Sugurtai pasandozhoi shakhsoni voqei

Qonuni Jumhurii Tojikiston

 Dar borai sugurtai pasandozhoi shakhsoni voqei

 (Akhbori Majlisi Olii Jumhurii Tojikiston, s.2011, №7-8, mod.612; Qonuni JT az 23.11.2015 s., № 1252)

Qonuni mazkur asoshoi huquqi, tashkili va moliyavii nizomi sugurtai hatmii pasandozhoi shakhsoni voqei, az jumla tartibi tasis va faoliyati Hazinai sugurtai pasandozhoi shakhsoni voqeiro muqarrar karda, himoyai huquq va manfiathoi pasandozdoron va tahkimi bovarii aholiro ba nizomi bonkii Jumhurii Tojikiston tamin menamoyad.

BOBI 1.

MUQARRAROTI UMUMI

Moddai 1. Mafhumhoi asosi 

Dar Qonuni mazkur mafhumhoi asosii zerin istifoda meshavand:

– sugurta– munosibat oid ba himoyai manfiathoi pasandozdoron az khavfi muflisshavii tashkilothoi qarzi;

– holati sugurtavi – bozkhondi ijozatnomai tashkiloti qarzi, barhamdihii majburii tashkiloti qarzi tibqi qarori sud be asoshoi muflisshavi yo bo asoshoi muflisshavi mutobiqi Qonuni Jumhurii Tojikiston “Dar borai barhamdihii tashkilothoi qarzi”, ki sababi ba vujud omadani uhdadorii Hazinai sugurtai pasandozhoi shakhsoni voqei oid ba jubroni puli sugurta ba pasandozdoroni tashkiloti qarzii muflisshuda megardad;

– tashkilothoi qarzi – 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 qonun peshbinishudaro ijro menamoyand;

– pasandoz– mablage, ki bo sharti pardokhti foizi muayyan huquqi istifodai muvaqqatiash ba tashkiloti qarzi doda shudaast;

– pasandozdor– shakhsi voqeie, ki dar tashkiloti qarzi pasandoz dorad;

– Hazinai sugurtai pasandozhoi shakhsoni voqei (minbad – Hazina) – shakhsi huquqii gayritijorati, ki doroi tavozuni mustaqil va muhri mudavvar bo sabti nomi khud va aksi Nishoni davlatii Jumhurii Tojikiston buda, huququ manfiathoi qonunii pasandozdoronro bo rohi pardokhti jubronpulii sugurta himoya menamoyad;

– pasandozhoi sugurtashuda – pasandozhoe, ki tibqi Qonuni mazkur obekti hatmii sugurta meboshand; (QJT az 23.11.15 s., № 1252)

– kasri Hazina – mablagi nokifoyai Hazina, ki baroi jubroni puli sugurtai pasandozdoron zarur ast;

– pardokhtho – haqqi uzviyat, pardokhthoi taqvimi va ilovagi, ki tashkilothoi qarzi mutobiqi Qonuni mazkur ba Hazina pardokht menamoyand;

– jubronpulii sugurta – mablage, ki pasandozdor ba giriftani on mutobiqi Qonuni mazkur hangomi faro rasidani holati sugurtavi huquq dorad.

Moddai 2. Qonunguzorii Jumhurii Tojikiston dar borai  sugurtai pasandozhoi shakhsoni  voqei 

Qonunguzorii Jumhurii Tojikiston dar borai sugurtai pasandozhoi shakhsoni voqei 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. Prinsiphoi asosii sugurtai pasandozhoi shakhsoni  voqei 

Prinsiphoi asosii sugurtai pasandozhoi shakhsoni voqei inho meboshand:

– hatmi budani uzviyat ba Hazina baroi tashkilothoi qarzie, ki huquqi jalbi pasandozhoi shakhsoni voqeiro dorand;

– shaffofiyati sugurta kardani pasandozhoi shakhsoni voqei dar tashkilothoi qarzi.

 

BOBI 2.

HAZINAI SUGURTAI PASANDOZHOI SHAHSONI VOQEI 

Moddai 4. Maqomi huquqii Hazina 

1. Hazina shakhsi huquqii gayritijorati buda, doroi tavozuni mustaqilu muhr ast va dar asosi shartnomai bayni bonkho va Oinnomai vay, ki muassisoni Hazina tasdiq kardaand, faoliyat mekunad.
2. Mahalli joygirshavii Hazina shahri Dushanbe meboshad.
3. Hazina faoliyati khudro mutobiqi Qonuni mazkur be ijozatnoma amali menamoyad.
4. Hujjati tasisii Hazinai sugurtai pasandozhoi shakhsoni voqei Oinnomai on buda, sharthoyash purra va dar hajme, ki nisbati Qonuni mazkur mukholifat nakunad, amal mekunad.
5. Hazina vorisi huquqii Fondi kafolati amonathoi shakhsoni voqei buda, mutobiqi Qonuni mazkur huququ uhdadoriho, molu mulk va kafolathoi onro ba zimma megirad.
6. Muqarraroti qonunguzorii Jumhurii Tojikiston oid ba tanzimi bozori surgurta va faoliyati sugurtavi ba faoliyati Hazina tatbiq namegardad.

Moddai 5. Maqsadhoi Hazina

Maqsadhoi Hazina inhoyand:

– himoyai huquq va manfiathoi qonunii pasandozdoron bo rohi pardokhti jubronpulii  sugurta tibqi Qonuni mazkur;

– tahkimi bovarii aholi ba nizomi bonkii Jumhurii Tojikiston.

Moddai 6. Vazifahoi Hazina 

1. Hazina baroi noil gardidan ba maqsadhoi khud:

– jubronpulii sugurtaro sari vaqt muayyan va ba pasandozdoron pardokht mekunad;

– fehristdori tashkilothoi qarzii nizomi sugurtai pasandozhoi shakhsoni voqeii azoi Hazina meboshad.

