Kodi ndi chiyani komanso momwe mungapezere nambala yapa mbiri ya mbiri ya ngongole - kuwunika mwachidule lingaliro + njira zotsimikizika

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Moni, okondedwa owerenga Maganizo a Moyo! Nkhaniyi idzafotokoza za mbiri yakale ya mbiri ya ngongole - ndi chiyani komanso momwe mungadziwire.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Tidzakambirana:

Kodi ndizotheka kudziwa mbiri yanu ya mbiri yapa kiredi pa intaneti;
Momwe code imapangidwira ngati ngongole yaperekedwa koyamba;
Kodi ndizotheka kuchita popanda code.

Kumapeto kwa kufalitsa, mwachizolowezi timayankha mafunso otchuka kwambiri pamutu womwe tikukambirana.

Ndiye tiyeni tizipita!

Werengani za code code ya mbiri ya ngongole ndi momwe mungapezere nkhaniyi

1. Kodi mbiri yakale ya mbiri ya mbiri ya ngongole - chiwonetsero chonse cha lingaliro 📋

Monga mwalamulo, akalembetsa ngongole, mabungwe obwereketsa amafunsa kasitomala kachidindo ka mbiri ya ngongole, zomwe amafunikira kuti adziwe zambiri pazachuma cha wobwereka kuchokera ku BCH (Bureau of Credit Histories).

Nambala yapa mbiri yakongole ndi nambala yachizindikiritso ya wobwereka (kuchokera 4 kale 15 otchulidwa). Inayamba kugawa kuyambira 2006 ndipo imakupatsani mwayi wodziwa kuti ndi CRI iti yomwe ili ndi mbiri ya wobwereka.

Kuphatikiza apo, pamaziko azidziwitso zomwe adalandira kuchokera ku CRI, bungwe la ngongole limapanga lingaliro pankhani yakubweza ngongole kapena kukana kwake.

Werengani za komwe mungapeze ngongole ndi mbiri yoyipa ya ngongole popanda kukanidwa mu imodzi mwazinthu zathu.

1.1. Komwe mungapeze nambala yapa mbiri yakale ya ngongole

Nzika ikayamba kufunsira ngongole, amapatsidwakachidindo ka mbiri ya mbiri ya ngongole... Bungwe lazachuma (nthawi zambiri banki kapena Ma IFI) pomaliza mgwirizano ndi wobwereka, akuwonetsa code yotere mu mgwirizano womwewo kapena cholumikizira. Kenako, munthawi yomweyo ndikusamutsa zambiri za wobwereka ku BCH, nambala iyi imatumizidwa kwa iwo.

Chiwembu chokhazikitsa nambala ya mutu wa CI

Khodi yokhudzana ndi mbiri yangongole imatha kupezeka kapena mwina sangakhalepo. Izi ndizotheka ngati munthuyo sanatengepo ngongole, kapena adatenga ngongoleyo ndikubweza kale 2006 za chaka... Kenako amatha kuchipeza potulutsa choyenera ziganizo ku NBKI (National Bureau of Credit Mbiri).

Ngati nzika sizikumbukira nambala yake ya CI, ndiye kuti akhoza kutero kufunsitsa kulandira izi kuchokera ku amodzi mwa mabanki akulu. Komabe, ndikofunikira kulingalira kuti ntchitoyi idzakhala analipira.

1.2. Momwe mbiri yakale ya mbiri ya mbiri ya phunziroli imawonekera

Makhalidwe a mbiri ya mbiri ya ngongole ndi zilembo ndi manambala. Kutalika kwa chinsinsi chotere ndi kuchokera 4 kale 15 otchulidwa.

Umu ndi momwe ma code a mutu wa mbiri ya ngongole amawonekera

Central Bank of the Russian Federation mu 2005 chaka, lamulo linaperekedwa kuti mapangidwe amtunduwu akhale. Ngakhale izi, nthawi yoyamba inali ponseponse njira yodziyimira payokha yolembetsedwa ndi wobwereka.

