Umthetho "Kwi Credit Iimbali" N 218-FZ njengoko ulungisiwe

UMthetho kwi Credit Iimbali iqulethe zonke izibonelelo ezisisiseko onxulumene nokusebenza kwe-Bureau, specialising in liboleke abanye; kubalawuli zemali,-arhente ezikhethekileyo zikarhulumente, kunye nezinye izinto ezininzi ezakha inkqubo ngetyala. Iziqulatho zoMthetho Federal "Kwi Credit Iimbali" iya kuya kuxoxwa ngayo kweli nqaku.

Iinjongo zoMthetho Federal

218-FZ "Kwi Credit Iimbali" kwaye igxininisa ingqikelelo imbali yekhredithi, inkqubo nokubunjwa kwayo, ukusetyenziswa kunye nokugcinwa. Eyona njongo iphambili yalo Mthetho kukugcina ukusebenza kakuhle kwemibutho credit-hlobo, kwakunye zokhuseleko of kubaboleki kunye ababolekisi ngokunciphisa iingozi ngetyala. Ukongeza, uMthetho Federal № 218-FZ "Kwi Credit Iimbali" libhekisela kwiinjongo indalo kunye nophuhliso iimeko uhlalutyo kunye nokugcinwa oyinikiweyo kwi-arhente ezikhethekileyo.

Luhlobo olunjani budlelwane ilawulwa ngumthetho federal "Kwi Credit Iimbali"? Iyafuna ukuqaqambisa:

• ubudlelwane phakathi kubaboleki kunye ngemali;
• ubudlelwane phakathi kwamagunya olawulo kunye credit bureau zoluntu;
• ubudlelwane phakathi kwabantu kunye Credit kwikhathalogu Central.

Kwakhona sifanele sithethe la magama asetyenziswe kwesi senzo emisiweyo.

imiqondo

Eyokuqala mhlawumbi ingqiqo ebaluleke kakhulu - ukuba imbali yekhredithi. umthetho Federal ichaza njengento zolwazi, umxholo yayo emiselwe yimithetho ezizodwa kwaye zigcinwe ofisi ekhethekileyo.

into elandelayo - oko isivumelwano semali-mboleko a. kulo mzekelo, umthetho uthi malunga uxwebhu equlathe ngokwemiqathango ye-mboleko. Apha kufuneka ukhankanye ingqikelelo ingxelo wekhredithi - uxwebhu equlethe ulwazi kwimbali ngetyala lugcinwe ofisi.

Imithombo amabali-mboleko ukuba ababolekisi imibutho ukuba isivumelwano semali-mboleko banelungelo ukuba sitsale imali unetyala ngenxa yokusebenza engafanelekanga imisebenzi yabo. Isifundo kwimbali yekhredithi kusoloko kukho umntu ngokwendalo okanye ngokomthetho, ababekhonza umboleki, waba ngummeli wowona ulungileyo okanye yinqununu.

I-credit bureau uhlobo entity yorhwebo. Oku uyakwazi ukubonelela ngeenkonzo lokusungula nokuhoywa imbali iimali-mboleko kunye, phakathi kwezinye izinto, ukubonelela iingxelo ngetyala. Credit efanayo directory ekuthiwa candelo, uvimba ekhokelela kumfuna agcina inkcazelo ngeentengo zemboleko.

Sisiphi isigqibo enokwenziwa apha? Onke amagama thaca sithetha enye into: ngokwenkqubo yesikweliti i umda emangalisayo ebanzi kunye nomthamo, equlethe inani elikhulu amasebe ezahlukeneyo kunye neendawo.

Imbali Personal credit

Eyona nto ibalulekileyo kule nkqubo ngetyala imbali yekhredithi. Ngokutsho FZ № 218, uxwebhu equka weqweqwe inxalenye block ulwazi kunye nezigqibo. imbali Credit iqulethe yonke inkcazelo esisiseko malunga umxholo webali. Lixesha igama ezokuqala nezokugqibela, inombolo yokundwendwela, inombolo VAT, iinkcukacha kwi-inshorensi njalo njalo.

UMthetho kwi Credit Iimbali ufumana yonke inkqubo yokubonelela ngolwazi kwi-arhente ezifanelekileyo. Sisithi thaca umba ikhowudi yesifundo. Umyalelo ukhutshelo nokuchongwa le khowudi ngokungqongqo lukhuthaziwe Inqaku lesi-5 le-Federal uMthetho "Kwi Credit Iimbali". Imisebenzi ye kwiziko lamatyala ziquka ukugcina zonke iinkcukacha eziyimfuneko kangangeminyaka eli-10.

Imbali izifundo komthetho

Umthetho uthi thaca amalungelo asisiseko ngabalawulwa iimbali ngetyala. Isifundo, umzekelo, unelungelo lokufumana ulwazi Catalogue Central phezu kanti ibali lakhe kwi-mboleko. Kuyo nayiphi na idesika apho kukho ibali, lo mba nako ukufumana iingxelo ngetyala. Yonke okanye inxalenye yayo kwisifundo akwazi ucelomngeni nokwaziswa kwimbali imali-mboleko. Ukuze wenze oku, kufuneka angenise isicelo Oogunyaziwe bekhredithi. I-ofisi efanayo kakhulu kufuneka unikele impendulo ekupheleni kwitshekhi yenyanga. Ezinokuba impendulo? Apha kukho iindlela ezimbini: nokuba imbali yohlaziyo, okanye ukurhoxiswa kwayo. Lenza Bureau akanyanzelekanga ukuphumeza iitshekhi olunye ulwazi esibangwayo. Isifundo uyakwazi isibheno esichasa nezenzo Bureau enkundleni.

