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çÓÏ ÔÓ‰„ÓÚÓ‚ÎÂÌÛÔ‡‚ÎÂÌËÂÏ ËÌÙÓχˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

É·‚Ì˚È Â‰‡ÍÚÓÄ.î.ÑÓÁ‰Ó‚ á‡Ï. „·‚ÌÓ„Ó Â‰‡ÍÚÓ‡ç.à.ÅÓËÒÂÌÍÓ éÚ‰ÂÎ ÌÓχÚË‚Ì˚ı ‰ÓÍÛÏÂÌÚÓ‚ã.à.èÛ̸ÍÓ ê‰‡ÍÚÓ˚à.Ç.ÉË΂˘ Ä.ã.ÜË·˜ äÓÏÔ¸˛ÚÂÌ˚È Ì‡·Óã.à.äË‚ẨÓ

é·ÎÓÊ͇Ä.Ç.ÅÂθÒÍËÈ ÇÂÒÚ͇ËÁ‰‡ÚÂθÒÍËÈ ˆÂÌÚ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇

ĉÂÒ Â‰‡ÍˆËË220008, „. åËÌÒÍ, ÔÓÒÔ. î. ëÍÓËÌ˚, 20íÂÎ.: (017) 219-23-85, 219-23-87íÂÎ./Ù‡ÍÒ 227-17-01e-mail: bv@nbrb.by

éÚÔ˜‡Ú‡ÌÓ‚ ÚËÔÓ„‡ÙËË éÄé “í‡ÌÒÚ˝ÍÒ” 220034, „. åËÌÒÍ, ÛÎ. ó‡Ô‡Â‚‡, 5

á‡Í‡Á ‹ 331èÓ‰ÔËÒ‡ÌÓ ‚ Ô˜‡Ú¸ 17.04.2003îÓÏ‡Ú 60ı84 1/8éÙÒÂÚ̇fl Ô˜‡Ú¸ ìÒÎ. Ô˜. Î. 8íË‡Ê 1080 ˝ÍÁ.

ÜÛ̇ΠÁ‡Â„ËÒÚËÓ‚‡Ì ‚ ÉÓÒÛ‰‡ÒÚ‚ÂÌÌÓÏ ÍÓÏËÚÂÚ ÔÓ Ô˜‡ÚË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ 01.07.1996ë‚ˉÂÚÂθÒÚ‚Ó Ó Â„ËÒÚ‡ˆËË ‹ 586

íӘ͇ ÁÂÌËfl ‰‡ÍˆËË Ì ‚Ò„‰‡ ÒÓ‚Ô‡‰‡ÂÚ Ò ÏÌÂÌËÂÏ ‡‚ÚÓÓ‚.êˆÂÌÁËË Ì‡ ÒÚ‡Ú¸Ë ‡‚ÚÓ‡Ï Ì ÒÓÓ·˘‡˛ÚÒfl.èÂÂÔ˜‡Ú͇ χÚ¡ÎÓ‚ — Òӄ·ÒÌÓ á‡ÍÓÌÛ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ “é· ‡‚ÚÓÒÍÓÏ Ô‡‚Â Ë ÒÏÂÊÌ˚ı Ô‡‚‡ı”

èÓ‰ÔËÒÌÓÈ Ë̉ÂÍÒ 74829

ì˜Â‰ËÚÂθ —燈ËÓ̇θÌ˚È ·‡ÌÍ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

© ŇÌÍÓ‚ÒÍËÈ ‚ÂÒÚÌËÍ, 2003

БАНКОВСКИЙ ВЕСТНИК BANK BULLETIN MAGAZINEàÌÙÓχˆËÓÌÌÓ-‡Ì‡ÎËÚ˘ÂÒÍËÈ Ë Ì‡Û˜ÌÓ-Ô‡ÍÚ˘ÂÒÍËÈ ÊÛ̇Π燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

№ 11 (232) 2003 года. Издается с апреля 1992 года

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✦

Банкаўскi 2003

à ç î é ê å Ä ñ à é ç ç õ â Ç õ è ì ë ä ’ 1 — 1 5 Ä è ê Ö ã ü

é Ù Ë ˆ Ë ‡ Î ¸ Ì ÓèÂÒÒ-ÂÎËÁ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . . . . . . . . . . .2

íẨÂ̈ËË ‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÒÙ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

낉ÂÌËfl Ó ·‡Ì͇ı, Á‡Â„ËÒÚËÓ‚‡ÌÌ˚ı ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, Ëı ÙËΡ·ı Ë Ô‰ÒÚ‡‚ËÚÂθÒÚ‚‡ı ËÌÓÒÚ‡ÌÌ˚ı ·‡ÌÍÓ‚ ̇ 1 ‡ÔÂÎfl 2003 „. . . . . . . . . . . .6

ÑÂÌÂÊÌ˚È Ó·ÁÓ ·‡ÌÍÓ‚ÒÍÓÈ ÒËÒÚÂÏ˚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . . . . . . . . . .9

ÑÂÌÂÊÌ˚È Ó·ÁÓ Ó„‡ÌÓ‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓ„Ó Â„ÛÎËÓ‚‡ÌËfl êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

ÑÂÌÂÊÌ˚È Ó·ÁÓ ·‡ÌÍÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

îË̇ÌÒÓ‚˚ ÔÓ͇Á‡ÚÂÎË ‰ÂflÚÂθÌÓÒÚË ·‡ÌÍÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . .11

ëÚÛÍÚÛ‡ ËÌ‚ÂÒÚˈËÓÌÌÓ„Ó ÔÓÚÙÂÎfl ·‡ÌÍÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . .12

àÌÙÓχˆËfl Ó Ô˂ΘÂÌÌ˚ı ‰ÂÔÓÁËÚ‡ı ‚ ·‡Ì͇ı êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . .13

àÌÙÓχˆËfl Ó Í‰ËÚ‡ı, ‚˚‰‡ÌÌ˚ı ·‡Ì͇ÏË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . . . . . . . . . . . . . .14

ÑË̇ÏË͇ Ò‰ÌËı ÔÓˆÂÌÚÌ˚ı ÒÚ‡‚ÓÍ ÙË̇ÌÒÓ‚Ó„Ó ˚Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ . . . . . .15

éÒÌÓ‚Ì˚ ÔÓ͇Á‡ÚÂÎË ‡·ÓÚ˚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌÓÈ ÒËÒÚÂÏ˚ ÏÂÊ·‡ÌÍÓ‚ÒÍËı ‡Ò˜ÂÚÓ‚ . .17

ìÒÚ‡ÌÓ‚ÎÂÌÌ˚ 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ Ò 1 ‡ÔÂÎfl ÍÛÒ˚ ËÌÓÒÚ‡ÌÌ˚ı ‚‡Î˛Ú, ÍÓÚËÛÂÏ˚ı ÂÊÂÏÂÒfl˜ÌÓ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

äÛÒ˚ ËÌÓÒÚ‡ÌÌ˚ı ‚‡Î˛Ú, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ Ò 1 ÔÓ 15 ‡ÔÂÎfl . . . . .18

ë Ô ‡ ‚ Ó ˜ Ì Ó Â · ˛ ÓíÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸ ͇ÚÍÓÒÓ˜Ì˚ı Ó·ÎË„‡ˆËÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‚˚ÔÛÒÍË ‹ 55 Ë 56) . . . . . . . . . . . . . . . . . . . .19

àÚÓ„Ë ÚÓ„Ó‚ ËÌÓÒÚ‡ÌÌ˚ÏË ‚‡Î˛Ú‡ÏË ‚ éÄé “ÅÂÎÓÛÒÒ͇fl ‚‡Î˛ÚÌÓ-ÙÓ̉ӂ‡fl ·Ëʇ” c 1 ÔÓ 15 ‡ÔÂÎfl . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

àÚÓ„Ë ÚÓ„Ó‚ ˆÂÌÌ˚ÏË ·Ûχ„‡ÏË ‚ éÄé “ÅÂÎÓÛÒÒ͇fl ‚‡Î˛ÚÌÓ-ÙÓ̉ӂ‡fl ·Ëʇ” c 1 ÔÓ 15 ‡ÔÂÎfl . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

ç Ó Ï ‡ Ú Ë ‚ Ì ˚  ‡ Í Ú ˚èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 06.03.2003 ‹ 38 “é· ÛÚ‚ÂʉÂÌËË àÌÒÚÛ͈ËË ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32

ç‡Á‡Ó‚ Ä. äÓÏÏÂÌÚ‡ËÈ Í ÔÓÒÚ‡ÌÓ‚ÎÂÌ˲ 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 06.03.2003 ‹ 38 . . . . . . . . . . . . . . . . . . . . .36

èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 20.03.2003 ‹ 53 “é· ÛÚ‚ÂʉÂÌËË èÓ„‡ÏÏ˚ ‚‚‰ÂÌËfl Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36

èÓÒÚ‡ÌÓ‚ÎÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 24.03.2003 ‹ 90 “é ‚˚ÔÛÒÍ ‚ Ó·‡˘ÂÌË ԇÏflÚÌÓÈ ÏÓÌÂÚ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ “ãËÒ‡” . . . . . . . . . . . . . . . . .39

èÓÒÚ‡ÌÓ‚ÎÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 25.03.2003 ‹ 91 “é· ÛÚ‚ÂʉÂÌËË è‡‚ËÎ Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸” . . . . . . . . . . .39

Ñ Ó Ô Ó Î Ì Â Ì Ë fl Ë Ë Á Ï Â Ì Â Ì Ë fl ‚ Ì Ó Ï ‡ Ú Ë ‚ Ì ˚  ‡ Í Ú ˚èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 20.03.2003 ‹ 51 “é ‚ÌÂÒÂÌËË ËÁÏÂÌÂÌËÈ ‚ 臂Ë· ÔËÏÂÌÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ï ‚ÓÁ‰ÂÈÒÚ‚Ëfl Í ·‡ÌÍ‡Ï Ë Ì·‡ÌÍÓ‚ÒÍËÏ Í‰ËÚÌÓ-ÙË̇ÌÒÓ‚˚Ï Ó„‡ÌËÁ‡ˆËflÏ, ÛÚ‚ÂʉÂÌÌ˚ ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 25 flÌ‚‡fl 2001 „. ‹ 3” . . . . . .56

Ç Ó Ô Ó Ò — Ó Ú ‚  ÚêÂÍÓÏẨ‡ˆËË Ó ÔÓfl‰Í ӄ‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËflÓÚ 24.03.2003 ‹ 04-32/148 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .57

é ÙÓÏËÓ‚‡ÌËË Ë̉Ë͇ÚË‚ÌÓÈ ÒÚ‡‚ÍË ÏÂÊ·‡ÌÍÓ‚ÒÍÓ„Ó ˚Ì͇ÓÚ 03.04.2003 ‹ 36-38/61 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .64

2 Банковский вестник, 11’2003

ОФИЦИАЛЬНО

èÂÒÒ-ÂÎËÁ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

Национальный банк Республики Беларусь 3 апреля 2003 г.выпускает в обращение золотую со вставками из бриллиантовпамятную монету “Лиса” номиналом 50 рублей. Она изготовле-на в рамках международной монетной программы, пробойсплава 999, диаметром 25,00 мм, массой драгоценного метал-ла в чистоте 7,78 г.

Монета имеет форму круга. С лицевой и оборотной сторон— выступающий кант по окружности. Боковая поверхность —рифленая.

На лицевой стороне монеты расположено: в круге, обрам-ленном геометрическим орнаментом, — рельефное изображе-ние Государственного герба Республики Беларусь, под ним ука-заны год чеканки и проба сплава; по кругу надписи: в верхнейчасти — “РЭСПУБЛIКА БЕЛАРУСЬ”, в нижней — “ПЯЦЬДЗЕСЯТРУБЛЁЎ”.

На оборотной стороне монеты расположено: в центре — ре-льефное изображение головы лисы, в глазах — вставки из брил-лиантов; по кругу надписи: справа внизу — “VULPES VULPES”,вверху — “ЛІС”.

Монета изготовлена качеством “пруф”. Тираж — до 2000 шт.Выпущенная в обращение монета является законным пла-

тежным средством Республики Беларусь и обязательна к при-ему по нарицательной стоимости при всех видах платежей безовсяких ограничений.

02.04.2003

* * *Да 35 працэнтаў гадавых памяншаюцца з 21 красакавіка

2003 г. базавая стаўка рэфінансавання і ўліковая стаўка Нацыя-нальнага банка.

Такое рашэнне прынята пастановай Праўлення Нацыяналь-нага банка краіны ад 15.04.2003 № 73 на падставе артыкула 366Грамадзянскага кодэкса і артыкула 32 Банкаўскага кодэкса Рэс-публікі Беларусь, а таксама ў адпаведнасці з Асноўнымі напрам-камі грашова-крэдытнай палітыкі Рэспублікі Беларусь на 2003год і на аснове фактычных і прагназуемых тэмпаў інфляцыі.

Па звестках Міністэрства статыстыкі і аналізу, тэмп ростуспажывецкіх цэн у студзені склаў 4,3 працэнта, у лютым — 1,9, аў сакавіку ён зменшыўся да 1,8 працэнта. У красавіку — маі, папрагнозу Міністэрства эканомікі, павелічэння інфляцыi не чака-ецца.

Рэальнае значэнне базавай стаўкі рэфінансавання павыніках студзеня — сакавіка было станоўчым, гэта значыць, пе-равышала тэмп росту спажывецкіх цэн.

Зыходзячы з гэтага і было прынята рашэнне аб чарговымпаніжэнні базавай стаўкі рэфінансавання і ўліковай стаўкі Нацы-янальнага банка. Папярэдняя іх велічыня (37 працэнтаў гадавых)была ўстаноўлена з 21 сакавіка 2003 г.

Такое паніжэнне стаўкі рэфінансавання (з 37 да 35 працэнтаўгадавых) дазваляе па-ранейшаму засцерагаць уклады на-сельніцтва ў беларускіх рублях ад абясцэньвання і дазваляезрабіць таннейшымі крэдыты для рэальнага сектара эканомікі.

15.04.2003

3Банковский вестник, 11’2003

ОФИЦИАЛЬНО

íẨÂ̈ËË‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÒÙ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

‚ flÌ‚‡Â — Ù‚‡Î 2003 „.ÑÂflÚÂθÌÓÒÚ¸ ·‡ÌÍÓ‚ÒÍÓÈ ÒËÒÚÂÏ˚ ‚ flÌ‚‡Â — Ù‚‡ÎÂ

2003 „. ·˚· ÓËÂÌÚËÓ‚‡Ì‡ ̇ ‚˚ÔÓÎÌÂÌË ÔËÓËÚÂÚÌÓÈ Á‡‰‡-˜Ë éÒÌÓ‚Ì˚ı ̇ԇ‚ÎÂÌËÈ ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÔÓÎËÚËÍË êÂÒ-ÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 2003 „Ó‰1 — Á‡˘ËÚÛ Ë Ó·ÂÒÔ˜ÂÌË ÛÒÚÓÈ-˜Ë‚ÓÒÚË ·ÂÎÓÛÒÒÍÓ„Ó Û·Îfl, ‚ ÚÓÏ ˜ËÒÎÂ Â„Ó ÔÓÍÛÔ‡ÚÂθÌÓÈÒÔÓÒÓ·ÌÓÒÚË Ë Ó·ÏÂÌÌÓ„Ó ÍÛÒ‡ ÔÓ ÓÚÌÓ¯ÂÌ˲ Í ËÌÓÒÚ‡ÌÌ˚Ï‚‡Î˛Ú‡Ï. èË Ôӂ‰ÂÌËË ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÔÓÎËÚËÍË Â‚‡ÊÌÂȯË ԇ‡ÏÂÚ˚ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. ÔÓ‰‰ÂÊË-‚‡ÎËÒ¸ ̇ ÛÓ‚Ìflı Ë ‚ ÔÓÔÓˆËflı, Ó·ÂÒÔ˜˂‡˛˘Ëı ‰ÓÒÚËÊÂÌËÂÓÔÚËχθÌÓÈ ‚ ÒÓ‚ÂÏÂÌÌ˚ı ÛÒÎÓ‚Ëflı ‰Ë̇ÏËÍË ÍÛÒ‡ ·ÂÎÓÛÒ-ÒÍÓ„Ó Û·Îfl.

1. LJβÚÌ˚È ˚ÌÓÍ11..11.. ääÛÛÒÒ ··ÂÂÎÎÓÓÛÛÒÒÒÒÍÍÓÓ„„ÓÓ ÛÛ··ÎÎflfl.. äÓÌÚÓÎËÛÂÏ˚Ï ÔÓ͇Á‡ÚÂÎÂÏ

ÔË Ôӂ‰ÂÌËË ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÔÓÎËÚËÍË ‚ 2003 „Ó‰Û fl‚-ÎflÂÚÒfl Ó·ÏÂÌÌ˚È ÍÛÒ ·ÂÎÓÛÒÒÍÓ„Ó Û·Îfl Í ËÌÓÒÚ‡ÌÌ˚Ï ‚‡-βڇÏ. î‡ÍÚ˘ÂÒÍË Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ÓÙˈˇθÌ˚ÈÓ·ÏÂÌÌ˚È ÍÛÒ ·ÂÎÓÛÒÒÍÓ„Ó Û·Îfl ÒÌËÁËÎÒfl ÔÓ ÓÚÌÓ¯ÂÌ˲ ÍÓÒÒËÈÒÍÓÏÛ Û·Î˛ ̇ 3,4 ÔÓˆÂÌÚ‡, ËÎË Ì‡ 1,7 ÔÓˆÂÌÚ‡ ‚ Ò‰-ÌÂÏ Á‡ ÏÂÒflˆ, Í ‰ÓÎÎ‡Û ëòÄ — ̇ 2,7 ÔÓˆÂÌÚ‡, ËÎË Ì‡ 1,3 ÔÓ-ˆÂÌÚ‡ ‚ Ò‰ÌÂÏ Á‡ ÏÂÒflˆ, ‡ Â„Ó ÛÓ‚Â̸ ̇ 01.03.2003 ÒÓÒÚ‡‚ËÎ62,45 Û·Îfl Á‡ 1 ÓÒÒËÈÒÍËÈ Û·Î¸ Ë 1 972 Û·Îfl Á‡ 1 ‰ÓηëòÄ. èË ˝ÚÓÏ Ó·ÏÂÌÌ˚ ÍÛÒ˚ ·ÂÎÓÛÒÒÍÓ„Ó Û·Îfl ̇ ‡Á΢-Ì˚ı Ò„ÏÂÌÚ‡ı ‚‡Î˛ÚÌÓ„Ó ˚Ì͇ ÒÍ·‰˚‚‡ÎËÒ¸ Ô‡ÍÚ˘ÂÒÍË Ì‡Ó‰ÌÓÏ ÛÓ‚ÌÂ Ë ÙÓÏËÓ‚‡ÎËÒ¸ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒÓ ÒÔÓÒÓÏ ËÔ‰ÎÓÊÂÌËÂÏ.

11..22.. Ç ˆÂÎÓÏ ÒËÚÛ‡ˆËfl ̇ ‚‡Î˛ÚÌÓÏ ˚ÌÍ ӈÂÌË‚‡ÂÚÒfl ͇ÍÓÚÌÓÒËÚÂθÌÓ ÛÒÚÓȘ˂‡fl. èÓ‰ÓÎʇÂÚÒfl Û‚Â΢ÂÌË ÔÓÒÚÛÔÎÂ-ÌËfl ‚‡Î˛ÚÌÓÈ ‚˚Û˜ÍË Ì‡ Ò˜ÂÚ‡ Ô‰ÔËflÚËÈ Ë Ó·˙ÂÏÓ‚  ÔÓ-‰‡ÊË Ì‡ ‚ÌÛÚÂÌÌÂÏ ‚‡Î˛ÚÌÓÏ ˚ÌÍÂ. è‰ÔËflÚËflÏ Ë Ì‡ÒÂÎÂ-Ì˲ ÒÓÁ‰‡Ì˚ ÛÒÎÓ‚Ëfl ‰Îfl Òӂ¯ÂÌËfl ÓÔ‡ˆËÈ ÔÓ ÔÓÍÛÔÍÂ-ÔÓ‰‡Ê ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ̇ Ó„‡ÌËÁÓ‚‡ÌÌ˚ı Ò„ÏÂÌÚ‡ı ‚‡-βÚÌÓ„Ó ˚Ì͇.

ì‚Â΢ÂÌË ‚‡Î˛ÚÌ˚ı ÔÓÒÚÛÔÎÂÌËÈ ÓÚ‡ÁËÎÓÒ¸ ̇ ÓÒÚÂÔÓ‰‡Ê ÒÛ·˙ÂÍÚ‡ÏË ıÓÁflÈÒÚ‚Ó‚‡ÌËfl2 ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ̇·ËÊ‚ÓÏ Ë ‚Ì·ËÊ‚ÓÏ ‚ÌÛÚÂÌÌËı ‚‡Î˛ÚÌ˚ı ˚Ì͇ı. Ç flÌ-‚‡Â — Ù‚‡Î 2003 „. ÒÛ·˙ÂÍÚ‡ÏË ıÓÁflÈÒÚ‚Ó‚‡ÌËfl ÔÓ‰‡ÌÓ583,8 ÏÎÌ ‰Óηӂ ëòÄ, ˜ÚÓ Ì‡ 35,8 ÔÓˆÂÌÚ‡ Ô‚˚¯‡ÂÚ ÔÓ-͇Á‡ÚÂθ flÌ‚‡fl — Ù‚‡Îfl 2002 „. Ç ˆÂÎÓÏ Á‡ flÌ‚‡¸ — Ù‚-‡Î¸ 2003 „. ҇θ‰Ó ÔÓ‰‡Ê ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ÒÛ·˙ÂÍÚ‡ÏËıÓÁflÈÒÚ‚Ó‚‡ÌËfl ÒÓÒÚ‡‚ËÎÓ -120,7 ÏÎÌ ‰Óηӂ ëòÄ, ˜ÚÓ Ì‡11,3 ÔÓˆÂÌÚ‡ Ô‚˚¯‡ÂÚ Á̇˜ÂÌË ‰‡ÌÌÓ„Ó ÔÓ͇Á‡ÚÂÎfl ‚ flÌ‚‡- — Ù‚‡Î 2002 „.

ëËÚÛ‡ˆËfl ̇ ˚ÌÍ ̇΢ÌÓÈ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ı‡‡ÍÚÂ-ËÁÓ‚‡Î‡Ò¸ ÒÌËÊÂÌËÂÏ ‡Á˚‚‡ ÏÂÊ‰Û ÒÔÓÒÓÏ Ì‡ÒÂÎÂÌËfl ̇ËÌÓÒÚ‡ÌÌÛ˛ ‚‡Î˛ÚÛ Ë Â Ô‰ÎÓÊÂÌËÂÏ. é·ÓÓÚ ˚Ì͇ ̇΢-ÌÓÈ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. ÒÎÓÊËÎÒfl̇ ÛÓ‚Ì 472,4 ÏÎÌ ‰Óηӂ ëòÄ, ˜ÚÓ Ì‡ 22,2 ÔÓˆÂÌÚ‡ ‚˚¯Â,˜ÂÏ ‚ flÌ‚‡Â — Ù‚‡Î 2002 „. èË ˝ÚÓÏ Ó·˙ÂÏ Ô‰ÎÓÊÂÌËflËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ÒÓÒÚ‡‚ËÎ 235,9 ÏÎÌ ‰Óηӂ ëòÄ, ÒÔÓÒ̇ Ì — 244,2 ÏÎÌ ‰Óηӂ ëòÄ (ËÎË Ì‡ 3,5 ÔÓˆÂÌÚ‡ ·Óθ-¯Â), ˜ÚÓ ÔË‚ÂÎÓ Í ÙÓÏËÓ‚‡Ì˲ ÓÚˈ‡ÚÂθÌÓ„Ó Ò‡Î¸‰Ó ̇˚ÌÍ ̇΢ÌÓÈ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú˚ ‚ ‡ÁÏ 8,4 ÏÎÌ ‰Óη-Ó‚ ëòÄ3 ÔË -94,6 ÏÎÌ ‰Óηӂ ëòÄ ‚ flÌ‚‡Â — Ù‚‡ÎÂ2002 „.

2. ŇÌÍÓ‚Ò͇fl ÒËÒÚÂχ22..11.. ç‡ 1 χڇ 2003 „. ‚ êÂÒÔÛ·ÎËÍ Å·ÛÒ¸ ‚ ÌÓχθÌÓÏ

ÂÊËÏ ÙÛÌ͈ËÓÌËÓ‚‡ÎÓ 28 ·‡ÌÍÓ‚ Ò 480 ÙËΡ·ÏË4. àÁ 28‰ÂÈÒÚ‚Û˛˘Ëı ·‡ÌÍÓ‚ 23 ·‡Ì͇ fl‚Îfl˛ÚÒfl ·‡Ì͇ÏË Ò Û˜‡ÒÚËÂÏËÌÓÒÚ‡ÌÌÓ„Ó Í‡ÔËڇ·, ‚ ÚÓÏ ˜ËÒΠ5 ·‡ÌÍÓ‚ — ÒÓ 100-ÔÓ-ˆÂÌÚÌ˚Ï ËÌÓÒÚ‡ÌÌ˚Ï Í‡ÔËÚ‡ÎÓÏ. ÑÓÎfl ËÌÓÒÚ‡ÌÌÓ„Ó Í‡ÔËڇ·‚ ÛÒÚ‡‚Ì˚ı ÙÓ̉‡ı ·‡ÌÍÓ‚, ‰ÂÈÒÚ‚Û˛˘Ëı ̇ ÚÂËÚÓËË êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸, ̇ 1 χڇ 2003 „. ÒÓÒÚ‡‚Ë· 10,5 ÔÓˆÂÌÚ‡, ‚ ÚÓϘËÒΠ‰ÓÎfl ÓÒÒËÈÒÍÓ„Ó Í‡ÔËڇ· — 1,5 ÔÓˆÂÌÚ‡. äÓÏ ÚÓ„Ó,̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ıÓ‰flÚÒfl 11 Ô‰ÒÚ‡‚Ë-ÚÂθÒÚ‚ ËÌÓÒÚ‡ÌÌ˚ı ·‡ÌÍÓ‚ (·‡ÌÍÓ‚ êÓÒÒËË, ãËÚ‚˚, ã‡Ú‚ËË,ÉÂχÌËË Ë èÓθ¯Ë).

ììÒÒÚÚ‡‡‚‚ÌÌ˚̊ ÙÙÓÓÌ̉‰˚̊ ··‡‡ÌÌÍÍÓÓ‚‚ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ‚˚-ÓÒÎË Ì‡ 120,7 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 14,8 ÔÓˆÂÌÚ‡, Ë Ì‡ 1 χڇ2003 „. ÒÓÒÚ‡‚ËÎË 936,6 ÏΉ Û·ÎÂÈ, ‚ ‡θÌÓÏ ‚˚‡ÊÂÌËË —̇ 8,1 ÔÓˆÂÌÚ‡. éÒÌÓ‚ÌÓÈ ÔËÓÒÚ ÛÒÚ‡‚Ì˚ı ÙÓ̉ӂ ·‡ÌÍÓ‚ÔÓËÁÓ¯ÂÎ Á‡ Ò˜ÂÚ Ëı Û‚Â΢ÂÌËfl ̇ 117,4 ÏΉ Û·ÎÂÈ, ËÎË Ì‡17,5 ÔÓˆÂÌÚ‡ (‚ ‡θÌÓÏ ‚˚‡ÊÂÌËË — ̇ 10,6 ÔÓˆÂÌÚ‡), ‚·‡Ì͇ı, ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ı 臂ËÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸Ó·ÒÎÛÊË‚‡Ú¸ „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ ÔÓ„‡ÏÏ˚ Ë ÏÂÓÔËflÚËfl5, ˜ÚÓ ‚ÓÒÌÓ‚ÌÓÏ Ò‚flÁ‡ÌÓ Ò Ú‡ÌÒÙÓχˆËÂÈ Á‡‰ÓÎÊÂÌÌÓÒÚË ÄëÅ “ÅÂ-·ÛÒ·‡ÌÍ” Ë éÄé “Å·„ÓÔÓÏ·‡ÌÍ” Ô‰ 燈ËÓ̇θÌ˚Ï ·‡Ì-ÍÓÏ Ë è‡‚ËÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ ÛÒÚ‡‚Ì˚ ÙÓ̉˚‰‡ÌÌ˚ı ·‡ÌÍÓ‚6. ÑÓÎfl ÛÒÚ‡‚Ì˚ı ÙÓ̉ӂ ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ı ·‡ÌÍÓ‚‚ ÒËÒÚÂÏ ·‡ÌÍÓ‚ ÒÓÒÚ‡‚Ë· 84,2 ÔÓˆÂÌÚ‡.

ëëÓÓ··ÒÒÚÚ‚‚ÂÂÌÌÌÌ˚̊ÈÈ Í͇‡ÔÔËËÚÚ‡‡ÎÎ ··‡‡ÌÌÍÍÓÓ‚‚ ‚˚ÓÒ Á‡ flÌ‚‡¸ — Ù‚‡Î¸2003 „. ̇ 270,6 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 22,3 ÔÓˆÂÌÚ‡ (‚ ‡θÌÓÏ‚˚‡ÊÂÌËË — ̇ 15,2 ÔÓˆÂÌÚ‡) Ë Ì‡ 1 χڇ 2003 „. ÒÓÒÚ‡‚ËÎ 1 483,4 ÏΉ Û·ÎÂÈ. èË ˝ÚÓÏ ÒÓ·ÒÚ‚ÂÌÌ˚È Í‡ÔËڇΠÛÔÓÎÌÓÏÓ-˜ÂÌÌ˚ı ·‡ÌÍÓ‚ Û‚Â΢ËÎÒfl ̇ 247,4 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 25,9ÔÓˆÂÌÚ‡ (‚ ‡θÌÓÏ ‚˚‡ÊÂÌËË — ̇ 18,5 ÔÓˆÂÌÚ‡). ÑÓÎflÒÓ·ÒÚ‚ÂÌÌÓ„Ó Í‡ÔËڇ· ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ı ·‡ÌÍÓ‚ ‚ ÒËÒÚÂÏ ·‡Ì-ÍÓ‚ ̇ 1 χڇ 2003 „. ÒÓÒÚ‡‚Ë· 81,1 ÔÓˆÂÌÚ‡, Û‚Â΢˂¯ËÒ¸ Ò̇˜‡Î‡ 2003 „Ó‰‡ ̇ 2,3 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡. ëÓ·ÒÚ‚ÂÌÌ˚È Í‡ÔË-ڇΠ·‡ÌÍÓ‚ ‚ ˝Í‚Ë‚‡ÎÂÌÚÂ Â‚Ó Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „.Û‚Â΢ËÎÒfl ̇ 88,6 ÏÎÌ Â‚Ó, ËÎË Ì‡ 14,6 ÔÓˆÂÌÚ‡, Ë Ì‡ 1 χ-Ú‡ 2003 „. ÒÓÒÚ‡‚ËÎ 697 ÏÎÌ Â‚Ó, ‚ ÚÓÏ ˜ËÒΠÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ı·‡ÌÍÓ‚ — ̇ 85,9 ÏÎÌ Â‚Ó (̇ 17,9 ÔÓˆÂÌÚ‡) Ë 565,2 ÏÎÌ Â‚ÓÒÓÓÚ‚ÂÚÒÚ‚ÂÌÌÓ.

22..22.. êêÂÂÒÒÛÛÒÒÌ̇‡flfl ··‡‡ÁÁ‡‡ ··‡‡ÌÌÍÍÓÓ‚‚.. êÂÒÛÒ˚ ·‡ÌÍÓ‚ (Ô‡ÒÒË‚˚) Á‡ flÌ-‚‡¸ — Ù‚‡Î¸ 2003 „. Û‚Â΢ËÎËÒ¸ ̇ 407,9 ÏΉ Û·ÎÂÈ, ËÎË̇ 6,5 ÔÓˆÂÌÚ‡, Ë Ì‡ 1 χڇ 2003 „. ÒÓÒÚ‡‚ËÎË 6 714,4 ÏΉ Û·-ÎÂÈ. Ç Â‡Î¸ÌÓÏ ‚˚‡ÊÂÌËË ÂÒÛÒ˚ ·‡ÌÍÓ‚ Û‚Â΢ËÎËÒ¸ ̇ 0,3ÔÓˆÂÌÚ‡. êÂÒÛÒ˚ ·‡ÌÍÓ‚ ‚˚ÓÒÎË Ì‡ 205,1 ÏΉ Û·ÎÂÈ Á‡ Ò˜ÂÚÒ‰ÒÚ‚ ÂÁˉÂÌÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ̇ 241 ÏΉ Û·ÎÂÈ— ‰Û„Ëı ËÒÚÓ˜ÌËÍÓ‚ ÙÓÏËÓ‚‡ÌËfl ÂÒÛÒÓ‚ ·‡ÌÍÓ‚7 ÔË ÒÌË-ÊÂÌËË Ì‡ 38,2 ÏΉ Û·ÎÂÈ Ò‰ÒÚ‚ ÌÂÂÁˉÂÌÚÓ‚ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸. ì‚Â΢ÂÌË Ò‰ÒÚ‚ ÂÁˉÂÌÚÓ‚ ÔÓËÁÓ¯ÎÓ Á‡ Ò˜ÂÚÓÒÚ‡ ̇ 195,1 ÏΉ Û·ÎÂÈ ‰ÂÔÓÁËÚÓ‚ ̇ÒÂÎÂÌËfl, ̇ 57,8 ÏΉ۷ÎÂÈ — ‰ÂÔÓÁËÚÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ Ë ·‡ÌÍÓ‚ ÔË ÒÌËÊÂ-ÌËË Ì‡ 9,7 ÏΉ Û·ÎÂÈ ‰ÂÔÓÁËÚÓ‚ 臂ËÚÂθÒÚ‚‡ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ Ë ÏÂÒÚÌ˚ı Ó„‡ÌÓ‚ ÛÔ‡‚ÎÂÌËfl Ë Ì‡ 38,3 ÏΉ Û·ÎÂÈ— ‰ÂÔÓÁËÚÓ‚ ÒÛ·˙ÂÍÚÓ‚ ıÓÁflÈÒÚ‚Ó‚‡ÌËfl.

ëÚÛÍÚÛ‡ ÂÒÛÒÓ‚ ·‡ÌÍÓ‚ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. ı‡-‡ÍÚÂËÁÓ‚‡Î‡Ò¸ ÒÎÂ‰Û˛˘ËÏË ÓÒÌÓ‚Ì˚ÏË ËÁÏÂÌÂÌËflÏË. ç‡ ‰Ó-

1 чΠ— éÒÌÓ‚Ì˚ ̇ԇ‚ÎÂÌËfl.2 á‰ÂÒ¸ Ë ‰‡Î ÒÛ·˙ÂÍÚ˚ ıÓÁflÈÒÚ‚Ó‚‡ÌËfl — ÍÓÏϘÂÒÍËÂ Ë ÌÂÍÓÏϘÂÒÍË ӄ‡ÌËÁ‡ˆËË, Ë̉˂ˉۇθÌ˚ Ô‰ÔËÌËχÚÂÎË.3 ë Û˜ÂÚÓÏ Ô·ÚÂÊÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚.4 ç‡ 1 flÌ‚‡fl 2003 „. — 28 ·‡ÌÍÓ‚ Ò 482 ÙËΡ·ÏË.5 чΠ— ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ ·‡ÌÍË.6 Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ì͇ÁÓÏ èÂÁˉÂÌÚ‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 13.01.2003 ‹ 17 “é ‚ÌÂÒÂÌËË ËÁÏÂÌÂÌËÈ ‚ ì͇Á èÂÁˉÂÌÚ‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ

31.01.2002 ‹ 65”.7 ŇÌÍÓ‚ÒÍËÈ Í‡ÔËÚ‡Î, ‚‡Î˛ÚÌ˚ ҘÂÚ‡ ÔÂÂÓˆÂÌÍË, ÏÂÊ·‡ÌÍÓ‚ÒÍËÂ Ë ÏÂÊÙËΡθÌ˚ ‡Ò˜ÂÚ˚, ÔӘˠԇÒÒË‚˚.

4 Банковский вестник, 11’2003

ОФИЦИАЛЬНО

β ÂÁˉÂÌÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 1 χڇ 2003 „. ÔËıÓ-‰ËÎÓÒ¸ 65,2 ÔÓˆÂÌÚ‡ ÂÒÛÒÌÓÈ ·‡Á˚ ·‡ÌÍÓ‚ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸. Ç Ô˂ΘÂÌÌ˚ı ·‡Ì͇ÏË Ò‰ÒÚ‚‡ı ̇ 2,4 ÔÓˆÂÌÚÌÓ„ÓÔÛÌÍÚ‡ ÔÓ‚˚ÒËÎÒfl Û‰ÂθÌ˚È ‚ÂÒ ·‡ÌÍÓ‚ÒÍÓ„Ó Í‡ÔËڇ·, ̇ 1,5ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ — Û‰ÂθÌ˚È ‚ÂÒ ‰ÂÔÓÁËÚÓ‚ ̇ÒÂÎÂÌËfl, ̇0,3 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ — Û‰ÂθÌ˚È ‚ÂÒ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ Ë·‡ÌÍÓ‚, ÒÌËÁË·Ҹ ̇ 2,3 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ ‰ÓÎfl ‰ÂÔÓÁËÚÓ‚ÒÛ·˙ÂÍÚÓ‚ ıÓÁflÈÒÚ‚Ó‚‡ÌËfl, ̇ 1,2 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ — ‰ÓÎflÌÂÂÁˉÂÌÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ̇ 0,6 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡— ‰ÓÎfl 臂ËÚÂθÒÚ‚‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë ÏÂÒÚÌ˚ı Ó„‡ÌÓ‚ÛÔ‡‚ÎÂÌËfl. Ç ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ı ·‡Ì͇ı ÒÓÒ‰ÓÚÓ˜ÂÌÓ 84,6 ÔÓ-ˆÂÌÚ‡ ÂÒÛÒÌÓÈ ·‡Á˚ ·‡ÌÍÓ‚.

Ç flÌ‚‡Â — Ù‚‡Î 2003 „. ÔÓËÁÓ¯ÎË ÌÂÍÓÚÓ˚ ËÁÏÂÌÂ-ÌËfl ‚ ÒÚÛÍÚÛ ‡ÍÚË‚Ó‚ ·‡ÌÍÓ‚. Ç ‡ÍÚË‚‡ı ·‡ÌÍÓ‚ ̇ 2,1 ÔÓ-ˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ ÔÓ‚˚ÒË·Ҹ ‰ÓÎfl Ò‰ÒÚ‚, ËÒÔÓθÁÓ‚‡ÌÌ˚ı ÌÂ-ÂÁˉÂÌÚ‡ÏË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ÔÓÌËÁËÎÒfl ̇ 1,5 ÔÓˆÂÌÚ-ÌÓ„Ó ÔÛÌÍÚ‡ Û‰ÂθÌ˚È ‚ÂÒ Ò‰ÒÚ‚, ‡ÁÏ¢ÂÌÌ˚ı ‚ 燈ËÓ̇θ-ÌÓÏ ·‡ÌÍÂ, ̇ 1,3 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ — Û‰ÂθÌ˚È ‚ÂÒ Í‰ËÚӂ‡θÌÓÏÛ ÒÂÍÚÓÛ ˝ÍÓÌÓÏËÍË, ̇ 0,2 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ —͉ËÚÓ‚ 臂ËÚÂθÒÚ‚Û êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë ÏÂÒÚÌ˚Ï Ó„‡-Ì‡Ï ÛÔ‡‚ÎÂÌËfl.

3. ÑÂÌÂÊÌÓ-͉ËÚÌ˚ ÔÓ͇Á‡ÚÂÎË33..11.. óóËËÒÒÚÚ˚̊ ËËÌÌÓÓÒÒÚÚ‡‡ÌÌÌÌ˚̊ ‡‡ÍÍÚÚËË‚‚˚̊ ··‡‡ÌÌÍÍÓÓ‚‚ÒÒÍÍÓÓÈÈ ÒÒËËÒÒÚÚÂÂÏÏ˚̊ Á‡ flÌ-

‚‡¸ — Ù‚‡Î¸ 2003 „. ÒÌËÁËÎËÒ¸ ̇ 12,3 ÏÎÌ ‰Óηӂ ëòÄ,ËÎË Ì‡ 2,9 ÔÓˆÂÌÚ‡, Ë Ì‡ 1 χڇ 2003 „. ÒÓÒÚ‡‚ËÎË 418,7 ÏÎ̉Óηӂ ëòÄ. àı ËÁÏÂÌÂÌË ÔÓËÁÓ¯ÎÓ Á‡ Ò˜ÂÚ Û‚Â΢ÂÌËfl ̇105,7 ÏÎÌ ‰Óηӂ ëòÄ ˜ËÒÚ˚ı ËÌÓÒÚ‡ÌÌ˚ı ‡ÍÚË‚Ó‚ ·‡ÌÍÓ‚ ËÒÌËÊÂÌËfl ̇ 118 ÏÎÌ ‰Óηӂ ëòÄ ˜ËÒÚ˚ı ËÌÓÒÚ‡ÌÌ˚ı ‡ÍÚË-‚Ó‚ Ó„‡ÌÓ‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓ„Ó Â„ÛÎËÓ‚‡ÌËfl.

êÓÒÚ ˜ËÒÚ˚ı ËÌÓÒÚ‡ÌÌ˚ı ‡ÍÚË‚Ó‚ ·‡ÌÍÓ‚ Á‡ flÌ‚‡¸ — Ù‚-‡Î¸ 2003 „. Ó·ÛÒÎÓ‚ÎÂÌ Û‚Â΢ÂÌËÂÏ ‚‡ÎÓ‚˚ı ËÌÓÒÚ‡ÌÌ˚ı ‡Í-ÚË‚Ó‚ ̇ 79,1 ÏÎÌ ‰Óηӂ ëòÄ, ËÎË Ì‡ 30 ÔÓˆÂÌÚÓ‚, ÔË ÒÌË-ÊÂÌËË ‚‡ÎÓ‚˚ı ËÌÓÒÚ‡ÌÌ˚ı Ô‡ÒÒË‚Ó‚ ̇ 26,6 ÏÎÌ ‰ÓηӂëòÄ, ËÎË Ì‡ 9,7 ÔÓˆÂÌÚ‡. óËÒÚ˚ ËÌÓÒÚ‡ÌÌ˚ ‡ÍÚË‚˚ ·‡ÌÍӂ̇ 1 χڇ 2003 „. ÒÓÒÚ‡‚ËÎË 96,1 ÏÎÌ ‰Óηӂ ëòÄ.

ìÏÂ̸¯ÂÌË ˜ËÒÚ˚ı ËÌÓÒÚ‡ÌÌ˚ı ‡ÍÚË‚Ó‚ Ó„‡ÌÓ‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓ„Ó Â„ÛÎËÓ‚‡ÌËfl Ó·ÛÒÎÓ‚ÎÂÌÓ ÒÌËÊÂÌËÂÏ ‚‡ÎÓ‚˚ıËÌÓÒÚ‡ÌÌ˚ı ‡ÍÚË‚Ó‚ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ̇ 134,1 ÏÎ̉Óηӂ ëòÄ, ËÎË Ì‡ 17,9 ÔÓˆÂÌÚ‡, Ë ‚‡ÎÓ‚˚ı ËÌÓÒÚ‡ÌÌ˚ıÔ‡ÒÒË‚Ó‚ ̇ 16,1 ÏÎÌ ‰Óηӂ ëòÄ, ËÎË Ì‡ 5,2 ÔÓˆÂÌÚ‡. óËÒ-Ú˚ ËÌÓÒÚ‡ÌÌ˚ ‡ÍÚË‚˚ Ó„‡ÌÓ‚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓ„Ó Â„ÛÎË-Ó‚‡ÌËfl ̇ 1 χڇ 2003 „. ÒÓÒÚ‡‚ËÎË 322,6 ÏÎÌ ‰Óηӂ ëòÄ.

33..22.. é‰ÌÓÈ ËÁ ‚‡ÊÌÂȯËı Á‡‰‡˜, ¯‡ÂÏ˚ı ‚ ıӉ ‚˚ÔÓÎÌÂ-ÌËfl éÒÌÓ‚Ì˚ı ̇ԇ‚ÎÂÌËÈ, fl‚ÎflÂÚÒfl ‚˚ÔÓÎÌÂÌË ԇ‡ÏÂÚÓ‚ÔÓ Í‰ËÚÓ‚‡Ì˲ 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ ‰ÂÙˈËÚ‡ ÂÒÔÛ·ÎË-͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡, Ô‰ÛÒÏÓÚÂÌÌ˚ı á‡ÍÓÌÓÏ êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸ “é ·˛‰ÊÂÚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 2003 „Ó‰”.

Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ëӄ·¯ÂÌËÂÏ, Á‡Íβ˜ÂÌÌ˚Ï ÏÂÊ‰Û ç‡-ˆËÓ̇θÌ˚Ï ·‡ÌÍÓÏ Ë åËÌËÒÚÂÒÚ‚ÓÏ ÙË̇ÌÒÓ‚ ÓÚ 27 flÌ‚‡fl2003 „. ‹ 40/Ñ “é ‚˚‰‡˜Â ˆÂ΂˚ı ͉ËÚÓ‚ ‰Îfl ÙË̇ÌÒËÓ‚‡-ÌËfl ‰ÂÙˈËÚ‡ ÂÒÔÛ·ÎË͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡ ‚ 2003 „Ó‰Û”, ‰Ó΄Ó-ÒÓ˜Ì˚ Í‰ËÚ˚ ÒÓ ÒÚÓÓÌ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ‚ flÌ‚‡Â —Ù‚‡Î 2003 „. ‰ÓÎÊÌ˚ ÒÓÒÚ‡‚ËÚ¸ 25,3 ÏΉ Û·ÎÂÈ, ‚ ÚÓÏ ˜ËÒ-Π23,3 ÏΉ Û·ÎÂÈ — ̇ ÙË̇ÌÒËÓ‚‡ÌË ÊËÎˢÌÓ„Ó ÒÚÓË-ÚÂθÒÚ‚‡ Ë 2 ÏΉ Û·ÎÂÈ — ̇ ÍÓÏÔÂÌÒ‡ˆË˛ ‚Í·‰Ó‚ ̇ÒÂÎÂ-ÌËfl Ë Û˜‡ÒÚË „ÓÒÛ‰‡ÒÚ‚‡ ‚ ÛÒÚ‡‚ÌÓÏ ÙÓ̉ ӄ‡ÌËÁ‡ˆËË, „‡-‡ÌÚËÛ˛˘ÂÈ ‚Í·‰˚ ̇ÒÂÎÂÌËfl.

Ç flÌ‚‡Â — Ù‚‡Î 2003 „. ·ÂÒÔÓˆÂÌÚÌ˚ Í‰ËÚ˚ 燈Ë-Ó̇θÌÓ„Ó ·‡Ì͇ ̇ ÙË̇ÌÒËÓ‚‡ÌË ‰ÂÙˈËÚ‡ ÂÒÔÛ·ÎË͇Ì-ÒÍÓ„Ó ·˛‰ÊÂÚ‡ ÒÓÒÚ‡‚ËÎË 21,6 ÏΉ Û·ÎÂÈ Ë Ì‡Ô‡‚ÎÂÌ˚ ̇ÊËÎˢÌÓ ÒÚÓËÚÂθÒÚ‚Ó. ä‰ËÚ˚ ̇ ÍÓÏÔÂÌÒ‡ˆË˛ ‚Í·‰Ó‚̇ÒÂÎÂÌËfl ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. Ì ‚˚‰‡‚‡ÎËÒ¸ ‚ Ò‚flÁË Ò̇΢ËÂÏ ÓÒÚ‡Ú͇ Ò‰ÒÚ‚ ‚ ÒÔˆˇθÌÓÏ „ÓÒÛ‰‡ÒÚ‚ÂÌÌÓÏÙÓ̉ ÍÓÏÔÂÌÒ‡ˆËË Ò·ÂÂÊÂÌËÈ Ì‡ÒÂÎÂÌËfl ‚ ÄëÅ “Å·ÛÒ-·‡ÌÍ” ̇ 1 χڇ 2003 „. ‚ ‡ÁÏ 6,1 ÏΉ Û·ÎÂÈ. ä‰ËÚ˚ ̇ۘ‡ÒÚË „ÓÒÛ‰‡ÒÚ‚‡ ‚ ÛÒÚ‡‚ÌÓÏ ÙÓ̉ ӄ‡ÌËÁ‡ˆËË, „‡‡ÌÚËÛ-˛˘ÂÈ ‚Í·‰˚ ̇ÒÂÎÂÌËfl, Ì ·˚ÎË ‚˚‰ÂÎÂÌ˚, Ú‡Í Í‡Í ‰‡Ì̇flÍÓÔÓ‡ˆËfl ¢ Ì ÒÓÁ‰‡Ì‡.

àÒÚÓ˜ÌËÍË ÙË̇ÌÒËÓ‚‡ÌËfl, ÔÓÎÛ˜‡ÂÏ˚ ÓÚ ·‡ÌÍÓ‚ Ë ËÌ˚ı˛Ë‰Ë˜ÂÒÍËı Ë ÙËÁ˘ÂÒÍËı Îˈ ̇ ÔÓÍ˚ÚË ‰ÂÙˈËÚ‡ ÂÒÔÛ·-ÎË͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡ Á‡ Ò˜ÂÚ ‡ÁÏ¢ÂÌËfl „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı Ó·-ÎË„‡ˆËÈ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò á‡ÍÓÌÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ “é ·˛-‰ÊÂÚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 2003 „Ó‰”, ÓÔ‰ÂÎÂÌ˚ ‚ ÒÛÏÏÂ100 ÏΉ Û·ÎÂÈ (̇ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. — 16,7 ÏΉ Û·-ÎÂÈ).

î‡ÍÚ˘ÂÒÍË ·‡ÌÍË Ë ËÌ˚ ˛Ë‰Ë˜ÂÒÍË Îˈ‡ ‚ flÌ‚‡Â — ÙÂ-‚‡Î 2003 „. ÔÓÙË̇ÌÒËÓ‚‡ÎË ‰ÂÙˈËÚ ÂÒÔÛ·ÎË͇ÌÒÍÓ„Ó·˛‰ÊÂÚ‡ ÔÓÒ‰ÒÚ‚ÓÏ ÔÓÍÛÔÍË „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı Ó·ÎË„‡ˆËÈ ‚·ÂÎÓÛÒÒÍËı Û·Îflı ̇ ÒÛÏÏÛ 11,7 ÏΉ Û·ÎÂÈ Ë „ÓÒÛ‰‡ÒÚ‚ÂÌ-Ì˚ı Ó·ÎË„‡ˆËÈ, ÌÓÏËÌËÓ‚‡ÌÌ˚ı ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ, — ̇ÒÛÏÏÛ 25,1 ÏΉ Û·ÎÂÈ. í‡ÍËÏ Ó·‡ÁÓÏ, Ó·˘Â ÙË̇ÌÒËÓ‚‡ÌˉÂÙˈËÚ‡ ÂÒÔÛ·ÎË͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡ Á‡ Ò˜ÂÚ ˝ÏËÒÒËË „ÓÒÛ‰‡-ÒÚ‚ÂÌÌ˚ı Ó·ÎË„‡ˆËÈ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. ÒÓÒÚ‡‚ËÎÓ 36,8ÏΉ Û·ÎÂÈ.

33..33.. ᇠflÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ‚‚‡‡ÎÎÓÓ‚‚˚̊ Í͉‰ËËÚÚ˚̊ ··‡‡ÌÌÍÍÓÓ‚‚˝̋ÍÍÓÓÌÌÓÓÏÏËËÍÍ ۂÂ΢ËÎËÒ¸ ̇ 180,5 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 4,4 ÔÓ-ˆÂÌÚ‡1. ä‰ËÚ˚ ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı ‚˚ÓÒÎË Ì‡ 89,2 ÏΉ۷ÎÂÈ, ËÎË Ì‡ 4,6 ÔÓˆÂÌÚ‡, Ë ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú — ̇ 16,8ÏÎÌ ‰Óηӂ ëòÄ, ËÎË Ì‡ 1,5 ÔÓˆÂÌÚ‡.

Ç flÌ‚‡Â — Ù‚‡Î 2003 „. ·‡Ì͇ÏË ‚˚‰‡ÌÓ Í‰ËÚÓ‚ Á‡Ò˜ÂÚ ÒÓ·ÒÚ‚ÂÌÌ˚ı Ë Ô˂ΘÂÌÌ˚ı ÂÒÛÒÓ‚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò¯ÂÌËflÏË èÂÁˉÂÌÚ‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë ÔÓÒÚ‡ÌÓ‚ÎÂÌËfl-ÏË ëÓ‚ÂÚ‡ åËÌËÒÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ ·ÂÎÓÛÒÒÍËı Û·-Îflı ̇ ÒÛÏÏÛ 203,9 ÏΉ Û·ÎÂÈ, ‚ ÚÓÏ ˜ËÒΠ̇ ÔÓ„‡¯ÂÌË Á‡-‰ÓÎÊÂÌÌÓÒÚË ÔÓ ‚˚Ô·Ú Á‡‡·ÓÚÌÓÈ Ô·Ú˚ — ̇ ÒÛÏÏÛ 199ÏΉ Û·ÎÂÈ, ‰Îfl ͉ËÚÓ‚‡ÌËfl ‡„ÓÔÓÏ˚¯ÎÂÌÌÓ„Ó ÍÓÏÔÎÂÍÒ‡— ̇ ÒÛÏÏÛ 3,9 ÏΉ Û·ÎÂÈ, ‰Îfl ͉ËÚÓ‚‡ÌËfl ÔÓ˜Ëı ÏÂÓÔË-flÚËÈ — ̇ ÒÛÏÏÛ 1 ÏΉ Û·ÎÂÈ. äÓÏ ÚÓ„Ó, ‚ flÌ‚‡Â — Ù‚‡-Π2003 „. ·‡Ì͇ÏË ‚˚‰‡ÌÓ Í‰ËÚÓ‚ ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú ̇ÒÛÏÏÛ 5,4 ÏÎÌ ‰Óηӂ ëòÄ.

33..44.. êêÛÛ··Î΂‚‡‡flfl ‰‰ÂÂÌÌÂÂÊÊÌ̇‡flfl Ïχ‡ÒÒÒÒ‡‡ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „.‚˚ÓÒ· ̇ 93,2 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 4,7 ÔÓˆÂÌÚ‡ (2,3 ÔÓˆÂÌÚ‡‚ Ò‰ÌÂÏ Á‡ ÏÂÒflˆ ÔË ÛÓ‚Ì ËÌÙÎflˆËË 3,1 ÔÓˆÂÌÚ‡ ‚ Ò‰-ÌÂÏ Á‡ ÏÂÒflˆ), Ë Ì‡ 1 χڇ 2003 „. ÒÓÒÚ‡‚Ë· 2 086,1 ÏΉ Û·-ÎÂÈ.

Ç flÌ‚‡Â — Ù‚‡Î 2003 „. ÔË ÒÓ͇˘ÂÌËË Ô‚ӉÌ˚ı‰ÂÔÓÁËÚÓ‚ ̇ 55,1 ÏΉ Û·ÎÂÈ (̇ 9,1 ÔÓˆÂÌÚ‡) ̇·Î˛‰‡ÎÒflÓÒÚ ÒÎÂ‰Û˛˘Ëı ‡„„‡ÚÓ‚ ۷΂ÓÈ ‰ÂÌÂÊÌÓÈ Ï‡ÒÒ˚: ̇΢Ì˚ı‰ÂÌ„ ‚ Ó·ÓÓÚ — ̇ 12,3 ÏΉ Û·ÎÂÈ (̇ 1,9 ÔÓˆÂÌÚ‡), ÒÓ˜-Ì˚ı ‰ÂÔÓÁËÚÓ‚ — ̇ 134,1 ÏΉ Û·ÎÂÈ (̇ 20,8 ÔÓˆÂÌÚ‡), ˆÂÌ-Ì˚ı ·Ûχ„, ‚˚ÔÛ˘ÂÌÌ˚ı ·‡Ì͇ÏË2, — ̇ 2 ÏΉ Û·ÎÂÈ (̇ 2,2ÔÓˆÂÌÚ‡).

ëÓ˜Ì˚ ۷΂˚ ‰ÂÔÓÁËÚ˚ ̇ÒÂÎÂÌËfl ‚ flÌ‚‡Â — Ù‚‡-Π2003 „. ‚˚ÓÒÎË Ì‡ 119,9 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 22,4 ÔÓˆÂÌÚ‡(‚ ‡θÌÓÏ ‚˚‡ÊÂÌËË — ̇ 15,3 ÔÓˆÂÌÚ‡).

ᇠflÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ‰ÂÔÓÁËÚ˚ ÒÛ·˙ÂÍÚÓ‚ ıÓÁflÈÒÚ-‚Ó‚‡ÌËfl ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı ÒÓ͇ÚËÎËÒ¸ ̇ 64,4 ÏΉ Û·ÎÂÈ,ËÎË Ì‡ 11,3 ÔÓˆÂÌÚ‡.

ᇠflÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ‰ÓÎfl ۷΂ÓÈ ‰ÂÌÂÊÌÓÈ Ï‡Ò-Ò˚ ‚ Ó·˘ÂÏ Ó·˙ÂÏ ¯ËÓÍÓÈ ‰ÂÌÂÊÌÓÈ Ï‡ÒÒ˚ ‚˚ÓÒ· ̇ 0,2ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ Ë Ì‡ 1 χڇ 2003 „. ÒÓÒÚ‡‚Ë· 51 ÔÓˆÂÌÚ.ÑÓÎfl ÒÓ˜Ì˚ı ‰ÂÔÓÁËÚÓ‚ ‚ Ó·˘ÂÏ Ó·˙ÂÏ ۷΂ÓÈ ‰ÂÌÂÊÌÓÈχÒÒ˚ Û‚Â΢Ë·Ҹ ̇ 5 ÔÓˆÂÌÚÌ˚ı ÔÛÌÍÚÓ‚ ÔË ÒÌËÊÂÌËË ‰Ó-ÎË Ì‡Î˘Ì˚ı ‰ÂÌ„ ‚ Ó·ÓÓÚÂ, Ô‚ӉÌ˚ı ‰ÂÔÓÁËÚÓ‚ Ë ˆÂÌÌ˚ı·Ûχ„ ̇ 0,9, 4 Ë 0,1 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ ÒÓÓÚ‚ÂÚÒÚ‚ÂÌÌÓ.

àÌ‚‡Î˛Ú̇fl ÒÓÒÚ‡‚Îfl˛˘‡fl ¯ËÓÍÓÈ ‰ÂÌÂÊÌÓÈ Ï‡ÒÒ˚ ‚ Û·-΂ÓÏ ˝Í‚Ë‚‡ÎÂÌÚ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. Û‚Â΢Ë·Ҹ ̇77,7 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 4 ÔÓˆÂÌÚ‡, ‚ ‰ÓηӂÓÏ ˝Í‚Ë‚‡ÎÂÌ-Ú — ̇ 12,9 ÏÎÌ ‰Óηӂ ëòÄ, ËÎË Ì‡ 1,3 ÔÓˆÂÌÚ‡.

òËÓ͇fl ‰ÂÌÂÊ̇fl χÒÒ‡ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. Û‚Â-΢Ë·Ҹ ̇ 170,9 ÏΉ Û·ÎÂÈ, ËÎË Ì‡ 4,4 ÔÓˆÂÌÚ‡, Ë ÒÓÒÚ‡‚Ë-· 4 097,5 ÏΉ Û·ÎÂÈ.

4. àÌÒÚÛÏÂÌÚ˚ ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÔÓÎËÚËÍË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸44..11.. Ç flÌ‚‡Â — Ù‚‡Î 2003 „. ÔÓˆÂÌÚ̇fl ÔÓÎËÚË͇ 燈Ë-

Ó̇θÌÓ„Ó ·‡Ì͇ ·˚· ÓËÂÌÚËÓ‚‡Ì‡ ̇ ÔÓ‰‰ÂʇÌË ÔÓÎÓÊË-

1 Ç ·ÂÎÓÛÒÒÍËı Û·Îflı Ë ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ.2 Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò è‡‚Ë·ÏË ‡Ò˜ÂÚ‡ ¯ËÓÍÓÈ ‰ÂÌÂÊÌÓÈ Ï‡ÒÒ˚, ÛÚ‚ÂʉÂÌÌ˚ÏË ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ è‡‚ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË ÅÂ-

·ÛÒ¸ ÓÚ 27.12.2001 ‹ 325.

5Банковский вестник, 11’2003

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ÚÂθÌ˚ı Á̇˜ÂÌËÈ Â‡Î¸Ì˚ı ÔÓˆÂÌÚÌ˚ı ÒÚ‡‚ÓÍ Ì‡ ‰ÂÔÓÁËÚÌÓ-͉ËÚÌÓÏ ˚ÌÍÂ Ë Û‚Â΢ÂÌË ‰ÓÒÚÛÔÌÓÒÚË Í‰ËÚÓ‚ ·‡ÌÍÓ‚‰Îfl Ô‰ÔËflÚËÈ Â‡Î¸ÌÓ„Ó ÒÂÍÚÓ‡ ˝ÍÓÌÓÏËÍË.

ŇÁÓ‚‡fl ÒÚ‡‚͇ ÂÙË̇ÌÒËÓ‚‡ÌËfl ‚ flÌ‚‡Â — Ù‚‡ÎÂ2003 „. Ì ËÁÏÂÌfl·Ҹ Ë ÓÒÚ‡‚‡Î‡Ò¸ ̇ ÛÓ‚Ì 38 ÔÓˆÂÌÚÓ‚ „Ó-‰Ó‚˚ı. Ç Â‡Î¸ÌÓÏ ‚˚‡ÊÂÌËË1  ‚Â΢Ë̇ ÒÓÒÚ‡‚Ë· -1,1 ÔÓ-ˆÂÌÚ‡ ‚ ÏÂÒflˆ ‚ flÌ‚‡Â 2003 „. Ë 1,2 ÔÓˆÂÌÚ‡ ‚ ÏÂÒflˆ ‚ Ù‚‡-Π2003 „. Ç Ò‰ÌÂÏ Á‡ flÌ‚‡¸ — Ù‚‡Î¸ 2003 „. ‡θÌÓ Á̇-˜ÂÌË ÒÚ‡‚ÍË ÂÙË̇ÌÒËÓ‚‡ÌËfl ÒÎÓÊËÎÓÒ¸ ̇ ÛÓ‚Ì 0,1 ÔÓ-ˆÂÌÚ‡ ‚ ÏÂÒflˆ.

ëÍ·‰˚‚‡˛˘‡flÒfl ˝ÍÓÌÓÏ˘ÂÒ͇fl ÒËÚÛ‡ˆËfl Ë ÔÓˆÂÌÚ̇flÔÓÎËÚË͇ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „.ËÌˈËËÓ‚‡ÎË ÒÌËÊÂÌË ÔÓˆÂÌÚÌ˚ı ÒÚ‡‚ÓÍ Ì‡ ‰ÂÔÓÁËÚÌÓ-ÍÂ-‰ËÚÌÓÏ ˚ÌÍÂ.

44..11..11.. ëëÚÚ‡‡‚‚ÍÍËË ‰‰ÂÂÔÔÓÓÁÁËËÚÚÌÌÓÓ„„ÓÓ ˚̊ÌÌÍ͇‡.. èÓˆÂÌÚ̇fl ÒÚ‡‚͇ ÔÓ ÌÓ-‚˚Ï ÒÓ˜Ì˚Ï ‰ÂÔÓÁËÚ‡Ï ‚ ̇ˆËÓ̇θÌÓÈ ‚‡Î˛Ú ‚ Ù‚‡Î 2003 „. ÒÎÓÊË·Ҹ ̇ ÛÓ‚Ì 36,3 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı, ÒÌËÁË‚¯ËҸ̇ 0,4 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ ÔÓ Ò‡‚ÌÂÌ˲ Ò flÌ‚‡ÂÏ 2003 „. ÑÓ-ıÓ‰ÌÓÒÚ¸ ÔÓ ‚ÌÓ‚¸ Ô˂ΘÂÌÌ˚Ï ÒÓ˜Ì˚Ï Û·Î‚˚Ï ‰ÂÔÓÁËÚ‡Ï̇ÒÂÎÂÌËfl ‚ Ù‚‡Î 2003 „. ÒÓÒÚ‡‚Ë· 38,9 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ıÔÓÚË‚ 39,4 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ flÌ‚‡Â 2003 „. èÓˆÂÌÚ̇flÒÚ‡‚͇ ÔÓ ‚ÒÂÏ ÒÓ˜Ì˚Ï Û·Î‚˚Ï ‰ÂÔÓÁËÚ‡Ï Ì‡ÒÂÎÂÌËfl ‚ Ù‚-‡Î 2003 „. ÒÓÒÚ‡‚Ë· 38,3 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ÔÓÚË‚ 38,7 ÔÓ-ˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ flÌ‚‡Â 2003 „.

èÓ ÌÓ‚˚Ï ÒÓ˜Ì˚Ï ‰ÂÔÓÁËÚ‡Ï ‚ ëäÇ ÔÓˆÂÌÚ̇fl ÒÚ‡‚͇ ‚Ù‚‡Î 2003 „. ÒÓÒÚ‡‚Ë· 6,5 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı, ÒÌËÁË‚¯ËÒ¸ ÔÓÒ‡‚ÌÂÌ˲ Ò flÌ‚‡ÂÏ 2003 „. ̇ 0,8 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡. ÑÓıÓ‰-ÌÓÒÚ¸ ÌÓ‚˚ı ÒÓ˜Ì˚ı ‰ÂÔÓÁËÚÓ‚ ‚ ëäÇ Ì‡ÒÂÎÂÌËfl ‚ Ù‚‡ÎÂ2003 „. ÒÎÓÊË·Ҹ ̇ ÛÓ‚Ì ̇ 6,7 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ÔÓÚË‚ 7,3ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ flÌ‚‡Â 2003 „.

èÓ ‚ÒÂÏ ÒÓ˜Ì˚Ï ‰ÂÔÓÁËÚ‡Ï ‚ ëäÇ ÔÓˆÂÌÚ̇fl ÒÚ‡‚͇ ‚ ÙÂ-‚‡Î 2003 „. ÒÓÒÚ‡‚Ë· 8 ÔÓˆÂÌÚÓ‚, ÒÌËÁË‚¯ËÒ¸ ÔÓ Ò‡‚ÌÂÌË˛Ò flÌ‚‡ÂÏ 2003 „. ̇ 0,1 ÔÓˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡.

