NIZOMNOMAI KUMITA OID BA QARZHOI MUSHKILSITON

1.    MUQARAROTI UMUMI

• Kumita oid ba qarzhoi mushkilsitoni JSP «BONKI ALIF» (minbad «Kumita») bo qarori Rayosati Bonk az 07-umi apreli soli 2016 (qarori № 03 BBT) tasis doda shudaast va tobei Rayosati JSP «Bonki Alif» meboshad.
• SHumora va hayati shakhsii Kumita az tarafi Raisi JSP «Bonki Alif» muayyan karda shuda bo farmoni muvofiq vobasta karda meshavand.
• Ba hayati Kumita Rais, muovini vay va azoyoni Kumita dokhil meshavand.
• Dar holati bo sababhoi uzrnok hozir nashudani yake az azoyoni doimii Kumita, namoyandagii vay metavonad bo rohi ishtiroki jonishini basti yo in, ki shakhsi digare, ki doroi salohiyati muvofiq meboshad, tamin karda meshavad.
• Raisi Bonk huquqi ishtirok kardanro dar Jalasahoi Kumita dorad, dar vaqti qabuli qaror oidi tamomi masalaho huquqi ovozdihi dorad. Dar chunin holat, Raisi Bonk hamchun raisikunanda baromad menamoyad.
• Ba hayati Kumita metavonad kormandi Kumitai kor bo qarzhoi mushkilsiton ba haysi kotib-korguzori Kumita hamroh karda shavad, ki oidi tamomi masalahoi barrasishavanda huquqi ovozdihiro dorad.
• Kori Kumita dar asosi doimo amalkunanda bo guzaronidani jalasahoi naqshavii kori dar yak moh yak marotiba dar tarikhi 15-um, tashkil karda meshavad. Jalasahoi gayrinaqshavii Kumita az rui zaruriyat bo talabi Raisi Bonk, Raisi Kumita yo in ki yake az azoyoni Rayosati Bonk davat karda meshavad.
• Jalasa bo raisikunii Raisi Kumita va dar mavridi nabudani on muovini Raisi Kumita guzaronida meshavad. Dar holati ishtirok nadoshtani Raisi Kumita va muovini vay mumkin ast jalasai Kumita bo raisikunii Raisi Rayosati Bonk guzaronida shavad.
• Qaror oidi masalahoe, ki ba salohiyati Kumita dokhil meshavand, dar holate qabul karda meshavad, ki agar dar ovozdihi na kamtar az 6 azoi Kumita ishtirok doshta boshad. Dar in mavrid ishtiroki Raisi Kumita yo in, ki jonishini Raisi Kumita dar Jalasa hatmi meboshad.
• Qaror bo tarzi ovozdihii oddi bo aksariyati ovozho az jumlai ishtirokdoron dar Jalasai Kumita, qabul karda meshavad. Dar holati barobar budani ovozho, ovozi raisikunanda dar Jalasai Kumita, halkunanda hisobida meshavad.

2.    VAZIFA VA MAQSADI KUMITA

• Vazifai Kumita in dar Bonk tashkil va samaranok istifodabarii majmui muntazami dar asosi maslihat barrasi namudani masalahoi aloqamand ba tashkil va burdani munosibathoi qarziro bo qarzdorone, ki qarzi onho dar qismi tashvishovari sanduqi qarzii Bonk ba hisob girifta shudaand, ba shumor meravad.
• Maqsadi Kumita inhoyand:

• Favran hal namudani masalahoi aloqamand ba paydoshavii qarzhoi mushkilsiton dar tarkibi sanduqi qarzi baroi past namudani khavfi talafothoi imkonpaziri Bonk oidi qarzho;
• Omuzishi sababhoi paydo shudani qarzhoi mushkilsiton dar sanduqi qarzii Bonk baroi tahiyai peshnihodho oidi vorid namudani tagyirotho dar tartibi qarzguzori, hayati shakhsii korshinosoni qarzi, mamuroni qarzi yo in ki azoyoni kumitai qarzi;
• Tayyor namudani ruykhati qarzdoroni beetimod bo maqsadi dar oyanda peshgiri namudani barpokuni va burdani munosibathoi qarzi bo chunin ashkhos – mizojoni Bonk.