amalungelo Bureau

Ngawaphi amathuba esemthethweni yokuba credit bureau? UMthetho kwi Credit Iimbali elibeka la malungiselelo alandelayo Article 9:

• Ilungelo lokunikezela ngeenkonzo ukuze ubonelelo kweengxelo ngokungqinelana nomthetho.
• Ithuba lokuba nenxaxheba kubonelelo lweenkonzo ezinxulumene kuphuhliso iindlela zovavanyo yokubala iinqununu ratings kunye nokusetyenziswa kwazo. Uphuhliso kufuneka lusekelwe kulwazi ukuba sibhalwe kwimbali ngetyala.
• Unelungelo lokubumba imibutho kunye nemibutho ukukhusela amalungelo kunye neemfuno zamalungu ayo. UnxibelelanisoCoordination lwemisebenzi ngemisebenzi, uphando saneliseke, ulwazi, kunye nazo naziphi na ezinye izinto zobungcali - konke oku kwenziwa kakuhle ekwakhiweni bombutho.
• Unelungelo lokucela inkcazelo ethile abasemagunyeni, abasemagunyeni urhulumente wengingqi, iibhanki Russian, iintlobo ezahlukeneyo mali non-mali, njalo njalo

Yaye yintoni na uxanduva Office? Oku kuza kucaciswa kamva.

Imisebenzi ye credit bureau

Ngokutsho komthetho Federal "Kwi Credit Iimbali", iziko likarhulumente linyanzelekile ukuba ngokomgangatho ukwenza le misebenzi ilandelayo:

• Ukubonelelwa kwiinkcukacha zinembali isihloko iphepha ngetyala kwi central weefayili.
• Isigidimi ephakathi weefayili ulwazi malunga kurhoxiswe imbali ethile yekhredithi - ngokungqinelana nendlela kunye nefomu emiselwe yi-Bank of Russia.
• Umnikelo yomthombo amabali amathuba izilungiso ingcaciso kwimbali ngetyala.
• Isinyanzelo ukusebenzisa njalo-mvume zokuyenza loo yokhuseleko zobugcisa kwiinkcukacha uhlobo eyimfihlo.
• Nokukhutshwa ingxelo wekhredithi asithumele kumntu ngamnye imbali yekhredithi.
• Ukubandakanywa utshintsho ulwazi kwimbali yamatyala zesifundo ahambelanayo.

Ngenxa yoko, nayiphi eligcina inkcazelo ngeentengo zemboleko uluhlu olubanzi ngokufanelekileyo amagunya kunye noxanduva.

Iinkqubo ze litsha kunye ukumiswa bureau

Inkqubo yokususa ngalinye ngetyala umisela Federal uMthetho Inqaku le-11 "Kwi Credit Iimbali". Bureau, ngokungqinelana kweli nqaku, lupheliswe kuphela ngendlela emiselweyo ngumthetho. Kuba ixesha lonke mbutho yomsebenzi impahla uyayeka ukusebenza ulwamkelo kunye processing of ulwazi kwimithombo efanelekileyo kunye nezifundo. Kwiintsuku ezintathu emva kokufumana isaziso imfuneko ukuphelisa i-Ofisi iya kwazisa yonke imithombo imbali yekhredithi, ibeka ulwazi olufanelekileyo kwi ncoko eendaba - lonke kunye basekuhlaleni (kwi indawo lomqhubi).

Kwimeko kunye ngokuhlanganisa zonke kwemisebenzi eziyimfuneko ukuze lifane ngokupheleleyo. Umahluko kuphela - xa ukutshona Bureau unelungelo ukuqhuba ebanzi imisebenzi-enxulumene wokuthengisa iprophathi ekhoyo.

On the central ulawulo

Oko kukuthi, ekugqibeleni, ubuze, bakuxelele malunga nokusebenza Central Credit ikhathalogu yeencwadi Russia. Zadalwa enje ngale umgadi-Bank of Russia. Injongo yale directory kukuba ukuqokelela, ukugcina yenze kufumaneke izifundo kunye umsebenzisi kolwazi imbali yekhredithi kwi-credit bureau efanelekileyo lamatyala.

Directory libandakanywe yokugcina ulwazi okumisele isihloko yembali ngamnye yeentengo zemboleko agcina inkcazelo ngeentengo zemboleko. Umsebenzi ibalulekileyo central directory kukunika ingcaciso kwi-credit bureau. ulwazi isicelo kuba amaxwebhu, abasebenzisi kunye nezifundo zembali yekhredithi, amagqwetha, abaphicothi kunye namanye amaqela athile abantu.

On the State Supervision

23.07.2013 kwenziwe izilungiso umthetho phezu iimbali ngetyala. Ngenxa yoko, Inqaku 14 mthetho uqulunqwayo ngoku phantsi kovavanyo, ithi kweliso karhulumente kunye nolawulo eligcina inkcazelo ngeentengo zemboleko olwenziwe yi-Bank of Russia ngokuhambelana ngokungqongqo kunye nemithetho.

Yiyiphi imisebenzi lwenziwa yi-Bank of Russia? Nantso into eqinisekisa umthetho:

• ukusebenza kunye irejista imo agcina inkcazelo ngeentengo zemboleko ngendlela emiselwe yi-Bank of Russia;
• ukuseka iimfuno ubume bezimali kunye negama nobungcali zonke nxaxheba bureaux;
• ekuqhubeni kuhlolwe ngokuhambelana neemfuno ezifanelekileyo i-Federal Law Office;
• kwendlela nemiqathango bureau ukuphelisa ukuhlukunyezwa kwindawo ethile;
• enze eminye imisebenzi kunye nemisebenzi olubonelelwa ngumthetho we-Russian Federation.

Umthetho ubeka ulawulo njengako apho iBhanki ngesigqibo eRashiya ezinokuchaswa ngesibheno enkundleni.