LJβÚ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ‚ÒÂı ÒÓ˜Ì˚ı ‰ÂÔÓÁËÚÓ‚ ̇ÒÂÎÂÌËfl ‚̇ˆËÓ̇θÌÓÈ ‚‡Î˛Ú ‚ Ù‚‡Î 2003 „. ÒÓÒÚ‡‚Ë· 1,8 ÔÓˆÂÌÚ‡ÔÓÚË‚ 2,1 ÔÓˆÂÌÚ‡ ‚ flÌ‚‡Â 2003 „.

44..11..22.. ëëÚÚ‡‡‚‚ÍÍËË Í͉‰ËËÚÚÌÌÓÓ„„ÓÓ ˚̊ÌÌÍ͇‡.. ë‰Ìflfl ÔÓˆÂÌÚ̇fl ÒÚ‡‚͇ÔÓ ÌÓ‚˚Ï Í‰ËÚ‡Ï ·‡ÌÍÓ‚2 ‚ ̇ˆËÓ̇θÌÓÈ ‚‡Î˛Ú ‚ Ù‚‡ÎÂ2003 „. ÒÓÒÚ‡‚Ë· 45,6 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı, ÒÌËÁË‚¯ËÒ¸ ̇ 1,4 ÔÓ-ˆÂÌÚÌÓ„Ó ÔÛÌÍÚ‡ ÔÓ Ò‡‚ÌÂÌ˲ Ò flÌ‚‡ÂÏ 2003 „. ë‰Ìflfl ÔÓ-ˆÂÌÚ̇fl ÒÚ‡‚͇ ÔÓ ÌÓ‚˚Ï Û·Î‚˚Ï Í‰ËÚ‡Ï2 ‡θÌÓÏÛ ÒÂÍÚÓ-Û ˝ÍÓÌÓÏËÍË ‚ Ù‚‡Î 2003 „. ÒÎÓÊË·Ҹ ̇ ÛÓ‚Ì 46,9 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ÔÓÚË‚ 48,1 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ flÌ‚‡Â2003 „.

ë‰Ìflfl ÔÓˆÂÌÚ̇fl ÒÚ‡‚͇ ÔÓ ÌÓ‚˚Ï Í‰ËÚ‡Ï ·‡ÌÍÓ‚ ‚ëäÇ2 ÒÌËÁË·Ҹ Ò 13,7 ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ flÌ‚‡Â 2003 „. ‰Ó 13,5ÔÓˆÂÌÚ‡ „Ó‰Ó‚˚ı ‚ Ù‚‡Î 2003 „.

44..22.. êꇇÁÁ‚‚ËËÚÚËË ˚̊ÌÌÍ͇‡ ˆ̂ÂÂÌÌÌÌ˚̊ıı ··ÛÛÏχ‡„„.. ç‡ Ô‚˘ÌÓÏ ˚ÌÍ ˆÂÌ-Ì˚ı ·Ûχ„ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. ‡ÁÏ¢ÂÌÓ „ÓÒÛ‰‡ÒÚ‚ÂÌ-Ì˚ı Ó·ÎË„‡ˆËÈ ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı (Éäé Ë ÉÑé) ÔÓ Ù‡ÍÚ˘ÂÒ-ÍÓÈ ÒÚÓËÏÓÒÚË Ì‡ ÒÛÏÏÛ 64,4 ÏΉ Û·ÎÂÈ, ‚ ÚÓÏ ˜ËÒΠ„ÓÒÛ‰‡-ÒÚ‚ÂÌÌ˚ı ͇ÚÍÓÒÓ˜Ì˚ı Ó·ÎË„‡ˆËÈ (Éäé) — ̇ ÒÛÏÏÛ 63,4 ÏΉ۷ÎÂÈ, „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı ‰Ó΄ÓÒÓ˜Ì˚ı Ó·ÎË„‡ˆËÈ (ÉÑé) — ̇ÒÛÏÏÛ 1 ÏΉ Û·ÎÂÈ. äÓÏ ÚÓ„Ó, ‚ flÌ‚‡Â 2003 „. åËÌËÒÚÂÒÚ-‚Ó ÙË̇ÌÒÓ‚ ‡ÁÏÂÒÚËÎÓ „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ ӷÎË„‡ˆËË, ÌÓÏËÌË-Ó‚‡ÌÌ˚ ‚ ëäÇ (ÇÉÑé), ̇ ÒÛÏÏÛ 15 ÏÎÌ Â‚Ó.

Ç flÌ‚‡Â — Ù‚‡Î 2003 „. åËÌËÒÚÂÒÚ‚ÓÏ ÙË̇ÌÒÓ‚ ÔÓ-ËÁ‚‰ÂÌÓ ÔÓ„‡¯ÂÌË Éäé Ë ÉÑé ÔÓ Ù‡ÍÚ˘ÂÒÍÓÈ ÒÚÓËÏÓÒÚË Ì‡ÒÛÏÏÛ 52,8 ÏΉ Û·ÎÂÈ, ÇÉÑé — ̇ ÒÛÏÏÛ 3 ÏÎÌ Â‚Ó.

Ç ÂÁÛθڇÚ ̇ 01.03.2003 ÙË̇ÌÒËÓ‚‡ÌË ‰ÂÙˈËÚ‡ ÂÒ-ÔÛ·ÎË͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡ Á‡ Ò˜ÂÚ ˝ÏËÒÒËË „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı Ó·ÎË-„‡ˆËÈ ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı ÒÓÒÚ‡‚ËÎÓ 11,6 ÏΉ Û·ÎÂÈ Ë ÇÉÑé— 12 ÏÎÌ Â‚Ó. 鷢 ÙË̇ÌÒËÓ‚‡ÌË ‰ÂÙˈËÚ‡ ÂÒÔÛ·ÎË͇Ì-ÒÍÓ„Ó ·˛‰ÊÂÚ‡ Á‡ Ò˜ÂÚ ˝ÏËÒÒËË „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı Ó·ÎË„‡ˆËÈ ‚flÌ‚‡Â — Ù‚‡Î 2003 „. ÒÓÒÚ‡‚ËÎÓ 36,8 ÏΉ Û·ÎÂÈ.

é·˙ÂÏ Ì‡ıÓ‰fl˘ËıÒfl ‚ Ó·‡˘ÂÌËË Ì‡ 01.03.2003 Éäé Ë ÉÑéÛ‚Â΢ËÎÒfl Ò Ì‡˜‡Î‡ 2003 „Ó‰‡ ̇ 14,4 ÏΉ Û·ÎÂÈ Ë ÒÓÒÚ‡‚ËÎ324,8 ÏΉ Û·ÎÂÈ ÔÓ ÌÓÏË̇ÎÛ, ‚ ÚÓÏ ˜ËÒΠÉäé — ̇ ÒÛÏÏÛ291,4 ÏΉ Û·ÎÂÈ, ÉÑé — ̇ ÒÛÏÏÛ 33,4 ÏΉ Û·ÎÂÈ. é·˙ÂÏ̇ıÓ‰fl˘ËıÒfl ‚ Ó·‡˘ÂÌËË Ì‡ 01.03.2003 ÇÉÑé ÒÓÒÚ‡‚ËÎ 79,4 ÏÎ̉Óηӂ ëòÄ Ë 12 ÏÎÌ Â‚Ó.

ç‡ 01.03.2003 ÒÂ‰Ë ‚·‰ÂθˆÂ‚ Éäé Ë ÉÑé 26,7 ÔÓˆÂÌÚ‡ÒÓÒÚ‡‚Îfl˛Ú ˛Ë‰Ë˜ÂÒÍË Îˈ‡, 72,7 ÔÓˆÂÌÚ‡ — ·‡ÌÍË, 0,6 ÔÓ-ˆÂÌÚ‡ — ÌÂÂÁˉÂÌÚ˚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, 燈ËÓ̇θÌ˚È·‡ÌÍ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ Ò‚ÓÂÏ ÔÓÚÙÂΠÉäé Ë ÉÑé Ì ËÏÂ-ÂÚ (̇ 01.01.2003 — 24 ÔÓˆÂÌÚ‡; 75,5; 0,5 Ë 0 ÔÓˆÂÌÚ‡ ÒÓÓÚ‚ÂÚ-ÒÚ‚ÂÌÌÓ).

í‡ÍËÏ Ó·‡ÁÓÏ, ÓÒÌÓ‚Ì˚ÏË ËÚÓ„‡ÏË ‰ÂÌÂÊÌÓ-͉ËÚÌÓÈ ÔÓ-ÎËÚËÍË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ flÌ‚‡Â — Ù‚‡Î 2003 „. fl‚Ë-ÎÓÒ¸ Ó·ÂÒÔ˜ÂÌË Ô·‚ÌÓÈ, Ô‰Ò͇ÁÛÂÏÓÈ ‰Ë̇ÏËÍË Ó·ÏÂÌÌÓ„ÓÍÛÒ‡ ·ÂÎÓÛÒÒÍÓ„Ó Û·Îfl, ‡Á‚ËÚËÂ Ë ÛÍÂÔÎÂÌË ·‡ÌÍÓ‚ÒÍÓÈÒËÒÚÂÏ˚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ÙË̇ÌÒËÓ‚‡ÌË ‰ÂÙˈËÚ‡ ÂÒ-ÔÛ·ÎË͇ÌÒÍÓ„Ó ·˛‰ÊÂÚ‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò á‡ÍÓÌÓÏ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ “é ·˛‰ÊÂÚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 2003 „Ó‰”, ÍÂ-‰ËÚ̇fl ÔÓ‰‰ÂÊ͇ ·‡Ì͇ÏË Â‡Î¸ÌÓ„Ó ÒÂÍÚÓ‡ ˝ÍÓÌÓÏËÍË.

1 ë ÍÓÂÍÚËÓ‚ÍÓÈ Ì‡ ÛÓ‚Â̸ ËÌÙÎflˆËË.2 ë Û˜ÂÚÓÏ Í‰ËÚÓ‚, ‚˚‰‡ÌÌ˚ı Á‡ Ò˜ÂÚ ÂÒÛÒÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ Ë è‡‚ËÚÂθÒÚ‚‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

éÚ‰ÂÎ ÏÓÌÂÚ‡ÌÓ„Ó ‡Ì‡ÎËÁ‡ Ë ÔÓ„ÌÓÁËÓ‚‡ÌËfl ÑÂÔ‡Ú‡ÏÂÌÚ‡ ÏÓÌÂÚ‡ÌÓÈ ÔÓÎËÚËÍË Ë ˝ÍÓÌÓÏ˘ÂÒÍÓ„Ó ‡Ì‡ÎËÁ‡ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

6 Банковский вестник, 11’2003

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낉ÂÌËfl Ó ·‡Ì͇ı, Á‡Â„ËÒÚËÓ‚‡ÌÌ˚ı ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, Ëı ÙËΡ·ı

Ë Ô‰ÒÚ‡‚ËÚÂθÒÚ‚‡ı ËÌÓÒÚ‡ÌÌ˚ı ·‡ÌÍÓ‚ ̇ 1 ‡ÔÂÎfl 2003 „.

ç‡ËÏÂÌÓ‚‡ÌË ·‡Ì͇ ê„ËÒÚ‡ˆË- чڇ äÓÎ-‚Ó Ä‰ÂÒÓÌÌ˚È ÌÓÏ „ËÒÚ‡ˆËË ÙËΡÎÓ‚

1. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 20 03.09.1991 132 220073, „. åËÌÒÍ,“Å·„ÓÔÓÏ·‡ÌÍ” ÛÎ. éθ¯Â‚ÒÍÓ„Ó, 24

2. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 25 28.12.1991 56 220071, „. åËÌÒÍ, “ÅÂÎÔÓÏÒÚÓÈ·‡ÌÍ” ·. ãÛ̇˜‡ÒÍÓ„Ó, 6

3. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 56 27.10.1995 154 220050, „. åËÌÒÍ, “ë·Â„‡ÚÂθÌ˚È ·‡ÌÍ “Å·ÛÒ·‡ÌÍ” ÛÎ. åflÒÌËÍÓ‚‡, 32

4. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000028 03.09.2001 53 220002, „. åËÌÒÍ, “ÅÂÎÓÛÒÒÍËÈ ·‡ÌÍ ‡Á‚ËÚËfl Ë ÛÎ. LJ‚‡¯ÂÌË, 81ÂÍÓÌÒÚÛ͈ËË “ÅÂÎËÌ‚ÂÒÚ·‡ÌÍ”

5. “èËÓ·‡ÌÍ” éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ 12 12.07.1991 20 220002, „. åËÌÒÍ, Ó·˘ÂÒÚ‚Ó ÛÎ. Ç.ïÓÛÊÂÈ, 31‡

6. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 24 12.12.1991 28 220050, „. åËÌÒÍ, “ÅÂ΂̯˝ÍÓÌÓÏ·‡ÌÍ” ÛÎ. åflÒÌËÍÓ‚‡, 32

7. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 5 15.05.1991 2 220090, „. åËÌÒÍ, “ŇÌÍ “èÓËÒÍ” ÛÎ. ɇχÌË͇, 9/4

8. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 27 16.04.1992 - 220004, „. åËÌÒÍ, “ÅÂÎÓÛÒÒÍËÈ Ì‡Ó‰Ì˚È ·‡ÌÍ” ÛÎ. å.í‡Ì͇, 1‡

9. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 23 30.10.1991 5 220126, „. åËÌÒÍ, “ÅÂÎÓÛÒÒÍËÈ à̉ÛÒÚˇθÌ˚È Å‡ÌÍ” ÛÎ. åÂθÌË͇ÈÚÂ, 8

10. ëÓ‚ÏÂÒÚÌÓ ·ÂÎÓÛÒÒÍÓ-ÓÒÒËÈ- 16 19.08.1991 7 220121, „. åËÌÒÍ, ÒÍÓ ÓÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó ÛÎ. èËÚ˚ˆÍÓ„Ó, 60/2“ÅÂ΄‡ÁÔÓÏ·‡ÌÍ”

11. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 34 29.12.1993 2 220023, „. åËÌÒÍ, “Ä·ÒÓβڷ‡ÌÍ” ÔÓÒÔ. î.ëÍÓËÌ˚, 95

12. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 18 26.08.1991 - 220012, „. åËÌÒÍ, “ÑÊÂÏ-ŇÌÍ” ÛÎ. ëÛ„‡ÌÓ‚‡, 28

13. “Ä͈ËÓÌÂÌ˚È ÍÓÏϘÂÒÍËÈ ·‡ÌÍ 36 21.02.1994 - 220050, „. åËÌÒÍ, “åËÌÒÍäÓÏÔÎÂÍÒŇÌÍ” á‡Í˚ÚÓ ÛÎ. åflÒÌËÍÓ‚‡, 40‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó

14. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 37 22.02.1994 2 220037, „. åËÌÒÍ, “Ä͈ËÓÌÂÌ˚È ·‡ÌÍ ÂÍÓÌ‚ÂÒËË Ë ÔÓÒÔ. 凯ÂÓ‚‡, 23, ÍÓÔ. 1‡Á‚ËÚËfl”

15. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 38 14.03.1994 5 220033, „. åËÌÒÍ, “åËÌÒÍËÈ Ú‡ÌÁËÚÌ˚È ·‡ÌÍ” ÔÓÒÔ. è‡ÚËÁ‡ÌÒÍËÈ, 6‡

16. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 40 01.04.1994 - 220141, „. åËÌÒÍ, “íÓ„Ó‚Ó-èÓÏ˚¯ÎÂÌÌ˚È Å‡ÌÍ” ÛÎ. êÛÒÒËflÌÓ‚‡, 8

17. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 47 05.08.1994 2 220002, „. åËÌÒÍ, “íÂıÌÓ·‡ÌÍ” ÛÎ. äÓÔÓÚÍË̇, 44

18. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 50 05.10.1994 2 220035, „. åËÌÒÍ, ·‡ÌÍ “áÓÎÓÚÓÈ Ú‡Î” ÛÎ. í‡Ú‡Ò͇fl, 3

19. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 53 09.11.1994 4 220035, „. åËÌÒÍ, “Ä͈ËÓÌÂÌ˚È ÍÓÏϘÂÒÍËÈ ·‡ÌÍ ÛÎ. à„̇ÚÂÌÍÓ, 11“àÌÙÓ·‡ÌÍ”

20. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 57 07.10.1996 5 220007, „. åËÌÒÍ, “ë·‚ÌÂÙÚ·‡ÌÍ” ÛÎ. ˈËÛÒ‡, 8

21. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 58 28.01.1999 1 220030, „. åËÌÒÍ, “ŇÌÍ ÏÂʉÛ̇ӉÌÓÈ ÚÓ„Ó‚ÎË Ë ÛÎ. ëÓ‚ÂÚÒ͇fl,12ËÌ‚ÂÒÚˈËÈ”

22. ìÌËÚ‡ÌÓ Ô‰ÔËflÚË 807000002 07.04.2000 - 220002, „. åËÌÒÍ, “àÌÓÒÚ‡ÌÌ˚È ·‡ÌÍ “åÓÒÍ‚‡ — åËÌÒÍ” ÛÎ. äÓÏÏÛÌËÒÚ˘ÂÒ͇fl, 49

23. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000015 25.01.2001 - 220075, „. åËÌÒÍ, “ÄÚÓÏ-ŇÌÍ” ÔÓÒÔ. è‡ÚËÁ‡ÌÒÍËÈ, 174

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24. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000030 27.09.2001 - 220075, „. åËÌÒÍ, ÔÓÏÁÓ̇ ò‡·‡Ì˚,“ë‚ÂÌ˚È àÌ‚ÂÒÚˈËÓÌÌ˚È Å‡ÌÍ” ÔÂ. èÓÏ˚¯ÎÂÌÌ˚È, 7

25. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000043 25.02.2002 - 220075, „. åËÌÒÍ, ÔÓÏÁÓ̇ ò‡·‡Ì˚,“åÂʉÛ̇ӉÌ˚È ÂÁ‚Ì˚È ·‡ÌÍ” ÔÂ. èÓÏ˚¯ÎÂÌÌ˚È, 11

26. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000056 10.07.2002 - 220075, „. åËÌÒÍ, ÔÓÏÁÓ̇ ò‡·‡Ì˚,“ãÓÓ·‡ÌÍ” ÛÎ. àÌÊÂÌÂ̇fl, 25

27. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000071 25.07.2002 - 220007, „. åËÌÒÍ,“ÄÒڇ̇˝ÍÒËÏ·‡ÌÍ” ÛÎ. åÓ„Ë΂Ò͇fl, 4328. á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000069 07.10.2002 - 220030, „. åËÌÒÍ,é·˙‰ËÌÂÌÌ˚È ÅÂÎÓÛÒÒÍÓ- ÛÎ. ü.äÛÔ‡Î˚, 25ò‚ÂȈ‡ÒÍËÈ Å‡ÌÍ “ìÅë ŇÌÍ” 29. éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 807000084 10.03.2003 - 220075, „. åËÌÒÍ,“åÂʉÛ̇ӉÌ˚È Å‡ÌÍ ÛÎ. ëÂÎˈÍÓ„Ó, 21, ÍÓÔ. 1ùÍÓÌÓÏ˘ÂÒÍÓ„Ó ëÓÚÛ‰Ì˘ÂÒÚ‚‡”

ŇÌÍË, ̇ıÓ‰fl˘ËÂÒfl ‚ ÒÚ‡‰ËË ·‡ÌÍÓÚÒÚ‚‡ ËÎË ÎË͂ˉ‡ˆËË

ç‡ËÏÂÌÓ‚‡ÌË ·‡Ì͇ ê„ËÒÚ‡ˆË- чڇ Â- ê¯ÂÌË ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó Ó„‡Ì‡ÓÌÌ˚È ÌÓÏ „ËÒÚ‡ˆËË

Ä͈ËÓÌÂÌ˚È ÍÓÏϘÂÒÍËÈ ËÌ‚ÂÒ- 49 05.11.1994 ê¯ÂÌË ÒÓ·‡ÌËfl ‡ÍˆËÓÌÂÓ‚ Ó Ò‡ÏÓÎË͂ˉ‡ˆËË ÓÚ 15.05.1997ÚˈËÓÌÌ˚È ·‡ÌÍ “óËÒÚ¸ËÌ‚ÂÒÚ·‡ÌÍ” (ÔÓÚÓÍÓÎ ‹ 23); 25.09.1997 ëÓ‚ÂÚÓÏ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θ-

ÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‰‡ÌÓ Òӄ·ÒË ̇ Ò‡ÏÓÎËÍ‚Ë-‰‡ˆË˛

é·˘ÂÒÚ‚Ó Ò Ó„‡Ì˘ÂÌÌÓÈ ÓÚ‚ÂÚÒÚ- 44 30.06.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË‚ÂÌÌÓÒÚ¸˛ ëÓ‚ÏÂÒÚÌ˚È ·ÂÎÓÛÒÒÍÓ- Å·ÛÒ¸ ÓÚ 02.02.2001 ‹ 23 Ó ÔËÌÛ‰ËÚÂθÌÓÈ ÎË͂ˉ‡ˆËË Î‡Ú‚ËÈÒÍËÈ ·‡ÌÍ “ÅÂÎŇÎÚËfl” ·‡Ì͇. ê¯ÂÌËÂÏ ïÓÁflÈÒÚ‚ÂÌÌÓ„Ó ëÛ‰‡ „. åËÌÒ͇ ÓÚ 15.06.2001

·‡ÌÍ ÔËÁÌ‡Ì ·‡ÌÍÓÚÓÏ Ë ÓÚÍ˚ÚÓ ÎË͂ˉ‡ˆËÓÌÌÓ ÔÓËÁ‚Ó‰-ÒÚ‚Ó

á‡Í˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 4 07.05.1991 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË“ÅÂÎäÓÏŇÌÍ” Å·ÛÒ¸ ÓÚ 12.02.2001 ‹ 25 Ó· ÓÚÁ˚‚ ÎˈÂÌÁËÈ Ë Ô‰‡˜Â

‰Â· ‚ Ç˚Ò¯ËÈ ïÓÁflÈÒÚ‚ÂÌÌ˚È ëÛ‰ Ó ·‡ÌÍÓÚÒÚ‚Â ·‡Ì͇. ê¯ÂÌËÂÏ Ç˚Ò¯Â„Ó ïÓÁflÈÒÚ‚ÂÌÌÓ„Ó ëÛ‰‡ ÓÚ 16.05.2001 ·‡ÌÍ ÔËÁÌ‡Ì ·‡ÌÍÓÚÓÏ Ë ÓÚÍ˚ÚÓ ÎË͂ˉ‡ˆËÓÌÌÓ ÔÓËÁ‚Ó‰ÒÚ‚Ó

éÚÍ˚ÚÓ ‡ÍˆËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó 29 07.10.1992 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË“ÅÂÎÓÛÒÒÍËÈ ÅËÊ‚ÓÈ Å‡ÌÍ” Å·ÛÒ¸ ÓÚ 29.03.2002 ‹ 62 Ó· ÓÚÁ˚‚ ÎˈÂÌÁËÈ Ë Ô‰‡˜Â

‰Â· ‚ Ç˚Ò¯ËÈ ïÓÁflÈÒÚ‚ÂÌÌ˚È ëÛ‰ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ó ·‡ÌÍÓÚÒÚ‚Â ·‡Ì͇. ê¯ÂÌËÂÏ Ç˚Ò¯Â„Ó ïÓÁflÈÒÚ‚ÂÌÌÓ„Ó ëÛ‰‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 16.09.2002 ·‡ÌÍ ÔËÁÌ‡Ì ·‡ÌÍÓÚÓÏ Ë ÓÚÍ˚ÚÓ ÎË͂ˉ‡ˆËÓÌÌÓ ÔÓËÁ‚Ó‰ÒÚ‚Ó

ãË͂ˉËÓ‚‡ÌÌ˚ ·‡ÌÍË (ËÒÍβ˜ÂÌÌ˚ ËÁ ÂÂÒÚ‡)

ÄäÅ “ìÌË‚Â҇Δ 43 21.06.1994 ê¯ÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 24 ‡ÔÂÎfl 1997 „. èÓÚÓÍÓÎ ‹ 11

ÄäÅ “é·˙‰ËÌÂÌÌ˚È Í‡ÔËڇΔ 54 25.01.1995 ê¯ÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 23 χfl 1997 „. èÓÚÓÍÓÎ ‹ 13

ÄäÅ “ëÓÊ” 3 09.04.1991 ê¯ÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 28 χfl 1997 „. èÓÚÓÍÓÎ ‹ 14

ÄäÅ “ùÎËÚ·‡ÌÍ” 35 03.02.1994 ê¯ÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 25 ˲Ìfl 1997 „. èÓÚÓÍÓÎ ‹ 16

åËÌÒÍËÈ Ù-Î ÄÅ “INKO” 4 30.10.1993 ê¯ÂÌË CÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 19 ‰Â͇·fl 1997 „. èÓÚÓÍÓÎ ‹ 51

ÄäÅ “ÄθflÌÒ” 30 09.04.1993 ê¯ÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 2 ÌÓfl·fl 1998 „. èÓÚÓÍÓÎ ‹ 29

ÄäÅ “ÑÛ͇ڔ 13 22.07.1991 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 30 ‡ÔÂÎfl 1999 „. ‹ 6.2

åËÌÒÍËÈ ˜‡ÒÚÌ˚È ÒÚÓËÚÂθÌ˚È ·‡ÌÍ 39 14.03.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Ä.äÎËÏÓ‚‡ Å·ÛÒ¸ ÓÚ 30 ‰Â͇·fl 1999 „. ‹ 29.7

ìÌË‚Â҇θÌ˚È ‡ÍˆËÓÌÂÌÓ-ÍÓÏÏÂ- 52 09.11.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎË͢ÂÒÍËÈ ·‡ÌÍ “ä‰ËÚÌÓ-äÓÏÏÂ- Å·ÛÒ¸ ÓÚ 30 χڇ 2000 „. ‹ 8.13 ˜ÂÒÍËÈ Å‡ÌÍ”

ÄäÅ “ëÓ‰ÛÊÂÒÚ‚Ó” 46 13.07.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 25 ‡ÔÂÎfl 2000 „. ‹ 9.6

ÄäÅ “Ö‚ÓÔÂÈÒÍËÈ” 33 25.11.1993 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 6 ˲Ìfl 2000 „. ‹ 12.3

ÅÂÎÄäÅ “凄̇ڔ 31 22.09.1993 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 6 ˲Ìfl 2000 „. ‹ 13.1„

ŇÌÍ “ê‡ÒÒ‚ÂÚ” 40 01.04.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 28 ÒÂÌÚfl·fl 2000 „. ‹ 24.9

ÄäÅ “ÅÂÎÓÛÒÒÍËÈ ä‰ËÚ” 45 01.07.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 4 ‰Â͇·fl 2000 „. ‹ 32.8

îËΡΠåÓÒÍÓ‚ÒÍÓ„Ó ‡ÍˆËÓÌÂÌÓ„Ó 8 28.12.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË·‡Ì͇ ÒÓ‰ÂÈÒÚ‚Ëfl Ô‰ÔËÌËχ- Å·ÛÒ¸ ÓÚ 27 ˲Ìfl 2001 „. ‹ 147ÚÂθÒÚ‚Û ‚ „. åËÌÒÍÂ

Ä͈ËÓÌÂÌ˚È ÍÓÏϘÂÒÍËÈ ·‡ÌÍ 42 20.06.1994 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË“äÓÔÓ·‡ÌÍ” Å·ÛÒ¸ ÓÚ 28 ‰Â͇·fl 2001 „. ‹ 346

ÄäÅ êè “àÌÚ˝ÍÒ” 22 14.10.1991 èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 27 ˲Ìfl 2002 „. ‹ 123

8 Банковский вестник, 11’2003

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è‰ÒÚ‡‚ËÚÂθÒÚ‚‡ ËÌÓÒÚ‡ÌÌ˚ı ·‡ÌÍÓ‚

ç‡ËÏÂÌÓ‚‡ÌË Ô‰ÒÚ‡‚ËÚÂθÒÚ‚‡ чڇ ûˉ˘ÂÒÍËÈ ‡‰ÂÒÓÚÍ˚ÚËfl

ŇÌÍ èÓθÒ͇ ä‡Ò‡ éÔÂÍË Ä͈ËÓÌÂÌÓ 23.07.1992 220004, „. åËÌÒÍ, ÛÎ. è·ÚÓÌÓ‚‡, 10, ÓÙ. 604é·˘ÂÒÚ‚Ó — ÉÛÔÔ‡ èÂÍ‡Ó Ä.é. (èÓθ¯‡)

ëommerzbank ÄG (ÉÂχÌËfl) 16.12.1993 220050, „. åËÌÒÍ, ÛÎ. ó˘ÂË̇, 21, ÓÙ. 601

äÅ “ä‰ËÚËÏÔ˝ÍÒ Å‡ÌÍ” (ééé) (êÓÒÒËfl) 20.02.1995 220030, „. åËÌÒÍ, ÛÎ. ü.äÛÔ‡Î˚, 7

ã‡Ú‚ËÈÒÍËÈ ÚÓ„Ó‚˚È ·‡ÌÍ (ã‡Ú‚Ëfl) 12.04.1995 220600, „. åËÌÒÍ, ÛÎ. ëÏÓÎfl˜ÍÓ‚‡, 9

Ä͈ËÓÌÂÌÓ ӷ˘ÂÒÚ‚Ó ·‡ÌÍ SNORAS (ãËÚ‚‡) 27.03.1997 220050, „. åËÌÒÍ, ÛÎ. ä.å‡ÍÒ‡,15

åÂÊ„ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚È ·‡ÌÍ 27.07.2000 220004, „. åËÌÒÍ, ÔÓÒÔ. 凯ÂÓ‚‡, 5, ÓÙ. 409

ÄäÅ “ã‡ÌÚ‡-ŇÌÍ” (êÓÒÒËfl) 18.04.2001 220030, „. åËÌÒÍ, ÛÎ. àÌÚÂ̇ˆËÓ̇θ̇fl, 23

Äé “Rietumu Banka” (ã‡Ú‚Ëfl) 16.11.2001 220030, „. åËÌÒÍ, ÛÎ. ùÌ„Âθ҇, 34‡

Ç̯ÚÓ„·‡ÌÍ (êÓÒÒËfl) 22.07.2002 220007, „. åËÌÒÍ, ÛÎ. åÓÒÍÓ‚Ò͇fl, 13

Ä/é “Trasta komercbanka” (ã‡Ú‚Ëfl) 26.08.2002 220005, „. åËÌÒÍ, ÔÓÒÔ. î.ëÍÓËÌ˚, 49

Ä/é “Multibanka” (ã‡Ú‚Ëfl) 26.08.2002 220030, „. åËÌÒÍ, ÛÎ. ùÌ„Âθ҇, 30

ÄäÅ “îéêèéëí” (êÓÒÒËÈÒ͇fl ˆËfl) 20.01.2003 220099, „. åËÌÒÍ, ÛÎ. ä‡ÁË̈‡, 4

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9Банковский вестник, 11’2003

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399,

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2003

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516,

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535,

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12 Банковский вестник, 11’2003

ОФИЦИАЛЬНО

13Банковский вестник, 11’2003

ОФИЦИАЛЬНОà

ÌÙÓ

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fl Ó

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2003

1 25

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2002

160,

113

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136,

115

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150,

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174,

117

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176,

520

6,8

201,

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2003

247,

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ÙËÌ

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2002

19,1

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17,8

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ˆËÈ

2003

17,2

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17

,6

ÙËÁ

˘ÂÒ

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Îˈ

2002

325,

735

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413,

645

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477,

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6,7

558,

958

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608,

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2003

666,

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2002

1 35

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2003

1 92

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2002

229,

222

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243,

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278,

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255,

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271,

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296,

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2003

274,

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2002

31,6

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2003

52,3

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2002

497,

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548,

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579,

959

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611,

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6,8

659,

368

0,6

699,

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2003

749,

5 78

3,5

801,

7

14 Банковский вестник, 11’2003

ОФИЦИАЛЬНОà

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2002

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2003

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2003

1 69

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358,

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135

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396,

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2002

516,

551

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509,

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526,

653

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563,

460

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630,

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2003

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2003

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2002

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603,

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557,

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2003

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15Банковский вестник, 11’2003

ОФИЦИАЛЬНОÑË

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65,4

66,0

62,5

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54,5

49,2

44,8

42,3

40,8

39,4

38,2

38,0

2003

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2002

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74,4

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2003

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2002

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16 Банковский вестник, 11’2003

ОФИЦИАЛЬНОÑË

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17Банковский вестник, 11’2003

ОФИЦИАЛЬНО

éëçéÇçõÖ èéäÄáÄíÖãà‡·ÓÚ˚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌÓÈ ÒËÒÚÂÏ˚ ÏÂÊ·‡ÌÍÓ‚ÒÍËı ‡Ò˜ÂÚÓ‚

èÓ͇Á‡ÚÂÎË üÌ‚‡¸ — üÌ‚‡¸ — éÚÍÎÓÌÂÌËÂÏ‡Ú Ï‡Ú

2002 „. 2003 „. ‚ ÒÛÏÏ ‚ ÔÓˆÂÌÚ‡ı

11.. èèÓÓ‚‚‰‰ÂÂÌÌÓÓ ÔÔη‡ÚÚÂÂÊÊÂÂÈÈ11..11.. èèÓÓ ÍÍÓÓÎÎˢ̃ÂÂÒÒÚÚ‚‚ÛÛ —— ‚‚ÒÒ„„ÓÓ,, ÚÚ˚̊ÒÒ.. ‰‰ËËÌÌËˈ̂ 6 702,9 7 467,3 764,4 111,4

‚ ÚÓÏ ˜ËÒÎÂ:‚ ÒËÒÚÂÏ BISS 518,5 669,0 150,5 129,0

‚ ÔÓˆÂÌÚ‡ı Í Ó·˘ÂÏÛ ÍÓ΢ÂÒÚ‚Û 7,7 9,0‚ ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏ 6 184,4 6 798,3 613,9 109,9

‚ ÔÓˆÂÌÚ‡ı Í Ó·˘ÂÏÛ ÍÓ΢ÂÒÚ‚Û 92,3 91,011..22.. èèÓÓ ÒÒÛÛÏÏÏÏ —— ‚‚ÒÒ„„ÓÓ,, ÏÏÎΉ‰ ÛÛ··ÎÎÂÂÈÈ 18 160,8 27 293,8 9 133,0 150,3

‚ ÚÓÏ ˜ËÒÎÂ:‚ ÒËÒÚÂÏ BISS 16 183,5 24 831,5 8 648,0 153,4

‚ ÔÓˆÂÌÚ‡ı Í Ó·˘ÂÈ ÒÛÏÏ 89,1 91,0‚ ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏ 1 977,3 2 462,3 485,0 124,5

‚ ÔÓˆÂÌÚ‡ı Í Ó·˘ÂÈ ÒÛÏÏ 10,9 9,022.. ë뉉Ì̉‰ÌÌ‚‚ÌÌÓÓÈÈ ÓÓ··ÓÓÓÓÚÚ22..11.. èèÓÓ ÍÍÓÓÎÎˢ̃ÂÂÒÒÚÚ‚‚ÛÛ —— ‚‚ÒÒ„„ÓÓ,, ÚÚ˚̊ÒÒ.. ‰‰ËËÌÌËˈ̂ 109,9 122,4 12,5 111,4

‚ ÚÓÏ ˜ËÒÎÂ:‚ ÒËÒÚÂÏ BISS 8,5 11,0 2,5 129,4‚ ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏ 101,4 111,4 10,1 109,9

22..22.. èèÓÓ ÒÒÛÛÏÏÏÏ —— ‚‚ÒÒ„„ÓÓ,, ÏÏÎΉ‰ ÛÛ··ÎÎÂÂÈÈ 297,7 447,4 149,7 150,3‚ ÚÓÏ ˜ËÒÎÂ:

‚ ÒËÒÚÂÏÂ BISS 265,3 407,1 141,8 153,4‚ ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏÂ 32,4 40,4 8,0 124,7

33.. ë뉉ÌÌËËÈÈ ‡‡ÁÁÏÏ ÔÔη‡ÚÚÂÂÊʇ‡,, ÚÚ˚̊ÒÒ.. ÛÛ··ÎÎÂÂÈÈ‚ ÒËÒÚÂÏ BISS 31 212,1 37 117,3 5 905,2 118,9‚ ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏ 319,7 362,2 42,5 113,3

44.. ÄÄÌÌÌÌÛÛÎÎËËÓÓ‚‚‡‡ÌÌÓÓ ÔÔη‡ÚÚÂÂÊÊÂÂÈÈ44..11.. èèÓÓ ÍÍÓÓÎÎˢ̃ÂÂÒÒÚÚ‚‚ÛÛ —— ‚‚ÒÒ„„ÓÓ,, ÚÚ˚̊ÒÒ.. ‰‰ËËÌÌËˈ̂ 25,8 17,6 -8,2 68,2

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44..22.. èèÓÓ ÒÒÛÛÏÏÏÏ —— ‚‚ÒÒ„„ÓÓ,, ÏÏÎΉ‰ ÛÛ··ÎÎÂÂÈÈ 144,8 49,6 -95,2 34,3‚ ÔÓˆÂÌÚ‡ı Í Ó·˘ÂÈ ÒÛÏÏ 0,8 0,2

ÓÚÔ‡‚ÎÂÌÌ˚ı Ô·ÚÂÊÂÈ55.. ääÓÓ˝̋ÙÙÙÙËˈ̂ËËÂÂÌÌÚÚ ‰‰ÓÓÒÒÚÚÛÛÔÔÌÌÓÓÒÒÚÚËË**,, ÔÔÓÓˆ̂ÂÂÌÌÚÚÓÓ‚‚ 100,0 99,9

* èÓ͇Á‡ÚÂθ ÓڇʇÂÚ ‚ÂÓflÚÌÓÒÚ¸ ËÏÂÚ¸ ‚ÓÒÒڇ̇‚ÎË‚‡ÂÏÛ˛ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌÛ˛ ÒËÒÚÂÏÛ ‚ ‡·ÓÚÓÒÔÓÒÓ·ÌÓÏ ÒÓÒÚÓflÌËË ‚ ÔÓËÁ‚ÓθÌ˚È ÏÓÏÂÌÚ‚ÂÏÂÌË. á̇˜ÂÌË ÍÓ˝ÙÙˈËÂÌÚ‡ ‰ÓÒÚÛÔÌÓÒÚË ‡ÒÒ˜ËÚ˚‚‡ÂÚÒfl Ò Ï‡Ú‡ 2002 „.

18 Банковский вестник, 11’2003

ОФИЦИАЛЬНО

1000 ‡Á·‡È‰Ê‡ÌÒÍËÈ Ï‡Ì‡Ú 407.551 ‡Î·‡ÌÒÍËÈ ÎÂÍ 15.401 ‡ÎÊËÒÍËÈ ‰Ë̇ 25.051 ‡„ÂÌÚËÌÒÍÓ ÔÂÒÓ 671.831000 ‡ÏflÌÒÍËÈ ‰‡Ï 3577.961000 ‡Ù„‡ÌÒÍËÈ ‡Ù„‡ÌË 46441.861 ·‡ÁËθÒÍËÈ Â‡Î 560.961 ‚ÂÌ„ÂÒÍËÈ ÙÓËÌÚ 8.801000 ‚¸ÂÚ̇ÏÒÍËÈ ‰ÓÌ„ 129.211 „ÛÁËÌÒÍËÈ Î‡Ë 918.121 ‰Ëı‡Ï éÄù 543.691 „ËÔÂÚÒÍËÈ ÙÛÌÚ 346.401 ËÁ‡ËθÒÍËÈ ¯ÂÍÂθ 423.811 Ë̉ËÈÒ͇fl ÛÔËfl 42.041 ËÓ‰‡ÌÒÍËÈ ‰Óη 2814.661 ˇÍcÍËÈ ‰Ë̇ 6421.221000 ˇÌÒÍËÈ Ë‡Î 245.211 ÍÂÌËÈÒÍËÈ ¯ËÎÎËÌ„ 26.07

1 ÍËÔÒÍËÈ ÙÛÌÚ 3721.611 ÍËÚ‡ÈÒÍËÈ ˛‡Ì¸ 241.261000 ÍÓÎÛÏ·ËÈÒÍÓ ÔÂÒÓ 675.121000 ·ÓÒcÍËÈ ÍËÔ 262.761000 ÎË‚‡ÌÒÍËÈ ÙÛÌÚ 1324.711 ÎË‚ËÈcÍËÈ ‰Ë̇ 1659.881 χÓÍ͇ÌÒÍËÈ ‰Ëı‡Ï 202.471 ÏÂÍÒË͇ÌÒÍÓ ÌÓ‚Ó ÔÂÒÓ 186.731000 ÏÓÌ„ÓθÒÍËÈ ÚÛ„ËÍ 1773.531 ÌÂԇθc͇fl ÛÔËfl 26.351 ÌË„ÂËÈÒ͇fl ̇ȇ 15.411 ÌÓ‚ÓÁ·̉ÒÍËÈ ‰Óη 1106.941 ÌÓ‚˚È Ú‡È‚‡Ì¸ÒÍËÈ ‰Óη 57.451 Ô‡ÍËÒÚ‡ÌÒ͇fl ÛÔËfl 34.521 ÔÂÛ‡ÌÒÍËÈ ÌÓ‚˚È ÒÓθ 574.511000 ÛÏ˚ÌÒÍËÈ ÎÂÈ 60.081 Ò‡Û‰Ó‚ÒÍËÈ Ë‡Î 532.501 ÒËËÈÒÍËÈ ÙÛÌÚ 43.41

1 ÒÎÓ‚‡ˆÍ‡fl ÍÓ̇ 52.691 ÒÎÓ‚ÂÌÒÍËÈ ÚÓ· 9.361 ÒÛ‰‡ÌÒÍËÈ ‰Ë̇ 7.591 Ú‡‰ÊËÍÒÍËÈ ÒÓÏÓÌË 650.911 ڇ˷̉ÒÍËÈ ·‡Ú 46.581 ÚÛÌËÒÒÍËÈ ‰Ë̇ 1522.681000 ÚÛÍÏÂÌÒÍËÈ Ï‡Ì‡Ú 384.041 ÛÁ·ÂÍÒÍËÈ ÒÛÏ 2.071 ÛÛ„‚‡ÈÒÍÓ ÔÂÒÓ 69.581 ÙËÎËÔÔËÌcÍÓ ÔÂÒÓ 37.311000 ˜ËÎËÈÒÍÓ ÔÂÒÓ 2750.121 ¯Ë-·ÌÍËÈÒ͇fl ÛÔËfl 20.601 ˝ÙËÓÔÒÍËÈ ·˚ 240.601 ˛„ÓÒ·‚ÒÍËÈ ‰Ë̇ 34.491 ˛ÊÌÓ‡ÙË͇ÌÒÍËÈ ‡Ì‰ 251.271000 ˛ÊÌÓÍÓÂÈÒ͇fl ‚Ó̇ 1591.93

ìÒÚ‡ÌÓ‚ÎÂÌÌ˚ 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ Ò 1 ‡ÔÂÎfl ÍÛÒ˚ ËÌÓÒÚ‡ÌÌ˚ı ‚‡Î˛Ú, ÍÓÚËÛÂÏ˚ı ÂÊÂÏÂÒfl˜ÌÓ

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1 a‚ÒÚ‡ÎËÈÒÍËÈ ‰Óη 1206.49 1205.89 1203.30 1201.70 1203.80 1191.08 1201.50 1211.52 1215.74 1217.55 1213.74

1 ·Ó΄‡cÍËÈ Î‚ 1113.12 1118.01 1110.83 1105.99 1103.70 1089.25 1100.44 1108.38 1110.87 1109.82 1109.91

1 ‰‡ÚÒ͇fl ÍÓ̇ 292.40 293.40 291.72 290.43 289.75 285.79 288.79 290.64 291.15 290.91 290.88

1 ‰Óη ëòÄ 1997.00 1998.00 2000.00 2002.00 2003.00 2004.00 2005.00 2006.00 2007.00 2009.00 2010.00

1 Â‚Ó 2171.54 2179.02 2166.70 2157.15 2151.52 2122.24 2144.95 2158.46 2162.04 2160.58 2160.45

1 ëÑê 2729.36 2730.73 2733.46 2736.19 2737.56 2738.93 2740.29 2741.66 2743.03 2745.76 2747.13

1 ËÒ·̉Ò͇fl ÍÓ̇ 26.07 26.02 25.89 25.81 25.66 25.38 25.52 25.67 25.83 25.85 25.84

1 ͇Á‡ıÒÍËÈ ÚÂÌ„Â 13.15 13.14 13.15 13.15 13.15 13.16 13.16 13.17 13.18 13.22 13.23

1 ͇̇‰ÒÍËÈ ‰Óη 1361.37 1364.10 1354.23 1360.98 1355.58 1345.69 1356.65 1366.21 1370.57 1381.52 1383.54

1 ÍÛ‚ÂÈÚÒÍËÈ ‰Ë̇ 6660.00 6672.68 6672.78 6675.11 6671.33 6659.58 6669.77 6680.21 6682.20 6687.75 6690.30

1 Í˚„˚ÁÒÍËÈ ÒÓÏ 45.06 43.83 43.87 43.91 43.94 43.96 43.98 44.86 44.88 44.92 44.94

1 ·ڂËÈÒÍËÈ Î‡Ú 3456.81 3463.64 3452.74 3448.75 3442.47 3425.93 3440.58 3449.40 3453.50 3453.97 3455.69

1 ÎËÚÓ‚ÒÍËÈ ÎËÚ 628.80 631.13 627.64 624.36 623.33 614.82 621.10 625.12 626.11 625.62 625.66

1 ÏÓΉ‡‚ÒÍËÈ ÎÂÈ 137.49 137.56 136.75 136.38 135.61 136.10 135.93 136.00 136.07 135.74 135.99

1 ÌÓ‚ÂÊÒ͇fl ÍÓ̇ 274.91 275.69 275.94 275.30 276.91 272.94 276.34 276.71 276.42 273.20 274.19

1 ÔÓθÒÍËÈ ÁÎÓÚ˚È 493.42 489.47 490.95 492.92 492.68 490.22 494.09 502.35 508.36 505.91 509.66

1 ÓÒÒËÈÒÍËÈ Û·Î¸ 63.64 63.80 63.93 63.98 64.03 64.07 64.10 64.12 64.16 64.22 64.35

1 ÒËÌ„‡ÔÛcÍËÈ ‰Óη 1132.47 1130.25 1130.45 1130.43 1125.79 1124.39 1125.36 1125.45 1128.92 1130.62 1129.15

10000 ÚÛˆÍËı ÎË 11.70 11.73 11.79 11.93 12.10 12.17 12.25 12.17 12.15 12.21 12.29

1 Û͇ËÌÒ͇fl „Ë‚Ìfl 374.30 374.37 375.01 375.20 375.43 370.43 375.99 376.11 376.34 376.76 376.88

1 ÙÛÌÚ ÒÚÂÎËÌ„Ó‚ 3147.67 3159.14 3142.80 3136.23 3139.70 3105.60 3113.87 3114.62 3144.07 3151.42 3167.66

1 ˜Â¯Ò͇fl ÍÓ̇ 67.98 68.02 67.68 67.56 67.55 67.06 67.81 68.70 68.89 68.74 68.35

1 ¯‚‰Ò͇fl ÍÓ̇ 235.02 236.13 234.63 233.53 234.09 231.20 233.75 235.99 236.50 236.73 236.89

1 ¯‚ÂȈ‡ÒÍËÈ Ù‡ÌÍ 1470.49 1476.17 1462.31 1454.10 1449.09 1427.76 1443.85 1451.41 1451.46 1442.00 1444.02

1 ˝ÒÚÓÌÒ͇fl ÍÓ̇ 138.77 139.28 138.48 137.85 137.53 135.67 137.07 137.91 138.21 138.05 138.08

10 flÔÓÌÒÍËı ËÂÌ 167.99 169.44 168.31 168.34 167.03 165.99 167.66 167.44 167.49 167.44 166.63

é Ù Ë ˆ Ë ‡ Î ¸ Ì ˚ È Í Û Ò

c 01.04 Ò 02.04 Ò 03.04 Ò 04.04 Ò 05.04 Ò 08.04 Ò 09.04 c 10.04 c 11.04 c 12.04 c 15.04

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

19Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸ ͇ÚÍÓÒÓ˜Ì˚ı Ó·ÎË„‡ˆËÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

Ç˚ÔÛÒÍ ‹ 55

02.04.2003 93 39003.04.2003 93 47404.04.2003 93 55705.04.2003 93 64106.04.2003 93 72507.04.2003 93 80808.04.2003 93 89209.04.2003 93 97610.04.2003 94 05911.04.2003 94 14312.04.2003 94 22713.04.2003 94 31014.04.2003 94 39415.04.2003 94 47816.04.2003 94 56117.04.2003 94 64518.04.2003 94 72919.04.2003 94 81220.04.2003 94 89621.04.2003 94 98022.04.2003 95 06323.04.2003 95 14724.04.2003 95 23125.04.2003 95 31426.04.2003 95 39827.04.2003 95 48228.04.2003 95 565

29.04.2003 95 64930.04.2003 95 73301.05.2003 95 81602.05.2003 95 90003.05.2003 95 98404.05.2003 96 06705.05.2003 96 15106.05.2003 96 23507.05.2003 96 31808.05.2003 96 40209.05.2003 96 48610.05.2003 96 56911.05.2003 96 65312.05.2003 96 73713.05.2003 96 82114.05.2003 96 90415.05.2003 96 98816.05.2003 97 07217.05.2003 97 15518.05.2003 97 23919.05.2003 97 32320.05.2003 97 40621.05.2003 97 49022.05.2003 97 57423.05.2003 97 65724.05.2003 97 74125.05.2003 97 825

26.05.2003 97 90827.05.2003 97 99228.05.2003 98 07629.05.2003 98 15930.05.2003 98 24331.05.2003 98 32701.06.2003 98 41002.06.2003 98 49403.06.2003 98 57804.06.2003 98 66105.06.2003 98 74506.06.2003 98 82907.06.2003 98 91208.06.2003 98 99609.06.2003 99 08010.06.2003 99 16311.06.2003 99 24712.06.2003 99 33113.06.2003 99 41414.06.2003 99 49815.06.2003 99 58216.06.2003 99 66517.06.2003 99 74918.06.2003 99 83319.06.2003 99 91620.06.2003 100 000

02.04.2003 92 03003.04.2003 92 11604.04.2003 92 20105.04.2003 92 28706.04.2003 92 37307.04.2003 92 45808.04.2003 92 54409.04.2003 92 63010.04.2003 92 71611.04.2003 92 80112.04.2003 92 88713.04.2003 92 97314.04.2003 93 05815.04.2003 93 14416.04.2003 93 23017.04.2003 93 31518.04.2003 93 40119.04.2003 93 48720.04.2003 93 57321.04.2003 93 65822.04.2003 93 74423.04.2003 93 83024.04.2003 93 91525.04.2003 94 00126.04.2003 94 08727.04.2003 94 17228.04.2003 94 25829.04.2003 94 34430.04.2003 94 43001.05.2003 94 51502.05.2003 94 60103.05.2003 94 687

04.05.2003 94 77205.05.2003 94 85806.05.2003 94 94407.05.2003 95 02908.05.2003 95 11509.05.2003 95 20110.05.2003 95 28711.05.2003 95 37212.05.2003 95 45813.05.2003 95 54414.05.2003 95 62915.05.2003 95 71516.05.2003 95 80117.05.2003 95 88618.05.2003 95 97219.05.2003 96 05820.05.2003 96 14421.05.2003 96 22922.05.2003 96 31523.05.2003 96 40124.05.2003 96 48625.05.2003 96 57226.05.2003 96 65827.05.2003 96 74328.05.2003 96 82929.05.2003 96 91530.05.2003 97 00131.05.2003 97 08601.06.2003 97 17202.06.2003 97 25803.06.2003 97 34304.06.2003 97 429

05.06.2003 97 51506.06.2003 97 60007.06.2003 97 68608.06.2003 97 77209.06.2003 97 85810.06.2003 97 94311.06.2003 98 02912.06.2003 98 11513.06.2003 98 20014.06.2003 98 28615.06.2003 98 37216.06.2003 98 45717.06.2003 98 54318.06.2003 98 62919.06.2003 98 71520.06.2003 98 80021.06.2003 98 88622.06.2003 98 97223.06.2003 99 05724.06.2003 99 14325.06.2003 99 22926.06.2003 99 31427.06.2003 99 40028.06.2003 99 48629.06.2003 99 57230.06.2003 99 65701.07.2003 99 74302.07.2003 99 82903.07.2003 99 91404.07.2003 100 000

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

Ç˚ÔÛÒÍ ‹ 56

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

чڇ íÂÍÛ˘‡fl ÒÚÓËÏÓÒÚ¸, Û·ÎÂÈ

20 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

àÚÓ„Ë ÚÓ„Ó‚ ËÌÓÒÚ‡ÌÌ˚ÏË ‚‡Î˛Ú‡ÏË ‚ éÄé “ÅÂÎÓÛÒÒ͇fl ‚‡Î˛ÚÌÓ-ÙÓ̉ӂ‡fl ·Ëʇ” Ò 1 ÔÓ 15 ‡ÔÂÎfl

Ñч‡ÚÚ‡‡ ÇLJ‡Îβ̨ÚÚ‡‡ ää--‚‚ÓÓ ëëÔÔÓÓÒÒ è艉ÎÎÓÓÊÊÂÂÌÌËË éé··˙̇ÂÂÏÏ ääÛÛÒÒ ((Ì̇‡˜̃..)) ääÛÛÒÒ((ÚÚ˚̊ÒÒ..)) ((ÚÚ˚̊ÒÒ..)) ((ÚÚ˚̊ÒÒ..)) ((ÛÛ··..)) ((ÛÛ··..))

01.04.2003 êéëëàâëäàâ êìÅãú 24 87682 63360 86804 63.64 63.8001.04.2003 ÑéããÄê ëòÄ 24 5581 4768 4768 1997 199801.04.2003 ÖÇêé 21 944 848 848 2172 217801.04.2003 ìäê. ÉêàÇçü 6 328 6 328 367 36901.04.2003 òÇÖâñÄêëäàâ îêÄçä 3 100 20 20 1449 147501.04.2003 èéãúëäàâ áãéíõâ 3 0 21 21 491 489

02.04.2003 êéëëàâëäàâ êìÅãú 21 164530 130574 163520 63.80 63.9302.04.2003 ÑéããÄê ëòÄ 23 10786 7459 10786 1998 200002.04.2003 ÖÇêé 19 766 876 767 2178 216502.04.2003 ìäê. ÉêàÇçü 4 266 1000 1000 369 36702.04.2003 òÇÖâñÄêëäàâ îêÄçä 2 5 35 5 1475 1463

03.04.2003 êéëëàâëäàâ êìÅãú 26 209657 181255 209538 63.93 63.9803.04.2003 ÑéããÄê ëòÄ 23 9791 7174 9791 2000 200203.04.2003 ÖÇêé 19 650 754 650 2165 215903.04.2003 ìäê. ÉêàÇçü 4 242 125 242 367 36803.04.2003 òÇÖâñÄêëäàâ îêÄçä 3 52 432 432 1463 1454

04.04.2003 êéëëàâëäàâ êìÅãú 26 81164 70807 70807 63.98 64.0304.04.2003 ÑéããÄê ëòÄ 24 8937 7672 8937 2002 200304.04.2003 ÖÇêé 20 536 618 548 2159 215004.04.2003 ìäê. ÉêàÇçü 3 219 45 45 368 369

07.04.2003 êéëëàâëäàâ êìÅãú 22 81103 75112 75112 64.03 64.0707.04.2003 ÑéããÄê ëòÄ 24 4152 3377 3452 2003 200407.04.2003 ÖÇêé 20 356 568 418 2150 212207.04.2003 ìäê. ÉêàÇçü 4 28 0 28 369 36907.04.2003 òÇÖâñÄêëäàâ îêÄçä 2 0 36 36 1454 1426

08.04.2003 êéëëàâëäàâ êìÅãú 25 86225 80677 80696 64.07 64.1008.04.2003 ÑéããÄê ëòÄ 24 6647 5717 6647 2004 200508.04.2003 ÖÇêé 19 592 423 423 2122 214308.04.2003 ìäê. ÉêàÇçü 4 203 1000 1000 369 36808.04.2003 òÇÖâñÄêëäàâ îêÄçä 2 50 3 3 1426 144308.04.2003 èéãúëäàâ áãéíõâ 2 60 30 30 489 494

09.04.2003 êéëëàâëäàâ êìÅãú 23 87921 82504 82845 64.10 64.1209.04.2003 ÑéããÄê ëòÄ 23 7168 6013 7168 2005 200609.04.2003 ÖÇêé 21 513 398 491 2143 215809.04.2003 ìäê. ÉêàÇçü 6 410 860 860 368 36709.04.2003 òÇÖÑëäÄü äêéçÄ 2 50 25 25 230 236

10.04.2003 êéëëàâëäàâ êìÅãú 22 135424 106391 135393 64.12 64.1610.04.2003 ÑéããÄê ëòÄ 23 5547 4309 5547 2006 200710.04.2003 ÖÇêé 20 693 348 693 2158 216210.04.2003 ìäê. ÉêàÇçü 6 679 716 716 367 36710.04.2003 òÇÖâñÄêëäàâ îêÄçä 2 40 2 2 1443 1452

11.04.2003 êéëëàâëäàâ êìÅãú 24 224457 186471 224276 64.16 64.2211.04.2003 ÑéããÄê ëòÄ 23 8748 6429 8748 2007 200911.04.2003 ÖÇêé 21 477 436 477 2162 216611.04.2003 ìäê. ÉêàÇçü 4 401 890 890 367 36711.04.2003 îìçí ëíÖêãàçÉéÇ 2 40 2 2 3143 315311.04.2003 òÇÖÑëäÄü äêéçÄ 2 20 1 1 236 237

14.04.2003 êéëëàâëäàâ êìÅãú 23 175593 147443 155339 64.22 64.3514.04.2003 ÑéããÄê ëòÄ 21 3761 3118 3118 2009 201014.04.2003 ÖÇêé 19 462 529 462 2166 216014.04.2003 ìäê. ÉêàÇçü 2 0 500 500 367 367

15.04.2003 êéëëàâëäàâ êìÅãú 22 176199 147506 147506 64.35 64.4815.04.2003 ÑéããÄê ëòÄ 23 4106 3022 4106 2010 201115.04.2003 ÖÇêé 21 935 772 935 2160 216115.04.2003 ìäê. ÉêàÇçü 6 475 1324 1324 367 36715.04.2003 òÇÖâñÄêëäàâ îêÄçä 2 0 34 34 1452 1441

21Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

àÚÓ„Ë ÚÓ„Ó‚ ˆÂÌÌ˚ÏË ·Ûχ„‡ÏË ‚ éÄé “ÅÂÎÓÛÒÒ͇fl ‚‡Î˛ÚÌÓ-ÙÓ̉ӂ‡fl ·Ëʇ” Ò 1 ÔÓ 15 ‡ÔÂÎfl

01.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

01.04.2003 Éäé 406 29 97,002.00 97,161.00 97,108.10 97,002.00 97,161.00 37.48 38.90 36.78 154,110,555 1,587 3 401.04.2003 Éäé 415 15 95,993.00 95,993.00 95,993.00 95,993.00 95,993.00 101.57 101.57 101.57 325,800,242 3,394 1 201.04.2003 Éäé 420 48 95,331.00 95,331.00 95,331.00 95,331.00 95,331.00 37.24 37.24 37.24 190,662 2 2 201.04.2003 Éäé 423 8 97,422.00 97,422.00 97,422.00 97,422.00 97,422.00 120.73 120.73 120.73 112,912,098 1,159 1 201.04.2003 Éäé 435 69 93,690.00 93,690.00 93,690.00 93,690.00 93,690.00 35.63 35.63 35.63 94,439,520 1,008 1 201.04.2003 Éäé 438 50 94,351.00 95,522.00 95,370.56 94,351.00 95,522.00 35.44 43.71 34.22 135,998,430 1,426 6 301.04.2003 Éäé 452 64 94,265.00 94,265.00 94,265.00 94,265.00 94,265.00 34.70 34.70 34.70 188,530 2 2 201.04.2003 Éäé 453 50 95,000.00 95,000.00 95,000.00 95,000.00 95,000.00 38.42 38.42 38.42 190,000 2 2 201.04.2003 Éäé 460 71 93,670.00 93,953.00 93,832.47 93,670.00 93,953.00 33.79 34.74 33.09 71,218,851 759 5 301.04.2003 Éäé 464 85 92,050.00 92,050.00 92,050.00 92,050.00 92,050.00 37.09 37.09 37.09 184,100 2 2 201.04.2003 Éäé 468 92 92,159.00 91,121.00 91,121.31 91,121.00 92,159.00 38.66 38.66 33.76 601,582,918 6,602 4 301.04.2003 Éäé 470 99 91,455.00 91,723.00 91,534.17 91,455.00 91,723.00 34.10 34.45 33.27 242,199,414 2,646 4 201.04.2003 Éäé 471 106 90,893.00 90,912.00 90,902.50 90,893.00 90,912.00 34.46 34.50 34.42 202,894,380 2,232 2 201.04.2003 Éäé 476 113 87,986.00 88,905.00 88,821.45 87,986.00 88,905.00 40.65 44.11 40.31 1,954,072 22 3 301.04.2003 Éäé 494 20 98,188.00 98,188.00 98,188.00 98,188.00 98,188.00 33.68 33.68 33.68 196,376 2 2 201.04.2003 Éäé 495 21 98,099.00 98,099.00 98,099.00 98,099.00 98,099.00 33.68 33.68 33.68 196,198 2 2 201.04.2003 Éäé 506 55 94,901.00 94,901.00 94,901.00 94,901.00 94,901.00 35.66 35.66 35.66 189,802 2 2 201.04.2003 Éäé 507 148 86,740.00 87,368.00 87,146.85 86,740.00 87,368.00 36.37 37.70 35.66 98,650,236 1,132 6 201.04.2003 Éäé 513 232 71,657.00 80,669.00 76,163.00 71,657.00 80,669.00 49.24 62.23 37.70 122,165,452 1,604 3 401.04.2003 Éäé 514 239 80,109.00 80,550.00 79,169.34 70,591.00 80,706.00 40.18 63.62 36.51 453,244,502 5,725 8 501.04.2003 Éäé 515 225 81,202.00 81,220.00 81,211.00 81,202.00 81,220.00 37.53 37.55 37.51 100,051,952 1,232 2 201.04.2003 Éäé 518 246 79,985.00 80,005.00 79,995.00 79,985.00 80,005.00 37.11 37.13 37.08 1,999,235,040 24,992 4 201.04.2003 Éäé 519 262 78,914.00 78,914.00 78,914.00 78,914.00 78,914.00 37.22 37.22 37.22 157,828 2 2 201.04.2003 Éäé 525 323 74,330.00 74,350.00 74,335.57 74,330.00 74,350.00 39.01 39.03 38.98 360,676,200 4,852 3 201.04.2003 Éäé 526 330 74,880.00 74,880.00 74,880.00 74,880.00 74,880.00 37.11 37.11 37.11 149,760 2 2 201.04.2003 Éäé 527 337 74,407.00 74,407.00 74,407.00 74,407.00 74,407.00 37.25 37.25 37.25 148,814 2 2 201.04.2003 Éäé 528 344 74,162.00 74,162.00 74,162.00 74,162.00 74,162.00 36.97 36.97 36.97 148,324 2 2 201.04.2003 Éäé 529 260 79,181.00 79,181.00 79,181.00 79,181.00 79,181.00 36.91 36.91 36.91 158,362 2 2 201.04.2003 Éäé 533 24 97,636.00 97,636.00 97,636.00 97,636.00 97,636.00 36.82 36.82 36.82 195,272 2 2 201.04.2003 ÉÑé 33 85 1,006,661.00 1,006,661.00 1,006,661.00 1,006,661.00 1,006,661.00 37.81 37.81 37.81 60,399,660 60 1 2

àÚÓ„Ó: 5,139,827,550 60,458 83 13

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0011..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 4433..5566 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

01.04.2003 2 18.00 18.00 18.00 2,799,590,294 3 301.04.2003 6 24.00 24.00 24.00 104,937,000 1 201.04.2003 7 20.00 25.00 22.47 3,132,921,280 10 601.04.2003 10 23.00 24.00 23.41 2,122,714,780 3 401.04.2003 15 24.00 25.08 24.53 2,199,634,140 4 201.04.2003 16 23.00 23.00 23.00 73,310,727 1 201.04.2003 17 25.00 25.44 25.22 1,999,680,760 2 201.04.2003 20 27.00 27.00 27.00 101,141,964 1 201.04.2003 28 27.00 36.00 30.36 1,034,698,940 6 301.04.2003 29 26.00 36.00 31.23 8,412,470,136 23 501.04.2003 49 26.50 26.66 26.58 1,999,484,960 4 201.04.2003 59 27.00 33.13 27.61 2,199,326,760 6 301.04.2003 90 33.00 33.11 33.06 29,859,516 2 201.04.2003 104 31.00 31.09 31.05 39,899,142 2 2

àÚÓ„Ó: 26,249,670,399 68 9

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

26.03.2003 15.00 24.03 23.49 26.73 30.00 43.04 17,486,705,86627.03.2003 23.24 23.38 28.18 30.61 32.22 35.60 22,652,269,44828.03.2003 21.35 23.43 24.33 24.92 29.90 36.06 83,129,647,71931.03.2003 22.46 23.36 23.05 29.34 30.00 30.00 36.61 81,225,149,08401.04.2003 18.00 22.52 23.41 29.16 27.12 33.06 31.05 43.56 31,389,497,949

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22 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

