Xa oosomashishini baseRussia bethabatha imboleko-mboleko ekhethiweyo ehlotyeni elingaphantsi kwe-2%, kwakunzima ukuba bacinge, kuya kufuneka bajongane nazo unyaka omtsha. "Ukuba besisazi ukuba ekugqibeleni kuya kufuneka sihlawule i-15%, ngewayengazange sithathe imali mboleko," utshilo uMaxim Fedorov, uMlawuli we-Arhente Jehensi yeHmema Maxin Dedorov.
Akasodwa. Ijelo elizimeleyo leKrasnoyarsk Tve kunye neNdawo eQhelekileyo yeNdawo eBanzi yeVadim yayingamava okuqala-kwaye ukuza kuthi ga ngoku, kungusizi. "Asikaze sithathe iimali mboleko nakweyiphi na enye into enomdla, nditsho kwimboleko-mboleko yomntu ongazange ndiyithathele ingqalelo." Zininzi ngakumbi kwaye zikho izibheno ezinjalo ezivela kwoshi, igunya eligunyazisiweyo ukukhusela amalungelo oosomashishini kwingingqi ye-nizhny novgorod pavel i-pavel vallodka.
Besifuna ngcono ...Imali-mboleko ekhethekileyo yemivuzo yaba lelinye lamanqaku aphambili kwinkqubo yenkxwaleko kaRhulumente. Babejolise ekuxhaseni eyona ndawo ichaphazelekayo yoqoqosho-ishishini elincinci, kubandakanya iinkonzo zeenkonzo. Inkqubo isombulule imisebenzi emibini-nceda ishishini kunye nokuthintela ukugxothwa. Ukuba inkampani iyolisa ngaphezulu kwe-10% yabasebenzi, urhulumente uya kuyihlawula.
Kwabonakala ngathi le nkqubo isebenza: Ngokwe-Interbu iSebe loPhuhliso lwezoQoqoqosho, elivunyelwe ukuba ligcine imisebenzi engaphezu kwezigidi ezi-5, iibhanki zikhuphe ngaphezulu kwe-ruble iruble. Imali mboleko engaphezulu kwe-200,000 yeenkampani.
INKQUBO YENKQUBO
Imali mboleko ye-anti-crisis phantsi kwe-2% ijolise ekuxhaseni amashishini amancinci naphakathi (ii-SME) kwimizi-mveliso echaphazelekayo, kunye nemibutho yezoluntu (iiNPO) ezingezizo ezentlalo (iiNPO). Ikhredithi inokufumaneka ukusuka nge-1 kaJuni ukuya ku-NOVEMBA 1, 2020, ibuyise-ngo-Epreli 1, 2021
Isixa semali mboleko sibalwa yiFomula: Inani labasebenzi nge-1 kaJuni, liphindwe yi-MROTH (i-12,130. Ukuthatha i-rureds (i-ruble ye-akhawunti), kunye neepesenti ezingama-30 ze-inshurensi kwaye ziphindwe ngenani le iinyanga ukusuka kumhla wesivumelwano ngaphambi kwe-1 kaDisemba.
Kumashishini lonke lonke ixesha lokujonga liya kugcina ubuncinci i-90% yabasebenzi xa kuthelekiswa nenombolo ngoJuni 1, imali mboleko iya kubhala phantsi ngenzala - urhulumente uya kuhlawula yonke imali. Ukuba urhulumente uhlala ene-80%, kuya kuba yimfuneko ukubuyela kwisiqingatha semali mboleko kunye nenzala. Ukuba abasebenzi basilele ukugcina, inkampani kuya kufuneka ibuyele ngokupheleleyo imali ngeentlawulo ezintathu-ngoDisemba, ngoJanuwari nange-15%), kwaye ingakhethi.
Ekuqaleni, yonke into ihamba. Kodwa nge-1 kaDisemba, indibano yesibini yenkqubo yaqala: ukubonwa. Abasemagunyeni baqalisa ukuthelekisa inani labasebenzi kunye nowokuqala. Yonke iqalile apha.
... kwaye yajikaNgoDisemba, oosomashishini bajamelana nesibakala sokuba bangenzi meko bengayiphumezanga imeko ukuze bagcine abasebenzi, kwaye iibhanki zaqala ukuzibandakanya kwimali mboleko ye-15%.
Inani labasebenzi abaphantsi kwesivumelwano ne-Bhanki lithathelwe ingqalelo nge-1 kaJuni, kwaye inkampani igcine le nkampani, utshilo uFedorov, i-Dese, i-UNIDE, "nini , Iyaqondakala, abantu babengakumbi. " "Emva koko, ngokwemvelo, iBhanki yathi yaphazamiseka, kwaye ngoDisemba, ireyithi yemali mboleko yayiyi-15%. Yonke into eza kwi-akhawunti icinyiwe, izohlwayo ziyaqokelelwa, kuba inkampani ayinamali yokuhlawula imali mboleko, "utshilo uFedorov. Ulungiselela inkundla.
