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Nizomnomai SHubai khazinadori va hisobbarobarkuni

SHubai khazinadori va hisobbarobarkuni  (minbad «SHuba») sokhtori front-ofisii JSP  «Bonki baynalmilalii Tojikiston»  (minbad «Bonk»)  buda, ba hududi javobgarihoi u masalahoi tashkil va peshburdi amaliyothoi khazinadori, tashkil va hamohangsozii amaliyothoi hisobbarobarkunii bonki, tamini nigohdorii pulho va arzishho dar Mahzanhoi mintaqavii naqdina, tashkili tahvil va intiqoli pulhoi naqd va digar arzishho bayni  vohidhoi amaliyotii bonk va digar tashkilotho dokhil meshavad.

            1.2. SHuba dar faoliyati khud ba Muovini Raisi Bonk tobe ast va u Sarparasti SHuba meboshad.

            1.3. SHuba faoliyati khudro dar asosi qonunguzori, sanadhoi meyorii huquqii amalkunandai Xumhurii Toxikiston, sanadhoi meyoriyu huquqii Bonki millii Toxikiston, Oinnomai Bonk va digar sanadhoi meyorii dokhilibonki, inchunin Nizomnomai mazkur ba amal mebarorad.

          1.4. Sokhtor, miqdori hayat va muzdi mehnati kormandoni SHuba az jonibi Raisi Bonk, ki az jonibi shubai kormandon peshnihod megardad, tasdiq karda meshavad.

         1.5.SHubaro sardori SHuba, ki rohbarii umumiro dar tamomi faoliyati SHuba tamin menamoyad va javobgarii shakhsi baroi ijroishi vazifa va masalahoi ba u guzoshta shudaast, ba uhda dorad. Ba hayati rohbarikunandai SHuba gayr az sardori SHuba, muovinoni sardori SHuba, sardoroni shubaho va jonishinoni onho, Rohbari Makhzani markazii naqdina dokhil meshavand. Kormandoni rohbarikunandai SHuba dar asosi farmoni Raisi Bonk ba vazifa tain va az vazifa ozod karda meshavand.

            1.6. Tasdiqi Dasturamalhoi mansabi va talabothoi takhassusi ba vazifahoi bastii kormandoni SHuba dar muvofiqa bo SHubai kormandon az jonibi sardori SHuba ba roh monda meshavad.

            1.7. Kormandoni SHuba ba vazifahoi ozod tibqi tartibi dar Bonk muqarrarshuda bo peshnihodi sardori SHuba tain karda meshavand. Kormandon bo qarordodi mehnati ba muhlati az jonibi Korfarmo muqarrar gardida ba kor jalb karda meshavand. Pesh az ba kor qabul kardan, Korfarmo huquq dorad ozodona sathi imkoniyathoi takhassusii kormandi jalbshavandaro baho dihad, yo ki ba Komissiyai takhassusii JSP  «Bonki baynalmilalii Tojikiston»  inro voguzor namoyad.

            1.8. Dar holati qisman nomuvofiq budan ba talabothoi takhassusi, mumkin ast ba kormandi jalbshavanda muhlati ozmoishii na ziyoda az 3 moh, muqarrar karda shavad.

  1. MAQSAD VA VAZIFAHOI SHUBA
    • 1. Maqsadi SHuba nigoh doshtani sathi pardokhtpaziri dar haddi meyorhoi muqarargardida va tasdiqshuda, ziyod namudani foidai Bonk az hisobi amaliyothoi khazinadorii bonki, tashkil va peshburdi amaliyothoi hisobbarobarkuni, sarvaqt va bekhatar tahvil va intiqol namudani pulhoi naqd va digar arzishho bayni vohidhoi amaliyotii Bonk meboshad.

2.2 Vazifahoi SHuba inho meboshand:

  • Nigoh doshtani sathi pardokhtpaziri dar hududi meyorhoi khavfi pardokhtpaziri muayyan va muvofiqashuda;
  • Jalbi zakhirahoi qarzi az bonkho va tashkilothoi moliyavi bo maqsadi tamin namudani vohidhoi amaliyoti bo zakhirahoi qarzi;
  • Joygirkunii samaranoki vositahoi puli bo maqsadi ba daromadnokii baland rasidan;
  • Ijroishi qarorhoi Kumitai idorakunii aktivho va passivho;
  • Baland bardoshtani obrui sahmiyahoi JSP «Bonki baynalmilalii Tojikiston»  ba vositai tamini joygirkunii balandi onho, faoliyati samarabakhsh bo qogazhoi qimatnoki bonkhoi digar va jamiyathoi moliyavi;
  • Muayyan namudani arzishi zakhirahoi qarzii jalbshavanda;
  • Nazorati gardishi puli bo maqsadi tamini vositahoi lozima baroi guzaronidani pardokhthoi dar peshbuda;
  • Nazorat az rui taharruki hajm va foidanokii mavqei savdo (harid/furushi asor, qogazhoi qimatnoki davlati va shirkati, sahmiyaho), inchunin darajai afzoishi onho;
  • Amaliyothoi mubodilai asor (FOQUX) vobasta ba talabot;
  • Taminoti khazinahoi vohidhoi amaliyotii Bonk bo pulhoi naqdi;
  • Muayyan namudani qurbhoi foidanoki tijoratii kharidu furushi asori khoriji va monitoringi qurbhoi mubodilai asorho;
  • Muqarrar namudan, nazorat va ijroi meyorhoi mavqei asori;
  • Ishtirok dar savdoi baynibonkii asori va bonknoti ba vositai nizomhoi elektroni;
  • Noilshavi ba yagonagii tashkil va nazorati amaliyothoi hisobbarobarkunii bonki dar hama vohidhoi sokhtorii Bonk, ki imkoniyati kam namudani khavfhoi amaliyotii Bonkro faroham meovarand;
  • Tamini bozshumori, navbandi, murattabsozi va tashkili nazorat az boloi tozagii pulhoi naqd;
  • Tashkili chorabiniho baroi dar sathi navi tekhnologi va amaliyoti bardoshtani khizmatrasonihoi hisobbarobarkunii Bonk;
  • Nazorat va tamini sarivaqt barqaror gardidani mablaghoi intiqolii dodashudai tamomi vohidhoi amaliyoti tavassuti Nizomhoi intiqolii baynalmillali az rui SHartnomahoi bastashuda.
  • Tashkili chorabinihoi nazorati dokhili oidi muqovimat ba qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm.
  • Tahvili puli naqd, puli mayda, arzishho, hujjatho va jamovarii mablaghoi tashkilothoi savdo va inchunin naqli borhoi nihoyat muhim va qimmatnok.