02.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

02.04.2003 Éäé 405 21 94,411.00 94,411.00 94,411.00 94,411.00 94,411.00 102.89 102.89 102.89 102,152,702 1,082 1 202.04.2003 Éäé 415 14 99,013.00 99,013.00 99,013.00 99,013.00 99,013.00 25.99 25.99 25.99 336,050,122 3,394 1 202.04.2003 Éäé 416 42 94,000.00 94,021.00 94,010.50 94,000.00 94,021.00 55.37 55.47 55.26 130,298,553 1,386 2 202.04.2003 Éäé 420 47 95,428.00 95,428.00 95,428.00 95,428.00 95,428.00 37.21 37.21 37.21 39,888,904 418 1 202.04.2003 Éäé 423 7 99,504.00 99,504.00 99,504.00 99,504.00 99,504.00 25.99 25.99 25.99 115,325,136 1,159 2 202.04.2003 Éäé 435 68 93,721.00 93,721.00 93,721.00 93,721.00 93,721.00 35.96 35.96 35.96 94,470,768 1,008 1 202.04.2003 Éäé 468 91 91,181.00 91,193.00 91,189.46 91,181.00 91,193.00 38.75 38.79 38.74 853,168,636 9,356 4 302.04.2003 Éäé 470 98 91,728.00 91,806.00 89,281.52 84,370.00 91,806.00 44.71 69.00 33.24 979,150,453 10,967 12 502.04.2003 Éäé 471 105 88,647.00 90,616.00 87,066.10 83,438.00 90,616.00 51.64 69.00 36.00 1,075,266,408 12,350 3 502.04.2003 Éäé 476 112 87,986.00 90,111.00 88,257.73 87,986.00 90,111.00 43.36 44.50 35.76 34,508,776 391 2 302.04.2003 Éäé 506 54 95,615.00 95,615.00 95,615.00 95,615.00 95,615.00 31.00 31.00 31.00 59,854,990 626 1 202.04.2003 Éäé 507 147 78,266.00 87,453.00 82,859.50 78,266.00 87,453.00 51.36 68.95 35.62 357,621,602 4,316 4 202.04.2003 Éäé 509 176 82,523.00 82,523.00 82,523.00 82,523.00 82,523.00 43.92 43.92 43.92 91,930,622 1,114 1 202.04.2003 Éäé 514 238 80,767.00 81,853.00 80,762.34 73,505.00 81,853.00 36.53 55.28 34.00 191,729,806 2,374 5 302.04.2003 Éäé 516 233 81,951.00 82,382.00 82,231.66 81,951.00 82,382.00 33.85 34.50 33.50 354,007,325 4,305 3 302.04.2003 Éäé 517 154 86,635.00 86,655.00 86,645.00 86,635.00 86,655.00 36.53 36.56 36.50 3,592,301,700 41,460 4 202.04.2003 Éäé 521 261 80,212.00 80,674.00 80,488.02 80,212.00 80,674.00 33.90 34.50 33.50 543,777,080 6,756 6 302.04.2003 Éäé 525 322 74,330.00 74,330.00 74,330.00 74,330.00 74,330.00 39.15 39.15 39.15 339,688,100 4,570 1 202.04.2003 Éäé 527 336 74,634.00 74,634.00 74,634.00 74,634.00 74,634.00 36.92 36.92 36.92 149,268 2 2 202.04.2003 Éäé 529 259 79,261.00 79,261.00 79,261.00 79,261.00 79,261.00 36.87 36.87 36.87 158,522 2 2 202.04.2003 Éäé 533 23 97,735.00 97,735.00 97,735.00 97,735.00 97,735.00 36.78 36.78 36.78 195,470 2 2 202.04.2003 Éäé 534 350 74,169.00 74,169.00 74,169.00 74,169.00 74,169.00 36.32 36.32 36.32 148,338 2 2 202.04.2003 Éäé 535 351 74,115.00 74,115.00 74,115.00 74,115.00 74,115.00 36.32 36.32 36.32 148,230 2 2 2

àÚÓ„Ó: 9,291,991,511 107,042 64 13

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0022..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 4400..3300 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

02.04.2003 1 17.00 22.00 19.19 303,829,960 4 302.04.2003 5 23.00 24.00 23.91 292,439,302 4 402.04.2003 6 23.00 24.52 23.76 39,944,256 2 202.04.2003 7 23.00 24.10 23.86 4,386,136,043 8 502.04.2003 16 23.00 23.00 23.00 73,292,338 1 202.04.2003 19 24.00 26.41 24.54 661,769,786 5 302.04.2003 23 28.00 28.33 28.08 159,858,252 4 202.04.2003 26 30.00 30.00 30.00 339,715,520 4 302.04.2003 27 29.00 34.00 31.99 2,358,936,026 13 502.04.2003 28 30.00 30.00 30.00 34,936,680 1 2

àÚÓ„Ó: 8,650,858,163 46 11

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

27.03.2003 23.24 23.38 28.18 30.61 32.22 35.60 22,652,269,44828.03.2003 21.35 23.43 24.33 24.92 29.90 36.06 83,129,647,71931.03.2003 22.46 23.36 23.05 29.34 30.00 30.00 36.61 81,225,149,08401.04.2003 18.00 22.52 23.41 29.16 27.12 33.06 31.05 43.56 31,389,497,94902.04.2003 19.19 23.86 30.07 40.29 17,944,142,874

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23Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

03.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

03.04.2003 Éäé 405 20 98,028.00 98,031.00 97,609.13 97,123.00 98,614.00 44.70 54.06 25.65 39,726,918 407 9 403.04.2003 Éäé 406 27 97,357.00 97,357.00 97,357.00 97,357.00 97,357.00 36.70 36.70 36.70 194,714 2 2 203.04.2003 Éäé 415 13 98,698.00 98,999.00 98,961.81 98,698.00 99,000.00 29.45 37.04 28.36 1,583,389 16 4 503.04.2003 Éäé 416 41 95,994.00 96,004.00 95,370.87 94,055.00 96,450.00 43.21 56.27 32.77 260,553,225 2,732 6 503.04.2003 Éäé 420 46 95,525.00 95,525.00 95,525.00 95,525.00 95,525.00 37.17 37.17 37.17 35,439,775 371 1 203.04.2003 Éäé 464 83 92,923.00 92,923.00 92,923.00 92,923.00 92,923.00 33.49 33.49 33.49 17,376,601 187 1 203.04.2003 Éäé 468 90 92,331.00 91,233.00 89,942.60 88,646.00 92,331.00 45.35 51.94 33.69 138,331,734 1,538 4 503.04.2003 Éäé 470 97 91,890.00 91,890.00 91,890.00 91,890.00 91,890.00 33.21 33.21 33.21 30,139,920 328 3 403.04.2003 Éäé 476 111 86,852.00 86,852.00 86,852.00 86,852.00 86,852.00 49.78 49.78 49.78 173,704 2 2 203.04.2003 Éäé 498 141 87,900.00 87,900.00 87,900.00 87,900.00 87,900.00 35.63 35.63 35.63 175,800 2 2 203.04.2003 Éäé 502 144 81,860.00 81,860.00 81,860.00 81,860.00 81,860.00 56.17 56.17 56.17 163,720 2 2 203.04.2003 Éäé 506 53 95,087.00 95,390.00 95,268.42 83,033.00 95,490.00 34.20 140.73 32.53 395,840,324 4,155 8 603.04.2003 Éäé 507 146 87,538.00 87,538.00 87,538.00 87,538.00 87,538.00 35.59 35.59 35.59 175,076 2 2 203.04.2003 Éäé 511 216 82,413.00 82,413.00 82,413.00 82,413.00 82,413.00 36.06 36.06 36.06 164,826 2 2 203.04.2003 Éäé 519 260 79,275.00 79,275.00 79,275.00 79,275.00 79,275.00 36.70 36.70 36.70 158,550 2 2 203.04.2003 Éäé 524 265 77,990.00 77,990.00 77,990.00 77,990.00 77,990.00 38.87 38.87 38.87 74,168,490 951 3 303.04.2003 Éäé 525 321 75,606.00 74,330.00 74,459.41 74,330.00 75,606.00 39.00 39.27 36.69 217,719,328 2,924 5 403.04.2003 Éäé 527 335 74,510.00 74,510.00 74,510.00 74,510.00 74,510.00 37.27 37.27 37.27 149,020 2 2 203.04.2003 Éäé 530 267 78,572.00 78,317.00 78,444.69 78,317.00 78,572.00 37.56 37.85 37.28 100,722,993 1,284 2 203.04.2003 Éäé 533 22 97,833.00 97,833.00 97,833.00 97,833.00 97,833.00 36.75 36.75 36.75 195,666 2 2 203.04.2003 Éäé 536 351 74,134.00 74,134.00 74,134.00 74,134.00 74,134.00 36.28 36.28 36.28 148,268 2 2 203.04.2003 äé çÅ êÅ 56 92 92,135.00 92,135.00 92,135.00 92,135.00 92,135.00 33.87 33.87 33.87 400,418,710 4,346 1 203.04.2003 ÉÑé 33 83 1,009,323.00 1,009,323.00 1,009,323.00 1,009,323.00 1,009,323.00 37.46 37.46 37.46 53,494,119 53 1 2

àÚÓ„Ó: 1,767,214,870 19,312 68 16

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0033..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3377..6688 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

03.04.2003 1 22.00 23.00 22.11 574,814,289 2 303.04.2003 4 22.00 22.00 22.00 4,962,060 1 203.04.2003 5 23.00 24.55 23.78 2,097,848,636 4 203.04.2003 6 23.00 26.00 25.68 579,899,292 3 303.04.2003 7 24.00 28.00 26.82 1,616,824,175 5 603.04.2003 8 24.00 24.00 24.00 12,497,040 1 203.04.2003 11 23.00 25.06 23.50 3,369,253,133 9 403.04.2003 14 23.00 23.77 23.39 19,867,912 2 203.04.2003 15 24.00 26.00 24.52 1,503,678,256 8 603.04.2003 18 23.00 24.50 24.09 692,236,070 6 203.04.2003 25 29.00 31.33 30.88 68,895,332 3 403.04.2003 26 29.00 33.00 31.00 721,023,904 4 203.04.2003 27 30.00 34.00 32.00 999,927,012 4 303.04.2003 29 29.00 29.00 29.00 89,427,364 3 403.04.2003 32 28.30 28.30 28.30 249,847,325 1 2

àÚÓ„Ó: 12,601,001,800 56 12

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

28.03.2003 21.35 23.43 24.33 24.92 29.90 36.06 83,129,647,71931.03.2003 22.46 23.36 23.05 29.34 30.00 30.00 36.61 81,225,149,08401.04.2003 18.00 22.52 23.41 29.16 27.12 33.06 31.05 43.56 31,389,497,94902.04.2003 19.19 23.86 30.07 40.29 17,944,142,87403.04.2003 22.11 25.18 23.50 27.64 28.30 37.68 14,368,216,670

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24 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

04.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

04.04.2003 Éäé 405 19 98,127.00 98,127.00 98,127.00 98,127.00 98,127.00 36.67 36.67 36.67 196,254 2 2 204.04.2003 Éäé 406 26 97,365.00 97,365.00 97,365.00 97,365.00 97,365.00 37.99 37.99 37.99 423,050,925 4,345 3 204.04.2003 Éäé 415 12 98,397.00 98,397.00 98,397.00 98,397.00 98,397.00 49.55 49.55 49.55 99,971,352 1,016 1 204.04.2003 Éäé 416 40 96,101.00 96,030.00 96,055.15 96,030.00 96,101.00 37.48 37.72 37.02 187,883,883 1,956 2 404.04.2003 Éäé 420 45 95,623.00 95,623.00 95,623.27 95,623.00 95,624.00 37.12 37.13 37.12 109,871,140 1,149 5 404.04.2003 Éäé 423 5 99,522.00 99,522.00 99,522.00 99,522.00 99,522.00 35.06 35.06 35.06 119,924,010 1,205 1 204.04.2003 Éäé 468 89 91,288.00 87,480.00 90,762.10 87,480.00 91,398.00 41.74 58.69 38.60 85,316,382 940 3 504.04.2003 Éäé 469 194 83,497.00 83,497.00 83,497.00 83,497.00 83,497.00 37.19 37.19 37.19 14,528,478 174 3 304.04.2003 Éäé 470 96 91,974.00 91,974.00 91,974.00 91,974.00 91,974.00 33.18 33.18 33.18 39,732,768 432 1 204.04.2003 Éäé 476 110 89,131.00 89,131.00 89,131.00 89,131.00 89,131.00 40.46 40.46 40.46 3,030,454 34 1 204.04.2003 Éäé 506 52 95,090.00 95,530.00 95,337.07 94,900.00 95,530.00 34.33 37.72 32.84 1,876,614,966 19,684 11 704.04.2003 Éäé 511 215 82,495.00 82,495.00 82,495.00 82,495.00 82,495.00 36.02 36.02 36.02 164,990 2 2 204.04.2003 Éäé 519 259 79,000.00 79,000.00 79,000.00 79,000.00 79,000.00 37.46 37.46 37.46 99,461,000 1,259 1 204.04.2003 Éäé 524 264 77,990.00 77,990.00 77,990.00 77,990.00 77,990.00 39.02 39.02 39.02 155,980 2 2 204.04.2003 Éäé 527 334 74,785.00 74,785.00 74,785.00 74,785.00 74,785.00 36.85 36.85 36.85 299,140 4 3 304.04.2003 Éäé 533 21 97,932.00 97,932.00 97,932.00 97,932.00 97,932.00 36.70 36.70 36.70 195,864 2 2 204.04.2003 Éäé 535 349 74,262.00 74,262.00 74,262.00 74,262.00 74,262.00 36.25 36.25 36.25 148,524 2 2 204.04.2003 Éäé 536 350 74,208.00 74,208.00 74,208.00 74,208.00 74,208.00 36.25 36.25 36.25 148,416 2 2 204.04.2003 ÉÑé 33 82 1,010,359.00 1,010,359.00 1,010,359.00 1,010,359.00 1,010,359.00 37.42 37.42 37.42 101,035,900 100 1 2

àÚÓ„Ó: 3,161,730,426 32,310 48 16

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0044..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3366..0022 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

04.04.2003 3 23.00 24.00 23.41 1,208,890,693 8 604.04.2003 4 23.00 25.00 24.74 229,919,295 2 304.04.2003 6 25.00 26.00 25.65 294,967,451 3 304.04.2003 7 25.00 26.10 25.48 194,796,108 3 404.04.2003 11 25.00 25.00 25.00 54,988,128 1 204.04.2003 14 24.00 25.54 24.96 767,988,860 6 504.04.2003 17 24.00 25.44 25.06 239,766,636 4 304.04.2003 20 27.00 27.39 27.08 126,265,810 3 304.04.2003 25 31.00 31.34 31.16 199,764,780 4 204.04.2003 26 28.00 34.00 31.00 539,884,740 2 304.04.2003 31 28.50 31.26 30.15 127,245,842 3 404.04.2003 38 31.50 31.50 31.50 640,649,849 2 204.04.2003 40 31.50 34.00 32.75 2,839,657,262 6 304.04.2003 42 30.00 34.00 32.00 749,797,632 2 3

àÚÓ„Ó: 8,214,583,086 49 12

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

31.03.2003 22.46 23.36 23.05 29.34 30.00 30.00 36.61 81,225,149,08401.04.2003 18.00 22.52 23.41 29.16 27.12 33.06 31.05 43.56 31,389,497,94902.04.2003 19.19 23.86 30.07 40.29 17,944,142,87403.04.2003 22.11 25.18 23.50 27.64 28.30 37.68 14,368,216,67004.04.2003 23.41 25.31 24.97 29.29 32.36 36.02 11,376,313,512

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25Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

07.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

07.04.2003 Éäé 405 16 98,423.00 98,423.00 98,423.00 98,423.00 98,423.00 36.55 36.55 36.55 196,846 2 2 207.04.2003 Éäé 415 9 99,266.00 99,265.00 98,802.55 98,306.00 99,266.00 49.15 69.88 29.99 1,604,849,841 16,243 17 307.04.2003 Éäé 416 37 96,031.00 96,031.00 96,031.00 96,031.00 96,031.00 40.77 40.77 40.77 172,663,738 1,798 2 307.04.2003 Éäé 420 42 95,915.00 95,915.00 95,915.00 95,915.00 95,915.00 37.01 37.01 37.01 70,113,865 731 3 307.04.2003 Éäé 423 2 99,718.00 99,718.00 99,718.00 99,718.00 99,718.00 51.61 51.61 51.61 120,160,190 1,205 2 207.04.2003 Éäé 453 44 95,651.00 95,651.00 95,651.00 95,651.00 95,651.00 37.72 37.72 37.72 152,658,996 1,596 1 207.04.2003 Éäé 460 65 93,975.00 94,454.00 94,214.75 93,975.00 94,454.00 34.48 36.00 32.97 197,097,257 2,092 4 207.04.2003 Éäé 462 72 93,369.00 93,857.00 93,584.28 93,369.00 93,857.00 34.75 36.00 33.18 71,685,562 766 4 207.04.2003 Éäé 464 79 92,413.00 92,413.00 92,413.00 92,413.00 92,413.00 37.93 37.93 37.93 184,826 2 2 307.04.2003 Éäé 468 86 91,447.00 88,160.00 88,530.19 88,160.00 91,584.00 54.99 57.00 39.00 8,941,550 101 4 507.04.2003 Éäé 469 191 83,952.00 83,952.00 83,952.00 83,952.00 83,952.00 36.53 36.53 36.53 73,458,000 875 4 207.04.2003 Éäé 470 93 92,225.00 92,011.00 92,129.02 92,011.00 92,225.00 33.53 34.08 33.09 171,636,371 1,863 6 707.04.2003 Éäé 471 100 91,639.00 91,639.00 91,639.00 91,639.00 91,639.00 33.30 33.30 33.30 183,278 2 2 207.04.2003 Éäé 499 140 88,000.00 88,000.00 88,000.00 88,000.00 88,000.00 35.55 35.55 35.55 176,000 2 2 207.04.2003 Éäé 506 49 95,458.00 95,640.00 95,599.55 95,458.00 95,640.00 34.29 35.44 33.96 860,396 9 3 407.04.2003 Éäé 507 142 87,800.00 87,800.00 87,800.00 87,800.00 87,800.00 35.72 35.72 35.72 175,600 2 2 207.04.2003 Éäé 511 212 82,382.00 82,739.00 82,560.50 82,382.00 82,739.00 36.37 36.82 35.92 295,236,348 3,576 4 207.04.2003 Éäé 520 235 80,965.00 80,965.00 80,972.26 80,965.00 80,982.00 36.50 36.52 36.48 696,037,598 8,596 6 307.04.2003 Éäé 523 310 76,100.00 76,100.00 76,100.00 76,100.00 76,100.00 36.98 36.98 36.98 152,200 2 2 207.04.2003 Éäé 524 261 79,100.00 79,100.00 79,100.00 79,100.00 79,100.00 36.95 36.95 36.95 158,200 2 2 207.04.2003 Éäé 526 324 75,402.00 75,402.00 75,181.01 74,926.00 75,402.00 37.19 37.70 36.75 357,410,532 4,754 8 307.04.2003 Éäé 527 331 75,012.00 75,012.00 75,012.00 75,012.00 75,012.00 36.73 36.73 36.73 150,024 2 2 207.04.2003 Éäé 529 254 79,661.00 79,661.00 79,661.00 79,661.00 79,661.00 36.69 36.69 36.69 159,322 2 2 207.04.2003 Éäé 532 289 77,000.00 77,000.00 77,000.00 77,000.00 77,000.00 37.73 37.73 37.73 154,000 2 2 207.04.2003 Éäé 533 18 98,227.00 98,227.00 98,227.00 98,227.00 98,227.00 36.60 36.60 36.60 196,454 2 2 207.04.2003 Éäé 536 347 74,429.00 74,429.00 74,429.00 74,429.00 74,429.00 36.14 36.14 36.14 148,858 2 2 207.04.2003 Éäé 540 350 74,338.00 74,338.00 74,338.00 74,338.00 74,338.00 36.00 36.00 36.00 299,805,154 4,033 1 2

àÚÓ„Ó: 4,294,651,006 48,262 93 14

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0077..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 4411..6699 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

07.04.2003 4 22.00 25.00 23.74 102,532,242 2 307.04.2003 7 24.00 27.00 25.91 1,184,518,284 11 707.04.2003 10 26.00 26.00 26.00 139,957,248 1 207.04.2003 14 24.00 28.00 24.80 770,950,474 12 607.04.2003 15 24.00 24.00 24.00 124,435,775 2 307.04.2003 17 27.00 28.00 27.50 48,897,683 2 407.04.2003 22 28.00 28.35 28.12 149,394,382 3 307.04.2003 23 31.00 31.34 31.17 179,843,902 2 207.04.2003 25 27.00 27.31 27.16 31,891,740 2 207.04.2003 30 32.00 32.27 32.14 99,883,718 2 207.04.2003 37 30.00 37.00 33.50 342,958,000 2 307.04.2003 43 28.00 28.18 28.09 79,909,208 2 207.04.2003 44 31.00 40.30 35.65 299,992,000 2 3

àÚÓ„Ó: 3,555,164,656 45 13

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

01.04.2003 18.00 22.52 23.41 29.16 27.12 33.06 31.05 43.56 31,389,497,94902.04.2003 19.19 23.86 30.07 40.29 17,944,142,87403.04.2003 22.11 25.18 23.50 27.64 28.30 37.68 14,368,216,67004.04.2003 23.41 25.31 24.97 29.29 32.36 36.02 11,376,313,51207.04.2003 25.74 24.98 28.71 33.79 41.69 7,849,815,662

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26 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

08.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

08.04.2003 Éäé 406 22 97,846.00 97,846.00 97,846.00 97,846.00 97,846.00 36.52 36.52 36.52 195,692 2 2 208.04.2003 Éäé 415 8 99,412.00 99,412.00 99,412.00 99,412.00 99,412.00 26.99 26.99 26.99 2,485,300 25 1 208.04.2003 Éäé 420 41 96,012.00 96,012.00 96,012.00 96,012.00 96,012.00 36.98 36.98 36.98 192,024 2 2 208.04.2003 Éäé 453 43 96,257.00 95,437.00 95,444.88 95,437.00 96,277.00 40.51 40.58 32.82 341,406,369 3,577 3 308.04.2003 Éäé 460 64 94,560.00 94,560.00 94,560.00 94,560.00 94,560.00 32.81 32.81 32.81 5,200,800 55 1 208.04.2003 Éäé 464 78 93,787.00 93,787.00 93,787.00 93,787.00 93,787.00 31.00 31.00 31.00 18,288,465 195 1 208.04.2003 Éäé 468 85 91,063.00 92,863.00 92,033.75 87,925.00 92,863.00 37.17 58.97 33.00 482,993,159 5,248 7 608.04.2003 Éäé 470 92 87,438.00 87,438.00 87,438.00 87,438.00 87,438.00 57.00 57.00 57.00 20,460,492 234 1 208.04.2003 Éäé 471 99 91,723.00 91,723.00 91,723.00 91,723.00 91,723.00 33.27 33.27 33.27 366,892 4 3 408.04.2003 Éäé 476 106 91,075.00 91,075.00 91,075.00 91,075.00 91,075.00 33.74 33.74 33.74 182,150 2 2 208.04.2003 Éäé 482 113 90,450.00 90,450.00 90,450.00 90,450.00 90,450.00 34.10 34.10 34.10 180,900 2 2 208.04.2003 Éäé 498 136 87,297.00 88,092.00 87,933.00 87,297.00 88,092.00 36.83 39.05 36.28 879,330 10 3 308.04.2003 Éäé 499 139 88,150.00 88,150.00 88,150.00 88,150.00 88,150.00 35.30 35.30 35.30 176,300 2 2 208.04.2003 Éäé 506 48 95,550.00 95,550.00 95,550.00 95,550.00 95,550.00 35.41 35.41 35.41 191,100 2 2 208.04.2003 Éäé 507 141 87,965.00 87,965.00 87,965.00 87,965.00 87,965.00 35.42 35.42 35.42 175,930 2 2 208.04.2003 Éäé 509 170 85,493.00 85,493.00 85,493.00 85,493.00 85,493.00 36.43 36.43 36.43 50,440,870 590 1 208.04.2003 Éäé 511 211 82,820.00 82,820.00 82,820.00 82,820.00 82,820.00 35.88 35.88 35.88 165,640 2 2 208.04.2003 Éäé 520 234 80,965.00 80,965.00 80,965.00 80,965.00 80,965.00 36.67 36.67 36.67 161,930 2 2 208.04.2003 Éäé 525 316 75,900.00 75,986.00 75,824.33 74,310.00 75,986.00 36.83 39.93 36.50 330,594,120 4,360 5 508.04.2003 Éäé 533 17 98,326.00 98,326.00 98,326.00 98,326.00 98,326.00 36.55 36.55 36.55 196,652 2 2 2

àÚÓ„Ó: 1,254,934,115 14,318 46 14

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0088..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3388..1155 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

08.04.2003 1 20.00 20.00 20.00 1,277,166,338 4 308.04.2003 3 24.00 24.00 24.00 67,603,800 2 208.04.2003 6 23.00 23.00 23.00 50,441,195 1 208.04.2003 7 25.00 26.00 25.51 845,208,873 7 608.04.2003 15 28.00 28.51 28.26 401,795,290 2 208.04.2003 16 28.00 28.00 28.00 24,474,840 1 208.04.2003 24 28.00 28.42 28.21 38,908,720 2 208.04.2003 34 29.00 29.00 29.00 74,034,219 1 208.04.2003 37 29.00 29.00 29.00 224,956,116 1 2

àÚÓ„Ó: 3,004,589,391 21 9

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

02.04.2003 19.19 23.86 30.07 40.29 17,944,142,87403.04.2003 22.11 25.18 23.50 27.64 28.30 37.68 14,368,216,67004.04.2003 23.41 25.31 24.97 29.29 32.36 36.02 11,376,313,51207.04.2003 25.74 24.98 28.71 33.79 41.69 7,849,815,66208.04.2003 20.20 25.37 28.24 29.00 29.79 4,611,831,631

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27Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

09.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

09.04.2003 Éäé 406 21 97,924.00 97,944.00 97,934.00 97,924.00 97,944.00 36.67 36.85 36.49 9,597,532 98 2 209.04.2003 Éäé 420 40 96,109.00 96,109.00 96,109.00 96,109.00 96,109.00 36.94 36.94 36.94 192,218 2 2 209.04.2003 Éäé 451 49 95,713.00 95,713.00 95,713.00 95,713.00 95,713.00 33.36 33.36 33.36 191,426 2 2 209.04.2003 Éäé 462 70 94,008.00 94,028.00 94,018.00 94,008.00 94,028.00 33.18 33.24 33.12 3,196,612 34 2 209.04.2003 Éäé 464 77 93,676.00 93,676.00 93,676.00 93,676.00 93,676.00 32.00 32.00 32.00 225,009,752 2,402 2 309.04.2003 Éäé 470 91 92,392.00 92,611.00 92,537.23 92,345.00 92,611.00 32.35 33.25 32.00 215,149,065 2,325 6 409.04.2003 Éäé 471 98 91,806.00 91,806.00 91,806.00 91,806.00 91,806.00 33.24 33.24 33.24 183,612 2 2 209.04.2003 Éäé 476 105 91,080.00 91,080.00 91,080.00 91,080.00 91,080.00 34.04 34.04 34.04 182,160 2 2 209.04.2003 Éäé 495 13 98,823.00 98,823.00 98,823.00 98,823.00 98,823.00 33.44 33.44 33.44 197,646 2 2 209.04.2003 Éäé 498 135 87,375.00 90,095.00 88,735.00 87,375.00 90,095.00 34.32 39.07 29.72 354,940 4 4 309.04.2003 Éäé 499 138 88,150.00 88,150.00 88,150.00 88,150.00 88,150.00 35.56 35.56 35.56 176,300 2 2 209.04.2003 Éäé 506 47 96,040.00 96,040.00 96,040.00 96,040.00 96,040.00 32.02 32.02 32.02 19,304,040 201 1 209.04.2003 Éäé 507 140 87,631.00 77,555.00 82,951.43 77,555.00 88,051.00 53.58 75.45 35.38 258,725,538 3,119 7 509.04.2003 Éäé 509 169 85,493.00 85,493.00 85,495.85 85,493.00 85,747.00 36.64 36.65 35.90 45,654,786 534 4 409.04.2003 Éäé 513 224 78,014.00 78,014.00 78,014.00 78,014.00 78,014.00 45.92 45.92 45.92 11,468,058 147 1 209.04.2003 Éäé 514 231 81,332.00 81,352.00 81,342.00 81,332.00 81,352.00 36.24 36.27 36.22 181,392,660 2,230 2 309.04.2003 Éäé 520 233 80,453.00 80,453.00 80,453.00 80,453.00 80,453.00 38.06 38.06 38.06 160,906 2 2 209.04.2003 Éäé 524 259 78,358.00 78,358.00 78,358.00 78,358.00 78,358.00 38.92 38.92 38.92 156,716 2 2 209.04.2003 Éäé 525 315 76,060.00 76,060.00 76,060.00 76,060.00 76,060.00 36.47 36.47 36.47 155,086,340 2,039 3 309.04.2003 Éäé 542 13 98,742.00 98,742.00 98,742.00 98,742.00 98,742.00 35.77 35.77 35.77 197,484 2 2 2

àÚÓ„Ó: 1,126,577,791 13,151 52 12

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 0099..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3388..7700 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

09.04.2003 1 19.00 19.00 19.00 579,825,888 3 209.04.2003 7 25.00 26.14 25.57 80,178,504 2 209.04.2003 9 25.00 26.00 25.27 136,036,680 2 409.04.2003 12 26.00 26.60 26.26 1,519,752,760 5 309.04.2003 26 27.00 27.00 27.00 55,947,612 1 209.04.2003 29 29.00 29.38 29.19 17,851,680 2 209.04.2003 37 29.40 29.40 29.40 74,094,000 1 209.04.2003 40 28.00 28.23 28.12 37,925,272 2 2

àÚÓ„Ó: 2,501,612,396 18 8

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

03.04.2003 22.11 25.18 23.50 27.64 28.30 37.68 14,368,216,67004.04.2003 23.41 25.31 24.97 29.29 32.36 36.02 11,376,313,51207.04.2003 25.74 24.98 28.71 33.79 41.69 7,849,815,66208.04.2003 20.20 25.37 28.24 29.00 29.79 4,611,831,63109.04.2003 19.00 25.57 26.18 27.53 28.96 33.39 3,807,391,932

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28 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

10.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

10.04.2003 Éäé 405 13 98,719.00 98,719.00 98,719.00 98,719.00 98,719.00 36.43 36.43 36.43 197,438 2 2 210.04.2003 Éäé 415 6 98,774.00 98,774.00 98,774.00 98,774.00 98,774.00 75.51 75.51 75.51 100,354,384 1,016 1 210.04.2003 Éäé 416 34 96,600.00 96,600.00 96,600.00 96,600.00 96,600.00 37.78 37.78 37.78 193,200 2 2 210.04.2003 Éäé 420 39 95,618.00 96,200.00 95,963.66 95,618.00 96,205.00 39.36 42.89 36.92 452,180,790 4,712 5 310.04.2003 Éäé 438 41 95,823.00 95,937.00 95,860.94 95,803.00 95,937.00 38.44 39.00 37.70 212,427,860 2,216 4 310.04.2003 Éäé 451 48 95,801.00 95,801.00 95,801.00 95,801.00 95,801.00 33.33 33.33 33.33 191,602 2 2 210.04.2003 Éäé 452 55 94,807.00 94,787.00 94,787.03 94,787.00 94,807.00 36.50 36.50 36.35 101,137,769 1,067 3 310.04.2003 Éäé 462 69 93,598.00 93,578.00 93,578.02 93,578.00 93,598.00 36.30 36.30 36.18 143,829,426 1,537 3 310.04.2003 Éäé 464 76 93,520.00 93,753.00 93,749.97 93,520.00 93,753.00 32.02 33.28 32.00 21,656,244 231 2 410.04.2003 Éäé 468 83 86,678.00 92,927.00 87,433.24 86,678.00 92,927.00 63.21 67.59 33.47 234,233,661 2,679 3 310.04.2003 Éäé 469 188 84,230.00 84,230.00 84,230.00 84,230.00 84,230.00 36.35 36.35 36.35 336,920 4 2 210.04.2003 Éäé 470 90 92,475.00 87,499.00 89,513.50 87,499.00 92,475.00 47.51 57.94 33.00 51,738,806 578 3 210.04.2003 Éäé 471 97 91,890.00 91,890.00 91,890.00 91,890.00 91,890.00 33.21 33.21 33.21 183,780 2 2 210.04.2003 Éäé 507 139 81,413.00 88,136.00 85,660.35 81,413.00 88,136.00 43.96 59.95 35.35 447,832,344 5,228 5 510.04.2003 Éäé 509 168 85,323.00 80,785.00 82,457.91 80,688.00 85,540.00 46.22 52.00 36.73 121,213,134 1,470 5 610.04.2003 Éäé 513 223 81,946.00 81,948.00 81,689.74 81,420.00 81,948.00 36.69 37.35 36.06 547,239,630 6,699 6 410.04.2003 Éäé 514 230 82,142.00 70,314.00 80,350.94 70,314.00 83,219.00 38.81 67.00 32.00 475,597,232 5,919 3 410.04.2003 Éäé 518 237 80,284.00 80,304.00 80,294.00 80,284.00 80,304.00 37.80 37.82 37.77 219,363,208 2,732 2 210.04.2003 Éäé 524 258 79,432.00 79,432.00 79,432.00 79,432.00 79,432.00 36.63 36.63 36.63 6,990,016 88 1 210.04.2003 Éäé 527 328 74,790.00 75,238.00 74,961.14 74,615.00 75,238.00 37.17 37.86 36.62 423,380,522 5,648 6 210.04.2003 Éäé 528 335 74,500.00 74,500.00 74,500.00 74,500.00 74,500.00 37.29 37.29 37.29 149,000 2 2 210.04.2003 Éäé 531 342 74,468.00 74,468.00 74,468.00 74,468.00 74,468.00 36.59 36.59 36.59 148,936 2 2 210.04.2003 Éäé 534 342 74,759.00 74,759.00 74,759.00 74,759.00 74,759.00 36.03 36.03 36.03 149,518 2 2 210.04.2003 Éäé 535 343 74,705.00 74,705.00 74,705.00 74,705.00 74,705.00 36.03 36.03 36.03 149,410 2 2 210.04.2003 Éäé 539 349 74,491.00 74,491.00 74,491.00 74,491.00 74,491.00 35.81 35.81 35.81 196,954,204 2,644 1 210.04.2003 Éäé 542 12 98,839.00 98,839.00 98,839.00 98,839.00 98,839.00 35.73 35.73 35.73 197,678 2 2 2

àÚÓ„Ó: 3,758,026,712 44,486 73 14

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 1100..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 4411..4422 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

10.04.2003 1 20.00 20.00 20.00 504,848,966 1 210.04.2003 4 23.00 27.00 26.01 899,316,846 6 410.04.2003 5 27.00 30.00 28.82 265,327,887 3 410.04.2003 7 30.00 30.00 30.00 287,047,758 2 310.04.2003 11 25.00 25.80 25.40 63,626,696 2 210.04.2003 12 26.00 26.80 26.40 39,962,580 2 210.04.2003 13 27.00 27.00 27.00 75,720,498 1 210.04.2003 18 28.00 28.00 28.00 9,951,466 1 210.04.2003 20 26.00 32.00 29.20 2,702,687,122 13 910.04.2003 27 27.00 27.32 27.16 51,872,996 2 210.04.2003 42 29.40 29.40 29.40 74,401,656 1 2

àÚÓ„Ó: 4,974,764,471 34 12

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

04.04.2003 23.41 25.31 24.97 29.29 32.36 36.02 11,376,313,51207.04.2003 25.74 24.98 28.71 33.79 41.69 7,849,815,66208.04.2003 20.20 25.37 28.24 29.00 29.79 4,611,831,63109.04.2003 19.00 25.57 26.18 27.53 28.96 33.39 3,807,391,93210.04.2003 20.00 27.31 26.30 29.16 29.40 40.91 8,779,040,158

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29Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

11.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

11.04.2003 Éäé 415 5 99,499.00 99,499.00 99,499.00 99,499.00 99,499.00 36.76 36.76 36.76 1,591,984 16 1 211.04.2003 Éäé 420 38 96,094.00 96,304.00 96,198.13 96,094.00 96,304.00 37.96 39.04 36.86 184,796,626 1,921 3 311.04.2003 Éäé 438 40 94,179.00 96,418.00 96,182.31 94,179.00 96,418.00 36.22 56.40 33.90 1,827,464 19 3 311.04.2003 Éäé 451 47 95,888.00 95,888.00 95,888.00 95,888.00 95,888.00 33.30 33.30 33.30 191,776 2 2 211.04.2003 Éäé 468 82 88,507.00 88,507.00 88,507.00 88,507.00 88,507.00 57.80 57.80 57.80 44,961,556 508 4 211.04.2003 Éäé 470 89 92,559.00 92,556.00 92,556.01 92,556.00 92,559.00 32.98 32.98 32.97 32,024,382 346 3 411.04.2003 Éäé 471 96 91,974.00 91,974.00 91,974.00 91,974.00 91,974.00 33.18 33.18 33.18 183,948 2 2 211.04.2003 Éäé 499 136 88,312.00 88,312.00 88,312.00 88,312.00 88,312.00 35.52 35.52 35.52 176,624 2 2 211.04.2003 Éäé 502 136 88,349.00 88,349.00 88,349.00 88,349.00 88,349.00 35.39 35.39 35.39 245,963,616 2,784 1 211.04.2003 Éäé 507 138 82,270.00 88,221.00 85,140.03 82,270.00 88,221.00 46.16 57.00 35.31 79,265,369 931 2 311.04.2003 Éäé 509 167 86,006.00 85,540.00 84,792.49 81,014.00 86,006.00 39.20 51.22 35.56 93,526,126 1,103 4 411.04.2003 Éäé 511 208 83,065.00 83,065.00 83,065.00 83,065.00 83,065.00 35.78 35.78 35.78 166,130 2 2 211.04.2003 Éäé 513 222 82,029.00 82,029.00 82,029.00 82,029.00 82,029.00 36.02 36.02 36.02 5,577,972 68 1 211.04.2003 Éäé 514 229 81,493.00 81,513.00 81,503.00 81,493.00 81,513.00 36.17 36.20 36.15 181,751,690 2,230 2 211.04.2003 Éäé 523 306 76,260.00 76,260.00 76,260.00 76,260.00 76,260.00 37.13 37.13 37.13 152,520 2 2 211.04.2003 Éäé 525 313 76,214.00 74,705.00 75,184.96 74,685.00 76,214.00 38.49 39.53 36.39 208,939,021 2,779 8 411.04.2003 Éäé 526 320 75,450.00 75,450.00 75,450.00 75,450.00 75,450.00 37.11 37.11 37.11 150,900 2 2 211.04.2003 Éäé 527 327 75,294.00 75,314.00 75,304.00 75,294.00 75,314.00 36.61 36.63 36.59 10,090,736 134 2 211.04.2003 Éäé 528 334 74,575.00 74,575.00 74,575.00 74,575.00 74,575.00 37.26 37.26 37.26 149,150 2 2 211.04.2003 Éäé 533 14 98,621.00 98,621.00 98,621.00 98,621.00 98,621.00 36.46 36.46 36.46 197,242 2 2 211.04.2003 Éäé 542 11 98,935.00 98,935.00 98,935.00 98,935.00 98,935.00 35.72 35.72 35.72 197,870 2 2 211.04.2003 Éäé 543 70 93,559.00 93,559.00 93,559.00 93,559.00 93,559.00 35.90 35.90 35.90 187,118 2 2 211.04.2003 Éäé 544 98 91,209.00 91,209.00 91,209.00 91,209.00 91,209.00 35.90 35.90 35.90 182,418 2 2 2

àÚÓ„Ó: 1,092,252,238 12,861 56 11

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 1111..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3388..5533 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

11.04.2003 3 22.00 55.00 49.81 4,021,854,622 7 711.04.2003 7 26.00 31.11 29.27 149,825,480 4 311.04.2003 10 25.00 32.00 26.04 155,237,122 3 411.04.2003 11 27.00 31.70 27.86 2,299,545,210 6 311.04.2003 12 27.52 27.52 27.52 74,401,410 1 211.04.2003 13 27.00 27.62 27.31 259,906,902 2 211.04.2003 17 28.00 33.00 29.09 611,278,652 4 311.04.2003 19 33.00 33.00 33.00 49,942,200 1 211.04.2003 38 28.00 28.25 28.12 112,151,482 4 211.04.2003 69 33.00 33.00 33.00 296,929,272 1 2

àÚÓ„Ó: 8,031,072,352 33 11

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

07.04.2003 25.74 24.98 28.71 33.79 41.69 7,849,815,66208.04.2003 20.20 25.37 28.24 29.00 29.79 4,611,831,63109.04.2003 19.00 25.57 26.18 27.53 28.96 33.39 3,807,391,93210.04.2003 20.00 27.31 26.30 29.16 29.40 40.91 8,779,040,15811.04.2003 49.81 29.27 27.70 29.39 28.12 33.00 35.69 9,210,007,780

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30 Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

14.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

14.04.2003 Éäé 405 9 99,113.00 99,113.00 99,113.00 99,113.00 99,113.00 36.29 36.29 36.29 198,226 2 2 214.04.2003 Éäé 406 16 98,434.00 98,434.00 98,434.00 98,434.00 98,434.00 36.29 36.29 36.29 102,272,926 1,039 3 314.04.2003 Éäé 415 2 99,295.00 99,295.00 99,295.00 99,295.00 99,295.00 129.58 129.58 129.58 25,022,340 252 1 214.04.2003 Éäé 420 35 96,161.00 96,161.00 96,161.00 96,161.00 96,161.00 41.63 41.63 41.63 40,099,137 417 1 214.04.2003 Éäé 438 37 95,718.00 96,856.00 96,287.00 95,718.00 96,856.00 38.04 44.13 32.02 385,148 4 3 314.04.2003 Éäé 462 65 94,054.00 94,054.00 94,054.00 94,054.00 94,054.00 35.50 35.50 35.50 1,504,864 16 1 214.04.2003 Éäé 468 79 93,268.00 88,001.00 91,679.29 88,001.00 93,268.00 41.93 63.00 33.35 66,925,884 730 5 414.04.2003 Éäé 471 93 92,225.00 92,225.00 92,225.00 92,225.00 92,225.00 33.09 33.09 33.09 184,450 2 2 214.04.2003 Éäé 506 42 95,800.00 95,800.00 95,800.00 95,800.00 95,800.00 38.10 38.10 38.10 191,600 2 2 214.04.2003 Éäé 507 135 88,238.00 88,406.00 88,299.37 88,238.00 88,406.00 35.83 36.04 35.46 121,941,430 1,381 4 514.04.2003 Éäé 508 156 86,505.00 86,505.00 86,505.00 86,505.00 86,505.00 36.50 36.50 36.50 146,193,450 1,690 1 214.04.2003 Éäé 509 164 85,493.00 85,681.00 83,531.74 80,474.00 86,260.00 43.88 54.00 35.45 194,545,434 2,329 7 614.04.2003 Éäé 511 205 83,309.00 83,309.00 83,309.00 83,309.00 83,309.00 35.67 35.67 35.67 166,618 2 2 214.04.2003 Éäé 514 226 81,735.00 81,755.00 81,745.00 81,735.00 81,755.00 36.07 36.09 36.04 182,291,350 2,230 2 214.04.2003 Éäé 516 221 82,030.00 82,030.00 82,030.00 82,030.00 82,030.00 36.18 36.18 36.18 164,060 2 2 214.04.2003 Éäé 520 228 81,516.00 81,516.00 81,516.00 81,516.00 81,516.00 36.30 36.30 36.30 81,516 1 1 214.04.2003 Éäé 523 303 76,479.00 76,479.00 76,479.00 76,479.00 76,479.00 37.05 37.05 37.05 152,958 2 2 214.04.2003 Éäé 524 254 79,494.00 79,762.00 79,652.00 79,432.00 79,762.00 36.71 37.21 36.46 317,492,876 3,986 5 514.04.2003 Éäé 525 310 76,050.00 76,000.00 76,000.23 76,000.00 76,050.00 37.18 37.18 37.08 32,072,100 422 3 214.04.2003 Éäé 526 317 75,600.00 75,600.00 75,600.00 75,600.00 75,600.00 37.16 37.16 37.16 151,200 2 2 214.04.2003 Éäé 527 324 75,315.00 75,315.00 75,315.00 75,315.00 75,315.00 36.92 36.92 36.92 150,630 2 2 214.04.2003 Éäé 530 256 79,164.00 78,856.00 79,009.74 78,836.00 79,184.00 37.88 38.28 37.48 203,529,104 2,576 4 214.04.2003 Éäé 533 11 98,917.00 98,917.00 98,917.00 98,917.00 98,917.00 36.33 36.33 36.33 197,834 2 2 214.04.2003 Éäé 539 345 74,779.00 74,779.00 74,779.00 74,779.00 74,779.00 35.68 35.68 35.68 149,558 2 2 214.04.2003 Éäé 542 8 99,226.00 99,226.00 99,226.00 99,226.00 99,226.00 35.59 35.59 35.59 198,452 2 2 214.04.2003 ÉÑé 36 88 999,800.00 1,000,000.00 999,900.00 999,800.00 1,000,000.00 38.70 38.75 38.65 1,999,800,000 2,000 2 2

àÚÓ„Ó: 3,436,063,145 19,095 65 12

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 1144..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3399..1100 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

14.04.2003 1 47.00 47.00 47.00 267,982,416 1 214.04.2003 2 44.00 44.00 44.00 92,458,848 1 214.04.2003 3 30.00 43.00 32.17 1,091,817,774 3 314.04.2003 4 31.00 45.00 41.18 2,841,759,705 19 1014.04.2003 7 30.00 55.00 49.92 3,097,920,780 6 514.04.2003 14 30.00 31.00 30.28 914,866,623 3 414.04.2003 18 30.00 30.40 30.20 899,863,620 2 214.04.2003 28 31.00 31.27 31.14 351,248,304 2 214.04.2003 29 29.40 29.40 29.40 74,468,604 1 214.04.2003 36 30.00 30.21 30.11 159,918,150 2 214.04.2003 37 32.00 32.23 32.12 109,933,888 2 214.04.2003 126 23.00 23.00 23.00 218,213,820 1 214.04.2003 217 23.00 23.00 23.00 104,731,355 1 214.04.2003 242 23.00 23.00 23.00 88,423,710 1 214.04.2003 338 23.00 23.00 23.00 303,178,370 1 214.04.2003 354 23.00 23.00 23.00 302,949,000 1 2

àÚÓ„Ó: 10,919,734,967 47 13

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

08.04.2003 20.20 25.37 28.24 29.00 29.79 4,611,831,63109.04.2003 19.00 25.57 26.18 27.53 28.96 33.39 3,807,391,93210.04.2003 20.00 27.31 26.30 29.16 29.40 40.91 8,779,040,15811.04.2003 49.81 29.27 27.70 29.39 28.12 33.00 35.69 9,210,007,78014.04.2003 35.66 45.74 30.28 30.40 30.92 23.00 38.07 14,448,617,132

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31Банковский вестник, 11’2003

СПРАВОЧНОЕ БЮРО

15.04.2003ë‰ÂÎÍË “Ñé èéÉÄòÖçàü”

чڇ Çˉ ÑÌÂÈ ñ Â Ì ‡ Ò ‰ Â Î Ó Í ÑÓıÓ‰Ì. Í ÔÓ„. ÔÓ ˆÂÌ é·ÓÓÚ ‚Ôӂ‰ÂÌËfl ˆÂÌÌÓÈ ‰Ó

ÚÓ„Ó‚ ·Ûχ„Ë ÔÓ„. ÓÚÍ˚ÚËfl Á‡Í˚ÚËfl ҉̂Á‚. ÏËÌËχθ̇fl χÍÒËχθ̇fl Ò. ‚Á. ÏËÌ. χÍÒ. Û·Îflı ¯ÚÛ͇ı

15.04.2003 Éäé 405 8 99,211.00 99,211.00 99,211.00 99,211.00 99,211.00 36.28 36.28 36.28 198,422 2 2 215.04.2003 Éäé 420 34 96,693.00 96,693.00 96,693.00 96,693.00 96,693.00 36.72 36.72 36.72 193,386 2 2 215.04.2003 Éäé 438 36 96,776.00 96,776.00 96,614.71 96,104.00 96,776.00 35.53 41.10 33.78 377,570,302 3,908 11 415.04.2003 Éäé 453 36 96,105.00 96,105.00 96,105.00 96,105.00 96,105.00 41.09 41.09 41.09 340,500,015 3,543 1 215.04.2003 Éäé 462 64 93,900.00 93,900.00 93,900.00 93,900.00 93,900.00 37.05 37.05 37.05 1,878,000 20 1 215.04.2003 Éäé 464 71 93,946.00 93,946.00 93,946.00 93,946.00 93,946.00 33.13 33.13 33.13 375,784 4 1 215.04.2003 Éäé 468 78 93,260.00 88,652.00 89,384.27 88,652.00 93,260.00 55.58 59.90 33.82 23,061,144 258 2 415.04.2003 Éäé 470 85 92,894.00 87,410.00 87,549.67 87,410.00 92,894.00 61.07 61.85 32.85 37,646,361 430 4 415.04.2003 Éäé 471 92 92,308.00 92,308.00 92,308.00 92,308.00 92,308.00 33.06 33.06 33.06 184,616 2 2 215.04.2003 Éäé 509 163 86,342.00 86,342.00 86,342.00 86,342.00 86,342.00 35.42 35.42 35.42 50,769,096 588 1 215.04.2003 Éäé 511 204 83,390.00 83,390.00 83,390.00 83,390.00 83,390.00 35.64 35.64 35.64 166,780 2 2 215.04.2003 Éäé 514 225 82,884.00 82,884.00 82,884.00 82,884.00 82,884.00 33.50 33.50 33.50 10,111,848 122 1 215.04.2003 Éäé 518 232 80,504.00 81,229.00 80,866.50 80,504.00 81,229.00 37.22 38.10 36.36 309,556,962 3,828 6 215.04.2003 Éäé 520 227 81,490.00 81,490.00 81,490.00 81,490.00 81,490.00 36.52 36.52 36.52 31,455,140 386 1 215.04.2003 Éäé 523 302 76,607.00 76,607.00 76,607.00 76,607.00 76,607.00 36.91 36.91 36.91 153,214 2 2 215.04.2003 Éäé 525 309 76,200.00 76,200.00 76,200.00 76,200.00 76,200.00 36.89 36.89 36.89 152,400 2 2 215.04.2003 Éäé 526 316 75,700.00 76,009.00 75,652.88 75,133.00 76,009.00 37.17 38.23 36.46 216,367,246 2,860 10 315.04.2003 Éäé 529 246 80,302.00 80,302.00 80,302.00 80,302.00 80,302.00 36.40 36.40 36.40 160,604 2 2 215.04.2003 Éäé 533 10 99,015.00 99,015.00 99,015.00 99,015.00 99,015.00 36.31 36.31 36.31 198,030 2 2 215.04.2003 Éäé 542 7 99,322.00 99,322.00 99,322.00 99,322.00 99,322.00 35.59 35.59 35.59 198,644 2 2 215.04.2003 Éäé 545 358 73,960.00 73,982.00 73,971.00 73,960.00 73,982.00 35.88 35.90 35.86 200,017,584 2,704 2 215.04.2003 äé çÅ êÅ 56 80 93,144.00 93,144.00 93,144.00 93,144.00 93,144.00 33.58 33.58 33.58 186,288 2 2 2

àÚÓ„Ó: 1,601,101,866 18,671 61 11

ààÌÌÚÚ„„ËËÓÓ‚‚‡‡ÌÌÌ̇‡flfl ‰‰ÓÓııÓÓ‰‰ÌÌÓÓÒÒÚÚ¸̧ ˚̊ÌÌÍ͇‡ Ì̇‡ 1155..0044..22000033 ÒÒÓÓÒÒÚÚ‡‡‚‚ËËη‡ 3388..2200 %%

ë‰ÂÎÍË êÖèé

чڇ ëÓÍ êÖèé, ÑÓıÓ‰ÌÓÒÚ¸, % „Ó‰. é·ÓÓÚ ‚ Û·Îflı óËÒÎÓ äÓÎ-‚ÓÔӂ‰ÂÌËfl ‰ÌÂÈ ÔÓ ÔflÏÓÈ Ò‰ÂÎÍ ҉ÂÎÓÍ Û˜‡ÒÚ.

ÚÓ„Ó‚ ÏËÌ. χÍÒ. Ò.‚Á.

15.04.2003 2 35.00 45.00 40.43 539,273,424 10 315.04.2003 3 45.00 45.00 45.00 190,318,400 3 415.04.2003 6 42.00 45.00 43.07 690,457,415 3 315.04.2003 7 30.00 34.32 31.00 239,730,550 4 415.04.2003 30 30.00 34.25 34.05 546,724,542 4 415.04.2003 91 32.00 32.09 32.05 79,887,620 2 2

àÚÓ„Ó: 2,286,391,951 26 8

ë‰Ì‚Á‚¯ÂÌ̇fl ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï êÖèé àÌÚ„ËÓ‚‡Ì̇fl é·˙ÂÏ Ò‰ÂÎÓÍ,чڇ ‰ÓıÓ‰ÌÓÒÚ¸ ÔÓ Ò‰ÂÎÍ‡Ï Û·.

1-3 ‰Ì. 4-7 ‰Ì. 8-14 ‰Ì. 15-30 ‰Ì. 31-60 ‰Ì. 61-90 ‰Ì. ·ÓΠ90 ‰Ì. ‰Ó ÔÓ„‡¯ÂÌËfl

09.04.2003 19.00 25.57 26.18 27.53 28.96 33.39 3,807,391,93210.04.2003 20.00 27.31 26.30 29.16 29.40 40.91 8,779,040,15811.04.2003 49.81 29.27 27.70 29.39 28.12 33.00 35.69 9,210,007,78014.04.2003 35.66 45.74 30.28 30.40 30.92 23.00 38.07 14,448,617,13215.04.2003 41.62 39.96 34.05 32.05 21.38 5,147,635,642

óËÒÎ

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.

32 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èéëíÄçéÇãÖçàÖ臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

6 χڇ 2003 „. ‹ 38

é· ÛÚ‚ÂʉÂÌËË àÌÒÚÛ͈ËË ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı

Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ç‡ ÓÒÌÓ‚‡ÌËË ÒÚ‡ÚÂÈ 26, 197 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·-

ÎËÍË Å·ÛÒ¸ 臂ÎÂÌË 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸ èéëíÄçéÇãüÖí:

1. ìڂ‰ËÚ¸ ÔË·„‡ÂÏÛ˛ àÌÒÚÛÍˆË˛ ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡-˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚.

2. ãÓ͇θÌ˚ ÌÓχÚË‚Ì˚ ԇ‚Ó‚˚ ‡ÍÚ˚ ·‡ÌÍÓ‚ êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸, „ÛÎËÛ˛˘Ë ÛÒÎÓ‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚, ÔË‚ÂÒÚË ‚ ÒÓÓÚ-‚ÂÚÒÚ‚ËÂ Ò àÌÒÚÛ͈ËÂÈ ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ëҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ‰Ó 1 ˲Ìfl 2003 „.

3. ÇÒ ÒÂÚËÙË͇Ú˚, ‚˚ÔÛ˘ÂÌÌ˚ ·‡Ì͇ÏË ‰Ó ‚ÒÚÛÔÎÂÌËfl ‚ÒËÎÛ Ì‡ÒÚÓfl˘Â„Ó ÔÓÒÚ‡ÌÓ‚ÎÂÌËfl, ÓÒÚ‡˛ÚÒfl ‚ Ó·‡˘ÂÌËË ‰Ó ̇-ÒÚÛÔÎÂÌËfl ÒÓ͇ ‚ÓÁ‚‡Ú‡ ‚Í·‰‡ (‰ÂÔÓÁËÚ‡).

4. èËÁ̇ڸ ÛÚ‡ÚË‚¯ËÏ ÒËÎÛ ÔÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl ç‡-ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 24 χfl 2001 „. ‹ 118“é· ÛÚ‚ÂʉÂÌËË è‡‚ËÎ ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ‰ÂÔÓÁËÚÌ˚ı Ëҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸” (燈ËÓ̇θÌ˚È ÂÂÒÚ Ô‡‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸, 2001 „., ‹ 62, 8/6243).

5. ç‡ÒÚÓfl˘Â ÔÓÒÚ‡ÌÓ‚ÎÂÌË ‚ÒÚÛÔ‡ÂÚ ‚ ÒËÎÛ ÒÓ ‰Ìfl „ÓÓÙˈˇθÌÓ„Ó ÓÔÛ·ÎËÍÓ‚‡ÌËfl.

è‰Ò‰‡ÚÂθ 臂ÎÂÌËfl è.è. èÓÍÓÔӂ˘

á‡Â„ËÒÚËÓ‚‡ÌÓ‚ 燈ËÓ̇θÌÓÏ ÂÂÒÚ ԇ‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ 21 χڇ 2003 „. ‹ 8/9270

ìíÇÖêÜÑÖçé

èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

6 χڇ 2003 „. ‹ 38

àÌÒÚÛ͈ËflÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ àÌÒÚÛ͈Ëfl ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡-

ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ (‰‡Î — àÌÒÚÛ͈Ëfl) „ÛÎËÛÂÚ ÔÓfl-‰ÓÍ Ë ÛÒÎÓ‚Ëfl Ó·‡˘ÂÌËfl ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚË-ÙË͇ÚÓ‚ (‰‡Î — ÒÂÚËÙË͇Ú˚) ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸.

É·‚‡ 1鷢ˠÔÓÎÓÊÂÌËfl1. ŇÌÍË Ë Ì·‡ÌÍÓ‚ÒÍˠ͉ËÚÌÓ-ÙË̇ÌÒÓ‚˚ ӄ‡ÌËÁ‡ˆËË

êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰‡Î — ·‡ÌÍË) ÔË Ì‡Î˘ËË ÒÓÓÚ‚ÂÚÒÚ-‚Û˛˘Ëı ÎˈÂÌÁËÓÌÌ˚ı ÔÓÎÌÓÏÓ˜ËÈ ÏÓ„ÛÚ ‚˚ÔÛÒ͇ڸ ÒÎÂ‰Û˛˘Ë‚ˉ˚ ÒÂÚËÙË͇ÚÓ‚: ‰ÂÔÓÁËÚÌ˚Â Ë Ò·Â„‡ÚÂθÌ˚Â.

2. ëÂÚËÙË͇Ú˚ ÏÓ„ÛÚ ·˚Ú¸ ÚÓθÍÓ ËÏÂÌÌ˚ÏË.3. ëÂÚËÙË͇Ú˚ ‚˚ÔÛÒ͇˛ÚÒfl ÚÓθÍÓ ‚ ‰ÓÍÛÏÂÌÚ‡ÌÓÈ ÙÓ-

ÏÂ.4. ëÂÚËÙË͇Ú˚ ‰ÓÎÊÌ˚ ·˚Ú¸ ÒÓ˜Ì˚ÏË. Ç˚ÔÛÒÍ ÒÂÚËÙË-

͇ÚÓ‚ ‰Ó ‚ÓÒÚ·ӂ‡ÌËfl Ì ‰ÓÔÛÒ͇ÂÚÒfl.5. ç ‰ÓÔÛÒ͇ÂÚÒfl ÔÂ͇˘ÂÌË ӷflÁ‡ÚÂθÒÚ‚‡ Ò ËÒÔÓθÁÓ-

‚‡ÌËÂÏ ÒÂÚËÙË͇ڇ ÔË ‡Ò˜ÂÚ‡ı Á‡ ÔÓ‰‡ÌÌ˚ ÚÓ‚‡˚ ËÎËÓ͇Á‡ÌÌ˚ ÛÒÎÛ„Ë, ÍÓÏ ÛÒÎÛ„ ·‡ÌÍÓ‚, ‚ ÔÓfl‰ÍÂ, Ô‰ÛÒÏÓÚ-ÂÌÌÓÏ „·‚ÓÈ 7 ̇ÒÚÓfl˘ÂÈ àÌÒÚÛ͈ËË.

6. èÂËӉ˘ÌÓÒÚ¸ ‚˚Ô·Ú˚ ÔÓˆÂÌÚÓ‚ ÔÓ ÒÂÚËÙË͇ÚÛ ÓÔÂ-‰ÂÎflÂÚÒfl ·‡ÌÍÓÏ ‚ ÒÂÚËÙË͇ÚÂ: ÂÊÂÏÂÒfl˜ÌÓ ËÎË Ó‰ÌÓ‚ÂÏÂÌ-ÌÓ Ò ÔÓ„‡¯ÂÌËÂÏ ÒÂÚËÙË͇ڇ ÔË Â„Ó Ô‰˙fl‚ÎÂÌËË.

ç ‰ÓÔÛÒ͇ÂÚÒfl ÌÛ΂‡fl ÔÓˆÂÌÚ̇fl ÒÚ‡‚͇ ÔÓ ÒÂÚËÙË͇ÚÛ.Ç ÒÎÛ˜‡Â, ÂÒÎË ÒÓÍ ‚ÓÁ‚‡Ú‡ ‚Í·‰‡ (‰ÂÔÓÁËÚ‡) ÔÓ ÒÂÚË-

ÙË͇ÚÛ ÒÓ‚Ô‡‰‡ÂÚ Ò ‚˚ıÓ‰Ì˚Ï ËÎË Ô‡Á‰Ì˘Ì˚Ï ‰ÌÂÏ, ÚÓ ÔÓ„‡-¯ÂÌË ÒÂÚËÙË͇ڇ ÔÓËÁ‚Ó‰ËÚÒfl ‚ Ô‚˚È ‡·Ó˜ËÈ ‰Â̸, ÒÎÂ-‰Û˛˘ËÈ Á‡ ÌËÏ, Ò Ì‡˜ËÒÎÂÌËÂÏ ÔÓˆÂÌÚÓ‚ Á‡ ‚˚ıÓ‰Ì˚ (Ô‡Á‰-Ì˘Ì˚Â) ‰ÌË.

7. ëÂÚËÙË͇Ú˚ ‚˚ÔÛÒ͇˛ÚÒfl ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı. Ç˚ÔÛÒÍÒÂÚËÙË͇ÚÓ‚ ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú Ì ‰ÓÔÛÒ͇ÂÚÒfl.

8. ëÓ·ÒÚ‚ÂÌÌË͇ÏË ÒÂÚËÙË͇ÚÓ‚ ÏÓ„ÛÚ ·˚Ú¸ ÂÁˉÂÌÚ˚ ËÌÂÂÁˉÂÌÚ˚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡-ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

9. ê‡Ò˜ÂÚ˚ ÔÓ ‚˚ÔÛÒÍÛ, Ó·‡˘ÂÌ˲ Ë ÔÓ„‡¯ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ıÒÂÚËÙË͇ÚÓ‚ ÓÒÛ˘ÂÒÚ‚Îfl˛ÚÒfl ÚÓθÍÓ ‚ ·ÂÁ̇΢ÌÓÏ ÔÓfl‰Í ÒËÒÔÓθÁÓ‚‡ÌËÂÏ ÚÂÍÛ˘Ëı (‡Ò˜ÂÚÌ˚ı) Ò˜ÂÚÓ‚.

ê‡Ò˜ÂÚ˚ ÔÓ ‚˚ÔÛÒÍÛ, Ó·‡˘ÂÌ˲ Ë ÔÓ„‡¯ÂÌ˲ ҷ„‡ÚÂθ-Ì˚ı ÒÂÚËÙË͇ÚÓ‚ ÓÒÛ˘ÂÒÚ‚Îfl˛ÚÒfl Í‡Í ‚ ·ÂÁ̇΢ÌÓÏ ÔÓfl‰ÍÂ,Ú‡Í Ë Ì‡Î˘Ì˚ÏË ‰ÂÌÂÊÌ˚ÏË Ò‰ÒÚ‚‡ÏË ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓ-ÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

10. ëÂÚËÙËÍ‡Ú fl‚ÎflÂÚÒfl ·ÂÁÛÒÎÓ‚Ì˚Ï Ó·flÁ‡ÚÂθÒÚ‚ÓÏ ·‡Ì-͇ ‚ÂÌÛÚ¸ ÒÛÏÏÛ, ‚ÌÂÒÂÌÌÛ˛ ‚Ó ‚Í·‰ (‰ÂÔÓÁËÚ), Ë ‚˚Ô·ÚËÚ¸Ô˘ËÚ‡˛˘ËÂÒfl ÔÓˆÂÌÚ˚.

ëÂÚËÙËÍ‡Ú ‰ÓÎÊÂÌ ·˚Ú¸ ÔÓ‰ÔËÒ‡Ì ÒÓ·ÒÚ‚ÂÌÌÓÛ˜ÌÓ ÎˈÓÏ,ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚Ï ·‡ÌÍÓÏ Ì‡ ÔÓ‰ÔËÒ‡ÌË ڇÍÓ„Ó Ó‰‡ Ó·flÁ‡-ÚÂθÒÚ‚, Ë ÒÍÂÔÎÂÌ Ô˜‡Ú¸˛ ·‡Ì͇. ÑÓÔÛÒ͇ÂÚÒfl ËÒÔÓθÁÓ‚‡ÌËÂÙ‡ÍÒËÏËθÌÓ„Ó ‚ÓÒÔÓËÁ‚‰ÂÌËfl ÔÓ‰ÔËÒË Ò ÔÓÏÓ˘¸˛ Ò‰ÒÚ‚

33Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ÏÂı‡Ì˘ÂÒÍÓ„Ó ËÎË ËÌÓ„Ó ÍÓÔËÓ‚‡ÌËfl, ÎË·Ó ËÌÓ„Ó ‡Ì‡ÎÓ„‡ ÒÓ·-ÒÚ‚ÂÌÌÓÛ˜ÌÓÈ ÔÓ‰ÔËÒË.

ŇÌÍ ‚Ô‡‚ ‚Íβ˜ËÚ¸ ‚ ÚÂÍÒÚ ÒÂÚËÙË͇ڇ ‰ÓÔÓÎÌËÚÂθ-Ì˚ ÛÒÎÓ‚Ëfl Ë ÂÍ‚ËÁËÚ˚, ÍÓÚÓ˚ Ì ÔÓÚË‚Ó˜‡Ú Á‡ÍÓÌÓ‰‡-ÚÂθÒÚ‚Û êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

11. ŇÌÍ Ó·flÁ‡Ì Ò‡ÏÓÒÚÓflÚÂθÌÓ ‡Á‡·ÓÚ‡Ú¸ Ë Ûڂ‰ËÚ¸ÎÓ͇θÌ˚ ÌÓχÚË‚Ì˚ ԇ‚Ó‚˚ ‡ÍÚ˚, ÓÔ‰ÂÎfl˛˘Ë ÛÒÎÓ-‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ‰Îfl Í‡Ê‰Ó„Ó ‚ˉ‡ ‚˚ÔÛÒ͇ÂÏ˚ı ÒÂ-ÚËÙË͇ÚÓ‚, ‚ÌÛÚÂÌÌË Ôӈ‰Û˚ Ôӂ‰ÂÌËfl ÓÔ‡ˆËÈ Ò ÒÂ-ÚËÙË͇ڇÏË Ë Ôӈ‰ÛÛ ÓÔ‰ÂÎÂÌËfl Ô‡‚ÓÒÔÓÒÓ·ÌÓÒÚË Îˈ‡,Ô‰˙fl‚Ë‚¯Â„Ó ÒÂÚËÙËÍ‡Ú Í ÔÓ„‡¯ÂÌ˲, ‡ Ú‡ÍÊ ÓÔ‰ÂÎÂÌËflÒÚÓËÏÓÒÚË ÔËÌËχÂÏ˚ı ‚ Á‡ÎÓ„ ÒÂÚËÙË͇ÚÓ‚ ÔË ËÒÔÓθÁÓ‚‡-ÌËË ÒÂÚËÙË͇ڇ ‚ ͇˜ÂÒÚ‚Â Ó·ÂÒÔ˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡-ÚÂθÒÚ‚ Ô‰ ·‡ÌÍÓÏ.