– pardokhthoi tashkilothoi qarziro arzyobi mekunad;

– jamovari va bahisobgirii pardokhtpulihoero, ki az tashkilothoi qarzi girifta shudaand, inchunin monitoringi sarivaqtii onhoro amali menamoyad;

– malumot, hisobot va ittilootero, ki baroi faoliyati Hazina zarur ast, az tashkilothoi qarzi megirad;

– bo maqsadi andukhti molu mulki Hazina mablaghoi Hazinaro sarmoyaguzori, idora va joygir mekunad;

– dar surati kasri Hazina baroi giriftani qarz ba Hukumati Jumhurii Tojikiston murojiat menamoyad;

– az Bonki millii Tojikiston andeshidani chorahoi islohnamoi va tasirrasoniro nisbat ba tashkiloti qarzi hangomi rioya nakardani Qonuni mazkur darkhost mekunad;

– hangomi zarurat va dar doirai qonun ba tashkilothoi qarzi amrnoma doda, ijroi onro talab menamoyad;

– bo maqsadi nigahdorii bovarii nizomi bonkii Jumhurii Tojikiston ba vositai tamini kafolati pasandozhoi shakhsoni voqei ahli jomearo khabardor menamoyad;

– kharojoti amaliyotii Hazinaro jubron mekunad;

– vazifai khizmatrasonii moliyaviro anjom medihad;

– digar vazifahoro, ki baroi noil gardidan ba maqsadhoi Hazina zarurand, ijro mekunad.

2. Hazina, azoi SHuroi noziron, Rais, kormandoni Hazina va digar shakhsone, ki tibqi talaboti Qonuni mazkur dar doirai vakolathoi khud amal mekunand, baroi har guna zarar yo talafoti rasonidaashon hangomi ijro namudani vakolathoi khud masul nameboshand.

Moddai 7. Mablagi Hazina 

1. Mablagi Hazina az pardokhtho, daromad az sarmoyaguzori, mablagi az Hukumati Jumhurii Tojikiston qarz giriftashuda, mablagi baroi qonegardonii shikoyati pasandozdoron giriftashuda, ki manfiathoi onho mutobiqi Qonuni mazkur ba Hazina voguzor shudaand, inchunin az digar mablaghoe iborat meboshad, ki qonun man nakardaast.
2. Andozai nihoii mablagi Hazina dar hajmi haft foizi hamai pasandozhoi shakhsoni voqei, ki dar tashkilothoi qarzi mavjud ast, muqarrar karda meshavad.   

Moddai 8. Munosibati Hazina bo davlat

Hazina az rui uhdadorihoi davlat va davlat az rui uhdadorihoi Hazina javobgar nestand, agar dar qonunguzorii Jumhurii Tojikiston muqarraroti digare peshbini nashuda boshad.

Moddai 9. Surathisobhoi Hazina

1. Hazina dar Bonki millii Tojikiston surathisob dorad va dar on boyad mablagi Hazina, ki baroi jubronpulii sugurta zarur ast, nigoh doshta shavad.
2. Bonki millii Tojikiston az rui surathisobi Hazina foiz pardokht namekunad.
3. Hazina dar Bonki millii Tojikiston baroi voridshavii mablag, kharojoti jori va digar mablaghoi Hazina surathisobi alohida dorad.

Moddai 10. Sarmoyaguzorii Hazina

Hazina metavonad tanho ba kogazhoi qimatnoki Hukumati Jumhurii Tojikiston, kogazhoi qimatnoki Bonki millii Tojikiston, kogazhoi qimatnoki davlathoi khoriji yo bonkhoi markazii (millii) khorijii bonufuz sarmoyaguzori kunad.

Moddai 11. Hisobotdihii Hazina

1. Soli moliyavii Hazina az 1 yanvar ogoz yofta, 31 dekabr ba okhir merasad.
2. Hazina ba SHuroi nozironi Hazina (minbad – SHuroi noziron) hisobotdihanda meboshad.
3. Hisoboti solonai Hazina baroi soli moliyavi az tarafi Raisi Hazina  har sol to 15 fevral  ba SHuroi noziron peshnihod gardida, on az tarafi SHuroi noziron to 15 marti soli moliyavii oyanda tasdiq karda meshavad.
4. Malumoti jambasti dar borai hisoboti solonai Hazina, hisoboti tavozuni va hisobot dar borai foida va zarar dar davomi ci ruzi badi az tarafi SHuroi noziron tasdiq gardidani on dar vositahoi akhbori omma nashr megardad.
5. Hisoboti solonai Hazina az inho iborat ast:

– hisobot dar borai faoliyati Hazina dar soli moliyavi;

– tavozuni muhosibavii Hazina;

– hisobot dar borai ijroi kharjnoma;

– tahlili holati nizomi sugurtai pasandozho;

– tahlili istifodai mablagi Hazina;

– dar borai foida va zarari Hazina;

– tavozuni vositahoi gardoni Hazina;

– nuskhai Fehristi tashkilothoi qarzi, ki dar okhiri soli moliyavi uzvi Hazina budand.

6. Faoliyati Hazina har sol mavridi sanjishi auditorii beruni qaror megirad.
7. Hazina har sol to 30 aprel hisoboti solona va khulosai auditro ba Majlisi namoyandagoni Majlisi Olii Jumhurii Tojikiston peshnihod menamoyad.

BOBI 3.

UZVIYATI TASHKILOTHOI QARZI BA HAZINA

Moddai 12. Uzviyati tashkilothoi qarzi ba Hazina

1. Har yak tashkiloti qarzie, ki ijozatnomai Bonki millii Tojikistonro baroi jalbi pasandozhoi shakhsoni voqei dorad,  uzvi Hazina meboshad.
2. Hazina dar  davomi se ruzi korii badi pardokhti  haqqi uzviyat  tashkiloti qarziro dar Fehristi tashkilothoi qarzii nizomi sugurtai pasandozhoi shakhsoni voqei dokhil namuda, ba on tasdiqnomai uzviyatro medihad.