Kotero, Mwachitsanzo, mpaka 2006 zaka, pomwe ngongole yoyamba idaperekedwa, kasitomala adafunsidwa kuti abweretse chinsinsi, chokhala ndi zilembo ndi manambala achi Latin. Anali iye amene anali nambala ya mbiri ya mbiri ya ngongoleyo.
Komabe, izi zidapangitsa kuti kwa ambiri obwereketsa codeyo idakhala mawu kapena tanthauzo la manambala.

Yakovleva Galina

Katswiri wa zachuma.

Funsani funso

Chifukwa chake, lero, kutengera malangizo a Central Bank, mabungwe obwereketsa ndalama amakhazikitsa code ya CI yamakasitomala omwe amawalembera ngongole kwa nthawi yoyamba.

1.3. Ndi chiyani

Maofesi angapo obwereketsa ngongole ku Russia. Kuti mudziwe Ndani mwa iwo amasunga zambiri za wobwereka, muyenera kudziwa nambala ya mutu wa mbiri ya ngongole.

Pogwiritsa ntchito izi, mutha kupeza lipoti la ngongole zomwe munthu walandila komanso kukwaniritsidwa kwa zomwe ali nazo mu BCH.Ndikofunikira kudziwa, chani1 kamodzi12 miyezi izi zimaperekedwa kwaulere. Momwe mungapezere mbiri yaulere kwaulere ndi dzina lomaliza kudzera pa intaneti, tidakambirana mwatsatanetsatane munkhani yathu.

Palibe ntchito ina yachinsinsi. Kufunsira ngongole yatsopano ndikusainira mgwirizano womwewo, sikofunikira. Chifukwa chake, wobwereketsa alibe ufulu wokana kupereka ngongole kwa wobwereka chifukwa choti sakumbukira nambala yake ya mbiri ya ngongole.

1.4. Chifukwa chiyani mukusintha

Ndondomeko ya mbiri ya ngongole ya mutu ndichinsinsi chapadera. Kugwiritsa ntchito intaneti pa Central Bank of the Russian Federation (www.cbr.ru), Wobwereka atha kufunsa zambiri za iye. Apa mutha kusintha kapena kusinthanso nambala ya kasitomala.

Kusintha kwa malamulo a CI patsamba lovomerezeka la Bank of Russia

Zosintha zimafunikira kuti zidziwitso zidziwike. Zachidziwikire, mbiri yakale ya ngongole imapereka chidziwitso chokwanira chazidziwitso. Komabe, pali zochitika zosiyanasiyana m'moyo.

Ngati anthu ochita zachinyengo atha kukhala ndi mwayi wodziwa zambiri zanu, muyenera kuchitapo kanthu mwachangu. Zikatero, akatswiri amalangiza kusintha kachidindo. Ngati code yachotsedwa, mutha kulumikizana ndi NBCH kuti mubwezeretse.

Mwa njira iyi, code ndi gawo lofunikira m'mbiri yanu yangongole. Wobwereka ayenera kudziwa momwe angagwiritsire ntchito, kusintha, komanso kuphunzira ngati atayika.

Njira zotsimikizika zakudziwira mbiri yanu ya mbiri yangongole

2. Momwe mungadziwire code ya mutu wa mbiri yakale ya ngongole - zosankha 3 zodalirika 📑

Ndikukula kwa intaneti, kupeza zidziwitso zambiri kumakhala kosavuta. Komabe, ndizosatheka kufotokoza mbiri yakubweza ngongole pamutuwu posaka pa intaneti. Komabe, alipo Zosankha zodalirika za 3 pezani izi.

Zosankha 1. Mutaphunzira za mgwirizano wa ngongole

Zaka zingapo zapitazo, mabanki onse adawonetsa m'mapangano obwereketsa nambala ya mbiri ya mbiri yangongole.

Zambiri zokhudzana ndi nambala iyi zitha kukhala ndi:

molunjika m'magulu a mgwirizano;
m'modzi mwa olumikiza kumgwirizanowu.

Khodi yamitu pamgwirizano wa ngongole

Komabe, mpaka pano, si onse amene asunga mchitidwewu. Mabungwe ambiri akuluakulu amabanki amatenga mbiri yakubwereketsa mbiri yazachidziwitso. Samawawonetsa m'mgwirizano. Chifukwa chake, sizotheka nthawi zonse kudziwa izi mwa kuphunzira mgwirizano.

