Комрон.инфо
Tartibi mazkur qismi judonashavandai Nizomnoma oid ba tartibi pardokhtho ba kormandoni JSP “Bonki Tojikiston” (minbad Bonk) buda, bo maqsadi havasmandgardonii kormandoni bonk, ki dar samti qarzguzori dar Bonk mashgul hastand, tahiya shuda, jihati muqarraroti standarthoi pardokhti mukofothoi puli ba korshinosi qarzi ravona shudaast.
Nizomi havasmandi ba strategiyai rushdi Bonk ravona karda shudaast, ki afzoishi qarzdihii khurdu miyonaro dar bar megirad. Binobar in, prinsipi havasmandi chunin ba roh monda shudaast, ki tibqi on korshinosi qarzi baroi harchi beshtar peshnihod namudani qarzho, nazorati sifati qarzhoi peshnihodgardida, chalbi beshtari mizojon va baland bardoshtani sifati khizmatrasoni kushish ba kharj dihad.
Pardokhti mukofoti-bonusi tibqi tartibi mazkur az natijahoi faoliyati moliyavii sokhtorhoi amaliyoti vobastagi nadoshta, tanho baroi infirodan havasmandii bonusi bo nazardoshti natijahoi noilshuda dar samti kori vobastai korshinosi qarzii dakhldor va dar sathi muqarrargardida nigoh doshtani sifati sanduqi qarzi amali karda meshavad.
Ba kormandoni Bonk, ki nisbati onho mujozoti intizomi (sarzanish va tanbeh) tatbiq garidaast, dar davomi muhlati mujozoti mazkur, ammo na beshtar az 6 (shash) moh, ba manfiati onho hisob namudani pardokhti mukofoti-bonusi anjom doda nameshavad.
Hangomi ba rukhsatii mehnati baromadani korshinosi qarzi mablagi havasmandi pardokht karda nameshavad.
Bo dasturi Raisi Bonk, bo nazardoshti ijroishi suporishhoi rohbariyat va yo noil gardidan ba dastovardhoi nazarras nisbati korshinosoni qarzii alohida mukofotpulii ilovagii yakdafaina pardokht karda meshavad.
Ba korshinosi qarzie, ki dar davomi 3 moh payi ham mukofotpuli pardokht karda nameshavad, bo nazardoshti tahlili sifati sanduqi qarzi va ijroishi naqshai qarzguzori, nisbati u chorahoi dakhldor andeshida meshavad.
Bo nazardoshti malumothoi dar bolo zikrgardida, dar sathi sokhtorhoi amaliyotii Bonk, az tarafi kormandi masuli sokhtori amaliyoti hisoboti pardokhti mukofoti omoda karda shuda, imzoi korshinosi qarzi va rohbari sokhtor guzoshta meshavad. Tartibi guzaronidani TARTIBI PARDOHTI MUKOFOTI – BONUSI DAR JSP “BONKI TOJIKISTON” 4 mablagi muayyanshuda baroi pardokhti mablagi mukofoti, az tarafi khudi sokhtorhoi amaliyotii Bonk amali karda meshavad. 2. TARTIBI HISOB KARDANI PARDOHTI MUKOFOTI-BONUSI
Tartibi mazkur havasmandgardonii mohonai korshinosoni qarziro ba tanzim medarorad.
Tartibi hisob va pardokhti mukofoti – bonusi mohona amali karda meshavad. YAne, korshinosi qarzi az natijai faoliyati mohonai khud havasmand karda meshavad.
Dar Bonk, tibqi jadvali bastii amalkunanda vazifai korshinosoni qarzi az rui darajabandii vazifa ba 4 (chor) guruh taqsim meshavand az jumla:
1) korshinosi qarzii khurd;
2) korshinosi qarzi;
3) korshinosi qarzii kalon;
4) korshinosi qarzii peshbar.
