1. MUQARRAROTI UMUMI

• Nizomnomai mazkur bahri ijroishi talaboti qonun, ki dar bandi 2 moddai 7 Qonuni Jumhurii Tojikiston «Dar borai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm» ovarda shudaast, tahiya gardidaast.
• Nizomnomai mazkur bo nazardoshti on ki Qonuni dar bolo zikrshuda munosibathoi:

• shahrvandoni Jumhurii Tojikiston, shahrvandoni khoriji va shakhsoni beshahrvand, ki dar Jumhurii Tojikiston zindagi mekunand,
• Bonkhoe, ki bo vositahoi puli yo bo digar molu mulk amaliyotho meguzaronand, inchunin
• maqomoti davlati, ki dar hududi Jumhurii Tojikiston az boloi amaliyothoi bo vositahoi puli yo digar molu mulk guzaronidashavanda nazorat mebarand, ba tanzim medarorad, bo maqsadi peshgiri, oshkor va reshakan kardani kirdorhoe, ki bo qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm aloqamandand, sokhta shudaast.
  • Ba JSP «BONKI TOJIKISTON» (minbad Bonk) muqarraroti Qonuni dar bolo zikrshuda hamchun ba Bonki qarzi, ki bo vositahoi puli va digar molu mulk amaliyot meguzaronad, dakhl dorand va ba zimmai on uhdadorihoi zerinro vo meguzorad:
• Mushakhkhassozii shakhsoni dar khizmatrasoni qarordoshta;
• malumot hangomi barqaror namudani munosibathoi kori, kushodani surathisob yo bo suporishi mizoj anjom dodani digar amaliyothoi bonkii hatman nazoratshavanda, hujjati sabt karda shavad;
• mutobiqi talaboti qonunguzorii Jumhurii Tojikiston ba maqomi vakolatdor nisbati amaliyothoi hatman nazoratshavanda malumot peshnihod namoyad. Tartib va muhlati peshnihodi malumot ba maqomi vakolatdor az jonibi Bonki millii Tojikiston muayyan karda meshavad.
  • Dar Nizomnomai mazkur mafhumhoi asosii zerin istifoda meshavand:
• Qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda – anjom dodani ahdhoi molumulki yo digar amaliyot bo daromadhoe, ki baralo bo rohi jinoyat ba dast ovarda shudaand, makhfi nigoh doshtan yo pinhon namudani khususiyati asli, manba, mahalli joygirshavi, tarzi ikhtiyordori, az jo ba jo guzaronidan, huquq ba molu mulk yo taalluqdori, inchunin istifoda burdani in guna daromadho baroi mashgul shudan ba faoliyati sohibkori yo digar faoliyati iqtisodi, yo istifodai onho bo rohi digar;
• Mablagguzorii terrorizm – in bevosita yo bavosita peshnihod namudan yo jam namudani mablagho bo maqsadi purra yo qisman istifoda burdani onho yo bo darki on ki in mablagho az tarafi terrorist, Bonki terroristi, inchunin baroi tashkil, tayyor va sodir namudani amalhoi terroristi az jumla jinoyathoi dar moddahoi 179, 179¹, 179³, 181, 182, 184, 184¹, 184², 184³, 184⁴, 185, 193, 194, 194¹, 194², 194³, 194⁴, 194⁵, 310 va 402 peshbininamudai Kodeksi jinoyatii Jumhurii Tojikiston istifoda megardand, inchunin agar in mablagho voqean baroi sodir namudani jinoyathoi dar bolo zikrshuda istifoda nashuda boshand;
• Ahd va amaliyoti shubhanok – Ahd (amaliyot) metavonad shubhanok hisobida shavad, agar az jonibi Bonki qarzi mushakhkhassozii mizoj yo giriftani malumot baroi bastani akhdnoma yo anjom dodani amaliyoti mazkur (munosibati kori), ki qonun peshbini namudaast, imkonnopazir boshad;
• Maqomi vakolatdor – maqomi davlati, ki maqsad, vazifa va vakolathoyash dar sohai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm muvofiqi Qonuni mazkur, inchunin digar sanadhoi meyorii huquqi muayyan karda meshavand;
• Nazorati hatmi – majmui chorahoi andeshidai maqomi vakolatdor baroi nazorat kardani amaliyot bo vositahoi puli yo digar molu mulk dar asosi ittilooti az BONK va digar Bonkho giriftashuda, ki chunin amaliyotro anjom medihand, inchunin sanjishi in ittiloot mutobiqi qonunguzorii Jumhurii Tojikiston;
• Nazorati dokhili – faoliyati JSP «BONKI TOJIKISTON» baroi oshkorsozii amaliyothoi (kushishi anjom dodani ahdhoi shubhanoki) hatman nazoratshavanda va digar amaliyotho bo vositahoi puli yo digar molu mulk vobasta ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm.
  • Dar Nizomnomai mazkur tartiboti kori oid ba tashkili nazorati dokhili dar Bonk bayon karda meshavand, ki boyad dar davrai va az rui jambasti peshnihodi khizmatrasonihoi bonki ba mizojon ijro karda shavand.
  • Hamai tartiboti nazorati dokhilii dar Nizomnomai mazkur tavsifshavanda qismati tarkibii biznes-ravandi umumi meboshand, ki bo anjomdihii amaliyoti bonkii az jonibi mizoj talabshavanda aloqamand ast.
  • Tartiboti dar Nizomnomai mazkur bayonshuda, dar ayni zamon ogohsozii mizojoni Bonk -ro oidi maqsad va usulhoi tashkili nazorati dokhilii Bonk dar doirai talaboti Qonuni dar bolo zikrshuda peshbini namenamoyad.
  • Bonk bo sohahoi zerini tijorat sarukor doshta va/yo mahsuloti zerini bonkiro peshnihod namuda, boyad ba tavri haddi aksar tavajjuh va ehtiyotkori namoyad, to ki amaliyothoi imkonpaziri qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizmro oshkor namoyad:

A.  Doirahoi faoliyati tijorati bo khavfi baland:

• sanoati qimorbozi, kazino (qimorkhona);
• mehmonkhonaho, khususan hangomi dar onho mavjud budani kazino;
• muassisahoi moliyavii gayribonki (brokerhoi (dallolhoi) moliyavi, nuqtahoi mubodilai asor);
• daftari sayohat;
• shirkatho oid ba voridot/sodirot;
• shirkatho/dilerho (dallolho) oid ba fuluzoti qimatbaho;
• korporatsiyahoi offshori;
• kogazhoi qimatnok/khizmatrasonihoi brokeri/shirkathoi sugurtavi;
• dilerho oid ba peshnihodi vositahoi naqliyoti nav/istifodashuda;
• dilerho oid ba peshnihodi qismhoi ehtiyotii mekhanikii istifodashuda;
• har nav biznes, ki bo jarayoni shiddatnoki puli naqd aloqamand ast;
• biznese, ki munosibat dorad ba:
• naql/istehsoli mavodi mukhaddir;
• mablagguzorii terrorizm;
• jamovarii malumoti sirii bonki;
• sohahoi faoliyat, ki dar on jo asori mubodilashavanda vase istifoda burda meshavad.

B.  Mahsulothoi bonki bo khavfi baland:

• kushodani adadi ziyodi hisobhoi pasandozi az jonibi yak mizoj, ki mablagi umumii vositahoi puli dar onho – ziyod yo minbad onho baroi maqsadhoi baroi mizoji mazkur khos nabuda, intiqol doda meshavad;
• zud-zud ivaz kardani pulhoi ziyodi kogazii mayda bo pulhoi kalon va amaliyoti baraks;
• amaliyothoi doimi, ki bo faoliyati asosii mizoj aloqamand nestand, oidi kharidu furushi asori khoriji baroi maqsadhoi pardokht dar hajmhoi kalon az rui shartnomaho va ahdho;
• giriftani mablagi kaloni naqdi az surathisob, ki to in lahza faol nabud, yo ba on mablagi kalon intiqol doda shud;
• tez-tez vorid namudani mablag ba hamon yak surathisob az jonibi shakhsoni mukhtalifi seyum biduni asosi dakhldor;
• intiqoli vositahoi puli ba khorija ba surathisobi sohibash nomalum yo voridshavii vositahoi puli az chunin surathisob;
• peshnihod nakardan yo kashol dodani peshnihodi malumot oidi maqsadi biznes, tarikhi bonki, kormandon yo rohbariyat, mahalli joygirshavii mizoj;
• sarpechi az peshnihodi malumot baroi imkoniyati bahodihii mizoj baroi dodani qarz yo peshnihodi digar khizmatrasonihoi bonki.