3.    SALOHIYATI KUMITA

• Ba salohiyate, ki az jonibi Rayosati JSP «Bonki Alif» ba Kumita oid ba qarzhoi mushkilsiton doda meshavad, masalahoi zerin dokhil meshavand:

• Barrasii peshnihodoti korshinosoni qarzi (filialhoi bonk) oidi masalahoi tagyir dodani sharthoi qarzguzori ba mizojon;
• Qabul namudani qaror oidi masalahoi dodani qarzi safedkuni ba qarzdorone, ki dar mavridi ijroi sharthoi shartnomai qarzii qablan basta shuda giriftori mushkiloti moliyavi meboshand, vale niyati jiddi va peshomadi voqeii ijroi uhdadorihoi khudro dar nazdi Bonk bo dastgirii muvofiqi Bonk dar oyandai nazdik dorand;
• Barrasii peshnihodoti sokhtorhoi amaliyotii bonk oidi masalahoi qat namudani munosibathoi qarzi bo qarzdoron va hamroh namudani onho ba ruykhati mizojoni beetimod;
• Barrasi va qabul namudani qaror oidi peshnihodoti sokhtorhoi amaliyotii bonk va (ba) maqomoti Sudi dar holati az tarafi mizojon ijro nakardani uhdadorihoi hud dar nazdi Bonk nisbati masalai ba tavozuni bonk qabul namudani amvolhoi bagaravmondashuda;
• Qabul namudani qaror oidi masalahoi furushi amvolhoi bar ivazi qarz va foizhoi hisobkardashudayu pardokhtnagardida ba tavozuni Bonk baroi furush giriftashuda;
• Barrasi va qabul namudani qaror dar borai peshnihodoti Direksiyai bonkdorii korporativi va Direksiyai bonkdorii chakana oidi tasdiq namudani ruykhati qarzhoi mushkilsitone, ki baroi pardokhti onho kormandoni bonk havasmand karda meshavand;
• Barrasi va qabul namudani qaror oidi ba SHubai huquq va kadrho vobasta kardani qarzhoi mushkilsitoni az tarafi Direksiyahoi korporativi va chakana peshnihodshuda baroi korbarii minbada;
• SHunidani hisoboti rohbaroni filialho, sardoroni sokhtorhoi qarziyu amaliyoti va korshinosoni qarzi oidi masalahoi sifati sanduqi qarzi va rafti kor bo qarzhoi mushkilsiton;
• Baroi korkardi mekhanizmi muvofiqakardashuda va qobili qabuli tarafayni tanzimi uhdadoriho, guzaronidani suhbatho bo qarzdorone, ki sharthoi shartnomai qarzii bastashudaro vayron namudaand,
• Tahlili rafti kor bo sanduqi qarzhoi az etibor soqitshuda, tashakkul dodani zakhirahoi talafothoi imkonpazir az rui qarzhoi mushkilsitoni sanduqi qarzii Bonk, bo tayyor namudani peshnihod ba Rayosati Bonk baroi didani chorahoi zaruri muvofiqi tartibi muqarrarshudai dokhilinizomi;
• Jambast namudani peshnihodhoi voridshuda oidi dokhil kardani islohho ba Siyosati qarzii JCP «Bonki baynalmilalii Tojikiston” az on jumla oidi natijai barrasii masalahoi aloqamand bo qarzhoi mushkilsiton dar Jalasahoi Kumita va barovardani on baroi barrasi ba Rayosat va SHuroi nozironi bonk.