  1. SOHTORI TARKIBII SHUBA

   Sokhtori tarkibii SHuba az 4(chor) SHuba va Mahzani markazii naqdina iborat meboshad:

  • SHubai nazorati pardokhtpaziri,zakhiraho va amaliyothoi dilingi;
  • SHubai tahvil va intiqoli arzishho;
  • SHubai hisobbarobarkunii baynibonki;
  • SHubai hamohangsozii hisobbarobarkuni va intiqoli mablagho;
  • Mahzani markazii naqdina.

4.      UHDADORIHOI VAZIFAVII SOHTOR[OI SHUBA

4.1. Bo nazardoshti sokhtori tarkibii SHuba va salohiyathoi ba on peshnihodshuda, dar alohidagi ba shubaho va Mahzani ba SHuba taalluqdoshta uhdadorihoi zerin voguzor karda meshavand:

Ba SHubai nazorati pardokhtpaziri, zakhiraho va amaliyothoi dilingi:

  • Tashkil kardani sokhtori matlubi tavozun bo maqsadi giriftani daromadnokii balandtarin;
  • Nazorat burdan va ba tanzim darovardani sathi pardokhtpaziri;
  • Nazorat az boloi sathi kifoyati sarmoya;
  • Muqarrar namudan va nazorati meyorho az rui amaliyothoi faoli vohidhoi amaliyoti;
  • Jamovarii zakhirahoi qarzi az sarchashmahoi beruna va vohidhoi amaliyoti baroi dubora va samaranok boztaqsim namudan ba vohidhoi amaliyoti, ki joygirkunii in zakhiraho (muvofiqi siyosati foizi az rui zakhirahoi qarzi) daromadnokii zaruriro tamin menamoyad;
  • Tahiyai peshnihodot oidi gustarishi vositahoi jalbshavanda va joygirkunihoi faol az rui muhlat va arz, baroi qabuli qaror az tarafi Kumitai idorakunii aktivho va passivho;
  • Barrasii loihahoi shartnomahoi qarzii baynibonki va dodani khulosaho oidi imkoniyati joygirkunii maqsadnoki vositahoi kharidorishuda dar asosi tahlili khususiyathoi holathoi moliyavii bonk (bo nazardoshti darkhosthoi qarzii vohidhoi sokhtori bonk);
  • Peshburdi kor oidi narkhguzori, maqsadi nihoi – muayyan namudani jubroni haqiqii vositahoi kharidorishavanda (dar alohidagi ba ahdhoi baynibonki), hisobi foidanokii voqei az joygirkunii onho;
  • Peshburdi doimii omuzishi sanduqi zakhiravii JSP «Bonki baynalmilalii Tojikiston»  va peshnihodi malumothoi tahlili bo maqsadi halli favrii masalahoi joygirkunii samaranokii nihoi zakhirahoi qarzi;
  • Ijroishi amaliyothoi lozima dar hamkori bo baqaydgirii mustaqili sahmiyahoi JSP «Bonki baynalmilalii Tojikiston»  oidi tartib dodani fehrasti sahomon;
  • Guzaronidani chorabiniho oidi barorishi sahmiyahoi JSP «Bonki baynalmilalii Tojikiston» ;
  • Nazorat va ba nizom darovardani pursishnomahoi sahomon;
  • Tashkil namudani kor bo qogazhoi qimatnoki digar sokhtorhoi moliyavi;
  • Ishtirok dar chorabinii guzaronidani majlisi sahomon;
  • Tashkili kor az rui tayyor namudani ruykhati sahomon va hisob namudani sudi sahmiyaho ba onho az rui jambasti sol;
  • Justuju namudani sarmoyaguzoroni vataniyu khorijii afzaliyatnok;
  • Tayyor namudani hisobi arzishi bozorii sahmiyahoi bonk;
  • Tahiya namudani loihai korhoi metodologi az rui sahmiyaho va digar qogazhoi qimatnoki bonk;
  • Tahiya va tatbiq namudani namudhoi navi khizmatrasoni va amaliyot bo qogazhoi qimatnok. Tashkili furushi qogazhoi qimmatnoki bonk;
  • Ishtirok dar Birjahoi fondii vatani oidi narkhguzorii qogazhoi qimmatnoki khudi va digar korkhonaho hamchun diler broker;
  • Hizmatrasonii andereytingi, brokeri, dileri va digar amaliyothoi bozori qogazhoi qimatnok;
    • SHirkat varzidan dar savdoi baynibonkiii asori;
    • Guzaronidani amaliyothoi foreksi ba vositai nizomhoi elektroni;
    • Guzaronidani kharidu furush dar asosi darkhosthoi filialho az rui barnomai «Maydonchai savdo»;
    • Guzaronidani amaliyothoi mubodilavi bo maqsadi ba tanzim darovardani mavqei asorii Bonk;
    • Guzaronidani amaliyothoi asori-mubodilavi az nomi bonk yo ba vositai shirkathoi brokeri yo in ki ba vositai miyonaravho dar bozorhoi asori;
    • Bastani shartnomahoi forvardi va bonknoti bo bonkho, tashkilothoi moliyavi va shakhsoni huquqi;
    • Guzaronidani amaliyothoi SVOP, SPOT bo bonkho va tashkilothoi moliyavi;
    • Favran ijro namudani darkhosthoe, ki az tarafi sokhtorhoi amaliyotii Bonk va digar bonkho peshnihod megardand, bo rohi tashakkuldihii amaliyothoi muhosibavi, tayyor namudani varaqahoi khazinavii kharojoti (daromadi) va peshnihodi minbadai onho ba kormandoni bek-ofis.
    • Tamini nazorati baqiyai khazinahoi sokhtorhoi amaliyoti va Mahzanhoi mintaqavi dar doirai meyori khazinavi;
    • Tartib dodani maktubho ba Bonki millii Tojikiston oidi barovardani pulhoi farsuda va korshoyam baroi purra namudani hisobi murosilotii Bonk.
    • Tartib dodani darkhostho ba Bonki millii Tojikiston oidi vorid namudani hamarzishhoi puli – somoni, baroi purra namudani khazina va bankomathoi Bonk.
    • Tartib dodani hisobot oidi amaliyothoi tavassuti Bonki millii Tojikiston guzaronidashuda.
    • Burdani mukotibot, peshnihodi javobho ba maktubhoi sodir shuda, barrasii arizaho va peshnihodhoi shakhsoni huquqi va voqei oidi masalahoe, ki ba faoliyati SHuba taaluq dorand.
    • Ishtirok dar tahiyai bujai bonk nisbati korhoi ba SHuba taalluqdoshta.

