Комрон.инфо
Har yak kormandi navi ba kor ba bakhshi bonkdorii korporativii vohidi amaliyotii Tashkilot qabul shudaast (bo darnazardoshti guzaronidani kormandi bakhshi digari Tashkilot, baroi kori minbada ba bakhshi qarzi), boyad az omuzishi nazariyavi – tajribavii qarzdihi ba tijorati khurdtarin va khurd guzarad, ki az rui natijahoi on, hujjati dakhldor barasmiyat darovarda meshavad, ki az koromuzi guzashtan, natijahoi on va khulosaho oidi ba koromuz ijozat dodan yo ijozat nadodani baroi tashakkul dodani sanduqi qarzii shakhsi va khizmatrasoni namudan ba qarzgirandagoni korporativii Tashkilot, shahodat medihad.
Davrai omuzonidan
Har yak koromuz, haddi aqal davrai omuzishii (trening) semoharo boyad guzarad. Davrai trening, bo qarori mushtaraki Mudiriyati qarzi va rushdi mahsulothoi bonki va rohbariyati vohidi amaliyotii Tashkilot, metavonad to shash moh daroz karda shavad.
Dar tuli in davra, koromuz dar yakjoyagi bo eksperti qarzii botajriba kor mekunad. Dar jarayoni kori hamaruzaashon, koromuzon az jonibi ekspertoni qarzii botajriba rohbaladi karda meshavand.
Dar davrai trening, koromuz sanduqi qarzii khudro doshta nametavonad. Koromuz, tahlil va himoyai loihahoro dar Kumitai qarzi, dar doirai vakolathoi noziri khud – eksperti qarzii botajriba, ki uro rohbaladi mekunad, meguzaronad. In qarzho ba sanduqi qarzii in eksperti qarzi vorid meshavand.
Dar jarayoni tamomi davrai trening, nozir – kormandi Mudiriyati qarzi va rushdi mahsulothoi bonki dar yakjoyagi bo Rohbariyati vohidi amaliyotii Tashkilot, ba kori koromuz baho meguzorand, ki az rui natijahoi on doir ba minbad idoma yoftani kori koromuz yo khud barkanor kardan / az kor sabukdush namudani u, qaror qabul karda meshavad. Inchunin ba kori eksperti qarzi (ki ba u koromuz vobasta karda shudaast), dar samti omuzonidani koromuz, baho doda meshavad. Bahoguzorii mazkur, hangomi qabul namudani qaror oidi ba vazifai balandtar peshbari namudani eksperti qarzi, ba inobat girifta meshavad.
Pas az khotima yoftani davrai omuzonidani koromuz, dar holati musbi bahoguzori shudan va qabul gardidani qarori musbi, allakay eksperti qarzii nav (koromuzi sobiq), metavonad ba tartib dodani sanduqi qarzii khesh shuru namoyad.
Omuzishi koromuzon, oidi tartibi tahlili moliyavi va khojagidorii qarzgirandagon az rui kitobi omuzishii makhsus, ki baroi ekspertoni qarzi peshnihod shudaast, ba roh monda meshavad.
NIZOMI DARAJABANDI HANGOMI JUDO NAMUDANI QARZ BAROI FAOLIYATI TIJORATI
Bo maqsadi havasmandgardoni va dastgirii qarzgirandagon – mizojone, ki vaqti tuloni bo bonk hamkori dorand va az nizomi bonk yakchand marotiba qarz girifta, sari vaqt be mushkilot in qarzho va foizhoi onhoro bargardonidaand, inchunin niyat dorand hamkoriashonro ba muddati tuloni idoma dihand, JDMM «Standart robita» baroi onho nizomi darajabandiro peshbini menamoyad. Meyori darajabandi baroi chunin qarzgirandagon, hangomi giriftani qarz, sabukiro dar sharthoi on va imkoniyati ba muhlati nisbatan daroztar, bo meyori pasttari foizi va bo digar sharthoi imtiyoznok giriftani qarzro, peshbini menamoyad.
Qarzgirandagone, ki ba talabothoi zerin javobgu meboshand, ba nizomi darajabandi dokhil karda meshavand:
| SHumorai qarzhoi giriftashuda va pardokhtgardida | Na kamtar az 3 qarz |
| Muhlati majmuii qarzho | Na kamtar az 24 moh |
| Adadi ruzhoi ijozatdodashuda baroi takhir az rui har yak qarz | Na beshtar az 15 ruz |
| Tanafusi ijozatdodashuda dar bayni qarzho | Na beshtar az 6 moh |
Qarzgirandagone, ki ba talabothoi dar bolo qaydgardida javobgu nestand, hamchun mizoji qatori (muqarrari) shinokhta shuda, meyori foizi va digar sharthoi qarzdihi tibqi tartiboti amalkunanda peshnihod karda meshavad.