Yankho 2. Mwakulumikizana ndi banki

Ngati mulibe nambala yamgwirizanowu, mutha kulumikizana ndi banki yomwe idapereka ngongole kuti ifotokozere. Poterepa, mufunika kokha pompano pasipoti.

Komabe, si mabungwe onse a ngongole omwe ali okonzeka kukwaniritsa zosowa za makasitomala. Ambiri amakana kutulutsa nambala, potengera zikalata zingapo zakubanki zamkati. Zikatere, muyenera kugwiritsa ntchito njira yachitatu.

Njira 3. Polemba kalata ku BKI

Kuti mudziwe zambiri zokhudza mbiri ya ngongole, muyenera kulumikizana ndi dipatimenti yapafupi ya BCH.

Kuti mumve zambiri za code, muyenera:

kukhala ndi pasipoti nanu;
kulemba ntchito;
lipirani komiti.

Kawirikawiri, muyenera kulipira ntchito zoterezi kuchokera 200 kale 300 Ma ruble.

Ngati wobwerekayo sangathe, pazifukwa zilizonse, kubwera ku ofesi ya BCI, mutha kutumiza fomu yofunsira ku NBCH kudzera pamakalata. Njirayi iphunziridwa mwatsatanetsatane munkhaniyi.

Ndikofunika kumvetsetsa! Kaya ndi njira iti yomwe wobwereka adzagwiritse ntchito kuti afotokozere bwino mbiri ya mbiri ya ngongole ya nkhaniyi, pakufunika kutsimikizira kuti ndi mwini wake.

Gome ili m'munsi likuwonetsa njira zopezera nambala ya CI ndi zikalata zofunika kuchita izi.

Gome: "Zosankha pakupeza nambala ya CI ndi zikalata zofunikira pantchitoyi"

№	Momwe mungapezere nambala	Zolemba zofunika
1	Kudzera pangano la ngongole	Pangano la ngongole lomwe lidaperekedwa koyambirira
2	Polumikizana ndi banki	Pasipoti
3	Funsani ku BKI	Pasipoti Chidziwitso Chiphaso cha Commission

Tebulo likuwonetsa kuti njira yosavuta yodziwira nambala yanu yokhudza mbiri ya ngongole ili mu mgwirizano wa ngongole, ndipo ngati palibe - polumikizana ndi omwe amapereka ngongole.

3. Momwe mungapangire kachidindo ka mbiri ya ngongole pamutu - njira zitatu zotsimikizika 📝

Wobwereketsa aliyense ayenera kumvetsetsa: ngati palibe mbiri yakale yangongole, sipangakhale nambala. Komabe, pamakhala zochitika zina pamene ngongole zimaperekedwa, koma nambalayo sinaperekedwe kapena kutayika.

Nthawi zambiri, izi zimachitika chifukwa choti kale 2006 za chaka palibe amene amakakamiza makasitomala aku banki kuti alandire nambala. Zotsatira zake, iwo omwe adalandiridwa mpaka pano ali ndi ufulu wolandira nambala yatsopano. Taganizirani izi Njira 3 zotsimikizika kuti muchite izi.

Njira 1. Kulumikizana ndi NBCH

Kuti mupeze nambala pogwiritsa ntchito NBKI, muyenera kutsatira zotsatirazi:

pitani patsamba la bungwe ndikusunga fomu yofunsira;
lembani mawonekedwe;
dziwani siginecha pakugwiritsa ntchito;
perekani ntchito yomwe ili pafupi 300 ma ruble;
kutumiza ndi makalata ku adilesi ya NBCH (onani tsamba lovomerezeka la webusayiti) ntchito yomaliza komanso yotsimikizika pamodzi ndi chiphaso chobwezera.

Atalandira pempholi, akatswiri a National Bureau of Credit Histories amachita zofunikira, Mwachitsanzo kuchotsedwa kapena kusintha kachidindo. Pamapeto pake, adilesi yoyenera idzatumizidwa kwa wobwereka lipoti.