4. UHDADORIHOI KORII AZOYONI KUMITA

• Ba raisi Kumita vazifahoi idorakunii umumii faoliyati Kumita, hamohangsozii hamkori dar bayni azoyoni Kumita dar marhilai omodasozi va muhokimai masalahoe, ki ba ruznomai Jalasa dokhil karda meshavand, voguzoshta meshavad.
• Ba muovini raisi Kumita vazifaho oidi jambasti kambudiyu norasogihoe, ki dar siyosati qarzii Bonk yo in, ki nishondodhoi dasturi oidi masalahoi qarzguzori, ki dar mavridi barrasii masalaho dar Jalasai Kumita zohir megardand, bo maqsadi omoda namudani peshnihodot baroi vorid namudani islohoti zaruri ba tartibot va hujjathoi meyorii dokhilinizomi, voguzoshta meshavad.
• Uhdadoriho oidi guzaronidani korhoi tashkili dar Kumita, nigohdorii hujjathoe, ki dar natijai kori Kumita tashakkul yoftaand va to ijrokunanda rasonidani qarorhoi az tarafi Kumita qabulgardida ba zimmai Rohbari Kumitai kor bo qarzhoi mushkilsiton, ki az rui vazifa azoi Kumita meboshad, voguzoshta shavad.
• Az rui vazifa, kormandi Kumitai kor bo qarzhoi mushkilsiton, ki kotibi Kumita meboshad hamzamon, azoi Kumita niz meboshad.
• Uhdadoriho oidi ba Kumita peshkash namudani malumotho dar borai qarzhoe, ki dar jarayoni istehsoloti sudi yo in, ki tatbiqi qarorhoi sudi qaror dorand ba zimai Sardori SHubai huquq va kadrhoi Bonk, ki az rui vazifa azoi Kumita meboshad, voguzoshta meshavad.
• Uhdadoriho oidi ba Kumita peshkash namudani malumotho dar borai qarzhoe, ki dar sanduqi qarzii Bonk ba guruhi qarzhoi mushkilsiton, az etibor soqitshuda yo in, ki barqarorshuda shomiland, ba zimmai Mudiriyati ittiolotiyu-omorii Direksiyai moliyavii Saridorai Bonk, voguzoshta meshavad.
• Uhdadoriho oidi ba Kumita peshkash namudani malumotho dar borai meyorhoi qarzguzori va zakhirahoi qarzii jalbkardashuda, ki dar sanduqi qarzii mushkilsiton mavridi amal qaror dorand, ba zimmai Direksiyai idorakunii khavfho, voguzoshta meshavad.
• Hamai azoyoni Kumita baroi dodani peshnihodot va mashvarat oidi masalahoe, ki ba muhokima barovarda meshavand va masalahoi dakhldori jabhahoi gunoguni qarz, sathi taminnokii vay, holati qarzdor va sokhtori Bonk, ki ba mizoj khizmat merasonad, uhdador meboshand.
• Ba uhdai kotibi Kumita tamini sarivaqti va purrai baqaydgirii hujjatguzorihoe, ki ba unvonii Kumita vorid meshavand, sarivaqt bo onho shinos namudani hamai azoyoni Kumita, az vaqt va joyi guzaronidani Jalasaho ogoh namudani onho voguzoshta meshavad. Ba uhdai kotibi Kumita inchunin vazifaho oidi nazorati rioyai muhlati dida baromadani mavodhoi baroi barrasii Kumita voridshuda, tartib dodani paynavishtho oidi qarorhoi az tarafi Kumita qabulgardida, voguzoshta meshavad.