Ba SHubai  tahvil va intiqoli arzishho:

  • Tahiya namudani hujjathoi metodi va meyoriro, ki ba baland bardoshtani sathi tashkili intiqoli pulhoi naqd va digar arzishho bayni Saridorai bonk va filialho, inchunin rasonidani puli naqdi mizojon, tahvili mablagi savdo va hifzi komili onho zimni intiqol va nigohdori ravona shudaand;
  • Tashkil namudani chorabiniho oidi bekhatarii kormandoni shubai tahvil va intiqoli arzishho, baland bardoshtani tayyorii jismoni va behsozii sharoiti kori onho;
  • Ba roh mondani korho oidi az jihati tekhniki tajhizonidani shubai tahvil va intiqoli arzishho, jori namudani navovarihoi tekhnikii peshqadam,  tamini holati tekhnikii avtomobilho va vositahoi aloqa.
  • Tamini kormandoni shubai tahvil va intiqoli arzishho bo siloh, vositahoi moddi-tekhniki, libosi makhsus va rasmi;
  • Omoda namudani mavodho oidi duzdi, gumkunii arzishho, hujumho, goratshavihoi inkassatoron, gumkunii siloh, zakhirahoi jangi va dalelhoi holathoi favqulodda ba rohbariyati Bonk va inchunin az rui in hodisaho burdani taftishoti khizmati;
  • Tamin namudani rioyai qoidahoi nigohdori va istifodai siloh, muntazam guzaronidani darsho oidi omuzishi qismhoi moddii on, guzaronidani darshoi amali dar muvofiqa bo maqomoti korhoi dokhila;
  • Burdani nazorat az boloi tashkili kori inkassatoroni filialho oidi tamini hifzi arzishho, tashkili khatsayrhoi tahvilii voqei, rioyai jadvalhoi safari inkassatoron ba muassisaho, tartibi qabul va suporidani arzishho ba muassisaho va filialhoi bonk;
  • Ba tartibi muqarrarshuda az filialhoi mintaqahoi bonk hisobothoi zaruri va malumotho oidi korhoi inkassatoron baroi tahiyai hisobothoi jambasti va malumotho, guzaronidani tahlil va nazorat az boloi kori inkassatoroni mintaqaho qabul mekunad.

Ba SHubai hisobbarobarkunii baynibonki:

  • Amalisozi, barqaror namudan va inkishof dodani munosibathoi murosiloti bo bonkho va digar tashkilothoi qarzi:
  • Kushodan va burdani hisobhoi murosiloti Nostro, Loro bo asori milli va khoriji.
  • Favrikunoni va behtarkunonii hisobbarobarkunihoi bonkhoi murosiloti va filialhoi Bonk, inchunin bo digar bonkho va tashkilothoi qarzi dar asosi qabul namudani shaklho va usulhoi zamonavii hisobbarobarkuniho.
  • Asosnokkuni va jorinamoii tekhnologiyahoi zamonavi, ki taminkunandai bartariyat va favriyati guzaronidani amaliyothoi baynibonki meboshad.
  • Musoidat namudan dar jalb namudani zakhirahoi bonkhoi murosiloti bo tarzi ba roh mondani munosibathoi murosiloti.
  • Amalisozii nazorati ijroishi dasturulamalho, nizomnomaho va digar hujchathoi dokhilibonki, ki munosibothoi baynibonkiro ba tartib medarorad.
  • Tamini muntazami murofiqa va irsoli akhborothoi moliyavi tariqi shabakai SVIFT, makhfi nigoh doshtani ramzhoi on.
  • Tashkil va ishtirok dar guftushunidho bo namoyandagoni bonkhoi murosiloti oid ba masalahoi ba munosiboti baynibonki vobastabuda.
  • Amalisozii dodugirifti hujxathoi elektronii pardokhti bayni Markazi hisobbarobarkunii Bonki millii Tojikiston va bonkhoi murosiloti, filialhoi Bonk, ki mutobiq ba nizomnomahoi amalkunanda va sanadhoi meyori barasmiyat darovarda shudaast.
  • Tamini nazorati sarivaqti va durustii hisobbarobarkuniho tavassuti zerhisobhoi murosilotii vertualii filialho, bonkho va tashkilothoi qarzi tavassuti Nizomi bisyorasorai pardokhthoi elektronii JSP «Bonki baynalmilalii Tojikiston» .
  • Hal namudani masalahoi bahstalab bo bonkhoi murosiloti.
  • Burdani korhoi shikoyati oid ba korhoi hisobbarobarkuni (tranzaksioni).
  • Amalisozii sanjishi berunnavishtho va hisobhoi murosiloti, sarivaqt  tayyor namudani javobho ba pursishhoi bonkhoi murosiloti.
  • Omoda namudani maktubho az rui darkhosthoi bonkhoi murosiloti va firistodani onho tariqi faks, SWIFT yo in ki pochtai elektroni.
  • Guzaronidani tahlil va nazorati hisobbarobarkunihoi baynibonki va dokhilinizomi.
  • Amalikunonii korho oid ba pursishhoi bonkhoi murosiloti va filialhoi bonk doir ba intiqoli mablagho va tayyor namudani javobhoi favri.
  • Tamini aloqai favri bo Markazi hisobbarobarkunii Bonki millii Tojikiston va bonkhoi murosiloti, giriftani berunnavisht bad az korkardi hujjathoi pardokhti.
  • Amali namudani hamkori va mukotibot bo bonkho va digar tashkilothoi moliyaviyu qarzi.
  • Tamin namudani rioyai qoidahoi baynalkhalqii amaliyothoi pardokhti.
  • Ishtirok dar korhoi oid ba naqshagiri va afzoishi natijahoi moliyavii Bonk.