Njira 2. Kudzera kubanki yomwe idapereka ngongole yoyamba kwa wobwereka

Khodiyo itha kupezeka ku bungwe la ngongole lomwe lidapereka ngongole yoyamba kwa wobwereka. Ngati codeyo sinatchulidwe mu zikalatazo, muyenera kulumikizana ndi kampani yazachuma mwachindunji. Poterepa, muyenera kulembamawu, ndi kuvomereza kusanja zinsinsi zanu.

Ndikoyenera kulingalira kuti ntchito yotereyi imalipidwa. Commission ili pafupi 300 Ma ruble.

Njira 3. Mukamapeza ngongole yatsopano

M'zaka zaposachedwa, Central Bank of the Russian Federation yachepetsa chiwerengero cha mabungwe angongole. Chifukwa chake, zitha kuchitika kuti banki kapena MFI yomwe idapereka ngongole yoyamba kulibe. Poterepa, mutha kugwiritsa ntchito njirayi.

Kuti mulandire nambala yatsopano ya mbiri yakale ya ngongole, muyenera kupereka ngongole yaying'ono. Mukasaina mgwirizano, nambala yofananira imapangidwa.

Tidakambirana zakomwe tingapeze ngongole ndi mbiri yoyipa ya ngongole komanso omwe mabanki samayang'ana CI ya wobwereka, tidakambirana m'nkhani yapita.

Mwa njira iyi, mapangidwe a code amatha kutengedwa ndi imodzi mwa 3-x njira. Kusankhidwa kwa iwo makamaka chifukwa cha momwe zinthu ziliri pano.

Kodi ndizotheka kudziwa nambala yapa mbiri ya mbiri ya mbiri yapa online - tikukuwuzani zambiri

4. Momwe mungadziwire mbiri yanu yapa mbiri yapa kiredi pa intaneti (kudzera pa intaneti) kwaulere? 💸

Ambiri obwereka amayesa kutsimikizira nambala yawo pa intaneti. Komabe, palibe ntchito yomwe imapereka chidziwitso chotere pa intaneti ngakhale mutapereka chidziwitso cha pasipoti. Zowonadi zake, pamakhala chiopsezo chachikulu kuti achinyengo atha kukhala ndi zambiri zawo.

Chowonadi ndi chakuti Zomwe zili mu mbiri ya ngongole ndizobisika komanso zotetezedwa ndi lamulo... Chifukwa chake, mutha kudziwa nambala yapa mbiri ya ngongole yamutuwu kokha ndi pempho lanu kapena potumiza fomu yofananira ndi chiphaso chovomerezeka cha siginecha ndi notary.

Akatswiri amachenjeza kuti ochuluka achinyengo amagwiritsa ntchito netiweki. Kuti atenge ndalama za nzika zonyengerera, atha kupereka ntchito izi pamalipiro:

pezani code ya mutu wa mbiri ya ngongole - atasamutsa komiti, wobwereketsayo amatumizidwa ndi zilembo ndi manambala mosasintha, zomwe sizikugwirizana ndi zenizeni, kapena sizipereka chidziwitso chilichonse;
chotsani zambiri zoipa pa mbiri ya ngongole - ndizosatheka. Komabe, aliyense atha kukonza mbiri yake, koma chifukwa cha izi muyenera kupeza ndikubweza ngongole zingapo panthawi;
kuitanitsa lipoti la ngongole - izi zitha kuchitika pokhapokha potumiza pempholi ku BKI.

Chokhacho chomwe chingachitike pa intaneti ndikuti ngati muli ndi nambala yapa mbiri ya ngongole, Tumizani pempho lanu ku BCH inayake kudzera pa intaneti.

Kuphatikiza apo, izi zitha kuchitika pokhapokha ngati mabungwe omwe amapereka ngongole amapereka chithandizo chotere. Nthawi ina mu 12 miyezi, kasitomala aliyense ali ndi ufulu kulandira zambiri kuchokera ku mbiri ya ngongole ndiufulu.

Komanso, podziwa nambala yanu, mutha kufunsa zambiri mu National Bureau of Mbiri Mbiri... Komabe, ntchitoyi imaperekedwa pamalipiro - mtengo wake uli pafupifupi 300 Ma ruble.