Moddai 13. Fehristdorii tashkilothoi qarzii nizomi  sugurtai pasandozhoi shakhsoni voqei

1. Fehristdorii tashkilothoi qarzii nizomi sugurtai pasandozhoi shakhsoni voqei ba zimmai Hazina buda, on har semoha dar vositahoi akhbori omma nashr karda meshavad.
2. Hazina dar holathoi zerin tashkiloti qarziro az Fehristi tashkilothoi qarzii nizomi sugurtai pasandozhoi shakhsoni voqei khorij karda, tasdiqnomai uzviyatro bozkhond menamoyad:

– hangomi bozkhondi ijozatnomai tashkiloti qarzi baroi anjom dodani faoliyati bonki va ba pasandozdoron purra jubron kardani puli sugurta;

– hangomi bozkhondi ijozatnomai tashkiloti qarzi baroi anjom dodani faoliyati bonki binobar barhamdihii majburii tashkiloti qarzi biduni asoshoi muflisshavi  va ba pasandozdoron purra jubron kardani puli sugurta;

– hangomi rozi budani Bonki millii Tojikiston baroi   ikhtiyoran qat namudani faoliyati tashkiloti qarzi va purra ijro gardidani uhdadorihoi on dar nazdi pasandozdoron.

3. Hazina dar davomi se ruzi kori ba tashkiloti qarzi dar borai ba Fehristi nizomi sugurtai pasandozhoi shakhsoni voqei dokhil yo az on khorij kardan ba tavri khatti khabar medihad.

Moddai 14. Uhdadorihoi tashkilothoi qarzi

Tashkiloti qarzii  uzvi Hazina uhdador ast:

– muvofiqi  Qonuni mazkur pardokhthoro suporad;

– bahisobgirii pasandozhoi sugurtashudaro bo tartibe, ki Hazina muqarrar kardaast va on ba tashkiloti qarzi imkoniyati giriftani malumoti purraro dar borai pardokhti jubronpulii sugurta medihad, ba anjom rasonad;

– ba Hazina bo tartibe, ki baroi ijroi vazifahoyash muqarrar kardaast, hisobot va malumot peshnihod namoyad;

– oid ba darajai sugurtai pasandozho va uzviyat ba Hazina dar joyhoi namoyoni binoi tashkilothoi qarzi malumot joygir namoyad;

– dar borai ikhtiyoran qat namudani faoliyatash pasandozdoronro khabardor namoyad;

– ba Hazina oid ba har holate, ki baroi ijroi sharthoi pasandozhoi sugurtashuda  imkon namedihad, favran khabar dihad;

– hangomi ba vuqu omadani holati sugurtavi favran ba Hazina dar borai  pasandozho malumoti purra peshnihod namoyad;

– sanadhoi meyorii huquqii Hazina (qoidaho, dasturamalho va gayra)-ro rioya namoyad.

 

BOBI 4.

PARDOHTHO

 

Moddai 15. Haqqi uzviyat

 

Tashkiloti qarzi dar davomi se ruzi badi giriftani ijozatnomai Bonki millii Tojikiston ba andozai 0,5 foizi haddi aqalli sarmoyai oinnomavi haqqi bebozgashti uzviyatro ba Hazina bo puli milli pardokht mekunad.

 

Moddai 16. Pardokhthoi taqvimi

 

1. Tashkiloti qarzi boyad har semoha ba andozai 0,25 foizi baqiyai miyonai semohai guzashtai pasandozhoi shakhsoni voqeii dar tashkiloti qarzi mavjudbuda, ki sugurta meshavand, ba istisnoi pasandozhoi shakhsoni voqeii dar moddai 24 hamin Qonun nombarshuda, bo puli milli pardokhthoi taqvimii bebozgashtro pardokht namoyad. (QJT az 23.11.15 s., № 1252)
2. Tashkiloti qarzi ba surathisobi Hazina to bistumi mohi yakumi pas az semohai anjomyofta pardokhthoi taqvimiro pardokht mekunad.
3. Baqiyai miyonai harruzai tavozunii pasandozhoi sugurtashuda baroi semoha zaminai hisobkunii pardokhthoi taqvimi ba hisob meravad.
4. Baroi muqarrar kardani pardokhthoi taqvimi az rui pasandozhoi sugurtashuda bo asori khoriji baqiyai harruzai tavozunii onho bo puli milli az rui qurbi rasmii muqarrarkardai Bonki millii Tojikiston dar okhiri ruz istifoda meshavad.
5. Har yak tashkiloti qarzi uhdador ast har se moh, ba sharti dar in muddat dar tashkiloti qarzi joy doshtani holati sugurtavi, dar ruzi ba vuqu omadani holati sugurta pardokhthoi taqvimiro pardokht namoyad.

 

Moddai 17. Pardokhthoi ilovagi

 

1. Tashkilothoi qarzi, ba istisnoi tashkiloti qarzie, ki dar on holati sugurtavi ba vuqu omadaast, bo maqsadi rafi kasri Hazina ba andozai dukaratai pardokhthoi taqvimi ba Hazina  pardokhthoi ilovagii yakdafainaro mesuporand.
2. Muhlati pardokhthoi ilovagi az jonibi Hazina muqarrar karda meshavad.

 

Moddai 18. Mablagguzorii kasri Hazina

 

1. Hangomi narasidani mablag Hazina huquq dorad baroi jubroni kasri on ba Hukumati Jumhurii Tojikiston oid ba giriftani qarz murojiat namoyad.
2. Hukumati Jumhurii Tojikiston dar asosi murojiati Hazina baroi jubroni kasri mablagi on oid ba judo namudani qarz, az jumla sharthoi hisobi kardan va bargardonidani qarz qaror qabul menamoyad.

 

Moddai 19. Bahisobgirii pardokhtho

 

Mablagi haqqi uzviyat, mablagi pardokhthoi taqvimi va ilovagi, ki tashkilothoi qarzi ba Hazina pardokht menamoyand, ba kharojoti amaliyotii onho vorid karda meshavand.