5.    JAVOBGARII AZOYONI KUMITA

• Rais va azoyoni Kumita baroi qarorhoi qabulshavanda oidi natijai muhokimai masalahoe, ki ba ruznomai Jalasahoi korii on dokhil karda meshavand dar nazdi Rayosati Bonk javobgar meboshand.
• Har yak azoi Kumita vazifador ast, ki dar mavridi muhokimai masalahoi barrasishavanda makhsusan manfiathoi bonkro pesh guzoshta, manfiatho va foidai shakhsii khudro ba maddi avval naguzorad. Dar mavridi joy doshtani ikhtilofi manfiatho, ishtirokchii dakhldori Kumita vazifador ast muvofiqi meyorhoi muayyanshudai akhloqie, ki dar Kodeksi akhloqi kormandoni JSP “Bonki baynalmilalii Tojikiston” darj yoftaand, oidi on boyad arz namoyad, ki on dar paynavishti Jalasa darj karda meshavad. Dar in holat raisikunanda ishtirokchii mazkurro az huquqi ovozdihi dar mavridi qabuli qaror oidi masalai dakhldor mahrum menamoyad.
• Rayosati Bonk dar holathoi zerin nisbati azoyoni Kumita doroi huquqi didani chorahoi moddiyu mamuri meboshad.

• az rui natijahoi faoliyati korii gayriqanoatbakhshi Kumita dar majmu;
• muqarrar namudani dalelhoi rasonidani zarar ba Bonk dar natijai amali barqasdona yo in, ki befaoliyatii azoyoni Kumita oidi qarzi mushkilsitoni mushakhkhas;
• ogoh nakardani Kumita az tarafi azoi on oidi joy doshtani ikhtilofi manfiatho dar masalai barrasishavanda;
• muqarrar namudani digar vayronkunihoi tartibi barrasii masalaho va qabuli qarorho az rui onho, muvofiqi nizomnomai mazkur.

6.TARTIBI TAYYORI BA JALASAHOI KUMITA

• Hamai azoyoni Kumita huquq dorand, peshaki bo mavodhoe, ki baroi barrasi banaqsha girifta shudaand, shinos shavand. CHun qoida, malumothoi omori, tahlili va digar malumothoi marbut ba masalahoe, ki baroi barrasi ba Jalasahoi naqshavii Kumita vorid karda shudaand ba har yak azoi Kumita ba vositai pochtai elektronii dokhili na dertar az 24 soat to vaqti tainshudai barrasii masala, peshnihod karda meshavad.
• Hujjatguzori oidi masalahoi vorid namudani tagyirot ba sharthoi qarzguzori (tamdid namudan, tagyir dodani meyori foiz va gayra), inchunin dar masalai dodani qarzi safedkuni ba mizoj dar asl az jonibi kotibi Kumita dar shakli bastai peshnihodoti qarzi (darkhost), ki az jonibi korshinosi qarzi muvofiqi tartibi amalkunandai qarzguzori omoda shudaast ba har yak azoi Kumita rasonida meshavad.
• Muhlati umumi baroi barrasii peshakii peshnihodoti qarzi (darkhost) baroi azoyoni Kumita bo 5 ruz mahdud karda meshavad, bad az on boyad baroi barrasii sarjamona va qabuli qaror dar Jalasai gayrinavbatii Kumita barovarda shavad. Dar barobari in shinos nakardani hamai azoyoni Kumita bo hujjathoe, ki boyad barrasi shavand, nametavonad mone shavad baroi davati Jalasa va qabul namudani qarori muvofiq bo tartibi maslihat.
• Barmahal, na kamtar az du soat to Jalasai naqshavii Kumita, kotib boyad hamai azoyon, inchunin shakhsoni davatshudaro, ki ishtiroki onho dar mavridi barrasii masala zarur ast ogoh namoyad.
• Ba ruznomai Jalasai Kumita boyad tanho hamon masalahoe vorid karda shavand, ki barrasii onho muvofiqi bandi 3 Nizomnomai mazkur ba salohiyati on dokhil karda shudaand.
• Purragi va kifoyagii hujjathoi zaruriro baroi peshnihod ba Jalasai Kumita dar mavridi barrasii masalae, ki ba ruznoma vorid karda shudaast dar asosi dastajamona Kumita dar jarayoni guzaronidani Jalasa, muayyan menamoyad. Baroi hamin, hatman dar Jalasai Kumita boyad hujjathoi zerin, ki az jonibi mutakhassisoni sokhtorhoi muvofiqi Bonk omoda karda shudaand, peshnihod karda shavand:

• Dar mavridi barrasii peshnihodoti qarzi (darkhost) baroi tagyir dodani sharthoi shartnomai qarzii bayni Bonk va Qarzdor:
• murojiati rasmii sokhtori muvofiqi Bonk, ki ba tavri lozima ba rasmiyat darovarda shudaast va baroi barrasi ba Kumita firistoda shudaast;
• varaqai taftishotii jarayoni vusati munosibathoi qarzi bo qarzdor, ki az tarafi kormandi qarzi tartib doda shudaast, ki dar on khulosai vay oidi mohiyati darkhosti qarzdor darj yoftaast;
• peshguii gardishi mablaghoi pulii qarzdor dar muhlati qarzguzori bo nazardoshti sharthoi az nav didashavanda, ki bo khulosai idorakunandai khavf dar masalai haqiqi budani nishondihandahoi peshguishuda bo nazardoshti holati bozor, tahlili faoliyat va nishondihandahoi moliyavii qarzdor;
• jadvali durust namudai pardokhthoi qarzdor (bo vay muvofiqa karda shuda) ba hisobi ijroi uhdadorihoi u dar nazdi Bonk oidi qarz va foizhoi hisobshuda bo darji meyori foizii peshbinishavanda baroi istifodabari oidi qismi tamdidshudai baqiyai qarzdori;
• khulosa oidi natijai barrasii arizai mizoj dar borai vorid namudani tagyirot ba sharthoi qarzguzori dar Jalasai Kumitai Qarzii mintaqavi, bo guzoshtani nishonaho oidi qarori qabulgardida.
• Dar mavridi barrasii arizai mizoji bonk oidi peshnihodi qarzi ehyoi etibor:
• murojiati rasmi az sokhtori muvofiqi Bonk, ki ba tavri lozima ba rasmiyat darovarda shudaast va baroi barrasi ba Kumita firistoda shudaast;
• peshnihodot baroi dodani qarz, ki az tarafi korshinosi qarzi omoda karda shudaast va dar sathi Kumitai Qarzii mintaqavi bo bastai hujjathoi qarzii muvofiq, maqul donista shudaast;
• asosnokkunii iqtisodi, bo khulosai idorakunandai khavfho oidi masalai peshnihod namudani qarzi ehyoi etibor;
• peshguii harakati mablaghoi pulii qarzdor dar davrai to va bad az peshnihodi qarzi ehyoi etibor;
• jadvali pardokhthoi qarzdor (bo vay muvofiqa karda shuda) ba hisobi ijroi uhdadorihoi u dar nazdi Bonk oidi qarz va foizhoi hisobshuda bo nazardoshti qarzhoi qablan joydoshta.
• Dar mavridi barrasi va qabul namudani qaror oidi peshnihodoti sokhtorhoi amaliyotii bonk va maqomoti Sudi dar holati az tarafi mizojon ijro nakardani uhdadorihoi khud dar nazdi Bonk nisbati masalai ba tavozuni bonk qabul namudani amvolhoi bagaravmondashuda:
• arizai shakhsii mizoj dar borai ba tavozun qabul namudani amvoli bagaravmondashuda;
• khulosai korshinosi qarzi;
• qarori Kumitai qarzii filial;
• sanadi narkhguzorii amvol badi murojiati mizoj;
• varaqai sanjishi;
• murojiati rasmi az sokhtori amaliyotii Bonk, ki ba tavri lozima ba rasmiyat darovarda va baroi barrasi ba Kumita firistoda shudaast.
• Dar mavridi qabul namudani qaror oidi masalahoi furushi amvolhoi bar ivazi qarz va foizhoi hisobkardashudayu pardokhtnagardida ba tavozuni Bonk baroi furush giriftashuda;
• darkhosti shahrvand oidi kharidi amvol bo nishondodi narkhi kharid va tarzi voridi mablag;
• murojiati rasmi az sokhtori amaliyotii Bonk, ki ba tavri lozima ba rasmiyat darovarda va baroi barrasi ba Kumita firistoda shudaast;
• Dar mavridi barrasi va qabul namudani qaror dar borai peshnihodoti Direksiyai bonkdorii korporativi va Direksiyai bonkdorii chakana oidi tasdiq namudani ruykhati qarzhoi mushkilsitone, ki baroi pardokhti onho kormandoni bonk havasmand karda meshavand;
• murojiati rasmi az tarafi Direksiyahoi bonkdarii korporativi va chakana, ki ba tavri lozima ba rasmiyat darovarda shudaast va baroi barrasi ba Kumita firistoda shudaast;