Korshinosi qarzi inchunin, dar samti qarzguzori ba shakhsoni voqei baroi ehtiyojoti zaruri va ba sohibkoroni infirodi va shakhsoni huquqi jihati rushdi faoliyati sohibkori dar alohidagi vazifador shudaand. Binobar in, faoliyati korshinosoni qarzi ba du samti asosii peshnihodi qarzho taqsim shudaand: v Korshinosi qarzii istemoli – korshinosi qarzie, ki qarzhoi istemoli peshnihod menamoyad; v Korshinosi qarzii universali – korshinosi qarzie, ki ham qarzhoi istemoli va ham qarzhoi tijorati peshnihod menamoyad.
Vobasta az samti faoliyati korshinosi qarzi hisobkunii mukofoti- bonusi hisob va pardokht karda meshavad.
Dar asosi dasturamali vazifavi korshinosi qarzi jihati khizmatrasonii sarivaqti va sifatnok ba qarzgir, ijroi naqshai peshnihodi qarz, tashkil namudani sanduqi qarzii bosifat va dar sathi zaruri rioya namudani talabothoi ravandi qarzdihi vazifador shudaaast.
Pardokhti mukofoti – bonusi, tanho baroi ba tavri infirodi, bo usuli havasmandkunii mohonai korshinosi qarzii dakhldor, bo nazardoshti TARTIBI PARDOHTI MUKOFOTI – BONUSI DAR JSP “BONKI TOJIKISTON” 5 natijahoi badast ovardai u (na in ki kushishhoyash!) dar samti vazifahoi vobastashuda, muqarrar karda meshavad.
Tartibi hisobi mablagi mukofoti – bonusi az se qism, az jumla malumot oid ba ijroishi naqshai peshnihodi qarz, havasmandi va jarimavi iborat buda, az rui jadvali zerin hisob karda meshavad:
BAROI KORSHINOSI QARZII ISTEMOLI VA UNIVERSALI: Ijroishi naqsha Havasmandi Jarima № Nishondihandahoi davrai hisoboti Malumot Nishondiha nda Natijai jarima 1 Miqdori qarzhoi batakhiraftoda – az 8 to 30 ruz (baroi yak qarz bo somoni) 2 30 60 2 Miqdori qarzhoi batakhiraftoda – ziyoda az 30 ruz (baroi yak qarz bo somoni) 1 50 50 3 Baqiyai mablagi qarzhoi batakhiraftoda ziyoda az 30 ruz dar sanduqi qarzi dar okhiri mohi hisoboti 14 401 1% 144 4 Miqdori kambudihoi oshkorgardida 30 5 Miqdori rioya nakardani intizomi mehnat 100 Mablagi jarima 254 № Malumot oid ba ijroishi naqsha dar mohi hisoboti Miqdor Mablag (bo somoni) Meyori miyonai foizi ijroish 1 Naqsha 5 60 000 2 Ijroish 8 85 000 3 %-i ijroish 160% 142% 151% № Nishondihandahoi davrai hisoboti Malumot Nishondiha nda Natijai havasmandi 1 Miqdori qarzhoi peshnihodshuda (baroi yak qarz bo somoni) istemoli 8 20 160 tijorati 0 60 0 2 Miqdori kafolathoi peshnihodshuda (baroi yak kafolat bo somoni) 0 30 0 3 Baqiyai sanduqi qarzi dar okhiri mohi hisoboti istemoli 950 870 0.05% 475 tijorati 0 0.03% 0 4 Daromadi foizii giriftashuda dar mohi hisoboti (az hajmi daromadi foizii voqei giriftashuda) 21 862 2.0% 437 Mablagi havasmandi 1 072
TARTIBI PARDOHTI MUKOFOTI – BONUSI DAR JSP “BONKI TOJIKISTON” 6 Mablagi mukofotpuli 808 Koeffitsienti faolnokii mehnat 1.52 Baroi korshinosi qarzie, ki ijroishi naqshai peshnihodi qarzro dar mohi hisoboti, tanosuban (ijroishi miyonai foizii naqsha) ham az rui miqdor va ham az rui mablag kamtar az 70% tamin namudaast, mablagi mukofoti-bonusi hisob karda nameshavad. Baroi korshinosi qarzie, ki ijroishi naqshai qarziro dar mohi hisoboti az rui miqdor va mablag barziyod tamin namudaast, mablagi mukofoti-bonusi na ziyoda az 1,5 barobar ba muzdi mehnati mohona hisob va pardokht karda meshavad. Imzoi rohbari sokhtori amaliyoti ___________________ Imzoi korshinosi qarzi __________________