Ba iborai digar, har nav mahsuloti khizmatrasonii Bonk, ki baroi tabdili puli naqd ba olotho (instrumentho) istifoda burda meshavad va baroi dar muhlati kutohtarin anjom dodani pardokhti favri imkoniyat medihad, doroi darajai khavfi baland meboshad.

• Talaboti asosi baroi tatbiqi samaranoki siyosat oid ba muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm – dar BONK mavjud budani malumot, ki nishondihandahoi baroi BONK nisbatan muhimi mizojoni onro inikos menamoyad, az jumla malumot dar borai hayati muassison, maqomi ijroiya, namud va shaklhoi faoliyat, digar mushakhkhasot va tavsifoti zaruri. BONK metavonad tanho bo on mizojon munosibat barqaror namoyad, ki nisbati sarchashmahoi daromadho va mablagguzorii onho mumkin ast dar doirai aql paydoishi qonunii onho tasdiq shuda boshad.
• Vazifai BONK munosibati bodiqqat ba amaliyotho bo ishtiroki BONK meboshad (az on jumla kushodani depozit, sarmoyaguzori baroi hifzi vositahoi puli va arzishho yo surathisobhoi qarzii fardi/korporativi), ki ehtimolan metavonand baroi rasmikunonii mablagho va mablagguzorii terrorizm istifoda burda shavand va paygirii harakati vositahoi puli dar surathisobhoi mizojon baroi oshkor namudani alomathoi faoliyat oid ba rasmikunonii mablag va mablagguzorii terrorizm dar doirai qobili qabul.
• Alomathoi dakhldor va ehtiyotkori nisbat ba amaliyothoi gayrioddi va shubhaovar metavonand baroi oshkor kardan va bozdoshtani naqshai rasmikunonii mablag va mablagguzorii terrorizm musoidat namoyand.
• BONK baroi peshgiri kardani chi hamkorii barqasdona va chi beqasdona dar rasmikunonii mablag va mablagguzorii terrorizm yak qator choraho meandeshad. Az jumlai onho muhimtarinashon inho meboshanad:

• Mavjud budani malumoti zaruri dar borai mizoji khud va tabiati tichorati u;
• Omuzishi amaliyothoi (tranzaksiyahoi) az jonibi mizojon guzaronidashavanda, dar zumrai onho oshkor namudani amaliyothoi shubhanok va dar in khusus khabardor kardani maqomi nazorat;
• Sabt kardan va nigoh doshtani malumot oidi amaliyothoi bonkii guzaronidashuda;
  • CHorahoi dar bolo ovardashuda panj talaboti asosiro dar bar megirad:
• Mushakhkhassozii shakhsiyati mizoj;
• Fahmishi tichorati u;
• Giriftan yo mavjud budani malumot dar borai manbai vositahoi pulii mizoj;
• Monitoringi surathisobho oid ba masalai ba samti digar mayl kardan az rafti faoliyati muqarrari;
• Muayyan namudan, ki chunin maylkuni bo amaliyoti shubhaovar aloqamand ast.
  • Dar sharoiti muosir holathoi istifodai amaliyothoi bonki baroi maqsadhoi terrorizmi baynalkhalqi joy dorand. Dar JSP «BONKI TOJIKISTON» tartibi hatmii sanjishi hamai mizojon az rui ruikhati terroriston, ki az jonibi maqomoti vakolatdori davlati peshnihod meshavand, amal mekunad. Mahz bo in roh, BONK rioyai talaboti peshnihodshavanda oid ba oshkor kardan va mahkam kardani surathisobhoi shakhsoni dar anjomdihii amaliyothoi terroristi gumonbarshudaro tamin mekunad.

2.    TARTIBOTE, KI BAROI SANJISHI MIZOJ ZARUR AST

• Mushakhkhassozii mizoj bo maqsad dastras namudani tasavvuroti nisbatan mufassal dar borai mizoj anjom doda meshavad.
• Mushakhkhassozii shakhsiyati mizoj ayniyati (mutobiqati) purrai tamomi mavodhoi hujjatii az jonibi u peshnihodshuda meboshad, ki shakhsiyati vay va doirai faoliyati sohibkorii vayro tavsif menamoyad. Menejeri (mutakhassisi) aloqa bo mizojoni BONK boyad ba sanjishi shakhsiyati mizojon va molikoni (benefitsiarhoi) khud bomasuliyat raftor namoyad va bo onho tanho dar on holat kor kunad, ki agar sanjish purra guzaronida shuda boshad.
• Mizoj to vorid shudan ba har nav munosibathoi kori yo bonki boyad durust va boetimod mushakhkhas shuda boshad.
• Binobar on ki mizojoni BONK metavonand ham shakhsoni voqei va ham shakhsoni huquqi boshand, dar BONK dar doirai nazorati dokhili hangomi mushakhkhassozii mizojon istifodai tartiboti gunogun qabul shudaast:

A.  Talabot oid ba mushakhkhassozii shakhsoni voqei:

• Odamone, ki bo faoliyati ziddiqonuni mashguland, hamesha behtar meshumorand, to ki shakhsiyati onho mushakhkhas nashavad. Az in ru, bisyor vaqt hangomi kushodani surathisobhoi shakhsi, intiqoli mablagho va hangomi giriftani digar khizmatrasonihoi Bonk, az jonibi onho hujjathoi qalbaki, sokhta yo duzdidashuda peshnihod karda meshavand. Vobasta ba in, kormandoni BONK baroi omuzish va tasdiqi shakhsiyati mizoji ehtimoli boyad sayyu kushishi ziyod namoyand. Kushodani surathisobho tanho pas az tasdiqi purra va qanoatbakhshi shakhsiyati mizoj imkonpazir ast.
• Talaboti asosi hangomi dida baromadani hujjat, ki shakhsiyati mizojro tasdiq menamoyad, ba tavri zayl ast:

• Hujjate, ki shakhsiyati mizoji ehtimoliro tasdiq menamoyad, boyad ba talaboti zerin mutobiq boshad:
• boyad az jonibi maqomi davlati doda shuda boshad;
• raqami mushakhkhasi khud va rasm, ki dar on voqean peshnihodkunanda tasvir yoftaast, doshta boshad;
• joy va tarikhi dodan doshta boshad;
• muhr dar borai qayd doshta boshad;
• nomi purrai sohibi hujjat va tarikhi tavalludi onro doshta boshad;
• imzoi shakhsi mushakhkhasshavandaro doshta boshad.
• Guzaronidani tartibi hatmii sanjishi hamai mizojon az rui ruikhati terroriston, ki az jonibi maqomoti vakolatdori davlati peshnihod meshavand.
• Hamai malumotho boyad az hujjathoi asli jamovari shavand, ki dar asosi onho nuskhahoi hujjatho baroi joygir kardan dar parvandai mizoj tashakkul meyoband, ki az jonibi BONK tashakkul doda meshavad va baroi nigohdori to intihoi muhlati taminoti hifz guzoshta meshavad.
  • Gayr az malumotho az hujjathoi rasmi, parvandai mizoj boyad har nav digar malumothoro doshta boshad, ki ham hangomi suhbat bo u, hamchun qarzgiri BONK va ham az digar sarchashmahoi rasmi va gayrirasmi girifta shudaast, masalan, dar borai daromadhoi harsolai mizoj, sarchashmai vositahoi pulii pasandozshavanda, joyi zisti voqei va g.
  • Boyad ba munosibathoi kori va ahdhoi shakhsi voqei bo shirkatho va shakhsoni – gayrirezidenti Jumhurii Tojikiston diqqati makhsus doda shavad.