• peshnihodi ruykhati qarzhoi mushkilsiton bo tartibi muqararkardashuda bo nishondodi sababhoi ba ruykhat vorid namudan;
• Dar mavridi barrasii peshnihodoti sokhtorhoi amaliyotii bonk oidi masalahoi qat namudani munosibathoi qarzi bo qarzdoron va vorid namudani onho ba ruykhati mizojoni beetimod:
• murojiati rasmi az sokhtori muvofiqi Bonk, ki ba tavri lozima ba rasmiyat darovarda va baroi barrasi ba Kumita firistoda shudaast;
• khulosai Mudiriyati huquq oidi masalai joy nadoshtani asosi huquqi baroi peshnihodi etiroz ba qarzdor yo in, ki khulosai Hadamoti kor bo qarzhoi mushkilsiton oidi qabuli amvol baroi dar oyanda furushi on ba hisobi pardokhti uhdadorihoi qarzdor yo in, ki khulosai digare, ki ba tavri lozima tartib doda shuda, ki metavonad baroi barrasi az rui mohiyati masala qabul karda shavad.
• Dar mavridi shunidani hisobothoi sokhtorho va mutakhassisoni Bonk, ki baroi tashkil, idora kardan, murofiqat va nazorat az rafti vusatyobii munosibathoi qarzi bo mizojone, ki qarzi onho ba qatori qarzhoi mushkilsiton yo in, ki az etibor soqitshuda vorid karda shudaand, javobguy meboshand:
• varaqai akhboroti-omori bo darji nishondihandahoi asosii sanduqi qarzii mushkilsitoni sokhtori muvofiq yo in, ki mutakhassisi Bonk, ki darajai az tarafi qarzdor ijro namudani sharthoero, ki dar shartnomai qarzi peshbini shudaand, inchunin sathi khavfhoe, ki oidi qarz jamshudaro tavsif menamoyand;
• varaqai akhboroti-omori bo darji nishondihandahoi asosie, ki sathi barqaror namudani aktivhoi qablan az etibor soqitshudaro ba daromadi Bonk az rui natijai kor bo qarzhoi az etibor soqitshuda, tavsif menamoyad.
• Dar mavridi davat namudani mizoxoni bonk va kafiloni onho ba Jalasai Kumita baroi muhokimai masalahoi aloqamand ba vayron namudani sharthoi shartnomai qarzii bastashuda, paydo namudani mekhanizmi muvofiqakardashuda va qobili qabuli tarafayni tanzimi uhdadoriho:
• varaqai taftishotii rafti vusatyobii munosibathoi qarzi bo mizojon, ki az tarafi kormandi khizmatrasone, ki ba u vazifai bahisobgirii qarzho voguzor ast, tartib doda shudaast;
• fehristi peshnihodoti korshinosi qarzie, ki ba qarzdor khizmat merasonad, oidi masalai muhokimashavanda va yo in, ki khulosai Hadamoti kor bo qarzhoi mushkilsiton, ki dar on sababhoi baamaloii mushkilot oidi qarz muayyan karda shudaand va rohhoi bartaraf kardani onho, peshnihod karda shudaand;
• nuskhai asli yo in, ki nuskhai purrai malumothoi qarzi bo mizoj bo dar bar giriftani: hujjatho oidi darkhosti qarzie, ki az tarafi mizoj peshnihod karda shuda va az tarafi Bonk tartib dodashuda; mavodhoi hisobotii mizoj, bo malumothoi harmoha baroi taftishi taminnokii qarz; sanadhoi taftishotii kormandoni Bonk, ki dar rafti burdani munosibathoi qarzi bo mizoj ba amal barovarda shudaand; mukotibai Bonk bo qarzdor va shakhsoni seyum oidi masalai ijroishi shartnomai qarzi yo in, ki digar shartnomahoi hamradifi on.
  • Dar mavridi barrasii masalahoi dar bolo ovardashuda va boqimonda, ki ba salohiyati Kumita dokhil meshavand, az tarafi on metavonad az shakhsoni muvofiqe, ki dar tashkil va khizmatrasonii shartnomai qarzi, ishtirok menamoyad, peshnihodi shaklhoi digari akhborotie, ki baroi ba purragi va hamatarafa omukhtani mushkiloti vobasta ba qarz imkoniyat medihand, talab karda shavad.
  • SHaklhoi namunavii varaqahoi akhboroti-omori, shaklhoi hisoboti, darkhostho, bo nishondodi malumothoi asosi dar zamimaho ba Nizomnomai mazkur, ovarda shudaand.