ãÓ͇θÌ˚ ÌÓχÚË‚Ì˚ ԇ‚Ó‚˚ ‡ÍÚ˚, ÓÔ‰ÂÎfl˛˘Ë ÛÒ-ÎÓ‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚,‰ÓÎÊÌ˚ ÒÓ‰Âʇڸ:

ÔÓfl‰ÓÍ ‚ÌÂÒÂÌËfl ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ‚Ó ‚Í·‰ (‰ÂÔÓÁËÚ);ÔÓfl‰ÓÍ ‚ÓÁ‚‡Ú‡ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ÙËÁ˘ÂÒÍËÏ Îˈ‡Ï ‚

ÒÎÛ˜‡Â ‰ÓÒÓ˜ÌÓ„Ó ‡ÒÚÓÊÂÌËfl ‰Ó„Ó‚Ó‡;ÔÓfl‰ÓÍ ‚ÓÁ‚‡Ú‡ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ÙËÁ˘ÂÒÍËÏ Îˈ‡Ï Ë

ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ ÒÚÓÓÌ ‚ ÒÎÛ˜‡Â ÌÂËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚‡.è˜ËÒÎÂÌÌ˚ ÛÒÎÓ‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ҷ„‡ÚÂθ-

Ì˚ı ÒÂÚËÙË͇ÚÓ‚ ÏÓ„ÛÚ ·˚Ú¸ ‚Íβ˜ÂÌ˚ ‚ ÚÂÍÒÚ ÒÂÚËÙË͇ڇ.ãÓ͇θÌ˚ ÌÓχÚË‚Ì˚ ԇ‚Ó‚˚ ‡ÍÚ˚, Û͇Á‡ÌÌ˚ ‚ ˜‡ÒÚË

Ô‚ÓÈ Ì‡ÒÚÓfl˘Â„Ó ÔÛÌÍÚ‡, ‰ÓÎÊÌ˚ ÛÚ‚Âʉ‡Ú¸Òfl ÛÔÓÎÌÓÏÓ-˜ÂÌÌ˚Ï Ó„‡ÌÓÏ (‰ÓÎÊÌÓÒÚÌ˚Ï ÎˈÓÏ) ·‡Ì͇.

12. ŇÌÍ Ó·flÁ‡Ì ÓÁ̇ÍÓÏËÚ¸ ‚Í·‰˜ËÍÓ‚ Ò ÛÚ‚ÂʉÂÌÌ˚ÏËËÏ ÎÓ͇θÌ˚ÏË ÌÓχÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË, ÓÔ‰ÂÎfl˛-˘ËÏË ÛÒÎÓ‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ÒÂÚËÙË͇ÚÓ‚, Ó ˜ÂÏ ÏÓÊÂÚ·˚Ú¸ ҉·̇ Á‡ÔËÒ¸ ‚ ÚÂÍÒÚ ÒÂÚËÙË͇ڇ, ÔÓ‰Ú‚ÂʉÂÌ̇flÒÓ·ÒÚ‚ÂÌÌÓÛ˜ÌÓÈ ÔÓ‰ÔËÒ¸˛ ‚Í·‰˜Ë͇ ËÎË Â„Ó Ô‰ÒÚ‡‚ËÚÂÎfl.

13. Ç ÒÎÛ˜‡Â ÛÚ‡Ú˚ ÒÂÚËÙË͇ڇ ÒÓ·ÒÚ‚ÂÌÌËÍ ‚Ô‡‚ ӷ‡-ÚËÚ¸Òfl ‚ ·‡ÌÍ, ‚˚‰‡‚¯ËÈ ÒÂÚËÙË͇Ú, Ò ÔËÒ¸ÏÂÌÌ˚Ï Á‡fl‚ÎÂÌË-ÂÏ Ó· ÛÚ‡Ú ÒÂÚËÙË͇ڇ Ë Ò ÔÓÒ¸·ÓÈ Ó ‚˚‰‡˜Â ‰Û·ÎË͇ڇ. ÖÒ-ÎË Ì‡ Á‡fl‚ÎÂÌÌÓ Ú·ӂ‡ÌË Á‡ÍÓÌÌ˚Ï ‰ÂʇÚÂÎÂÏ ÒÂÚËÙË-͇ڇ ÔÓÎÛ˜ÂÌ ÓÚ͇Á, ÓÌ ‚Ô‡‚ ӷʇÎÓ‚‡Ú¸ Â„Ó ‚ Òۉ·ÌÓÏ ÔÓ-fl‰ÍÂ.

ÑÛ·ÎËÍ‡Ú ÓÙÓÏÎflÂÚÒfl ̇ ÌÓ‚ÓÏ ·Î‡ÌÍ ÒÂÚËÙË͇ڇ Ò ÔÓ-ÒÚ‡‚ÎÂÌËÂÏ ÓÚÏÂÚÍË:”ÑÛ·ÎËÍ‡Ú ÒÂÚËÙË͇ڇ ________________” Ë

(ÒÂËfl, ÌÓÏÂ)Á‡ÔÓÎÌÂÌËÂÏ ÂÍ‚ËÁËÚÓ‚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÂÍ‚ËÁËÚ‡ÏË Ô‚Ó-̇˜‡Î¸ÌÓ ‚˚‰‡ÌÌÓ„Ó ÒÂÚËÙË͇ڇ. Ç ÒÎÛ˜‡Â ÂÒÎË Ô‡‚‡ ÔÓ ÛÚÂ-flÌÌÓÏÛ ÒÂÚËÙË͇ÚÛ Ô‰‡‚‡ÎËÒ¸ Ò ÓÙÓÏÎÂÌËÂÏ ‰Ó„Ó‚Ó‡ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl, ÂÍ‚ËÁËÚ˚, Û͇Á‡ÌÌ˚ ‚ ‰Â‚flÚÓÏ, ‰ÂÒflÚÓÏË Ó‰ËÌ̇‰ˆ‡ÚÓÏ ‡·Á‡ˆ‡ı ˜‡ÒÚË ÚÂÚ¸ÂÈ ÒÚ‡Ú¸Ë 197 ŇÌÍÓ‚ÒÍÓ„ÓÍÓ‰ÂÍÒ‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, Á‡ÔÓÎÌfl˛ÚÒfl Ò Û͇Á‡ÌËÂÏ ‰‡Ì-Ì˚ı ÔÓÒΉÌÂ„Ó ÒÓ·ÒÚ‚ÂÌÌË͇ ÒÂÚËÙË͇ڇ.

É·‚‡ 2í·ӂ‡ÌËfl Í ·Î‡ÌÍÛ ÒÂÚËÙË͇ڇ Ë ÔÓfl‰ÓÍ Â„ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚14. Å·ÌÍË ÒÂÚËÙË͇ڇ Ë ‰ÓÔÓÎÌËÚÂθÌÓ„Ó ÎËÒÚ‡ Í ÒÂÚË-

ÙË͇ÚÛ ‰ÓÎÊÌ˚ ӷ·‰‡Ú¸ ÓÔ‰ÂÎÂÌÌÓÈ ÒÚÂÔÂ̸˛ Á‡˘ËÚ˚ ÓÚÔÓ‰‰ÂÎÍË ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò èÓÎÓÊÂÌËÂÏ Ó· ÓÒÌÓ‚Ì˚ı Ú·ӂ‡-ÌËflı, Ô‰˙fl‚ÎflÂÏ˚ı Í ÛÓ‚Ì˛ Á‡˘Ë˘ÂÌÌÓÒÚË ·Î‡ÌÍÓ‚ ÒÚÓ„ÓÈÓÚ˜ÂÚÌÓÒÚË, ‡ Ú‡ÍÊ ÒÔˆˇθÌ˚Ï Ï‡ÚÂË‡Î‡Ï ‰Îfl Á‡˘ËÚ˚ Ëı ÓÚÔÓ‰‰ÂÎÍË, ÛÚ‚ÂʉÂÌÌ˚Ï ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ åËÌËÒÚÂÒÚ‚‡ ÙË-̇ÌÒÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 1 χڇ 2002 „. ‹ 29 (燈ËÓ-̇θÌ˚È ÂÂÒÚ Ô‡‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, 2002 „.,‹ 32, 8/7851), ˜ÚÓ ÔÓ‰Ú‚Âʉ‡ÂÚÒfl ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÏ Á‡Íβ˜Â-ÌËÂÏ ˝ÍÒÔÂÚËÁ˚ ç‡Û˜ÌÓ-ËÒÒΉӂ‡ÚÂθÒÍÓ„Ó ËÌÒÚËÚÛÚ‡ ÔÓ-·ÎÂÏ ÍËÏËÌÓÎÓ„ËË, ÍËÏË̇ÎËÒÚËÍË Ë Òۉ·ÌÓÈ ˝ÍÒÔÂÚËÁ˚åËÌËÒÚÂÒÚ‚‡ ˛ÒÚˈËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

15. Å·ÌÍË ÒÂÚËÙË͇ڇ Ë ‰ÓÔÓÎÌËÚÂθÌÓ„Ó ÎËÒÚ‡ Í ÒÂÚË-ÙË͇ÚÛ ‰ÓÎÊÌ˚ ·˚Ú¸ Á‡Â„ËÒÚËÓ‚‡Ì˚ ‚ ÉÓÒÛ‰‡ÒÚ‚ÂÌÌÓÏ Â-ÂÒÚ ·Î‡ÌÍÓ‚ ÒÚÓ„ÓÈ ÓÚ˜ÂÚÌÓÒÚË ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò èÓÎÓÊÂÌË-ÂÏ Ó ÉÓÒÛ‰‡ÒÚ‚ÂÌÌÓÏ ÂÂÒÚ ·Î‡ÌÍÓ‚ ÒÚÓ„ÓÈ ÓÚ˜ÂÚÌÓÒÚË, ÛÚ-‚ÂʉÂÌÌ˚Ï ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ ëÓ‚ÂÚ‡ åËÌËÒÚÓ‚ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ ÓÚ 22 ‰Â͇·fl 2001 „. ‹ 1846 (燈ËÓ̇θÌ˚È ÂÂÒÚÔ‡‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, 2002 „., ‹ 2, 5/9648).

16. 燈ËÓ̇θÌ˚È ·‡ÌÍ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰‡Î — ç‡-ˆËÓ̇θÌ˚È ·‡ÌÍ) ÔËÒ‚‡Ë‚‡ÂÚ ·Î‡ÌÍ‡Ï ÒÂÚËÙË͇ÚÓ‚ ˉÂÌÚË-

ÙË͇ˆËÓÌÌ˚ ÌÓχ Ë ‚‰ÂÚ ÂÂÒÚ˚ ·Î‡ÌÍÓ‚ ‰ÂÔÓÁËÚÌ˚ı Ëҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚.

ÑÎfl „ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚ ·‡ÌÍÛ ÌÂÓ·ıÓ‰ËÏÓÔ‰ÒÚ‡‚ËÚ¸ ‚ 燈ËÓ̇θÌ˚È ·‡ÌÍ:

ÔËÒ¸ÏÓ Ò ÔÓÒ¸·ÓÈ Ó Â„ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚, ÒÓ-‰Âʇ˘Â ËÌÙÓχˆË˛ Ó ÍÓ΢ÂÒÚ‚Â ·Î‡ÌÍÓ‚, ÔÓ‰ÎÂʇ˘Ëı Â-„ËÒÚ‡ˆËË;

Ó·‡Áˆ ·Î‡Ì͇ ÒÂÚËÙË͇ڇ, ÒÂËÈ̇fl Ô‡ÚËfl ÍÓÚÓÓ„ÓÔÓ‰ÎÂÊËÚ Â„ËÒÚ‡ˆËË;

ÍÒÂÓÍÓÔ˲ Á‡Íβ˜ÂÌËfl ç‡Û˜ÌÓ-ËÒÒΉӂ‡ÚÂθÒÍÓ„Ó ËÌ-ÒÚËÚÛÚ‡ ÔÓ·ÎÂÏ ÍËÏËÌÓÎÓ„ËË, ÍËÏË̇ÎËÒÚËÍË Ë Òۉ·ÌÓÈ˝ÍÒÔÂÚËÁ˚ åËÌËÒÚÂÒÚ‚‡ ˛ÒÚˈËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ó Á‡-˘ËÚ ÓÚ ÔÓ‰‰ÂÎÍË ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚, ÔÓ‰ÎÂʇ˘Ëı „ËÒÚ-‡ˆËË.

17. 燈ËÓ̇θÌ˚È ·‡ÌÍ ‡ÒÒχÚË‚‡ÂÚ ‚ÓÁÏÓÊÌÓÒÚ¸ „ËÒÚ-‡ˆËË ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚ ‚ Ú˜ÂÌË 15 ‡·Ó˜Ëı ‰ÌÂÈ.

燈ËÓ̇θÌ˚È ·‡ÌÍ ÓÚ͇Á˚‚‡ÂÚ ·‡ÌÍÛ ‚ „ËÒÚ‡ˆËË ·Î‡Ì-ÍÓ‚ ÒÂÚËÙË͇ÚÓ‚ ÔÓ Ô˘ËÌ‡Ï ÌÂÒÓÓÚ‚ÂÚÒÚ‚Ëfl Ó·‡Áˆ‡ ·Î‡Ì͇ÒÂÚËÙË͇ڇ Ú·ӂ‡ÌËflÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚‡ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸.

燈ËÓ̇θÌ˚È ·‡ÌÍ ÓÚ͇Á˚‚‡ÂÚ ·‡ÌÍÛ ‚ „ËÒÚ‡ˆËË ·Î‡Ì-ÍÓ‚ ҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ‚ ÒÎÛ˜‡Â Ô‚˚¯ÂÌËfl ˝ÍÓÌÓ-Ï˘ÂÒÍÓ„Ó ÌÓχÚË‚‡ χÍÒËχθÌÓ„Ó ‡Áχ Ô˂ΘÂÌÌ˚ıÒ‰ÒÚ‚ ÙËÁ˘ÂÒÍËı Îˈ ÔÓ ÒÓÒÚÓflÌ˲ ̇ 1- ˜ËÒÎÓ ÏÂÒflˆ‡Ô‰ÒÚ‡‚ÎÂÌËfl ‰ÓÍÛÏÂÌÚÓ‚ ̇ „ËÒÚ‡ˆË˛ ·Î‡ÌÍÓ‚ ÒÂÚËÙË-͇ÚÓ‚.

18. èË ÓÚÒÛÚÒÚ‚ËË ÔÂÚÂÌÁËÈ Í ·‡ÌÍÛ Ë Ô‰ÒÚ‡‚ÎÂÌÌ˚Ï ËωÓÍÛÏÂÌÚ‡Ï ç‡ˆËÓ̇θÌ˚È ·‡ÌÍ ÔËÒ‚‡Ë‚‡ÂÚ Ë‰ÂÌÚËÙË͇ˆËÓÌ-Ì˚ ÌÓχ Á‡fl‚ÎÂÌÌÓÏÛ ÍÓ΢ÂÒÚ‚Û ·Î‡ÌÍÓ‚ ÒÂÚËÙË͇ÚÓ‚ Ë‚˚‰‡ÂÚ Ò‚Ë‰ÂÚÂθÒÚ‚Ó Ó Â„ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ‰ÂÔÓÁËÚÌ˚ı ËÎËҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ÔÓ ÙÓÏ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲1 ËÎË 2 Í Ì‡ÒÚÓfl˘ÂÈ àÌÒÚÛ͈ËË.

à‰ÂÌÚËÙË͇ˆËÓÌÌ˚È ÌÓÏ ·Î‡Ì͇ ÒÂÚËÙË͇ڇ ÒÓÒÚÓËÚ ËÁÒÂËË Ë ÌÓχ Ë ÒÓ‰ÂÊËÚ ÒÎÂ‰Û˛˘Û˛ ËÌÙÓχˆË˛:

‰ÂÔÓÁËÚÌÓ„Ó — BY CD LLL ZZ XXXXXX,ҷ„‡ÚÂθÌÓ„Ó — BY CS KKK ZZ XXXXXX,„‰Â BY ëD ËÎË BY CS — ÍÓ‰ ÒÂÚËÙË͇ڇ ·‡Ì͇ êÂÒÔÛ·ÎËÍË

Å·ÛÒ¸;LLL — ÌÓÏ ӷ˘ÂÈ ÎˈÂÌÁËË ·‡Ì͇;KKK — ÌÓÏ ÎˈÂÌÁËË ·‡Ì͇ ̇ Ô˂ΘÂÌË ‚Ó ‚Í·‰˚

Ò‰ÒÚ‚ ÙËÁ˘ÂÒÍËı Îˈ;ZZ — ÔÓfl‰ÍÓ‚˚È ÌÓÏ ‚˚ÔÛÒ͇ ÒÂÚËÙË͇ÚÓ‚ ·‡Ì͇;XXXXXX — ÔÓfl‰ÍÓ‚˚È ÌÓÏ ·Î‡Ì͇ ÒÂÚËÙË͇ڇ ·‡Ì͇.

É·‚‡ 3Ç˚ÔÛÒÍ ÒÂÚËÙË͇ڇ19. ÑÎfl ÔËÓ·ÂÚÂÌËfl ÒÂÚËÙË͇ڇ ‚Í·‰˜ËÍ ‡ÁÏ¢‡ÂÚ ‰Â-

ÌÂÊÌ˚ Ò‰ÒÚ‚‡ ‚ ·‡ÌÍ.ŇÌÍ ‚˚‰‡ÂÚ ‚Í·‰˜ËÍÛ ËÎË Â„Ó Ô‰ÒÚ‡‚ËÚÂβ ÒÂÚËÙË͇Ú,

ÓÙÓÏÎÂÌÌ˚È ‰ÌÂÏ Á‡˜ËÒÎÂÌËfl ‚ ÔÓÎÌÓÏ Ó·˙ÂÏ ‰ÂÌÂÊÌ˚ıÒ‰ÒÚ‚ ‚Í·‰˜Ë͇ ̇ Ò˜ÂÚ ·‡Ì͇ ÔÓ Û˜ÂÚÛ ‚˚ÔÛ˘ÂÌÌ˚ı ÒÂÚË-ÙË͇ÚÓ‚.

ëÂÚËÙËÍ‡Ú fl‚ÎflÂÚÒfl ‰ÓÍÛÏÂÌڇθÌ˚Ï ÓÙÓÏÎÂÌËÂÏ ‰Ó„Ó-‚Ó‡ ·‡ÌÍÓ‚ÒÍÓ„Ó ‚Í·‰‡ (‰ÂÔÓÁËÚ‡).

20. Å·ÌÍ ÒÂÚËÙË͇ڇ Á‡ÔÓÎÌflÂÚÒfl Ò ÔËÏÂÌÂÌËÂÏ Ó„ÚÂı-ÌËÍË ËÎË ÓÚ ÛÍË ˜ÂÌË·ÏË ËÎË ¯‡ËÍÓ‚ÓÈ Û˜ÍÓÈ. ëÛÏχ‚Í·‰‡ (‰ÂÔÓÁËÚ‡) Ô˯ÂÚÒfl ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛ Ò Á‡„·‚ÌÓÈ·ÛÍ‚˚.

èÓÔ‡‚ÍË Ë ÔÓχÍË ÔË Á‡ÔÓÎÌÂÌËË ·‡ÌÍÓÏ ÒÂÚËÙË͇ڇ ̉ÓÔÛÒ͇˛ÚÒfl.

21. èË ‚˚ÔËÒÍ ÒÂÚËÙË͇ڇ ·‡ÌÍ Á‡ÔÓÎÌflÂÚ ‚Ò ÂÍ‚ËÁË-Ú˚ ÓÚ˚‚ÌÓ„Ó Ú‡ÎÓ̇ (ÍÓ¯͇) ÒÂÚËÙË͇ڇ. éÚ˚‚ÌÓÈ Ú‡ÎÓÌ(ÍÓ¯ÓÍ) ÒÂÚËÙË͇ڇ ÔÓ‰ÔËÒ˚‚‡ÂÚÒfl ‚Í·‰˜ËÍÓÏ, ÓÚ‰ÂÎflÂÚ-Òfl ÓÚ ÒÂÚËÙË͇ڇ Ë ı‡ÌËÚÒfl ‚ ÓÚ‰ÂθÌÓÈ Ô‡ÔÍ ÔÓ ÓÔ‡ˆËflÏÒ ˆÂÌÌ˚ÏË ·Ûχ„‡ÏË ‚ ÒÂÈÙ ËÎË ÏÂÚ‡Î΢ÂÒÍÓÏ ¯Í‡ÙÛ ‚ ÛÔÓÎ-ÌÓÏÓ˜ÂÌÌÓÏ ÔÓ‰‡Á‰ÂÎÂÌËË ·‡Ì͇ Ò Ó·flÁ‡ÚÂθÌ˚Ï ‚‰ÂÌËÂÏÓÔËÒË ÓÚ˚‚Ì˚ı Ú‡ÎÓÌÓ‚ (ÍÓ¯ÍÓ‚).

22. ŇÌÍ ‚‰ÂÚ ÊÛ̇ΠۘÂÚ‡ ‚˚ÔÛ˘ÂÌÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ̇·ÛχÊÌÓÏ ÌÓÒËÚÂΠËÎË ‚ ˝ÎÂÍÚÓÌÌÓÏ ‚ˉÂ. Ç ÔÓÒΉÌÂÏ ÒÎÛ-˜‡Â ‚ ˆÂÎflı ÒÓı‡ÌÌÓÒÚË ËÌÙÓχˆËË ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ‡ÒÔÂ-˜‡Ú͇ ÊÛ̇· ÔÓ Ï ÌÂÓ·ıÓ‰ËÏÓÒÚË.

34 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

É·‚‡ 4艇˜‡ Ô‡‚ ÔÓ ÒÂÚËÙË͇ÚÛ23. 臂‡, Û‰ÓÒÚÓ‚ÂÂÌÌ˚ ÒÂÚËÙË͇ÚÓÏ, Ô‰‡˛ÚÒfl ‚

ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ‰Îfl ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl (ˆÂÒÒËË).24. ëÚÓËÏÓÒÚ¸ Ô‰‡‚‡ÂÏÓ„Ó ÒÂÚËÙË͇ڇ ÛÒڇ̇‚ÎË‚‡ÂÚÒfl

Òӄ·¯ÂÌËÂÏ ÒÚÓÓÌ.25. ÑÓ„Ó‚Ó ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl (ˆÂÒÒËfl) ÔË Ô‰‡˜Â Ô‡‚

ÔÓ ÒÂÚËÙË͇ÚÛ ÓÙÓÏÎflÂÚÒfl ̇ Ó·ÓÓÚÌÓÈ ÒÚÓÓÌ ·Î‡Ì͇ ÒÂ-ÚËÙË͇ڇ ËÎË Ì‡ ‰ÓÔÓÎÌËÚÂθÌ˚ı ÎËÒÚ‡ı (ÔËÎÓÊÂÌËflı) Í ÒÂ-ÚËÙË͇ÚÛ.

ÑÓÔÓÎÌËÚÂθÌ˚ ÎËÒÚ˚ (ÔËÎÓÊÂÌËfl), fl‚Îfl˛˘ËÂÒfl ÌÂÓÚ˙-ÂÏÎÂÏÓÈ ˜‡ÒÚ¸˛ ÒÂÚËÙË͇ڇ, ‰ÓÎÊÌ˚ ·˚Ú¸ ÔÓÌÛÏÂÓ‚‡Ì˚ ËÒÓ‰Âʇڸ ̇‰ÔËÒ¸: “èËÎÓÊÂÌË __________ Í Ò·Â„‡ÚÂθÌÓÏÛ

(ÌÓÏÂ)(‰ÂÔÓÁËÚÌÓÏÛ) ÒÂÚËÙË͇ÚÛ ________________”.

(ÒÂËfl, ÌÓÏÂ)26. ÑÓ„Ó‚Ó ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl ÔÓ ‰ÂÔÓÁËÚÌÓÏÛ ÒÂÚËÙË͇-

ÚÛ ÔÓ‰ÔËÒ˚‚‡ÂÚÒfl Ò Í‡Ê‰ÓÈ ÒÚÓÓÌ˚ ÎˈÓÏ, ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ÏÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÏ ˛Ë‰Ë˜ÂÒÍËÏ ÎˈÓÏ Ì‡ Òӂ¯ÂÌË ڇÍËıÒ‰ÂÎÓÍ, Ë ÒÍÂÔÎflÂÚÒfl Ô˜‡Ú¸˛ ˛Ë‰Ë˜ÂÒÍÓ„Ó Îˈ‡.

ä‡Ê‰˚È ‰Ó„Ó‚Ó ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl ÌÛÏÂÛÂÚÒfl ˆÂ‰ÂÌÚÓÏ.ÑÓ„Ó‚Ó ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl ÔÓ Ò·Â„‡ÚÂθÌÓÏÛ ÒÂÚËÙË-

͇ÚÛ ÔÓ‰ÔËÒ˚‚‡ÂÚÒfl Ó·ÂËÏË ÒÚÓÓ̇ÏË.27. ìÒÎÓ‚Ë ÌÂÔÂ˚‚ÌÓÒÚË ÓÙÓÏÎÂÌËfl ˆÂÒÒËË ‰ÓÎÊÌÓ

·˚Ú¸ Ó·flÁ‡ÚÂθÌ˚Ï.28. ÇÌÂÒÂÌË ËÒÔ‡‚ÎÂÌËÈ ÔË ÓÙÓÏÎÂÌËË ˆÂÒÒËË Ò·Â„‡-

ÚÂθÌÓ„Ó ÒÂÚËÙË͇ڇ ÓÙÓÏÎflÂÚÒfl ‚ ·‡ÌÍÂ, ‚˚‰‡‚¯ÂÏ ÒÂÚË-ÙË͇Ú, Ò ÔÓÒÚ‡‚ÎÂÌËÂÏ ‰‡Ú˚ ËÒÔ‡‚ÎÂÌËfl, Á‡‚ÂflÂÚÒfl ÒÓ·ÒÚ-‚ÂÌÌÓÛ˜Ì˚ÏË ÔÓ‰ÔËÒflÏË ˆÂ‰ÂÌÚ‡, ˆÂÒÒËÓ̇Ëfl Ë ÛÔÓÎÌÓÏÓ˜ÂÌ-ÌÓ„Ó Îˈ‡ ·‡Ì͇ Ë ÒÍÂÔÎflÂÚÒfl Ô˜‡Ú¸˛ ·‡Ì͇.

29. ìÒÚÛÔ͇ Ú·ӂ‡ÌËfl ÔÓ ÒÂÚËÙË͇ÚÛ ÏÓÊÂÚ ·˚Ú¸ ÒÓ‚Â-¯Â̇ ÚÓθÍÓ ‚ Ú˜ÂÌË ÒÓ͇ Ó·‡˘ÂÌËfl ÒÂÚËÙË͇ڇ.

30. î‡ÍÚ Ô‰‡˜Ë ËÎË ÔÓÎÛ˜ÂÌËfl ‰ÂÔÓÁËÚÌÓ„Ó ÒÂÚËÙË͇ڇ‰ÓÎÊÂÌ ·˚Ú¸ Û‰ÓÒÚÓ‚ÂÂÌ ‡ÍÚÓÏ ÔËÂχ-Ô‰‡˜Ë, ÍÓÚÓ˚ÈÔÓ‰ÔËÒ˚‚‡ÂÚÒfl ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ÏË Îˈ‡ÏË ÒÚÓÓÌ.

É·‚‡ 5èÓfl‰ÓÍ ÔÓ„‡¯ÂÌËfl (ÓÔ·Ú˚) ÒÂÚËÙË͇ڇ31. ŇÌÍ ÔÓËÁ‚Ó‰ËÚ ÔÓ„‡¯ÂÌË ÒÂÚËÙË͇ڇ ÔË Â„Ó Ô‰˙-

fl‚ÎÂÌËË. èË ˝ÚÓÏ ÌÂÓ·ıÓ‰ËÏÓ ÔÓ‚ÂËÚ¸:ÔÓÎÌÓÏÓ˜Ëfl Îˈ‡, Ô‰˙fl‚Ë‚¯Â„Ó ÒÂÚËÙËÍ‡Ú Í ÓÔ·ÚÂ;ÌÂÔÂ˚‚ÌÓÒÚ¸ fl‰‡ ‰Ó„Ó‚ÓÓ‚ ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl;ÔÓ‰ÎËÌÌÓÒÚ¸ Ô‰˙fl‚ÎflÂÏÓ„Ó Í ÓÔ·Ú ·Î‡Ì͇ ÒÂÚËÙË͇ڇ.èË ‚˚fl‚ÎÂÌËË ÒÂÚËÙË͇ÚÓ‚, Ëϲ˘Ëı fl‚Ì˚ ÔËÁ̇ÍË

ÔÓ‰‰ÂÎÍË, ËÎË ÔÓ‰ÎËÌÌÓÒÚ¸ ÍÓÚÓ˚ı ‚˚Á˚‚‡ÂÚ ÒÓÏÌÂÌËÂ, ‡ Ú‡Í-Ê ÛÚ‡˜ÂÌÌ˚ı ÒÓ·ÒÚ‚ÂÌÌË͇ÏË, ·‡ÌÍ ÒÓÓ·˘‡ÂÚ Ó ‰‡ÌÌÓÏ Ù‡ÍÚ‚ ÚÂËÚÓˇθÌ˚ ӄ‡Ì˚ ‚ÌÛÚÂÌÌËı ‰ÂÎ Ë Ô‰ÔËÌËχÂÚËÌ˚ ‰ÂÈÒÚ‚Ëfl ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸.

32. èÓÒΠÔÓ„‡¯ÂÌËfl ÒÂÚËÙË͇ڇ ̇ ÌÂÏ ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚χ·ÓÚÌËÍÓÏ ·‡Ì͇ ‰Â·ÂÚÒfl ÓÚÏÂÚ͇: “èÓ„‡¯ÂÌ” (“éÔ·˜ÂÌ”).èÓ„‡¯ÂÌÌ˚È ÒÂÚËÙËÍ‡Ú ‚ÏÂÒÚÂ Ò Ô·ÚÂÊÌ˚ÏË ‰ÓÍÛÏÂÌÚ‡ÏË Ì‡Ô˜ËÒÎÂÌË ÒÛÏÏ ÒÓ·ÒÚ‚ÂÌÌËÍÛ ÒÂÚËÙË͇ڇ ÔÓ‰¯Ë‚‡˛ÚÒfl ‚ÒÔˆˇθÌ˚ ԇÔÍË ÔÓ ÓÔ‡ˆËflÏ Ò ˆÂÌÌ˚ÏË ·Ûχ„‡ÏË.

33. Ç ÒÎÛ˜‡Â ‰ÓÒÓ˜ÌÓ„Ó Ô‰˙fl‚ÎÂÌËfl Í ÓÔ·Ú ҷ„‡-ÚÂθÌÓ„Ó ÒÂÚËÙË͇ڇ ·‡ÌÍ ‚ÓÁ‚‡˘‡ÂÚ ‚Í·‰ (‰ÂÔÓÁËÚ) ‚ Ú˜Â-ÌË ÔflÚË ‰ÌÂÈ ÒÓ ‰Ìfl Ô‰˙fl‚ÎÂÌËfl Ú·ӂ‡ÌËfl.

èË ‰ÓÒÓ˜ÌÓÏ Ô‰˙fl‚ÎÂÌËË Í ÓÔ·Ú ‰ÂÔÓÁËÚÌÓ„Ó ÒÂÚË-ÙË͇ڇ ·‡ÌÍ ‚ÓÁ‚‡˘‡ÂÚ ‚Í·‰ (‰ÂÔÓÁËÚ) ‚ ÒÎÛ˜‡Â ‚Á‡ËÏÌÓ„ÓÒӄ·¯ÂÌËfl ·‡Ì͇ Ë ÒÓ·ÒÚ‚ÂÌÌË͇ ÒÂÚËÙË͇ڇ ‚ Òӄ·ÒÓ‚‡ÌÌ˚ÂÒÓÍË, ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ ÎÓ͇θÌ˚ÏË ÌÓχÚË‚Ì˚ÏËÔ‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ·‡Ì͇, ÓÔ‰ÂÎfl˛˘ËÏË ÛÒÎÓ‚Ëfl ‚˚ÔÛÒ͇ ËÓ·‡˘ÂÌËfl ÒÂÚËÙË͇ÚÓ‚.

É·‚‡ 6á‡ÎÓ„ ÒÂÚËÙË͇ڇ34. 艇˜‡ ÒÂÚËÙË͇ڇ ‚ Á‡ÎÓ„ ·‡ÌÍÛ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ̇

ÓÒÌÓ‚‡ÌËË ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Â„Ó ‰Ó„Ó‚Ó‡. éÙÓÏÎÂÌË ‰Ó„Ó‚Ó‡Á‡ÎÓ„‡ ÔÓËÁ‚Ó‰ËÚÒfl ‚ ÔÓfl‰ÍÂ, ÓÔ‰ÂÎÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ-‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

èË Ô‰‡˜Â ÒÂÚËÙË͇ڇ ‚ Á‡ÎÓ„ ‰Ó„Ó‚Ó ÛÒÚÛÔÍË Ú·Ó-‚‡ÌËfl (ˆÂÒÒËfl) Ì ÓÙÓÏÎflÂÚÒfl.

35. ŇÌÍ ÓÔ‰ÂÎflÂÚ ÒÚÓËÏÓÒÚ¸ Í‡Ê‰Ó„Ó ÒÂÚËÙË͇ڇ, ÔË-ÌËχÂÏÓ„Ó ‚ Á‡ÎÓ„.

é·˘‡fl ÒÚÓËÏÓÒÚ¸ Á‡ÎÓ„‡ ‰ÓÎÊ̇ ·˚Ú¸ Ì ÏÂ̸¯Â ÒÛÏÏ˚ ÓÒ-ÌÓ‚ÌÓ„Ó Ó·flÁ‡ÚÂθÒÚ‚‡ Ë ÔÓˆÂÌÚÓ‚ ÔÓ ÌÂÏÛ, ÂÒÎË ËÌÓ Ì ÛÒÚ‡-ÌÓ‚ÎÂÌÓ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ËÎË ‰Ó„Ó‚Ó-ÓÏ.

36. ŇÌÍ ‚Ô‡‚ ÔËÌËχڸ ‚ Á‡ÎÓ„ ÒÂÚËÙËÍ‡Ú ‚ ͇˜ÂÒÚ‚ÂÓ·ÂÒÔ˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ Á‡ÎÓ„Ó‰‡ÚÂÎfl ËÎË ËÌ˚ıÎˈ Ô‰ ·‡ÌÍÓÏ, ‚˚‡ÊÂÌÌ˚ı ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı ËÎË ‚ ËÌÓ-ÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ.

37. 艇ÌÌ˚ ‚ Á‡ÎÓ„ ÒÂÚËÙË͇Ú˚ ı‡ÌflÚÒfl ‚ ·‡ÌÍÂ.38. èÓÒΠËÒÔÓÎÌÂÌËfl ÍÎËÂÌÚÓÏ Ó·flÁ‡ÚÂθÒÚ‚, Ó·ÂÒÔ˜ÂÌÌ˚ı

Á‡ÎÓ„ÓÏ, ·‡ÌÍ ‚ÓÁ‚‡˘‡ÂÚ ÒÂÚËÙËÍ‡Ú Á‡ÎÓ„Ó‰‡ÚÂβ.39. Ç ÒÎÛ˜‡Â ÌÂËÒÔÓÎÌÂÌËfl Á‡ÎÓ„Ó‰‡ÚÂÎÂÏ Ó·flÁ‡ÚÂθÒÚ‚,

Ó·ÂÒÔ˜ÂÌÌ˚ı Á‡ÎÓ„ÓÏ, ·‡ÌÍ Û‰Ó‚ÎÂÚ‚ÓflÂÚ Ò‚ÓË Ú·ӂ‡ÌËfl ‚ÔÓfl‰ÍÂ, Ô‰ÛÒÏÓÚÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸.

É·‚‡ 7éÚÒÚÛÔÌÓÂ Ò ËÒÔÓθÁÓ‚‡ÌËÂÏ ÒÂÚËÙË͇ڇ40. éÚÒÚÛÔÌÓÂ Ò ËÒÔÓθÁÓ‚‡ÌËÂÏ ÒÂÚËÙË͇ڇ — Ò‰ÂÎ͇ ÔÓ

ÔÂ͇˘ÂÌ˲ Ó·flÁ‡ÚÂθÒÚ‚‡ Ô‰ÓÒÚ‡‚ÎÂÌËÂÏ ‚Á‡ÏÂÌ Â„Ó ËÒ-ÔÓÎÌÂÌËfl ÓÚÒÚÛÔÌÓ„Ó ‚ ‚ˉ Ô‰‡˜Ë ‰ÓÎÊÌËÍÓÏ ‚ ÒÓ·ÒÚ‚ÂÌ-ÌÓÒÚ¸ ͉ËÚÓÛ ÒÂÚËÙË͇ڇ ÔÓ Òӄ·¯ÂÌ˲ ÒÚÓÓÌ. éÚÒÚÛÔÌÓÂÒ ËÒÔÓθÁÓ‚‡ÌËÂÏ ÒÂÚËÙË͇ڇ ‰ÓÔÛÒ͇ÂÚÒfl ‚ ÒÎÛ˜‡Â, ÂÒÎË ÔÓ-‰Ó·ÌÓ ÔÂ͇˘ÂÌË Ô‚Ó̇˜‡Î¸ÌÓ„Ó Ó·flÁ‡ÚÂθÒÚ‚‡ Ì ÔÓÚË-‚Ó˜ËÚ Ú·ӂ‡ÌËflÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

41. ŇÌÍ ‚Ô‡‚ ÔËÌËχڸ ‚ ͇˜ÂÒÚ‚Â ÓÚÒÚÛÔÌÓ„Ó ‰ÂÔÓÁËÚ-Ì˚È ÒÂÚËÙËÍ‡Ú ‚ ÔÓ„‡¯ÂÌË Á‡‰ÓÎÊÂÌÌÓÒÚË ÍÎËÂÌÚ‡ Ô‰·‡ÌÍÓÏ ÔÓ ËÒÔÓÎÌÂÌ˲ Ó·flÁ‡ÚÂθÒÚ‚, ‚˚‡ÊÂÌÌ˚ı ‚ ·ÂÎÓÛÒ-ÒÍËı Û·Îflı ÎË·Ó ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ.

42. Ç ‰Ó„Ó‚Ó ӷ ÓÚÒÚÛÔÌÓÏ ÒÚÓÓ̇ÏË ÓÔ‰ÂÎfl˛ÚÒfl:Ó·flÁ‡ÚÂθÒÚ‚Ó, ÍÓÚÓÓ ÔÂ͇˘‡ÂÚÒfl Ô‰ÓÒÚ‡‚ÎÂÌËÂÏ ÓÚ-

ÒÚÛÔÌÓ„Ó Ò Û͇Á‡ÌËÂÏ ÓÒÌÓ‚‡ÌËfl ‚ÓÁÌËÍÌÓ‚ÂÌËfl Ô‚Ó̇˜‡Î¸ÌÓ-„Ó Ó·flÁ‡ÚÂθÒÚ‚‡;

‡ÁÏ ÓÚÒÚÛÔÌÓ„Ó;ÒÓÍË Ô‰ÓÒÚ‡‚ÎÂÌËfl ÓÚÒÚÛÔÌÓ„Ó;ÔÓfl‰ÓÍ Ô‰ÓÒÚ‡‚ÎÂÌËfl ÓÚÒÚÛÔÌÓ„Ó;ÒÂÚËÙËÍ‡Ú Ò Û͇Á‡ÌËÂÏ ÒÚÓËÏÓÒÚË, ÔÓ ÍÓÚÓÓÈ ÓÌ ÔËÌËχ-

ÂÚÒfl ‚ ͇˜ÂÒÚ‚Â ÓÚÒÚÛÔÌÓ„Ó (ÓˆÂÌӘ̇fl ÒÚÓËÏÓÒÚ¸ ÒÂÚËÙË͇ڇ).Ç ÒÎÛ˜‡Â ÂÒÎË ÓˆÂÌӘ̇fl ÒÚÓËÏÓÒÚ¸ ÒÂÚËÙË͇ڇ Ô‚˚¯‡-

ÂÚ ‡ÁÏ ÓÚÒÚÛÔÌÓ„Ó, ‡ÁÌˈ‡ Ô˜ËÒÎflÂÚÒfl ̇ ÚÂÍÛ˘ËÈ (‡Ò-˜ÂÚÌ˚È) Ò˜ÂÚ ‰ÓÎÊÌË͇. Ç ÒÎÛ˜‡Â ÂÒÎË ÓˆÂÌӘ̇fl ÒÚÓËÏÓÒÚ¸ÒÂÚËÙË͇ڇ ÏÂ̸¯Â ‡Áχ ÓÚÒÚÛÔÌÓ„Ó, Ô‚Ó̇˜‡Î¸ÌÓ ӷfl-Á‡ÚÂθÒÚ‚Ó ÔÂ͇˘‡ÂÚÒfl ˜‡ÒÚ˘ÌÓ.

43. 艇˜‡ ÒÂÚËÙË͇ڇ ÔÓ ÓÚÒÚÛÔÌÓÏÛ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ‚ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ‰Îfl ÛÒÚÛÔÍË Ú·ӂ‡ÌËfl (ˆÂÒÒËË).

Ç ÒÎÛ˜‡Â ÂÒÎË ÔÓ ‰Ó„Ó‚ÓÛ Ó· ÓÚÒÚÛÔÌÓÏ ·‡ÌÍÛ Ô‰‡ÂÚÒflÂ„Ó ÒÓ·ÒÚ‚ÂÌÌ˚È ‰ÂÔÓÁËÚÌ˚È ÒÂÚËÙË͇Ú, ·‡ÌÍ ÔÂ͇˘‡ÂÚ Ò‚ÓÂÓ·flÁ‡ÚÂθÒÚ‚Ó ÔÓ Ú‡ÍÓÏÛ ÒÂÚËÙË͇ÚÛ ‚ ÒËÎÛ ÒÓ‚Ô‡‰ÂÌËfl ‰ÓÎÊ-ÌË͇ Ë Í‰ËÚÓ‡ ‚ Ó‰ÌÓÏ Îˈ ‚ ÔÓfl‰ÍÂ, Ô‰ÛÒÏÓÚÂÌÌÓÏ Á‡-ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

35Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 1Í àÌÒÚÛ͈ËË ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚

ë‚ˉÂÚÂθÒÚ‚Ó Ó Â„ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ‰ÂÔÓÁËÚÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ·‡Ì͇

ÓÚ _______‹ _____

Ç˚‰‡ÌÓ____________________________________________________________________________________________________________________(ÔÓÎÌÓ ̇ËÏÂÌÓ‚‡ÌËÂ, ˛Ë‰Ë˜ÂÒÍËÈ ‡‰ÂÒ ·‡Ì͇, ÌÓÏ ӷ˘ÂÈ ÎˈÂÌÁËË)

_______________________________________________________________________________________________________________________________

ì‰ÓÒÚÓ‚Âfl˛ „ËÒÚ‡ˆË˛ ·Î‡ÌÍÓ‚ ‰ÂÔÓÁËÚÌ˚ı ÒÂÚËÙË͇ÚÓ‚:___________________________________________________________________________________________________________________________

(ÔÓÎÌÓ ̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇)‚ ÍÓ΢ÂÒÚ‚Â ________ ¯ÚÛÍ

___________________________________________________________________________________________________________________________(ˉÂÌÚËÙË͇ˆËÓÌÌ˚ ÌÓχ)

‚ ÂÂÒÚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

____________________________ __________________(ÔÓ‰ÔËÒ¸ ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó Îˈ‡) (ËÌˈˇÎ˚, Ù‡ÏËÎËfl)

èËÎÓÊÂÌË 2Í àÌÒÚÛ͈ËË ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚

ë‚ˉÂÚÂθÒÚ‚Ó Ó Â„ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ·‡Ì͇

ÓÚ _______‹ _____

Ç˚‰‡ÌÓ____________________________________________________________________________________________________________________(ÔÓÎÌÓ ̇ËÏÂÌÓ‚‡ÌËÂ, ˛Ë‰Ë˜ÂÒÍËÈ ‡‰ÂÒ ·‡Ì͇, ÌÓÏ ÎˈÂÌÁËË Ì‡ Ô˂ΘÂÌË ‚Ó ‚Í·‰˚ Ò‰ÒÚ‚ ÙËÁ˘ÂÒÍËı Îˈ)

_______________________________________________________________________________________________________________________________

ì‰ÓÒÚÓ‚Âfl˛ „ËÒÚ‡ˆË˛ ·Î‡ÌÍÓ‚ ҷ„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚:___________________________________________________________________________________________________________________________

(ÔÓÎÌÓ ̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇)‚ ÍÓ΢ÂÒÚ‚Â ________ ¯ÚÛÍ

___________________________________________________________________________________________________________________________(ˉÂÌÚËÙË͇ˆËÓÌÌ˚ ÌÓχ)

‚ ÂÂÒÚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

____________________________ __________________(ÔÓ‰ÔËÒ¸ ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó Îˈ‡) (ËÌˈˇÎ˚, Ù‡ÏËÎËfl)

36 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èéëíÄçéÇãÖçàÖ臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

20 χڇ 2003 „. ‹ 53

é· ÛÚ‚ÂʉÂÌËË èÓ„‡ÏÏ˚ ‚‚‰ÂÌËfl Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl,

Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚

‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”ç‡ ÓÒÌÓ‚‡ÌËË ÒÚ‡Ú¸Ë 30 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·ÎËÍË

Å·ÛÒ¸ 臂ÎÂÌË 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸ èéëíÄçéÇãüÖí:

1. ìڂ‰ËÚ¸ ÔË·„‡ÂÏÛ˛ èÓ„‡ÏÏÛ ‚‚‰ÂÌËfl Ó·flÁ‡ÚÂθ-ÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl, Ó·‡-·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌ-Ú‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓ-χÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”.

2. äÓÌÚÓθ Á‡ ‚˚ÔÓÎÌÂÌËÂÏ èÓ„‡ÏÏ˚ ‚‚‰ÂÌËfl Ó·flÁ‡-ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl,Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛÍ-ˆËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”, ‚ÓÁÎÓÊËÚ¸ ̇ ÑÂÔ‡Ú‡ÏÂÌÚ Ô·ÚÂÊÌÓÈ ÒËÒÚÂ-Ï˚ Ë ËÌÙÓχÚËÁ‡ˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸.

ëéÉãÄëéÇÄçé ëéÉãÄëéÇÄçé

燘‡Î¸ÌËÍ ÉÓÒÛ‰‡ÒÚ‚ÂÌÌÓ„Ó ˆÂÌÚ‡ è‰Ò‰‡ÚÂθ äÓÏËÚÂÚ‡ ÔÓ Òڇ̉‡ÚËÁ‡ˆËË, ·ÂÁÓÔ‡ÒÌÓÒÚË ËÌÙÓχˆËË ÏÂÚÓÎÓ„ËË Ë ÒÂÚËÙË͇ˆËË ÔË èÂÁˉÂÌÚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÔË ëÓ‚ÂÚ åËÌËÒÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

_______________Ö.Ñ. àθ˛Ú˜ÂÌÍÓ ____________ Ç.ç. äÓ¯ÍÓ‚_____ __________________ 2003 „. _____ _____________ 2003 „.

è‰Ò‰‡ÚÂθ 臂ÎÂÌËfl è.è. èÓÍÓÔӂ˘

äÓÏÏÂÌÚ‡ËÈÍ ÔÓÒÚ‡ÌÓ‚ÎÂÌ˲ 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

ÓÚ 06.03.2003 ‹ 38èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎË-

ÍË Å·ÛÒ¸ ÓÚ 6 χڇ 2003 „. ‹ 38 “é· ÛÚ‚ÂʉÂÌËË àÌÒÚÛÍ-ˆËË ÔÓ ‚˚ÔÛÒÍÛ Ë Ó·‡˘ÂÌ˲ ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂ-ÚËÙË͇ÚÓ‚” ‡Á‡·ÓÚ‡ÌÓ ‚Ó ËÒÔÓÎÌÂÌË ÔÛÌÍÚ‡ 75 è·̇ ÏÂÓ-ÔËflÚËÈ ÔÓ ‚˚ÔÓÎÌÂÌ˲ éÒÌÓ‚Ì˚ı ̇ԇ‚ÎÂÌËÈ ‰ÂÌÂÊÌÓ-ÍÂ-‰ËÚÌÓÈ ÔÓÎËÚËÍË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ̇ 2003 „Ó‰, ÛÚ‚ÂʉÂÌ-ÌÓ„Ó ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 31 ‰Â͇·fl 2002 „. ‹ 431, Ë ÔËÁ‚‡ÌÓÓ·ÂÒÔ˜ËÚ¸ ‚ÓÁÏÓÊÌÓÒÚË ‰Îfl ‡Ò¯ËÂÌËfl ÒÙÂ˚ ËÒÔÓθÁÓ‚‡ÌËfl‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ÔË ÙÓÏËÓ‚‡ÌËËÂÒÛÒÌÓÈ ·‡Á˚ ·‡ÌÍÓ‚.

èÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ Ô‰ÛÒÏÓÚÂÌÓ ‚‚‰ÂÌË fl‰‡ ÌÓ‚˚ı Ô‡-‚Ó‚˚ı ÌÓÏ, ‡Á‡·ÓÚ‡ÌÌ˚ı ‚ ‡Ï͇ı ÛÌËÙË͇ˆËË Á‡ÍÓÌÓ‰‡-ÚÂθÒÚ‚‡ Ò êÓÒÒËÈÒÍÓÈ î‰‡ˆËÂÈ. í‡Í, ‚‚‰ÂÌ˚ ÌÓÏ˚ Ó ‚‡-βÚ ÌÓÏË̇· ‚˚ÔÛÒ͇ÂÏ˚ı ÒÂÚËÙË͇ÚÓ‚, Ó ‰ÓÔÓÎÌËÚÂθÌ˚ı

ÎËÒÚ‡ı Í ÒÂÚËÙË͇ڇÏ, ÛÌËÙˈËÓ‚‡ÌÌ˚Â Ò èÓÎÓÊÂÌËÂÏ ñÂÌÚ-‡Î¸ÌÓ„Ó ·‡Ì͇ êÓÒÒËÈÒÍÓÈ î‰‡ˆËË ÓÚ 10 Ù‚‡Îfl 1992 „. ‹ 14-3-20 “é ҷ„‡ÚÂθÌ˚ı Ë ‰ÂÔÓÁËÚÌ˚ı ÒÂÚËÙË͇ڇı ÍÂ-‰ËÚÌ˚ı Ó„‡ÌËÁ‡ˆËÈ”.

Ç˚¯Â̇Á‚‡ÌÌ˚Ï ‰ÓÍÛÏÂÌÚÓÏ Ú‡ÍÊ ÓÚÏÂÌÂÌ˚ Ó„‡Ì˘ÂÌËfl̇ ÛÒÚÛÔÍÛ Ú·ӂ‡ÌËfl ÔÓ ‰ÂÔÓÁËÚÌÓÏÛ ÒÂÚËÙË͇ÚÛ ÌÂÂÁˉÂÌ-Ú‡Ï, Ó„‡Ì˘ÂÌËfl ÔÓ ÏËÌËχθÌÓÏÛ ÒÓÍÛ Ó·‡˘ÂÌËfl ҷ„‡-ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚, ÓÚ˜ÂÚÌÓÒÚ¸ ·‡ÌÍÓ‚ ÔÓ ÓÔ‡ˆËflÏ Ò ÒÂ-ÚËÙË͇ڇÏË, Òӄ·ÒÓ‚‡ÌË ‚ 燈ËÓ̇θÌÓÏ ·‡ÌÍ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ ‚ÌÛÚÂÌÌËı ‰ÓÍÛÏÂÌÚÓ‚ ·‡ÌÍÓ‚, ÓÔ‰ÂÎfl˛˘Ëı ÛÒÎÓ-‚Ëfl ‚˚ÔÛÒ͇ Ë Ó·‡˘ÂÌËfl ‰ÂÔÓÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚË-ÙË͇ÚÓ‚, ÛÔÓfl‰Ó˜ÂÌË Ôӈ‰Û˚ „ËÒÚ‡ˆËË ·Î‡ÌÍÓ‚ ‰ÂÔÓ-ÁËÚÌ˚ı Ë Ò·Â„‡ÚÂθÌ˚ı ÒÂÚËÙË͇ÚÓ‚ ‚ 燈ËÓ̇θÌÓÏ ·‡ÌÍÂêÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

ÄÄÎÎÂÂÍÍÒÒÂÂÈÈ ççÄÄááÄÄêêééÇÇ,,„·‚Ì˚È ˝ÍÓÌÓÏËÒÚ Óډ· ÍÓÏϘÂÒÍËı

ÙË̇ÌÒÓ‚˚ı ËÌÒÚÛÏÂÌÚÓ‚ ÑÂÔ‡Ú‡ÏÂÌÚ‡ „ÛÎËÓ‚‡ÌËfl Û˜ÂÚ‡,‡Ò˜ÂÚÓ‚ Ë Í‰ËÚÌÓ-ÙË̇ÌÒÓ‚˚ı ËÌÒÚÛÏÂÌÚÓ‚

燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

37Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ìíÇÖêÜÑÖçé

èÓÒÚ‡ÌÓ‚ÎÂÌË 臂ÎÂÌËfl燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

20 χڇ 2003 „. ‹ 53

èÓ„‡Ïχ ‚‚‰ÂÌËfl Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl,

Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı

·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

‹ ç‡ËÏÂÌÓ‚‡ÌË ‡·ÓÚ ëÓÍ éÚ‚ÂÚÒÚ‚ÂÌÌ˚È óÂÏ Á‡‚¯‡ÂÚÒfl ‡·ÓÚ‡Ô/Ô ‚˚ÔÓÎÌÂÌËfl

1 2 3 4 5

1. 鄇ÌËÁ‡ˆËÓÌÌÓ-ÚÂıÌ˘ÂÒÍË ÏÂÓÔËflÚËfl1.1. ê‡Á‡·ÓÚ͇ êÑ êÅ “Ä‚ÚÓχÚËÁËÓ‚‡Ì̇fl ·‡ÌÍÓ‚Ò͇fl ÒËÒ- ìè Ååêñ1

ÚÂχ. ëËÒÚÂχ “äÎËÂÌÚ — ·‡ÌÍ”. è·ÚÂÊÌ˚ ËÌÒÚÛ͈ËË Ñèëà2

ÍÎËÂÌÚ‡. 臂Ë· ÙÓÏËÓ‚‡ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚”, ‚ ÚÓÏ ˜ËÒÎÂ:

‡Á‡·ÓÚ͇ ÓÍÓ̘‡ÚÂθÌÓÈ Â‰‡ÍˆËË 29.08.2003 ê‡ÒÒ˚ÎÍÓÈ ÓÍÓ̘‡ÚÂθÌÓÈ Â‰‡ÍˆËË

ÛÚ‚ÂʉÂÌË ‰ÓÍÛÏÂÌÚ‡ 30.09.2003 ê‡ÒÒ˚ÎÍÓÈ ÛÚ‚ÂʉÂÌÌÓ„Ó ‰ÓÍÛÏÂÌÚ‡

1.2. ê‡Á‡·ÓÚ͇ ‰ÓÍÛÏÂÌÚÓ‚, ÛÒڇ̇‚ÎË‚‡˛˘Ëı Ú·ӂ‡ÌËfl Í 28.02.2003 ìÅáà3 ê‡ÒÒ˚ÎÍÓÈ ‰ÓÍÛÏÂÌÚÓ‚, ÌÂÓ·-ÔÓ„‡ÏÏÌ˚Ï Ò‰ÒÚ‚‡Ï ˝ÎÂÍÚÓÌÌÓÈ ˆËÙÓ‚ÓÈ ÔÓ‰ÔËÒË ÉñÅà4 ıÓ‰ËÏ˚ı ‰Îfl ‡Á‡·ÓÚÍË (‰‡Î — ùñè) Ò‰ÒÚ‚ ùñè, ‚̉ÂÌËfl Ëı ‚

ÒËÒÚÂÏ˚ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ” Ë Ëı ÔÓÒÎÂ‰Û˛˘ÂÈ ÒÂÚË-ÙË͇ˆËË

1.3. èӂ‰ÂÌË Òӂ¢‡ÌËfl Ò ·‡Ì͇ÏË Ë ‡Á‡·ÓÚ˜Ë͇ÏË ÔÓ 01.05.2003 ÉñÅà 艇˜ÂÈ ÏÂÚӉ˘ÂÒÍËı χÚÂ-‚ÓÔÓÒ‡Ï Ôӂ‰ÂÌËfl ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı ŇÌÍË5 ˇÎÓ‚ ·‡ÌÍ‡Ï Ë ‡Á‡·ÓÚ˜Ë͇ÏÒ‰ÒÚ‚ ùñè ê‡Á‡·ÓÚ˜ËÍË ÒÂÚËÙˈËÛÂÏ˚ı ÔÓ„‡ÏÏÌ˚ı

èë6 Ò‰ÒÚ‚1.4. èÓ‰„ÓÚӂ͇ Ó„‡ÌËÁ‡ˆËÓÌÌÓ-ÏÂÚӉ˘ÂÒÍËı ‰ÓÍÛÏÂÌÚÓ‚, 30.07.2003 ÉñÅà èÓÎÛ˜ÂÌËÂÏ ‡ÍÚÓ‚, ÔÓÚÓÍÓÎÓ‚,

ÏÂÚÓ‰ËÍ Ë ÔÓ„‡ÏÏÌÓ-ÚÂıÌ˘ÂÒÍËı Ò‰ÒÚ‚ ËÒÔ˚Ú‡ÚÂθ- ËÒÔ˚Ú‡ÚÂθ̇fl ‡ÚÚÂÒÚ‡ÚÓ‚, ÍÎÂÈÏÌÓÈ Î‡·Ó‡ÚÓËË ‰Îfl Ôӂ‰ÂÌËfl ËÒÔ˚Ú‡ÌËÈ Ò‰ÒÚ‚ ··Ó‡ÚÓËflùñè, ËÒÔÓθÁÛÂÏ˚ı ‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ççàñèèåà ÒËÒÚÂχı Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ” ÅÉì7

1.5. ê‡Á‡·ÓÚ͇ ÔÓÎÓÊÂÌËfl Ó· Ó„‡ÌËÁ‡ˆËË ‡·ÓÚ ÔÓ ÔÓ‚Â- 30.09.2003 ìè Ååêñ ìÚ‚ÂʉÂÌËÂÏ ÔÓÎÓÊÂÌËfl Ó·‰ÂÌ˲ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡- Ñèëà Ó„‡ÌËÁ‡ˆËË ‡·ÓÚ ÔÓ Ôӂ‰Â-ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı Ì˲ ÒÂÚËÙË͇ˆËË ÔÓ„‡Ï-ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ÏÌ˚ı Ò‰ÒÚ‚‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒ-ÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

1.6. èӂ‰ÂÌË Òӂ¢‡ÌËfl Ò ·‡Ì͇ÏË Ë ‡Á‡·ÓÚ˜Ë͇ÏË ÔÓ 30.09.2003 ìè Ååêñ 艇˜ÂÈ ÏÂÚӉ˘ÂÒÍËı χÚÂ-‚ÓÔÓÒ‡Ï Ôӂ‰ÂÌËfl ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı ÉñÅà ˇÎÓ‚ ·‡ÌÍ‡Ï Ë ‡Á‡·ÓÚ˜Ë͇ÏÒ‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚- ìè ñÅí8 ÒÂÚËÙˈËÛÂÏ˚ı ÔÓ„‡ÏÏÌ˚ıÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌ- Ñèëà Ò‰ÒÚ‚Ì˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

1.7. éÔ‰ÂÎÂÌË ÏËÌËχθÌÓÈ ÍÓÌÙË„Û‡ˆËË ÔÓ„‡ÏÏÌÓ- 30.09.2003 ìè ñÅí éÔ‰ÂÎÂÌËÂÏ Ú·ÛÂÏÓÈ ÍÓÌ-ÚÂıÌ˘ÂÒÍËı Ò‰ÒÚ‚, ËÒÔÓθÁÛÂÏ˚ı ‚ ÒËÒÚÂχı Í·ÒÒ‡ ŇÌÍË ÙË„Û‡ˆËË ÔÓ„‡ÏÏÌÓ-ÚÂıÌË-“äÎËÂÌÚ — ·‡ÌÍ” ê‡Á‡·ÓÚ˜ËÍË ˜ÂÒÍËı Ò‰ÒÚ‚ ËÒÔ˚Ú‡ÚÂθÌÓ„Ó

èë ÒÚẨ‡

1 á‰ÂÒ¸ Ë ‰‡Î — êÂÒÔÛ·ÎË͇ÌÒÍÓ ÛÌËÚ‡ÌÓ Ô‰ÔËflÚË “ÅÂÎÓÛÒÒÍËÈ ÏÂÊ·‡ÌÍÓ‚ÒÍËÈ ‡Ò˜ÂÚÌ˚È ˆÂÌÚ”.2 á‰ÂÒ¸ Ë ‰‡Î — ÑÂÔ‡Ú‡ÏÂÌÚ Ô·ÚÂÊÌÓÈ ÒËÒÚÂÏ˚ Ë ËÌÙÓχÚËÁ‡ˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.3 á‰ÂÒ¸ Ë ‰‡Î — ìÔ‡‚ÎÂÌË ·ÂÁÓÔ‡ÒÌÓÒÚË Ë Á‡˘ËÚ˚ ËÌÙÓχˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.4 á‰ÂÒ¸ Ë ‰‡Î — ÉÓÒÛ‰‡ÒÚ‚ÂÌÌ˚È ˆÂÌÚ ·ÂÁÓÔ‡ÒÌÓÒÚË ËÌÙÓχˆËË ÔË èÂÁˉÂÌÚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.5 á‰ÂÒ¸ Ë ‰‡Î — ·‡ÌÍË, fl‚Îfl˛˘ËÂÒfl ‡Á‡·ÓÚ˜Ë͇ÏË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚.6 á‰ÂÒ¸ Ë ‰‡Î — Ó„‡ÌËÁ‡ˆËË, fl‚Îfl˛˘ËÂÒfl ‡Á‡·ÓÚ˜Ë͇ÏË, ËÁ„ÓÚÓ‚ËÚÂÎflÏË, ÔÓÒÚ‡‚˘Ë͇ÏË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚.7 á‰ÂÒ¸ Ë ‰‡Î — 燈ËÓ̇θÌ˚È Ì‡Û˜ÌÓ-ËÒÒΉӂ‡ÚÂθÒÍËÈ ˆÂÌÚ ÔËÍ·‰Ì˚ı ÔÓ·ÎÂÏ Ï‡ÚÂχÚËÍË Ë ËÌÙÓχÚËÍË (ÅÉì).8 á‰ÂÒ¸ Ë ‰‡Î — êÂÒÔÛ·ÎË͇ÌÒÍÓ ÛÌËÚ‡ÌÓ Ô‰ÔËflÚË “ñÂÌÚ ·‡ÌÍÓ‚ÒÍËı ÚÂıÌÓÎÓ„ËÈ”.