- Mablagi mukofotpuli dar natijai az mablagi havasmandi tarh namudani mablagi jarima hisob karda shuda, dar hududi na ziyoda az 1,5 barbari muzdi mehnat pardokht karda meshavad. 18. Tavre dar bolo qayd gardid, korshinosoni qarzii universali huquqi peshnihodi ham qarzhoi istemoli va ham qarzhoi tijoratiro dorand. Baroi korshinosoni qarzii universali, az rui qarzguzori ba faoliyati tijorati naqshaguzori karda shuda, hangomi peshnihodi qarzhoi istemoli az tarafi chunin korshinosoni qarzi 4 (chor) qarzi istemoli barobar ba 1 (yak) qarzi tijorati ba nazar girifta shuda, ijroshi naqsha az rui on hisob karda meshavad. YAne, korshinosi qarzii universalie, ki az rui naqsha 3 qarz boyad peshnihod namoyad, dar holati peshnihodi 12 qarzi istemoli naqsha ijroshuda ba hisob meravad. Az rui mablag boshad, hamai mablaghoi peshnihodshuda, ham qarzhoi istemoli va ham qarzhoi tijorati, dar majmu hamchun ijroishi naqsha ba hisob girifta meshavad. 19. Hangomi hisob namudani mablagi jarima baqiyai qarzhoi dar istehsoloti sudi qarordoshta ba nazar girifta nameshavand. 20. Inchunin, meyori hududi nihoii mablagi mukofotpuli ba andozai 1,5 barobari muzdi mehnat muqarrar karda shudaast, ki in nishondihanda mablagi pardokhtmeshudai mukofotpuliro to andozai mazkur ba tanzim medarorad. 21. Miqdori kambudihoi oshkorgardida – hangomi barasmiyatdarorii parvandai qarzi va yo nomukammal va nopurra peshnihod namudani malumot ba azoi Kumitai qarzi, bo nazardoshti ogohonidani korshinosi qarzi jihati islohi kambudihoi joydoshta, ba andozai 30 somoni ba har yak kambudii oshkorgardida jarima karda meshavad. TARTIBI PARDOHTI MUKOFOTI – BONUSI DAR JSP “BONKI TOJIKISTON” 7 22. Miqdori rioya nakardani intizomi mehnat – hangomi rioya nashudani tartibothoi dokhilibonki va vayron kardani intizomi mehnat az tarafi korshinosi qarzi, nisbati u jarima baroi har yak vayronkunii intizomi mehnat dar hajmi 100 somoni tatbiq karda meshavad. 23. Koeffitsienti faolnokii mehnat – nishondihandai mazkur natijai samaranokii faoliyati mohonai korshinosi qarziro nishon medihad, ki in nishondihanda dar jambasti soli moliyaviyu khojagidori yake az malumothoii asosi jihati muayyan namudani korshinosi qarzii behtarini sol istifoda khohad shud. YAne, bo nazardoshti jami natijahoi solonai samaranokii faoliyati korshinosi qarzi va bo nazardoshti digar omilhoi ba in natija tasirrason, golibi korshinosi qarzii sol muayyan karda meshavad. 3. MUQARRAROTI HOTIMAVI 24. Tasdiqi Tartibi mazkur, inchunin vorid namudani tagyiru ilovaho ba on dar asosi qarori Rayosati Bonk amali megardad. Dar natijai tagyir yoftani qonunguzorii Jumhurii Tojikiston, bandhoi alohidai Tartibi mazkur ba on mukholifat namoyand, in bandho etibori khudro gum karda, bandhoi Tartibi mazkur dar qisme, ki ba qonunhoi Jumhurii Tojikiston mukholifat namekunad, amal menamoyad.