Ba SHubai hamohangsozii hisobbarobarkuni va intiqoli mablagho:

  • Rasonidani kumaki amali ba vohidhoi sokhtori, filialho va SHubahoi amaliyoti oid ba tashkili korhoi hisobbarobarkuni va intiqoli mablagho.
  • Tashkil va nazorat az boloi ijroishi amaliyothoi hisobbarobarkunii intiqoli mablagho va sabti muhosibavii on dar Nizomi avtomatikonidai bonki.
  • Guzaronidani suporishhoi khizmati doir ba amaliyothoi vobasta ba taqsimoti zakhiraho, kharidu furushi asor.
  • Hal namudani masalahoi bahstalab bo Nizomhoi intiqolii baynalkhalqi va dokhilinizomi.
  • Amalisozii hisobbarobarkuniho oid ba barqarorsozii mablagho va komissiyaho az tarafi nizomhoi baynalkhalqii intiqoli.
  • Guzaronidani tahlil va nazorati hisobbarobarkunihoi baynibonki va dokhilinizomi.
  • Korho oid ba pursishhoi filialhoi bonk doir ba intiqoli mablagho va tayyor namudani javobhoi favri.
  • Bo tartibi muayyan tayyor namudani hisoboti omori oidi amaliyothoi hisobbarobarkuni ba sokhtorhoi vobastai Bonk va Bonki millii Tojikiston.
  • Tashkili korho oid ba avtomatikunonii modelhoi muhosibavii amaliyothoi intiqoli va amalikunonii on dar hama filialho va vohidhoi amaliyoti.
  • Amalisozii bahisobgiri va nazorati amaliyothoi kafolati va hujjati.
  • Tashkil va nazorat az boloi durusti va ijroishi sarivaqtii guzaronidani amaliyothoi hisobbarobarkuni va intiqoli dar NAB va muqoisa bo Nizomhoi intiqolii baynalkhalqi.
  • Tashkili korho oid ba ijroishi favrii ariza va darkhosthoi mizojon doir ba intiqoli mablagho bo asori milli va khoriji.
  • Taftishi tashkili korho dar filialho oid ba khizmatrasonii hisobarobarkuni va intiqoli mablagho.
  • Baromadan ba safari khidmati ba vohidhoi sokhtori va zersokhorhoi Bonk muvofiqi suporishi Rohbariyat va masalahoi ba masuliyati SHuba dakhldoshta.
  • Tashkil namudani chorabiniho oidi peshgiri, oshkor va roh nadodani amalhoe, ki ba qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm aloqamand ast.
  • Az sokhtorhoi amaliyoti talab va jamovari namudani hujjathoi avvaliya dar shakli kogazi az rui mablaghoi shubhanok.
  • Ishtirok dar tahiya namudani sanadhoi meyorii dokhilinizomi dar samti hisobbarobarkuniho va intiqoli mablagho,
  • Ishtirok dar seminarho va konfronshoi sohavi.
    • Ba Mahzani markazii naqdina:
  • Ishtirok dar muayyan namudani tartibi korkardi hujjathoi meyori oid ba amaliyothoi khazinavi.
  • Barrasii khatogihoi khazinavi, norasoi va beshomad hangomi qabuli mablaghoi naqdi az filialho va sokhtorhoi amaliyoti.
  • Tashkili korho oid ba nazorat az boloi tozagii pulhoi naqdi, tashakkuldihi va bastubandi pulhoi naqd mutobiq ba sanadhoi meyorii Bonki millii Tojikiston va dokhilinizomi.
  • Tashkil va hamohangsozii korhoi khazinavi dar Mahzanhoi mintaqavii naqdina.
  • Jori namudani usulho va tekhnologiyahoi peshqadami tashkili korhoi khazinavi dar Mahzani markazi.
  • Qabul, korkard, bozshumori va bastubandi pulhoi naqdi az sokhtorhoi amaliyoti voridgardida.
  • Tamini nigohdori va muhofizati pulhoi naqdina va arzishhoi qimmatnok dar Mahzanhoi mintaqavii naqdinai Bonk.
  • Tamini qabul va suporidani pulhoi naqd ba filialhoi Bonk, Bonki millii Toxikiston va digar tashkilothoi qarzi.

4.2.  Dar barobari korhoi amaliyotii makhsus, ba uhdadorihoi vazifavii hamai kormandoni SHuba dar in yo on daraja, dokhil meshavad.