1.8. èÓ‰„ÓÚӂ͇ ÔÓ„‡ÏÏÌÓ-ÚÂıÌ˘ÂÒÍËı Ò‰ÒÚ‚ ËÒÔ˚Ú‡- 31.12.2003 ìè ñÅí èÓÎÛ˜ÂÌËÂÏ ‡ÍÚÓ‚, ÔÓÚÓÍÓÎÓ‚,ÚÂθÌÓÈ Î‡·Ó‡ÚÓËË ‰Îfl Ôӂ‰ÂÌËfl ËÒÔ˚Ú‡ÌËÈ ÔÓ„- ‡ÚÚÂÒÚ‡ÚÓ‚, ÍÎÂÈχÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚË-ÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

2. ëÂÚËÙË͇ˆËfl ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ùñè, ËÒÔÓθÁÛÂÏ˚ı ÔË ÙÓÏËÓ‚‡ÌËË Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚ ‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂχı Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

2.1. ÑÓ‡·ÓÚ͇ ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ Ë ‰ÓÍÛÏÂÌÚ‡ˆËË Ì‡ ÒÓ- 30.07.2003 ŇÌÍË è‰‡˜ÂÈ ÔÓ„‡ÏÏÌ˚ıÓÚ‚ÂÚÒÚ‚Ë Ú·ӂ‡ÌËflÏ ÌÓχÚË‚Ì˚ı ‰ÓÍÛÏÂÌÚÓ‚ ê‡Á‡·ÓÚ˜ËÍË Ò‰ÒÚ‚ ̇ ÒÂÚËÙË͇ˆË˛

èë2.2. ëÂÚËÙË͇ˆËfl ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ùñè, ËÒÔÓθÁÛÂÏ˚ı 01.02.2004 ÉñÅà éÙÓÏÎÂÌËÂÏ ÒÂÚËÙË͇ÚÓ‚

ÔË ÙÓÏËÓ‚‡ÌËË Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ŇÌÍË ÒÓÓÚ‚ÂÚÒÚ‚Ëfl ̇ ÔÓ„‡ÏÏÌ˚ÂÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚ ‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ê‡Á‡·ÓÚ˜ËÍË Ò‰ÒÚ‚‡, ÛÒÔ¯ÌÓ Ôӯ‰¯Ë·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂχı Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ” èë ÒÂÚËÙË͇ˆË˛

3. ëÂÚËÙË͇ˆËfl ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ÙÓÏËÓ‚‡ÌËfl, Ó·-‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛÍ-ˆËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚

3.1. ÑÓ‡·ÓÚ͇ ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ Ë ‰ÓÍÛÏÂÌÚ‡ˆËË Ì‡ ÒÓ- 31.12.2003 ŇÌÍË è‰‡˜ÂÈ ÔÓ„‡ÏÏÌ˚ıÓÚ‚ÂÚÒÚ‚Ë Ú·ӂ‡ÌËflÏ ÌÓχÚË‚Ì˚ı ‰ÓÍÛÏÂÌÚÓ‚ ê‡Á‡·ÓÚ˜ËÍË Ò‰ÒÚ‚ ̇ ÒÂÚËÙË͇ˆË˛

èë3.2. ëÂÚËÙË͇ˆËfl ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ 31.03.2005 ŇÌÍË éÙÓÏÎÂÌËÂÏ ÒÂÚËÙË͇ÚÓ‚

ê‡Á‡·ÓÚ˜ËÍË ÒÓÓÚ‚ÂÚÒÚ‚Ëfl ̇ ÔÓ„‡ÏÏÌ˚Âèë Ò‰ÒÚ‚‡, ÛÒÔ¯ÌÓ Ôӯ‰¯ËÂìè Ååêñ ÒÂÚËÙË͇ˆË˛ìè ñÅí

4. ǂ‰ÂÌË ӷflÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚ ùñè Ë ÙÓÏËÓ‚‡ÌËfl, Ó·‡·ÓÚÍË Ë ‚̯̄ÓÔ‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚË-ÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

4.1. ÇÌÂÒÂÌË ‰ÓÔÓÎÌÂÌËÈ ‚ è˜Â̸ ÔÓ‰Û͈ËË Ë ÛÒÎÛ„, 01.04.2003 ÉÓÒÒڇ̉‡Ú ÇÌÂÒÂÌËÂÏ ‰ÓÔÓÎÌÂÌËÈ ‚ èÂÂ-ÔÓ‰ÎÂʇ˘Ëı Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ‚ êÂÒÔÛ·ÎËÍ ÉñÅà ˜Â̸ ÔÓ‰Û͈ËË Ë ÛÒÎÛ„, ÔÓ‰ÎÂ-Å·ÛÒ¸ ÔÓ ÔÓ„‡ÏÏÌ˚Ï Ò‰ÒÚ‚‡Ï ùñè, ËÒÔÓθÁÛÂ- ʇ˘Ëı Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË-Ï˚Ï ÔË ÙÓÏËÓ‚‡ÌËË Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ ÍÎËÂÌÚ‡ ͇ˆËË ‚ êÂÒÔÛ·ÎËÍ Å·ÛÒ¸‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚ ‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂχı Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

4.2. ÇÌÂÒÂÌË ‰ÓÔÓÎÌÂÌËÈ ‚ è˜Â̸ ÔÓ‰Û͈ËË Ë ÛÒÎÛ„, 30.12.2003 ÉÓÒÒڇ̉‡Ú ÇÌÂÒÂÌËÂÏ ‰ÓÔÓÎÌÂÌËÈ ‚ èÂÂ-ÔÓ‰ÎÂʇ˘Ëı Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË͇ˆËË ‚ êÂÒÔÛ·ÎËÍ ìè Ååêñ ˜Â̸ ÔÓ‰Û͈ËË Ë ÛÒÎÛ„, ÔÓ‰ÎÂ-Å·ÛÒ¸ ÔÓ ÔÓ„‡ÏÏÌ˚Ï Ò‰ÒÚ‚‡Ï ÙÓÏËÓ‚‡ÌËfl, Ó·- çÅ êŠʇ˘Ëı Ó·flÁ‡ÚÂθÌÓÈ ÒÂÚËÙË-‡·ÓÚÍË Ë ‚̯ÌÂ„Ó Ô‰ÒÚ‡‚ÎÂÌËfl Ô·ÚÂÊÌ˚ı ËÌÒÚÛÍ- ͇ˆËË ‚ êÂÒÔÛ·ÎËÍ Å·ÛÒ¸ˆËÈ ÍÎËÂÌÚ‡ ‚ ÙÓÏ ˝ÎÂÍÚÓÌÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚, ‚ıÓ‰fl˘Ëı ‚ ÒÓÒÚ‡‚ ‡‚ÚÓχÚËÁËÓ‚‡ÌÌ˚ı ·‡ÌÍÓ‚ÒÍËı ÒËÒÚÂÏ Í·ÒÒ‡ “äÎËÂÌÚ — ·‡ÌÍ”

4.3. é·flÁ‡ÚÂθÌÓ ËÒÔÓθÁÓ‚‡ÌË ÒÂÚËÙˈËÓ‚‡ÌÌ˚ı ÔÓ„- Ò 01.04.2005 ŇÌÍË èÂÂıÓ‰ÓÏ Í Ó·flÁ‡ÚÂθÌÓÏÛ ‡ÏÏÌ˚ı Ò‰ÒÚ‚ ìè Ååêñ ËÒÔÓθÁÓ‚‡Ì˲ ÒÂÚËÙˈËÓ-

ÉñÅà ‚‡ÌÌ˚ı ÔÓ„‡ÏÏÌ˚ı Ò‰ÒÚ‚

38 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

1 2 3 4 5

39Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èéëíÄçéÇãÖçàÖëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

24 χڇ 2003 „. ‹ 90

é ‚˚ÔÛÒÍ ‚ Ó·‡˘ÂÌË ԇÏflÚÌÓÈ ÏÓÌÂÚ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ “ãËÒ‡”

ç‡ ÓÒÌÓ‚‡ÌËË ÒÚ‡Ú¸Ë 29 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ ëÓ‚ÂÚ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ èéëíÄçéÇãüÖí:

1. Ç˚ÔÛÒÚËÚ¸ ‚ Ó·‡˘ÂÌË 3 ‡ÔÂÎfl 2003 „. ÁÓÎÓÚÛ˛ ÒÓ‚ÒÚ‡‚͇ÏË ËÁ ·ËÎΡÌÚ‡ Ô‡ÏflÚÌÛ˛ ÏÓÌÂÚÛ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì-͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ “ãËÒ‡” ÌÓÏË̇ÎÓÏ 50 Û·ÎÂÈ, ÔÓ·ÓÈ

ÒÔ·‚‡ 999, ‰Ë‡ÏÂÚÓÏ 25,00 ÏÏ, χÒÒÓÈ 7,78 „, ÚˇÊÓÏ ‰Ó 2000¯ÚÛÍ, ͇˜ÂÒÚ‚ÓÏ “ÔÛÙ”.

2. Ç˚ÔÛ˘ÂÌ̇fl ‚ Ó·‡˘ÂÌË ÏÓÌÂÚ‡ fl‚ÎflÂÚÒfl Á‡ÍÓÌÌ˚Ï Ô·-ÚÂÊÌ˚Ï Ò‰ÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë Ó·flÁ‡ÚÂθ̇ Í ÔË-ÂÏÛ ÔÓ Ì‡Ëˆ‡ÚÂθÌÓÈ ÒÚÓËÏÓÒÚË ÔË ‚ÒÂı ‚ˉ‡ı Ô·ÚÂÊÂÈ ·ÂÁÓ‚ÒflÍËı Ó„‡Ì˘ÂÌËÈ.

á‡Â„ËÒÚËÓ‚‡ÌÓ‚ 燈ËÓ̇θÌÓÏ ÂÂÒÚ ԇ‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ 1 ‡ÔÂÎfl 2003 „. ‹ 8/9332

è‰Ò‰‡ÚÂθ 臂ÎÂÌËfl è.è. èÓÍÓÔӂ˘

èéëíÄçéÇãÖçàÖëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

25 χڇ 2003 „. ‹ 91

é· ÛÚ‚ÂʉÂÌËË è‡‚ËÎ Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒÓ ÒÚ‡Ú¸flÏË 51 Ë 53 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ëÓ‚ÂÚ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ èéëíÄçéÇãüÖí:

1. ìڂ‰ËÚ¸ ÔË·„‡ÂÏ˚ 臂Ë· Òӂ¯ÂÌËfl 燈ËÓ̇θ-Ì˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇-ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸.

2. èËÁ̇ڸ ÛÚ‡ÚË‚¯ËÏË ÒËÎÛ:ÔÓÒÚ‡ÌÓ‚ÎÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇

êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 27 ˲Ìfl 2001 „. ‹ 186 “é· ÛÚ‚ÂʉÂÌËË臂ËÎ Òӂ¯ÂÌËfl É·‚Ì˚ÏË ÛÔ‡‚ÎÂÌËflÏË (ÓÚ‰ÂÎÂÌËflÏË) ç‡-

ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏËÒÎËÚ͇ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸”;

ÔÓÒÚ‡ÌÓ‚ÎÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 26 ÒÂÌÚfl·fl 2001 „. ‹ 282 “é· ÛÚ‚ÂÊ-‰ÂÌËË è‡‚ËÎ Òӂ¯ÂÌËfl É·‚Ì˚ÏË ÛÔ‡‚ÎÂÌËflÏË (ÓÚ‰ÂÎÂÌË-flÏË) 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÓ-ÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸”.

3. ç‡ÒÚÓfl˘Â ÔÓÒÚ‡ÌÓ‚ÎÂÌË ‚ÒÚÛÔ‡ÂÚ ‚ ÒËÎÛ ÒÓ 2 ˲Ìfl 2003 „.

è‰Ò‰‡ÚÂθ 臂ÎÂÌËfl è.è. èÓÍÓÔӂ˘

40 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ìíÇÖêÜÑÖçé

èÓÒÚ‡ÌÓ‚ÎÂÌË ëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

25 χڇ 2003 „. ‹ 91

臂Ë·Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

臂Ë· Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌ-Ì˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰‡Î —臂Ë·) ‡Á‡·ÓÚ‡Ì˚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒÓ ÒÚ‡Ú¸flÏË 51 Ë 53 ŇÌ-ÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë ÛÒڇ̇‚ÎË‚‡˛Ú ÓÒÓ-·ÂÌÌÓÒÚË Òӂ¯ÂÌËfl ˆÂÌڇθÌ˚Ï ‡ÔÔ‡‡ÚÓÏ, É·‚Ì˚ÏË (ëÔÂ-ˆË‡ÎËÁËÓ‚‡ÌÌ˚Ï) ÛÔ‡‚ÎÂÌËflÏË (ÓÚ‰ÂÎÂÌËflÏË) 燈ËÓ̇θÌÓ„Ó·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰‡Î — ÒÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂ-ÌËfl) ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ıÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

É·‚‡ 1鷢ˠÔÓÎÓÊÂÌËfl1. ÑÎfl ˆÂÎÂÈ Ì‡ÒÚÓfl˘Ëı 臂ËÎ ÚÂÏËÌ˚ Ë ÔÓÌflÚËfl ËÒÔÓθ-

ÁÛ˛ÚÒfl ‚ ÒÎÂ‰Û˛˘Ëı Á̇˜ÂÌËflı:ÏÂÌ˚ ÒÎËÚÍË — ÒÎËÚÍË ÁÓÎÓÚ‡, Ô·ÚËÌ˚ Ë Ô‡Î·‰Ëfl χÒ-

ÒÓÈ ÓÚ 1 ‰Ó 1000 „‡ÏÏÓ‚ ‚Íβ˜ËÚÂθÌÓ Ë Ò·‡ ‰Ó 5000 „‡Ï-ÏÓ‚ ‚Íβ˜ËÚÂθÌÓ (ÔÓ·‡ 999,9 — ‰Îfl ÁÓÎÓÚ‡ Ë Ò·‡, ÔÓ·‡Ì ÌËÊ 999,5 — ‰Îfl Ô·ÚËÌ˚ Ë Ô‡Î·‰Ëfl), ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÂÒڇ̉‡Ú‡Ï, ‰ÂÈÒÚ‚Û˛˘ËÏ ‚ „ÓÒÛ‰‡ÒÚ‚Â — ÔÓËÁ‚Ó‰ËÚÂÎÂÒÎËÚ͇, Ò Ó·flÁ‡ÚÂθÌ˚Ï Ì‡Î˘ËÂÏ Ì‡ ÌËı ̇ËÏÂÌÓ‚‡ÌËfl ‰‡„Ó-ˆÂÌÌÓ„Ó ÏÂڇη, Á͇̇ Ô‰ÔËflÚËfl-ËÁ„ÓÚÓ‚ËÚÂÎfl ËÎË ‡··Â-‚ˇÚÛ˚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰‡Î —燈ËÓ̇θÌ˚È ·‡ÌÍ), ÌÓχ (¯ËÙ‡) ÒÎËÚ͇, ÔÓ·˚ Ë Ï‡ÒÒ˚ ‚ÎË„‡ÚÛ (ÌÓÏË̇θÌÓÈ Ï‡ÒÒ˚) ÒÎËÚ͇. ç‡ ÏÂÌÓÏ ÒÎËÚÍ ÏÓÊÂÚ·˚Ú¸ ̇ÌÂÒÂÌ ÚÓ‚‡Ì˚È ÁÌ‡Í Á‡Í‡Á˜Ë͇ ËÎË ‰Û„‡fl ÒËÏ‚ÓÎË͇;

ÏÓÌÂÚ˚ — ÏÓÌÂÚ˚ ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÁÓÎÓÚÓ, Ò·-Ó, Ô·ÚË̇) ÒÚ‡Ó„Ó Ë ÒÓ‚ÂÏÂÌÌÓ„Ó ˜Â͇̇, ‡Á΢ÌÓÈ ÒÚÂÔÂÌËÒÓı‡ÌÌÓÒÚË, ‚˚ÒÚÛÔ‡˛˘Ë ‚ ͇˜ÂÒÚ‚Â Ô‰ÏÂÚÓ‚ ÍÓÎÎÂ͈ËÓÌË-Ó‚‡ÌËfl Ë ÚÂÁ‡‚‡ˆËË ÔÓ ÒÚÓËÏÓÒÚË, ÓÚ΢‡˛˘ÂÈÒfl ÓÚ ÌÓÏË-̇θÌÓÈ, ÍÓÏ ԇÏflÚÌ˚ı Ë ˛·ËÎÂÈÌ˚ı ÏÓÌÂÚ, fl‚Îfl˛˘ËıÒfl Á‡-ÍÓÌÌ˚Ï Ô·ÚÂÊÌ˚Ï Ò‰ÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸;

ÔÓ·‡ — ÍÓ΢ÂÒÚ‚Ó Ï‡ÒÒÓ‚˚ı ‰ËÌˈ ıËÏ˘ÂÒÍË ˜ËÒÚÓ„Ó‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ‚ Ú˚Òfl˜Â χÒÒÓ‚˚ı ‰ËÌˈ ÎË„‡ÚÛÌÓ„ÓÒÔ·‚‡;

ÔÓˆÂÌÚÌÓ ÒÓ‰ÂʇÌË — ÍÓ΢ÂÒÚ‚Ó ‰ÓÎÂÈ ıËÏ˘ÂÒÍË ˜Ë-ÒÚÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ‚ ÒÚ‡ χÒÒÓ‚˚ı ‰ËÌˈ‡ı ÎË„‡ÚÛ-ÌÓ„Ó ÒÔ·‚‡;

χÒÒ‡ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡) — Ù‡ÍÚ˘ÂÒ͇fl Ó·-˘‡fl χÒÒ‡ ÒÔ·‚‡ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη Ò Û˜ÂÚÓÏ ‚ÒÂı ÍÓÏÔÓ-ÌÂÌÚÓ‚;

χÒÒ‡ ‚ ˜ËÒÚÓÚ — χÒÒ‡ ıËÏ˘ÂÒÍË ˜ËÒÚÓ„Ó ‰‡„ÓˆÂÌÌÓ„ÓÏÂڇη, ÒÓ‰Âʇ˘Â„ÓÒfl ‚ ÎË„‡ÚÛÌÓÏ ÒÔ·‚Â;

̇ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη — ÁÓÎÓÚÓ, Ò·Ó,Ô·ÚË̇, ԇη‰ËÈ;

‚ˉ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη — ÏÂÌ˚È ÒÎËÚÓÍ, ÏÓÌÂÚ‡;ÍÎËÂÌÚ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ (‰‡Î — ÍÎËÂÌÚ) — ˛Ë‰Ë˜Â-

ÒÍÓÂ Ë ÙËÁ˘ÂÒÍÓ ÎˈÓ;ÙÛÚÎfl — ˝ÒÚÂÚ˘ÂÒÍË ÓÙÓÏÎÂÌ̇fl ÍÓӷӘ͇, ‚ ÍÓÚÓÛ˛

ÏÓÊÂÚ ‚Í·‰˚‚‡Ú¸Òfl ÏÂÌ˚È ÒÎËÚÓÍ Ò ˆÂθ˛ Ôˉ‡ÌËfl ÂÏÛ ÔÂ-ÁÂÌÚ‡·ÂθÌÓ„Ó ‚ˉ‡;

ÛÔ‡ÍÓ‚Ó˜Ì˚È ‚Í·‰˚¯ Í ÏÂÌ˚Ï ÒÎËÚÍ‡Ï — ÏÌÓ„Óˆ‚ÂÚÌ˚ÈÔflÏÓÛ„ÓθÌËÍ ËÁ ·Ûχ„Ë Ò ‚˚Û·Ì˚Ï ÓÚ‚ÂÒÚËÂÏ ‰Îfl ‡ÁÏ¢Â-ÌËfl ÒÎËÚ͇, ËÁ„ÓÚÓ‚ÎÂÌÌ˚È ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ‡ÁχÏË ÍÓÌ‚Â-ÚÓ‚ ‰Îfl ·ÏËÌËÓ‚‡ÌËfl.

2. àÌÙÓχˆËfl Ó ÔÓfl‰Í Ôӂ‰ÂÌËfl ÒÚÛÍÚÛÌ˚ÏË ÔÓ‰-‡Á‰ÂÎÂÌËflÏË ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË, ÏÓÌÂÚÓÈ, ÙÛÚÎfl-‡ÏË Ë ˆÂ̇ı ÔÓÏ¢‡ÂÚÒfl ̇ ‚ˉÌÓÏ ‰Îfl ÍÎËÂÌÚÓ‚ ÏÂÒÚÂ.

3. ëÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl ÓÒÛ˘ÂÒÚ‚Îfl˛Ú ÔÓÍÛÔÍÛ ÏÂ-Ì˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Á‡ ·ÂÎÓÛÒÒÍË ۷ÎË, ‡ Ú‡ÍÊ Á‡ ËÌÓÒÚ-‡ÌÌÛ˛ ‚‡Î˛ÚÛ ‚ ÒÎÛ˜‡flı, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏêÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

ñÂÌ˚ ÔÓÍÛÔÍË Ë ÔÓ‰‡ÊË ÏÂÌ˚ı ÒÎËÚÍÓ‚, ÏÓÌÂÚ ÛÒڇ̇‚ÎË-‚‡˛ÚÒfl ‚ ·ÂÎÓÛÒÒÍËı Û·Îflı (ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ) ‡ÒÔÓflÊÂ-ÌËÂÏ è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ËÎË ÛÔÓÎ-ÌÓÏÓ˜ÂÌÌÓ„Ó ËÏ Îˈ‡.

éÚÔÛÒÍÌ˚ ˆÂÌ˚ ̇ ÙÛÚÎfl˚ ‚ ‡ÁÂÁÂ Í‡Ê‰Ó„Ó ÚËÔ‡ ‡Ò-Ò˜ËÚ˚‚‡˛ÚÒfl îË̇ÌÒÓ‚Ó-˝ÍÓÌÓÏ˘ÂÒÍËÏ ÛÔ‡‚ÎÂÌËÂÏ ËÒıÓ‰fl ËÁ‡ÒıÓ‰Ó‚, Ò‚flÁ‡ÌÌ˚ı Ò Ëı ÔËÓ·ÂÚÂÌËÂÏ, ‰ÓÒÚ‡‚ÍÓÈ Ë ‰. éÚÔÛ-ÒÍÌ˚ ˆÂÌ˚ ÔÓ‰ÔËÒ˚‚‡˛ÚÒfl ̇˜‡Î¸ÌËÍÓÏ îË̇ÌÒÓ‚Ó-˝ÍÓÌÓÏË-˜ÂÒÍÓ„Ó ÛÔ‡‚ÎÂÌËfl, ÛÚ‚Âʉ‡˛ÚÒfl Á‡ÏÂÒÚËÚÂÎÂÏ è‰Ò‰‡ÚÂ-Îfl 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇, ̇ԇ‚Îfl˛˘ËÏ ‰ÂflÚÂθ-ÌÓÒÚ¸ ‚˚¯Â̇Á‚‡ÌÌÓ„Ó ÛÔ‡‚ÎÂÌËfl, Ë ‰Ó‚Ó‰flÚÒfl ‰Ó ÒÚÛÍÚÛÌ˚ıÔÓ‰‡Á‰ÂÎÂÌËÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ÚÂÏ Ê ÛÔ‡‚ÎÂÌËÂÏ.

4. ÑÎfl ˆÂÎÂÈ ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡ ÔËÓ·ÂÚ‡ÂÏ˚ı 燈ËÓ-̇θÌ˚Ï ·‡ÌÍÓÏ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ‚ ‚ˉ ÏÓÌÂÚ ËÒÔÓθÁÛ-ÂÚÒfl ˆÂ̇ ÔÓÍÛÔÍË ÏÓÌÂÚ ç‡ˆËÓ̇θÌ˚Ï ·‡ÌÍÓÏ.

ÅÛı„‡ÎÚÂÒÍËÈ Û˜ÂÚ ÔËÓ·ÂÚ‡ÂÏ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ‚‚ˉ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχ-ÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇.

äÓ΢ÂÒÚ‚ÂÌÌ˚È Û˜ÂÚ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚‰ÂÚÒfl ÓÚ-‰ÂθÌÓ ÔÓ Ì‡ËÏÂÌÓ‚‡Ì˲, ÍÓ΢ÂÒÚ‚Û, χÒÒ ‰‡„ÓˆÂÌÌ˚ı ÏÂ-Ú‡ÎÎÓ‚:

χÒÒ‡ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡) —„‡ÏÏ˚, Ò ÚÓ˜ÌÓÒÚ¸˛ ‰Ó 1;

χÒÒ‡ ÏÓÌÂÚ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡) — „‡ÏÏ˚, ÒÚÓ˜ÌÓÒÚ¸˛ ‰Îfl ÁÓÎÓÚ‡ Ë Ô·ÚËÌ˚ — ‰Ó 0,01; ‰Îfl Ò·‡ — ‰Ó0,1;

χÒÒ‡ ıËÏ˘ÂÒÍË ˜ËÒÚÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ‚ ÏÂÌ˚ıÒÎËÚ͇ı — „‡ÏÏ˚, Ò ÚÓ˜ÌÓÒÚ¸˛ ‰Ó 0,1 Ò ÔËÏÂÌÂÌËÂÏ Ï‡ÚÂχ-Ú˘ÂÒÍÓ„Ó ÓÍÛ„ÎÂÌËfl;

χÒÒ‡ ıËÏ˘ÂÒÍË ˜ËÒÚÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ‚ ÏÓÌÂÚ —„‡ÏÏ˚, Ò ÚÓ˜ÌÓÒÚ¸˛ ‰Îfl ÁÓÎÓÚ‡ Ë Ô·ÚËÌ˚ — ‰Ó 0,01; ‰Îfl ÒÂÂ-·‡ — ‰Ó 0,1 Ò ÔËÏÂÌÂÌËÂÏ Ï‡ÚÂχÚ˘ÂÒÍÓ„Ó ÓÍÛ„ÎÂÌËfl.

äÓ΢ÂÒÚ‚ÂÌÌ˚È Û˜ÂÚ ÙÛÚÎflÓ‚ ‚‰ÂÚÒfl ÓÚ‰ÂθÌÓ ÔÓ Ëı ÚË-Ô‡Ï.

èÂÂÓˆÂÌ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÏÓÊÂÚ ÔÓËÁ‚Ó‰ËÚ¸ÒflÔÓ ‡ÒÔÓflÊÂÌ˲ è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó·‡Ì͇ ËÎË ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó ËÏ Îˈ‡.

éÚÍ˚ÚËÂ Ë ‚‰ÂÌË ÏÂÚ‡Î΢ÂÒÍËı Ò˜ÂÚÓ‚ ÒÚÛÍÚÛÌ˚ÏËÔÓ‰‡Á‰ÂÎÂÌËflÏË ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚-Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇.

5. ñÂÌڇθÌÓ ı‡ÌËÎË˘Â ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ (‰‡Î —ñÂÌڇθÌÓ ı‡ÌËÎˢÂ) ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ÔËÂÏ, ı‡ÌÂÌËÂ, Û˜ÂÚ ËÓÚÔÛÒÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏ ‚ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ-„Ó ·‡Ì͇ Ò Û˜ÂÚÓÏ ÓÒÓ·ÂÌÌÓÒÚÂÈ, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı ̇ÒÚÓfl˘ËÏË臂Ë·ÏË.

îË̇ÌÒÓ‚Ó-˝ÍÓÌÓÏ˘ÂÒÍÓ ÛÔ‡‚ÎÂÌËÂ:ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ‡Ò˜ÂÚ Ò·ÂÒÚÓËÏÓÒÚË ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚

‚ ‚ˉ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ ‰Óη‡ı ëòÄ Ë ·ÂÎÓÛÒÒÍËı Û·Îflı ‚

41Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

‡ÁÂÁÂ Í‡Ê‰Ó„Ó ÌÓÏË̇· ËÒıÓ‰fl ËÁ ‡ÒıÓ‰Ó‚, Ò‚flÁ‡ÌÌ˚ı Ò ËıËÁ„ÓÚÓ‚ÎÂÌËÂÏ Ë ÔËÓ·ÂÚÂÌËÂÏ, ‡ Ú‡ÍÊ ËÌ˚ı ‡ÒıÓ‰Ó‚;

Ô‰‡ÂÚ ‚ ÑÂÔ‡Ú‡ÏÂÌÚ ÏÂʉÛ̇ӉÌ˚ı ÓÔ‡ˆËÈ ‡Ò˜ÂÚ-Ì˚ ‰‡ÌÌ˚Â Ó Ò·ÂÒÚÓËÏÓÒÚË ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ‚ ‚ˉÂÏÂÌ˚ı ÒÎËÚÍÓ‚ ‰Îfl ÛÒÚ‡ÌÓ‚ÎÂÌËfl ÍÓÚËÓ‚ÓÍ ÔÓÍÛÔÍË-ÔÓ‰‡ÊËÏÂÌ˚ı ÒÎËÚÍÓ‚.

åÂÌ˚ ÒÎËÚÍË Ë ÏÓÌÂÚ˚ ı‡ÌflÚÒfl ‚ Í·‰Ó‚˚ı ˆÂÌÌÓÒÚÂÈÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËÈ ÓÚ‰ÂθÌÓ ÓÚ ‰Û„Ëı ˆÂÌÌÓÒÚÂÈ ‚ϯ͇ı, ÍÓӷ͇ı, ÍÓÌÚÂÈ̇ı, ÒÂÈÙ‡ı ËÎË Ì‡ ÒÚÂηʇı ÔÓÓÔËÒË Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 1 Í Ì‡ÒÚÓfl˘ËÏ è‡‚ËÎ‡Ï Ë Û˜ËÚ˚-‚‡˛ÚÒfl ‚ ÍÌË„Â Û˜ÂÚ‡ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ÔÓ ÙÓÏ Òӄ·ÒÌÓÔËÎÓÊÂÌ˲ 2 Í Ì‡ÒÚÓfl˘ËÏ è‡‚Ë·Ï. èË ˝ÚÓÏ „‡Ù˚ ‚ ÍÌË„ÂÛ˜ÂÚ‡ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ Ë ÓÔËÒË Á‡ÔÓÎÌflÂÚ Á‡‚Â‰Û˛˘ËÈÍ·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl. ãËÒÚ˚ ‚ Û͇-Á‡ÌÌÓÈ ÍÌË„Â ‰ÓÎÊÌ˚ ·˚Ú¸ ÔÓÌÛÏÂÓ‚‡Ì˚, ÔÓ¯ÌÛÓ‚‡Ì˚, ‡ÔÓÒΉÌËÈ ÎËÒÚ ÔÓ‰ÔËÒ‡Ì ‰ÓÎÊÌÓÒÚÌ˚ÏË Îˈ‡ÏË ÒÚÛÍÚÛÌÓ„ÓÔÓ‰‡Á‰ÂÎÂÌËfl Ë ÒÍÂÔÎÂÌ „·ӂÓÈ Ô˜‡Ú¸˛.

ÖÒÎË ÓÔ‡ˆËË Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚÓÈ Ì ÔÓËÁ‚Ó-‰ËÎËÒ¸, ÓÒÚ‡ÚÍË Ì‡ ÒÎÂ‰Û˛˘ËÈ ‡·Ó˜ËÈ ‰Â̸ ‚ ÍÌË„Â Û˜ÂÚ‡ ‰‡-„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ Ì ‚˚‚Ó‰flÚÒfl.

èËÂÏ, ı‡ÌÂÌË ÙÛÚÎflÓ‚ Ë Ëı ÓÚÔÛÒÍ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á-‰ÂÎÂÌËflÏ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚Ì˚ÏËÔ‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇, ‡ Ú‡ÍÊ ̇ÒÚÓfl˘ËÏË臂Ë·ÏË ÓÒÛ˘ÂÒÚ‚Îfl˛ÚÒfl ÒÍ·‰ÓÏ ÛÔ‡‚ÎÂÌËfl ıÓÁflÈÒÚ‚ÂÌ-ÌÓ„Ó Ë ÚÂıÌ˘ÂÒÍÓ„Ó ‡Á‚ËÚËfl ÑÂÔ‡Ú‡ÏÂÌÚ‡ ‡‰ÏËÌËÒÚ‡ˆËË(‰‡Î — ÒÍ·‰).

6. éÔ‡ˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ÔÓ ÔÓÍÛÔÍÂ Ë ÔÓ‰‡ÊÂÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÓÙÓÏÎfl˛ÚÒfl:

ÔÛÚÂÏ Á‡Íβ˜ÂÌËfl ÒÚÓÓ̇ÏË ‰Ó„Ó‚Ó‡ ÔÓ Ò‰ÂÎÍÂ;‚ ‰Û„ÓÈ ÙÓÏÂ, Ô‰ÛÒÏÓÚÂÌÌÓÈ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒ-

ÔÛ·ÎËÍË Å·ÛÒ¸.

É·‚‡ 2éÚÔÛÒÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÙÛÚÎflÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏ7. ñÂÌڇθÌÓ ı‡ÌËÎˢ ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ÓÚÔÛÒÍ ÏÂÌ˚ı

ÒÎËÚÍÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏ Ì‡ ÓÒÌÓ‚‡ÌËË ‡ÒÔÓfl-ÊÂÌËfl ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó Á‡ÏÂÒÚËÚÂÎfl è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl燈ËÓ̇θÌÓ„Ó ·‡Ì͇, ÔÓ‰„ÓÚÓ‚ÎÂÌÌÓ„Ó ÑÂÔ‡Ú‡ÏÂÌÚÓÏ ˝ÏËÒÒË-ÓÌÌÓ-͇ÒÒÓ‚˚ı ÓÔ‡ˆËÈ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ‡Á̇fl‰ÍÓÈ, Ô‰-ÒÚ‡‚ÎÂÌÌÓÈ ÑÂÔ‡Ú‡ÏÂÌÚÓÏ ÏÂʉÛ̇ӉÌ˚ı ÓÔ‡ˆËÈ.

éÚÔÛÒÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏ ‚ñÂÌڇθÌÓÏ ı‡ÌËÎˢ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓ-χÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ÔÓ Ó„‡ÌË-Á‡ˆËË Í‡ÒÒÓ‚ÓÈ ‡·ÓÚ˚ Ò Û˜ÂÚÓÏ ÒÎÂ‰Û˛˘Ëı ÓÒÓ·ÂÌÌÓÒÚÂÈ.

èË ÓÚÔÛÒÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏÁ‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ì‡ ÓÒÌÓ‚‡ÌËË ‡ÒÔÓflÊÂÌËflÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó Á‡ÏÂÒÚËÚÂÎfl è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl 燈Ë-Ó̇θÌÓ„Ó ·‡Ì͇ ÒÓÒÚ‡‚ÎflÂÚ ÒÔˆËÙË͇ˆË˛ Òӄ·ÒÌÓ ÔËÎÓÊÂ-Ì˲ 3 Í Ì‡ÒÚÓfl˘ËÏ è‡‚ËÎ‡Ï ‚ ‰‚Ûı ˝ÍÁÂÏÔÎfl‡ı Á‡ ÔÓ‰ÔËÒ¸˛Îˈ, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ı Á‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ, Ë Á‡‚ÂÂÌÌÛ˛ ÔÂ-˜‡Ú¸˛ Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ. è‚˚È ˝ÍÁÂÏÔÎflÒÔˆËÙË͇ˆËË ÔÓ‰¯Ë‚‡ÂÚÒfl ‚ ͇ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ ‰Ìfl, ‚ÚÓÓÈ— Ô‰‡ÂÚÒfl ‚ ÒÚÛÍÚÛÌÓ ÔÓ‰‡Á‰ÂÎÂÌËÂ.

艂‡ËÚÂθÌ˚È ÓÚ·Ó ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÔÓËÁ‚Ó‰ËÚÒfl ÔÓÒÔˆËÙË͇ˆËË Í‡ÒÒËÓÏ ‚ ÔËÒÛÚÒÚ‚ËË ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡.艂‡ËÚÂθÌÓ ÔÓ‰„ÓÚÓ‚ÎÂÌÌ˚ ÏÂÌ˚ ÒÎËÚÍË ı‡ÌflÚÒfl ‚Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÓÚ‰ÂθÌÓ ÓÚ ‰Û„Ëı ˆÂÌÌÓÒÚÂÈ ÔÓ ÓÔËÒËÛ˜ÂÚ‡ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚.

Ç˚‰‡˜‡ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ËÌ͇ÒÒ‡ÚÓ‡Ï ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á-‰ÂÎÂÌËÈ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓÒΠԉ˙fl‚ÎÂÌËfl ËÏË ‰ÓÍÛÏÂÌÚÓ‚,Û‰ÓÒÚÓ‚Âfl˛˘Ëı ΢ÌÓÒÚ¸, ‡ Ú‡ÍÊ ‰Ó‚ÂÂÌÌÓÒÚË Ì‡ Ô‚ÓÁÍÛˆÂÌÌÓÒÚÂÈ ÔÓ‰ ÓÒÔËÒ¸ ‚ ‡ÒıÓ‰ÌÓÏ Í‡ÒÒÓ‚ÓÏ Ó‰ÂÂ. Ç ‰Ó‚Â-ÂÌÌÓÒÚË Ì‡ ÔÓÎÛ˜ÂÌË Û͇Á˚‚‡˛ÚÒfl ̇ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ-„Ó ÏÂڇη, Ó·˘Â ÍÓ΢ÂÒÚ‚Ó Ë Ï‡ÒÒ‡ ‚ ÎË„‡ÚÛÂ.

èË ÔÓÎÛ˜ÂÌËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ ËÌ͇ÒÒ‡ÚÓ˚ ÔÓ‚Âfl˛Ú ˆÂ-ÎÓÒÚÌÓÒÚ¸ Ë Ô‡‚ËθÌÓÒÚ¸ ÛÔ‡ÍÓ‚ÍË, ‡ Ú‡ÍÊ ÒÓÓÚ‚ÂÚÒÚ‚Ë ÒÛÏÏ,Û͇Á‡ÌÌ˚ı ̇ flÎ˚͇ı, ‰‡ÌÌ˚Ï ÒÓÔÓ‚Ó‰ËÚÂθÌÓÈ ÓÔËÒË.

ëÍ·‰ ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ÓÚÔÛÒÍ ÙÛÚÎflÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á-‰ÂÎÂÌËflÏ Ì‡ ÓÒÌÓ‚‡ÌËË ‡Á̇fl‰ÍË, ÔÓ‰ÔËÒ‡ÌÌÓÈ Ì‡˜‡Î¸ÌËÍÓÏ(Á‡ÏÂÒÚËÚÂÎÂÏ Ì‡˜‡Î¸ÌË͇) ÛÔ‡‚ÎÂÌËfl Ó„‡ÌËÁ‡ˆËË Ë ÏÂÚÓ‰Ó-ÎÓ„ËË Í‡ÒÒÓ‚ÓÈ ‡·ÓÚ˚ ÑÂÔ‡Ú‡ÏÂÌÚ‡ ˝ÏËÒÒËÓÌÌÓ-͇ÒÒÓ‚˚ıÓÔ‡ˆËÈ Ë ÛÚ‚ÂʉÂÌÌÓÈ ‰ËÂÍÚÓÓÏ (Á‡ÏÂÒÚËÚÂÎÂÏ ‰ËÂÍÚÓ-‡) ÑÂÔ‡Ú‡ÏÂÌÚ‡ ˝ÏËÒÒËÓÌÌÓ-͇ÒÒÓ‚˚ı ÓÔ‡ˆËÈ.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂ-ÌËfl ̇ ÓÒÌÓ‚‡ÌËË Ú·ӂ‡ÌËfl-̇Í·‰ÌÓÈ ÔÓÎÛ˜‡ÂÚ ‚ ÔÓ‰ÓÚ˜ÂÚÙÛÚÎfl˚ ̇ ÒÍ·‰Â ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl Ë Ó·ÂÒÔ˜˂‡-ÂÚ Ëı ı‡ÌÂÌË ‚ Ò‚ÓÂÏ Ë̉˂ˉۇθÌÓÏ Ò‰ÒÚ‚Â ı‡ÌÂÌËfl ˆÂÌ-ÌÓÒÚÂÈ (ÏÂÚ‡Î΢ÂÒÍËÈ ¯Í‡Ù ËÎË ÒÂÈÙ).

îÛÚÎfl˚, ̇ıÓ‰fl˘ËÂÒfl ‚ ÔÓ‰ÓÚ˜ÂÚÂ Û Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó-‚ÓÈ ˆÂÌÌÓÒÚÂÈ, ‚ ÒÎÛ˜‡Â Â„Ó Ì‡ıÓʉÂÌËfl ‚ ÂÊ„ӉÌÓÏ ÓÚÔÛÒÍÂ, ‡Ú‡ÍÊ ‚ÂÏÂÌÌÓ„Ó ÓÚÒÛÚÒÚ‚Ëfl ̇ ‡·ÓÚ ÔÓ ‰Û„ËÏ Ô˘Ë̇Ï(ÍÓχ̉Ëӂ͇, ·ÓÎÂÁ̸, ‚˚ÔÓÎÌÂÌË „ÓÒÛ‰‡ÒÚ‚ÂÌÌ˚ı ËÎË Ó·-˘ÂÒÚ‚ÂÌÌ˚ı ÔÓÛ˜ÂÌËÈ) Ô‰‡˛ÚÒfl ÎˈÛ, ‚ÂÏÂÌÌÓ ËÒÔÓÎÌfl˛-˘ÂÏÛ Ó·flÁ‡ÌÌÓÒÚË, ÔÓ ‡ÍÚÛ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 4 Í Ì‡ÒÚÓfl˘ËÏ臂Ë·Ï, ÒÓÒÚ‡‚ÎÂÌÌÓÏÛ ‚ ÚÂı ˝ÍÁÂÏÔÎfl‡ı. è‚˚È ˝ÍÁÂÏÔ-Îfl Ô‰‡ÂÚÒfl ‚ ÒÚÛÍÚÛÌÓ ÔÓ‰‡Á‰ÂÎÂÌËÂ, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Â·Ûı„‡ÎÚÂÒÍËÈ Û˜ÂÚ, ‰Îfl ÓÚ‡ÊÂÌËfl ‚ Û˜ÂÚÂ, ‚ÚÓÓÈ — ÓÒÚ‡ÂÚÒflÛ Ô‰‡˛˘ÂÈ ÒÚÓÓÌ˚, ÚÂÚËÈ — Û ÔËÌËχ˛˘ÂÈ ÒÚÓÓÌ˚ Ëı‡ÌËÚÒfl ‚ ÓÚ‰ÂθÌÓÏ ‰ÂΠ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓÏÂÌÍ·ÚÛÓȉÂÎ.

8. ëÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl ̇ԇ‚Îfl˛Ú ‚ ÑÂÔ‡Ú‡ÏÂÌÚ˝ÏËÒÒËÓÌÌÓ-͇ÒÒÓ‚˚ı ÓÔ‡ˆËÈ ÔÓ‰Ú‚ÂʉÂÌËÂ Ó ÔÓÎÛ˜ÂÌËËÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ‰Îfl ‰ÂÌÂÊÌÓÈ Ì‡-΢ÌÓÒÚË. Ç ÔÓ‰Ú‚ÂʉÂÌËË Û͇Á˚‚‡˛ÚÒfl: ‰‡Ú‡ Ë ÌÓÏ ËÒÔÓÎ-ÌÂÌÌÓ„Ó ‡ÒÔÓflÊÂÌËfl, ‰‡Ú‡ ÔÓÎÛ˜ÂÌËfl, ̇ËÏÂÌÓ‚‡ÌË ÔÓÎÛ˜‡-ÚÂÎfl ÏÂÌ˚ı ÒÎËÚÍÓ‚, ̇ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη, ÎË-„‡ÚÛ̇fl χÒÒ‡ (ÌÓÏË̇θ̇fl χÒÒ‡) Ó‰ÌÓ„Ó ÒÎËÚ͇ ‚ „‡Ïχı,ÍÓ΢ÂÒÚ‚Ó — ‚ ¯ÚÛ͇ı Ë Ó·˘‡fl ÎË„‡ÚÛ̇fl (ÌÓÏË̇θ̇fl) χÒ-Ò‡ — ‚ „‡Ïχı.

É·‚‡ 3èÓ‰‡Ê‡ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÙÛÚÎflÓ‚9. èÓ‰‡Ê‡ ÒÚÛÍÚÛÌ˚ÏË ÔÓ‰‡Á‰ÂÎÂÌËflÏË ÏÂÌ˚ı ÒÎËÚÍÓ‚

Ë/ËÎË ÙÛÚÎflÓ‚ ‰ÓÎÊ̇ ÓÒÛ˘ÂÒÚ‚ÎflÚ¸Òfl ‚ ÔÓÏ¢ÂÌËË Í‡ÒÒÓ‚Ó„ÓÛÁ· ËÎË ËÌÓÏ Ó·ÓÒÓ·ÎÂÌÌÓÏ ÔÓÏ¢ÂÌËË, Ó·ÂÒÔ˜˂‡˛˘ÂÏ ÒÓ-ı‡ÌÌÓÒÚ¸ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÌÂÓ·ıÓ‰ËÏ˚ ÛÒÎÓ‚Ëfl ‡·ÓÚ˚ Ò ÌË-ÏË.

10. ëÓ‰ÂʇÌËÂ Ë ‡ÒÔÓÎÓÊÂÌË χÍËÓ‚ÍË Ì‡ ÏÂÌ˚ıÒÎËÚ͇ı ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚, ‡ÎËÁÛÂÏ˚ı 燈ËÓ̇θÌ˚Ï·‡ÌÍÓÏ, ‰Ó‚Ó‰ËÚÒfl ÑÂÔ‡Ú‡ÏÂÌÚÓÏ ÏÂʉÛ̇ӉÌ˚ı ÓÔ‡ˆËÈ ‰ÓÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇.

11. åÂÌ˚ ÒÎËÚÍË, Ô‰̇Á̇˜ÂÌÌ˚ ‰Îfl ‡ÎËÁ‡ˆËË ÙËÁË-˜ÂÒÍËÏ Ë/ËÎË ˛Ë‰Ë˜ÂÒÍËÏ Îˈ‡Ï, ‰ÓÎÊÌ˚ ·˚Ú¸ ÛÔ‡ÍÓ‚‡Ì˚.

12. ÑÂÔ‡Ú‡ÏÂÌÚ ˝ÏËÒÒËÓÌÌÓ-͇ÒÒÓ‚˚ı ÓÔ‡ˆËÈ ÓÔ‰ÂÎfl-ÂÚ ‚ˉ ÛÔ‡ÍÓ‚ÍË ÏÂÌ˚ı ÒÎËÚÍÓ‚, ‡ Ú‡ÍÊ ӄ‡ÌËÁÛÂÚ Â ËÁ„Ó-ÚÓ‚ÎÂÌË ËÎË ÔËÓ·ÂÚÂÌËÂ. ÑÂÔ‡Ú‡ÏÂÌÚ ˝ÏËÒÒËÓÌÌÓ-͇ÒÒÓ‚˚ıÓÔ‡ˆËÈ ÔÓ Òӄ·ÒÓ‚‡Ì˲ Ò ÑÂÔ‡Ú‡ÏÂÌÚÓÏ ÏÂʉÛ̇ӉÌ˚ıÓÔ‡ˆËÈ Ó„‡ÌËÁÛÂÚ ‡Á‡·ÓÚÍÛ ˝ÒÍËÁÓ‚ ÂÍ·ÏÌ˚ı ÎËÒÚÓ‚ÓÍ ÍÏÂÌ˚Ï ÒÎËÚ͇Ï.

13. ìÔ‡Íӂ͇ (·ÏËÌËÓ‚‡ÌËÂ) ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÔÓËÁ‚Ó‰ËÚ-Òfl ÒÎÂ‰Û˛˘ËÏ Ó·‡ÁÓÏ:

ÏÂÌ˚ ÒÎËÚÍË ÌÓÏË̇ÎÓÏ 1—5 „ ·ÏËÌËÛ˛ÚÒfl ‚ÏÂÒÚ ÒÛÔ‡ÍÓ‚Ó˜Ì˚Ï ‚Í·‰˚¯ÂÏ, ‡ Á‡ÚÂÏ ‚Í·‰˚‚‡˛ÚÒfl ‚ ÔÓÎË˝ÚËÎÂ-ÌÓ‚˚È Ô‡ÍÂÚ Ò ÔÓ‰ÎËÌÌ˚Ï ÒÂÚËÙË͇ÚÓÏ Í‡˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„Ó-ÚÓ‚ËÚÂÎfl;

ÒÎËÚÍË ÌÓÏË̇ÎÓÏ 10—5000 „ ͇ʉ˚È ÓÚ‰ÂθÌÓ ‚Í·‰˚‚‡-˛ÚÒfl ‚ ÔÓÎË˝ÚËÎÂÌÓ‚˚È Ô‡ÍÂÚ, ‡ Á‡ÚÂÏ ‚ Ô‡ÍÂÚ ‚ÏÂÒÚÂ Ò ÒÂÚË-ÙË͇ÚÓÏ Í‡˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl.

ÑÎfl ‰ÓÔÓÎÌËÚÂθÌÓÈ ÛÔ‡ÍÓ‚ÍË ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÏÓ„ÛÚ ·˚Ú¸ËÒÔÓθÁÓ‚‡Ì˚ ÙÛÚÎfl˚.

èË ÌÂÓ·ıÓ‰ËÏÓÒÚË ÏÂÌ˚ ÒÎËÚÍË ÏÓ„ÛÚ ·˚Ú¸ ÛÔ‡ÍÓ‚‡Ì˚ ‚ËÌÓÏ ÔÓfl‰Í ̇ ÓÒÌÓ‚‡ÌËË ‡ÒÔÓflÊÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇.

14. ëÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Ë ÔÓ‰‡ÊÛÏÂÌ˚ı ÒÎËÚÍÓ‚ ÚÓθÍÓ ‚ ·ÏËÌËÓ‚‡ÌÌÓÈ ÛÔ‡ÍÓ‚ÍÂ, ÏÓ„ÛÚ ÌÂÓ·ÂÒÔ˜˂‡Ú¸Òfl ‚ÂÒÓ‚˚Ï Ó·ÓÛ‰Ó‚‡ÌËÂÏ.

15. 䇘ÂÒÚ‚Ó ÏÂÌÓ„Ó ÒÎËÚ͇ „‡‡ÌÚËÛÂÚÒfl Á‡‚Ó‰ÓÏ-ËÁ„Ó-ÚÓ‚ËÚÂÎÂÏ Ë ÔÓ‰Ú‚Âʉ‡ÂÚÒfl ÔË·„‡ÂÏ˚Ï ÒÂÚËÙË͇ÚÓÏ Í‡-˜ÂÒÚ‚‡.

èÓ‰‡Ê‡ 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÓÒÛ˘ÂÒÚ‚-ÎflÂÚÒfl Ò ÔËÎÓÊÂÌËÂÏ Í ÌËÏ ÒÂÚËÙË͇ÚÓ‚ ͇˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl, ÔÓ‰Ú‚Âʉ‡˛˘Ëı ÔÓ‰ÎËÌÌÓÒÚ¸ ÏÂÌ˚ı ÒÎËÚÍÓ‚.

燈ËÓ̇θÌ˚È ·‡ÌÍ ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ÔÓ‰‡ÊÛ ÏÂÌ˚ı ÒÎËÚÍÓ‚Ë/ËÎË ÙÛÚÎflÓ‚ Ò ÓÔ·ÚÓÈ Í‡Í ‚ ̇΢ÌÓÈ, Ú‡Í Ë ‚ ·ÂÁ̇΢ÌÓÈÙÓÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸.

16. Ç ÒÎÛ˜‡Â ÔÓ‰‡ÊË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚ ÔÓ·ÂÁ̇΢ÌÓÏÛ ‡Ò˜ÂÚÛ ÍÎËÂÌÚ ÔÓ‰‡ÂÚ Á‡fl‚ÍÛ ÔÓËÁ‚ÓθÌÓÈ

42 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ÙÓÏ˚, ‚ ÍÓÚÓÓÈ Û͇Á˚‚‡˛ÚÒfl: ̇ËÏÂÌÓ‚‡ÌËÂ Ë ‚ˉ ‰‡„ÓˆÂÌ-ÌÓ„Ó ÏÂڇη, ÍÓ΢ÂÒÚ‚Ó ÒÎËÚÍÓ‚, χÒÒ‡ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ-̇fl χÒÒ‡) ÒÎËÚÍÓ‚ Ë/ËÎË ÚËÔ ÙÛÚÎflÓ‚ Ë Ëı ÍÓ΢ÂÒÚ‚Ó. îËÁË-˜ÂÒÍÓ ÎËˆÓ ‰ÓÔÓÎÌËÚÂθÌÓ ‚ Á‡fl‚Í Û͇Á˚‚‡ÂÚ Ò‚ÓË Ô‡ÒÔÓÚ-Ì˚ ‰‡ÌÌ˚Â.

Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÔËÌflÚ˚ÏË Á‡fl‚͇ÏË ÒÚÛÍÚÛÌÓ ÔÓ‰‡Á-‰ÂÎÂÌËÂ, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Â ·Ûı„‡ÎÚÂÒÍËÈ Û˜ÂÚ ÓÔ‡ˆËÈ Ò ‰‡-„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËÈ, ‚˚ÔËÒ˚‚‡ÂÚÍÎËÂÌÚÛ Ò˜ÂÚ-Ù‡ÍÚÛÛ ‰Îfl ÓÔ·Ú˚ ‚ ·ÂÁ̇΢ÌÓÈ ÙÓÏ Á‡fl‚-ÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚.

17. ç‡ ÓÒÌÓ‚‡ÌËË Á‡fl‚ÍË ÍÎËÂÌÚ‡ Á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓȈÂÌÌÓÒÚÂÈ ÒÓÒÚ‡‚ÎflÂÚ ÓÔËÒ¸ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 5 Í Ì‡ÒÚÓfl-˘ËÏ è‡‚Ë·Ï:

‚ ÚÂı ˝ÍÁÂÏÔÎfl‡ı — ‰Îfl ÙËÁ˘ÂÒÍËı Îˈ;‚ ‰‚Ûı ˝ÍÁÂÏÔÎfl‡ı — ‰Îfl ˛Ë‰Ë˜ÂÒÍËı Îˈ.é‰ËÌ ˝ÍÁÂÏÔÎfl ÓÔËÒË Á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÂ-

‰‡ÂÚ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÏÛ ËÒÔÓÎÌËÚÂβ, ÍÓÚÓ˚È ÔÓ‚ÂflÂÚ ÔÓ-ÒÚÛÔÎÂÌË ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ÓÚ ÍÎËÂÌÚ‡ ̇ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÈÒ˜ÂÚ ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl. ÑÂÌÂÊÌ˚ Ò‰ÒÚ‚‡ ‰ÓÎÊÌ˚·˚Ú¸ Ô˜ËÒÎÂÌ˚ ÍÎËÂÌÚÓÏ Ì ÔÓÁÊ ӉÌÓ„Ó ‡·Ó˜Â„Ó ‰Ìfl ÔÓ-ÒΠ‰Ìfl ‚˚ÔËÒÍË Ò˜ÂÚ‡-Ù‡ÍÚÛ˚, ‚ ÔÓÚË‚ÌÓÏ ÒÎÛ˜‡Â ÍÎËÂÌÚÛ‚˚ÔËÒ˚‚‡ÂÚÒfl ÌÓ‚˚È Ò˜ÂÚ-Ù‡ÍÚÛ‡.

ç‡ ÓÒÌÓ‚‡ÌËË ÓÔËÒË Ë ‰Ó‚ÂÂÌÌÓÒÚË ÍÎËÂÌÚ‡ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÈÙÓÏ˚ (‰Îfl ˛Ë‰Ë˜ÂÒÍËı Îˈ) ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚È ËÒÔÓÎÌËÚÂθÓÙÓÏÎflÂÚ ‡ÒıÓ‰Ì˚È Í‡ÒÒÓ‚˚È Ó‰Â (ÚÓθÍÓ ‰Îfl ÏÂÌ˚ıÒÎËÚÍÓ‚) ̇ ÒÔËÒ‡ÌË ÒÚÓËÏÓÒÚË ÔÓ‰‡ÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚, ‡Ú‡ÍÊ ÚÓ‚‡ÌÓ-Ú‡ÌÒÔÓÚÌ˚ ̇Í·‰Ì˚ ÙÓÏ˚ ííç-1 ËÎË ÚÓ-‚‡Ì˚ ̇Í·‰Ì˚ ̇ ÓÚÔÛÒÍ Ë ÓÔËıÓ‰Ó‚‡ÌË ÚÓ‚‡ÌÓ-χÚÂË-‡Î¸Ì˚ı ˆÂÌÌÓÒÚÂÈ ÙÓÏ˚ íç-2 ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚Ì˚ÏËÔ‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ (‰Îfl ˛Ë‰Ë˜ÂÒÍËıÎˈ). ê‡ÒıÓ‰Ì˚È Í‡ÒÒÓ‚˚È Ó‰Â, ÓÔËÒ¸, ÚÓ‚‡ÌÓ-Ú‡ÌÒÔÓÚÌ˚Â̇Í·‰Ì˚ ÙÓÏ˚ ííç-1 ËÎË ÚÓ‚‡Ì˚ ̇Í·‰Ì˚ ̇ ÓÚÔÛÒÍ ËÓÔËıÓ‰Ó‚‡ÌË ÚÓ‚‡ÌÓ-χÚ¡θÌ˚ı ˆÂÌÌÓÒÚÂÈ ÙÓÏ˚ íç-2Ë ‰Ó‚ÂÂÌÌÓÒÚ¸ ̇ԇ‚Îfl˛ÚÒfl Á‡‚Â‰Û˛˘ÂÏÛ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒ-ÚÂÈ.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ì‡ ÓÒÌÓ‚‡ÌËË ÓÔËÒË ÔÓ‰„Ó-Ú‡‚ÎË‚‡ÂÚ ÏÂÌ˚ ÒÎËÚÍË Ë/ËÎË ÙÛÚÎfl˚ Í ÔÓ‰‡ÊÂ.

18. ÑÎfl ˛Ë‰Ë˜ÂÒÍËı Îˈ ‰ÓÍÛÏÂÌÚÓÓ·ÓÓÚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒflÒÎÂ‰Û˛˘ËÏ Ó·‡ÁÓÏ:

ÍÎËÂÌÚ Ë Á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÓ‰ÔËÒ˚‚‡˛Ú ÚÓ-‚‡ÌÓ-Ú‡ÌÒÔÓÚÌ˚ ̇Í·‰Ì˚ ÙÓÏ˚ ííç-1 ËÎË ÚÓ‚‡Ì˚Â̇Í·‰Ì˚ ̇ ÓÚÔÛÒÍ Ë ÓÔËıÓ‰Ó‚‡ÌË ÚÓ‚‡ÌÓ-χÚ¡θÌ˚ıˆÂÌÌÓÒÚÂÈ ÙÓÏ˚ íç-2, ÔÓÒΠ˜Â„Ó ÏÂÌ˚ ÒÎËÚÍË Ë/ËÎË ÙÛÚÎfl-˚ ‚ÏÂÒÚÂ Ò Ô‚˚Ï ˝ÍÁÂÏÔÎflÓÏ (˝ÍÁÂÏÔÎfl‡ÏË) ÚÓ‚‡ÌÓ-Ú‡ÌÒÔÓÚÌÓÈ Ì‡Í·‰ÌÓÈ ËÎË ÚÓ‚‡ÌÓÈ Ì‡Í·‰ÌÓÈ Ì‡ ÓÚÔÛÒÍ ËÓÔËıÓ‰Ó‚‡ÌË ÚÓ‚‡ÌÓ-χÚ¡θÌ˚ı ˆÂÌÌÓÒÚÂÈ Ô‰‡˛ÚÒflÍÎËÂÌÚÛ;

‚ÚÓÓÈ ˝ÍÁÂÏÔÎfl ÚÓ‚‡ÌÓ-Ú‡ÌÒÔÓÚÌÓÈ Ì‡Í·‰ÌÓÈ ËÎË ÚÓ-‚‡ÌÓÈ Ì‡Í·‰ÌÓÈ Ì‡ ÓÚÔÛÒÍ Ë ÓÔËıÓ‰Ó‚‡ÌË ÚÓ‚‡ÌÓ-χÚÂË-‡Î¸Ì˚ı ˆÂÌÌÓÒÚÂÈ, ÓÔËÒ¸, ‡ÒıÓ‰Ì˚È Í‡ÒÒÓ‚˚È Ó‰Â (ÚÓθÍÓ‰Îfl ÏÂÌ˚ı ÒÎËÚÍÓ‚), ‰Ó‚ÂÂÌÌÓÒÚ¸ ÍÎËÂÌÚ‡ ÓÒÚ‡˛ÚÒfl Û Á‡‚‰Û-˛˘Â„Ó Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ, ‡ Á‡ÚÂÏ ÔÓ‰¯Ë‚‡˛ÚÒfl ‚ ͇ÒÒÓ‚˚‰ÓÍÛÏÂÌÚ˚ ‰Ìfl;

‚ÚÓÓÈ ˝ÍÁÂÏÔÎfl ÓÔËÒË Ô‰‡ÂÚÒfl ‚ ÒÚÛÍÚÛÌÓ ÔÓ‰‡Á-‰ÂÎÂÌËÂ, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Â ·Ûı„‡ÎÚÂÒÍËÈ Û˜ÂÚ ÓÔ‡ˆËÈ Ò ‰‡-„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËÈ, ‰Îfl ÒÔËÒ‡-ÌËfl ÙÛÚÎflÓ‚ Ò ÔÓ‰ÓÚ˜ÂÚ‡ Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ.

19. èË ÓÔ·Ú ÙËÁ˘ÂÒÍËÏË Îˈ‡ÏË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎËÙÛÚÎflÓ‚ ‚ ·ÂÁ̇΢ÌÓÈ ÙÓÏÂ:

ÍÎËÂÌÚ Ë Á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÓ‰ÔËÒ˚‚‡˛Ú ÚË˝ÍÁÂÏÔÎfl‡ ÓÔËÒË, ÔÓÒΠ˜Â„Ó ÏÂÌ˚ ÒÎËÚÍË Ë/ËÎË ÙÛÚÎfl˚‚ÏÂÒÚÂ Ò Ô‚˚Ï ˝ÍÁÂÏÔÎflÓÏ ÓÔËÒË Ô‰‡˛ÚÒfl ÍÎËÂÌÚÛ;

‚ÚÓ˚ ˝ÍÁÂÏÔÎfl˚ ÓÔËÒË Ë ‡ÒıÓ‰ÌÓ„Ó Í‡ÒÒÓ‚Ó„Ó Ó‰Â‡(ÚÓθÍÓ ‰Îfl ÏÂÌ˚ı ÒÎËÚÍÓ‚) ÓÒÚ‡˛ÚÒfl Û Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó‚ÓȈÂÌÌÓÒÚÂÈ, ‡ Á‡ÚÂÏ ÔÓ‰¯Ë‚‡˛ÚÒfl ‚ ͇ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ ‰Ìfl;

ÚÂÚËÈ ˝ÍÁÂÏÔÎfl ÓÔËÒË Ô‰‡ÂÚÒfl ‚ ÒÚÛÍÚÛÌÓ ÔÓ‰‡Á-‰ÂÎÂÌËÂ, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Â ·Ûı„‡ÎÚÂÒÍËÈ Û˜ÂÚ ÓÔ‡ˆËÈ Ò ‰‡-„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËÈ, ‰Îfl ÒÔËÒ‡-ÌËfl ÙÛÚÎflÓ‚ Ò ÔÓ‰ÓÚ˜ÂÚ‡ Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ.

20. èÓ‰‡Ê‡ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚ Á‡ ̇΢Ì˚ȇҘÂÚ ‚ ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰ÂÎÂÌËflı ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl Ò ËÒ-ÔÓθÁÓ‚‡ÌËÂÏ ÍÓÏÔ¸˛ÚÂÌ˚ı ÒËÒÚÂÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ-‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ‚˚‰‡ÂÚ ÌÂÓ·ıÓ‰ËÏÓ ÍÓ-΢ÂÒÚ‚Ó ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ÒÂı ‚ˉӂ, Ëϲ˘ËıÒfl ‚ ̇΢ËË, Ë

ÒÂÚËÙË͇ÚÓ‚ ͇˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl Í ÌËÏ Í‡ÒÒËÛ(ÒÔˆˇÎËÒÚÛ-˝ÍÒÔÂÚÛ) ÔÓ‰ ÓÒÔËÒ¸ ‚ ÍÌË„Â Û˜ÂÚ‡ ÔËÌflÚ˚ı Ë‚˚‰‡ÌÌ˚ı ˆÂÌÌÓÒÚÂÈ Í‡ÒÒÓ‚˚Ï ‡·ÓÚÌËÍÓÏ (‰‡Î — ÍÌË„‡ Û˜Â-Ú‡ 0402380124). èË ˝ÚÓÏ ‚ „‡Ù “ç‡ËÏÂÌÓ‚‡ÌË ˆÂÌÌÓÒÚÂÈ”Û͇Á˚‚‡˛ÚÒfl: ‚ˉ Ë Ì‡ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη, χÒÒ‡‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡), ‚ „‡Ù “äÓ΢ÂÒÚ‚Ó ‡ÒıÓ‰Ì˚ı‰ÓÍÛÏÂÌÚÓ‚” — ÍÓ΢ÂÒÚ‚Ó ¯ÚÛÍ, ‡ ‚ „‡Ù “ëÛÏχ ˆËÙ‡ÏË” —Ó·˘‡fl χÒÒ‡ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡).

艇˜‡ Á‡‚Â‰Û˛˘ËÏ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Í‡ÒÒËÛ (ÒÔˆË-‡ÎËÒÚÛ-˝ÍÒÔÂÚÛ) ÙÛÚÎflÓ‚, ‡ Ú‡ÍÊ Ëı Ó·‡ÚÌ˚È ÔËÂÏ ÓÒÛ˘Â-ÒÚ‚Îfl˛ÚÒfl ÔÓ ÍÌË„Â Û˜ÂÚ‡ 0402380124.

ï‡ÌÂÌË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚ ‰Ó ÏÓÏÂÌÚ‡ Ëı‚˚‰‡˜Ë ÍÎËÂÌÚÛ ‰ÓÎÊÌÓ ÓÒÛ˘ÂÒÚ‚ÎflÚ¸Òfl ͇ÒÒËÓÏ (ÒÔˆˇÎËÒ-ÚÓÏ-˝ÍÒÔÂÚÓÏ) ‚ ÒÂÈÙ (ÏÂÚ‡Î΢ÂÒÍÓÏ ¯Í‡ÙÛ).

21. ä‡ÒÒË (ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ), ÔÓÎۘ˂ ÓÚ ÍÎËÂÌÚ‡ ·ÂÎÓ-ÛÒÒÍË ۷ÎË ËÎË ËÌÓÒÚ‡ÌÌÛ˛ ‚‡Î˛ÚÛ, ‚˚‰‡ÂÚ ÂÏÛ ÏÂÌ˚ÂÒÎËÚÍË, ÒÂÚËÙË͇Ú˚ ͇˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl Ë/ËÎË ÙÛÚ-Îfl˚, ‡ Ú‡ÍÊ ÓÚ˚‚ÌÓÈ Ú‡ÎÓÌ, ÔÓ‰Ú‚Âʉ‡˛˘ËÈ Ù‡ÍÚ ÒÓ‚Â-¯ÂÌËfl ÔÓ‰‡ÊË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚, ÔÓ ÙÓÏ ÒÓ-„·ÒÌÓ ÔËÎÓÊÂÌ˲ 6 Í Ì‡ÒÚÓfl˘ËÏ è‡‚Ë·Ï. éÚ˚‚ÌÓÈ Ú‡ÎÓÌ„ËÒÚËÛÂÚÒfl ‚ ÂÂÒÚ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (‰‡Î — Â-ÂÒÚ) ÔÓ ÙÓÏ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 7 Í Ì‡ÒÚÓfl˘ËÏ è‡‚Ë·Ï.êÂÂÒÚ ‚‰ÂÚÒfl ÓÚ‰ÂθÌÓ ÔÓ Í‡Ê‰ÓÏÛ Ì‡ËÏÂÌÓ‚‡Ì˲ ‰‡„ÓˆÂÌ-ÌÓ„Ó ÏÂڇη, ̇ËÏÂÌÓ‚‡Ì˲ ‚‡Î˛Ú˚.

22. ëÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl ÔËÌËχ˛Ú Í ‡ÒÒÏÓÚÂÌ˲ÚÓθÍÓ Ú ÔÂÚÂÌÁËË, ÍÓÚÓ˚ Ô‰˙fl‚Îfl˛ÚÒfl ÍÎËÂÌÚ‡ÏË ÌÂÔÓ-Ò‰ÒÚ‚ÂÌÌÓ ÔË ÔÓÎÛ˜ÂÌËË ËÏË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎfl-Ó‚.

23. èÓ ÓÍÓ̘‡ÌËË ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl ÔÓËÁ‚Ó‰ËÚÒfl Ò‚Â͇ÓÔ‡ˆËÈ ÔÓ Â‡ÎËÁ‡ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚ Ë ËıÓÒÚ‡ÚÍÓ‚ Ò ‰‡ÌÌ˚ÏË ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓ-χÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ Ò Û˜ÂÚÓÏÓÒÓ·ÂÌÌÓÒÚÂÈ, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı ̇ÒÚÓfl˘ËÏË è‡‚Ë·ÏË.