 

Moddai 20. Javobgari baroi  nasuporidani pardokhtho

 

1. Tashkiloti qarzi dar holati purra yo sari vaqt pardokht nakardani pardokhthoi taqvimi yo ilovagi uhdador ast ilovatan baroi har yak ruzi takhir ba andozai yak foizi mablagi pardokhtnashuda ba Hazina noustuvorona  suporad.
2. Raisi Hazina dar borai ruyonidani noustuvorona ba tashkiloti qarzi ogohinoma irsol menamoyad.
3. Hangomi az jonibi tashkiloti qarzi dar muhlati se ruz ijro nakardani ogohinomai mazkur, Hazina huquq dorad dar borai ruyonidani pardokhtpulihoi dakhldor bo ariza ba sud murojiat namoyad.

 

BOBI 5.

PASANDOZDORON DAR NIZOMI SUGURTAI PASANDOZHO.

OBEKTI SUGURTAI PASANDOZHO.

ANDOZA VA TARTIBI PARDOHTI JUBRONPULII SUGURTA AZ RUI PASANDOZHO.

(QJT az 23.11.15 s., № 1252)

 

Moddai 21. Huquqi pasandozdoron

 

Pasandozdoron huquq dorand:

– jubronpulii sugurtaro az rui pasandozho bo tartibi muqarrarkardai Qonuni mazkur girand;

–  tibqi darkhost az tashkiloti qarzi va Hazina dar borai uzviyat ba Hazina va dar borai darajai sugurtai pasandozho, ki Hazina baroi pasandozho muqarrar namudaast, malumot dastras namoyand;

– hangomi dar tashkiloti qarzi ba vuqu omadani holati sugurtavi az vay pardokhti farqiyati bayni mablagi pasandozi ibtidoi bo foizhoi to okhiri ruzi holati sugurtavi hisobshuda va jubronpulii pardokhtshudai sugurtaro talab namoyand.

 

Moddai 21¹. Obekti hatmii sugurta

 

Uhdadorihoi tashkiloti qarzi oid ba bargardonidani pasandozhoi dar surathisobhoi bonki guzoshtai shakhsoni voqei bo puli milli va asori khoriji dar surati barhamdihii majburii on, ki bo shartnomahoi pasandozi bonki va (yo) surathisobhoi bonkii korthoi pardokhtii maosh va nafaqa va yo daftarchai amonat tasdiq shudaand, obekthoi hatmii sugurtakuni ba hisob meravand.

(QJT az 23.11.15 s., № 1252)
 

 

 

Moddai 22. Jubroni puli sugurtai pasandozho

 

1. Hangomi ba vuqu omadani holati sugurtavi Hazina ba pasandozdor mablagi pasandozhoi dar tashkiloti qarzi sugurtashudaro jubron menamoyad. Andozai jubronpulii pasandozho na beshtar az 350 (sesadu panjoh) nishondihanda baroi hisobho meboshad. (QJT az 23.11.15 s., № 1252)
2. Agar pasandozdor dar tashkiloti qarzi yakchand surathisobi pasandozi doshta boshad, on goh sugurtapuli dar asosi andozai umumii mablagi dar surathisobhoi pasandozi mavjudbuda jubron karda, in surathisobho hamchun yak surathisobi pasandozi donista meshavand.
3. Foizi pasandozho az rui meyori muayyankardai Hazina hisob karda, dar okhiri ruzi faro rasidani holati sugurtavi pardokht karda meshavad, vale dar har surat andozai jubronpulii sugurta, az jumla foizhoi pardokhtshuda naboyad az mahdudiyathoe ziyod boshad, ki dar qismi 1 moddai mazkur muqarrar shudaast. Agar holati sugurtavi dar yakchand tashkiloti qarzi faro rasad, ki dar onho pasandozdor pasandoz dorad, on goh andozai jubronpulii sugurta baroi har yak tashkiloti qarzi alohida hisob karda meshavad.
4. Pasandozhoe, ki bo puli milli guzoshta shudaand, bo puli milli jubron karda meshavand.
5. Pasandozhoe, ki  bo asori khoriji guzoshta shudaand, az rui qurbi rasmii Bonki millii Tojikiston, ki dar ruzi ba vuqu omadani holati sugurtavi muqarrar karda shudaast, bo puli milli jubron karda meshavand.
6. Pasandozhoe, ki  dar surathisobi mushtaraki tashkiloti qarzi  nigoh doshta meshavand, hamchun yak pasandoz donista meshavand va jubronpulii sugurta ba sohiboni surathisobi pasandoz bo hissahoi barobar yo  hissahoe, ki bayni onho muvofiqa shudaast, pardokht karda meshavad.
7. Agar sohibi surathisobi mushtaraki pasandoz dar tashkiloti qarzi hisobi digari pasandoz doshta boshad, on goh mablagi hissai pasandozdori pasandozi mushtarak bo mablagi digari hisobi pasandoz yakjoya karda, hamchun yak pasandoz donista meshavad.
8. Agar yake az padaru modar huquqi ikhtiyordori kardani pasandozhoi surathisobi kudaki noboligro doshta, manfiati kudaki nobolig dar sozishnomai pasandoz bo tashkiloti qarzi zikr shuda boshad, dar in holat jubronpulii sugurta baroi kudaki nobolig dar asosi bovari ba padar yo modar pardokht karda meshavad. In pasandoz az har guna digar surathisobe, ki kudaki nobolig manfiatdori on meboshad, alohida jubron karda meshavad.
9. Agar vasi yo parastor huquqi ikhtiyordorii hisobi pasandozro doshta, manfiatdori hisobi pasandoz dar sozishnomai pasandoz bo tashkiloti qarzi nishon doda shuda boshad, on goh in guna shakhs huquq dorad jubronpulii sugurtaro bo bovarinoma baroi shakhse, ki manfiatdori hisobi pasandoz ast, girad va in guna pasandoz az har guna hisobi digare, ki manfiatdor dorad, alohida jubron karda meshavad.
10. Mablagi surathisobhoi pasandozi padaru modar, vasiho va parastoron, ki dar qismhoi  8 va 9 moddai mazkur zikr shudaand, az mablagi surathisobhoi pasandozhoe, ki ba onho shakhsan mansuband, alohida jubron karda meshavand.
11. Agar pasandozdor dar tashkiloti qarzi dar natijai muttahidshavi, hamrohshavi yo tabdilyobii du yo ziyoda tashkiloti qarzi besh az  yak surathisobi pasandoz doshta boshad, on goh mablagi har yak surathisobi pasandoz hamchun yak pasandoz donista, to ruzi pardokhti pasandoz yo mablagi surathisobho, agar boshand,  boyad alohida jubron karda shavad.
12. Baroi pasandozhoi sugurtashuda, ki az rui sharthoi onho muhlati pardokht dar ruzi ba vuqu omadani  holati sugurtavi faro narasidaast, muhlati pardokht dar hamin ruz farorasida hisobida meshavad.
13. Baroi pardokhti jubronpulii sugurta Hazina metavonad bo tashkilothoi qarzi jihati khizmatrasonii khazinavi sozishnoma bandad.
14. SHakhse, ki huquqi pasandozdorro baroi pasandozho badi faro rasidani holati sugurtavi sohib shudaast, ba giriftani jubronpuli huquq nadorad.

