir aftoda ravona sozad to, ki sanduqi qarzii u az 3% kamtar ba khavfho boshad.

 

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