Ç ÍÓ̈ ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl ͇ÒÒË (ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ) ÔÓ‰-Ò˜ËÚ˚‚‡ÂÚ ÒÛÏÏÛ ‡ÒıÓ‰‡ ÔÓ Í‡Ê‰ÓÏÛ Ì‡ËÏÂÌÓ‚‡Ì˲ ÏÂÌ˚ıÒÎËÚÍÓ‚ Ë/ËÎË ÚËÔÛ ÙÛÚÎfl‡, Á‡ÔÓÎÌflÂÚ Ò‚Ó‰Ì˚È ÂÂÒÚ ‰‡„Ó-ˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (‰‡Î — Ò‚Ó‰Ì˚È ÂÂÒÚ) ÔÓ Í‡Ê‰ÓÏÛ Ì‡ËÏÂ-ÌÓ‚‡Ì˲ ‚‡Î˛Ú Ë/ËÎË ÚËÔÛ ÙÛÚÎflÓ‚ ÔÓ ÙÓÏ Òӄ·ÒÌÓ ÔËÎÓ-ÊÂÌ˲ 8 Í Ì‡ÒÚÓfl˘ËÏ è‡‚Ë·Ï. á‡ÚÂÏ Í‡ÒÒË (ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ) ÒÓÒÚ‡‚ÎflÂÚ ÓÚ˜ÂÚÌÛ˛ ÒÔ‡‚ÍÛ Ó Í‡ÒÒÓ‚˚ı Ó·ÓÓÚ‡ı ÔÓ‡ÎËÁ‡ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Á‡ ‰Â̸ ÔÓ ÙÓÏ Òӄ·ÒÌÓ ÔËÎÓ-ÊÂÌ˲ 9 Í Ì‡ÒÚÓfl˘ËÏ è‡‚ËÎ‡Ï Ë Ò‚ÂflÂÚ ÍÓ΢ÂÒÚ‚Ó ÏÂÌ˚ıÒÎËÚÍÓ‚, Û͇Á‡ÌÌÓ ‚ ˝ÚÓÈ ÒÔ‡‚ÍÂ, Ò Ëı Ù‡ÍÚ˘ÂÒÍËÏ Ì‡Î˘ËÂÏ.

Ç ÍÓ̈ ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl ͇ÒÒË (ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ) ÛÔ‡-ÍÓ‚˚‚‡ÂÚ ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰Í ‰ÂÌÂÊÌÛ˛ ̇΢ÌÓÒÚ¸ ‚ ·Â-ÎÓÛÒÒÍËı Û·Îflı Ë ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ, ÔÓÒΠ˜Â„Ó Ô‰‡ÂÚ Â‚ÏÂÒÚÂ Ò ÓÚ˜ÂÚÌÓÈ ÒÔ‡‚ÍÓÈ Ó Í‡ÒÒÓ‚˚ı Ó·ÓÓÚ‡ı Á‡ ‰Â̸ Ë ÓÒ-Ú‡Ú͇ı ˆÂÌÌÓÒÚÂÈ (‰‡Î — ÓÚ˜ÂÚ̇fl ÒÔ‡‚͇ 0402830114) Á‡‚Â-‰Û˛˘ÂÏÛ Ó·ÓÓÚÌÓÈ Í‡ÒÒÓÈ ÔÓ‰ ÓÒÔËÒ¸ ‚ ÍÌË„Â Û˜ÂÚ‡0402380124. èËÂÏ Á‡‚Â‰Û˛˘ËÏ Ó·ÓÓÚÌÓÈ Í‡ÒÒÓÈ ‰ÂÌÂÊÌÓÈ̇΢ÌÓÒÚË ÓÚ Í‡ÒÒˇ (ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡) ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂ.

éÒÚ‡ÚÓÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë/ËÎË ÙÛÚÎflÓ‚ ‚ÏÂÒÚÂ Ò ÂÂÒÚ‡-ÏË ÔÓ‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚), Ò‚Ó‰Ì˚Ï ÂÂ-ÒÚÓÏ ÔÓ‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚), ÓÚ˜ÂÚÌÓÈÒÔ‡‚ÍÓÈ Ó Í‡ÒÒÓ‚˚ı Ó·ÓÓÚ‡ı ÔÓ Â‡ÎËÁ‡ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Á‡‰Â̸ ͇ÒÒË Ô‰‡ÂÚ Á‡‚Â‰Û˛˘ÂÏÛ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÓ‰ÓÒÔËÒ¸ ‚ ÍÌË„Â Û˜ÂÚ‡ 0402380124.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ò‚ÂflÂÚ ÓÒÚ‡ÚÓÍ ÔËÌËχ-ÂÏ˚ı ÓÚ Í‡ÒÒˇ (ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡) ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ò ËıÍÓ΢ÂÒÚ‚ÓÏ, Û͇Á‡ÌÌ˚Ï ‚ ÓÚ˜ÂÚÌÓÈ ÒÔ‡‚ÍÂ Ó Í‡ÒÒÓ‚˚ı Ó·ÓÓ-Ú‡ı ÔÓ Â‡ÎËÁ‡ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Á‡ ‰Â̸, ‡ÒÔËÒ˚‚‡ÂÚÒfl ‚ÌÂÈ, ÂÂÒÚ‡ı ÔÓ‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚) ËÒ‚Ó‰ÌÓÏ ÂÂÒÚ ÔÓ‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚),ÔÓÒΠ˜Â„Ó ÓڇʇÂÚ ÍÓ΢ÂÒÚ‚Ó ÔËÌflÚ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚Ò‚ÓÂÈ ÍÌË„Â Û˜ÂÚ‡ 0402380124.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ô‰‡ÂÚ ÂÂÒÚ˚ Ë Ò‚Ó‰-Ì˚È ÂÂÒÚ ÔÓ‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚) ÓÚ-‚ÂÚÒÚ‚ÂÌÌÓÏÛ ËÒÔÓÎÌËÚÂβ ‰Îfl ÍÓÌÚÓÎfl, ÒÓÒÚ‡‚ÎÂÌËfl ÔËıÓ‰-ÌÓ„Ó Í‡ÒÒÓ‚Ó„Ó (‚‡Î˛ÚÌÓ„Ó) Ӊ‡ ̇ ÓÔËıÓ‰Ó‚‡ÌË ‰ÂÌÂÊÌ˚ıÒ‰ÒÚ‚ Ë ‡ÒıÓ‰ÌÓ„Ó Í‡ÒÒÓ‚Ó„Ó Ó‰Â‡ ̇ ÒÔËÒ‡ÌË ÒÚÓËÏÓÒÚËÔÓ‰‡ÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ (ÙÛÚÎflÓ‚), ‡ Ú‡ÍÊ ÓÚ‡ÊÂÌËfl ÔÓ-‚‰ÂÌÌ˚ı Á‡ ‰Â̸ ÓÔ‡ˆËÈ ÔÓ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÏ Ò˜ÂÚ‡Ï ·Ûı„‡Î-ÚÂÒÍÓ„Ó Û˜ÂÚ‡. ëÔËÒ‡ÌË ÙÛÚÎflÓ‚ Ò ÔÓ‰ÓÚ˜ÂÚ‡ Á‡‚Â‰Û˛˘Â„ÓÍ·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÓËÁ‚Ó‰ËÚÒfl ̇ ÓÒÌÓ‚‡ÌËË ÂÂÒÚ‡ ÔÓ-

43Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

‰‡ÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÙÛÚÎflÓ‚). èÓÒΠ˝ÚÓ„Ó ‰ÓÍÛ-ÏÂÌÚ˚ ‚ÓÁ‚‡˘‡˛ÚÒfl ‚ ͇ÒÒÛ Ë ÔÓ‰¯Ë‚‡˛ÚÒfl ‚ ͇ÒÒÓ‚˚ ‰ÓÍÛ-ÏÂÌÚ˚ ‰Ìfl.

ä‡ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ ‰Ìfl ÔÓ ÓÔ‡ˆËflÏ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂ-ڇηÏË ·Ó¯˛Û˛ÚÒfl ‚ ÓÚ‰ÂθÌ˚ ԇÔÍË (Ò ÚËÚÛθÌ˚Ï ÎËÒÚÓÏÔÓ ÙÓÏ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 10 Í Ì‡ÒÚÓfl˘ËÏ è‡‚Ë·Ï) ‚ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ÏË ÒÓ͇ÏË Ëı ı‡ÌÂÌËfl, Ó ˜ÂÏ Ì‡ÚËÚÛθÌÓÏ ÎËÒÚ ӷ˘ÂÈ Ô‡ÔÍË Í‡ÒÒÓ‚˚ı ‰ÓÍÛÏÂÌÚÓ‚ ÔÓ ÙÓω·ÂÚÒfl ÔÓÏÂÚ͇.

É·‚‡ 4èÓÍÛÔ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ24. èÓÍÛÔ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‰ÓÎÊ̇ ÓÒÛ˘ÂÒÚ‚ÎflÚ¸-

Òfl ‚ ÔÓÏ¢ÂÌËË Í‡ÒÒÓ‚Ó„Ó ÛÁ· ËÎË ËÌÓÏ Ó·ÓÒÓ·ÎÂÌÌÓÏ ÔÓÏ¢Â-ÌËË, Ó·ÂÒÔ˜˂‡˛˘ÂÏ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ Ë ÌÂÓ·ıÓ‰ËÏ˚ÂÛÒÎÓ‚Ëfl ‡·ÓÚ˚ Ò ÌËÏË.

25. èÓÍÛÔÍÂ Û ÍÎËÂÌÚ‡ ÔÓ‰ÎÂʇÚ:ÏÂÌ˚ ÒÎËÚÍË Ï‡ÒÒÓÈ ÓÚ 1 ‰Ó 5000 „‡ÏÏÓ‚ ‚Íβ˜ËÚÂθÌÓ Ò

‡··Â‚ˇÚÛÓÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ Ò ÒÂÚËÙË͇ÚÓÏ Í‡˜ÂÒÚ‚‡Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl (ÔË Â„Ó Ì‡Î˘ËË), ‡ Ú‡ÍÊ ÓÒÒËÈÒÍÓ„ÓÔÓËÁ‚Ó‰ÒÚ‚‡ Ò ÒÂÚËÙË͇ÚÓÏ Í‡˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl(ÔË Â„Ó Ì‡Î˘ËË);

ÏÓÌÂÚ˚ ÒÚ‡Ó„Ó Ë ÒÓ‚ÂÏÂÌÌÓ„Ó ˜Â͇̇ ‡Á΢ÌÓÈ ÒÚÂÔÂÌËÒÓı‡ÌÌÓÒÚË, ‚˚ÒÚÛÔ‡˛˘Ë ‚ ͇˜ÂÒÚ‚Â Ô‰ÏÂÚÓ‚ ÍÓÎÎÂ͈ËÓÌË-Ó‚‡ÌËfl Ë ÚÂÁ‡‚‡ˆËË, ÍÓÏ ԇÏflÚÌ˚ı Ë ˛·ËÎÂÈÌ˚ı ÏÓÌÂÚ, fl‚-Îfl˛˘ËıÒfl Á‡ÍÓÌÌ˚Ï Ô·ÚÂÊÌ˚Ï Ò‰ÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸.

26. ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ, ÓÒÛ˘ÂÒÚ‚Îflfl ÔÓÍÛÔÍÛ Û ÍÎËÂÌÚ‡ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ò ‡··Â‚ˇÚÛÓÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ËÎË ÓÒ-ÒËÈÒÍÓ„Ó ÔÓËÁ‚Ó‰ÒÚ‚‡ Ë ÏÓÌÂÚ, ÔÓ‚Ó‰ËÚ Ëı ˝ÍÒÔÂÒÒ-ˉÂÌÚË-ÙË͇ˆË˛ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË燈ËÓ̇θÌÓ„Ó ·‡Ì͇.

ÇÒ ÓÔ‡ˆËË ÔÓ ‚Á‚¯˂‡Ì˲, ÓÔ‰ÂÎÂÌ˲ ͇˜ÂÒÚ‚‡ ËÓˆÂÌÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÓÒÛ˘ÂÒÚ‚Îfl˛ÚÒfl ‚ ÔËÒÛÚÒÚ‚ËËÍÎËÂÌÚ‡.

Ç ÔÓˆÂÒÒ Ôӂ‰ÂÌËfl ÚÂÒÚÓ‚˚ı ÏÂÚÓ‰Ó‚ ‡Ì‡ÎËÁ‡ Ë ‰Ó ÏÓ-ÏÂÌÚ‡ ‚˚‰‡˜Ë ‰ÂÌ„ ÍÎËÂÌÚÛ ÏÂÌ˚ ÒÎËÚÍË Ë ÏÓÌÂÚ˚ ÂÏÛ Ì‚ÓÁ‚‡˘‡˛ÚÒfl.

ÖÒÎË ÔÓ ÂÁÛÎ¸Ú‡Ú‡Ï Ôӂ‰ÂÌÌ˚ı ÚÂÒÚÓ‚˚ı ÏÂÚÓ‰Ó‚ ‡Ì‡ÎË-Á‡ ҉·ÌÓ ÓÚˈ‡ÚÂθÌÓ Á‡Íβ˜ÂÌË ̇ ÏÂÌ˚È ÒÎËÚÓÍ ËÎËÏÓÌÂÚÛ, ÚÓ ÓÌË Ì ÔÓÍÛÔ‡˛ÚÒfl, ‡ ‚ÓÁ‚‡˘‡˛ÚÒfl ÍÎËÂÌÚÛ.

ÖÒÎË ÔÓ ÂÁÛÎ¸Ú‡Ú‡Ï Ôӂ‰ÂÌÌ˚ı ÚÂÒÚÓ‚˚ı ÏÂÚÓ‰Ó‚ ‡Ì‡ÎË-Á‡ ҉·ÌÓ ÔÓÎÓÊËÚÂθÌÓ Á‡Íβ˜ÂÌËÂ, ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚÔÓËÁ‚Ó‰ËÚ ‡Ò˜ÂÚ ÒÚÓËÏÓÒÚË ÏÂÌÓ„Ó ÒÎËÚ͇ ËÎË ÏÓÌÂÚ˚.

27. éÔ·ڇ ÒÍÛÔÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÓÒÛ˘ÂÒÚ‚-ÎflÂÚÒfl ÒÚÛÍÚÛÌ˚ÏË ÔÓ‰‡Á‰ÂÎÂÌËflÏË Í‡Í ‚ ̇΢ÌÓÈ, Ú‡Í Ë ‚·ÂÁ̇΢ÌÓÈ ÙÓÏÂ.

èÓÍÛÔ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÔÓ ·ÂÁ̇΢ÌÓÏÛ ‡Ò˜ÂÚÛÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ̇ ÓÒÌÓ‚‡ÌËË Á‡fl‚ÍË ÍÎËÂÌÚ‡ ÔÓËÁ‚ÓθÌÓÈÙÓÏ˚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸.

28. ÑÎfl ‡Ò˜ÂÚ‡ Ò ÍÎËÂÌÚÓÏ ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ÔÓÎÛ˜‡ÂÚ‰ÂÌÂÊÌÛ˛ ̇΢ÌÓÒÚ¸ ÓÚ Á‡‚Â‰Û˛˘Â„Ó Ó·ÓÓÚÌÓÈ Í‡ÒÒÓÈ ÔÓ‰‡ÒÔËÒÍÛ ‚ ÍÌË„Â Û˜ÂÚ‡ 0402380124.

29. èÓÍÛÔ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Á‡ ̇΢Ì˚È ‡Ò˜ÂÚÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÒÚÛÍÚÛÌ˚ÏË ÔÓ‰‡Á‰ÂÎÂÌËflÏË Ò ËÒÔÓθÁÓ‚‡-ÌËÂÏ ÍÓÏÔ¸˛ÚÂÌ˚ı ÒËÒÚÂÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ-‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

ç‡ Í‡Ê‰˚È ÍÛÔÎÂÌÌ˚È ÏÂÌ˚È ÒÎËÚÓÍ ËÎË ÏÓÌÂÚÛ ÒÔˆˇ-ÎËÒÚ-˝ÍÒÔÂÚ ÓÙÓÏÎflÂÚ ‰‚‡ ˝ÍÁÂÏÔÎfl‡ ÓÚ˚‚ÌÓ„Ó Ú‡ÎÓ̇ ÔÓÙÓÏ Òӄ·ÒÌÓ ÔËÎÓÊÂÌ˲ 11 Í Ì‡ÒÚÓfl˘ËÏ è‡‚ËÎ‡Ï Ë Â„Ë-ÒÚËÛÂÚ Ëı ‚ ÂÂÒÚÂ. é·‡ ˝ÍÁÂÏÔÎfl‡ ÓÚ˚‚ÌÓ„Ó Ú‡ÎÓ̇ ÔÓ‰-ÔËÒ˚‚‡˛ÚÒfl ÒÔˆˇÎËÒÚÓÏ-˝ÍÒÔÂÚÓÏ Ë ÍÎËÂÌÚÓÏ Ë Ì‡ ÌËı ÒÔÂ-ˆË‡ÎËÒÚÓÏ-˝ÍÒÔÂÚÓÏ ÒÚ‡‚ËÚÒfl Ô˜‡Ú¸.

á‡ÚÂÏ ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ‚˚‰‡ÂÚ ÍÎËÂÌÚÛ Ô‚˚È ˝ÍÁÂÏÔ-Îfl ÓÚ˚‚ÌÓ„Ó Ú‡ÎÓ̇ Ë ÔÓËÁ‚Ó‰ËÚ Ò ÌËÏ ‡Ò˜ÂÚ.

30. èËÌflÚ‡fl ÏÓÌÂÚ‡ ËÎË ÏÂÌ˚È ÒÎËÚÓÍ ‚ÏÂÒÚÂ Ò ÒÂÚËÙË-͇ÚÓÏ Í‡˜ÂÒÚ‚‡ Á‡‚Ó‰‡-ËÁ„ÓÚÓ‚ËÚÂÎfl (ÔË Â„Ó Ì‡Î˘ËË) Ë ‚ÚÓ-˚Ï ˝ÍÁÂÏÔÎflÓÏ ÓÚ˚‚ÌÓ„Ó Ú‡ÎÓ̇ ÔÓÏ¢‡˛ÚÒfl ÒÔˆˇÎËÒ-ÚÓÏ-˝ÍÒÔÂÚÓÏ ‚ ÔÓÎË˝ÚËÎÂÌÓ‚˚È Ô‡ÍÂÚ.

ï‡ÌÂÌË ÍÛÔÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‰Ó ÏÓÏÂÌÚ‡ ËıÒ‰‡˜Ë Á‡‚Â‰Û˛˘ÂÏÛ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ‰ÓÎÊÌÓ ÓÒÛ˘ÂÒÚ‚-ÎflÚ¸Òfl ÒÔˆˇÎËÒÚÓÏ-˝ÍÒÔÂÚÓÏ ‚ ÒÂÈÙ (ÏÂÚ‡Î΢ÂÒÍÓÏ ¯Í‡-ÙÛ).

31. èÓ ÓÍÓ̘‡ÌËË ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl ÔÓËÁ‚Ó‰ËÚÒfl Ò‚Â͇ÓÔ‡ˆËÈ ÔÓ ÔÓÍÛÔÍ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Ë Ëı ÓÒÚ‡ÚÍÓ‚ Ò‰‡ÌÌ˚ÏË ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÌÓχÚË‚Ì˚ÏËÔ‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ Ò Û˜ÂÚÓÏ ÓÒÓ·ÂÌÌÓÒÚÂÈ,ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı ̇ÒÚÓfl˘ËÏË è‡‚Ë·ÏË.

Ç ÍÓ̈ ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ÔÓ Í‡Ê‰ÓÏÛÂÂÒÚÛ ÒÍÛÔÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÔÓ‰Ò˜ËÚ˚‚‡ÂÚ Ó·-˘Û˛ χÒÒÛ ‚ ÎË„‡ÚÛ (ÌÓÏË̇θ̇fl χÒÒ‡) Ë Ï‡ÒÒÛ ‚ ˜ËÒÚÓÚÂÍÛÔÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ, Ó·˘Û˛ ÒÚÓËÏÓÒÚ¸ ÒÎËÚÍÓ‚ ËÏÓÌÂÚ Ë ÒÓÒÚ‡‚ÎflÂÚ ‡Á‰ÂθÌ˚ ҂ӉÌ˚ ÂÂÒÚ˚ ̇ ÏÂÌ˚ÂÒÎËÚÍË Ë ÏÓÌÂÚ˚.

ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ÛÔ‡ÍÓ‚˚‚‡ÂÚ ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂÓÒÚ‡ÚÓÍ ‰ÂÌÂÊÌÓÈ Ì‡Î˘ÌÓÒÚË Ë Ô‰‡ÂÚ Â„Ó ‚ÏÂÒÚÂ Ò ÓÚ˜ÂÚÌÓÈÒÔ‡‚ÍÓÈ 0402830114 Á‡‚Â‰Û˛˘ÂÏÛ Ó·ÓÓÚÌÓÈ Í‡ÒÒÓÈ ÔÓ‰ ÓÒ-ÔËÒ¸ ‚ ÍÌË„Â Û˜ÂÚ‡ 0402380124. èËÂÏ Á‡‚Â‰Û˛˘ËÏ Ó·ÓÓÚÌÓÈ͇ÒÒÓÈ ‰ÂÌÂÊÌÓÈ Ì‡Î˘ÌÓÒÚË ÓÚ ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡ ÓÒÛ˘Â-ÒÚ‚ÎflÂÚÒfl ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂ.

ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ Ô‰‡ÂÚ ÍÛÔÎÂÌÌ˚ ÏÂÌ˚ ÒÎËÚÍË ËÏÓÌÂÚ˚ ‚ÏÂÒÚÂ Ò ÂÂÒÚ‡ÏË Ë Ò‚Ó‰Ì˚ÏË ÂÂÒÚ‡ÏË Á‡‚Â‰Û˛˘Â-ÏÛ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ÔÓ‰ ÓÒÔËÒ¸ ‚ ÍÌË„Â Û˜ÂÚ‡ 0402380124.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ò‚ÂflÂÚ ÍÓ΢ÂÒÚ‚Ó ÏÂ-Ì˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Ò ‰‡ÌÌ˚ÏË ÂÂÒÚÓ‚, Ò‚Ó‰Ì˚ı ÂÂÒÚÓ‚ ˇÒÔËÒ˚‚‡ÂÚÒfl ‚ ÌËı. ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ‚ ÔËÒÛÚÒÚ‚ËË Á‡‚Â-‰Û˛˘Â„Ó Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ‚Í·‰˚‚‡ÂÚ ‚ ϯÍË ‚ÚÓ˚ ˝Í-ÁÂÏÔÎfl˚ ÂÂÒÚÓ‚ Ë Ô‡ÍÂÚ˚ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ÔÓ͇ʉÓÏÛ ÂÂÒÚÛ. ÉÓÎÓ‚Ë̇ Í‡Ê‰Ó„Ó Ï¯͇ Ôӯ˂‡ÂÚÒfl ‚ÏÂ-ÒÚÂ Ò flÎ˚ÍÓÏ ËÁ Ú͇ÌË Ë ÔÎÓÚÌÓ Á‡‚flÁ˚‚‡ÂÚÒfl ¯Ô‡„‡ÚÓÏ ·ÂÁ ÛÁ-ÎÓ‚ Ë Ì‡‰˚‚Ó‚. äÓ̈˚ ¯Ô‡„‡Ú‡ Á‡‚flÁ˚‚‡˛ÚÒfl „ÎÛıËÏ ÛÁÎÓÏ ËÔÎÓÏ·ËÛ˛ÚÒfl ÒÔˆˇÎËÒÚÓÏ-˝ÍÒÔÂÚÓÏ. ç‡ flÎ˚͇ı Í Ï¯͇ÏÛ͇Á˚‚‡˛ÚÒfl: ̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl Ë ÍÓ‰ÔÓ ÏÂÊ·‡ÌÍÓ‚ÒÍËÏ ‡Ò˜ÂÚ‡Ï, ‰‡Ú‡ ÛÔ‡ÍÓ‚ÍË, ̇ËÏÂÌÓ‚‡ÌË ˂ˉ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη, ÌÓÏ ·‡Î‡ÌÒÓ‚Ó„Ó Ò˜ÂÚ‡, Ó·˘‡fl ÎË-„‡ÚÛ̇fl Ë ˜ËÒÚ‡fl χÒÒ‡, ÍÓ‰ (ËÏÂÌÌÓÈ ¯Ú‡ÏÔ Ë ÔÓ‰ÔËÒ¸) ÒÔˆË-‡ÎËÒÚ‡-˝ÍÒÔÂÚ‡. á‡ÚÂÏ ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ Ô‰‡ÂÚ Ï¯ÍË ÒÍÛÔÎÂÌÌ˚ÏË ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ‚ÏÂÒÚ ÒÓ Ò‚Ó‰Ì˚ÏËÂÂÒÚ‡ÏË Ë Ô‚˚ÏË ˝ÍÁÂÏÔÎfl‡ÏË ÂÂÒÚÓ‚ Á‡‚Â‰Û˛˘ÂÏÛÍ·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ.

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ô‰‡ÂÚ Ò‚Ó‰Ì˚ ÂÂÒÚ˚ÍÛÔÎÂÌÌ˚ı ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÏÛ ËÒÔÓÎÌËÚÂβ‰Îfl ÒÓÒÚ‡‚ÎÂÌËfl ‡ÒıÓ‰ÌÓ„Ó Í‡ÒÒÓ‚Ó„Ó Ó‰Â‡ ̇ ‡ÒıÓ‰Ó‚‡ÌˉÂÌÂÊÌ˚ı Ò‰ÒÚ‚ Ë ÔËıÓ‰ÌÓ„Ó Í‡ÒÒÓ‚Ó„Ó Ó‰Â‡ ̇ ÔËıÓ‰ ÒÚÓ-ËÏÓÒÚË ÍÛÔÎÂÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ, ‡ Ú‡ÍÊ ÓÚ‡ÊÂÌËflÔӂ‰ÂÌÌ˚ı Á‡ ‰Â̸ ÓÔ‡ˆËÈ ÔÓ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÏ Ò˜ÂÚ‡Ï ·Ûı-„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡, ÔÓÒΠ˜Â„Ó ‰ÓÍÛÏÂÌÚ˚ ‚ÓÁ‚‡˘‡˛ÚÒfl ‚ ͇ÒÒÛ.

32. èËÂÏ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚ Í·‰Ó‚Û˛ ÒÚÛÍÚÛÌÓ„ÓÔÓ‰‡Á‰ÂÎÂÌËfl ÔÓËÁ‚Ó‰ËÚÒfl Îˈ‡ÏË, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ÏË Á‡ ÒÓ-ı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ, ÔÓ Ì‡‰ÔËÒflÏ Ì‡ flÎ˚͇ı, ÔËÍÂÔÎÂÌÌ˚ı Íϯ͇Ï, Ò ÔÓ‚ÂÍÓÈ ˆÂÎÓÒÚÌÓÒÚË Ï¯ÍÓ‚, Ô‡‚ËθÌÓÒÚË ÛÔ‡-ÍÓ‚ÍË Ë ˜ÂÚÍÓÒÚË ÓÚÚËÒÍÓ‚ ÔÎÓÏ·ËÓ‚.

ëÍÛÔÎÂÌÌ˚ ÏÂÌ˚ ÒÎËÚÍË Ë ÏÓÌÂÚ˚ Û˜ËÚ˚‚‡˛ÚÒfl ‚ ÍÌË„ÂÛ˜ÂÚ‡ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ÓÚ‰ÂθÌÓÈ ÒÚÓÍÓÈ ÔÓ Í‡Ê‰ÓÏÛ·‡Î‡ÌÒÓ‚ÓÏÛ Ò˜ÂÚÛ, ÍÓ΢ÂÒÚ‚Û ¯ÚÛÍ, Ó·˘ÂÈ Ï‡ÒÒ ‚ ÎË„‡ÚÛÂ,Ó·˘ÂÈ Ï‡ÒÒ ‚ ˜ËÒÚÓÚÂ Ë Ó·˘ÂÈ ·‡Î‡ÌÒÓ‚ÓÈ ÒÚÓËÏÓÒÚË. êÂÂÒÚ˚,Ò‚Ó‰Ì˚ ÂÂÒÚ˚, ‡ÒıÓ‰Ì˚ ͇ÒÒÓ‚˚ Ӊ‡ Ë ÔËıÓ‰Ì˚È͇ÒÒÓ‚˚È Ó‰Â ÔÓ‰¯Ë‚‡˛ÚÒfl ‚ ͇ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ ‰Ìfl.

ä‡ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ ‰Ìfl ÔÓ ÓÔ‡ˆËflÏ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂ-ڇηÏË ·Ó¯˛Û˛ÚÒfl ‚ ÓÚ‰ÂθÌ˚ ԇÔÍË ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒ-Ú‡ÌÓ‚ÎÂÌÌ˚ÏË ÒÓ͇ÏË Ëı ı‡ÌÂÌËfl, Ó ˜ÂÏ Ì‡ ÚËÚÛθÌÓÏ ÎËÒÚÂÓ·˘ÂÈ Ô‡ÔÍË Í‡ÒÒÓ‚˚ı ‰ÓÍÛÏÂÌÚÓ‚ ‰Â·ÂÚÒfl ÔÓÏÂÚ͇.

É·‚‡ 5éÚÔ‡‚͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚ ñÂÌڇθÌÓ ı‡ÌËÎˢÂ33. äÛÔÎÂÌÌ˚ ÒÚÛÍÚÛÌ˚ÏË ÔÓ‰‡Á‰ÂÎÂÌËflÏË ÏÂÌ˚Â

ÒÎËÚÍË Ë ÏÓÌÂÚ˚ ÔÓ‰ÎÂÊ‡Ú Ó·flÁ‡ÚÂθÌÓÈ Ò‰‡˜Â ‚ ñÂÌڇθÌÓÂı‡ÌËÎˢ ÔÓ Ï ̇ÍÓÔÎÂÌËfl, ÌÓ Ì ÂÊ 1 ‡Á‡ ‚ ÏÂÒflˆ.

ëÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl ËÌÙÓÏËÛ˛Ú ñÂÌڇθÌÓÂı‡ÌËÎË˘Â Ó Ô‰ÔÓ·„‡ÂÏÓÏ ‚˚‚ÓÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚.чڇ Ò‰‡˜Ë ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚ ñÂÌڇθÌÓ ı‡ÌËÎˢÂÔÓ‰ÎÂÊËÚ Òӄ·ÒÓ‚‡Ì˲ Ò ‰ËÂÍÚÓÓÏ ñÂÌڇθÌÓ„Ó ı‡ÌËÎˢ‡ËÎË ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚Ï ËÏ ÎˈÓÏ.

éÚÔ‡‚͇ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ‚ ñÂÌڇθÌÓ ı‡ÌËÎˢÂÔÓËÁ‚Ó‰ËÚÒfl ̇ ÓÒÌÓ‚‡ÌËË ‡ÒÔÓflÊÂÌËfl ÛÍÓ‚Ó‰ËÚÂÎfl ÒÚÛÍ-ÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl ËÎË ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó ËÏ Îˈ‡.

44 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ч„ÓˆÂÌÌ˚ ÏÂÚ‡ÎÎ˚ ÓÚÔ‡‚Îfl˛ÚÒfl ÛÔ‡ÍÓ‚‡ÌÌ˚ÏË Á‡‚‰Û-˛˘ËÏ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ ‡Á‰ÂθÌÓ ÔÓ Ì‡ËÏÂÌÓ‚‡Ì˲ Ë ‚ˉۉ‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ‚ ·ÂÁÂÌÚÓ‚˚ Ï¯ÍË ·ÂÁ ̇ÛÊÌ˚ı¯‚Ó‚, ËÒÍβ˜‡˛˘Ëı ‚ÓÁÏÓÊÌÓÒÚ¸ ‰ÓÒÚÛÔ‡ Í ÒÓ‰ÂÊËÏÓÏÛ ·ÂÁÔÓ‚ÂʉÂÌËfl ÛÔ‡ÍÓ‚ÍË. ç‡ ÓÚÔ‡‚ÎflÂÏ˚ Ï¯ÍË ÒÓÒÚ‡‚Îfl˛ÚÒflÒÓÔÓ‚Ó‰ËÚÂθÌ˚ ÓÔËÒË 0402530146 ‚ ÚÂı ˝ÍÁÂÏÔÎfl‡ı Á‡ÔÓ‰ÔËÒflÏË Îˈ, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ı Á‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ. èÂ-‚˚È Ë ‚ÚÓÓÈ ˝ÍÁÂÏÔÎfl˚ ÓÔËÒË, ‡ Ú‡ÍÊ ӷ‡Áˆ ÓÚÚËÒ͇ ÔÎÓÏ-·Ë‡ ‚Í·‰˚‚‡˛ÚÒfl ‚ ÓÔ˜‡Ú‡ÌÌ˚È Á‡‚Â‰Û˛˘ËÏ Í·‰Ó‚ÓÈ ˆÂÌ-ÌÓÒÚÂÈ ÍÓÌ‚ÂÚ, ÍÓÚÓ˚È ‚Û˜‡ÂÚÒfl ÒÚ‡¯ÂÏÛ ·Ë„‡‰˚ ËÌ͇ÒÒ‡-ÚÓÓ‚, ÚÂÚËÈ ˝ÍÁÂÏÔÎfl ÓÒÚ‡ÂÚÒfl ‚ ÒÚÛÍÚÛÌÓÏ ÔÓ‰‡Á‰ÂÎÂ-ÌËË.

ÉÓÎÓ‚Ë̇ ϯ͇ Ôӯ˂‡ÂÚÒfl ‚ÏÂÒÚÂ Ò flÎ˚ÍÓÏ, ÚÛ„Ó ÒÚfl-„Ë‚‡ÂÚÒfl Ë ÔÎÓÚÌÓ Á‡‚flÁ˚‚‡ÂÚÒfl ¯Ô‡„‡ÚÓÏ ·ÂÁ ÛÁÎÓ‚ Ë Ì‡‰˚-‚Ó‚. ç‡ flÎ˚Í Û͇Á˚‚‡˛ÚÒfl: ̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰-‡Á‰ÂÎÂÌËfl Ë ÍÓ‰ ÔÓ ÏÂÊ·‡ÌÍÓ‚ÒÍËÏ ‡Ò˜ÂÚ‡Ï, ÌÓÏ ·‡Î‡ÌÒÓ-‚Ó„Ó Ò˜ÂÚ‡, ̇ËÏÂÌÓ‚‡ÌËÂ Ë ‚ˉ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη, ÌÓÏË̇ÎÏÂÌ˚ı ÒÎËÚÍÓ‚, ÍÓ΢ÂÒÚ‚Ó ¯ÚÛÍ, ·‡Î‡ÌÒÓ‚‡fl ÒÚÓËÏÓÒÚ¸, ‰‡Ú‡ÛÔ‡ÍÓ‚ÍË, ÍÓ‰ (ËÏÂÌÌÓÈ ¯Ú‡ÏÔ Ë ÔÓ‰ÔËÒ¸) Á‡‚Â‰Û˛˘Â„Ó Í·‰Ó-‚ÓÈ ˆÂÌÌÓÒÚÂÈ. äÓ̈˚ ¯Ô‡„‡Ú‡ Á‡‚flÁ˚‚‡˛ÚÒfl „ÎÛıËÏ ÛÁÎÓÏ ËÔÎÓÏ·ËÛ˛ÚÒfl Á‡‚Â‰Û˛˘ËÏ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ.

èËÂÏ Ï¯ÍÓ‚ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ËÌ͇ÒÒ‡ÚÓ˚ÔÓËÁ‚Ó‰flÚ ÔÓ Ì‡‰ÔËÒflÏ Ì‡ flÎ˚͇ı, ÔËÍÂÔÎÂÌÌ˚ı Í Ï¯͇Ï,Ò ÔÓ‚ÂÍÓÈ ˆÂÎÓÒÚÌÓÒÚË Ï¯ÍÓ‚, ̇΢Ëfl ˜ÂÚÍËı ÓÚÚËÒÍÓ‚ÔÎÓÏ·ËÓ‚. äÓ΢ÂÒÚ‚Ó Ï¯ÍÓ‚, ·‡Î‡ÌÒÓ‚Û˛ ÒÚÓËÏÓÒÚ¸ Ë ÓÚÚË-ÒÍË ÔÎÓÏ·ËÓ‚ ËÌ͇ÒÒ‡ÚÓ˚ Ò‚Âfl˛Ú Ò ‰‡ÌÌ˚ÏË ÒÓÔÓ‚Ó‰ËÚÂθ-Ì˚ı ÓÔËÒÂÈ.

ᇠÔËÌflÚ˚ Ï¯ÍË Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË (ˆÂÌÌÓÒÚË)ËÌ͇ÒÒ‡ÚÓ˚ ‡ÒÔËÒ˚‚‡˛ÚÒfl ‚ ‡ÒıÓ‰Ì˚ı ͇ÒÒÓ‚˚ı Ӊ‡ı.

34. èËÂÏ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚ ñÂÌڇθÌÓÏ ı‡ÌËÎË-˘Â ÓÚ ËÌ͇ÒÒ‡ÚÓÓ‚ ÔÓËÁ‚Ó‰ËÚÒfl Îˈ‡ÏË, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ÏË Á‡ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ, Ò ÔÓ‚ÂÍÓÈ ÍÓ΢ÂÒÚ‚‡ ϯÍÓ‚, Ô‡-‚ËθÌÓÒÚË Ë ˆÂÎÓÒÚÌÓÒÚË ÛÔ‡ÍÓ‚ÍË, ˜ÂÚÍÓÒÚË ÓÚÚËÒÍÓ‚ ÔÎÓÏ·Ë-Ó‚ Ë ÒÓÓÚ‚ÂÚÒÚ‚Ëfl Ëı ÌÓÏÂÓ‚ ÌÓχÏ, Û͇Á‡ÌÌ˚Ï ‚ ÓÔËÒË, ̇-ËÏÂÌÓ‚‡ÌËfl Ë ‚ˉ‡ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη, ÌÓÏË̇· ÏÂÌ˚ıÒÎËÚÍÓ‚, ÍÓ΢ÂÒÚ‚‡ ¯ÚÛÍ Ë Ó·˘ÂÈ ·‡Î‡ÌÒÓ‚ÓÈ ÒÚÓËÏÓÒÚË, Ó·Ó-Á̇˜ÂÌÌ˚Ï Ì‡ flÎ˚͇ı Í ÏÂ¯Í‡Ï Ë Û͇Á‡ÌÌ˚Ï ‚ ÒÓÔÓ‚Ó‰ËÚÂθ-ÌÓÈ ÓÔËÒË. å¯ÍË Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ‰ÓÎÊÌ˚ ·˚Ú¸‚ÒÍ˚Ú˚ ‚ ÚÓÚ Ê ‰Â̸ Ë ÔËÌflÚ˚ Îˈ‡ÏË, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ÏË Á‡ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ.

Ç ÒÎÛ˜‡Â ÓÚÒÛÚÒÚ‚Ëfl ‚ÓÁÏÓÊÌÓÒÚË ÔËÂχ ‰‡„ÓˆÂÌÌ˚ı ÏÂ-Ú‡ÎÎÓ‚ ÒÓ ‚ÒÍ˚ÚËÂÏ Ï¯ÍÓ‚ ‚ ÚÓÚ Ê ‰Â̸ ‰‡„ÓˆÂÌÌ˚ ÏÂÚ‡Î-Î˚ ‰ÓÎÊÌ˚ ·˚Ú¸ ÓÒÚ‡‚ÎÂÌ˚ ‚ ÓÔÎÓÏ·ËÓ‚‡ÌÌ˚ı ϯ͇ı ̇ ı‡-ÌÂÌË ‚ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ. èË ˝ÚÓÏ Í·‰Ó‚‡fl ˆÂÌÌÓÒÚÂÈ (ÏÂ-Ú‡Î΢ÂÒÍËÈ ¯Í‡Ù ‚ Í·‰Ó‚ÓÈ) ‰ÓÔÓÎÌËÚÂθÌÓ ÓÔ˜‡Ú˚‚‡ÂÚÒflÔ˜‡Ú¸˛ ÒÚ‡¯Â„Ó ·Ë„‡‰˚ ËÌ͇ÒÒ‡ÚÓÓ‚ Ë Ò‰‡ÂÚÒfl ÔÓ‰ Óı‡ÌÛ ‚ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂ.

èËÂÏ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ÔÓËÁ‚Ó‰ËÚÒfl Îˈ‡ÏË, ÓÚ‚ÂÚ-ÒÚ‚ÂÌÌ˚ÏË Á‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ, ‚ ÔËÒÛÚÒÚ‚ËË ‚ÒÂÈ ·Ë„‡-‰˚ ËÌ͇ÒÒ‡ÚÓÓ‚ Ë ÔÓÒÚÓflÌÌÓ ‰ÂÈÒÚ‚Û˛˘ÂÈ ÍÓÏËÒÒËË, ÒÓÁ‰‡ÌÌÓÈÔË͇ÁÓÏ ‰ËÂÍÚÓ‡ ñÂÌڇθÌÓ„Ó ı‡ÌËÎˢ‡. èË ˝ÚÓÏ ÔÓËÁ-‚Ó‰flÚÒfl Ó·flÁ‡ÚÂθÌÓ ‚Á‚¯˂‡ÌËÂ, ÔÂÂÒ˜ÂÚ, ˝ÍÒÔÂÒÒ-ˉÂÌ-ÚËÙË͇ˆËfl ͇ʉÓÈ Â‰ËÌˈ˚ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη ÒÓ Ò‚ÂÍÓÈ Ò‰‡ÌÌ˚ÏË, Û͇Á‡ÌÌ˚ÏË ‚ ÒÓÔÓ‚Ó‰ËÚÂθÌ˚ı ‰ÓÍÛÏÂÌÚ‡ı.

èË ‚˚fl‚ÎÂÌËË ÌÂÒÓÓÚ‚ÂÚÒÚ‚Ëfl ͇˜ÂÒÚ‚‡ ˜‡ÒÚË ÒÎËÚÍÓ‚ ËÏÓÌÂÚ Ú·ӂ‡ÌËflÏ Òڇ̉‡ÚÓ‚ ËÎË Í‡Ú‡ÎÓ„Ó‚, ‡ Ú‡ÍÊ ÔË ‡Ò-ıÓʉÂÌËflı Ù‡ÍÚ˘ÂÒÍÓ„Ó ÍÓ΢ÂÒÚ‚‡, ÎË„‡ÚÛÌÓÈ, ˜ËÒÚÓÈ Ï‡Ò-Ò˚, ÔÓ·˚ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ Ò ‰‡ÌÌ˚ÏË, Û͇Á‡ÌÌ˚ÏË ‚ ÒÓ-ÔÓ‚Ó‰ËÚÂθÌ˚ı ‰ÓÍÛÏÂÌÚ‡ı, ÒÓÒÚ‡‚ÎflÂÚÒfl ÂÍ·χˆËÓÌÌ˚È ‡ÍÚÒ‚Ó·Ó‰ÌÓÈ ÙÓÏ˚ ‚ ÚÂı ˝ÍÁÂÏÔÎfl‡ı Á‡ ÔÓ‰ÔËÒflÏË Îˈ, ÓÚ‚ÂÚ-ÒÚ‚ÂÌÌ˚ı Á‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ, ËÌ͇ÒÒ‡ÚÓÓ‚ Ë ‚ÒÂı ˜ÎÂÌÓ‚ÍÓÏËÒÒËË.

é‰ËÌ ˝ÍÁÂÏÔÎfl ‡ÍÚ‡ Ò Ô‚˚Ï ˝ÍÁÂÏÔÎflÓÏ ÓÔËÒË ÓÒÚ‡ÂÚÒfl‚ ͇ÒÒÓ‚˚ı ‰ÓÍÛÏÂÌÚ‡ı ‰Ìfl, ‚ÚÓÓÈ — ÒÓ ‚ÚÓ˚Ï ˝ÍÁÂÏÔÎflÓÏÓÔËÒË Ô‰‡ÂÚÒfl ÒÚ‡¯ÂÏÛ ·Ë„‡‰˚ ËÌ͇ÒÒ‡ÚÓÓ‚ ‰Îfl Ô‰‡-˜Ë ‚ ÒÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl, ÚÂÚËÈ — Ò ÚÂÚ¸ËÏ ˝ÍÁÂÏÔ-ÎflÓÏ ÓÔËÒË Ô‰‡ÂÚÒfl ÒÚ‡¯ÂÏÛ ·Ë„‡‰˚ ËÌ͇ÒÒ‡ÚÓÓ‚ ‰ÎflÓÚ˜ÂÚ‡ Ô‰ ̇˜‡Î¸ÌËÍÓÏ Óډ· ËÌ͇ÒÒ‡ˆËË. äÓÔËË ‡ÍÚ‡ ËÓÔËÒË Ô‰‡˛ÚÒfl ‚ ÑÂÔ‡Ú‡ÏÂÌÚ ÏÂʉÛ̇ӉÌ˚ı ÓÔ‡ˆËÈ.

çÂÔËÌflÚ˚ ˆÂÌÌÓÒÚË ÛÔ‡ÍÓ‚˚‚‡˛ÚÒfl Á‡‚Â‰Û˛˘ËÏ Í·‰Ó-‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ë Ô‰‡˛ÚÒfl ÒÚ‡¯ÂÏÛ ·Ë„‡‰˚ ËÌ͇ÒÒ‡ÚÓÓ‚‰Îfl ‚ÓÁ‚‡Ú‡ ‚ ÒÚÛÍÚÛÌ˚ ÔÓ‰‡Á‰ÂÎÂÌËfl.

é ‚˚fl‚ÎÂÌÌ˚ı ÌÂÒÓÓÚ‚ÂÚÒÚ‚Ëflı ÒÓÓ·˘‡ÂÚÒfl ‰ËÂÍÚÓÛ ñÂÌ-ڇθÌÓ„Ó ı‡ÌËÎˢ‡ Ë ‚ ÑÂÔ‡Ú‡ÏÂÌÚ ÏÂʉÛ̇ӉÌ˚ı ÓÔ‡-ˆËÈ.

èÓ ÓÍÓ̘‡ÌËË ÔËÂχ-Ô‰‡˜Ë ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ÒÓ-ÒÚ‡‚ÎflÂÚÒfl ‡ÍÚ ÔËÂχ Ò‚Ó·Ó‰ÌÓÈ ÙÓÏ˚ ̇ Ù‡ÍÚ˘ÂÒÍË ÔËÌfl-Ú˚ ‰‡„ÓˆÂÌÌ˚ ÏÂÚ‡ÎÎ˚ Á‡ ÔÓ‰ÔËÒflÏË ‚ÒÂı ˜ÎÂÌÓ‚ ÍÓÏËÒÒËË ËÎˈ, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ı Á‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ.

35. ñÂÌڇθÌÓ ı‡ÌËÎˢ ÔÓËÁ‚Ó‰ËÚ ÒÓÚËÓ‚ÍÛ Ë ÛÔ‡-ÍÓ‚ÍÛ (·ÏËÌËÓ‚‡ÌËÂ) ÔÓÎÛ˜ÂÌÌ˚ı ÓÚ ÒÚÛÍÚÛÌ˚ı ÔÓ‰‡Á‰Â-ÎÂÌËÈ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Ò Û˜ÂÚÓÏ Ëı ‰‡Î¸ÌÂÈ¯Â„Ó ËÒÔÓθ-ÁÓ‚‡ÌËfl.

ëÓÚËӂ͇ ÏÓÌÂÚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓ ÒÎÂ‰Û˛˘ËÏ ÍËÚÂË-flÏ:

̇ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη;‰ÓÒÚÓËÌÒÚ‚Ó ÏÓÌÂÚ;ÔÓ·‡ ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη.ëÓÚËӂ͇ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓ ÒÎÂ‰Û˛˘ËÏ

ÍËÚÂËflÏ:̇ËÏÂÌÓ‚‡ÌË ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη;ÌÓÏË̇ΠÒÎËÚ͇;ÏÂÌ˚ ÒÎËÚÍË Ò ‡··Â‚ˇÚÛÓÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ËÎË

ÓÒÒËÈÒÍÓ„Ó ÔÓËÁ‚Ó‰ÒÚ‚‡.åÂÌ˚ ÒÎËÚÍË, Ô‰̇Á̇˜ÂÌÌ˚ ‰Îfl ÔÓÒÎÂ‰Û˛˘ÂÈ Â‡ÎË-

Á‡ˆËË Ì‡ÒÂÎÂÌ˲, ‰ÓÎÊÌ˚ ·˚Ú¸ ÛÔ‡ÍÓ‚‡Ì˚. ìÔ‡Íӂ͇ (·ÏËÌËÓ‚‡ÌËÂ) ÔÓËÁ‚Ó‰ËÚÒfl Ô‰ ÓÚÔÛÒÍÓÏ

ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÒÚÛÍÚÛÌ˚Ï ÔÓ‰‡Á‰ÂÎÂÌËflÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒÔÛÌÍÚÓÏ 13 ̇ÒÚÓfl˘Ëı 臂ËÎ.

Ç ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ ‡ÒÔÓflÊÂÌËÂÏ è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ËÎË ÛÔÓÎÌÓÏÓ˜ÂÌÌÓ„Ó ËÏ Îˈ‡ ÒÓÍË ÏÂ-Ì˚ ÒÎËÚÍË Ò ‡··Â‚ˇÚÛÓÈ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ Ë/ËÎË ÓÒÒËÈ-ÒÍÓ„Ó ÔÓËÁ‚Ó‰ÒÚ‚‡, ‡ Ú‡ÍÊ ÏÓÌÂÚ˚ ÏÓ„ÛÚ ·˚Ú¸ ̇ԇ‚ÎÂÌ˚ ̇ÔÂÂÔ·‚ÍÛ.

É·‚‡ 6ê‚ËÁËfl ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ36. ê‚ËÁËfl ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ, ÔÓ‚Â͇ ÔÓfl‰Í‡ Ëı

ı‡ÌÂÌËfl ÔÓ‚Ó‰flÚÒfl ‚ ÔÓfl‰ÍÂ Ë ÒÓÍË, ÓÔ‰ÂÎflÂÏ˚ ÌÓχ-ÚË‚Ì˚ÏË Ô‡‚Ó‚˚ÏË ‡ÍÚ‡ÏË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ ÔÓ Ó„‡ÌËÁ‡-ˆËË Í‡ÒÒÓ‚ÓÈ ‡·ÓÚ˚, Ë ‚ Ó·˙Âχı, ÓÔ‰ÂÎflÂÏ˚ı ‡ÒÔÓflÊÂÌË-ÂÏ ÛÍÓ‚Ó‰ËÚÂÎfl ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl 燈ËÓ̇θÌÓ„Ó·‡Ì͇ ËÎË ‚˚¯ÂÒÚÓfl˘Â„Ó ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl 燈ËÓ-̇θÌÓ„Ó ·‡Ì͇, Ò Û˜ÂÚÓÏ ÒÎÂ‰Û˛˘Ëı ÓÒÓ·ÂÌÌÓÒÚÂÈ.

èË Â‚ËÁËË ÔÓ ÒÓÒÚÓflÌ˲ ̇ 1 flÌ‚‡fl ÌÓ‚Ó„Ó „Ó‰‡ Ë ‚ ‰Û-„Ëı ÒÎÛ˜‡flı ÔÓ‚Â͇ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓ Ì‡‰ÔËÒflÏ Ì‡ flÎ˚͇ı,ÔËÍÂÔÎÂÌÌ˚ı Í ÏÂ¯Í‡Ï (fl˘Ë͇Ï) ÒÓ ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË, ÒÔÓ‚ÂÍÓÈ ˆÂÎÓÒÚÌÓÒÚË Ë Ô‡‚ËθÌÓÒÚË ÛÔ‡ÍÓ‚ÍË Ë ˜ÂÚÍÓÒÚË ÓÚ-ÚËÒÍÓ‚ ÔÎÓÏ·ËÓ‚. èÓÒΠ˝ÚÓ„Ó ‚ҠϯÍË (ÍÓÓ·ÍË, fl˘ËÍË)‚ÒÍ˚‚‡˛ÚÒfl Ë ÔÓËÁ‚Ó‰ËÚÒfl ÒÔÎÓ¯ÌÓÈ ÔÓ¯ÚÛ˜Ì˚È ÔÂÂÒ˜ÂÚ‚ÒÂı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Ë ÒÓÔÓÒÚ‡‚ÎÂÌË ӷ˘Â„Ó Ù‡ÍÚ˘ÂÒÍÓ„Ó Ì‡-΢Ëfl ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÔÓ Ó·˘ÂÈ Ï‡ÒÒ ‚ ÎË„‡ÚÛÂ, χÒÒ ‚ ˜ËÒ-ÚÓÚÂ Ë ·‡Î‡ÌÒÓ‚ÓÈ ÒÚÓËÏÓÒÚË ‚ ‡ÁÂÁ ҘÂÚÓ‚ Ò ‰‡ÌÌ˚ÏË ÍÌË„ËÛ˜ÂÚ‡ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ Ë ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡.

ÑÓÔÛÒ͇ÂÚÒfl Ôӂ‰ÂÌË ‚˚·ÓÓ˜ÌÓÈ ÍÓÌÚÓθÌÓÈ ÔÓ‚ÂÍË͇˜ÂÒÚ‚‡ Ë Ï‡ÒÒ˚ ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ. èÓÒΠÔÓ‚ÂÍË ÒÎËÚÍË Ë ÏÓ-ÌÂÚ˚ ÛÔ‡ÍÓ‚˚‚‡˛ÚÒfl, ÔÎÓÏ·ËÛ˛ÚÒfl Ò ÓÙÓÏÎÂÌËÂÏ ÌÓ‚˚ı fl-Î˚ÍÓ‚ ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂ.

èË ‚ÂÏÂÌÌÓÈ ÒÏÂÌ Îˈ, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ı Á‡ ÒÓı‡ÌÌÓÒÚ¸ˆÂÌÌÓÒÚÂÈ, ‡ Ú‡ÍÊ ÔË ÂÊÂÍ‚‡Ú‡Î¸Ì˚ı ‚ËÁËflı ÔÓ‚Â͇ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÚÓθÍÓ ÔÓ Ì‡‰ÔËÒflÏ Ì‡flÎ˚͇ı, ÔËÍÂÔÎÂÌÌ˚ı Í ÏÂ¯Í‡Ï (fl˘Ë͇Ï) Ò ÏÂÌ˚ÏË ÒÎËÚ͇-ÏË Ë ÏÓÌÂÚ‡ÏË, Ò ÔÓ‚ÂÍÓÈ ˆÂÎÓÒÚÌÓÒÚË Ë Ô‡‚ËθÌÓÒÚË ÛÔ‡-ÍÓ‚ÍË Ë ˜ÂÚÍÓÒÚË ÓÚÚËÒÍÓ‚ ÔÎÓÏ·ËÓ‚, ‡ Ú‡ÍÊÂ Ò ‚˚·ÓÓ˜ÌÓÈÍÓÌÚÓθÌÓÈ ÔÓ‚ÂÍÓÈ Ï‡ÒÒ˚ ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ.

åÂÌ˚ ÒÎËÚÍË ‚ ·ÏËÌËÓ‚‡ÌÌÓÈ ÛÔ‡ÍÓ‚Í Ì ÔÓ‰ÎÂʇڂÒÍ˚Ú˲, ÍÓÌÚÓθÌÓÈ ÔÓ‚ÂÍ ͇˜ÂÒÚ‚‡ Ë Ï‡ÒÒ˚.

ê‡ÁÌˈ‡ ÏÂÊ‰Û Á‡ÙËÍÒËÓ‚‡ÌÌÓÈ ‚ Û˜ÂÚÌÓÈ ‰ÓÍÛÏÂÌÚ‡ˆËË ËÙ‡ÍÚ˘ÂÒÍÓÈ Ï‡ÒÒÓÈ fl‚ÎflÂÚÒfl ‚ÂÒÓ‚˚Ï ‡ÒıÓʉÂÌËÂÏ. Ç˚fl‚-ÎÂÌÌ˚ ÔË ‚Á‚¯˂‡ÌËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ ‚ÂÒÓ‚˚ ‡Ò-ıÓʉÂÌËfl, ̇ıÓ‰fl˘ËÂÒfl ‚ ԉ·ı ‰ÓÔÛÒÚËÏ˚ı ÌÓÏ, ‚ ‰ÓÍÛ-ÏÂÌÚ‡ı ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡ Ì ÙËÍÒËÛ˛ÚÒfl.

êÂÁÛθڇÚ˚ ‚ËÁËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Óڇʇ˛ÚÒfl ‚‡ÍÚ ‚ËÁËË ˆÂÌÌÓÒÚÂÈ, ‚ ÍÓÚÓÓÏ ‰ÓÔÓÎÌËÚÂθÌÓ ‰Â·ÂÚÒfl ÒÓ-ÓÚ‚ÂÚÒÚ‚Û˛˘‡fl Á‡ÔËÒ¸ Ó ÍÓÌÚÓθÌÓÈ ÔÓ‚ÂÍ ‰‡„ÓˆÂÌÌ˚ıÏÂÚ‡ÎÎÓ‚.

Ç ÒÎÛ˜‡Â Û‚ÓθÌÂÌËfl Ó‰ÌÓ„Ó ËÁ ‡·ÓÚÌËÍÓ‚, ÔËÌËχ‚¯Ëı ËÛÔ‡ÍÓ‚˚‚‡‚¯Ëı ÒÎËÚÍË Ë ÏÓÌÂÚ˚, ÔË͇ÁÓÏ ÛÍÓ‚Ó‰ËÚÂÎflÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ËÎË ‚˚¯Â-

45Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

ÒÚÓfl˘Â„Ó ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ÒÓ-Á‰‡ÂÚÒfl ÍÓÏËÒÒËfl, ÍÓÚÓ‡fl ÔÓ‚Ó‰ËÚ ÍÓÌÚÓθÌÛ˛ ÔÓ‚ÂÍÛ‚ÒÂı ÒÎËÚÍÓ‚ Ë ÏÓÌÂÚ Ë Ô‡‚ËθÌÓÒÚË ÓÙÓÏÎÂÌËfl ‚ÒÂı ‰ÓÍÛ-ÏÂÌÚÓ‚ ‚ ÔËÒÛÚÒÚ‚ËË ˝ÚÓ„Ó ‡·ÓÚÌË͇.

37. èÓ ‚ÒÂÏ Ù‡ÍÚ‡Ï Ì‰ÓÒÚ‡˜, ÔÓÚ¸ Ë ËÁÎ˯ÍÓ‚ ÍÓÏËÒÒËÂȉÓÎÊÌ˚ ·˚Ú¸ ÔÓÎÛ˜ÂÌ˚ ÓÚ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ëı ‡·ÓÚÌËÍÓ‚ ÔËÒ¸-ÏÂÌÌ˚ ӷ˙flÒÌÂÌËfl.

ç‡ ÓÒÌÓ‚‡ÌËË Ô‰ÒÚ‡‚ÎÂÌÌ˚ı Ó·˙flÒÌÂÌËÈ, χÚ¡ÎÓ‚ Â-‚ËÁËË Ë Û˜ÂÚÌ˚ı ‰‡ÌÌ˚ı ÍÓÏËÒÒËfl ÛÒڇ̇‚ÎË‚‡ÂÚ ı‡‡ÍÚ ËÔ˘ËÌ˚ ̉ÓÒÚ‡˜, ËÁÎ˯ÍÓ‚ Ë ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ˝ÚËÏ ÓÔ‰ÂÎfl-ÂÚ ÔÓfl‰ÓÍ Â„ÛÎËÓ‚‡ÌËfl ‡ÒıÓʉÂÌËÈ ÏÂÊ‰Û Ù‡ÍÚ˘ÂÒÍËÏˉ‡ÌÌ˚ÏË Â‚ËÁËË Ë ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡.

àÁÎ˯ÍË Ò‚Âı ‰ÓÔÛÒÚËÏ˚ı ‚ÂÒÓ‚˚ı ‡ÒıÓʉÂÌËÈ Ì ‰ÓÔÛÒ-͇˛ÚÒfl Ë ÔÓ‰ÎÂÊ‡Ú ÓÔËıÓ‰Ó‚‡Ì˲ ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ÔÓfl‰ÍÂ.

ç‰ÓÒÚ‡˜‡ Ò‚Âı ‰ÓÔÛÒÚËÏ˚ı ‚ÂÒÓ‚˚ı ‡ÒıÓʉÂÌËÈ Ì ‰Ó-ÔÛÒ͇ÂÚÒfl Ë ‚ÓÁÏ¢‡ÂÚÒfl ‚ ‡Áχı Ë ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ıÁ‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

É·‚‡ 7éÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ ÔË ÓÒÛ˘ÂÒÚ‚ÎÂÌËË ÓÔ‡ˆËÈ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË38. ä Ôӂ‰ÂÌ˲ ÓÔ‡ˆËÈ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË ‰Ó-

ÔÛÒ͇˛ÚÒfl ÚÓθÍÓ Îˈ‡, Ôӯ‰¯Ë ӷۘÂÌËÂ Ë Ò‰‡‚¯Ë Á‡˜ÂÚ̇ ÏÂÒÚ‡ı ̇ Á̇ÌË ÌÓχÚË‚Ì˚ı Ô‡‚Ó‚˚ı ‡ÍÚÓ‚ 燈ËÓ̇θ-ÌÓ„Ó ·‡Ì͇, ͇҇˛˘ËıÒfl Ôӂ‰ÂÌËfl ÓÔ‡ˆËÈ Ò ‰‡„ÓˆÂÌÌ˚ÏË

ÏÂڇηÏË, ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ‰ÓÎÊÌÓÒÚÌ˚ÏË Ó·flÁ‡ÌÌÓÒÚflÏË. êÛ-ÍÓ‚Ó‰ËÚÂθ ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl Ó·flÁ‡Ì ÔÓÒÚ‡‚ËÚ¸ ‚ ËÁ-‚ÂÒÚÌÓÒÚ¸ ÒÔˆˇÎËÒÚÓ‚-˝ÍÒÔÂÚÓ‚, ÔÓ‚Ó‰fl˘Ëı ˝ÍÒÔÂÒÒ-ˉÂÌÚËÙË͇ˆË˛ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚, Ó ÚÓÏ, ˜ÚÓ ‚ ÒÎÛ˜‡ÂÔËÂχ ËÏË ÔÓ‰‰ÂθÌÓ„Ó ÒÎËÚ͇ ËÎË ÏÓÌÂÚ˚ ‚ÒΉÒÚ‚Ë ÌÂÒÓ-·Î˛‰ÂÌËfl Ú·ӂ‡ÌËÈ ÌÓχÚË‚Ì˚ı Ô‡‚Ó‚˚ı ‡ÍÚÓ‚ 燈ËÓ̇θ-ÌÓ„Ó ·‡Ì͇, ͇҇˛˘ËıÒfl Ôӂ‰ÂÌËfl ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ-͇ÏË Ë ÏÓÌÂÚ‡ÏË Ë ˝ÍÒÔÂÒÒ-ˉÂÌÚËÙË͇ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚ ËÏÓÌÂÚ ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚, ÓÌË ÌÂÒÛÚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡-ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‰ËÒˆËÔÎË̇ÌÛ˛, χÚÂ-ˇθÌÛ˛, Û„ÓÎÓ‚ÌÛ˛ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸, ‡ Ú‡ÍÊ ‚ÓÁÏ¢‡˛Ú ·‡Ì-ÍÛ Ô˘ËÌÂÌÌ˚È Û˘Â· ‚ ‡ÁÏÂÂ, ÓÔ‰ÂÎÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθ-ÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

èË ‚˚fl‚ÎÂÌËË Ù‡ÍÚ‡ ÔÓÍÛÔÍË ÔÓ‰‰ÂθÌÓ„Ó ÒÎËÚ͇ ËÎË ÏÓ-ÌÂÚ˚ ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ ÔÓ‰‡ÂÚ ÔËÒ¸ÏÂÌÌÓ ӷ˙flÒÌÂÌË ̇ËÏfl ÛÍÓ‚Ó‰ËÚÂÎfl ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl Ò Û͇Á‡ÌËÂÏ Ó·-ÒÚÓflÚÂθÒÚ‚ ÔÓÍÛÔÍË ËÏ ÔÓ‰‰ÂθÌÓ„Ó ÒÎËÚ͇ ËÎË ÏÓÌÂÚ˚.

39. ÑÎfl ‡ÒÒÏÓÚÂÌËfl ÔËÒ¸ÏÂÌÌ˚ı Ó·˙flÒÌÂÌËÈ, ÔÓÒÚÛÔ‡˛˘ËıÓÚ ÒÔˆˇÎËÒÚÓ‚-˝ÍÒÔÂÚÓ‚, ÒÓÁ‰‡ÂÚÒfl ÔÓÒÚÓflÌ̇fl ÍÓÏËÒÒËfl ËÁ‡·ÓÚÌËÍÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ‰Îfl ÔÓ‚ÂÍË Ó·ÒÚÓflÚÂθÒÚ‚ÔÓÍÛÔÍË ÔÓ‰‰ÂθÌÓ„Ó ÏÂÌÓ„Ó ÒÎËÚ͇ ËÎË ÏÓÌÂÚ˚ Ë Òӷβ‰ÂÌËflÒÔˆˇÎËÒÚÓÏ-˝ÍÒÔÂÚÓÏ Ú·ӂ‡ÌËÈ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚‡ êÂÒ-ÔÛ·ÎËÍË Å·ÛÒ¸.

ê¯ÂÌËÂ Ó Ô˂ΘÂÌËË ÒÔˆˇÎËÒÚÓ‚-˝ÍÒÔÂÚÓ‚ Í ÓÚ‚ÂÚÒÚ-‚ÂÌÌÓÒÚË ÔËÌËχÂÚÒfl ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂ-ÒÔÛ·ÎËÍË Å·ÛÒ¸.

èËÎÓÊÂÌË 1Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

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46 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 2Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

0402380195

ÑÎfl ÒÎÛÊ·ÌÓ„Ó ÔÓθÁÓ‚‡ÌËfl(ÔÓ Á‡ÔÓÎÌÂÌËË) ùÍÁ. ‹

_________________________________________________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl )

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ç‡ËÏÂÌÓ‚‡ÌËÂ Ë éÒÚ‡ÚÓÍ Ì‡ _________________ éÒÚ‡ÚÓÍ Ì‡ _________________ÌÓÏ ·‡Î‡ÌÒÓ‚Ó„Ó

Ò˜ÂÚ‡ ‚ ‡ÁÂÁ äÓ΢ÂÒÚ‚Ó, é·˘‡fl é·˘‡fl é·˘‡fl äÓ΢ÂÒÚ‚Ó, é·˘‡fl é·˘‡fl é·˘‡fl̇ËÏÂÌÓ‚‡ÌËfl Ë ¯ÚÛÍ ÎË„‡ÚÛ̇fl ˜ËÒÚ‡fl ·‡Î‡ÌÒÓ‚‡fl ¯ÚÛÍ ÎË„‡ÚÛ̇fl ˜ËÒÚ‡fl ·‡Î‡ÌÒÓ‚‡fl

‚ˉ‡ ‰‡„ÓˆÂÌÌÓ„Ó Ï‡ÒÒ‡, χÒÒ‡, ÒÚÓËÏÓÒÚ¸, χÒÒ‡, χÒÒ‡, ÒÚÓËÏÓÒÚ¸,ÏÂڇη (ÏÂÌ˚ „‡ÏÏÓ‚ „‡ÏÏÓ‚ ·ÂÎÓÛÒÒÍËı „‡ÏÏÓ‚ „‡ÏÏÓ‚ ·ÂÎÓÛÒÒÍËıÒÎËÚÍË ‚ ‡ÁÂÁ ۷ÎÂÈ Û·ÎÂÈ

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ãˈ‡, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ÂÁ‡ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ:

___________ __________________ ___________ __________________(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)___________ __________________ ___________ __________________(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)___________ __________________ ___________ __________________(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

47Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 3Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

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ëÔˆËÙË͇ˆËfl ‹ ____̇ ÏÂÌ˚ ÒÎËÚÍË,

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‡ÒÔÓflÊÂÌËfl ÓÚ __________ ‹ ________

‹ ç‡ËÏÂÌÓ‚‡ÌË çÓÏ ÒÎËÚ͇ å‡ÒÒ‡ ‚ ÎË„‡ÚÛÂ, å‡ÒÒ‡ ‚ ˜ËÒÚÓÚÂ, èÓ·‡ Ň·ÌÒÓ‚‡fl ÒÚÓËÏÓÒÚ¸,Ô/Ô ‰‡„ÓˆÂÌÌÓ„Ó ÏÂڇη „‡ÏÏÓ‚ „‡ÏÏÓ‚ ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ

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χÒÒÓÈ:ÎË„‡ÚÛÌÓÈ ________________________________________________________ „,

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ãˈ‡, ÓÚ‚ÂÚÒÚ‚ÂÌÌ˚ Á‡ _______________ ___________________ ÒÓı‡ÌÌÓÒÚ¸ ˆÂÌÌÓÒÚÂÈ: (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

_______________ ___________________ (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

å.è.