B.  Talabot oid ba mushakhkhassozii shakhsoni huquqi:

• Dar holati kushodani surathisobho ba mizojoni korporativi zarur ast, ki shakhsiyati shakhsi vakolatdori shirkatro muarrifikunanda mushakhkhas karda shavad, ba vakolatho va haqiqi budani shakhson, ki u az nomi onho baromad mekunad, bovari hosil shavad.
• Pesh az on ki munosibathoi kori barqaror karda shavad oid ba muqarrarsozii on ki arizadihanda parokanda nameshavad, az fehrist (reestr) khorij nameshavad, barham namekhurad yo faoliyati khudro qat namekunad choraho andeshida shavad. Ilova bar in, agar minbad dar sokhtor yo huquqi molikiyati shirkat yagon nav tagyirot ba miyon oyad yo vobasta ba tagyirot dar naqshai ijroi pardokhtho tavassuti surathisobi shirkat shubha ba miyon oyad, pas boyad sanjishhoi ilovagi guzaronida shavad.
• Bo maqsadi kushodani surathisobi mizoj – shakhsi huquqi zarur ast, ki mavjudiyati hujjathoi huquqmuayyankunandai zerin (nuskhahoi asl yo nuskhahoi tavassuti idorai notariali tasdiqshuda) tamin karda shavad:

• Raqami baqaydgiri; joyi baqaydgiri; mahalli joygirshavi;
• SHahodatnoma dar borai tasisi shakhsi huquqi yo hujjati muodil;
• Oinnomai shakhsi huquqi;
• Qarori maqomi vakolatdori idorakunii shakhsi huquqi oidi kushodani surathisob va dodani vakolat ba shakhsone, ki bo in surathisob amaliyotho anjom medihand;
• Justujui parvandai shirkat dar maqomoti baqaydgirii on;
• Malumothoi shakhsii ashkhos, ki baroi guzaronidani amaliyot bo surathisob vakolat dorand.
  • Kormandi masuli BONK boyad hangomi qabuli hujjatho ba masalahoi zerin diqqati makhsus dihad (talaboti haddi aqal):
• oyo nuskhahoi aslii hujjathoi peshnihod meshavand;
• oyo muhr dorand (rangi yo barjasta);
• oyo dog, tozashuda va gayra dorand;
• oyo rasmi dar hujjat buda rasmi peshnihodkunandai hamin hujjat ast;
• oyo sinnu soli peshnihodkunanda ba tarikhi tavalludi u, ki dar hujjati shakhsiyati uro tasdiqkunanda ishora shudaast, mutobiqat mekunad;
• oyo imzoi dar hujjatho buda bo imzoi dar huzuri shumo guzoshtashuda mutobiqat mekunad;
• oyo mizoj az khizmatrasonihoi miyonaravho yo agentho baroi peshnihodi hujjatho istifoda mebarad.
  • Kormandi BONK dar doirai ijroi tartiboti hatmii mushakhkhassozii mizojon vazifador ast sanjishi hamai mizojonro az rui ruikhati terroriston, ki az jonibi maqomoti vakolatdori davlati peshnihod meshavand, anjom dihad.

V. Alomathoe, ki metavonand hamchun shubhanok muayyan karda shavand:

2.14. Hangomi guzaronidani chorabini oid ba mushakhkhassozii mizojon, az jonibi kormandi BONK imkon dorad alomathoe oshkor karda shavand, ki metavonand hamchun shubhanok muayyan karda shavand, ki pesh az guzaronidani amaliyothoi shubhanoki bonki ba vuqu oyand. In alomatho metavonand chunin boshand:

• mizoj az peshnihod namudani hujjathoe (malumotho), ki baroi mushakhkhassozi zarur meboshand, khuddori menamoyad;
• tashvishi ziyodati va gayrioddii mizoj doir ba masalahoi makhfiyat;
• baroi mushakhkhassozii khesh mizoj hujjathoi (malumothoi) nopurra, beetimod yo bardurugro peshnihod menamoyad;
• malumothoi mushakhkhassozii mizoj muvofiqat namekunand;
• bovari kardan ba durustii hujjathoi peshnihodshuda imkonnopazir ast;
• mizoj be yagon dalel peshnihod namudani hujjathoro kashol medihad;
• dar hujjate, ki mizoj peshnihod namudaast, sanai kuhnai doda shudan guzoshta shudaast, vale hujjat haqiqatan nav menamoyad yo khud dar on sanai navi doda shudan darj gashtaast, dar holate ki boyad sanai kuhna darj megasht;
• mizoj az peshnihod namudani hujjathoi asli dast kashida, tanho nuskhai onhoro peshnihod menamoyad;
• dar hujjathoe, ki az jonibi mizoj baroi surat giriftani ahdho peshnihod karda meshavand, nomutobiqati joy dorand;
• mizoje, ki dar hududi Jumhurii Tojikiston iqomat yo khud huzur dorad, dar jarayoni ijro namudani ahdho ruirost az vokhuri bo kormandi BONK, ki ba uhdadorihoi vazifaviash mushakhkhassozii mizoj yo khud amaliyothoi guzaronida u vorid shudaand, kanorajui mekunad.

G. Tartiboti nazoratii ilovagi hangomi mushakhkhassozii mizoj:

                        2.15. Baze namudhoi sanjishhoi ilovagi metavonand doir ba mizoj va malumothoe, ki az jonibi u peshnihod shudaand, malumoti kofii asosnokkardashuda dihand. Misoli chunin sanjishho metavonand inho boshand:

• sanjish az rui malumotnomai telefonho;
• istifodai har guna nizomi kompyuterikunonidashuda baroi sanjishi poygohi dokhili va berunai malumotho, bo maqsadi paydo namudani yagon nav nomutobiqati dar malumoti peshnihodshuda (masalan, muqoisa bo malumothoi byuroi tarikhi qarzho);
• anjom dodani tamos bo telefonhoi khizmati va yo khonagii az jonibi Mizoj peshnihodshuda;
• bo rozigii mizoj, dar shubai kormandoni mizoj aniq namudani vazifahoi kormandone, ki tavre dar hujjathoi peshnihodshuda nombar shudaand;
• sanjishi malumotho doir ba Raqami Mushakhkhasi Andozsuporanda, raqamhoi surathisobhoi shakhsi va gayra.

3.    TARTIBOTI NAZORAT HANGOMI PESHNIHODI HIZMATRASONIHOI BONKI

• Tartiboti nazorati hatmi, sabti hujjatii malumothoi zerinro hangomi barqaror namudani munosibathoi kori, kushodani surathisob yo khud bo suporishi mizoj guzaronidani digar amaliyothoi bonkiro dar nazar dorad;

a) namudi amaliyot va asosi doirshavii on;

b) sanai doir namudani amaliyot bo vositahoi puli yo bo digar molu mulk, inchunin hajmi mablage, ki amaliyot doir shudaast;

v) malumoti zaruri baroi mushakhkhas namudani shakhsi voqei, ki amaliyotro bo vositahoi puli yo khud digar molu mulk doir menamoyad (malumothoi shinosnoma yo digar hujjati tasdiqkunandai shakhsiyat), raqami mushakhkhasi andozsuporanda (dar holati mavjud budani on), surogai joyi istiqomatii u;

g) nomguy, raqami mushakhkhasi andozsuporanda (dar holati majud budani on), raqami baqaydgiri, joi baqaydgiri va surogai mahalli joygirshavii shakhsi huquqii bo vositahoi puli yo khud digar molu mulk amaliyot doirkunanda;

d) malumoti zaruri baroi mushakhkhas namudani shakhsi voqei yo huquqie, ki bo suporish va az nomi u bo vositahoi puli yo khud bo digar molu mulk amaliyot surat megirad, raqami mushakhkhasi andozsuporanda (dar holati mavjud budan), surogai joyi istiqomatii shakhsi voqei yo mahalli joyrigshavii shakhsi huquqi;

e) malumoti zaruri baroi mushakhkhas namudani namoyandai shakhsi voqei yo huquqie, ki bo vositahoi puli yo khud bo digar molu mulk az nomi shakhsi digar bo istifoda az vakolate, ki dar asosi bovari, qonun yo sanadi maqomoti vakolatdori davlati yo maqomoti khudidorakunii mahalli asos yoftaast,amaliyot meguzaronad, surogai joyi istiqomatii namoyandai shakhsi voqei yo huquqi;

j) malumoti zaruri baroi mushakhkhas namudani girandai vositahoi puli va namoyandai u az rui amaliyot bo vositahoi puli yo khud digar molu mulk, az on jumla raqami mushakhkhasi andozsuporanda (dar holati mavjud budani on), surogai joyi istiqomati yo makoni joygirshavii giranda va namoyandai u, agar in bo qoidahoi guzaronidani amaliyoti dakhldor peshbini shuda boshad.