Imeko efanayo ichaza ixesha le-TDC: i-sberbank yamnika imali mboleko ye-3 yezigidi. Kwiimeko ezifanayo, kwaye ngoDisemba waqala ukuqaphela inani labantu abasusela ngoJuni ngo-Epreli. Iphelile ukuba ngokwemiyalelo yeBhanki, inkampani yatyholwa ngemeko yokujonga, kwaye phantsi kwesivumelwano esasisayinwe, yazaliseka. Ireyithi ithathe ukuya kwi-15%.
Ifenitshala yefanitshala "I-Utah" kwiSixeko saseZavsolzhier phantsi kwale nkqubo ithathe imboleko ye-15,5 yezigidi kwi-sberbank., Enye yemizekelo yePavelLodky ikhokelela. Kwakhutshwa imali mboleko ngoJuni, ngelo xesha abantu abayi-164 basebenza kwinkampani, eyayiqinisekisiwe yiNgxowa-mali yePenshini. I-Bhanki, ngaphandle kwezimvo kunye nokongezwa, yamkele iphakheji yamaxwebhu avela kusomashishini, kwaye isixa semali mboleko yenziwe kuphela kwinani labasebenzi abayi-164. Kodwa ngoDisemba, inkampani yafumana ileta yokuba inani labasebenzi elibhengezwe ngoJuni ngoJuni (nangona inani likaJuni lacelwa ngexesha lemali mboleko) kwaye ngenxa yesi sizathu i-bhanki iphinde iphinde ihlawulwe nge-15%. Ngoku nayiphi na imali engenileyo kwi-akhawunti yangoku yombutho isuswe ngokukhawuleza yibhanki yokuhlawula imali mboleko, ithi i-itatorice, akunakwenzeka ukuba isebenze kwiimeko ezinjalo.
"Kuyavela ukuba isangqa sokuhlangula esivela kurhulumente kwimboleko mali yokhetho inokujika ibe yindawo ekhokelayo kwishishini: Ewe, wavumela ukuba aqhubeke entwasahlobo - ngehlobo, kodwa ekupheleni oosomashishini kwiinyanga ezintandathu kamva. »Kutheni kwenzekeAmaxhoba e-SBERbankbank yamabango enkxaso karhulumente abanayo. I-sberbank ayizukubekwa tyala apha, ungumlinganiso kuphela kolu khonkco, utsho empuma. Izenzo ze-sberbank zisebenza ngokungqinelana nommiselo karhulumente, amanqaku abameli. Ngokufanayo njengommeli we-VTB.
Isizathu sokungahambelani kwezakhiwo zikarhulumente. Idatha yenani labasebenzi ibonelela nge-FIU-waqinisekisa, umzekelo, abantu abayi-164 basebenza kwi-yute. Kodwa iibhanki xa kubalwa isixa semali mboleko kufuneka sisebenzise idatha yenani labasebenzi ngomhla wokubhena kwishishini. Ilawula ukuzalisekiswa kweemeko zenkqubo ye-FTS ye-FTS. Uthatha idatha kwinani labaqeshwa kwingxelo kwiipremiyamu zeinshurensi, apho amashishini adlulayo ukuya kwi-FIU hayi emva kosuku lwe-15 lenyanga emva kokunika ingxelo. Ke kuyavela ukuba idatha ye-FTS ngoJuni 1 (Isiqalo senkqubo) sathatyathwa kwingxelo, esinikezelwe de kwangoMeyi 15, kwaye ngenene wabonakalisa inani labasebenzi ngo-Epreli.
Batsho ukuba iyakusebenzaMalunga nengxaki enjalo yayilumkiswa ixesha elide. I-Boris Titosman yeShishini ye-Bitov yabhala malunga nayo ngoSeptemba, i-RBC yanikela ingxelo. Oosomashishini abaninzi abacele imali mboleko ekuqaleni babenentembelo yokuba inani labasebenzi babo liya kubalwa nge-1 kaJuni, kwaye banciphise abasebenzi abangaphezulu kwe-20% ngo-Epreli, kodwa ngoko bacacisela iTiov .
Isiphumo yayingurhulumente wemigaqo esayinwe ngo-Eva woqwalaselo ngoNovemba 30. Ivumele iOsore yoosomashishini ukuba bacacisa abasebenzi bakaRhulumente ngenxa yeziphumo zikaMeyi, kwaye hayi ngo-Epreli ukuze kulungele ukubhala iimali mboleko. Ababolekisi, ukubeka iliso kwinani kude kube kuDisemba 1 kufuneka kwenziwe xa kuthelekiswa nango-Epreli, kodwa ngenombolo kaMeyi.