48 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 4Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

Ä ä í________________ ‹ ______

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èËÌËχ˛˘‡fl ÒÚÓÓ̇ ________________ __________________________ (‰ÓÎÊÌÓÒÚ¸) (à.é. î‡ÏËÎËfl)

íËÔ ÙÛÚÎfl‡ äÓ΢ÂÒÚ‚Ó, ¯ÚÛÍ ñÂ̇, ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ ëÛÏχ, ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ

艇Π_____________________ ____________ _____________________(‰ÓÎÊÌÓÒÚ¸) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

èËÌflÎ _____________________ ____________ _____________________(‰ÓÎÊÌÓÒÚ¸) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

Ç ‰ÂÎÓ ______________________________

(ÔÓ‰ÔËÒ¸)_________________________

(‰‡Ú‡)

49Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 5Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

0402530204

éèàëú ‹___‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚, ÙÛÚÎflÓ‚

Òӄ·ÒÌÓ Á‡fl‚Í ÓÚ ____________ ‹ _______________________________________________________________________________________________________

(̇ËÏÂÌÓ‚‡ÌË ÔÓÎÛ˜‡ÚÂÎfl — ‰Îfl ˛Ë‰Ë˜ÂÒÍÓ„Ó Îˈ‡, î.à.é. Ë Ô‡ÒÔÓÚÌ˚ ‰‡ÌÌ˚ — ‰Îfl ÙËÁ˘ÂÒÍÓ„Ó Îˈ‡)

ç‡ËÏÂÌÓ‚‡ÌË Çˉ çÓÏ äÓ΢ÂÒÚ‚Ó, ãË„‡ÚÛ̇fl óËÒÚ‡fl Ň·ÌÒÓ‚‡fl ñÂ̇ Á‡ ¯ÚÛÍÛ ëÛÏχ, ‰‡„ÓˆÂÌÌÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÒÎËÚ͇ ¯ÚÛÍ Ï‡ÒÒ‡, χÒÒ‡, ÒÚÓËÏÓÒÚ¸, (Á‡ 1 „‡ÏÏ ‚ ˜ËÒÚÓÚÂ), ·ÂÎÓÛÒÒÍËı

ÏÂڇη, ÏÂڇη „‡ÏÏÓ‚ „‡ÏÏÓ‚ ·ÂÎÓÛÒÒÍËı ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ Û·ÎÂÈ (‰ÓÎ- ÚËÔ ÙÛÚÎfl‡ Û·ÎÂÈ* (‰Óηӂ ëòÄ) ·ӂ ëòÄ)

1 2 3 4 5 6 7 8 9

àÚÓ„Ó ı ı

îÛÚÎfl˚ ı ı ı ı ı

àÚÓ„Ó ı ı ı ı ı ı

éÔËÒ¸ ÒÓÒÚ‡‚ËÎ ___________ ____________ ___________________(‰ÓÎÊÌÓÒÚ¸) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

Ç˚‰‡Î ___________ ____________ ___________________(‰ÓÎÊÌÓÒÚ¸) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

èÓÎÛ˜ËÎ** ___________ ____________ ___________________(‰ÓÎÊÌÓÒÚ¸) (ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

å.è.

* ç Á‡ÔÓÎÌflÂÚÒfl ‚ Ô‚ÓÏ ˝ÍÁÂÏÔÎfl ÓÔËÒË ‰Îfl ÙËÁ˘ÂÒÍËı Îˈ, ÓÒÛ˘ÂÒÚ‚Îfl˛˘Ëı ÓÔ·ÚÛ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ ·ÂÁ̇΢ÌÓÈ ÙÓÏÂ.** á‡ÔÓÎÌflÂÚÒfl ÚÓθÍÓ ÙËÁ˘ÂÒÍËÏË Îˈ‡ÏË, ÓÒÛ˘ÂÒÚ‚Îfl˛˘ËÏË ÓÔ·ÚÛ ÏÂÌ˚ı ÒÎËÚÍÓ‚ ‚ ·ÂÁ̇΢ÌÓÈ ÙÓÏÂ.

50 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 6Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

______________________________________________________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl)

“___” _______________ ____ „.

éÚ˚‚ÌÓÈ Ú‡ÎÓÌ ‹ ___̇ ÔÓ‰‡ÌÌ˚ ‰‡„ÓˆÂÌÌ˚ ÏÂÚ‡ÎÎ˚, ÙÛÚÎfl˚

ç‡ËÏÂÌÓ‚‡ÌË Çˉ çÓÏ ãË„‡ÚÛ̇fl óËÒÚ‡fl èÓ·‡ äÓ΢ÂÒÚ‚Ó, ñÂ̇ ‰ËÌˈ˚, ëÛÏχ, ‰‡„ÓˆÂÌÌÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÒÎËÚ͇ χÒÒ‡, χÒÒ‡, ¯ÚÛÍ ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ ·ÂÎÓÛÒÒÍËı

ÏÂڇη, ÏÂڇη „‡ÏÏÓ‚ „‡ÏÏÓ‚ (‰Óηӂ ëòÄ) Û·ÎÂÈ (‰ÓÎ-ÚËÔ ÙÛÚÎfl‡ ·ӂ ëòÄ)

1 2 3 4 5 6 7 8 9

àÚÓ„Ó ı ı

îÛÚÎfl˚ ı ı ı ı ı

àÚÓ„Ó ı ı ı ı ı ı

ëÛÏχ ___________________________________________________________________________________________________________________(ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛)

__________________________________________________________________________________________________________________________

èÓÎÛ˜‡ÚÂθ _______________ ___________________(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ(͇ÒÒË) _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

å.è.

51Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 7Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

0402710193

_______________________________________________ _______________________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl) (à.é. î‡ÏËÎËfl ͇ÒÒˇ ËÎË ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡)

êÂÂÒÚ ‹ ___________________________________________________________________________________________________________

(ÍÛÔÎÂÌÌ˚ı (ÔÓ‰‡ÌÌ˚ı*) ÏÓÌÂÚ (ÒÎËÚÍÓ‚), ÙÛÚÎflÓ‚, ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÁÓÎÓÚÓ, Ò·Ó, Ô·ÚË̇, ԇη‰ËÈ)

“__” _________ _______ „.

1 2 3 4 5 6 7 8 9 10

àÚÓ„Ó ı ı

îÛÚÎfl˚ ı ı ı ı

àÚÓ„Ó ı ı ı ı ı

ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ(͇ÒÒË) _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

*Ç ÂÂÒÚ ÔÓ‰‡ÌÌ˚ı ÏÂÌ˚ı ÒÎËÚÍÓ‚ „‡Ù˚ 9, 10 Á‡ÔÓÎÌfl˛ÚÒfl Á‡‚Â‰Û˛˘ËÏ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Ì‡ ÓÒÌÓ‚‡ÌËË ÒÔˆËÙË͇ˆËË.

çÓÏ

 Ó

Ú˚

‚ÌÓ„

Ó Ú‡

ÎÓÌ

‡, Í

‚ËÚ‡

̈ËË

çÓÏ

 Ò

ÎËÚ

͇

(‰ÓÒ

ÚÓËÌ

ÒÚ‚Ó

ÏÓÌ

ÂÚ˚

),ÚË

Ô Ù

ÛÚÎ

fl‡

å‡Ò

Ò‡ ‚

ÎË„

‡ÚÛ

ÂÒÎ

ËÚ͇

(Ï

ÓÌÂÚ

˚),

„‡Ï

ÏÓ‚

å‡Ò

Ò‡ ‚

˜ËÒ

ÚÓÚÂ

ÒÎËÚ

͇ (

ÏÓÌ

ÂÚ˚

),„

‡ÏÏ

Ó‚

èÓ

·‡

äÓÎ

˘ÂÒ

Ú‚Ó,

¯

ÚÛÍ

ñÂÌ

‡ ‰

ËÌˈ

˚,

·ÂÎ

ÓÛÒ

ÒÍËı

Û·

ÎÂÈ

(‰ÓÎ

·

Ó‚ ë

òÄ

)

ëÛÏ

χ,

·Â

ÎÓ

ÛÒÒÍ

Ëı

Û·Î

ÂÈ(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

ŇÎ

‡ÌÒÓ

‚‡fl

ÒÚÓË

ÏÓÒ

Ú¸,

·ÂÎ

ÓÛÒ

ÒÍËı

Û·

ÎÂÈ

(‰ÓÎ

·

Ó‚ ë

òÄ

)

ê‡Á

Ìˈ‡

ÏÂÊ

‰Û

ˆÂÌÓ

ÈÔ

Ó‰‡Ê

Ë Ë

·‡Î

‡ÌÒÓ

‚ÓÈ

ÒÚÓË

ÏÓÒ

Ú¸˛

, ·Â

ÎÓ

ÛÒÒÍ

Ëı

Û·Î

ÂÈ(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

52 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 8Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

0402710194

_______________________________________________ _______________________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl) (à.é. î‡ÏËÎËfl ͇ÒÒˇ ËÎË ÒÔˆˇÎËÒÚ‡-˝ÍÒÔÂÚ‡)

ë‚Ó‰Ì˚È ÂÂÒÚ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ‹ ____

____________________________________________________________________(ÍÛÔÎÂÌÌ˚ı (ÔÓ‰‡ÌÌ˚ı) ÏÓÌÂÚ (ÒÎËÚÍÓ‚), ÙÛÚÎflÓ‚)

Á‡ “___” ___________ _______ „.

áÓÎÓÚÓ ëÂÂ·Ó è·ÚË̇ (ԇη‰ËÈ)

é·˘‡fl χÒÒ‡, é·˘‡fl χÒÒ‡, é·˘‡fl χÒÒ‡, „‡ÏÏÓ‚ „‡ÏÏÓ‚ „‡ÏÏÓ‚

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

ÇÒ„Ó

îÛÚ-Îfl˚ ı ı ı ı ı ı ı ı ı ı

ÇÒÂ„Ó ı ı ı ı ı ı ı ı ı ı

ÇÒÂ„Ó ÍÛÔÎÂÌÓ (ÔÓ‰‡ÌÓ, ÔËÌflÚÓ ‚ ‰ÂÔÓÁËÚ, ̇ ı‡ÌÂÌËÂ) ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ (ÏÓÌÂÚ, ÒÎËÚÍÓ‚) _______________________________________________________________________________________________________________________________________

(ÒÛÏχ ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛)

èËÌflÚÓ ‰ÂÌÂÊÌÓÈ Ì‡Î˘ÌÓÒÚË Á‡ ÙÛÚÎfl˚ _____________________________________________________________(ÒÛÏχ ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛)

ëÔˆˇÎËÒÚ-˝ÍÒÔÂÚ(͇ÒÒË) _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

çÓÏ

Â

ÂÂÒÚ

‡

äÓÎ

˘ÂÒ

Ú‚Ó,

¯ÚÛ

Í

ÎË„

‡ÚÛ

̇fl

˜ËÒÚ

‡fl

é·˘

‡fl Ò

ÚÓËÏ

ÓÒÚ¸

, ·Â

ÎÓ

ÛÒÒÍ

Ëı

Û·Î

ÂÈ(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

ŇÎ

‡ÌÒÓ

‚‡fl

ÒÚÓË

ÏÓÒ

Ú¸,

·ÂÎ

ÓÛÒ

ÒÍËı

Û·

ÎÂÈ

(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

äÓÎ

˘ÂÒ

Ú‚Ó,

¯ÚÛ

Í

ÎË„

‡ÚÛ

̇fl

˜ËÒÚ

‡fl

é·˘

‡fl Ò

ÚÓËÏ

ÓÒÚ¸

, ·Â

ÎÓ

ÛÒÒÍ

Ëı

Û·Î

ÂÈ(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

ŇÎ

‡ÌÒÓ

‚‡fl

ÒÚÓË

ÏÓÒ

Ú¸,

·ÂÎ

ÓÛÒ

ÒÍËı

Û·

ÎÂÈ

(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

äÓÎ

˘ÂÒ

Ú‚Ó,

¯ÚÛ

Í

ÎË„

‡ÚÛ

̇fl

˜ËÒÚ

‡fl

é·˘

‡fl Ò

ÚÓËÏ

ÓÒÚ¸

, ·Â

ÎÓ

ÛÒÒÍ

Ëı

Û·Î

ÂÈ(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

ŇÎ

‡ÌÒÓ

‚‡fl

ÒÚÓË

ÏÓÒ

Ú¸,

·ÂÎ

ÓÛÒ

ÒÍËı

Û·

ÎÂÈ

(‰

ÓÎÎ

‡Ó‚

ëò

Ä)

53Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 9Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

0402830205

_______________________________________________ _______________________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl) (à.é. î‡ÏËÎËfl ͇ÒÒˇ)

éÚ˜ÂÚ̇fl ÒÔ‡‚Í‡Ó Í‡ÒÒÓ‚˚ı Ó·ÓÓÚ‡ı ÔÓ Â‡ÎËÁ‡ˆËË ÏÂÌ˚ı ÒÎËÚÍÓ‚

“___”__________________ „.

ç‡ËÏÂÌÓ‚‡ÌË ãË„‡ÚÛ̇fl èËÌflÚÓ ÓÚ Á‡‚Â‰Û˛˘Â„Ó ê‡ÒıÓ‰ Á‡ ‰Â̸ 艇ÌÓ Á‡‚Â‰Û˛˘ÂÏÛ‰‡„ÓˆÂÌÌÓ„Ó (ÌÓÏË̇θ̇fl) Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ

ÏÂڇη χÒÒ‡ ÒÎËÚ͇, ÏÂÌ˚ı ÒÎËÚÍÓ‚ ÏÂÌ˚ı ÒÎËÚÍÓ‚„‡ÏÏÓ‚

äÓ΢ÂÒÚ‚Ó, é·˘‡fl äÓ΢ÂÒÚ‚Ó äÓ΢ÂÒÚ‚Ó, é·˘‡fl äÓ΢ÂÒÚ‚Ó, é·˘‡fl ¯ÚÛÍ ÎË„‡ÚÛ̇fl ‰ÓÍÛÏÂÌÚÓ‚ ¯ÚÛÍ ÎË„‡ÚÛ̇fl ¯ÚÛÍ ÎË„‡ÚÛ̇fl

(ÌÓÏË̇θ̇fl) (ÌÓÏË̇θ̇fl) (ÌÓÏË̇θ̇fl) χÒÒ‡, χÒÒ‡, χÒÒ‡,

„‡ÏÏÓ‚ „‡ÏÏÓ‚ „‡ÏÏÓ‚

1 2 3 4 5 6 7 8 9

ä‡ÒÒË(ÒÔˆˇÎËÒÚ-˝ÍÒÔÂÚ) _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

á‡‚Â‰Û˛˘ËÈ Í·‰Ó‚ÓÈ ˆÂÌÌÓÒÚÂÈ _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

éÚ‚ÂÚÒÚ‚ÂÌÌ˚È ËÒÔÓÎÌËÚÂθ Ó·ÓÓÚ˚ Ò‚ÂËÎ _______________ ___________________

(ÔÓ‰ÔËÒ¸) (à.é. î‡ÏËÎËfl)

54 Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 10Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

(ÔËÏÂ̇fl ÙÓχ)

_______________________________________ ëÓÍ ı‡ÌÂÌËfl ____________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl)

à̉ÂÍÒ ‹ _________________________

ä‡ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚ÔÓ ÓÔ‡ˆËflÏ Ò ‰‡„ÓˆÂÌÌ˚ÏË ÏÂڇηÏË

Á‡ “___” _______________ _______ „.

1. èËıÓ‰Ì˚ ͇ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚:Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________

2. ê‡ÒıÓ‰Ì˚ ͇ÒÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚:Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________Ò˜.‹ _________ ____¯Ú. Û·.___________ ˜ËÒÚ‡fl χÒÒ‡, „ ________

3. èËıÓ‰Ì˚ ‚Ì·‡Î‡ÌÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚: ____¯Ú. Û·.___________

4. ê‡ÒıÓ‰Ì˚ ‚Ì·‡Î‡ÌÒÓ‚˚ ‰ÓÍÛÏÂÌÚ˚: ____¯Ú. Û·.___________

ꇷÓÚÌËÍ, ÙÓÏËÓ‚‡‚¯ËÈ ‰ÓÍÛÏÂÌÚ˚ _______________________(ÔÓ‰ÔËÒ¸)

èÓ‚ÂÂÌÓ:

É·‚Ì˚È ·Ûı„‡ÎÚÂ(ÎˈÓ, ËÏ ÛÔÓÎÌÓÏÓ˜ÂÌÌÓÂ) ______________________

(ÔÓ‰ÔËÒ¸)

55Банковский вестник, 11’2003

НОРМАТИВНЫЕ АКТЫ

èËÎÓÊÂÌË 11Í è‡‚ËÎ‡Ï Òӂ¯ÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÔ‡ˆËÈ Ò ÏÂÌ˚ÏË ÒÎËÚ͇ÏË Ë ÏÓÌÂÚ‡ÏË ËÁ ‰‡„ÓˆÂÌÌ˚ı ÏÂÚ‡ÎÎÓ‚ ̇ ÚÂËÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

_______________________________________(̇ËÏÂÌÓ‚‡ÌË ÒÚÛÍÚÛÌÓ„Ó ÔÓ‰‡Á‰ÂÎÂÌËfl)

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éÚ˚‚ÌÓÈ Ú‡ÎÓÌ ‹ ___̇ ÍÛÔÎÂÌÌ˚ ‰‡„ÓˆÂÌÌ˚ ÏÂÚ‡ÎÎ˚

ç‡ËÏÂÌÓ‚‡ÌË Çˉ çÓÏ ãË„‡ÚÛ̇fl óËÒÚ‡fl èÓ·‡ äÓ΢ÂÒÚ‚Ó, ñÂ̇ ‰ËÌˈ˚, ëÛÏχ, ‰‡„ÓˆÂÌÌÓ„Ó ‰‡„ÓˆÂÌÌÓ„Ó ÒÎËÚ͇ χÒÒ‡, χÒÒ‡, ¯ÚÛÍ ·ÂÎÓÛÒÒÍËı Û·ÎÂÈ ·ÂÎÓÛÒÒÍËı

ÏÂڇη ÏÂڇη (‰ÓÒÚÓËÌÒÚ‚Ó „‡ÏÏÓ‚ „‡ÏÏÓ‚ Û·ÎÂÈ ÏÓÌÂÚ˚)

1 2 3 4 5 6 7 8 9

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ДОПОЛНЕНИЯ И ИЗМЕНЕНИЯ В НОРМАТИВНЫЕ АКТЫ

56 Банковский вестник, 11’2003

èéëíÄçéÇãÖçàÖ臂ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸

20 χڇ 2003 „. ‹ 51

é ‚ÌÂÒÂÌËË ËÁÏÂÌÂÌËÈ ‚ 臂Ë· ÔËÏÂÌÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ

êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ï ‚ÓÁ‰ÂÈÒÚ‚Ëfl Í ·‡ÌÍ‡Ï Ë Ì·‡ÌÍÓ‚ÒÍËÏ Í‰ËÚÌÓ-ÙË̇ÌÒÓ‚˚Ï Ó„‡ÌËÁ‡ˆËflÏ,

ÛÚ‚ÂʉÂÌÌ˚ ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ è‡‚ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 25 flÌ‚‡fl 2001 „. ‹ 3

Ç ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒÓ ÒÚ‡Ú¸ÂÈ 135 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸ 臂ÎÂÌË 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË ÅÂ-·ÛÒ¸ èéëíÄçéÇãüÖí:

1. ÇÌÂÒÚË ‚ 臂Ë· ÔËÏÂÌÂÌËfl 燈ËÓ̇θÌ˚Ï ·‡ÌÍÓÏ êÂ-ÒÔÛ·ÎËÍË Å·ÛÒ¸ Ï ‚ÓÁ‰ÂÈÒÚ‚Ëfl Í ·‡ÌÍ‡Ï Ë Ì·‡ÌÍÓ‚ÒÍËÏ͉ËÚÌÓ-ÙË̇ÌÒÓ‚˚Ï Ó„‡ÌËÁ‡ˆËflÏ, ÛÚ‚ÂʉÂÌÌ˚ ÔÓÒÚ‡ÌÓ‚-ÎÂÌËÂÏ è‡‚ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ÓÚ 25 flÌ‚‡fl 2001 „. ‹ 3 (燈ËÓ̇θÌ˚È ÂÂÒÚ Ô‡‚Ó‚˚ı ‡Í-ÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, 2001 „., ‹ 25, 8/4978; ‹ 106, 8/7455;2002 „., ‹ 56, 8/8097), ÒÎÂ‰Û˛˘Ë ËÁÏÂÌÂÌËfl:

1.1. ‚ ‡·Á‡ˆÂ ÚÂÚ¸ÂÏ ÔÛÌÍÚ‡ 9 ÒÎÓ‚‡ “·‡ÌÍÓ‚, ÒÓÁ‰‡‚‡ÂÏ˚ıۘ‰ËÚÂÎflÏË-ÂÁˉÂÌÚ‡ÏË Ë ·‡ÌÍÓ‚ Ò ËÌÓÒÚ‡ÌÌ˚ÏË ËÌ‚ÂÒÚË-ˆËflÏË (‰‡Î — ÏËÌËχθÌ˚È ‡ÁÏ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡, ÛÒÚ‡-ÌÓ‚ÎÂÌÌ˚È ‰Îfl ·‡ÌÍÓ‚, ÒÓÁ‰‡‚‡ÂÏ˚ı ۘ‰ËÚÂÎflÏË-ÂÁˉÂÌÚ‡-ÏË)” Á‡ÏÂÌËÚ¸ ÒÎÓ‚‡ÏË “‚ÌÓ‚¸ ÒÓÁ‰‡‚‡ÂÏÓ„Ó (ÂÓ„‡ÌËÁÛÂÏÓ„Ó)·‡Ì͇ 臂Ë·ÏË Â„ÛÎËÓ‚‡ÌËfl ‰ÂflÚÂθÌÓÒÚË ·‡ÌÍÓ‚ Ë Ì·‡Ì-ÍÓ‚ÒÍËı ͉ËÚÌÓ-ÙË̇ÌÒÓ‚˚ı Ó„‡ÌËÁ‡ˆËÈ, ÛÚ‚ÂʉÂÌÌ˚ÏËÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ è‡‚ÎÂÌËfl 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ ÓÚ 28 ˲Ìfl 2001 „. ‹ 173 ( ‰‡Î — ÏËÌËχθÌ˚È ‡Á-Ï ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡);”;

1.2. ‡·Á‡ˆ ‚ÚÓÓÈ ÔÛÌÍÚ‡ 12 ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡Í-ˆËË:

“‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,1 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”;

1.3. ‚ ‡·Á‡ˆÂ ÚÂÚ¸ÂÏ ÔÓ‰ÔÛÌÍÚ‡ 13.2 ÔÛÌÍÚ‡ 13 ÒÎÓ‚‡ “ÛÒÚ‡-ÌÓ‚ÎÂÌÌÓ„Ó ‰Îfl ·‡ÌÍÓ‚, ÒÓÁ‰‡‚‡ÂÏ˚ı ۘ‰ËÚÂÎflÏË-ÂÁˉÂÌ-Ú‡ÏË” ËÒÍβ˜ËÚ¸;

1.4. ‚ ÔÛÌÍÚ 14:‡·Á‡ˆ ÚÂÚËÈ ÔÓ‰ÔÛÌÍÚ‡ 14.6 ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡Í-

ˆËË:“‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,1 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”;

‚ ÔÓ‰ÔÛÌÍÚ 14.7:‡·Á‡ˆ ‚ÚÓÓÈ ËÒÍβ˜ËÚ¸;‡·Á‡ˆ ÚÂÚËÈ ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡ÍˆËË:“‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,1 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”;‡·Á‡ˆ ÚÂÚËÈ ÔÓ‰ÔÛÌÍÚ‡ 14.8 ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡Í-

ˆËË: “‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,1 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”;1.5. ‚ ‡·Á‡ˆÂ Ô‚ÓÏ ÔÛÌÍÚ‡ 15 ÒÎÓ‚‡ “ÒÓÏÌËÚÂθÌ˚Ï Ë ·ÂÁ-

̇‰ÂÊÌ˚Ï ‡ÍÚË‚‡Ï” Á‡ÏÂÌËÚ¸ ÒÎÓ‚‡ÏË “‡ÍÚË‚‡Ï ·‡Ì͇, ÔÓ‰‚Â-ÊÂÌÌ˚Ï Í‰ËÚÌÓÏÛ ËÒÍÛ,”;

1.6. ‚ ÔÛÌÍÚ 16: ‚ ‡·Á‡ˆÂ Ô‚ÓÏ ÒÎÓ‚‡ “ÒÓÏÌËÚÂθÌ˚Ï Ë ·ÂÁ̇‰ÂÊÌ˚Ï ‡ÍÚË-

‚‡Ï” Á‡ÏÂÌËÚ¸ ÒÎÓ‚‡ÏË “‡ÍÚË‚‡Ï ·‡Ì͇, ÔÓ‰‚ÂÊÂÌÌ˚Ï Í‰ËÚ-ÌÓÏÛ ËÒÍÛ,”;

‡·Á‡ˆ ‚ÚÓÓÈ ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡ÍˆËË:“‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,5 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”; 1.7. ‡·Á‡ˆ ‚ÚÓÓÈ ÔÛÌÍÚ‡ 17 ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡Í-

ˆËË:“‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,1 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”; 1.8. ‡·Á‡ˆ ‚ÚÓÓÈ ÔÛÌÍÚ‡ 19 ËÁÎÓÊËÚ¸ ‚ ÒÎÂ‰Û˛˘ÂÈ Â‰‡Í-

ˆËË: “‚Á˚Ò͇ڸ ¯Ú‡Ù ‚ ‡ÁÏ ‰Ó 0,5 ÔÓˆÂÌÚ‡ ‚Íβ˜ËÚÂθÌÓ

ÓÚ ÏËÌËχθÌÓ„Ó ‡Áχ ÛÒÚ‡‚ÌÓ„Ó ÙÓ̉‡;”;1.9. ‚ ÔÛÌÍÚ 20 ÒÎÓ‚‡ “, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓ„Ó ‰Îfl ·‡ÌÍÓ‚, ÒÓÁ‰‡-

‚‡ÂÏ˚ı ۘ‰ËÚÂÎflÏË-ÂÁˉÂÌÚ‡ÏË” ËÒÍβ˜ËÚ¸.

á‡Â„ËÒÚËÓ‚‡ÌÓ‚ 燈ËÓ̇θÌÓÏ ÂÂÒÚ ԇ‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ 2 ‡ÔÂÎfl 2003 „. ‹ 8/9339

è‰Ò‰‡ÚÂθ 臂ÎÂÌËfl è.è. èÓÍÓÔӂ˘

57Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

2244..0033..22000033 ‹‹ 0044--3322//114488

êÂÍÓÏẨ‡ˆËËÓ ÔÓfl‰Í ӄ‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl

ç‡ÒÚÓfl˘Ë êÂÍÓÏẨ‡ˆËË ‡Á‡·ÓÚ‡Ì˚ 燈ËÓ̇θÌ˚Ï ·‡Ì-ÍÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ ‡Á‚ËÚË ÔÛÌÍÚ‡ 16 臂ËÎ ‡ÁÏÂ-˘ÂÌËfl ·‡Ì͇ÏË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ‚ ÙÓ-Ϡ͉ËÚ‡, ÛÚ‚ÂʉÂÌÌ˚ı ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ è‡‚ÎÂÌËfl 燈ËÓ-̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 24 χfl 2001 „. ‹ 116(燈ËÓ̇θÌ˚È ÂÂÒÚ Ô‡‚Ó‚˚ı ‡ÍÚÓ‚ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸,2001 „., ‹ 61, 8/6239) (‰‡Î — 臂Ë·), Ë ‚ ˆÂÎflı Ó͇Á‡ÌËfl ÏÂ-ÚӉ˘ÂÒÍÓÈ ÔÓÏÓ˘Ë ·‡ÌÍ‡Ï ÔË Ó„‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó͉ËÚÓ‚‡ÌËfl.

É·‚‡ 1鷢ˠÔÓÎÓÊÂÌËfl1. èËÏÂÌËÚÂθÌÓ Í Ì‡ÒÚÓfl˘ËÏ êÂÍÓÏẨ‡ˆËflÏ ÔÓ‰ ÍÓÌÒÓ-

ˆË‡Î¸Ì˚Ï Í‰ËÚÓÏ ÔÓÌËχÂÚÒfl ͉ËÚ, Ô‰ÓÒÚ‡‚ÎflÂÏ˚È Ó‰ÌÓ-ÏÛ Í‰ËÚÓÔÓÎÛ˜‡ÚÂβ ÌÂÒÍÓθÍËÏË ·‡Ì͇ÏË, Á‡Íβ˜Ë‚¯ËÏË‰Ó„Ó‚Ó Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡(‰‡Î — ·‡ÌÍË-Û˜‡ÒÚÌËÍË). èË ˝ÚÓÏ ‰Ó„Ó‚Ó Ó ÍÓÌÒӈˇθÌÓÏ͉ËÚ Á‡Íβ˜‡ÂÚ Ò Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Ó‰ËÌ ËÁ ·‡ÌÍÓ‚-Û˜‡-ÒÚÌËÍÓ‚, ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚È Ì‡ ˝ÚÓ ÓÒڇθÌ˚ÏË ·‡Ì͇ÏË-Û˜‡ÒÚÌË-͇ÏË (‰‡Î — ·‡ÌÍ-‡„ÂÌÚ), ‚ ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ ‰Ó„Ó‚Ó-ÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

2. èÓ ‰Ó„Ó‚ÓÛ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂ-Ì˲ ͉ËÚ‡ ·‡ÌÍË-Û˜‡ÒÚÌËÍË Ó·flÁÛ˛ÚÒfl ÒÓ‰ËÌËÚ¸ Ò‚ÓË ÍÂ-‰ËÚÌ˚ ÂÒÛÒ˚ Ë ÒÓ‚ÏÂÒÚÌÓ ‰ÂÈÒÚ‚Ó‚‡Ú¸ ·ÂÁ Ó·‡ÁÓ‚‡ÌËfl ˛Ë-‰Ë˜ÂÒÍÓ„Ó Îˈ‡ ‰Îfl ͉ËÚÓ‚‡ÌËfl ͇ÍÓ„Ó-ÎË·Ó ÔÓÂÍÚ‡ ‚ ÔÂ-‰Â·ı ÒÓ͇, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓ„Ó ‰Ó„Ó‚ÓÓÏ. äÓ΢ÂÒÚ‚Ó ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÏÓÊÂÚ ËÁÏÂÌflÚ¸Òfl ‚ Ú˜ÂÌË ÒÓ͇ ‰ÂÈÒÚ‚Ëfl ‰Ó„Ó-‚Ó‡ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡ ‚ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸ ËÎË ‰Ó„Ó‚ÓÓÏ.

3. äÓÌÒӈˇθÌ˚ Í‰ËÚ˚ Ô‰ÓÒÚ‡‚Îfl˛ÚÒfl ̇ ˆÂÎË, Ò‚fl-Á‡ÌÌ˚Â Ò ÒÓÁ‰‡ÌËÂÏ Ë ‰‚ËÊÂÌËÂÏ Ó·ÓÓÚÌ˚ı (ÚÂÍÛ˘Ëı) Ë ‚ÌÂ-Ó·ÓÓÚÌ˚ı (‰Ó΄ÓÒÓ˜Ì˚ı) ‡ÍÚË‚Ó‚.

4. èË ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÓ‚‡ÌËË ÒÚÓÓÌ˚ ÛÍÓ‚Ó‰ÒÚ‚Û-˛ÚÒfl ŇÌÍÓ‚ÒÍËÏ ÍÓ‰ÂÍÒÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ‚˚¯ÂÛ͇Á‡Ì-Ì˚ÏË è‡‚Ë·ÏË Ë ‰Û„ËÏË ‡ÍÚ‡ÏË Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚‡ êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸.

5. äÓÌÒӈˇθÌ˚ Í‰ËÚ˚ ÏÓ„ÛÚ Ô‰ÓÒÚ‡‚ÎflÚ¸Òfl Í‡Í ‚·ÂÎÓÛÒÒÍËı Û·Îflı, Ú‡Í Ë ‚ ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛ÚÂ. ä‰ËÚ˚ ‚ËÌÓÒÚ‡ÌÌÓÈ ‚‡Î˛Ú Ô‰ÓÒÚ‡‚Îfl˛ÚÒfl ÔÂËÏÛ˘ÂÒÚ‚ÂÌÌÓ Ì‡ ‚‡-βÚÓÓÍÛÔ‡ÂÏ˚ ÔÓÂÍÚ˚.

6. ÑÓıÓ‰˚, ÔÓÎÛ˜‡ÂÏ˚ ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË ‚ ÂÁÛθڇÚÂËı ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒӈˇθÌÓ-„Ó Í‰ËÚ‡, ‡ÒÔ‰ÂÎfl˛ÚÒfl ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡ÒÚËfl ‚ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, ÂÒÎË ËÌÓ Ì Ô‰ÛÒÏÓÚÂÌÓ ‰Ó„Ó‚ÓÓÏÓ ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

7. èÓfl‰ÓÍ Ô‰ÓÒÚ‡‚ÎÂÌËfl Ë ‚ÓÁ‚‡Ú‡ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚,ÔÓÍ˚ÚËfl ‡ÒıÓ‰Ó‚ Ë Û·˚ÚÍÓ‚, Ò‚flÁ‡ÌÌ˚ı Ò ÒÓ‚ÏÂÒÚÌÓÈ ‰Âfl-ÚÂθÌÓÒÚ¸˛ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒÓˆË-‡Î¸ÌÓ„Ó Í‰ËÚ‡, ÓÔ‰ÂÎflÂÚÒfl ‚ ‰Ó„Ó‚ÓÂ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰Âfl-ÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

8. ä‡Ê‰˚È ·‡ÌÍ-Û˜‡ÒÚÌËÍ ÌÂÒÂÚ ‡ÒıÓ‰˚ Ë Û·˚ÚÍË, Ò‚flÁ‡Ì-Ì˚Â Ò ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚ¸˛ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒÓˆË-‡Î¸ÌÓ„Ó Í‰ËÚ‡, ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠۘ‡ÒÚËfl — ‡ÁÏÂÛ ‰Â-ÌÂÊÌ˚ı Ò‰ÒÚ‚, ‚ÌÂÒÂÌÌ˚ı ËÏ ‰Îfl ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ-‚‡ÌËfl. ÑÓ„Ó‚Ó Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË, ÒÓ‰Âʇ˘ËÈ ÛÒÎÓ-‚Ëfl Ó· ÓÒ‚Ó·ÓʉÂÌËË Î˛·Ó„Ó ËÁ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÓÚ Û˜‡ÒÚËfl‚ ÔÓÍ˚ÚËË ‡ÒıÓ‰Ó‚ ËÎË Û·˚ÚÍÓ‚, Ì˘ÚÓÊÂÌ.

ŇÌÍË-Û˜‡ÒÚÌËÍË, ÔÓÌÂүˠ۷˚ÚÍË ÔÓ ‚ËÌ ÍÓÌÍÂÚÌÓ„Ó·‡Ì͇-Û˜‡ÒÚÌË͇, ËÏÂ˛Ú Ô‡‚Ó Ì‡ Ëı ‚Á˚Ò͇ÌËÂ Ò ‚ËÌÓ‚ÌÓ„Ó ·‡Ì-͇-Û˜‡ÒÚÌË͇ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÎÓ‚ËflÏË ‰Ó„Ó‚Ó‡ Ó ÒÓ‚ÏÂÒÚÌÓȉÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡. Ç Û͇Á‡ÌÌÓÏ ‰Ó„Ó‚Ó- ÏÓÊÂÚ ·˚Ú¸ Ô‰ÛÒÏÓÚÂ̇ Ó·flÁ‡ÌÌÓÒÚ¸ ·‡Ì͇-Û˜‡ÒÚÌË͇ ÔÓÛÔ·Ú ËÌ˚Ï ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï ÌÂÛÒÚÓÈÍË (¯Ú‡Ù‡, ÔÂÌË).

9. ŇÌÍË-Û˜‡ÒÚÌËÍË Óڂ˜‡˛Ú Ô‰ ͉ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏÒÓÎˉ‡ÌÓ ÔÓ ‚ÒÂÏ Ó·˘ËÏ Ó·flÁ‡ÚÂθÒÚ‚‡Ï ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡. çÂËÒÔÓÎÌÂÌË ÎË·Ó ÌÂ̇‰ÎÂʇ˘ÂÂ

ËÒÔÓÎÌÂÌË ӷflÁ‡ÚÂθÒÚ‚ Ó‰ÌËÏ ËÁ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ‚ΘÂÚÒÓÎˉ‡ÌÛ˛ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ ‚ÒÂı ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚.

É·‚‡ 2èÓfl‰ÓÍ Ó„‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl10. ÑÎfl ÔÓÎÛ˜ÂÌËfl ͉ËÚ‡ ͉ËÚÓÔÓÎÛ˜‡ÚÂθ Ô‰ÓÒÚ‡‚-

ÎflÂÚ ·‡ÌÍÛ Ô‡ÍÂÚ ‰ÓÍÛÏÂÌÚÓ‚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò è‡‚Ë·ÏË ËÎËêÂÍÓÏẨ‡ˆËflÏË ÔÓ ‰Ó΄ÓÒÓ˜ÌÓÏÛ Í‰ËÚÓ‚‡Ì˲ ·‡Ì͇ÏË ËÌ-‚ÂÒÚˈËÓÌÌ˚ı ÔÓÂÍÚÓ‚, ÛÚ‚ÂʉÂÌÌ˚ÏË ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏ ëÓ-‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÓÚ 18 ˲Ìfl 1999 „. ‹ 16.1„.

Ç ˆÂÎflı Òӷβ‰ÂÌËfl Ó·flÁ‡ÚÂθÌ˚ı ˝ÍÓÌÓÏ˘ÂÒÍËı ÌÓχÚË-‚Ó‚ Ë Ú·ӂ‡ÌËÈ, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·-ÎËÍË Å·ÛÒ¸, ‡ Ú‡ÍÊ ‚ ÒÎÛ˜‡Â ̉ÓÒÚ‡ÚÓ˜ÌÓÒÚË Í‰ËÚÌ˚ıÂÒÛÒÓ‚ ËÎË ÔÓ ‰Û„ËÏ ÓÒÌÓ‚‡ÌËflÏ ·‡ÌÍ ÏÓÊÂÚ Ô‰ÎÓÊËڸ͉ËÚÓÔÓÎÛ˜‡ÚÂβ Ô‰ÓÒÚ‡‚ÎÂÌˠ͉ËÚ‡ ̇ ÍÓÌÒӈˇθ-ÌÓÈ ÓÒÌÓ‚Â.

11. Ç ÒÎÛ˜‡Â Òӄ·ÒËfl ͉ËÚÓÔÓÎÛ˜‡ÚÂÎfl ̇ ÔÓÎÛ˜ÂÌË ÍÓÌ-ÒӈˇθÌÓ„Ó Í‰ËÚ‡ ·‡ÌÍ Ó„‡ÌËÁÛÂÚ ‡·ÓÚÛ ÔÓ Á‡Íβ˜ÂÌ˲‰Ó„Ó‚Ó‡ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÂ-‰ËÚ‡.

èÓÎۘ˂ ÓÚ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl Ô‡ÍÂÚ ‰ÓÍÛÏÂÌÚÓ‚, ·‡ÌÍÔÓ‚Ó‰ËÚ Ëı ‡Ì‡ÎËÁ Ë ÔÓ‰„ÓÚ‡‚ÎË‚‡ÂÚ ËÌÙÓχˆËÓÌÌ˚È ÏÂÏÓ-‡Ì‰ÛÏ ÔÓ Í‰ËÚÛ. ŇÌÍ ‚Ô‡‚ ÔÓÚ·ӂ‡Ú¸ ÓÚ Í‰ËÚÓÔÓÎÛ-˜‡ÚÂÎfl ‰ÓÔÓÎÌËÚÂθÌÛ˛ ËÌÙÓχˆË˛, ÌÂÓ·ıÓ‰ËÏÛ˛ ‰Îfl ÔËÌfl-ÚËfl ¯ÂÌËfl Ó ‚ÓÁÏÓÊÌÓÒÚË Ô‰ÓÒÚ‡‚ÎÂÌËfl ͉ËÚ‡, ‡ Ú‡ÍÊÂËÒÔÓθÁÓ‚‡Ú¸ χÚ¡Î˚ ËÁ ‚̯ÌËı ËÒÚÓ˜ÌËÍÓ‚. ä‰ËÚÓÔÓÎÛ-˜‡ÚÂθ ÌÂÒÂÚ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ Á‡ ‰ÓÒÚÓ‚ÂÌÓÒÚ¸ ËÌÙÓχˆËË,Ô‰ÓÒÚ‡‚ÎflÂÏÓÈ ·‡ÌÍÛ ‰Îfl ÓÙÓÏÎÂÌËfl ͉ËÚ‡.

12. àÌÙÓχˆËÓÌÌ˚È ÏÂÏӇ̉ÛÏ ÒÓ‰ÂÊËÚ ÓÒÌÓ‚ÌÛ˛ ˝ÍÓ-ÌÓÏ˘ÂÒÍÛ˛, ÙË̇ÌÒÓ‚Û˛, ÍÓÏϘÂÒÍÛ˛ Ë ÚÂıÌÓÎӄ˘ÂÒÍÛ˛ËÌÙÓχˆË˛ Ó Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂ Ë Í‰ËÚÛÂÏÓÏ ÔÓÂÍÚÂ, ‡Ú‡ÍÊÂ Ó Ô‰ÔÓ·„‡ÂÏ˚ı ÛÒÎÓ‚Ëflı ͉ËÚÓ‚‡ÌËfl. àÌÙÓχˆË-ÓÌÌ˚È ÏÂÏӇ̉ÛÏ ÔÓ‰ÔËÒ˚‚‡ÂÚÒfl ÛÔÓÎÌÓÏÓ˜ÂÌÌ˚ÏË ‰ÓÎÊÌÓ-ÒÚÌ˚ÏË Îˈ‡ÏË ·‡Ì͇.

13. èÓ‰„ÓÚÓ‚ÎÂÌÌ˚È ËÌÙÓχˆËÓÌÌ˚È ÏÂÏӇ̉ÛÏ Ì‡Ô‡‚-ÎflÂÚÒfl ÔÓÚÂ̈ˇθÌ˚Ï ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï ‰Îfl ÔËÌflÚËfl ËÏ˯ÂÌËfl Ó· Û˜‡ÒÚËË ‚ ͉ËÚÓ‚‡ÌËË Ì‡ ÍÓÌÒӈˇθÌÓÈ ÓÒÌÓ‚Â.

àÌÙÓχˆËÓÌÌ˚È ÏÂÏӇ̉ÛÏ Ì fl‚ÎflÂÚÒfl Ó·˘Â‰ÓÒÚÛÔÌ˚ÏË Ô‰ÓÒÚ‡‚ÎflÂÚÒfl ÔÓÚÂ̈ˇθÌ˚Ï ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï Ì‡ ÛÒÎÓ-‚Ëflı ÍÓÌÙˉÂ̈ˇθÌÓÒÚË.

14. ä‡Ê‰˚È ÔÓÚÂ̈ˇθÌ˚È ·‡ÌÍ-Û˜‡ÒÚÌËÍ Ò‡ÏÓÒÚÓflÚÂθÌӇ̇ÎËÁËÛÂÚ ÔÓÎÛ˜ÂÌÌÛ˛ ËÌÙÓχˆË˛ Ë ÔËÌËχÂÚ Â¯ÂÌË ÓÒ‚ÓÂÏ Û˜‡ÒÚËË (ÌÂÛ˜‡ÒÚËË) ‚ ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÓ‚‡ÌËË. èËÒӄ·ÒËË ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ Ó· Û˜‡ÒÚËË ‚ ÍÓÌÒӈˇθÌÓÏ ÍÂ-‰ËÚÓ‚‡ÌËË ÏÂÊ‰Û ÌËÏË Á‡Íβ˜‡ÂÚÒfl ‰Ó„Ó‚Ó Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰Âfl-ÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡, ÓÔ‰ÂÎflÂÚÒfl ·‡ÌÍ-‡„ÂÌÚ Ë Â„Ó ÔÓÎÌÓÏÓ˜Ëfl ÔÓ Ó·ÒÎÛÊË‚‡Ì˲ ͉ËÚ‡ (ÔËÏÂ̇flÙÓχ ‰Ó„Ó‚Ó‡ Ô˂‰Â̇ ‚ ÔËÎÓÊÂÌËË 1 Í Ì‡ÒÚÓfl˘ËÏ êÂÍÓ-ÏẨ‡ˆËflÏ).

15. èÓÒΠÔÓ‰ÔËÒ‡ÌËfl ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË ‰Ó„Ó‚Ó‡ ÓÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡ ·‡ÌÍ,ÔÓ‰„ÓÚÓ‚Ë‚¯ËÈ ËÌÙÓχˆËÓÌÌ˚È ÏÂÏӇ̉ÛÏ, Ô‰‡ÂÚ ·‡ÌÍÛ-‡„ÂÌÚÛ ‚Ò˛ Ëϲ˘Û˛Òfl ‰ÓÍÛÏÂÌÚ‡ˆË˛ ÔÓ Í‰ËÚÓÔÓÎÛ˜‡ÚÂβ Ë͉ËÚÛÂÏÓÏÛ ÔÓÂÍÚÛ.

ŇÌÍ-‡„ÂÌÚ Ì‡ ÓÒÌÓ‚Â Ô‰‡ÌÌÓ„Ó ÂÏÛ Ô‡ÍÂÚ‡ ‰ÓÍÛÏÂÌÚÓ‚ÔÓ Í‰ËÚÓÔÓÎÛ˜‡ÚÂβ Ë Ò Û˜ÂÚÓÏ ÛÒÎÓ‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÒÓ‚ÏÂÒÚ-ÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡, Á‡Íβ˜ÂÌÌÓ„ÓÏÂÊ‰Û ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË, Á‡Íβ˜‡ÂÚ Ò Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ‰Ó„Ó‚Ó Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ Ë ‰Ó„Ó‚Ó Ó· Ó·ÂÒÔ˜ÂÌËËËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚.

Ç ‰Ó„Ó‚ÓÂ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚ ‚ ͇˜ÂÒڂ ͉ËÚÓ-‰‡ÚÂÎfl ‚˚ÒÚÛÔ‡ÂÚ ·‡ÌÍ-‡„ÂÌÚ, ‰ÂÈÒÚ‚Û˛˘ËÈ ÓÚ ËÏÂÌË Ë ‚ ËÌÚÂ-ÂÒ‡ı ‚ÒÂı ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ (ÔËÏÂ̇fl ÙÓχ ‰Ó„Ó‚Ó‡ ÔË-‚‰Â̇ ‚ ÔËÎÓÊÂÌËË 2 Í Ì‡ÒÚÓfl˘ËÏ êÂÍÓÏẨ‡ˆËflÏ).

16. ŇÌÍ-‡„ÂÌÚ Ô‰ÒÚ‡‚ÎflÂÚ Í‡Ê‰ÓÏÛ ·‡ÌÍÛ-Û˜‡ÒÚÌËÍÛ Á‡-‚ÂÂÌÌ˚ ËÏ ÍÓÔËË ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ Ë ‰Ó„Ó-

58 Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

‚Ó‡ Ó· Ó·ÂÒÔ˜ÂÌËË ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚, ‡ Ú‡ÍÊ ÍÓÔËˉÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ Í ÌËÏ, ÍÓÚÓ˚ ÏÓ„ÛÚ ·˚Ú¸ Á‡Íβ-˜ÂÌ˚ ‚ ·Û‰Û˘ÂÏ.

17. ŇÌÍ-‡„ÂÌÚ Ó·ÂÒÔ˜˂‡ÂÚ ‡ÍÍÛÏÛÎflˆË˛ ‰ÂÌÂÊÌ˚ıÒ‰ÒÚ‚ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚, ÓÒÛ˘ÂÒÚ‚ÎflÂÚ ‚˚‰‡˜Û ͉Ëڇ͉ËÚÓÔÓÎÛ˜‡ÚÂβ, Ó·ÂÒÔ˜˂‡ÂÚ ÚÂıÌ˘ÂÒÍÓ ӷÒÎÛÊË‚‡ÌËÂ͉ËÚ‡, ÍÓÌÚÓθ Á‡ ‚˚ÔÓÎÌÂÌËÂÏ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ ÛÒÎÓ-‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, ‚ÓÁ‚‡Ú ͉ËÚÌ˚ıÂÒÛÒÓ‚ ·‡Ì͇Ï-Û˜‡ÒÚÌË͇Ï, Ô˜ËÒÎÂÌË ËÏ ÔÓˆÂÌÚÓ‚ Á‡Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ ÂÒÛÒ˚.

18. èË ÌÂÓ·ıÓ‰ËÏÓÒÚË Û‚Â΢ÂÌËfl ‡Áχ ÍÓÌÒӈˇθÌÓ-„Ó Í‰ËÚ‡ ͉ËÚÓÔÓÎÛ˜‡ÚÂθ ‚Ô‡‚ ӷ‡ÚËÚ¸Òfl ‚ ·‡ÌÍ-‡„ÂÌÚÒ ıÓ‰‡Ú‡ÈÒÚ‚ÓÏ ÔÓ ‰‡ÌÌÓÏÛ ‚ÓÔÓÒÛ.

ê¯ÂÌË ӷ ËÁÏÂÌÂÌËË ‡Áχ ͉ËÚ‡, ÒÔÓÒÓ·‡ Ë ‡ÁχӷÂÒÔ˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Í‰ËÚÛ, ÒÓÍÓ‚ ÔÓθÁÓ-‚‡ÌËfl ͉ËÚÓÏ, ‡Áχ ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ ÔËÌËχ-ÂÚÒfl ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË ÔÓ Ó·˘ÂÏÛ Òӄ·Ò˲, ÔÓÒΠ˜Â„Ó ·‡ÌÍ-‡„ÂÌÚ ‚ÌÓÒËÚ ËÁÏÂÌÂÌËfl ‚ Á‡Íβ˜ÂÌÌ˚Â Ò Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂωӄӂÓ˚ ÔÛÚÂÏ ÔÓ‰ÔËÒ‡ÌËfl ‰ÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ Í ÌËÏ.

19. àÁÏÂÌÂÌË ÍÛ„‡ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÔÓËÁ‚Ó‰ËÚÒfl ÔÓ Ëı¯ÂÌ˲ Ò ÓÙÓÏÎÂÌËÂÏ ‰ÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ Í ‰Ó„Ó‚Ó-Û Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡ Ë ÒÓ-ÓÚ‚ÂÚÒÚ‚Û˛˘ËÏ ‰Ó„Ó‚Ó‡Ï, Á‡Íβ˜ÂÌÌ˚Ï Ò Í‰ËÚÓÔÓÎÛ˜‡ÚÂ-ÎÂÏ, ‡ Ú‡ÍÊ ‚ ËÌ˚ı ÒÎÛ˜‡flı, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ı Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏêÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

É·‚‡ 3éÒÓ·ÂÌÌÓÒÚË ‚˚‰‡˜Ë Ë ÔÓ„‡¯ÂÌËfl ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡20. Ç˚‰‡˜‡ ͉ËÚ‡, ÍÓÌÚÓθ Á‡ ‚˚ÔÓÎÌÂÌËÂÏ ÛÒÎÓ‚ËÈ ‰Ó-

„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, ‰Ó„Ó‚Ó‡ Ó· Ó·ÂÒÔ˜ÂÌËË ËÒ-ÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Í‰ËÚÛ ÔÓËÁ‚Ó‰flÚÒfl ‚ ÔÓfl‰ÍÂ,Ô‰ÛÒÏÓÚÂÌÌÓÏ è‡‚Ë·ÏË Ë Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍËÅ·ÛÒ¸ Ò Û˜ÂÚÓÏ ÒÎÂ‰Û˛˘Ëı ÓÒÓ·ÂÌÌÓÒÚÂÈ.

21. ä‡Ê‰˚È ·‡ÌÍ — Û˜‡ÒÚÌËÍ ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËflÔË ‡Ò˜ÂÚ ˝ÍÓÌÓÏ˘ÂÒÍËı ÌÓχÚË‚Ó‚, ÙÓÏËÓ‚‡ÌËË Ë ËÒ-ÔÓθÁÓ‚‡ÌËË ÒÔˆˇθÌÓ„Ó ÂÁ‚‡ ̇ ÔÓÍ˚ÚË ‚ÓÁÏÓÊÌ˚ıÛ·˚ÚÍÓ‚ ÔÓ ‡ÍÚË‚‡Ï, ÔÓ‰‚ÂÊÂÌÌ˚Ï Í‰ËÚÌÓÏÛ ËÒÍÛ, ‚ ÔÓfl‰-ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸,Û˜ËÚ˚‚‡ÂÚ Ò‚Ó˛ ‰Óβ Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı ËÏ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚,Ô˘ËÚ‡˛˘ËıÒfl ‰ÓıÓ‰Ó‚ Ë ‚˚Ô·Ú, ‡ Ú‡ÍÊ ÔËÌflÚ˚ ӷflÁ‡-ÚÂθÒÚ‚‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ‰Ó„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒ-ÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

22. ŇÌÍË-Û˜‡ÒÚÌËÍË Ô‰ÓÒÚ‡‚Îfl˛Ú ‰ÂÌÂÊÌ˚ Ò‰ÒÚ‚‡·‡ÌÍÛ-‡„ÂÌÚÛ ‚ ‡ÁÏÂÂ Ë ÒÓÍË, ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚ ‰Ó„Ó‚ÓÓÏ ÓÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡. чÚÓÈÔ‰ÓÒÚ‡‚ÎÂÌËfl ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ·‡ÌÍÛ-‡„ÂÌÚÛ Ò˜ËÚ‡ÂÚÒfl ‰‡-Ú‡ Ëı ÔÓÒÚÛÔÎÂÌËfl ̇ ÍÓÂÒÔÓ̉ÂÌÚÒÍËÈ Ò˜ÂÚ ·‡Ì͇-‡„ÂÌÚ‡.

ŇÌÍË-Û˜‡ÒÚÌËÍË ‚Ô‡‚ Ú·ӂ‡Ú¸ ÓÚ ·‡Ì͇-‡„ÂÌÚ‡ ÔÓÔÓ-ˆËÓ̇θÌÓ ‰ÓΠۘ‡ÒÚËfl ‚ ÍÓÌÒӈˇθÌÓÏ Í‰ËÚ ‚ÓÁ‚‡Ú‡ ‰Â-ÌÂÊÌ˚ı Ò‰ÒÚ‚, ÔÓÒÚÛÔ‡˛˘Ëı ‚Ó ËÒÔÓÎÌÂÌˠ͉ËÚÓÔÓÎÛ˜‡ÚÂ-ÎÂÏ Ó·flÁ‡ÚÂθÒÚ‚ Ô‰ ·‡ÌÍÓÏ-‡„ÂÌÚÓÏ ÔÓ ÔÓ„‡¯ÂÌ˲ ÓÒÌÓ‚-ÌÓ„Ó ‰Ó΄‡, ÔÓˆÂÌÚÓ‚ Ë ËÌ˚ı ‚˚ÔÎ‡Ú ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌÌÓÏÛ ÍÂ-‰ËÚÛ, ÌÓ Ì ‡Ì ÏÓÏÂÌÚ‡ ÓÒÛ˘ÂÒÚ‚ÎÂÌËfl ͉ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ëı Ô·ÚÂÊÂÈ, ÂÒÎË ËÌÓ Ì Ô‰ÛÒÏÓÚÂÌÓ ‰Ó„Ó-‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

23. ÅÛı„‡ÎÚÂÒÍËÈ Û˜ÂÚ ÓÔ‡ˆËÈ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌ-ÒӈˇθÌÓ„Ó Í‰ËÚ‡ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl Òӄ·ÒÌÓ è‡‚ËÎ‡Ï ‚Â-‰ÂÌËfl ·Ûı„‡ÎÚÂÒÍÓ„Ó Û˜ÂÚ‡ ‚ ·‡Ì͇ı, ‡ÒÔÓÎÓÊÂÌÌ˚ı ̇ ÚÂË-ÚÓËË êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ÛÚ‚ÂʉÂÌÌ˚Ï ÔÓÒÚ‡ÌÓ‚ÎÂÌËÂÏëÓ‚ÂÚ‡ ‰ËÂÍÚÓÓ‚ 燈ËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ÓÚ 22 ÌÓfl·fl 2000 „. ‹ 29.4„.

24. ì˜ÂÚ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚, Ô‰‡ÌÌ˚ı ·‡ÌÍÛ-‡„ÂÌÚÛ ‰ÎflÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl, ÔÓÎÓÌ„ËÓ‚‡ÌÌÓÈ Ë ÔÓÒÓ˜ÂÌ-ÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË, ̇‡˘ÂÌÌ˚ı Ë ÔÓÒÓ˜ÂÌÌ˚ı ÔÓˆÂÌÚÓ‚ ÓÒÛ-˘ÂÒÚ‚ÎflÂÚÒfl ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË Ì‡ ·‡Î‡ÌÒÓ‚˚ı Ò˜ÂÚ‡ı „ÛÔÔ:153 “ä‰ËÚ˚, Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ ‰Û„ËÏ ·‡Ì͇ϔ, 156 “èÓÎÓÌ„Ë-Ó‚‡Ì̇fl Á‡‰ÓÎÊÂÌÌÓÒÚ¸ ÔÓ ÓÒÌÓ‚ÌÓÏÛ ‰Ó΄۔, 157 “燇˘ÂÌÌ˚ÂÔÓˆÂÌÚ˚ Í ÔÓÎÛ˜ÂÌ˲ ÔÓ Ò‰ÒÚ‚‡Ï ‚ ‰Û„Ëı ·‡Ì͇ı”, 158 “èÓ-ÒÓ˜ÂÌ̇fl Á‡‰ÓÎÊÂÌÌÓÒÚ¸ ÔÓ ÓÒÌÓ‚ÌÓÏÛ ‰Ó΄۔, 159 “èÓÒÓ˜ÂÌ-Ì˚ ÔÓˆÂÌÚ˚ ÔÓ Ò‰ÒÚ‚‡Ï ‚ ‰Û„Ëı ·‡Ì͇ı” ÒÓÓÚ‚ÂÚÒÚ‚ÂÌÌÓ.

ì˜ÂÚ ÒÓÏÌËÚÂθÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË Ë ÂÁ‚ӂ ̇ ÔÓÍ˚ÚË‚ÓÁÏÓÊÌ˚ı Û·˚ÚÍÓ‚ ÔÓ ‡ÍÚË‚‡Ï ·‡Ì͇, ÔÓ‰‚ÂÊÂÌÌ˚Ï Í‰ËÚ-ÌÓÏÛ ËÒÍÛ, ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌÌ˚Ï ‰ÂÌÂÊÌ˚Ï Ò‰ÒÚ‚‡Ï ‚ ·‡Ì-͇ı-Û˜‡ÒÚÌË͇ı ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ̇ ·‡Î‡ÌÒÓ‚˚ı Ò˜ÂÚ‡ı 1983“ëÓÏÌËÚÂθ̇fl Á‡‰ÓÎÊÂÌÌÓÒÚ¸ ÔÓ Í‰ËÚ‡Ï, Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ωۄËÏ ·‡Ì͇ϔ Ë 1993 “êÂÁ‚ ÔÓ‰ ÒÓÏÌËÚÂθÌÛ˛ Á‡‰ÓÎÊÂÌ-ÌÓÒÚ¸ ÔÓ Í‰ËÚ‡Ï, Ô‰ÓÒÚ‡‚ÎÂÌÌ˚Ï ‰Û„ËÏ ·‡Ì͇ϔ.

ì˜ÂÚ Ó·flÁ‡ÚÂθÒÚ‚ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ·‡ÌÍÛ-‡„ÂÌÚÛ ‚ ԉ·ı Ëı ‰ÓÎË ‚ ÒÓÓÚ‚ÂÚ-ÒÚ‚ËË Ò ‰Ó„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂ-Ì˲ ͉ËÚ‡ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓ ‚Ì·‡Î‡ÌÒÓ‚ÓÏÛ Ò˜ÂÚÛ 99110“é·flÁ‡ÚÂθÒÚ‚‡ ÔÓ ÓÚ‰ÂθÌ˚Ï ‚ˉ‡Ï ÙË̇ÌÒËÓ‚‡ÌËfl, ‚˚‰‡Ì-Ì˚ ·‡Ì͇ϔ, ‡ ‚ ·‡ÌÍÂ-‡„ÂÌÚ — ÔÓ ‚Ì·‡Î‡ÌÒÓ‚ÓÏÛ Ò˜ÂÚÛ99130 “é·flÁ‡ÚÂθÒÚ‚‡ ÔÓ ÓÚ‰ÂθÌ˚Ï ‚ˉ‡Ï ÙË̇ÌÒËÓ‚‡ÌËfl,ÔÓÎÛ˜ÂÌÌ˚ ÓÚ ·‡ÌÍÓ‚”.

25. ÑÂÌÂÊÌ˚ Ò‰ÒÚ‚‡ ·‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ Óڇʇ˛ÚÒfl·‡ÌÍÓÏ-‡„ÂÌÚÓÏ Ì‡ ·‡Î‡ÌÒÓ‚˚ı Ò˜ÂÚ‡ı „ÛÔÔ: 173 “ä‰ËÚ˚, ÔÓ-ÎÛ˜ÂÌÌ˚ ÓÚ ‰Û„Ëı ·‡ÌÍÓ‚”, 176 “èÓÎÓÌ„ËÓ‚‡Ì̇fl Á‡‰ÓÎÊÂÌ-ÌÓÒÚ¸ ÔÓ ÔÓÎÛ˜ÂÌÌ˚Ï Ò‰ÒÚ‚‡Ï”, 177 “燇˘ÂÌÌ˚ ÔÓˆÂÌÚ˚ Í‚˚Ô·Ú ÔÓ Ò˜ÂÚ‡Ï ‰Û„Ëı ·‡ÌÍÓ‚”, 178 “èÓÒÓ˜ÂÌ̇fl Á‡‰ÓÎ-ÊÂÌÌÓÒÚ¸ ÔÓ ÔÓÎÛ˜ÂÌÌ˚Ï Ò‰ÒÚ‚‡Ï” ÒÓÓÚ‚ÂÚÒÚ‚ÂÌÌÓ.

ì˜ÂÚ Ó·flÁ‡ÚÂθÒÚ‚ ·‡Ì͇-‡„ÂÌÚ‡ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉Ë-Ú‡ ͉ËÚÓÔÓÎÛ˜‡ÚÂβ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ÔÓ ‚Ì·‡Î‡ÌÒÓ‚ÓÏÛ Ò˜Â-ÚÛ 99159 “èӘˠӷflÁ‡ÚÂθÒÚ‚‡ ÔÓ ‚˚‰‡˜Â ͉ËÚÓ‚ ÍÎËÂÌڇϔ.

ì˜ÂÚ Ô‰ÏÂÚ‡ Á‡ÎÓ„‡, fl‚Îfl˛˘Â„ÓÒfl Ó·ÂÒÔ˜ÂÌËÂÏ ËÒÔÓÎÌÂ-ÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Ô‰ÓÒÚ‡‚ÎflÂÏÓÏÛ ÍÓÌÒӈˇθÌÓÏÛ ÍÂ-‰ËÚÛ, „‡‡ÌÚËÈ Ë ÔÓÛ˜ËÚÂθÒÚ‚ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ·‡ÌÍÓÏ-‡„ÂÌ-ÚÓÏ Ì‡ ‚Ì·‡Î‡ÌÒÓ‚˚ı Ò˜ÂÚ‡ı 9955ï “á‡ÎÓ„“ Ë (ËÎË) 99034 “ɇ-‡ÌÚËË Ë ÔÓÛ˜ËÚÂθÒÚ‚‡ ÔÓ Í‰ËÚÌ˚Ï ÓÔ‡ˆËflÏ”.

26. ì˜ÂÚ ÓÔ‡ˆËÈ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚÓÔÓÎÛ˜‡ÚÂβÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡ ÓÒÛ˘ÂÒÚ‚ÎflÂÚÒfl ·‡ÌÍÓÏ-‡„ÂÌÚÓÏ Ì‡ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ëı ·‡Î‡ÌÒÓ‚˚ı Ò˜ÂÚ‡ı ‚ÚÓÓ„Ó Í·ÒÒ‡ “ä‰ËÚ-Ì˚ ÓÔ‡ˆËË Ò ÍÎËÂÌÚ‡ÏË”.