3.02. Bahodihi va omuzishi amaliyot (tranzaksiya) – in usul baroi muayyan namudani muvofiqati biznesi mizoj bo on elomiyae, ki u hangomi kushodani surathisob peshnihod namudaast, kumak merasonad. Dar holati yagon khel nomutobiqati yo mayl namudan ba samti digar, zarur ast, ki amaliyot (tranzaksiya) daqiqtar omukhta shuda, ba zaminai gayri oddi yo shubhaovari on, beshtar tavajjuh zohir gardad.

3.03. Dar aksar mavridho, maqsadi shakhse, ki mablagro rasmi mekunad yo khud ba terrorizm mablagguzori menamoyad in ast, ki to darajai imkon tedodi ziyodi sathhoro baroi amaliyot istifoda namoyad. In chunin mano dorad, ki mablag tavassuti yak qator sarchashmaho va ba vositai shakhson yo Bonkhoi gunogun meguzarad. Baroi in imkon dorad surathisobi mizoj, ki vaqti tuloni faol nabud yo khud mizojone, ki obruyu etibori khub va tarikhi tuloni dorand, istifoda shavad.

3.04. Masuliyati asosii monitoringi harakat dar surathisob dar zimmai kormandi amaliyotii BONK, ki hisobi mizojro pesh mebarad, meboshad. U boyad avvalin shuda ba amaliyothoi shubhaovar tavajjuh zohir namoyad.

3.05. Ahdho va amaliyothoi shubhaovar boyad hatman nazorat karda shavand, novobasta az hajmi mablage, ki amaliyot surat giriftaast yo khud metavonad surat girad.

3.06. Meyorhoi muayyankunii ahdho va amaliyothoi shubhaovar inhoyand:

  a) ahdhoi suratgirifta, ki mohiyati voqeii iqtisodi nadorand;

  b) anjom dodani amalhoe, ki ba kanoragiri az tartiboti monitoringi moliyavi ravona shudaand va dar qonunguzorii amalkunandai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm peshbini shudaand.

  v) mavjud budani asoshoi zehni yo khud shubha dar BONK (ki tavassuti on  mizoj mekhohad amaliyotro bo vositahoi puli yo digar molu mulk anjom dihad), dar borai on ki ahdho bo maqsadi qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda  yo mablagguzorii terrorizm anjom doda meshavand.

3.07. Dar poyon, ba sifati misol alomathoe ovarda shudaand, ki az nuqtai nazari mahsulothoi bonki shahodatdihandai shubhaovar budani amaliyoti guzaronidashavanda meboshand:

1. Amaliyotho bo puli naqd:

• mizoj dar yak ruz bo puli naqd yakchand amaliyoti hajman kalonro dar vohidhoi amaliyotii gunoguni BONK anjom medihad yo khud chunin amaliyothoro bo kumaki digar shakhson tashkil menamoyad;
• surathisobi shakhsi huquqi asosan ba shakli naqdi kredit yo debet meshavad;
• mizoj zud – zud hajmi kaloni mablaghoro bo bastahoi bonkhoi digar ba amonat meguzorad;
• mizoj miqdori gayrioddii amaliyothoi mubodilai asoriro anjom medihad.

2. Hisobarobarkunihoi gayrinaqdi:

• juziyoti to ba okhir nofahmoi pardokht va mizoj peshnihod namudani malumothoi ilovagiro rad menamoyad;
• mizoj az dalelhoi asosii (tranzaksiya) bokhabar nest va nisbat ba andozho, bojho, khirojkhoi pardokhtshavanda va amsoli onho gamkhori zohir namenamoyad;
• mizoj az jonibi shakhsi hamrohikunanda nazorat karda meshavad, dar holathoe, ki vaqte mizoj doir ba amaliyot malumot nadorad, bovari nadorad yo kuhansol meboshad va az jonibi shakhsi begona hamrohi karda meshavad;
• mizoj amaliyotero anjom medihad, ki az imkoniyathoi shirkati u ba marotib ziyod ast;
• mizoj zud – zud mablagi intiqolshudaro megirad yo mablag intiqol medihad, dar holate, ki namudi faoliyati Bonki u chunin faolnokiro talab namekunad;
• mizoj sarchashmahoi voqeii daromad nadorad, vale u zud – zud amaliyothoro anjom medihad;
• mizoj baroi ba anjom dodani amaliyot (tranzaksiya) moli sertalab, tuhfa, mukofot peshnihod menamoyad.

3. Amaliyothoi intiqoli:

• intiqol dodani hajmi kaloni mablag ba kishvarhoe, ki az jonibi FATT ba sifati hamkorinakunanda bo digaron dar samti peshgiri namudani qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, mushakhkhas gardonida shudaand;
• pas az intiqoli voridshavanda molik (benefitsiar) darhol digar olothoi puliro baroi pardokht ba shakhsi digar kharidori menamoyad;
• afzoishi gayrioddii intiqolhoi baynalkhalqi az rui surathisob, ba on nigoh nakarda, ki qablan chunin tarikhi intiqolho vujud nadosht va namudi zikrshudai faoliyati mizoj chunin mablaghoro hosil namenamud;
• mizoj mablagero, ki ba surathisobi u az khorija dokhil shudaast, ba kishvari digar intiqol medihad;
• mizoj mablaghoi intiqolyoftai khurdhajmro qabul menamoyad va pas az on hamai mablagro ba mamlakati digar meguzaronad.

4. Amaliyothoi qarzi:

• ba sifati ruypushkuni, vositahoi dar doirai huquqii offshori joygir kardashuda peshnihod karda meshavand;
• vositahoi qarzii giriftashuda gayri chashmdosht ba doirai huquqii offshori intiqol doda meshavand;
• mizoj miqdori gayrimeyorii surathisobi bonki dorad, dar hole ki namudi faoliyati u chuninro talab namekunad;
• amaliyot (tranzaksiya) doroi holathoe meboshad, ki BONK-ro majbur mesozand, binobar sababi shubhaovar budani paydoishi vositahoi pulie, ki baroi pushonidani qarz va/yo pardokht namudani foizhoi dakhldor baroi istifodabarii vositahoi qarzi istifoda meshavand, az qarzguzori khuddori namoyad.

5. Faoliyati investitsionii mizoj:

• vositaho ba mintaqahoi offshori guzaronida meshavand;
• investor nisbat ba masalahoi meyorii ba investitsiyaho dakhldoshta, ba misli komissiya yo olothoi nisbatan qulayi investitsioni betafovut ast;
• mizoj naqdina, suporishhoi puli, chekhoi roh yo khazinaro ba andozai hajmi mablagi na beshtar az sathi ogohinomai noziroti andoz, baroi qarzguzori ba hisobi investitsioni, ba amonat meguzorad.

6. Internet – banking (bankingi – onlayn) bo nazardoshti vorid namudani in namudi khizmatrasoni dar soli 2015

                        Hangomi ba vositai Internet peshnihod namudani khizmatrasonihoi bonki, se omili zerin mavjud meboshad, ki mushakhkhas namudani mizoj, monitoringi meyorii surathisobho va amaliyothoro (tranzaksiyahoro) dushvor megardonad:

• imkoniyati dastrasii nomalum tavassuti Internet;
• aloqai fosilavi miyoni mizoj va BONK;
• surati amaliyothoi (tranzaksiyahoi) elektroni.