5. Kodi ndizotheka kuchita popanda nambala ya CI? 📄

Obwereketsa ambiri samvetsetsa pang'ono chifukwa chake amafunikira nambala yakubungwe la ngongole ya kampani. Pankhaniyi, nthawi zambiri amakhala ndi funso: mungachite popanda izo?

Mwambiri, nambala iyi imafunikira pongofuna kuthandizira kasitomala. Ndi chithandizo chake, mutha kutsata mwachangu zosintha m'mbiri yanu yangongole. Komabe, kutumiza pempho ku BCI, mutha kuchita popanda code.

Nthawi zambiri, kuti lipoti la mbiri ya ngongole kuchokera ku CHB ndikwanira:

tchulani zidziwitso zanu (Dzina lathunthu ndi zidziwitso zaku pasipoti);
pozindikiritsa.

Pambuyo pake, uthengawu umatumizidwa ndi makalata aku Russia kapena kudzera pa intaneti. Komabe, njira iyi yodziwira zambiri imagwiritsidwa ntchito m'maofesi akulu okha. Komanso, kuti mudziwe zambiri mwanjira imeneyi, ndikofunikira kudziwa momwe BCH imasungidwa.

Ngati palibe chidziwitso chenicheni, ndipo ndikofunikira kudziwa kuti ndi maofesi ati omwe ali ndi mbiri ya mbiri ya ngongole, sigwira ntchito popanda code.

Mwa njira, mabungwe ena angongole amafuna kuti obwereketsa azisonyeza nambala ya CI yomwe ili kale panthawi yofunsira. Komabe kasitomala ali ndi ufulu wonse tchulani kuti sakumbukira nambala yake.

Obwereketsa ayenera kudziwa kuti banki ilibe ufulu wokana kupereka ngongole chifukwa chokha chosadziwa zambiri zokhudza code ya mbiri ya mbiri ya ngongole. Ngati ichi ndi chifukwa chake sanasankhe bwino, mutha kupita kukadandaula.

Poterepa, achitetezo a bungwe la ngongole ayenera kutumiza okha mafunso kumaofesi akuluakulu. Komabe, palibe chitsimikizo kuti ndi mwa iwo momwe zosungira za wobwereka wina zimasungidwa. Chifukwa chake, lipoti la ngongole mwina silikhala lathunthu.

Mwa njira iyi, malamulo okhudza mbiri ya ngongole angafunike ndi mabungwe azachuma, komanso nzika yomwe.

Mabungwe ogulitsa ngongole amagwiritsa ntchito njirayi kuti adziwe zambiri za mbiri ya wobwereka.
Obwereka amatha kugwiritsa ntchito nambala yotsatira mbiri yawo ya ngongole.

Mwa njira, nzika zili ndi ufulu woletsa mwayi wodziwa zambiri za iwo eni. Pachifukwa ichi, mutha kusintha kapena kufufuta kachidindo pazinthu zapaintaneti za Central Bank ndi NBKI.

6. Chofunika kukumbukira‼ 💎

Ndikofunikira kuti wobwereka aliyense adziwe zofunikira pazikhodi za mbiri ya ngongole:

Simuyenera kukhulupirira omwe akuti adalandira nambala yatsopano ya mbiri ya ngongole, mutha kukonzanso mbiri yanu yowonongeka. Achinyengo amafalitsa uthengawu. M'malo mwake, kuzindikiritsa mu NBCH kumachitika pogwiritsa ntchito zidziwitso zaumwini. Chifukwa chake, ngakhale malamulowo atasinthidwa, zidziwitso za ngongole zomwe zidalipo kale komanso zomwe zabwezedwa kale, zidzasungidwa m'mbiri ya ngongole. Tidakambirana momwe mungasinthire mbiri yanu yangongole m'nkhani yapitayi.
Ngati kulibe nambala yamgwirizano wamalipiro yomwe idaperekedwa kalekale, mwina siyinapangidwebe. Poterepa, wobwereka ali ndi ufulu wodziyendera pawokha pakupanga kwake. Pachifukwa ichi, akuyenera kulumikizana ndi banki kapena ku ofesi ya ngongole.
Ngati code yatayika, sizingatheke kuti ibwezeretsedwe. Mwanjira ina, ngati kuphatikiza manambala ndi zilembo zaiwalika, mudzayenera kulumikizana ndi ofesi ya ngongole kuti mupange chatsopano chinsinsi. Kuphatikiza apo, ngakhale wobwereka atapeza yakale atapanga nambala yatsopano, iwonedwa kuti ndi yosavomerezeka. Akatswiri amalangiza sungani nambala yanu pamalo otetezeka ndi zikalata zina zofunika.Poterepa, simuyenera kuda nkhawa kuti mudzataya ndikupewa zina zowonjezera zolipira kubweza ndalama zopangira nambala yatsopano.
Ngati pali code, wobwereka ali ndi ufulu wopempha lipoti lonena za mbiri yake yangongole kwaulere. Zowona, izi zitha kuchitika kamodzi kokha pachaka... Ngati pali chikhumbo kapena chosowa chofotokozera zambiri nthawi zambiri, mudzayenera kulipira chifukwa cha izi.

7. Mayankho a Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Mukamaphunzira zambiri za code ya mbiri yakale ya ngongole, mafunso ambiri amabwera. Kuti tisunge nthawi yanu, kumapeto kwa bukuli mwachikhalidwe timayankha odziwika kwambiri.

Funso 1. Kodi nambala yowonjezera ya mutu wa CI ndi chifukwa chiyani ikufunika?

Wobwereketsa aliyense ali ndi ufulu wopanga code yowonjezera... Izi zitha kuchitika patsamba la Central Bank of the Russian Federation. Ziyenera kumvedwa kuti kuti mupange nambala yowonjezera, muyenera kufotokoza yomwe ilipo.

Kukhazikitsidwa kwa pulogalamu yofunsira kukhazikitsa nambala yowonjezera ya mutu wa CI

Chida choterechi chimagwiritsidwa ntchito kupatsa mwayi wodziwa zambiri za mbiri ya munthu kwakanthawi kochepa. Zowonjezera ndizovomerezeka nthawi 30 masiku chiyambireni kukhazikitsidwa.

Funso 2. Kodi ndingapeze kuti chikhodi changa mu mgwirizano wa ngongole?

Mukamapanga mgwirizano wobwereketsa, ndizotheka 3 njira yokhudza kupezeka kwa code ya CI mmenemo:

mgwirizanowu ulibe chinsinsi ichi;
kuphatikiza code mu mgwirizano, cholumikizira china chimagwiritsidwa ntchito, chomwe chili ndi chidziwitso chofunikira;
code ya mutu wa mbiri ya ngongole ikuwonetsedwa patsamba loyamba la mgwirizano pakona yakumanja.

Osati mabanki onse omwe ali ndi nambala pamgwirizano wa ngongole. Izi ndichifukwa choti kulibe chofunsa chofunikiracho m'malamulo. Ngati wobwereka sanapeze nambala yamgwirizanowu, ayenera kulumikizana ndi banki kuti apeze.

Chifukwa chake, kachidindo ka CI ndi kachipangizo kapadera (mtundu wa "pini-code") yomwe imaperekedwa kwa wobwereka aliyense. Ndi chithandizo chake, mutha kudziwa zambiri zazokhudza mbiri ya ngongole ya nzika inayake.

Ndikofunikira kuti wobwereka aliyense adziwe momwe angagwiritsire ntchito nambala yanu komanso komwe angagwiritse ntchito, komanso kuti apange yatsopano.

Pomaliza, tikulimbikitsa kuwonera kanema - "Momwe mungadziwire ndikuyang'ana CI:

Ndi kanema wonena za code ya CI:

Ndizo zonse kwa ife.

Tikulakalaka owerenga Maganizo a Moyo waumoyo! Sungani mbiri yanu yangongole nthawi zonse!

Okondedwa, ngati munakonda nkhaniyi, mugawane nawo pa malo ochezera a pa Intaneti. Tidzakhalanso okondwa kuyankha mafunso aliwonse omwe mungakhale nawo - afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira!

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