  • Donistani masalahoi ba tavsiyanomai nizomi bonkhoi Tojikiston taalluqdoshta, dar borai tarikhi rushdi JSP «Bonki baynalmilalii Tojikiston» , dar borai maqomothoi idorakunii Bonk va namudhoi asosii mahsulothoi Bonk;
  • Omuzishi sanadhoi qonunguzorii Jumhurii Tojikiston, sanadhoi meyorii Bonki millii Tojikiston va sanadhoi dokhilinizomii JSP  «Bonki baynalmilalii Tojikiston» , dar masalahoi baroi ijroishi korho lozimai ba uhdadorhoi SHuba taalluqdoshta;
  • Taminoti rioyai rejai sirri bonki va tijorati hangomi tashkil va peshburdi kor dar SHuba;
  • Barrasii peshnihodhoi navovar dar masalahoi ba SHuba taalluqdoshtai ba surogai Rohbariyati Bonk, SHuba voridshuda yo dar matbuot pahnshuda, tayyor namudani khulosahoi muvofiq ba onho va qabuli choraho baroi amali shudan dar natijai omuzishi onho;
  • Tahiya va guzaronidani choraho dar yakjoyagi bo shubai kormandon oidi tayyori va boztayyorii mutakhassisoni SHuba;
  • Barovardan baroi barrasii rohbariyati bonk peshnihodot oidi baland bardoshtani samaranoki va sifati korho, sharoiti korii kormandoni SHuba. Guzaronidani korhoi marhilavi baroi purzur namudani tartiboti mehnati, istifodai khubi vaqti kori, barrasii holathoi vayron namudani tartiboti mehnati va khizmatii kormandoni SHuba;
  • Bo suporishi rohbariyati Bonk ijroishi sarivaqti va bosifati hujjathoi gunoguni tahlili va malumoti dar masalahoi ba SHuba muvofiqbuda.
  • Barrasii maktubho, arizaho va shikoyathoi shahrvandon, korkhonaho, jamiyatho va muassisaho dar masalahoi ba SHuba taalluqdoshta, tayyor kardani khulosa va javobhoi lozima ba onho.

4.3. Sathi umumii donish, malaka va imkoniyathoi takhassusii mutakhassisoni SHuba boyad baroi purra va sarivaqt ijroishi vazifahoi ba SHuba taalluqdoshta, kofi boshad.

  1. [UQUQ VA VAKOLATHOI SHUBA

5.1. Ba huquq va vakolathoi SHuba, ki az jonibi Rayosati JSP  «Bonki baynalmilalii Tojikiston»  voguzor shudaast, masalahoi zerin dokhil meshavand:

  • Tashkili maydoni savdoi dokhili baroi zakhirahoi qarzi va asori khoriji;
  • Bastani ahdnoma baroi jalb va joygirkunii zakhirahoi qarzi bo bonkho va tashkilothoi moliyavi;
  • Joygirkunii zakhirahoi qarzi ba vohidhoi amaliyotii Bonk;
  • Ishtirok kardan dar tahiyai siyosati idorakunii aktivho va passivho;
  • Taminoti metodologi baroi masalahoi muqarrarot, dastgiri va ziyodkunii amaliyothoi khazinadori;
  • Muqarrar namudani meyorho ba amaliyothoi faol va mavqei arzi, nazorat az boloi rioyai onho;
  • Ishtirok kardan dar birjahoi fondi va birjahoi baynibonki;
  • Ishtirok kardan dar savdoi baynibonkii asor, muqarrar namudani qurbi tijoratii mubodilai asor;
  • Tashkil va khizmatrasonii amaliyotho bo metallhoi qimmatbaho;
  • Tahiyai tavzehot va peshnihodot ba Kumitai aktivho va passivho;
  • Tashkil va murofiqai amaliyothoi hisobbarobarkuni dar sokhtorhoi amaliyotii Bonk bo qaydi onho dar nizomi bahisobgirii Bonk, dar mutobiqat ba meyorhoi jorii bahisobgiri va tartiboti tekhnologi;
  • Hangomi guzaronidani pardokhthoi gayrinaqdi tanho baroi munosibot bo menejeri bosalohiyat oid ba munosibot bo mizoj az front-ofisi muvofiqatkunandai sokhtorhoi amaliyotii Bonk;
  • Hangomi guzaronidani pardokhthoi baynibonki tanho dar munosibot bo menejeri bosalohiyat bo darnazardoshti bek-ofisi mutobiqatkunandai sokhtori amaliyotii Bonk;
  • Hangomi khizmatrasonii khazinavii mizoj yo in ki inkassatoroni bonk tanho dar holati ishtiroki shakhsi suporanda va yo girandai mablagho, ki dar hujjati peshnihodshudai khazinavi darj gardidaast;
  • Taminoti metodologi va tekhnologi oid ba masalahoi barohmoni, dastgiri va vasekunonii munosibathoi murosilotii baynibonkii JSP «Bonki baynalmilalii Tojikiston»  bo bonkhoi- murosiloti;
  • Tashkil namudani korho oid ba asosnok namudan, jori namudan, tashkil kardani tekhnologiyahoi zamonavi, ki favriyat va samaranokii guzaronidani amaliyothoi hisobarobarkunii baynibonkiro tamin mekunand;
  • Amalikunonii chorabiniho oidi muqovimat ba qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm,
  • Tashkili nigohdorii pulho va arzishho dar Mahzanhoi mintaqavii naqdinai Bonk, inchunin ishtirok dar khizmatrasonihoi khazinavii onho;
  • Tamini rioyai rejai sirri bonki va tijorati dar tashkil va peshburdi kor dar SHuba, bo taminoti nazorat oidi holati korhoi mazkur dar vohidhoi amaliyotii bonk ba SHuba taalluqdoshta;
  • Tahiya va peshburdi chorabiniho dar yakjoyagi bo shubai kormandon  oidi tayyor va boztayyor namudani mutakhassisoni SHuba;
  • Barovardan baroi barrasi ba rohbariyati bonk peshnihod oidi baland bardoshtani samaranoki va sifati kor, behbudii sharoiti korii kormandon. Guzaronidani korho baroi rioyai intizomi mehnat, istifodabarii khubi vaqti kori, barrasii holathoi vayronkunii intizomi mehnat va ixroishi;
  • Tashkili tahvili arzishho dar hamai vohidhoi Bonk va digar tashkilotho;

5.2. Sardori SHuba huquqi guzoshtani imzo dar hujjathoi dokhili az nomi SHuba baroyanda va inchunin dar hujjathoi pardokhtii baynibonkii dar natijai guzaronidani amaliyothoi bonki hosilshuda, dorad. Hangomi bo sababhoi uzrnok nabudani sardori SHuba namoyandagii onro metavonad tariqi ishtirok  va guzoshtani imzo dar huxxathoi pardokhti yake az muovinoni sardori SHuba tamin namoyad.