                        Baroi past namudani khavfhoi imkonpazir, boyad BONK taminoti barnomavii makhsus doshta boshad (sohibi halhoi avtomatikikunonidashuda boshad), ki imkoniyati paygiri namudani amaliyothoi shubhanokro muvofiqi meyorhoi dodashudai shubhanoki va ba dast ovardani malumoti zarurii ilovagiro doir ba shakhsiyati mizoj – istifodabaranda peshnihod namoyad.

7. Korthoi pardokhti (bo nazardoshti vorid namudani in namudi khizmatrasoni dar soli 2015)

          Inchunin boyad dar nazar dosht, ki baroi qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, metavonand korthoi pardokhtii mizoj, ki kalidi dastrasii elektronii mizoj ba hisobhoi bonkii u meboshad, istifoda shavand. Korthoi pardokhti vositai qulay baroi ba khorija barovardani hajmi kaloni mablag meboshad, zero baroi pulhoi dar kortho buda pur namudani elomiya zarur nest.

                        3.08. Dar poyon ba sifati misol alomathoe ovarda shudaand, ki az shubhaovar budani amaliyoti guzaronidashavanda, az rui bahoguzori ba raftori ishtirokchiyoni guzaronidani amaliyoti bonki, shahodat medihand:

1. Raftori mizoji BONK:

• mizoj kushish menamoyad kormandi sohai amaliyotii BONK-ro baroi khuddori namudan az rioyai usulhoi bahisobgirii amaliyotho va/yo rioya nakardani talabothoi hisobotdihi moil sozad;
• mizoj kushish menamoyad, ki kormandi BONK-ro baroi rioya nakardani talaboti ba tavri zaruri ba rasmiyat darovardani amaliyotho moil namoyad;
• mizoj namekhohad, ki mablagi hajman kalonro dar yak surathisob tajammu sozad, novobasta az on ki u ba khubi medonad, ki dar chunin holat u foizhoi nisbatan baland megirad;
• bad az on ki ba mizoj khabar doda meshavad, ki malumot doir ba in amaliyot (tranzaksiya) metavonad dastrasi maqomoti andoz shavand, az idoma dodani amaliyot (tranzaksiya) dast mekashad;
• mizoj mablaghoro bozshumori nakarda ba amonat meguzorad;
• mizoj pulhoi sokhta yo farsuda, pulhoi kogazii iflosro ba amonat meguzorad;
• mizoje, ki manbahoi doimii daromadhoi hajman kalonro nadorad (donishjuy, nafaqakhur), mablagi hajman kalonro intiqol medihad yo mubodila menamoyad;
• gardishhoi kalon az rui surathisob dar davomi ruz, vale baqiyai nachandon kaloni vositaho ba holati ibtido va okhiri ruz;
• dar amaliyot shirkati offshori jalb gardidaast, ki nomi u instituthoi moliyavii shinokhtashudaro ba khotir meorad;
• amaliyot mamlakatho yo jazirahoi nomalumro dar bar megirad, ki dar kharita yoftanashon nomumkin ast;
• agent, hamchun shakhsi bovarinok yo mushoviri moliyavi az nomi shakhsi digar, be durust ba rasmiyat darovardani hujjatho, masalan, vakolatnoma, amal menamoyad.

2. Raftori kormandi BONK:

• kormand dar hisobothoi khattii dar BONK talabshavanda, malumothoro doir ba obruyu etibor, holati moliyavi va zakhirahoi mizoj az buda beshtar nishon medihad;
• kormand tarzi hayoti isrofkoronai nomuvofiq ba andozai muzdi mehnatashro pesh mebarad;
• kormand zud – zud dasturamalhoi nazorati dokhiliro rioya namekunad yo kushish menamoyad, ki onhoro sarfi nazar kunad;
• kormand vositahoi pulii shirkatro baroi pesh burdani manfiathoi shakhsii khesh istifoda mebarad;
• kormand ba amaliyote (tranzaksiyae) musoidat menamoyad, ki dar on juziyoti molik (benifitsiar) yo sharik kushoda nameshavand;
• kormand rukhsatii mehnati namegirad, dar joi kor to bevaqtii shab memonad.

4.    AMALIYOTHOE, KI TAHTI NAZORATI HATMI QAROR MEGIRAND

4.01.   Amaliyot bo vositahoi puli va (yo)  digar molu mulk zeri nazorati hatmi qaror megirand, agar az rui khislati khesh on ba yake az namudhoi amaliyoti zerin muttaaliq boshad:

Namudi amaliyot	SHakli hisobbarobarkuniho	Hajmi mablagi amaliyot, ki tahti nazorat meaftad
1.         Giriftani burd, az rui natijahoi garavbandi, qimorbozi, inchunin lotoreyai guzaronidashuda; az jumla dar shakli elektroni	Ba tavri naqdi	Barobar yo beshtar az 14 000 (chordah hazor) somoni yo khud muodili on bo asori khoriji
2.         Harid, furush va mubodilai asori khorijii naqd tavassuti nuqtai mubodilai asor	Ba tavri naqdi	Barobar yo beshtar az 14 000 (chordah hazor) somoni yo khud muodili on bo asori khoriji
3.         Giriftani pul az rui chek yo veksel, hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi pay dar pai taqvimi surat giriftaast	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
4.         Ivaz namudani puli kogazii yak arzish doshta, ba puli kogazii digar arzish doshta, hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi pay dar pai taqvimi surat giriftaast	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
5.         Az hisobi bonkii mizoj giriftan yo ba hisobi bonkii mizoj vorid namudani pul, hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi pay dar pai taqvimi surat giriftaast	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
6.         Ba hisobi bonkii mizoj vorid namudan yo intiqol dodani pul, az jonibi shakhsi voqei yo huquqi, ki dar navbati khud doroi qayd, joi istiqomat yo mahalli joygirshavi dar hududi offshori va sohibi hisobi bonkii dar hududi offshori baqayd girifta shuda meboshad, surat giriftaast yo intiqoli mablag az jonibi mizoj ba manfiati guruhi shakhsoni zikrshuda, hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi pay dar pai taqvimi surat giriftaast	Ba tavri gayrinaqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji

Namudi amaliyot	SHakli hisobbarobarkuniho	Hajmi mablagi amaliyot, ki tahti nazorat meaftad
7.         Ba khorija intiqol dodani pul ba surathisobhoe (ba amonatho), ki ba nomi shakhsi nomalum kushoda shudaand, vorid shudani pul az khorija az surathisobe (amonate), ki ba nomi shakhsi nomalum kushoda shudaast, hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi paydarpai taqvimi surat giriftaast	Ba tavri gayrinaqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
8.         Kushodani hisobi pasandozi (amonat) ba manfiati shakhsi seyum va (yo) vorid namudani pul ba chunin hisob hamchun amaliyoti yakdafaina va hamchun amaliyote, ki dar tuli haft ruzi pay dar pai taqvimi surat giriftaast	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
9.         Pardokhtho va intiqoli pulhoi az jonibi mizoj ba manfiati shakhsi digar ba tavri roygon suratgirifta	Ba tavri naqdi va gayrinaqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
10.     Haridori namudan (furukhtani) arzishhoi madani	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
11.     Amaliyothoi az jonibi shakhsoni huquqi suratgiranda, ki az lahzai baqaydgirii davlatii onho na kamtar az se moh sipari shudaast	Ba tavri naqdi va gayrinaqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
12.     Ba Jumhurii Tojikiston  vorid namudan yo az Jumhurii Tojikiston berun barovardani asori naqdi, ba istisnoi vorid namudan yo berun barovardan az jonibi Bonki millii Tojikiston, bonkhoi tijorati va Bonkhoe, ki hizmatrasonii pochtaviro anjom medihand	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
13.     Anjom dodani pardokhti sugurtavi yo khud giriftani mukofotpulii sugurtavi	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji

Namudi amaliyot	SHakli hisobbarobarkuniho	Hajmi mablagi amaliyot, ki tahti nazorat meaftad
14.     Vorid namudan, guzaronidani azohaqihoi ikhtiyorii nafaqavi ba fondhoi gunshavandai nafaqavi, inchunin anjom dodani pardokhthoi nafaqavi az fondhoi gunshavandai nafaqavi az hisobi azohaqihoi ikhtiyorii nafaqavi	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
15.     Giriftan yo khud peshnihod namudani molu mulk az rui shartnomai lizingi moliyavi	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
16.     Ahdho doir ba peshnihodi khizmatrasoniho, az on jumla paymon, intiqoli bor, ekspeditsiyahoi naqliyoti, mahfuz nigoh doshtan, komissiya, dar asosi bovari idora namudani molu mulk	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
17.     Harid – furush va digar amaliyotho bo fuluzoti qimatbaho, sanghoi qimatbaho va masnuot az onho	Ba tavri naqdi	Barobar yo beshtar az 70 000 (haftod hazor) somoni yo khud muodili on bo asori khoriji
18.     Ahdho bo amvoli gayrimanqul va digar molu mulk, ki boyad hatman az qaydi davlati guzarand	Ba tavri naqdi va gayrinaqdi	Barobar yo beshtar az 500 000 (panjsad hazor) somoni yo khud muodili on bo asori khoriji
19.     Ahdho bo qogazhoi qimatnok	Ba tavri naqdi	Barobar yo beshtar az 500 000 (panjsad hazor) somoni yo khud muodili on bo asori khoriji

Ezoh: Agar amaliyot bo vositahoi puli yo digar molu mulk bo asori khoriji surat girad (namudi asor hatman darj megardad), andozai on bo asori milli az rui qurbi rasmii Bonki millii Tojikiston, ba holati sanai suratgirii chunin amaliyot, muayyan karda meshavad.

4.02. Nazorati amaliyot bo mablaghoi puli va yo digar molu mulk hatmi meboshad, agar yake az tarafho shakhsi voqei va yo huquqi boshad, ki nisbati on bo tartibi muayyanshudai Qonuni Jumhurii Tojikiston «Dar borai mukovimat ba konunigardonii (rasmikunonii) daromadkhoi bo rokhi chinoyat  badastovarda va mablagguzorii terrorizm», malumot oid ba ishtiroki u dar faoliyati terroristi mavjud meboshad yo in, ki shakhsi huquqi ba tavri bavosita yo bevosita tahti molikiyat yo tahti nazorati in guna shakhsiyathoi voqei yo huquqi qaror dorand yo in, ki shakhsiyati voqei yo huquqie, ki az nom va yo farmoishi in guna Bonkho yo shakhsiyatho faoliyat mekunand. Nomgui in guna shakhsoni voqei va huquqi tavassuti maqomoti vakolatdori davlati muayyan karda shuda, baroi istifoda dar kori amali ba BONK hamchun Bonki qarzie, ki amaliyothoro bo mablaghoi puli va yo digar molikiyat anjom medihad, irsol mekunad.

4.03. Zaminai dokhil kardani shakhsoni voqei yo huquqi ba fehresti dar bandi 4.02 zikrshudai in Nizomnoma, iboratand az:

1. Quvvai qonuni giriftani hukmi sudi Jumhurii Tojikiston oid ba aybdor etirof kardani shakhs dar anjom dodani jinoyati khususiyati terroristi doshta;
2. Quvvai qonuni giriftani hukmi sudi Jumhurii Tojikiston dar borai man kardani faoliyati shakhsi voqei dar asosi az tarafi u anjom dodani faoliyati ekstrimisti;
3. Arizai Prokurori Generalii Jumhurii Tojikiston yo prokurorhoi ba u tobe ba sud dar borai man kardani faoliyati terroristii shakhs va ba javobgari kashidani u;
4. Qarori mufattish yo prokurori Jumhurii Tojikiston dar borai kushodani parvandai jinoi nisbati shakhse, ki jinoyati khususiyati terroristi doshtaro anjom dodast;

5.Ba fehrist dokhil kardani shakhsoni voqei va huquqie, ki bo Bonkhoi terroristi yo teroristho irtibot dorand, ki az tarafi Bonkhoi baynalmilalie, ki bo terrorizm muboriza mebarand yo maqomoti uhdadori etirofshudai onho az tarafi Tojikiston:

6. Hukmhoi (qarorhoi) sudi va digar maqomoti vakolatdori davlathoi khorijie, ki az tarafi Tojikiston muvofiqi sanadhoi hukquqii baynalmillali etirof karda meshavand nisbati Bonkho yo shakhsoni voqeie, ki faoliyati terroristi mebarand.

5.AMALHOI KORMANDON HANGOMI OSHKOR GARDIDANI AMALIYOTHOI SHUBHANOK

5.01. Kormandi BONK bad az fahmidani on, ki bo amaliyoti bonkii shubhanok ru ba ru shudaast va hatto agar, in ahd allakay ijro shuda boshad, boyad tajilan chunin raftor namoyad:

• dar borai tasdiqi tranzaksiya az mizoj malumoti ilovagi talab namoyad;
• dar holati javobi rad giriftan yo ba andeshai kormand kofi nabudani malumoti ilovagii az mizoj giriftashuda, u boyad hatman sardori bevositai khudro shifohi khabardor namuda, badan dar shakli khatti dar borai tranzaksiyai mazkur malumot peshnihod namoyad;
• dar holati agar, kormand az sardori bevositai khud gumonbar shavad, u boyad dar in khusus hatman ba tavri shifohi va khatti, sardori bevositai khudro khabardor nakarda, kormandi masuli BONK-ro, ki baroi rioyai tartiboti nazorati dokhili masul meboshad, malumot dihad;

5.02. Sardori sokhtor dalelho va nishonahoi onro, ki az tarafi kormand nishon dodashudaand, bahoguzori namuda, dar holati dastgiri kardani khavfi oshkorgardida, ba shakhsi vazifadori BONK-ro, ki baroi  rioyai tartiboti nazorati dokhili masul meboshad, khabardor menamoyad. Dar holathoe, ki gumoni kormand tasdiq nagardidand va bo mizoj mojaro ba vujud oyad, ongoh in masalaho metavonand az tarafi khudi sardori sokhtor hal karda shavand.

Dar har mavrid, be nazardoshti on, ki masalai guzaronidani amaliyoti bonkii mizoj dar on lahza ba tavri musbi qaror qabul gardida boshad ham, Rohbari vohidi sokhtori nuskhai hisoboti avaliyai kormandro oid ba shubhahoi (gumon) joy doshta, dar yakjoyagi bo tafsiroti khud ba shakhsi vazifadore, ki nisbati rioyai qoidahoi nazorati dokhilii BONK uhdador meboshad , peshnihod menamoyad.

5.03. SHakhsi vazifadori masuli rioyai tartiboti nazorati dokhilii BONK dar sharoite, ki tafsiroti tasdiq nagardidai kormand begaraz tahiya shuda boshand, BONK nisbati in kormand yagon choraho nameandeshad va in naboyad, tasiri manfii khudro ba peshravii faoliyati minbadai e rasonad.

5.04. SHakhsi vazifadori masuli rioyai qoidahoi nazorati dokhilii BONK boyad, reestri in namudi hisobothoro anjom dihad, agar chi bo guzashti zamon in rui in shubhaho bedalel malum shavand.

5.05. Ba shakhsi vazifadori masuli rioyai qoidahoi nazorati dokhilii BONK uhdadorihoi qabul namudani qaror nisbati malumot oid ba amaliyothoi shubhanoke, ki ba U az tarafi kormandon va vohidhoi sokhtori vorid megardand, voguzor karda meshavad.

5.06. Hangomi burdani taftish guzaronidani amalhoi zerin, zururi meboshand:

• Tamomi mavodhoi dakhldor nisbati amaliyothoi gayrioddi va shubhanok (yane, sanjidani durusti va mukamalii hujjathoi avvaliyai peshnihod gashta az tarafi mizoj baroi kushodani surathisob va hamchunin, digar malumoti dastrasbuda oidi transaksiyaho), bo diqqat omukhta shavand.
• Sanjidani tamomi korhoi anjomshuda tavassuti kormandi BONK hangomi kushodani surathisob baroi mizoj (yane, az tarafi kormandi BONK rioya gardidani talaboti muayyanshuda oidi muboriza ba konunigardonii (rasmikunonii) daromadkhoi bo rokhi jinoyat  badastovarda va mablagguzorii terrorizm).