7.    TARTIBI BA RASMIYAT DAROVARDANI QARORI KUMITA

• Kumita bo peshnihodi Rohbari Hadamoti kor bo qarzhoi mushkilsiton, Kotibi Kumitaro intikhob mekunad.
• Az rui natijai guzaronidani Jalasa, kotibi Kumita boyad paynavishtro tartib dihad, ki vay az jonibi raisikunanda dar Jalasa ham ba imzo rasonida meshavad.
• Raqamguzori ba paynavishti Kumita har sol az nav ogoz meyobad. Dar paynavisht raqam va tarikhi guzaronidan, ruykhati ishtirokchiyon va raisikunanda, inchunin mohiyati masalai muhokimashavanda va qarori qabulshuda, nishon doda meshavand.
• Ba gayr az paynavishti qarori Kumita, kotibi on khulosai Kumitaro bo shaklhoi muqarrarshuda oidi natijai barrasii peshnihodoti qarzi doir ba tagyir dodani sharthoi qarzguzori ba qarzdor yo in, ki ba u dodani qarzi ehyoi etibor ba rasmiyat medarorad. Dar barobari in, har yak azoi Kumita, ki dar Jalasa ishtirok kardaast dar sutuni muvofiqi khulosa imzoi khudro, ki fikri uro oidi masalai muhokimashavanda ifoda menamoyad, meguzorad.
• Paynavishthoi Jalasahoi Kumita dar yak nuskha tartib doda meshavand, hamai ishtirokchiyoni on, azoyoni Kumita dar on soyadast meguzorand, inchunin raisikunanda va kotib onhoro ba imzo merasonand.
• Nigohdorii paynavishtho, khulosahoi Kumita va digar hujjathoi zarurie, ki ba onho hamroh karda shudaand ba zimmai mutakhssisi darajai olii Hadamoti kor bo qarzhoi mushkilsiton – azoi Kumita, voguzoshta meshavad.