5.4. Muvofiqi tartibi dar Bonk amal kunanda, chand nafar az kormandoni rohbarikunanda va mutakhassisoni SHuba, doroi huquqi guzoshtani imzoi elektroniro dar hujjathoe, ki ba vositai shabakai kompyuteri gardish dorand, meboshand.

      5.5. Az nomi bonk burdani muzokirot bo digar bonkho va digar tashkilotho oidi masalahoe, ki ba  faoliyat va salohiyati SHuba taaluq dorand.

6. JAVOBGARII SHUBA

6.1. Rohbari SHuba dar nazdi Sarparasti SHuba, muovinoni sardori SHuba va sardoroni shubaho va rohbari mahzani markazi doir ba ijroi qarorho az rui masalahoi ba uhdadorihoi onho dokhilshavanda dar nazdi sardori SHuba javobgar meboshand.

  • 2 Dar natijai bahodihii sathi uhdadori az jonibi Rohbariyati Bonk, sardori SHuba huquq dorad az rui sathi ijroishi uhdadorihoi korii kormandoni zertobei khud tibqi Nizomnoma «Oidi nizomi havasmandgardonii kormandoni JSP «Bonki baynalmilalii Tojikiston» tahti №112 (B)-AIB, havasmand gardonad.

6.3.  Dar holati oshkor shudani kambudiho va khunuknazari ba kor dar vazifahoi taingardida, az jonibi Raisi Bonk ba javobgarii shakhsi kashida shavand:

  • sardori SHuba – baroi tamini korhoi umumii ba rohbariyati SHuba taalluqdoshta, ijro nagashtani maqsadho va pasmondan az maksadhoi peshbinishuda;
  • Sardoroni shubaho va jonishinoni onho – baroi ijroi vazifahoi ba onho taalluqdoshta;
  • Digar kormandoni SHuba – baroi ba vayronkunii meyori, ki dar Kodeksi mehnati Jumhurii Tojikiston peshbini shudaast, ijro nanamudani uhdadorihoi kori khud va amalhoi tasdiqshuda, ba khisoroti moliyavi yo past kardani obrui Bonk;
    • 4. Har yak kormandi SHuba dar vaqti ijroi vazifai ba dush doshtaash tanho ba manfiati Bonk vazifador ast, ki manfiathoi shakhsii khudro dar maddi avval naguzorad. Dar holati paydo shudani raqobati havasmandi, kormand vazifador ast dar meyorhoi akhloqii qabulshudai muvofiq, dar Kodeksi akhloqi JSP «Bonki baynalmilalii Tojikiston»  ovarda shudaast, dar in bora ba sardori khud khabar dihad. Dar in holat, hujathoi ba chunin kormandi tartibdodashuda bo imzoi nazoratii Rohbari SHuba va yo digar shakhsi masuli rohbarikunandai SHuba ba ijro rasonida meshavad.

7.  TASHKILI KOR VA HAMKORII MUTAQOBILA

            7.1. Faoliyati SHuba dar hamkori bo digar vohidhoi Bonk ba roh monda meshavad va bevosita baroi jori namudani siyosati idorakunii aktivho va passivho, ixroishi qarorhoi Kumita oidi idorakunii aktivho va passivho, inikosi natijahoi amaliyothoi pardokhtii guzaronidashuda dar surathisobhoi murosiloti va mizojon, hisobbarobarkuniho az rui amaliyothoi intiqoli va inikosi onho dar Kitobi muhosibavii Bonk. Tashkili nazorat az boloi sifati pulhoi naqdi, nigohdori va muhofizati purrai pulho va doroiho dar Mahzanhoi mintaqavii naqdinai Bonk ravona gardidaast.

                7.2.      SHuba korhoi khudro dar hamohangsozi bo digar front ofis va bek ofisi Bonk tashkil mekunad va faoliyati khudro baroi tamin namudani daromadnokii baland az amaliyothoi guzaronidai Bonki ravona menamoyad.

            Ba salohiyati sardori SHuba nazorat az rui faoliyati chor SHuba, Mahzani markazii naqdina dokhil meshavad.

            Ba salohiyati Sardoron va jonishinoni Sardoroni shubahoi SHuba, nazorat az rui faoliyati shubaho va sokhtorhoi zertobe dar mintaqaho dokhil meshavad.

            7.3. Baroi tashkili dodugirifti hujjathoi baynibonki Bonk ba Nizomi Elektronii Pardokhtii (NEP) (SEP) Palatai hisobbarobarkuni va ba terminali dastrasii dastajamonai – SWIFTi Bonki millii Tojikiston dastrasi dorad. Hisobbarobarkunihoi dokhilinizomi va gardishi hujjatho bo bonkhoi murosilotii dokhilidavlati dar zaminai Nizomi Bisyorasorai Elektronii Pardokhti (NBEP) tashkil karda shudaast.

7.4. Dar hamkorii mutaqobila bo digar SHubaho va shubahoi mustaqili (Hadamothoi) Bonk masalahoi zerinro ba khud meguzorad:

Bo SHubai bonkdorii korporativi

Hamkorii mutaqobila oidi peshnihodi zakhirahoi qarzi ba vohidhoi amaliyoti. Muayyan namudani talabot ba zakhirahoi qarzi va amaliyot bo mubodila, ba hamai sokhtori idorakunii amudii bonkdorii koporativi. Muvofiqa namudani foizhoi muqarargardida ba zakhirahoi qarzii judoshuda bo tasmimi alohida va barnomai qarzi. Muayyan namudani peshbinii bargardonidani qarzho va mablaghoi ozodshuda.

Bahisobgiri va guzaronidani amaliyothoi pardokhtii mizojoni korporativi, ki tavassuti menejeron oid ba munosibatho (aloqai) bo mizojon dar hama sokhtorhoi amaliyotii Bonk, bo taqsimbandii malumothoi bahisobgiri oidi natijai khizmatrasonii shartnomahoi mizojon, ki baroi favran tashkhis guzaronidani onho va tahlil hangomi guzaronidani hujjathoi pardokhti, inchunin nazorat muvofiqi tartiboti dar Bonk qabulshuda zamina faroham mesozad.