SHakhsi vazifadori masuli rioyai qoidahoi nazorati dokhilii BONK oidi masalahoi peshgirii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii  terrorizm meboshad, az natijai sanjishi guzaronidashuda (az natijai guzaronidani sanjishi hujjatho boshad-Rohbari khadamoti Auditi dokhili), khulosai khudro nisbati sanjishi in voqea ba nomi Direktori BONK tahiya mekunad.

Hulosa boyad dalelhoi tasdiqkunanda va yo in, ki inkorkunandaro oidi gayrioddi va yo shubhanok budani amaliyotro dar bar girad. Dar surati tasdiq gardidani dalelho dar khulosa boyad, peshnihodoti zerin oid ba jori namudani chorahoi muqovimat, darj shuda boshand:

• Davom dodani munosibat bo mizoj bo tariqi monitoringi shadid:
• Qat namudani munosibat bo mizoj:
• Ogoh kardani sokhtorhoi dakhldori davlati (Agar in namudi malumotdihi muvofiqi talaboti qonunguzorii amalkunandai Jumhurii Tojikiston, zaruri boshad.):

5.07. Habar dodani maqomoti davlatii dakhldor boyad, tahti muhri «Sirri bonki», bo rioyai qatii qonunguzori va digar sanadhoi meyorii Jumhurii Tojikiston, inchunin  dasturulamalho va farmoishoti Bonki Millii Tojikiston, anjom girad.

5.08. Dar mavridi oshkor shudani ahd va amaliyothoi shubhanok:

a) BONK vazifador ast, oidi on ba maqomoti vakolatdor malumot dihad. Tartib va muhlati peshnihod namudani malumot ba maqomoti vakolatdor az tarafi Bonki Millii Tojikiston, muayyan karda meshavad.

b) BONK huquq dorad, suporishi mizojro oid ba anjom dodani amaliyot rad namoyad, bagayr az amaliyothoi oidi qabul namudani mablaghoi pulie, ki ba surathisobhoi shakhsoni voqei va huquqi vorid shudaand va muvofiqi onho hujjat peshnihod nashudaast yo in, ki malumoti nodurust doda shudaast, ki baroi sabti malumot muvofiqi talaboti qonunguzorii amalkunanda zarur meboshand.

v) BONK mutobiqi bandi 3, qismi 5 va qismi 7 moddai 6 Qonuni JT «Dar borai  muqovimat ba qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm»  amaliyothoero, ki boyad tahti nazorati zaruri girifta shavand (dar muvofiqa bo maqomoti dakhldor) bozmedorad, ba istisnoi amaliyothoi doir ba guzaronidani mablaghoi pulie, ki ba hisobi mizojoni voqei yo huquqi baroi se ruzi kori az sanai amali shudani suporishnomai mizojon ijro karda shavad. Dar in holat na dertar az 24 soati bad az qat shudani amaliyot, BONK vazifador ast dar borai onho ba maqomoti vakolatdor malumot peshnihod namoyad.

5.09. Maqomoti vakolatdor  qarori bozdoshtani amaliyotho bo  mablaghoi puli yo digar molu mulkro dar holate man menamoyad, ki agar  malumoti giriftai on dar borai amaliyothoe, ki boyad tahti nazorati doimi girifta shavand muvofiqi natijai sanjishi peshaki beasos shumorida shavand.

5.10. Bo maqsadi peshgiri kardani qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, BONK huquq dorad, ki az digar Bonkhoi qarzi malumoti ilovagi jamovari namoyad.

 

6. TARTIBOTI TAMINI MAHFIYATI TAFTISHOT.

6.01. Tashkili nazorati dokhili dar BONK doir ba masalahoi muqovimat ba qonunigardonii daromadhoi bo rohi jinoyat ba dast ovarda va mablagguzorii terrorizm boyad dar murofiqa az rui amalhoi zerin ravona karda shavand:

a) tamini guzaronidani kursi nazariyavii talimi ba kormandoni BONK, ki baroi amali shudani tartiboti dar Nizomnomai mazkur peshbinigardida;

b) muqarrar kardani tartiboti makhfiyatnoki az rui hamai taftishothoi guzaronidashavanda muvofiqi talaboti Nizomnomai mazkur;

v) peshaki khabardor kardani kormandoni dakhldori BONK ( bo rohi talab kardani zabonkhat – uhdadori) dar borai sathi masuliyatnoki dar ijro kardani tartiboti oid ba guzaronidani tranzaksiyaho va inchunin, dar borai fosh kardani sirri bonki yo tijorati bayni shakhsone, ki ba malumoti makhfi az rui taftishothoi guzaronidashavanda va natijai onho ijozat nadorand.

Tartiboti ba kor qabul kardan va omuzonidani kormandoni BONK

6.02. Ravandi ba kor qabul kardan boyad az tartiboti dakhldori sanjishi kadrhoro baroi bahoguzori kardani har guna kormandoni ehtimoli iborat buda, pesh az qabuli onho ba kor amali shavad. Sanjishi kormandon to davrai qabul kardani onho ba kor boyad ba daryoft kardani malumotkhoi asli nisbati pokvijdoni, haqiqat va yo guzashtai onho, holathoi gumonbari va ba hamin tariq ba sifati kormandi BONK loiq budani onho muvofiqat namoyad. Tartiboti sanjish to davrai ba kor qabul kardani onho boyad az chunin chorahoi nihoi iborat boshand:

• muqarrar kardani shakhsiyat va joyi istiqomati doimi;
• tavsiyanomaho az manbahoi boetimod;
• tavsiyanoma az Bonki moliyavie, ki kormand qablan kor kardaast;
• muqoisa kardani shakhs va shakhsoni tavsiyadoda bo ruykhati shakhsoni beetimod;
• justuju kardani malumot dar borai muflisshavi yo faoliyati gayriqonuni, agar chunin holatho joy doshta boshand.

6.03. Kormandoni BONK omuzishi nazariyaviro doir ba holathoi qonunigardonii pulhoi ba tavri gayriqonuni ba dastovarda va mablagguzorii terrorizm va zaminai meyori – huquqiro doir ba masalai mazkur boyad purra guzarand.

Makhfiyatnoki hangomi guzuronidani taftishot.

6.04. Har yak kormandi BONK, ki bo tariqi ijroi vazifahoi khizmatiash dar borai taftishot dar  khususi ahdu amaliyothoi shubhanok/gayrioddi yo nisbati mizoj malum gardid, naboyad  in dalelro ba hamkoroni khud va khususan ba mizoj oshkor namoyad. Oshkor kardani daleli taftishot vayron kardani makhfiyati on mahsub yofta, muvofiqi nizomnomahoi dokhili va Konunguzorii amalkunanda ba javobgarii mamuri kashida meshavad.

Masuliyati kormandoni BONK.

6.05. Har yak kormandi BONK, ki bo tariki ichroi vazifakhoi khizmatiash dar borai taftishot dar  khususi akhdu amaliyotkhoi shubhanok/gayrioddi yo nisbati mizoj malum gardid, naboyad  in dalelro ba hamkoroni khud va khususan ba mizoj oshkor namoyad.

6.06. SHakhsi vazifadori BONK, ki baroi rioya kardani qoidahoi nazorati dokhili oid ba qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm masul meboshad (inchunin guzaronidani taftishi hujjatho – kormandoni Hadamoti auditi dokhilii BONK) baroi taftishi durust va begarazi inguna malumot dar borai guzaronidani amaliyothoi shubhanok az tarafi mizojoni BONK , javobgar meboshad. Hangomi guzaronidani taftishot onho tibqi qonunguzori va sanadhoi meyori – huquqii Jumhurii Tojikiston va inchunin Nizomnomai mazkur amal mekunand.