 

Moddai 23. Holathoi qone nagardonidani talabot

 

Ba pasandozdor yo shakhse, ki tibqi Qonuni mazkur huquqi giriftani jubronpuliro nadorad va ba Hazina malumoti bardurug yo nodurustro peshnihod kardaast, mablag jubron karda nameshavad.

 

Moddai 24. Holathoi jubron nakardani pasandozho

 

Hangomi ba vuqu omadani holati sugurtavi jubronpuli az rui pasandozhoi zerini shakhsoni voqei pardokht karda nameshavad:

– pasandozhoe, ki ba onho tashkiloti qarzi baroi hisobi kardani qarzho bo pasandozdoron dar doirai mablagi qarzi pasandozdor huquq dorad;

– pasandozhoe, ki tahti garav qaror dorand;

– pasandozhoe, ki bo rohi jinoyat ba dast omadaand yo pasandozhoe, ki az jonibi sud habs karda shudaand;

– pasandozhoe, ki az rui khulosai Bonki millii Tojikiston vazi moliyavii tashkiloti qarziro bad kardaand;

– pasandozhoi azoi SHuroi noziron va bevosita kheshovandoni onho, az jumla hamsar, padaru modar, farzandon yo shakhsoni seyumi tashkiloti qarzie, ki bo on shartnomai pasandozi bonki bastaand yo az nomi onho dar tashkiloti qarzi pasandoz guzoshtaand;

– pasandozhoi sharikoni shirkati auditori, ki ba sifati auditorhoi tashkiloti qarzi dar soli taqvimi peshtar az tarikhi faro rasidani holati sugurtavi  jalb shuda budand;

– pasandozhoi shakhsoni voqei, ki besh az panj foizi sahmiyahoi  tashkiloti qarziro bo giriftani manfiat dar ikhtiyor dorand;

– pasandozhoe, ki dar filialhoi khorijii tashkiloti qarzi joygir karda shudaand;

– pasandozhoi barobar ba har guna mablagi qarzi pardokhtnashudai pasandozdor dar nazdi tashkiloti qarzi.

 

Moddai 25. Qoidahoi umumii pardokhti jubronpulii sugurta

 

1. Pasandozdor yo namoyandai u huquq dorad baroi giriftani jubronpulii sugurta dar davomi yak soli ba vuqu omadani holati sugurtavi bo tartibi muqarrarnamudai Hazina ba vay murojiat kunad.
2. Hazina dar davomi panj ruzi pas az ba vuqu omadani holati sugurtavi va badi az tashkiloti qarzi giriftani malumoti purra oid ba uhdadoriho dar nazdi pasandozdoron dar borai joy, vaqt va tartibi qabuli darkhostho baroi pardokhti jubronpulii sugurtai pasandozho dar vositahoi akhbori omma elon intishor namuda, nuskhai onro ba tashkiloti qarzi irsol menamoyad.
3. Bo darkhosti pasandozdor Hazina malumotero, ki dar qismi 2 moddai mazkur zikr gardidaast, favran ba vay peshnihod menamoyad.
4. Hazina ba pasandozdor dar davomi panj ruzi badi giriftani darkhost baroi pardokhti jubronpulii sugurta, berunnavisi Fehristi pasandozdoroni tashkiloti qarziro bo nishon dodani surathisobi pasandoz, inchunin baqiyai hisobho va foizhoi hisobshudaro dar ruzi ba vuqu omadani holati  sugurtavi va jubronpulii sugurta peshnihod menamoyad.
5. Hazina jubronpulii sugurtaro dar davomi dah ruzi badi peshnihodi berunnavisi  Fehristi pasandozdoron ba pasandozdor pardokht karda, dar in bora tashkiloti qarziro khabardor mekunad.
6. Agar Hazina dar davomi dah ruzi badi peshnihodi berunnavisi Fehristi pasandozdoron jubronpulii sugurtaro pardokht nakunad, on goh Hazina baroi mablagi pardokhtnashuda az rui meyori boztamvili Bonki millii Tojikiston to ruzi pardokhti jubronpuli foiz pardokht mekunad.
7. Jubronpulii pasandozho imkon dorad az tarafi Hazina yo bonki khizmatrasoni vay dar asosi arizai pasandozdor dar shakli naqdina va gayrinaqdina tavassuti guzarondani mablag ba hisobi nishondodai pasandozdor dar tashkiloti qarzi pardokht karda shavad.

 

Moddai 26. Tamdidi muhlati peshnihodi darkhost baroi giriftani jubronpuli

 

1. Pasandozdor yo namoyandai u bo ariza, ki shaklashro Hazina muqarrar mekunad, baroi tamdidi muhlati giriftani jubronpulii sugurta ba Hazina murojiat mekunad.
2. Mutobiqi arizai pasandozdor Hazina metavonad muhlati murojiati pasandozdorro baroi giriftani jubronpulii sugurta dar holathoi zerin tamdid namoyad:

– agar pasandozdor mubtaloi bemorii jismoni yo ruhi gashta,  qobiliyati sari vaqt murojiat kardanro baroi giriftani jubronpulii sugurta nadoshta boshad;

– dar holathoi favquloddae, ki pasandozdor baroi murojiat kardan jihati giriftani jubronpulii sugurta imkon nadoshta boshad.

