Комрон.инфо
Savol: Siri Bonki chist?
Siri bonki muvofiqi moddai 48-umi Qonuni Jumhurii Tojikiston dar borai «Faoliyati Bonki» ki az 19-umi mayi soli 2009 tasdiq karda shudaast chunin manidod karda meshavad:
- Malumot dar borai faoliyat va holati moliyavii mushtari, ki ba tashkiloti qarzi hangomi khizmatrasoni va munosibat bo mushtari yo bo shakhsi seyum malum shudaast va oshkor kardani on mumkin ast ba mushtari ziyoni moddi yo manavi rasonad, sirri bonki meboshad. (QJT az 26.12.2011s., № 782)
- Malumoti zerin sirri bonki mahsub meshavad:
– dar borai mavjudiyati surathisobhoi 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 firistonandagoni (girandagoni) onho;
– dar borai mablaghoi puli va ashyoi qimatbahoi mushtari, ki dar tashkiloti qarzi nigoh doshta meshavand. (QJT az 26.12.2011s., № 782)
- Malumote, ki ba sirri bonki mansub meboshad, tanho ba shakhsoni zerin doda meshavad:
– ba sohibi surathisobi bonki va sohibi ashyoi qimatbaho yo namoyandai onho;
– ba firistonandagon va girandagoni intiqolhoi puli;
– ba Bonki millii Tojikiston bo talabi on;
– ba Palatai hisobi Jumhurii Tojikiston vobasta ba auditi mushtarii tashkiloti qarzi dar qismi khizmatrasonii mablaghoi bujeti davlati, fondhoi davlati va qarzi davlati dar asosi maktubi raisi Palatai hisobi Jumhurii Tojikiston; (QJT az 12.11.2013s.,№1029)
– ba sudho – dar asosi qarori (tainoti) sud (sudya); (QJT az 26.12.2011s., № 782)
– ba ijrochii sud dar asosi qarori ijrochii sud vobasta ba hujjati ijro; (QJT az 21.07.2010s.,№623, az 26.12.2011s., № 782)
– ba byuroi tarikhi qarz mutobiqi Qonuni Jumhurii Tojikiston «Dar borai tarikhi qarz (kredit)»; (QJT az 26.12.2011s., № 782)
– ba maqomoti tahqiq va taftishoti peshaki az rui parvandahoi jinoyati nisbat ba mushtariyoni tashkiloti qarzi – dar asosi qarori (tainoti) sud (sudya) mutobiqi Kodeksi murofiavii jinoyatii Jumhurii Tojikiston; (QJT az 26.12.2011s., № 782)
– ba maqomoti andoz az rui masalahoi pardokhti andozi shakhsoni huquqi dar asosi maktubi rohbari maqomi andoz bo peshnihodi nuskhai farmoni maqomi andoz oid ba sanjishi onho, agar in bo Kodeksi andozi Jumhurii Tojikiston peshbini shuda boshad.
- Muqarraroti mazkur dar holati bo sababhoi gunogun qat gardidani munosibatho bayni mushtari va tashkiloti qarzi niz etibori khudro gum namekunand. (QJT az 26.12.2011s., № 782)
- Malumot dar borai sirri bonki dar surati vafoti mushtari doda meshavad:
– ba shakhsone, ki az tarafi mushtari dar vasiyatnoma zikr shudaand;
– ba sudho, idorahoi notariali va muassisahoi konsulgarii khoriji az rui parvandahoi merosii mushtarii favtida.
- Ifshoi sirri bonki be rioyai sharthoi dar qismi 3 moddai mazkur muqarrarshuda man ast, ba istisnoi holathoi peshbininamudai Qonuni mazkur. (QJT az 27.11.2014 № 1154)
- Baroi gayriqonuni oshkor namudani sirri bonki shakhsoni gunahkor bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston ba javobgari kashida meshavand.
- Tashkilothoi qarzi bo maqsadi tamini amniyati molu mulk va sirri bonki huquq dorand khadamoti makhsusi khudro tasis dihand va bo tartibi muqarrarnamudai Qonuni Jumhurii Tojikiston «Dar borai siloh» siloh va vositahoi zarurii tekhnikiro dastras namuda istifoda barand. (QJT az 26.12.2011s., № 782, az 3.08.2018s., № 1549)
- Mablaghoi dar surathisobhoi bonki yo mablaghoi va doroihoi digari dar tashkilothoi qarzi nigohdoshtashavanda dar asosi qarori (tainoti) sud (sudya), qarori ijrochii sud vobasta ba hujjati ijro habs karda meshavand. (QJT az 26.12.2011s., № 782)
- Hangomi habs namudani mablaghoi pulii dar surathisobhoi bonki buda, tashkiloti qarzi favran amaliyoti dodani onro dar doirai mablage, ki habs karda shudaast, qat mekunad. (QJT az 26.12.2011s., № 782)
- Hangomi habs namudani ashyoi qimatbahoi digare, ki dar tashkiloti qarzi nigoh doshta meshavand, tashkiloti qarzi dodani onhoro ba sohibonash qat menamoyad. (QJT az 26.12.2011s., № 782)