Bo SHubai bonkdorii chakana

Hamkorii mutaqobila oidi peshnihodi zakhirahoi qarzi ba vohidhoi amaliyoti. Muayyan namudani talabot ba zakhirahoi qarzi va bo asori khoriji, ba hamai sokhtori idorakunii amudii bonkdorii chakana. Muvofiqa namudani foizhoi muqarargardida ba zakhirahoi qarzii judoshuda bo tasmimi alohida va mahsuloti qarzi (qarz ba muhojiron, qarz baroi kharidi avtomoshina va gayra). Muayyan namudani peshbinii bargardonidani qarzho va mablaghoi ozodshuda.

Giriftani malumotho oidi qurbhoi asorho dar mintaqahoi alohida, va kharidu furushi asorho ba vositai nuqtahoi mubodila.

Bo SHubai idorakunii khavfho

Hamkorii mutaqobila oidi past namudani khavfhoi arzi va khavfhoi pardokhtpaziri, dar rafti tashkil va peshburdi robitahoi mutaqobila bo mizojoni kalon, hamchunin dar vaqti ijronamudani uhdadorihoi khudro Bonk muvofiqi sharthoi qarordodi baynibonki.

Hamkori oid ba masalahoi past namudani khavfhoi amaliyoti, ki dar rafti tashkil va burdani korhoi khizmatrasoni ba bonkhoi murosiloti va mizojon, inchunin hangomi ijroi vazifahoi agenti az tarafi Bonk, ki vobasta ba talabothoi  qonunguzorii asori, andoz va gumruk yo ki shartnomayu sozishnomahoi bonki.

         Bo SHubai moliyavi

  • Siyosati hisobhoi standarti bo namudi mahsulothoi bonkie, ki az jonibi bonk ba roh monda shudaast qabul menamoyad. Sarivaqt va purra malumothoro dar shakli talabshuda baroi mukamal sokhtani hisobhoi akhboroti peshnihod namudan, baroi yagonagi va peshnihod namudan ba istifodabarandagoni dokhila va beruna;
  • Dar tashkil namudani Bujai Bonk, bo peshnihod namudani isbodi huquqi va moliyavi ba mablagi peshbinishudai daromadho va kharojotho az peshburdi faoliyati SHuba ishtirok namudan. Hamkori dar tashkil namudani savolhoi akhborotii jambasti va tahlili. Savolho oidi tarhrezii tarofahoi khizmatrasonii bonkiro ki ba faoliyati SHuba aloqamand ast peshnihod menamoyad;
  • Hamkori oid ba masalahoi jori namudan va istifodai modelhoi muhosiboti, malumotnomahoi meyori- ittilooti va shakli hisobotdihi dar kitobi muhosiboti muttamarkazi hayati NAB;
  • Isloh namudani khatogiho va norasogihoi rohdodai muayyangashta, dar kor bo kitobi muhosibavi, dar qismati hisobhoi tavozuni va mahsulot, qaydi mizojon dar NAB, harakati vositaho dar surathisobho;

          Bo SHubai tahlili va munosibathoi baynalkhalqi

  • Hamkori dar peshbinii hajmi zakhirahoi qarzi, ki baroi dar oyanda joygirnamudan ba amaliyothoi faol imkonpazir ast. Hamkori dar guftushunidho va jori namudani munosibathoi murosiloti va inchunin dar jamovarii malumotho dar bobati savolnomahoi Bonk.

         Bo SHubai taminoti huquqi va korhoi davogi

  • Giriftani dastgirii huquqi dar mavzui ba roh mondan va peshburdi faoliyati SHuba.

        Bo SHubai mamuri va nazorati dokhili

  • Muvofiqa namudani masalaho oidi takmil dodani tedodi kormandon, omuzonidan va aznav tayyor namudani kormandoni SHuba va tashkil namudani zakhirai kormandon.
  • Hamkori dar qismi ijroishi talabothoi dar kodeksi idorakunii korporativi va akhloqii kormandoni JSP «Bonki baynalmilalii Tojikiston»  sabt gardida.

           Bo SHubai taminoti moddi va khizmatrasoni

  • Dastgiri namudan dar poyai modi-tekhniki va daftari korii SHuba ba sathi zaruri, hamchunin muntazam tamin namudani molhoi kharojotshavanda va tajhizothoi makhsus baroi istifoda va peshburdi faoliyat zarurbuda. Dar vaqti zaruri peshnihod namudani avtomoshinai khidmati baroi favran va purra ijro namudani korhoi ba kormand muvofiqgardonidashuda dar soati kori bo qayd namudani darkhosti SHuba.
  • Tamin namudani Hadamoti tahvil va intiqoli arzishho bo avtomashinahoi makhsus, sarivaqt az tamir guzaronidani onho va tamin namudan bo suzishvori va varaqahoi safari.

           Bo SHubai tekhnologiyahoi ittilooti

  • Vorid namudan, sanjish va murofiqai taminoti barnomavii jori, korkardi akhboroti bonki ba tarzi avtomatikunonidashuda dar SHuba istifodashavanda.

    Bo Hadamoti bekhatari

Tamini bekhatari va ijozati kalidhoi makhfii imzoi elektroni.