 

Moddai 27. Tartibi pardokhti haqi darkhostho baroi jubronpuli badi  tamdidi muhlat

 

1. Agar Hazina muhlatro tamdid karda boshad va dar davomi muhlati tamdidshuda pasandozdor mutobiqi moddai 26 Qonuni mazkur bo arizai  pardokhti jubronpuli murojiat kunad, on goh Hazina dar davomi panj ruzi badi tamdidi muhlat berunnavisi Fehristi pasandozdoroni tashkiloti qarziro bo nishon dodani surathisobi pasandoz yo surathisobi pasandozdor bo foizhoi to ruzi holati sugurtavi jamshuda va jubronpulii sugurta ba pasandozdor peshnihod mekunad.
2. Pasandozdor badi giriftani darkhosti jubronpuli mutobiqi muhlati tamdidshudai dar qismi 1 moddai mazkur peshbinishuda  huquq dorad jubronpuliro dar asosi berunnavisi Fehristi pasandozdoroni tashkiloti qarzi girad.

3.Hazina jubronpulii sugurtaro ba pasandozdore, ki dar qismi 1 moddai mazkur zikr shudaast, dar davomi panj ruzi badi giriftani darkhost pardokht mekunad.

 

Moddai 28. Ikhtilofot dar mavridi jubronpulii sugurta

 

1. Hangomi norozi budan az jubronpulii sugurta, pasandozdor metavonad mutobiqi moddai 27 Qonuni mazkur dar davomi si ruzi badi giriftani berunnavisi Fehristi pasandozdoroni tashkiloti qarzi malumoti ilovagiro jihati dastgirii arizaash baroi jubronpuli ba Hazina peshnihod namoyad.
2. Hazina malumoti ilovagii mazkurro baroi arzyobi favran ba tashkiloti qarzi ravon mekunad.
3. Tashkiloti qarzi dar davomi dah ruzi badi giriftani malumoti mazkuri Hazina oid ba natijahoi arzyobi ba Hazina ba tavri khatti khabar medihad va Hazina pasandozdorro az natijai arzyobi favran khabardor mekunad.
4. Dar surati badi chunin arzyobi ba muvofiqa rasidani pasandozdor va tashkiloti qarzi az rui jubronpulii sugurta Hazina mablagi muvofiqashudai jubronpulii sugurtaro ba pasandozdor pardokht mekunad.

 

Moddai 29. SHikoyat az rui qaror dar borai jubronpulii sugurta

 

1. Agar bayni pasandozdor va tashkiloti qarzi badi arzyobi, ki dar moddai 28 Qonuni mazkur zikr gardidaast, az rui jubronpulii sugurta muvofiqa ba dast naoyad, on goh pasandozdor metavonad baroi barrasii andozai pardokhtpulii peshnihodshavanda ba sud murojiat namoyad.
2. Novobasta ba muqarraroti moddai 28 Qonuni mazkur pasandozdor, ki bo jubronpulii sugurta rozi nashudaast, metavonad bevosita baroi barrasii andozai mablagi pardokhti peshnihodshavanda ba sud murojiat namoyad.
3. Hazina jubronpuliro dar asosi qarori sud ba pasandozdor favran pardokht mekunad.
4. Pasandozdor metavonad qarori Hazinaro dar muhlate, ki  dar davomi on az Hazina jubronpuli talab kardan mumkin ast, mavridi shikoyat qaror dihad.

 

Moddai 30. Pardokhti jubronpulii sugurta

 

Hazina jubronpulii sugurtaro pardokht mekunad yo az bonk-agenti (namoyandai) khud talab mekunad, ki onro ba pasandozdor pardokht namoyad yo bo suporishi khattii pasandozdor ba surathisobi vay dar tashkiloti qarzi guzaronad.

 

Moddai 31. Voguzorii huquqi pasandozdor ba Hazina

 

1. Agar Hazina jubronpulii sugurtaro ba pasandozdor pardokht kunad, on goh huquqi talabi hamai mablagho va manfiathoi pasandozdor barobar ba andozai mablagi pardokhtshuda ba Hazina voguzoshta, on metavonad nisbat ba chunin talabot az nomi pasandozdor yo az nomi Hazina amalhoi huquqiro ijro namoyad.
2. Talaboti badastovardai Hazina mutobiqi qismi 1 moddai mazkur tibqi tartibi muqarrarnamudai Qonuni Jumhurii Tojikiston “Dar borai barhamdihii tashkilothoi qarzi” qone karda meshavad.

 

BOBI 6.

IDORAKUNII HAZINA

 

Moddai 32. Idorakunii Hazina

 

Faoliyati Hazinaro Raisi Hazina va SHuroi nozironi Hazina (minbad – SHuroi noziron) idora mekunand.

 

Moddai 33. SHuroi noziron

 

1. SHuroi noziron baroi nazorati umumii faoliyati Hazina masul  meboshad.
2. SHuroi noziron az hayati zerin iborat ast:

– Raisi Bonki millii Tojikiston – Raisi SHuroi noziron;

– muovini vaziri moliyai Jumhurii Tojikiston;

– namoyandai Dastgohi ijroiyai Prezidenti Jumhurii Tojikiston;

– Raisi Assotsiatsiyai bonkhoi Tojikiston;

– Raisi Hazina.

 

Moddai 34. Jalasai SHuroi noziron

 

1. Jalasai SHuroi noziron sole na kamtar az du marotiba davat karda meshavad. Jalasa az tarafi Raisi SHuroi noziron yo na kamtar az se uzvi SHuroi noziron davat karda meshavad.
2. Jalasai SHuroi noziron hangomi ishtiroki na kam az chor azoi on salohiyatnok meboshad.
3. Qarorhoi SHuroi noziron bo aksariyati ovozhoi azoi dar jalasa huzurdoshtai on qabul karda meshavand. Hangomi barobar budani ovozho ovozi raisikunandai jalasa halkunanda meboshad.
4. Raisi SHuroi noziron yo dar nabudani rais uzvi SHuroi noziron, ki az tarafi SHuroi noziron tain shudaast, dar jalasai SHuroi noziron raisi mekunad.
5. Protokoli jalasai SHuroi noziron az tarafi raisikunanda imzo karda meshavad.
6. Tartibi guzaronidani jalasaho bo Dasturi SHuroi noziron muqarrar karda meshavad.