Nokuba uza kuncedaOku kusonjululwe ingxaki ngedatha kwidatha evela kwabo bathatha imali mboleko ngoJuni 1-25, kuxelwe ngoDisemba, uMphathiswa woPhuculo lwezoQoqololo Mashetsov. "Oku kuyakuvumela nemibuzo eyaneleyo yokususa kunye noosomashishini abaninzi bathi babhale imali mboleko, nokuba amanye amanqanaba anengcaciso engachanekanga," utshilo umphathiswa.
Ukusukela ngoDisemba, iibhanki ezininzi zaqalisa ukuguqulela ababolekisi sexesha lokuhlawula ngereferensi, igunyazisiwe ukukhusela amalungelo oosomashishini eKarelia Eletov. Kodwa emva kommiselo omtsha, ocacisa ukuba inani labasebenzi nge-1 kaJuni lithathelwa ingqalelo ngolwazi olunikezwe kwi-FIU, kwaye oosomashishini bakwazi ukucacisa abasebenzi kude kube phakathi kwe-DEDIS, abaninzi bakwazi ukunceda.
Ezininzi, kodwa ayinguye wonke umntu. Kwi-Fedorov kunye nempuma, akukho nto itshintshileyo.
"Xa ngoDisemba saxelelwa malunga nokuqokelelwa komdla, saguquka saya kwi-fiu ukuba ilungise inani labasebenzi, kodwa ladibana nenye ingxaki," uFedoro uthi. -Ukuthathela ingqalelo utshintsho kwinani labasebenzi [kwisiseko], i-FIU ayihlaziywa kwi-database yenkonzo yerhafu, oko kukuthi, iBhanki isekwe kubalo lwayo. " Efanayo eMpuma: "Side sacacisa saza satshintsha inani labasebenzi ngeNgxowa-mali yePenshini, kodwa ngoku le datha ayiboniswanga kwisiseko serhafu, kwaye i-Bhanki igxile kwesi siseko." Ukudibana nabameli beBhanki khange bancede - "bayi-arhente kuphela kwaye abanakwenza nto."
I-FTS kwaye iSebe Lophuhliso Lwezoqoqosho lidityane, kwaye i-fiu ayiphendulanga isicelo. Umqhubi okanye umnini weenkonzo ngokuqokelelwa kwedatha yokubala inani lale nkqubo yelizwe yi-FTS, ilandelayo kwiGolo yeCandelo loPhuhliso lwezoQoqololo. I-FTS ixhasa umqhubi weqonga le-digital kwaye alinalo igunya lokwenza utshintsho kwidatha ebonelelwe ziibhanki kunye namasebe, kwaye indlela ibeka i-International Debledy.
Ingxaki ngoku ingasonjululwa kuphela ngenkundla okanye ukuba idatha ecacisiweyo kwinombolo iya kuvela ekugqibeleni kwiziko ledatha le-FTS, liyavela ixesha. Emva koko i-Bhanki izibongoza kubulungiseleli bophuhliso lwezoqoqosho, kwaye kuya kufuneka babuyisele inkampani kwimowudi yokubeka esweni: "Silindele ukuba irhafu iya kuvela kwisiseko serhafu kwaye siyakwenzeka, Siza kujika iNkundla, ngokogqwetha bethu, kufuneka siphumelele ukuphumelela. "
Kuba abo babolekayo, isigqibo sokubhala ngo-Matshi 2021 baya kwamkelwa ngaphakathi kwemali mboleko kubalo lwemali, bethembisa ummeli wophuhliso loqoqosho.
Akukho maninzi amaxhoba, i-Balabhu iqinisekisiwe. Ngokutsho kwesininzi sabathengi beBhanki yokuphambuka ngokwemigaqo yenkqubo, ayibonwanga, iqinisekisa abameli be-SBRBANIK, ethembisayo ukuba baqwalasele ityala ngasinye kwaye banikezela abathengi bemeko. Uninzi lwabathengi be-VTB bazalisekisa imigaqo yenkqubo kwaye bayaqhubeka nokunandipha imboleko, ngaphandle kokuhlawula inzala, iMmeli yakhe itsho.
Igqibelele ukuba idatha kwindawo yedatha ye-FTS ihlaziywa, itsho iMpuma. Kodwa umbuzo uhleli: Yintoni eza kuhlawulwa ngenqanaba le-15% yemali mboleko yokukhetha. Nokuba uSibenbank uya kubuya, ummeli wakhe akazange aphendule, kwaye wenza kwi-Ofisi yoPhuculo lwezoQoqoqosho.