  1. SARDORI SHUBA

8.1.  Az rui mavqei khud, sardori SHuba vazifador ast:

  • rohbarii tamomi faoliyati SHubaro amali kunad, kori onro az rui standart va ba sathi dar Oinnomai Bonk peshbini shuda tashkil namoyad;
  • bo darnazardoshti tagyiryobii bozor baroi vorid kardani tagyirot ba hujxathoi dokhili Bonki, ki ba masalahoi amaliyothoi khazinadori taaluq dorad peshnihod tayyor namoyad;
  • uhdadorihoi vazifavii Sardoroni va jonishinoni Sardoroni shubahoi dar hayati SHuba budaro muqarar namoyad, baroi tamini ijroishi onho choraho andeshad;
  • az hamai norasogihoi oshkorshuda dar korhoi SHuba va digar vohidhoi amaliyotii bo SHuba robitahoi mutaqobila doshta, bo nishondodani sababhoi ba amalomada va peshnihodi rohhoi bartaraf namudani on, ba rohbariyati Bonk khabar dihad;
  • dar tahiya va tatbiqi hujxathoi meyorii faoliyati Bonkro ba tanzimdaroranda, namudhoi peshraft va tarzi peshburdi amaliyothoi bonki ishtirok kardan;
  • tashkili samaranoki kor, ijro namudani korgaron qoidahoi tartiboti dokhilii kori, usul va meyori akhloqi kasbi va madaniyati korparativiro tamin namoyad;
  • az boloi kori kormandoni SHuba nazorat burdan, ba sardoron va jonishinoni sardoroni shubaho dar tashkil va guzaronidani bahodihii kormandon kumak kardan, hamasola suhbati takhasusi dar korkardi naqshai taraqiyoti judogona, majmui chorabinihoi peshbinishuda, baroi zarfiyati kasbi va shakhsii korgaron ravonakardashuda;
  • ba tavri muntazam tagyir dodani sathi ijroishi uhdadorihoi vazifavii kormandoni SHuba, dar kollektiv tarzi kori dastajamiro muhayyo kardan;
  • ivaz kardani joi kor, az joy ba joy guzaronidan va az kor ozod namudani kormandoni SHubaro bo rohbariyati bonk muvofiqa kardan;
  • sarivaqt murosiloti ba SHuba voridshudaro barrasi namoyad va muhlati ijroishi murosilaro nazorat kunad, javobashro intizor shavad;
  • murosilahoi ba nomi Rohbariyat va vohidhoi digari Bonk bo masalahoi favri ravonashudaro imzo namoyad, inchunin murosilahoi digari ba girandai dokhili yo beruna ravona gashtaast, bo masalahoi ba salohiyati SHuba dokhilbuda, bolokhat guzorad (bo nazardoshti rozigii khud).

7.02.  Vobasta ba mavqei khud, sardori SHuba huquq dorad:

  • guzoshtani imzoi avval ba Suporishhoi khizmatii az SHuba sodirshavanda;
  • peshnihod oidi sokhtor va kormandoni SHuba baroi barrasii Rohbariyati Bonk, masalahoro bo onho muvofiqa namudan, vobasta bo tain namudan, az kor ba kor guzaronidan yo javob dodani kormandoni SHuba, inchunin mukofotonidani kormandoni farqkunanda yo baroi vayron namudani tartibi kori va norasoihoro dar kor roh dodan az jonibi kormandoni SHuba chorahoi mujozoti andeshidan;
  • ba kormandoni rohbarikunandai va ba digar kormandoni SHuba suporish va dastur dodan;
  • dar holati gayriqanatbakhsh yo umuman ijro nakardani uhdadorihoi vazifavii kormandoni SHuba, andeshidani chorahoi mujozoti nisbati onho yo peshnihod namudani guzorish ba Rohbariyati bonk oidi peshbini namudani chorahoi mamuri;
  • ba Rohbaroni sokhtorhoi amaliyotii Bonk bo masalahoi ba salohiyati SHubai u dokhilshavanda, dastur va suporish dodan;
  • bo hamai masalaho dar mavridi bo imzoi Rohbari SHuba talabshuda akhborot giriftan;
  • dar asosi qarori Majlisi umumii Sahomoni Bonk bonusi solona (pardokhti panjumi muzdi mehnat) giriftan;
  • digar masalahoi ba salohiyati SHuba dokhilbudaro hal namudan;

     

  1. NAZORAT AZ RUI FAOLIYATI SHUBA

 9.1. Nazorat az boloi faoliyati SHuba dar asosi nishondihandahoi hisobothoi idorakunii harmohai az jonibi sardori SHuba ba unvonii SHubai mamuri va nazorati dokhili peshnihodshavanda, inchunin bo rohi guzaronidani taftishi hamajoniba yo mavzui az jonibi Hadamoti auditi dokhilii Bonk yo mutakhasisoni Bonk tain karda shuda, tashkil karda meshavad.

 9.2. Dar natijai nazorat az boloi faoliyati SHuba, bo nazardoshti natijadihi va faolnokii korii har yak kormand sardori SHuba vazifador ast, ki dar muvofiqa bo maqomoti rohbarikunandai Bonk doir ba pardokhti mukofotpulii hisobshuda, muvofiqi tartibi dar Nizomnoma «Oidi nizomi havasmandgardonii kormandoni JSP  «Bonki baynalmilalii Tojikiston»  peshnihodot omoda sozad.

9.3. Dar holati muayyan namudani norasoiho dar natijai tahlili hisobothoi idorakuni yo taftishi hamajoniba yo mavzui dar faoliyati SHuba sardori SHuba vazifador ast, ki baroi ba javobgari kashidani kormandoni rohbarikunandai dakhldori SHuba va mutakhassisoni tobei onho, tibqi bobi 6 Nizomnomai mazkur peshnihod omoda namoyad. Darajai javobgarii kormandi muvofiq boyad bo amalash barobar boshad va naboyad az andozai dar natijai dakholat yo bedakholatii khunuknazaronai zarari ba Bonk rasonidai chunin korgar baland boshad.

  1. MUQQARROTI HOTIMAVI

11.01. Masalahoi faoliyati SHuba, ki dar Nizomnomai mazkur ba tanzim darovarda nashudaast, dar muvofiqa bo Oinnomai Bonk, digar sanadhoi meyorii Bonk va qonunguzorii jorii Jumhurii Tojikiston hal karda meshavad.

11.02. Qarori tasdiqi Nizomnomai mazkur az jonibi Rayosati Bonk qabul karda meshavad.

11.03.  Rohbariyati SHuba huquqi tayyor namudani peshnihod oidi vorid namudani tagyiru ilovaho ba Nizomnomai mazkurro dorad. Tagyiru ilovaho ba Nizomnomai mazkur az zamoni bo qarori Rayosati Bonk tasdiq gardidani darovardani tagyirotho, quvvai qonunii khudro paydo menamoyand.

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