7. Tartibi tashkili nazorat az rui kori guzoshtashuda

• Dar BONK nazorat az rui ijroishi tartibi muqovimati ziddi qonunigardonii daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm, dar yakchand sath tashkil karda meshavad:

• nazorat dar sathi kormandoni BONK, ki ba mizoj khizmat merasonad
• nazorat az tarafi Hadomoti auditi dokhili
• nazorat az tarafi audirotoroni beruna

Nazorati ibtidoii dokhili

• Nazorati ibtidoii amaliyotho az tarafi kormandi BONK, ki ba hisobi mizoj javobgar ast, guzaronida meshavad.

Nazorati jori va oyanda az tarafi rohbari sokhtori amaliyoti (sektor,shuba) amali megardonad, kadome, ki amaliyothoi makhsusro az rui hisobi mizoj  meguzaronad.

Nazorati oyanda dar sathi shakhsi masuliyatnok, ki dar BONK baroi rioya namudani qoidahoi nazorati dokhili az rui peshgiri namudani rasmikunonii mablag va mablagguzorii terrorizm javobgar ast guzaronida meshavad (Sardor, sarmuhosib, risk-menejer).

Dar sathi Saridorai BONK az rui farmoni Direktor BONK boyad mutakhassisi peshbar baroi nazorat az rui muvofiqat kardani ijroishi oyin az rui masalahoi peshgirii rasmikunonii  mablag  va mablagguzorii terrorizm muayyan karda shavad, ki ba vazifahoi u dokhil meshavad:

• tamin namudani mavjudii tartiboti mutobiq az rui masalahoi peshgiri namudani rasmikunonii mablag va mablagguzorii terrorizm dar BONK;
• tamin namudani fahmondadihii siyosati BONK az rui masalahoi peshgirii rasmikunonii mablag va mablagguzorii terrorizm dar bayni kormandon;
• nazorat baroi dokhil namudani tartibot az rui masalahoi peshgiri namudani rasmikunonii mablag va mablagguzorii terrorizm dar dasturi tafsiri ravandhoi tijorati dar BONK, inchunin durust istifoda burdani on;
• sarivaqt rasonidani malumoti ba maqomoti vakolatdor dar borai amaliyothoi shubhanok;
• tamin namudani ittilooti makhfi nisbati mizojone, ki muvofiqi meyorhoi dar Nizomnomai mazkur gufta shudaast;
• tamin namudani muvofiqatkunii rasmikunonii mavjudai CHumhurii Tojikiston nisbati tartiboti dokhili az rui masalahoi peshgiri namudani mukovimat ba qonunigardonii mablag va mablagguzorii terrorizm, ishtirok dar behtar kardani on;
• tamin namudani ogokhi dar masalai tashabbusi baynalkhalqi az duchorshavii qonunigardonii mablagho va mablagguzorii terrorizm;
• giriftani tasdiqnomai oidi on, ki BONK tavajjuhi makhsus va az rui amaliyothoi aloqamandi Mamlakatho va Mintaqahoe, ki dar onho khavfi balandi guzaronidani amaliyothoi shubhanok joy dorand, muvofiqi ahdnomaho amal menamoyad.
• Tashkil va burdani hisoboti nomgui shakhson va Bonkhoe, ki az tarafi BONK ba «ruykhati siyoh» bo sababi beetimod budanashon shomil gardidaand(az rui reestre, ki az makomoti vakolatdori davlati girifta shuda, tarikhi manfii qarzi dorand va qablan dar guzaronidani amaliyothoi shubhanok, qallobi va gayra ishtirok namudaand);
• CHori namudani reestri amaliyothoi shubhanok,ki dar BONK ba qayd girifta shudaast;
• peshnihod namudani hisoboti semoha oidi khama gunna amaliyothoi shubhanok ba Kumitai audit va khavfhoi nazdi SHuroi nozironi BONK;

Javobgarii kormandoni BONK baroi qabul nakardani choraho yo beamali nakardan oidi rioya nakardani siyosati peshnihodshuda bo Qonuni Mehnatii CHumhurii Tojikiston tanzim meshavad va  chun rioya nakardani vazifahoi khizmati, bo rasonidani zarari moliyavi va inchunin obrui BONKro dar khavf memonand dida baromada meshavad.

8.  HOLATHOI NIHOI

8.01.Faoliyat az rui muqovimati qonunigardonii mablag va mablagguzorii terrorizm  tashkili  kori hamohangsoziro dar sathi baynalkhalqi talab menamoyad

8.02.Dar soli 1989 dar Parij Samiti kaloni haft davlat Komissiyai makhsus az rui Amalhoi Moliyavi  tashkil karda budand (FATF – Financial Action Task Force) baroi hamohangsozii  faoliyati  ziddi rasmikunonii mablag va mabaghoi terrorizm. YAke az vazifahoi asosi in tahiya namudani 40 Tavsiyanoma oidi qabul namudani choraho az tarafi khukumathoi milli baroi rasmikunonii mablag va mabaghoi terrorizm.

8.03 Azoyoni FATF mamlakathoero dokhil mekunand,ki markazhoi moliyavii asosiro  Avrupo, SHimol va CHanubi Amerika va Aziyaro ishgol mekunand.Azoyoni FATF inchunin Komissiya va SHuroi hamkorii mamlakathoi Haliji fors meboshand.

1. Argentina
2. Avstraliya
3. Avstriya
4. Belgiya
5. Braziliya
6. Kanada
7. Daniya
8. Mamlakathoi komissiyai avrupo
9. Finlyandiya
10. Faronsa
11. Olmon
12. Gretsiya
13. Amorati Muttahidahoi Arab
14. Gonkong, CHin
15. Islandiya
16. Irlandiya
17. Italiya
18. Jopon
19. Lyuksemburg
20. Meksika
21. SHohigarii Niderland
22. Zelandiyai Nav
23. Norvegiya
24. Portugaliya
25. Federatsiyai Rusiya
26. Singapur
27. Afrikai Janubi
28. Ispaniya
29. SHvetsiya
30. SHveysariya
31. Tursiya
32. Britoniyoi Kabir
33. IMA

9.04.Nomgui mintaqa va mamlakathoe, ki rejai imtiyoznokii andozro peshnihod menamoyand yo in ki malumoti zaruriro ba purragi ba maqomoti nazorati bonki peshnihod namekunand (mintaqahoi offshor) tashakkul doda shud va dar navbati khud dar holati guzaronidani monitoringi moliyavii amaliyothoi tranzaksiyavi  in nomguy boyad ba inobat girifta shavad.

Az jumla:

1. Angilya
2. SHohigarii Andorra
3. Jazirahoi Antilya (SHohigarii Niderland)
4. Jazirai Antigua
5. Aruba
6. Samoai garbi (Davlati sohibistiqloli Samoa)
7. Jazirahoi mushtarofei Bagama
8. Jazirai Barbuda
9. SHohigarii Belgiya
10. Beliz
11. Jazirahoi Barmud
12. Jazirahoi Britoniyo Virginiya
13. Gvatemala
14. Grenada
15. Mushtarofei Dominik (jazirai Dominika)
16. Jazirahoi Terks i Kaykos (mintaqai Britoniyoi Kabir)
17. Jumhurii Liberiya
18. SHohigarii Likhtenshteyn
19. Jazirahoi Kaymanov (mintaqai Britoniyoi Kabir )
20. Jumhurii Kosta-Rika
21. Jazirahoi Marshallov
22. Jazirai Men (mintaqai Britoniyoi Kabir)
23. SHohigarii Monako
24. Montserrat (mintaqai Britoniyoi Kabir)
25. Jumhurii Kipr
26. Jumhurii Nauru
27. Niue
28. Gibraltar (mintaqai Britoniyoi Kabir)
29. Jumhurii San Marino
30. Federatsiyai Sent-Kits va Nevis
31. Sent-Lyusiya
32. Sent-Vinsent va Grenadini
33. Jumhurii Vanuatu
34. Jumhurii SHimolii Urugvay
35. Jazirahoi Kuka (Zelandiyai Nav)

9.05. Rokhbariyati JSP «BONKI  TOJIKISTON» salohiyati vorid namudani taygirot ba Nizomnomai mazkur vobasta ba  taygirotho dar  muhiti huquqi-meyori, talaboti maqomoti vakolatdori davlati oidi monitoringi moliyavi, tavsiyahoi auditi dokhili va berunai Bonk meboshad.