8.    TARTIBI TATBIQI QARORI KUMITA

• Qarori Kumita baroi ijroish khususiyati hatmiro doro buda, boyad az tarafi sokhtori amaliyotii muvofiqi Bonk, ki khizmatrasoni mizoj meboshad ba amal barovarda shavad bo nazardosht va dar doirai tartiboti dar JSP «Bonki Alif» muqarrargardida, meyorho va digar mahdudiyatho.
• Paynavishthoi Kumita, ki bo tartibi muqarrarshuda ba rasmiyat darovarda shudaand dar ruzi ba imzo rasidanashon baroi shinosi ba Raisi Rayosati JSP «Bonki Alif» peshnihod karda meshavand. Na dertar az ruzi oyanda, bo darnazardoshti erod va peshnihodot az jonibi Raisi Rayosati Bonk az tarafi Mudiriyati khavfi qarzii Direksiyai idorakunii khavfho ba unvonii sokhtorhoi muvofiqi bonk baroi tatbiqi qarorhoi qabulkardai Kumita farmoishhoi khizmati omoda karda meshavand. Dar holate, ki agar aqidai Raisi Rayosati Bonk bo aqidai Kumita rost naoyad, dar in holat barrasii masalai bahsnok baroi dida baromadan ba Rayosati bonk peshnihod karda meshavad.

9.    NAZORATI FAOLIYATI KUMITA

• Nazorati faoliyati Kumita az rui malumothoi bahisobgirii idoravi dar asosi harmoha, ki az tarafi Raisi Kumita ba unvonii Mudiriyati jambasti-tahlilii Direksiyai mamuri peshkash megardad, inchunin bo rohi guzaronidani taftishi majmui yo in, ki mavzei az tarafi Hadamoti auditi dokhilii Bonk yo in, ki mutakhassisone, ki Rayosati Bonk tain menamoyad tashkil karda meshavad.
• Az rui natijai nazorati faoliyati Kumita bo nazardoshti natijagiri va faolnokii mehnatii har yak ishtirokchii on, Raisi Rayosati Bonk vakolatdor ast, ki bo peshnihodot ba Maqomothoi idorakunii muvofiqi Bonk baroyad oidi masalai aloqamand bo pardokhti mukofotpulii ilovagi muvofiqi tartibe, ki dar Nizomnomai «Oidi tartibi havasmandkunii kormandoni JSP «Bonki Alif» muqarrar shudaast.
• Dar holati az rui natijai tahlili malumothoi bahisobgirii idoravi yo taftishi majmui yo in, ki mavzei muqarrar namudani kambudiho dar kori Kumita, Raisi Rayosati Bonk vakolatdor ast, ki bo peshnihodot oidi ba javobgari kashidani azoyoni muvofiqi Kumita bo tartibe, ki dar qismi 5 Nizomnomai mazkur muqarrar karda shudaast, baromad namoyad. Darajai javobgarii kormandi muvofiq boyad barobari kirdori vay buda va naboyad az andozai zarari ba Bonk dar natijai amal namudan yo in, ki amali khunuknazaronai chunin kormand rasonidashuda, ziyod boshad.

10.    VAZHOI HOTIMAVI

• Masalahoi faoliyati Kumita, ki dar Nizomnomai mazkur tanzimi khudro nayoftaand, dar asosi Oinnomai Bonk, digar sanadhoi meyorii korporativii JSP «Bonki Alif» va qonunhoi amalkunandai Jumhurii Tojikiston hal karda meshavand.
• Qaror oidi tasdiqi Nizomnomai mazkur az tarafi Rayosati Bonk qabul karda meshavad.
• Huquqi peshnihodoti darovardani tagyirot va ilovahoro ba Nizomnomai mazkur Kumita dorad. Tagyirot va ilovaho mavridi amal qaror megirand az vaqte, ki Rayosati Bonk qarorro oidi darovardani tagyirot va ilovaho ba Nizomnomai mazkur, qabul menamoyad. Bo nazardoshti tagyiroti shumoravi yo in, ki hayati shakhsii Kumita, tagyiryobii nomgui sokhtorhoi Bonk, ki munosibathoro bo Kumita muvofiqi talaboti Nizomnomai mazkur tashkil menamoyand, ba on metavonand dar asosi farmoni muvofiqi Raisi Rayosati Bonk islohoti tahriri vorid karda shavad.