Baroi qarzgirandagon, ki ba onho dar doirai nizomi darajabandi giriftani qarz ijozat doda shudaast, hangomi giriftani qarz bartarihoi zerin doda meshavad:
| Guruhbandii mizojon az rui darajabandi
|
SHarti guruhbandii mizojon
(shumorai qarzhoi giriftashuda va pardokhtgardida) |
Kohish dodani meyorhoi foizii amalkunanda az rui qarz | Taminoti garavi
(imtiyoz baroi taminnokii amvoli gayrimanqul – dar sokhtori umumii garav) |
Muhlati bastani SHartnomai generalii qarzi |
| Darajai duyum | az 3 to 4 qarz | 1 bandi foizi | Tibqi
Siyosati garavii JDMM «Standart robita» |
≤ 36 moh |
| Darajai yakum | az 5 to 6 qarz | 2 bandi foizi | ≤ 36 moh | |
| Darajai oli | ziyoda az 7 qarz | 3 bandi foizi | ≤ 60 moh |
Hamzamon ba mizojone, ki dar nizomi darajabandi shomil hastand imtiyozhoi zerin doda meshavad:
- Muhlati barrasii darkhosthoi qarzi: Zud va kamtar az meyori muqarrargardida vobasta az mablagi qarz:
- Davrai imtiyozi baroi pardokhti qarzi asosi: To shash moh, vobasta az namudi faoliyat va tibqi qarori Kumitai qarzi;
- Muhlati peshnihodi qarz:
to 24 moh – baroi mizojone, ki hamchun mizoji qatori (muqarrari) meboshand.
to 36 moh – baroi mizojone, ki dar nizomi darajabandi shomil hastand, vobasta az maqsad va sarchashmai mablagguzori.
Bo maqsadi tamin namudani shaffofii nizomi darajabandi, yak marotiba dar nimsola, az jonibi Kumitahoi qarzii vohidhoi amaliyotii Tashkilot, ruykhati qarzgirandagon – qarzgirone tartib doda meshavad, ki imkon dorand ba nizomi darajabandi roh doda shavand. Ruykhati mazkur, baroi barrasi va tasdiqkunii minbada, ba Kumitai qarzii JDMM «Standart robita» peshnihod megardad. Pas az jonibi Kumitai qarzii sathi oli tasdiq shudani ruykhati qarzgirandagone, ki ba nizomi darajabandi roh doda shudaand, Mudiriyati qarzi va rushdi mahsulothoi bonki in ruykhatro ba hamai vohidhoi amaliyotii Tashkilot, baroi istifoda burdan dar jarayoni judo namudani qarz ba qarzgirandagoni mazkur, mefiristad.
Dar holate, ki agar qarzgiranda – qarzgiri ba nizomi darajabandi roh doda shuda, uhdadorihoi az rui SHartnomai qarzi ba zimma giriftaashro rioya namekunad (ba takhir aftidani voridkuni az rui qarz va / yo foizhoi on, az 10 ruz meguzarad, muayyan meshavad, ki vositahoi qarzi gayri maqsadnok istifoda meshavand) yo khud hangomi guzaronida shudani monitoring malum meshavad, ki holati moliyavi – iqtisodii tijorati u bad shudaast, qarzgirandai mazkur az ruykhati qarzgirandagoni – qarzgirandagoni ba nizomi darajabandi rohdodashuda, khorij karda meshavad.
Vakolati az ruykhati dar bolo zikrshuda, bo sababhoi bayongashta khorij namudani qarzgirandagon – qarzgiron, ba zimmai Mudiriyati bonkdorii korporativi guzoshta meshavad. Hangomi az ruykhat khorij namudani qarzgiranda / on – qarzgirone, ki ba nizomi darajabandi roh doda shudaast/and, Mudiriyati bonkdorii korporativi ba tavri khatti ba qarzgiranda – qarzgir, ba vohidi amaliyotie, ki u az on jo qarz giriftaast va ba Kumitai qarzii bonk, doir ba daleli mazkur va sababhoi qabul shudani chunin qaror, khabar medihad.