 

Moddai 35. Vakolathoi SHuroi noziron

 

SHuroi noziron doroi vakolathoi zerin ast:

– muayyan namudani samthoi asosii faoliyati Hazina;

– tasdiqi sokhtor va bujeti solonai Hazina;

– ba vazifa tain va az vazifa ozod kardani Raisi Hazina, muqarrar namudani maoshi vazifavii vay;

– barrasi va tasdiqi hisoboti solonai Hazina;

– intikhob va taini auditori beruni;

– qabuli qaror dar borai az Hukumati Jumhurii Tojikiston giriftani qarzi moliyavi hangomi kasri  Hazina;

– vorid namudani tagyiru ilovaho ba Oinnomai Hazina, ba sharte ki in tagyirot khilofi qonun naboshand;

– tasdiq kardani Dasturi SHuroi noziron;

– tasdiq kardani siyosati sarmoyaguzorii Hazina;

– tasdiq kardani barnomaho oid ba intishori malumot baroi ommai vase dar borai naqshi nizomi sugurtai pasandozho jihati tahkimi bovarii aholi ba nizomi bonkii Jumhurii Tojikiston;

– tasdiq kardani shakli hisoboti tashkilothoi qarzi-azoi Hazina;

– tasdiq kardani sanadhoi meyori jihati ijroi vazifahoi Hazina;

– muqarrar kardani siyosati Hazina oid ba barkhurdi manfiatho;

– qabuli qaror dar borai kam kardan yo bozdoshti suporidani pardokhthoi taqvimi hangomi purra shudani andozai nihoii mablagi Hazina;

– muayyan kardani khususiyat va hajmi vazifahoi auditi dokhilii Hazina va tasdiqi natijahoi audit;

– taini auditori beruni baroi guzaronidani sanjishi makhsus va tasdiqi natijahoi on;

– tasdiqi tavsiyahoi raisi Hazina oid ba intikhobi bonk- agent baroi pardokhti puli sugurta;
– ijroi digar vakolathoe, ki dar Qonuni mazkur peshbini shudaand.

 

Moddai 36. Mani voguzorii vakolatho

 

Dar anjom dodani nazorati umumii Hazina SHuroi noziron nametavonad vakolathoero, ki dar moddai 35 Qonuni mazkur peshbini shudaand, ba Raisi Hazina voguzor namoyad.

 

Moddai 37. Raisi Hazina

 

1. Raisi Hazina baroi idorakunii faoliyati jorii Hazina va ijroi qarorhoi SHuroi noziron masul meboshad.
2. Raisi Hazina ba muhlati panj sol az jonibi SHuroi noziron tain megardad. YAk shakhs ba vazifai raisi Hazina beshtar az du muhlat pay dar pay tain shuda nametavonad.
3. Raisi Hazina doroi vakolathoi zerin ast:

– az nomi Hazina amal namudan, namoyandagi kardan az manfiathoi Hazina;

– taqsimi uhdadorihoi vazifavii kormandon;

– peshnihodi sokhtori Hazina baroi tasdiqi SHuroi noziron;

– ba vazifa tain va az vazifa ozod namudani kormandoni Hazina va muqarrar kardani maoshi vazifavii onho;

– peshnihodi akhbor ba SHuroi noziron dar borai vazi moliyavii Hazina;

– tahiyai bujeti solonai Hazina va peshnihodi on ba SHuroi noziron;

– peshnihodi tavsiyaho ba SHuroi noziron jihati rushdi nizomi sugurtai pasandozho;

– tahiyai hisoboti solonai Hazina va peshnihodi on ba SHuroi noziron;

– peshnihodi akhbor ba Bonki millii Tojikiston dar borai az tarafi tashkilothoi qarzi rioya nakardani Qonuni mazkur va darkhost baroi andeshidani  chorahoi dakhldor;

– dodani amrnoma va dasturhoe, ki baroi tashkilothoi qarzi jihati ijroi Qonuni mazkur zarurand;

– tahiya va ba SHuroi noziron peshnihod kardani loihai sanadhoi meyorii dokhilii Hazina;

– tamdidi muhlate, ki dar davomi on pasandozdor metavonad baroi jubronpuli murojiat namoyad;

– intikhob kardan va ba barrasii SHuroi noziron peshnihod namudani  tashkiloti qarzi – namoyandai Hazina baroi pardokhti jubronpulii sugurta;

– tahiya va ba SHuroi noziron peshnihod kardani siyosati sarmoyaguzori;

– tahiya va ba SHuroi noziron peshnihod kardani barnomaho oid ba intishori malumot baroi ommai vase dar borai naqshi nizomi sugurtai pasandozho jihati tahkimi bovarii aholi ba nizomi bonkii Jumhurii Tojikiston;

– tahiya va ba SHuroi noziron peshnihod kardani loihai sanadhoi meyorii dokhilii Hazina;
– tahiya va ba SHuroi noziron peshnihod kardani tavsiyaho oid ba qarzgirii Hazina hangomi kasri Hazina;

– ijroi digar vakolathoe, ki dar Qonuni mazkur peshbini shudaand.

4. Raisi Hazina mumkin ast binobar sodir kardani amalhoe, ki ba manfiat yo etibori korii Hazina zarar rasonidaand, az vazifa ozod karda shavad.

 

Moddai 38.  Holathoe, ki taini uzvi SHuroi noziron,  Raisi  Hazina va muovinoni uro istisno

                        menamoyand 

 

SHakhs huquq nadorad uzvi SHuroi noziron, Raisi Hazina yo muovini u boshad, agar vay:

– shahrvandi Jumhurii Tojikiston naboshad;

– ba talaboti takhassusii dar moddai 39 Qonuni mazkur muqarrarshuda javobgu naboshad;

– dogi sudi doshta boshad;

– bo kheshovandon yo har guna shakhsi digare, ki bo u khojagii umumi mebarad, manfiati bevosita yo bavositai tijorati dorad va uro dar holati nomuvofiq az ishtirok dar qabuli qarori SHuroi noziron ba khuddori majbur mesozad;

– uzvi maqomoti namoyandagi va qonunguzor boshad;

-khizmatchii davlati boshad, ba istisnoi holathoi muqarrarnamudai sarkhathoi duyum va seyumi qismi 2 moddai 33 Qonuni mazkur;

– az vazifa bo tashabbusi mamuriyat ozod karda shuda boshad.

 

Moddai 39. Talaboti takhassusi

  

SHakhs ba sifati uzvi SHuroi noziron, Raisi Hazina yo muovinoni u muvofiq nest, agar vay:

– dar murofiai muflisshavi qarzdor boshad;

– az tarafi maqomi vakolatdor az nigohi kasbi besalohiyat etirof gardida, az davom dodani faoliyati kasbi barkanor shuda boshad;

– az tarafi sud baroi nazorat yo idorakunii shirkat nomuvofiq donista shuda boshad;

– tahsiloti olii iqtisodi nadoshta yo dar in soha kamtar az dah sol tajribai kori doshta boshad.

 

Moddai 40. Joyhoi kholi

 

Dar holati tibqi moddai 39 Qonuni mazkur ba talaboti takhassusi muvofiq nabudani uzvi SHuroi noziron yo ba istefo raftani vay Raisi SHuroi noziron dar shakli khatti dar in bora ba azoi SHuroi noziron khabar medihad va ba joyi kholishuda az tarafi maqomi dakhldori tainkunanda nomzad tasdiq karda meshavad.

 

BOBI 7.

HAMKORII HAZINA BO BONKI MILLII TOJIKISTON

 

Moddai 41. Hamkorii Hazina  va Bonki millii Tojikiston

 

Bonki millii Tojikiston metavonad baroi ishtirok dar sanjishhoi tashkiloti qarzi doir ba masalahoi marbut ba andoza va sokhtori uhdadoriho az rui pasandozho, pardokhtho va digar masalahoe, ki az Qonuni mazkur barmeoyand, Hazinaro jalb namoyad va har guna malumotro az on dar borai pasandozhoi sugurtashudai tashkilothoi qarzi bo maqsadi peshgirii vayronkunii Qonuni mazkur  talab kunad.

 

Moddai 42. Mubodilai ittiloot

 

1. Hazina dar borai hama guna tagyirote, ki ba Fehristi tashkilothoi qarzi va pardokhtho vorid megardad, ba Bonki millii Tojikiston khabar medihad.
2. Bonki millii Tojikiston ba Hazina ittilooti zerinro peshnihod menamoyad:

– oid ba dodani ijozatnoma ba tashkiloti qarzi va bozkhondi on;

– dar borai aznavtashkildihii tashkiloti qarzi;

– dar borai ehtimoliyati ba vuqu omadani holati sugurtavi yo ba vuqu omadani on.

3. Bonki millii Tojikiston badi giriftani qarori sud dar borai muflis elon kardani tashkiloti qarzi nuskhai qarori mazkurro favran ba Hazina irsol menamoyad.
4. Hazina oid ba har guna vayronkunihoi Qonuni mazkur az jonibi tashkiloti qarzie, ki uzvi Hazina meboshad, sarivaqt ba Bonki millii Tojikiston khabar doda, az on andeshidani chorahoro baroi bartaraf kardani kambudiho darkhost menamoyad.
5. Namoyandagoni Hazina va Bonki millii Tojikiston baroi mubodilai ittiloote, ki dar moddai mazkur peshbini shudaast, muntazam vokhuriho meguzaronand.

 

Moddai 43. Makhfiyati ittiloot

 

1. Azoi SHuroi noziron, kormandoni Hazina va shakhsone, ki zeri rohbarii onho kor mekunand yo az jonibi Hazina jalb karda meshavand, boyad ittilootro oid ba faoliyati tashkiloti qarzi, ki dar natijai tatbiqi hamin Qonun dastras mekunand, makhfi nigoh dorand.
2. Muqarraroti qismi 1 moddai mazkur hangomi ifsho namudani ittiloot ba Bonki millii Tojikiston bo maqsadi nazorati tashkilothoi qarzi tatbiq namegardad.

 

Moddai 44. Masuliyat az rui andozho

 

1. Ozod namudani Hazina az andozbandii har guna foidae, ki az manbahoi gunogun megirad, az jumla az rui pardokhthoi az tashkilothoi qarzi, az daromadi az sarmoyaguzori, qarzho va digar pardokhtpulihoi az Hukumati Jumhurii Tojikiston giriftashavanda mutobiqi qonunguzorii Jumhurii Tojikiston amali megardad.
2. Pasandozdoron az har guna masuliyati pardokhti andoz az rui har guna jubronpulihoi sugurta va digar pardokhthoe, ki az tarafi Hazina yo az nomi on amali megardand, ozod meboshand.

 

BOBI 8.

MUQARRAROTI HOTIMAVI

 

Moddai 45. Barrasii bahsho

 

Tashkiloti qarzi yo shakhsi voqei metavonad az rui qarori Hazina va digar sanadhoi on dar davomi si ruzi badi giriftan ba sud murojiat namoyad.

 

Moddai 46.Javobgari baroi rioya nakardani Qonuni mazkur

 

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

 

Moddai 47. Dar borai az etibor soqit donistani Qonuni  Jumhurii Tojikiston

                        “Dar borai kafolati  amonathoi shakhsoni voqei”

 

Qonuni Jumhurii Tojikiston az 1 avgusti soli 2003 “Dar borai kafolati amonathoi shakhsoni voqei” (Akhbori Majlisi Olii Jumhurii Tojikiston, soli 2003, № 8, mod. 464) az etibor soqit donista shavad.

 

Moddai 48. 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, 2 avgusti soli 2011,

№ 758