燘ËÒÎÂÌËÂ Ë Û˜ÂÚ ÔÓˆÂÌÚÓ‚ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌÌ˚Ï ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË ‰ÂÌÂÊÌ˚Ï Ò‰ÒÚ‚‡Ï, ‚˚‰‡ÌÌÓÏÛ Í‰ËÚÓÔÓÎÛ˜‡-ÚÂβ ÍÓÌÒӈˇθÌÓÏÛ Í‰ËÚÛ ÔÓËÁ‚Ó‰flÚÒfl ·‡ÌÍÓÏ-‡„ÂÌÚÓÏ ‚ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

27. ÇÓÁ‚‡Ú ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı ËÏË ‰Â-ÌÂÊÌ˚ı Ò‰ÒÚ‚ ‰Îfl ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl, Ô˜ËÒÎÂ-ÌË ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏË, ËÌ˚ı ‚˚Ô·Ú, Ô‰ÛÒÏÓÚÂÌ-Ì˚ı ÛÒÎÓ‚ËflÏË ‰Ó„Ó‚Ó‡ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰Ó-ÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡, ÔÓËÁ‚Ó‰flÚÒfl ·‡ÌÍÓÏ-‡„ÂÌÚÓÏ Ì ÔÓÁ‰Ì‰Ìfl ÔÓÎÛ˜ÂÌËfl ÓÚ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ëı Ô·ÚÂ-ÊÂÈ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌÌÓÏÛ Í‰ËÚÛ, ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ ‰Ó-„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

28. Ç ÒÎÛ˜‡Â ÌÂËÒÔÓÎÌÂÌËfl ͉ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Ò‚ÓËı Ó·fl-Á‡ÚÂθÒÚ‚ ÔÓ ‰Ó„Ó‚ÓÛ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚ ‚ ÔÓÎÌÓÏ Ó·˙-ÂÏ Ô˜ËÒÎÂÌË ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı ËÏˉÂÌÂÊÌ˚ı Ò‰ÒÚ‚, ÔÓˆÂÌÚÓ‚ Ë ËÌ˚ı ‚˚ÔÎ‡Ú ÔÓËÁ‚Ó‰ËÚÒfl ·‡Ì-ÍÓÏ-‡„ÂÌÚÓÏ ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡ÒÚËfl ‚ ÍÓÌÒӈˇθ-ÌÓÏ Í‰ËÚÂ, ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ ‰Ó„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓȉÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

29. èË Ó·‡ÁÓ‚‡ÌËË ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ ÍÂ-‰ËÚÛ ·‡ÌÍ-‡„ÂÌÚ ÓÚÌÓÒËÚ ÒÛÏÏÛ ÌÂÔÓ„‡¯ÂÌÌÓ„Ó ÓÒÌÓ‚ÌÓ„Ó ‰Ó΄‡Ì‡ Ò˜ÂÚ ÔÓÒÓ˜ÂÌÌ˚ı ͉ËÚÓ‚ ‚ ÔÓfl‰ÍÂ, Ô‰ÛÒÏÓÚÂÌÌÓÏ臂Ë·ÏË. ëÛÏÏ˚ Ì ‚ÓÁ‚‡˘ÂÌÌ˚ı ·‡ÌÍÓÏ-‡„ÂÌÚÓÏ ‰ÂÌÂÊÌ˚ıÒ‰ÒÚ‚, Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı ‰Îfl ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl,·‡ÌÍË-Û˜‡ÒÚÌËÍË ÓÚÌÓÒflÚ Ì‡ Ò˜ÂÚ ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË̇ ÒÎÂ‰Û˛˘ËÈ ‡·Ó˜ËÈ ‰Â̸ ÔÓÒΠ̇ÒÚÛÔÎÂÌËfl ÛÒÚ‡ÌÓ‚ÎÂÌÌÓ„Ó‰Ó„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÂ-‰ËÚ‡ ÒÓ͇ ‚ÓÁ‚‡Ú‡ ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚.

30. èË ÔÓ„‡¯ÂÌËË Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎ-ÊÂÌÌÓÒÚË ÔÓ Í‰ËÚÛ ·‡ÌÍ-‡„ÂÌÚ ÔÓËÁ‚Ó‰ËÚ ‚ÓÁ‚‡Ú ·‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı ËÏË ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ Ì ÔÓÁ‰Ì‰Ìfl ÔÓÎÛ˜ÂÌËfl ÓÚ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ëı Ô·ÚÂÊÂÈÔÓ Ô‰ÓÒÚ‡‚ÎÂÌÌÓÏÛ Í‰ËÚÛ, ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ ‰Ó„Ó‚Ó-ÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡.

31. ÑÓ„Ó‚ÓÌ˚ ÓÚÌÓ¯ÂÌËfl ÏÂÊ‰Û ·‡Ì͇ÏË-Û˜‡ÒÚÌË͇ÏË ÔÓÔ‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡ ÔÂ͇˘‡˛ÚÒfl ‚ ÔÓ-fl‰ÍÂ Ë ÔÓ ÓÒÌÓ‚‡ÌËflÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂ-ÒÔÛ·ÎËÍË Å·ÛÒ¸.

ÑËÂÍÚÓ ÑÂÔ‡Ú‡ÏÂÌÚ‡ „ÛÎËÓ‚‡ÌËfl Û˜ÂÚ‡, ‡Ò˜ÂÚÓ‚ Ë Í‰ËÚÌÓ-ÙË̇ÌÒÓ‚˚ı ËÌÒÚÛÏÂÌÚÓ‚ íí..àà.. èèÓÓÎ΄„ÓÓ¯̄ÍÍÓÓ

59Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

èËÎÓÊÂÌË 1Í êÂÍÓÏẨ‡ˆËflÏ Ó ÔÓfl‰Í ӄ‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl

ÑÓ„Ó‚ÓÓ ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡

(ÔËÏÂ̇fl ÙÓχ)

“_____” _________200 „. „. åËÌÒÍ

__________________________________________________________________________________________________________________________, (̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇-Û˜‡ÒÚÌË͇ ‹ 1)

‚ ÎˈÂ____________________________________________________________________________________________________________________,(‰ÓÎÊÌÓÒÚ¸, Ù‡ÏËÎËfl, ËÏfl, ÓÚ˜ÂÒÚ‚Ó ÛÍÓ‚Ó‰ËÚÂÎfl)

‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË _______________________________________________________________________________________________;(̇Á‚‡ÌËÂ, ‰‡Ú‡, ÌÓÏ ‰ÓÍÛÏÂÌÚ‡)

__________________________________________________________________________________________________________________________, (̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇-Û˜‡ÒÚÌË͇ ‹ 2)

‚ ÎˈÂ____________________________________________________________________________________________________________________,(‰ÓÎÊÌÓÒÚ¸, Ù‡ÏËÎËfl, ËÏfl, ÓÚ˜ÂÒÚ‚Ó ÛÍÓ‚Ó‰ËÚÂÎfl)

‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË _______________________________________________________________________________________________;(̇Á‚‡ÌËÂ, ‰‡Ú‡, ÌÓÏ ‰ÓÍÛÏÂÌÚ‡)

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . __________________________________________________________________________________________________________________________,

(̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇-Û˜‡ÒÚÌË͇ ‹ N)‚ ÎˈÂ____________________________________________________________________________________________________________________,

(‰ÓÎÊÌÓÒÚ¸, Ù‡ÏËÎËfl, ËÏfl, ÓÚ˜ÂÒÚ‚Ó ÛÍÓ‚Ó‰ËÚÂÎfl)‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË _______________________________________________________________________________________________;

(̇Á‚‡ÌËÂ, ‰‡Ú‡, ÌÓÏ ‰ÓÍÛÏÂÌÚ‡)ËÏÂÌÛÂÏ˚ ‚ ‰‡Î¸ÌÂȯÂÏ “ŇÌÍË-Û˜‡ÒÚÌËÍË” (‰‡Î — ëÚÓÓÌ˚), Á‡Íβ˜ËÎË Ì‡ÒÚÓfl˘ËÈ ÑÓ„Ó‚Ó Ó ÌËÊÂÒÎÂ‰Û˛˘ÂÏ.

1. è‰ÏÂÚ Ë ˆÂθ ÑÓ„Ó‚Ó‡

1.1. è‰ÏÂÚÓÏ Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ fl‚Îfl˛ÚÒfl ÒÓ‚ÏÂÒÚÌ˚ ‰ÂÈÒÚ‚Ëfl ëÚÓÓÌ ·ÂÁ Ó·‡ÁÓ‚‡ÌËfl ˛Ë‰Ë˜ÂÒÍÓ„Ó Îˈ‡ ÔÓ ÒÓ‰ËÌÂÌ˲͉ËÚÌ˚ı ÂÒÛÒÓ‚ ‚ ˆÂÎflı Ô‰ÓÒÚ‡‚ÎÂÌËfl ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡ __________________________________________________________,

(̇ËÏÂÌÓ‚‡ÌË ˛Ë‰Ë˜ÂÒÍÓ„Ó Îˈ‡)ËÏÂÌÛÂÏÓ„Ó ‚ ‰‡Î¸ÌÂȯÂÏ “ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ”, ‚ ÒÛÏÏ ________________________________________________________________________

(ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛)̇ ÒÓÍ ______________________________________________________ ‰Îfl _____________________________________________________________

(Û͇Á˚‚‡ÂÚÒfl ÒÓÍ Í‰ËÚÓ‚‡ÌËfl) (Û͇Á˚‚‡ÂÚÒfl ˆÂθ ͉ËÚ‡)________________________________________________________________________________

(ÒÔÓÒÓ· Ó·ÂÒÔ˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Í‰ËÚÛ)

1.2. ÑÓÎfl Í‡Ê‰Ó„Ó ËÁ ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÒÓÒÚ‡‚ÎflÂÚ:

ç‡ËÏÂÌÓ‚‡ÌË ëÛÏχ Ô‰ÓÒÚ‡‚ÎflÂÏ˚ı ÑÓÎfl ŇÌ͇-Û˜‡ÒÚÌË͇ ‚ ëÓÍ Ë ÒÛÏχ Ô‰ÓÒÚ‡‚ÎÂÌËflŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ͉ËÚÌ˚ı ÂÒÛÒÓ‚ Ó·˙ÂÏ Ô‰ÓÒÚ‡‚ÎflÂÏÓ„Ó Í‰ËÚÌ˚ı ÂÒÛÒÓ‚

͉ËÚ‡ (‚ ÔÓˆÂÌÚ‡ı)

àÚÓ„Ó 100

2. ljÂÌË ӷ˘Ëı ‰ÂÎ ëÚÓÓÌ

2.1. ÑÎfl ‚‰ÂÌËfl Ó·˘Ëı ‰ÂÎ ëÚÓÓÌ˚ ÛÔÓÎÌÓÏӘ˂‡˛Ú _______________________________________________________________________(̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇-Û˜‡ÒÚÌË͇)

̇ ‚˚ÔÓÎÌÂÌË ÙÛÌ͈ËÈ Å‡Ì͇-‡„ÂÌÚ‡ (‰‡Î — ŇÌÍ-‡„ÂÌÚ). 2.2. ŇÌÍ-‡„ÂÌÚ ‰ÂÈÒÚ‚ÛÂÚ ÓÚ ËÏÂÌË Ë ‚ ËÌÚÂÂÒ‡ı ‚ÒÂı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ̇ ÓÒÌÓ‚‡ÌËË ______________________________________

___________________________________________________________________. (̇ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ Ë (ËÎË) ‰Ó‚ÂÂÌÌÓÒÚË)

2.3. ÑÓıÓ‰˚, ÔÓÎÛ˜‡ÂÏ˚ ‚ ÂÁÛθڇÚ ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ëÚÓÓÌ ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡, ‡ÒÔÂ-‰ÂÎfl˛ÚÒfl ÏÂÊ‰Û ëÚÓÓ̇ÏË ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡ÒÚËfl ‚ ͉ËÚÂ.

2.4. ëÚÓÓÌ˚ ÌÂÒÛÚ ‡ÒıÓ‰˚ Ë ‚ÓÁÏ¢‡˛Ú Û·˚ÚÍË, Ò‚flÁ‡ÌÌ˚Â Ò ‚˚‰‡˜ÂÈ ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡, ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡-ÒÚËfl ‚ ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ.

2.5. ëÚÓÓÌ˚ ËÏÂ˛Ú ‡‚Ì˚ ԇ‚‡ ‚ ‡ÒÔ‰ÂÎÂÌËË ‚ÓÁ‚‡˘‡ÂÏ˚ı ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Í‰ËÚÌ˚ı ÂÒÛÒÓ‚, Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ı‰Îfl ÒÓ‚ÏÂÒÚÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl, ‚ ÔÓÎÛ˜ÂÌËË ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÌ˚ÏË ÂÒÛÒ‡ÏË, ËÌ˚ı Ô·ÚÂÊÂÈ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó-‚ÓÛ.

2.6. ëÚÓÓÌ˚ ÒÓ‚ÏÂÒÚÌÓ Â¯‡˛Ú ÔÓ Ó·˘ÂÏÛ Òӄ·Ò˲ ‚ÓÔÓÒ˚ ËÁÏÂÌÂÌËfl ÛÒÎÓ‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ.

60 Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

3. é·flÁ‡ÌÌÓÒÚË ëÚÓÓÌ3.1. ŇÌÍ-‡„ÂÌÚ Ó·flÁÛÂÚÒfl:3.1.1. ‰ÂÈÒÚ‚Ó‚‡Ú¸ ÓÚ ËÏÂÌË Ë ‚ ËÌÚÂÂÒ‡ı ëÚÓÓÌ; 3.1.2. Á‡Íβ˜ËÚ¸ Ò ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë Ì‡ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ ‰Ó-

„Ó‚Ó Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, ‰Ó„Ó‚Ó, Ó·ÂÒÔ˜˂‡˛˘ËÈ ËÒÔÓÎÌÂÌË ӷflÁ‡ÚÂθÒÚ‚ ÔÓ ‚ÓÁ‚‡ÚÛ Í‰ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ-‚‡ÌË ËÏ;

3.1.3. ‡ÍÍÛÏÛÎËÓ‚‡Ú¸ ̇ Ò‚ÓÂÏ ÍÓÂÒÔÓ̉ÂÌÚÒÍÓÏ Ò˜Âڠ͉ËÚÌ˚ ÂÒÛÒ˚ ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ‰Îfl Ô‰ÓÒÚ‡‚ÎÂÌËfl ä‰ËÚÓ-ÔÓÎÛ˜‡ÚÂβ ͉ËÚ‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÎÓ‚ËflÏË ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ;

3.1.4. Ô‰ÓÒÚ‡‚ËÚ¸ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ͉ËÚ ‚ ‡ÁÏÂÂ Ë ÒÓÍË, Ô‰ÛÒÏÓÚÂÌÌ˚ ̇ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ;3.1.5. ̇˜ËÒÎflÚ¸ Á‡ ÔÓθÁÓ‚‡ÌË ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Í‰ËÚÓÏ ÔÓˆÂÌÚ˚ ËÁ ‡Ò˜ÂÚ‡ ________________ ÔÓˆÂÌÚÓ‚ „Ó‰Ó‚˚ı;3.1.6. ÓÒÛ˘ÂÒÚ‚ÎflÚ¸ ÚÂıÌ˘ÂÒÍÓ ӷÒÎÛÊË‚‡ÌË Ô‰ÓÒÚ‡‚ÎflÂÏÓ„Ó ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ͉ËÚ‡, ÍÓÌÚÓθ Á‡ ‚˚ÔÓÎÌÂÌËÂÏ ÛÒÎÓ-

‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, ˆÂ΂˚Ï ËÒÔÓθÁÓ‚‡ÌËÂÏ Í‰ËÚ‡, ̇΢ËÂÏ Ë ÒÓı‡ÌÌÓÒÚ¸˛ Á‡ÎÓÊÂÌÌÓ„Ó ËÏÛ˘ÂÒÚ‚‡ ‚Ú˜ÂÌË ‚ÒÂ„Ó ÔÂËÓ‰‡ ͉ËÚÓ‚‡ÌËfl;

3.1.7. ‡Ì‡ÎËÁËÓ‚‡Ú¸ ıÓÁflÈÒÚ‚ÂÌÌÓ-ÙË̇ÌÒÓ‚Û˛ ‰ÂflÚÂθÌÓÒÚ¸ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl Ò ÓÒÛ˘ÂÒÚ‚ÎÂÌËÂÏ ÔË ÌÂÓ·ıÓ‰ËÏÓÒÚË ÔÓ‚Â-ÓÍ Ì‡ ÏÂÒÚÂ;

3.1.8. ‚ Ú˜ÂÌË ÚÂı ‡·Ó˜Ëı ‰ÌÂÈ ÔÓÒΠÁ‡Íβ˜ÂÌËfl Ô‰ÓÒÚ‡‚ÎflÚ¸ ŇÌ͇Ï-Û˜‡ÒÚÌËÍ‡Ï Á‡‚ÂÂÌÌ˚ ËÏ ÍÓÔËË ‰Ó„Ó‚Ó‡ Ó ÍÓÌ-ÒӈˇθÌÓÏ Í‰ËÚÂ, ‰Ó„Ó‚Ó‡ Ó· Ó·ÂÒÔ˜ÂÌËË ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Í‰ËÚÛ Ë ‰ÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ Í ÌËÏ, ‡ Ú‡ÍÊ·Ûı„‡ÎÚÂÒÍÛ˛ ÓÚ˜ÂÚÌÓÒÚ¸ Ë ËÌÛ˛ ËÌÙÓχˆË˛ Ó ÙË̇ÌÒÓ‚ÓÏ ÔÓÎÓÊÂÌËË ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, Ò‚Ó‚ÂÏÂÌÌÓÒÚË ËÒÔÓÎÌÂÌËfl ËÏ Ó·fl-Á‡ÚÂθÒÚ‚ ÔÓ ‰Ó„Ó‚ÓÛ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚ (Û͇Á‡Ú¸ ÔÂËӉ˘ÌÓÒÚ¸ Ô‰ÒÚ‡‚ÎÂÌËfl ‰‡ÌÌÓÈ ËÌÙÓχˆËË);

3.1.9. ÓÚ˜ËÚ˚‚‡Ú¸Òfl Ô‰ ŇÌ͇ÏË-Û˜‡ÒÚÌË͇ÏË Ó ‚‰ÂÌËË Ó·˘Ëı ‰ÂÎ, Ô‰ÓÒÚ‡‚ÎflÚ¸ ÔÓ Ëı Ú·ӂ‡Ì˲ ‚ Òӄ·ÒÓ‚‡ÌÌ˚ ÒÓÍˉÎfl ÓÁ̇ÍÓÏÎÂÌËfl χÚ¡Î˚ ÔÓ‚ÂÓÍ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, ÓÒÛ˘ÂÒÚ‚ÎflÂÏ˚ı ‚ ‡Ï͇ı ̇ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡;

3.1.10. Ô˜ËÒÎflÚ¸ ̇ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ë ҘÂÚ‡ ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ÔÓÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡ÒÚËfl ‚ ÍÓÌÒӈˇθÌÓÏ Í‰Ë-Ú Ô˘ËÚ‡˛˘ËÂÒfl ËÏ Ô·ÚÂÊË ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÎÓ‚ËflÏË Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ ‚ ‰Â̸ ÓÒÛ˘ÂÒÚ‚ÎÂÌËfl ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Ô·ÚÂ-ÊÂÈ ÔÓ ÔÓ„‡¯ÂÌ˲ ͉ËÚ‡, ÛÔ·Ú ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ Ë ‰Û„Ëı Ô·ÚÂÊÂÈ, Ô‰ÛÒÏÓÚÂÌÌ˚ı ̇ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ (ËÎËÛ͇Á˚‚‡˛ÚÒfl ‰Û„Ë ÒÓÍË);

3.1.11. Ò‚Ó‚ÂÏÂÌÌÓ ËÁ‚¢‡Ú¸ ‚Ò ŇÌÍË-Û˜‡ÒÚÌËÍË Ó ÌÂÓ·ıÓ‰ËÏÓÒÚË ËÁÏÂÌÂÌËfl ÛÒÎÓ‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ.3.2. ŇÌÍË-Û˜‡ÒÚÌËÍË Ó·flÁÛ˛ÚÒfl Ô‰ÓÒÚ‡‚ÎflÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ Í‰ËÚÌ˚ ÂÒÛÒ˚ ‚ ‡Áχı Ë ‚ ÒÓÍË, Ô‰ÛÒÏÓÚÂÌÌ˚ ̇ÒÚÓ-

fl˘ËÏ ÑÓ„Ó‚ÓÓÏ, ÔÛÚÂÏ Ô˜ËÒÎÂÌËfl Ëı ̇ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÈ ·‡Î‡ÌÒÓ‚˚È Ò˜ÂÚ ·‡Ì͇-‡„ÂÌÚ‡ Ì ÔÓÁ‰Ì ÓÍÓ̘‡ÌËfl ·‡ÌÍÓ‚ÒÍÓ„Ó ‰Ìfl,‚ Ú˜ÂÌË ÍÓÚÓÓ„Ó Å‡ÌÍ-‡„ÂÌÚ Ó·flÁ‡Ì Ô‰ÓÒÚ‡‚ËÚ¸ ͉ËÚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÎÓ‚ËflÏË ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒÓˆË-‡Î¸ÌÓÏ Í‰ËÚÂ, ËÎË ‚ ‰Û„Ë ÒÓÍË (Û͇Á‡Ú¸ ÍÓÌÍÂÚÌÓ).

4. 臂‡ ëÚÓÓÌ4.1. ŇÌÍ-‡„ÂÌÚ ËÏÂÂÚ Ô‡‚Ó:4.1.1. ‰ÂÈÒÚ‚Ó‚‡Ú¸ ÓÚ ËÏÂÌË Ë ‚ ËÌÚÂÂÒ‡ı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ̇ ÓÒÌÓ‚‡ÌËË Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡;4.1.2. Ú·ӂ‡Ú¸ ÓÚ Å‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ‚ÓÁÏ¢ÂÌËfl ÔÓËÁ‚‰ÂÌÌ˚ı Á‡ Ò‚ÓÈ Ò˜ÂÚ ‡ÒıÓ‰Ó‚ ÔÓ ‰ÂÈÒÚ‚ËflÏ, Òӂ¯ÂÌÌ˚Ï ÓÚ Ò‚ÓÂ-

„Ó ËÏÂÌË ‚ ËÌÚÂÂÒ‡ı ‚ÒÂı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚, ÔË ÛÒÎÓ‚ËË Ì‡Î˘Ëfl ‰ÓÒÚ‡ÚÓ˜Ì˚ı ÓÒÌÓ‚‡ÌËÈ, ÔÓ‰Ú‚Âʉ‡˛˘Ëı, ˜ÚÓ ˝ÚË ‰ÂÈÒÚ‚Ëfl ·˚-ÎË ÌÂÓ·ıÓ‰ËÏ˚ ‚ ËÌÚÂÂÒ‡ı ‚ÒÂı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚;

4.1.3. ̇ ÓÒÌÓ‚‡ÌËË ÒÓ‚ÏÂÒÚÌÓ„Ó Â¯ÂÌËfl ‚ÒÂı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ Ô‰ÔËÌËχڸ ‰ÂÈÒÚ‚Ëfl, Ò‚flÁ‡ÌÌ˚Â Ò ËÁÏÂÌÂÌËÂÏ ÛÒÎÓ‚ËȉӄӂӇ Ó Ô‰ÓÒÚ‡‚ÎÂÌËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚ‡.

4.2. ŇÌÍË-Û˜‡ÒÚÌËÍË ËÏÂ˛Ú Ô‡‚Ó:4.2.1. Ú·ӂ‡Ú¸ ‚ÓÁÏ¢ÂÌËfl ‡ÒıÓ‰Ó‚ Ë ÔÓÍ˚ÚËfl Û·˚ÚÍÓ‚, ‰ÓÔÛ˘ÂÌÌ˚ı ÔÓ ‚ËÌ ÍÓÌÍÂÚÌÓ„Ó Å‡Ì͇-Û˜‡ÒÚÌË͇;4.2.2. ÔËÌËχڸ Û˜‡ÒÚË ‚ ‡ÒÔ‰ÂÎÂÌËË ÔÓˆÂÌÚÌ˚ı ‰ÓıÓ‰Ó‚ Ë ËÌ˚ı ‚˚Ô·Ú, ÔÓÎÛ˜‡ÂÏ˚ı ÓÚ Ô‰ÓÒÚ‡‚ÎÂÌËfl ÍÓÌÒӈˇθÌÓ„Ó

͉ËÚ‡;4.2.3. Ú·ӂ‡Ú¸ ÓÚ Å‡Ì͇-‡„ÂÌÚ‡ ÛÔ·Ú˚ ÓÒÌÓ‚ÌÓ„Ó ‰Ó΄‡, ÔÓˆÂÌÚÓ‚ Ë ËÌ˚ı Ô·ÚÂÊÂÈ, ÔÓÒÚÛÔË‚¯Ëı ÓÚ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, ÔÓ-

ÔÓˆËÓ̇θÌÓ ‰ÓΠËı Û˜‡ÒÚËfl ‚ ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ, Ì ‡Ì ÏÓÏÂÌÚ‡ ÓÒÛ˘ÂÒÚ‚ÎÂÌËfl ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËıÔ·ÚÂÊÂÈ ÔÓ Í‰ËÚÛ (ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ Ì‡ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ);

4.2.4. Ú·ӂ‡Ú¸ ÓÚ Å‡Ì͇-‡„ÂÌÚ‡ ÓÚ˜ÂÚ Ó ‚‰ÂÌËË Ó·˘Ëı ‰ÂΠŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚, ÔÓÎÛ˜‡Ú¸ ËÌÙÓχˆË˛ Ó ÙË̇ÌÒÓ‚ÓÏ ÒÓÒÚÓfl-ÌËË ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, Â„Ó ·Ûı„‡ÎÚÂÒÍÛ˛ Ë ÙË̇ÌÒÓ‚Û˛ ÓÚ˜ÂÚÌÓÒÚ¸ Ë ‰Û„Û˛ ËÌÙÓχˆË˛;

4.2.5. Û˜‡ÒÚ‚Ó‚‡Ú¸ ‚ ÔÓ‚Ó‰ËÏ˚ı ŇÌÍÓÏ-‡„ÂÌÚÓÏ ÔÓ‚Â͇ı ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl;4.2.6. ̇ԇ‚ÎflÚ¸ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ò‚ÓËı Ô‰ÒÚ‡‚ËÚÂÎÂÈ ‚ ͇˜ÂÒڂ ̇·Î˛‰‡ÚÂÎÂÈ Á‡

ıÓÁflÈÒÚ‚ÂÌÌÓÈ ‰ÂflÚÂθÌÓÒÚ¸˛ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ‚ ÒÎÛ˜‡Â Ì‚˚ÔÓÎÌÂÌËfl ËÏ ÛÒÎÓ‚ËÈ ‰Ó„Ó‚Ó‡ Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ.

5. éÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ ëÚÓÓÌ5.1. ŇÌÍ-‡„ÂÌÚ:5.1.1. ÌÂÒÂÚ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ Á‡ ÔÓ‰„ÓÚÓ‚ÍÛ ‰ÓÍÛÏÂÌÚ‡ˆËË ÔÓ Í‰ËÚÛ, ‚˚‰‡˜Û ͉ËÚ‡ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ, ‚ÓÁ‚‡Ú ͉ËÚÌ˚ı

ÂÒÛÒÓ‚ ŇÌ͇Ï-Û˜‡ÒÚÌË͇Ï, ÛÔ·ÚÛ ÔÓˆÂÌÚÓ‚ Á‡ Ô‰ÓÒÚ‡‚ÎÂÌÌ˚ ŇÌ͇ÏË-Û˜‡ÒÚÌË͇ÏË Í‰ËÚÌ˚ ÂÒÛÒ˚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò̇ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ;

5.1.2. ÛÔ·˜Ë‚‡ÂÚ Å‡Ì͇Ï-Û˜‡ÒÚÌËÍ‡Ï ÔÂÌ˛ ‚ ‡ÁÏÂÂ______ ÔÓˆÂÌÚÓ‚ ÓÚ ÒÛÏÏ˚ ÌÂÒ‚Ó‚ÂÏÂÌÌÓ Ô˜ËÒÎÂÌÌ˚ı Ò‰ÒÚ‚ Á‡Í‡Ê‰˚È ‰Â̸ ÔÓÒÓ˜ÍË Ô·ÚÂʇ Á‡ ÌÂÒ‚Ó‚ÂÏÂÌÌÓ Ô˜ËÒÎÂÌË ŇÌ͇Ï-Û˜‡ÒÚÌËÍ‡Ï ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚, ÔÓÒÚÛÔË‚¯Ëı ÓÚ ä‰Ë-ÚÓÔÓÎÛ˜‡ÚÂÎfl.

5.2. ŇÌÍË-Û˜‡ÒÚÌËÍË:5.2.1. Óڂ˜‡˛Ú Ô‰ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ ÒÓÎˉ‡ÌÓ ÔÓ ‚ÒÂÏ Ó·˘ËÏ Ó·flÁ‡ÚÂθÒÚ‚‡Ï ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ÍÓÌÒӈˇθÌÓ„Ó ÍÂ-

‰ËÚ‡;5.2.2. Á‡ ÌÂËÒÔÓÎÌÂÌË ËÎË ÌÂ̇‰ÎÂʇ˘Â ËÒÔÓÎÌÂÌË ŇÌÍÓÏ-Û˜‡ÒÚÌËÍÓÏ Ò‚ÓËı Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ ÔÓÒΉ-

ÌËÈ ÛÔ·˜Ë‚‡ÂÚ ‰Û„ËÏ Å‡Ì͇Ï-Û˜‡ÒÚÌË͇Ï, ËÒÔÓÎÌË‚¯ËÏ Â„Ó Ó·flÁ‡ÚÂθÒÚ‚Ó ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚÌ˚ı ÂÒÛÒÓ‚, ÔÂÌ˛ ‚ ‡Á-Ï ______ÔÓˆÂÌÚÓ‚ ÓÚ ÒÛÏÏ˚ ÌÂÒ‚Ó‚ÂÏÂÌÌÓ Ô˜ËÒÎÂÌÌ˚ı (ÌÂÔ‰ÓÒÚ‡‚ÎÂÌÌ˚ı) ÂÒÛÒÓ‚ Á‡ ͇ʉ˚È ‰Â̸ ÔÓÒÓ˜ÍË;

5.2.3. ÌË Ó‰ËÌ ËÁ ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ Ì ‚Ô‡‚ Ô‰ÔËÌËχڸ ͇ÍËı-ÎË·Ó ‰ÂÈÒÚ‚ËÈ ÔÓ ÓÚÌÓ¯ÂÌ˲ Í ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ·ÂÁۂ‰ÓÏÎÂÌËfl ŇÌ͇-‡„ÂÌÚ‡ Ë ‰Û„Ëı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚, ÂÒÎË ËÌÓ Ì ÛÒÚ‡ÌÓ‚ÎÂÌÓ Ì‡ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ.

6. ëÓÍ ‰ÂÈÒÚ‚Ëfl ÑÓ„Ó‚Ó‡6.1. ç‡ÒÚÓfl˘ËÈ ÑÓ„Ó‚Ó ‚ÒÚÛÔ‡ÂÚ ‚ ÒËÎÛ Ò ÏÓÏÂÌÚ‡ Â„Ó Á‡Íβ˜ÂÌËfl Ë ‰ÂÈÒÚ‚ÛÂÚ ‰Ó ÏÓÏÂÌÚ‡ ÔÂ͇˘ÂÌËfl ‰ÂÈÒÚ‚Ëfl ‰Ó„Ó‚Ó‡ Ó

ÍÓÌÒӈˇθÌÓÏ Í‰ËÚ ÎË·Ó ÔÓ ËÌ˚Ï ÓÒÌÓ‚‡ÌËflÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‰Îfl ÔÂ͇˘ÂÌËflÓ·flÁ‡ÚÂθÒÚ‚.

6.2. àÁÏÂÌÂÌË ÛÒÎÓ‚ËÈ Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ ÓÙÓÏÎflÂÚÒfl ÔÛÚÂÏ ÔÓ‰ÔËÒ‡ÌËfl ëÚÓÓ̇ÏË ‰ÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ.

61Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

7. èÓfl‰ÓÍ ‡Á¯ÂÌËfl ÒÔÓÓ‚

7.1. ÇÒ ÒÔÓ˚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ, ‚ÓÁÌË͇˛˘Ë ÏÂÊ‰Û ëÚÓÓ̇ÏË, ‡Á¯‡˛ÚÒfl ÔÛÚÂÏ Ô„ӂÓÓ‚. Ç ÒÎÛ˜‡Â ̉ÓÒÚËÊÂ-ÌËfl Òӄ·ÒËfl ÒÔÓ ÔÓ‰ÎÂÊËÚ ‡ÒÒÏÓÚÂÌ˲ ıÓÁflÈÒÚ‚ÂÌÌ˚Ï ÒÛ‰ÓÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

8. ûˉ˘ÂÒÍË ‡‰ÂÒ‡ Ë ·‡ÌÍÓ‚ÒÍË ÂÍ‚ËÁËÚ˚ ëÚÓÓÌ

ŇÌÍ-‡„ÂÌÚ________________________ ìÔÓÎÌÓÏÓ˜ÂÌÌ˚ ‰ÓÎÊÌÓÒÚÌ˚ÂÎˈ‡ ŇÌÍÓ‚__________ __________________

(ÔÓ‰ÔËÒ¸) (ËÌˈˇÎ˚, Ù‡ÏËÎËfl)ŇÌÍË-Û˜‡ÒÚÌËÍË___________________________________________________________________________________________

èËÎÓÊÂÌË 2Í êÂÍÓÏẨ‡ˆËflÏ Ó ÔÓfl‰Í ӄ‡ÌËÁ‡ˆËË ÍÓÌÒӈˇθÌÓ„Ó Í‰ËÚÓ‚‡ÌËfl

ÑÓ„Ó‚Ó Ó ÍÓÌÒӈˇθÌÓÏ Í‰ËÚÂ

(ÔËÏÂ̇fl ÙÓχ)

“___” ___________ 200 „. „. åËÌÒÍ

____________________________________________________________________________________, ËÏÂÌÛÂÏ˚È ‚ ‰‡Î¸ÌÂȯÂÏ “ŇÌÍ-‡„ÂÌÚ”, (̇ËÏÂÌÓ‚‡ÌË ·‡Ì͇)

‚ Îˈ ________________________________________________________________________________________________________________________,(‰ÓÎÊÌÓÒÚ¸, Ù‡ÏËÎËfl, ËÏfl, ÓÚ˜ÂÒÚ‚Ó ÛÍÓ‚Ó‰ËÚÂÎfl)

‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË ___________________________________________________________________________________________________,(̇Á‚‡ÌËÂ, ‰‡Ú‡, ÌÓÏ ‰ÓÍÛÏÂÌÚ‡)

ÑÓ„Ó‚Ó‡ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰ÂflÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡ ÓÚ ___________ 200 „. ‹ _____, ‰ÂÈÒÚ‚Û˛˘ËÈ ÓÚ ËÏÂÌË Ë ‚ ËÌÚÂÂ-Ò‡ı ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ‰‡ÌÌÓ„Ó ÑÓ„Ó‚Ó‡:______________________________________________________________________________________,

(̇ËÏÂÌÓ‚‡ÌË ŇÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚)Ò Ó‰ÌÓÈ ÒÚÓÓÌ˚, Ë ______________________________________________________________, ËÏÂÌÛÂÏ˚È ‚ ‰‡Î¸ÌÂȯÂÏ “ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ”,

(ÔÓÎÌÓ ̇ËÏÂÌÓ‚‡ÌË ˛Ë‰Ë˜ÂÒÍÓ„Ó Îˈ‡)‚ Îˈ ________________________________________________________________________________________________________________________,

(‰ÓÎÊÌÓÒÚ¸, Ù‡ÏËÎËfl, ËÏfl, ÓÚ˜ÂÒÚ‚Ó ÛÍÓ‚Ó‰ËÚÂÎfl)‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË _______________________________________________________________, Ò ‰Û„ÓÈ ÒÚÓÓÌ˚ (‰‡Î — ëÚÓÓÌ˚),

(̇Á‚‡ÌËÂ, ‰‡Ú‡, ÌÓÏ ‰ÓÍÛÏÂÌÚ‡)Á‡Íβ˜ËÎË Ì‡ÒÚÓfl˘ËÈ ÑÓ„Ó‚Ó Ó ÌËÊÂÒÎÂ‰Û˛˘ÂÏ.

1. è‰ÏÂÚ ÑÓ„Ó‚Ó‡

1.1. ŇÌÍ-‡„ÂÌÚ Ô‰ÓÒÚ‡‚ÎflÂÚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ͉ËÚ (ÓÚÍ˚‚‡ÂÚ Í‰ËÚÌÛ˛ ÎËÌ˲) ‚ ÒÛÏÏ __________________________________________________________________________ Û·ÎÂÈ Ò ÛÔ·ÚÓÈ ____________________ÔÓˆÂÌÚÓ‚ „Ó‰Ó‚˚ı Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ,

(ÒÛÏχ ˆËÙ‡ÏË Ë ÔÓÔËÒ¸˛)ÒÓÍÓÏ ‰Ó _______________________________________________, ‰Îfl ________________________________________________________________.

(Û͇Á‡Ú¸ ˆÂ΂Ӡ̇Á̇˜ÂÌˠ͉ËÚ‡)1.2. ëÓÍË Ë ÔÓfl‰ÓÍ Ô‰ÓÒÚ‡‚ÎÂÌËfl Ë ÔÓ„‡¯ÂÌËfl ͉ËÚ‡:

ÒÓÍ Ô‰ÓÒÚ‡‚ÎÂÌËfl ͉ËÚ‡__________________________________________________________________________________________________;(Û͇Á‡Ú¸ ÔÂËÓ‰, ‚ Ú˜ÂÌË ÍÓÚÓÓ„Ó Å‡ÌÍ-‡„ÂÌÚ Ó·flÁÛÂÚÒfl Ô‰ÓÒÚ‡‚ËÚ¸ ͉ËÚ)

ÔÓfl‰ÓÍ Ô‰ÓÒÚ‡‚ÎÂÌËfl ͉ËÚ‡______________________________________________________________________________________________;(ÔÛÚÂÏ ·ÂÁ̇΢ÌÓ„Ó Ô˜ËÒÎÂÌËfl Ò‰ÒÚ‚ ̇ ÓÒÌÓ‚‡ÌËË Ô·ÚÂÊÌ˚ı ËÌÒÚÛ͈ËÈ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ËÎË ÔÓ‰‡‚ˆ‡ Ë ‰.)

ÒÓÍË ÔÓ„‡¯ÂÌËfl ͉ËÚ‡______________________________________________________________________________________________________;(Û͇Á‡Ú¸ ÒÓÍË ÔÓ„‡¯ÂÌËfl ͉ËÚ‡)

ÔÓfl‰ÓÍ ÔÓ„‡¯ÂÌËfl ͉ËÚ‡ ___________________________________________________________________________________________________.(Ô·ÚÂÊÌ˚Ï ÔÓÛ˜ÂÌËÂÏ Í‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, ÏÂÏÓˇθÌ˚Ï Ó‰ÂÓÏ, Ô·ÚÂÊÌ˚Ï Ú·ӂ‡ÌËÂÏ Å‡Ì͇-‡„ÂÌÚ‡)

1.3. èÓˆÂÌÚ˚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ Ë ÔÓfl‰ÓÍ Ëı ÛÔ·Ú˚:ÔÂËÓ‰ ̇˜ËÒÎÂÌËfl ÔÓˆÂÌÚÓ‚_________________________________________;ÒÓÍË ÛÔ·Ú˚ ÔÓˆÂÌÚÓ‚ _____________________________________________;ÔÓfl‰ÓÍ ÛÔ·Ú˚ ÔÓˆÂÌÚÓ‚ ______________________________________.

1.4. Ç ‡Ï͇ı ̇ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ ‰‡ÚÓÈ ÔÓ„‡¯ÂÌËfl ͉ËÚ‡ Ë ÛÔ·Ú˚ ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ Ò˜ËÚ‡ÂÚÒfl ‰‡Ú‡ Ù‡ÍÚ˘ÂÒ-ÍÓ„Ó ÔÓÒÚÛÔÎÂÌËfl ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ‚ ÔÓ„‡¯ÂÌË ӷflÁ‡ÚÂθÒÚ‚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ̇ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ë ҘÂÚ‡, ÓÚÍ˚Ú˚ ‚ ŇÌÍÂ-‡„ÂÌÚÂ.

62 Банковский вестник, 11’2003

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2. é·flÁ‡ÌÌÓÒÚË ëÚÓÓÌ

2.1. ŇÌÍ-‡„ÂÌÚ Ó·flÁÛÂÚÒfl:2.1.1. ÔË ÛÒÎÓ‚ËË Ô‰ÓÒÚ‡‚ÎÂÌËfl ŇÌ͇ÏË-Û˜‡ÒÚÌË͇ÏË Í‰ËÚÌ˚ı ÂÒÛÒÓ‚ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÑÓ„Ó‚ÓÓÏ Ó ÒÓ‚ÏÂÒÚÌÓÈ ‰Âfl-

ÚÂθÌÓÒÚË ÔÓ Ô‰ÓÒÚ‡‚ÎÂÌ˲ ͉ËÚ‡ Ë Ì‡‰ÎÂʇ˘Â„Ó ÓÙÓÏÎÂÌËfl ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Ó·ÂÒÔ˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ‚ÓÁ‚‡ÚÛ Í‰ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ ÔÓËÁ‚ÂÒÚË ‚˚‰‡˜Û ͉ËÚ‡ ‚ ÒÛÏÏÂ Ë ‚ ÒÓÍË, Ó„Ó‚ÓÂÌÌ˚ ‚ ̇ÒÚÓfl˘ÂÏ ÑÓ„Ó‚Ó-Â, Ò ÓÚÍ˚ÚËÂÏ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ ÒÒÛ‰ÌÓ„Ó Ò˜ÂÚ‡;

2.1.2. ̇˜ËÒÎflÚ¸ ÔÓˆÂÌÚ˚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ ‚ ÔÓfl‰ÍÂ, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ë Ì‡-ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ;

2.1.3. Ì ÔÓ„‡¯ÂÌÌÛ˛ ‚ ÛÒÚ‡ÌÓ‚ÎÂÌÌ˚È ÒÓÍ ÒÛÏÏÛ Í‰ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ ÔÂÂÌÂÒÚË Ì‡ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Ë ҘÂ-Ú‡ ÔÓ Û˜ÂÚÛ ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË.

2.2. ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ Ó·flÁÛÂÚÒfl:2.2.1. ‚ÓÁ‚‡ÚËÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ ÔÓÎÛ˜ÂÌÌÛ˛ ÒÛÏÏÛ Í‰ËÚ‡, ÛÔ·ÚËÚ¸ ÔÓˆÂÌÚ˚ Á‡ ÔÓθÁÓ‚‡ÌË ËÏ Ë ÔÓËÁ‚ÂÒÚË ËÌ˚ ‚˚Ô·Ú˚ ‚

ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò ÛÒÎÓ‚ËflÏË Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡;2.2.2. Ô‰ÓÒÚ‡‚ËÚ¸ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘Â ӷÂÒÔ˜ÂÌË ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ ‚ÓÁ‚‡ÚÛ ÔÓÎÛ˜ÂÌÌÓ„Ó Í‰ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ ÔÓ

ÌÂÏÛ Ì‡ ÒÛÏÏÛ ______________, ÓÙÓÏË‚ ÒÓÓÚ‚ÂÚÒÚ‚Û˛˘ËÈ ‰Ó„Ó‚Ó Òӄ·ÒÌÓ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚Û êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‰Ó_______________________________;

(Û͇Á‡Ú¸ ‰‡ÚÛ)2.2.3. ËÒÔÓθÁÓ‚‡Ú¸ ͉ËÚ Ì‡ ˆÂÎË, Ô‰ÛÒÏÓÚÂÌÌ˚ ̇ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ, ‡ Ú‡ÍÊ ҂Ó‚ÂÏÂÌÌÓ ÔÓËÁ‚Ó‰ËÚ¸ ‚Ò ‡Ò˜ÂÚ˚ Ë

Ô·ÚÂÊË ÔÓ Í‰ËÚÛ;2.2.4. Ó·ÂÒÔ˜ËÚ¸ ̇΢ˠ̇ ÚÂÍÛ˘ÂÏ (‡Ò˜ÂÚÌÓÏ) Ò˜ÂÚ ÌÂÓ·ıÓ‰ËÏ˚ı ‰Îfl ÔÓ„‡¯ÂÌËfl Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ Í‰ËÚÛ Ë ÔÓˆÂÌÚ‡Ï Á‡

ÔÓθÁÓ‚‡ÌË ËÏ Ò‰ÒÚ‚ Ë Ô‰ÓÒÚ‡‚ÎflÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ Ô·ÚÂÊÌ˚ ÔÓÛ˜ÂÌËfl ̇ Ô˜ËÒÎÂÌË Ò‰ÒÚ‚ ÒÓ Ò‚ÓÂ„Ó ÚÂÍÛ˘Â„Ó (‡Ò˜ÂÚ-ÌÓ„Ó) Ò˜ÂÚ‡ ÔË Ì‡ÒÚÛÔÎÂÌËË ÒÓÍÓ‚ ‚ÓÁ‚‡Ú‡ ͉ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ ÔÓ ÌÂÏÛ;

2.2.5. Á‡·Î‡„Ó‚ÂÏÂÌÌÓ (Á‡ _______ ‡·Ó˜Ëı ‰ÌÂÈ) ÒÓÓ·˘‡Ú¸ ŇÌÍÛ-‡„ÂÌÚÛ Ó ‚ÓÁÏÓÊÌÓÏ ÌÂËÒÔÓθÁÓ‚‡ÌËË ÓÚÍ˚ÚÓÈ Í‰ËÚÌÓÈ ÎË-ÌËË (͉ËÚ‡);

2.2.6. Ô‰ÒÚ‡‚ÎflÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ __________________________________ ‰ÓÒÚÓ‚ÂÌÛ˛ ·Ûı„‡ÎÚÂÒÍÛ˛ ÓÚ˜ÂÚÌÓÒÚ¸, ËÌ˚ ‰ÓÍÛÏÂÌÚ˚ Ë (ÒÓÍ, ÔÂËӉ˘ÌÓÒÚ¸)

ËÌÙÓχˆË˛ Ó ıÓÁflÈÒÚ‚ÂÌÌÓ-ÙË̇ÌÒÓ‚ÓÈ ‰ÂflÚÂθÌÓÒÚË, ˆÂ΂ÓÏ ËÒÔÓθÁÓ‚‡ÌËË Í‰ËÚ‡;2.2.7. ÌÂÁ‡Ï‰ÎËÚÂθÌÓ ÒÓÓ·˘‡Ú¸ ‚ ÔËÒ¸ÏÂÌÌÓÈ ÙÓÏ ŇÌÍÛ-‡„ÂÌÚÛ Ó ÔÓËү‰¯Ëı ËÁÏÂÌÂÌËflı Ò‚ÓÂ„Ó Ì‡ËÏÂÌÓ‚‡ÌËfl, ˛Ë‰Ë˜Â-

ÒÍÓ„Ó ‡‰ÂÒ‡, Ô‡‚Ó‚Ó„Ó ÒÚ‡ÚÛÒ‡, ‰Û„Ëı ÒÛ˘ÂÒÚ‚ÂÌÌ˚ı ÒÓ·˚ÚËflı, Ó͇Á˚‚‡˛˘Ëı ‚ÎËflÌË ̇ Ò‚Ó‚ÂÏÂÌÌÓÒÚ¸ ËÒÔÓÎÌÂÌËfl ä‰ËÚÓ-ÔÓÎÛ˜‡ÚÂÎÂÏ Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ;

2.2.8. ‰Ó ÔÓÎÛ˜ÂÌËfl ͉ËÚ‡ Ô‰ÒÚ‡‚ËÚ¸ ·‡ÌÍÛ ÔÓ ÏÂÒÚÛ ÓÚÍ˚ÚËfl ÚÂÍÛ˘Â„Ó (‡Ò˜ÂÚÌÓ„Ó) Ò˜ÂÚ‡ Á‡fl‚ÎÂÌË ̇ Ô‰‚‡ËÚÂθÌ˚ȇ͈ÂÔÚ Ô·ÚÂÊÌ˚ı Ú·ӂ‡ÌËÈ Å‡Ì͇-‡„ÂÌÚ‡ Ò ÓÔ·ÚÓÈ ‚ ‰Â̸ Ëı ÔÓÒÚÛÔÎÂÌËfl Ë Ô‰ÒÚ‡‚ËÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ ÍÓÔ˲ ‰‡ÌÌÓ„Ó Á‡fl‚ÎÂ-ÌËfl, Á‡‚ÂÂÌÌÛ˛ ·‡ÌÍÓÏ, ‚ ÍÓÚÓÓÏ ÓÚÍ˚Ú ÚÂÍÛ˘ËÈ (‡Ò˜ÂÚÌ˚È) Ò˜ÂÚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl. ç ËÒÍβ˜‡Ú¸ ŇÌÍ-‡„ÂÌÚ ËÁ ‰‡ÌÌÓ„Ó Á‡-fl‚ÎÂÌËfl Ë Ì ÓÚÁ˚‚‡Ú¸ Â„Ó ‚ Ú˜ÂÌË ÒÓ͇ ‰ÂÈÒÚ‚Ëfl ̇ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡;

2.2.9. Ó·ÂÒÔ˜ËÚ¸ ŇÌÍÛ-‡„ÂÌÚÛ, ÔÓ Â„Ó Ú·ӂ‡Ì˲, ÛÒÎÓ‚Ëfl ‰Îfl Ôӂ‰ÂÌËfl ÔÓ‚ÂÓÍ Ì‡Î˘Ëfl Ë ÛÒÎÓ‚ËÈ ı‡ÌÂÌËfl ͉ËÚÛÂÏ˚ıˆÂÌÌÓÒÚÂÈ, Á‡ÎÓÊÂÌÌÓ„Ó ËÏÛ˘ÂÒÚ‚‡, ˆÂÎÂ‚Ó„Ó ËÒÔÓθÁÓ‚‡ÌËfl ͉ËÚ‡ Ë ‰Û„Ëı ‰ÂÈÒÚ‚ËÈ, Ò‚flÁ‡ÌÌ˚ı Ò ÙË̇ÌÒÓ‚˚Ï ÒÓÒÚÓflÌËÂÏ äÂ-‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl, ‚ ÔÓfl‰ÍÂ, Ô‰ÛÒÏÓÚÂÌÌÓÏ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

3. 臂‡ ëÚÓÓÌ

3.1. ŇÌÍ-‡„ÂÌÚ ËÏÂÂÚ Ô‡‚Ó:3.1.1. ÓÒÛ˘ÂÒÚ‚ÎflÚ¸ ÍÓÌÚÓθ Á‡ Ò‚Ó‚ÂÏÂÌÌ˚Ï ÔÓ„‡¯ÂÌËÂÏ Í‰ËÚ‡ Ë ÛÔ·ÚÓÈ ÔÓˆÂÌÚÓ‚ ÔÓ ÌÂÏÛ;3.1.2. ÓÒÛ˘ÂÒÚ‚ÎflÚ¸ ÍÓÌÚÓθ Á‡ ˆÂ΂˚Ï ËÒÔÓθÁÓ‚‡ÌËÂÏ Í‰ËÚ‡, ̇΢ËÂÏ Ë ÒÓı‡ÌÌÓÒÚ¸˛ Á‡ÎÓÊÂÌÌÓ„Ó ËÏÛ˘ÂÒÚ-

‚‡___________________________________________________________________________________________;(Û͇Á‡Ú¸ ÔÂËӉ˘ÌÓÒÚ¸ Ë ÙÓÏ˚ ÍÓÌÚÓÎfl)

3.1.3. ‡Ì‡ÎËÁËÓ‚‡Ú¸ ıÓÁflÈÒÚ‚ÂÌÌÓ-ÙË̇ÌÒÓ‚Û˛ ‰ÂflÚÂθÌÓÒÚ¸ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl Ò ÓÒÛ˘ÂÒÚ‚ÎÂÌËÂÏ ÔË ÌÂÓ·ıÓ‰ËÏÓÒÚË ÔÓ‚Â-ÓÍ Ì‡ ÏÂÒÚÂ;

3.1.4. ‚ Ó‰ÌÓÒÚÓÓÌÌÂÏ ÔÓfl‰Í ËÁÏÂÌflÚ¸ ‡ÁÏ ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ, ÒÓÓ·˘Ë‚ Ó· ˝ÚÓÏä‰ËÚÓÔÓÎÛ˜‡ÚÂβ Á‡_______ ‰ÌÂÈ ‰Ó ‚‚‰ÂÌËfl ‚ ‰ÂÈÒÚ‚Ë ÌÓ‚Ó„Ó ‡Áχ ÔÓˆÂÌÚÓ‚;

3.1.5. ‰ÓÒÓ˜ÌÓ ‚Á˚ÒÍË‚‡Ú¸ Ô·ÚÂÊÌ˚Ï Ú·ӂ‡ÌËÂÏ ËÎË ÏÂÏÓˇθÌ˚Ï Ó‰ÂÓÏ Ò ÚÂÍÛ˘Â„Ó (‡Ò˜ÂÚÌÓ„Ó) Ò˜ÂÚ‡ ä‰ËÚÓÔÓÎÛ˜‡-ÚÂÎfl ÒÛÏÏÛ Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ Í‰ËÚÛ ‚ ÒÎÛ˜‡Â ‚˚fl‚ÎÂÌËfl ̇ۯÂÌËÈ ‚ ı‡ÌÂÌËË Ë ·Ûı„‡ÎÚÂÒÍÓÏ Û˜Âڠ͉ËÚÛÂÏ˚ı ˆÂÌÌÓÒÚÂÈ, ÛÒ-Ú‡ÌÓ‚ÎÂÌËfl Ù‡ÍÚÓ‚ ̈ÂÎÂ‚Ó„Ó ËÒÔÓθÁÓ‚‡ÌËfl ͉ËÚ‡ Ë ‰Û„Ëı ̇ۯÂÌËÈ Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡;

3.1.6. ‚Á˚ÒÍË‚‡Ú¸ Ô·ÚÂÊÌ˚Ï Ú·ӂ‡ÌËÂÏ Ò ÚÂÍÛ˘Â„Ó (‡Ò˜ÂÚÌÓ„Ó) Ò˜ÂÚ‡ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ‚ Ә‰ÌÓÒÚË, ÛÒÚ‡ÌÓ‚ÎÂÌÌÓÈ Á‡-ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸, ÒÛÏÏÛ Ì ‚ÓÁ‚‡˘ÂÌÌÓ„Ó ‚ ÒÓÍ Í‰ËÚ‡ Ë ÔÓˆÂÌÚÓ‚ ÔÓ ÌÂÏÛ ÔË ÌÂÔ‰ÒÚ‡‚ÎÂÌËË ä‰Ë-ÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Å‡ÌÍÛ-‡„ÂÌÚÛ Ô·ÚÂÊÌÓ„Ó ÔÓÛ˜ÂÌËfl ̇ Ô˜ËÒÎÂÌË Ò‰ÒÚ‚ ‚ ÔÓ„‡¯ÂÌË Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ Û͇Á‡ÌÌ˚Ï Ô·ÚÂʇÏ;

3.1.7. ÔË ‚ÓÁÌËÍÌÓ‚ÂÌËË ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ Í‰ËÚÛ Ë ÔÓˆÂÌÚ‡Ï Á‡ ÔÓθÁÓ‚‡ÌË ËÏ ‚ Á‡‚ËÒËÏÓÒÚË ÓÚ ÙÓÏ˚ Ó·ÂÒ-Ô˜ÂÌËfl ËÒÔÓÎÌÂÌËfl Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ ÔËÌËχڸ ÏÂ˚, ̇ԇ‚ÎÂÌÌ˚ ̇ ‚Á˚Ò͇ÌË ‰Ó΄‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡-ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸;

3.1.8. ̇ԇ‚ÎflÚ¸ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ Ò‚ÓËı Ô‰ÒÚ‡‚ËÚÂÎÂÈ ËÎË Ô‰ÒÚ‡‚ËÚÂÎÂÈ Å‡ÌÍÓ‚-Û˜‡ÒÚÌËÍÓ‚ ‚ ͇˜ÂÒڂ ̇·Î˛‰‡ÚÂÎÂÈ Á‡ ıÓÁflÈÒÚ‚ÂÌÌÓÈ ‰ÂflÚÂθÌÓÒÚ¸˛ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ‚ ÒÎÛ˜‡Â Ì‚˚ÔÓÎÌÂÌËfl ËÏ ÛÒÎÓ‚ËÈ Ì‡-ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡.

3.2. ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ ËÏÂÂÚ Ô‡‚Ó:3.2.1. ‰ÓÒÓ˜ÌÓ ‚ÓÁ‚‡ÚËÚ¸ ͉ËÚ Ò ÛÔ·ÚÓÈ Ì‡˜ËÒÎÂÌÌ˚ı ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ ÒÓ Ò‚ÓÂ„Ó ÚÂÍÛ˘Â„Ó (‡Ò˜ÂÚÌÓ„Ó)

Ò˜ÂÚ‡, ËÁ‚ÂÒÚË‚ ŇÌÍ-‡„ÂÌÚ Á‡ __________ ‰ÌÂÈ ‰Ó Ô‰˙fl‚ÎÂÌËfl ‰ÓÍÛÏÂÌÚ‡ ̇ ÔÓ„‡¯ÂÌËÂ;3.2.2. ıÓ‰‡Ú‡ÈÒÚ‚Ó‚‡Ú¸ Ó· ËÁÏÂÌÂÌËË ÛÒÎÓ‚ËÈ Í‰ËÚÓ‚‡ÌËfl ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ.

4. éÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ ëÚÓÓÌ

4.1. ŇÌÍ-‡„ÂÌÚ ÛÔ·˜Ë‚‡ÂÚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂβ:4.1.1. ¯Ú‡Ù Á‡ ÌÂÒ‚Ó‚ÂÏÂÌÌÛ˛ ‚˚‰‡˜Û ͉ËÚ‡ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Ì‡ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ ‚ ‡ÁÏ _______ ÔÓˆÂÌÚÓ‚ ÓÚ ÌÂ-

Ò‚Ó‚ÂÏÂÌÌÓ ‚˚‰‡ÌÌÓÈ ÒÛÏÏ˚;4.1.2. ¯Ú‡Ù Á‡ ÌÂÔ‡‚ËθÌÓ ̇˜ËÒÎÂÌËÂ Ë ‚Á˚Ò͇ÌË ÔÓˆÂÌÚÓ‚ ÔÓ Í‰ËÚÛ ‚ ‡ÁÏ ______ ÔÓˆÂÌÚÓ‚ ÓÚ ÒÛÏÏ˚ ËÁÎ˯Ì ‚Á˚-

Ò͇ÌÌ˚ı ÔÓˆÂÌÚÓ‚ Á‡ ÔÓθÁÓ‚‡Ìˠ͉ËÚÓÏ.4.2. ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ:

63Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

4.2.1. ÌÂÒÂÚ ÓÚ‚ÂÚÒÚ‚ÂÌÌÓÒÚ¸ Ô‰ ŇÌÍÓÏ-‡„ÂÌÚÓÏ Á‡ Ò‚Ó‚ÂÏÂÌÌÓÒÚ¸ Ë ÔÓÎÌÓÚÛ ÔÓ„‡¯ÂÌËfl ÓÒÌÓ‚ÌÓ„Ó ‰Ó΄‡ ÔÓ Í‰ËÚÛ, ̇-˜ËÒÎÂÌÌ˚ı ÔÓˆÂÌÚÓ‚ Ë ËÌ˚ı ‚˚ÔÎ‡Ú ÔÓ Í‰ËÚÛ;

4.2.2. ÛÔ·˜Ë‚‡ÂÚ Å‡ÌÍÛ-‡„ÂÌÚÛ:¯Ú‡Ù ‚ ‡ÁÏ _________ ÔÓˆÂÌÚÓ‚ ÓÚ ÒÛÏÏ˚ ͉ËÚ‡, ËÒÔÓθÁÓ‚‡ÌÌÓ„Ó Ì ÔÓ ˆÂ΂ÓÏÛ Ì‡Á̇˜ÂÌ˲;ÔÓ‚˚¯ÂÌÌÛ˛ ÒÚ‡‚ÍÛ ‚ ‡ÁÏ ________ ÔÓˆÂÌÚÓ‚ ÓÚ ÒÛÏÏ˚ ÔÓÒÓ˜ÂÌÌÓÈ Á‡‰ÓÎÊÂÌÌÓÒÚË ÔÓ ÓÒÌÓ‚ÌÓÏÛ ‰ÓÎ„Û ÔÓ Í‰ËÚÛ;4.2.3. ‚ÓÁÏ¢‡ÂÚ Û·˚ÚÍË ‚ÒΉÒÚ‚Ë ÌÂËÒÔÓÎÌÂÌËfl (ÌÂ̇‰ÎÂʇ˘Â„Ó ËÒÔÓÎÌÂÌËfl) Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ, ‚Íβ˜‡fl

Òۉ·Ì˚ ËÁ‰ÂÊÍË Ë ‰Û„Ë ‚˚Ô·Ú˚.

5. ëÓÍ ‰ÂÈÒÚ‚Ëfl ÑÓ„Ó‚Ó‡

5.1. ç‡ÒÚÓfl˘ËÈ ÑÓ„Ó‚Ó ‚ÒÚÛÔ‡ÂÚ ‚ ÒËÎÛ Ò ÏÓÏÂÌÚ‡ Â„Ó Á‡Íβ˜ÂÌËfl Ë ‰ÂÈÒÚ‚ÛÂÚ ‰Ó ÔÓÎÌÓ„Ó ËÒÔÓÎÌÂÌËfl ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎÂÏ Ò‚Ó-Ëı Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ ‚ÓÁ‚‡ÚÛ Í‰ËÚ‡, ÛÔ·Ú ÔÓˆÂÌÚÓ‚, ‡ Ú‡ÍÊ ËÌ˚ı Ó·flÁ‡ÚÂθÒÚ‚, ‚˚ÚÂ͇˛˘Ëı ËÁ ̇ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡.

5.2. àÁÏÂÌÂÌË ÛÒÎÓ‚ËÈ Ì‡ÒÚÓfl˘Â„Ó ÑÓ„Ó‚Ó‡ ÓÙÓÏÎflÂÚÒfl ÔÛÚÂÏ ÔÓ‰ÔËÒ‡ÌËfl ëÚÓÓ̇ÏË ‰ÓÔÓÎÌËÚÂθÌ˚ı Òӄ·¯ÂÌËÈ.

6. èÓfl‰ÓÍ ‡Á¯ÂÌËfl ÒÔÓÓ‚

6.1. ÇÒ ÒÔÓ˚ ÔÓ Ì‡ÒÚÓfl˘ÂÏÛ ÑÓ„Ó‚ÓÛ, ‚ÓÁÌË͇˛˘Ë ÏÂÊ‰Û ëÚÓÓ̇ÏË, ‡Á¯‡˛ÚÒfl ÔÛÚÂÏ Ô„ӂÓÓ‚. Ç ÒÎÛ˜‡Â ̉ÓÒÚËÊÂ-ÌËfl Òӄ·ÒËfl ÒÔÓ ÔÓ‰ÎÂÊËÚ ‡ÒÒÏÓÚÂÌ˲ ÒÛ‰ÓÏ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.

7. èӘˠÛÒÎÓ‚Ëfl

7.1. èË Ô˜ËÒÎÂÌËË (ÒÔËÒ‡ÌËË) ‰ÂÌÂÊÌ˚ı Ò‰ÒÚ‚ ‚ ÔÓ„‡¯ÂÌˠ͉ËÚ‡ Ë ÛÔ·ÚÛ ÔÓˆÂÌÚÓ‚ Ë Ì‰ÓÒÚ‡ÚÓ˜ÌÓÒÚË Ò‰ÒÚ‚ ̇ ÚÂ-ÍÛ˘ÂÏ (‡Ò˜ÂÚÌÓÏ) Ò˜ÂÚ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl ‰Îfl ÔÓÎÌÓ„Ó ËÒÔÓÎÌÂÌËfl ˝ÚËı Ó·flÁ‡ÚÂθÒÚ‚ ‚ ÔÂ‚Û˛ Ә‰¸ ÔÓ„‡¯‡ÂÚÒfl______________________________.

(Û͇Á‡Ú¸ ÍÓÌÍÂÚÌÓ)7.2. èË ‡Ò˜ÂÚ ÔÓˆÂÌÚÓ‚ ÍÓ΢ÂÒÚ‚Ó ‰ÌÂÈ ‚ „Ó‰Û ÔËÌËχÂÚÒfl ‡‚Ì˚Ï _____________________________________________________.

(Û͇Á‡Ú¸ ÍÓÌÍÂÚÌÓ)7.3. Ç ÒÎÛ˜‡flı, Ì Ô‰ÛÒÏÓÚÂÌÌ˚ı ̇ÒÚÓfl˘ËÏ ÑÓ„Ó‚ÓÓÏ, ëÚÓÓÌ˚ ÛÍÓ‚Ó‰ÒÚ‚Û˛ÚÒfl Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸.7.4. ç‡ÒÚÓfl˘ËÈ ÑÓ„Ó‚Ó ÒÓÒÚ‡‚ÎÂÌ Ì‡ ____ ÎËÒÚ‡ı ̇ ÛÒÒÍÓÏ (·ÂÎÓÛÒÒÍÓÏ) flÁ˚Í ‚ ‰‚Ûı ˝ÍÁÂÏÔÎfl‡ı, ÔÓ Ó‰ÌÓÏÛ ˝ÍÁÂÏÔÎflÛ ‰Îfl

͇ʉÓÈ ËÁ ëÚÓÓÌ.

8. ûˉ˘ÂÒÍË ‡‰ÂÒ‡ Ë ·‡ÌÍÓ‚ÒÍË ÂÍ‚ËÁËÚ˚ ëÚÓÓÌ

ŇÌÍ ______________________________________________________________________________________________________________________________________________________________________________________________

ä‰ËÚÓÔÓÎÛ˜‡ÚÂθ______________________________________________ __________________________________________________________________________________________________________________________________

ìÔÓÎÌÓÏÓ˜ÂÌÌÓ ‰ÓÎÊÌÓÒÚÌÓ ìÔÓÎÌÓÏÓ˜ÂÌÌÓ ‰ÓÎÊÌÓÒÚÌÓÂÎËˆÓ Å‡Ì͇-‡„ÂÌÚ‡ ÎËˆÓ ä‰ËÚÓÔÓÎÛ˜‡ÚÂÎfl__________ ____________________ __________ ____________________

(ÔÓ‰ÔËÒ¸) (ËÌˈˇÎ˚, Ù‡ÏËÎËfl) (ÔÓ‰ÔËÒ¸) (ËÌˈˇÎ˚, Ù‡ÏËÎËfl)

Ç Ò‚flÁË Ò ‚˚ıÓ‰ÓÏ ‰‡ÌÌ˚ı êÂÍÓÏẨ‡ˆËÈ ÛÚ‡˜Ë‚‡˛Ú ÒËÎÛ êÂÍÓÏẨ‡ˆËË ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ÔÓ Ô‰Ó-ÒÚ‡‚ÎÂÌ˲ ÍÓÌÒӈˇθÌ˚ı ͉ËÚÓ‚, ‰Ó‚‰ÂÌÌ˚ ÔËÒ¸ÏÓÏ ÓÚ 13 χfl 1997 „. ‹ 04012/180

è‚˚È Á‡ÏÂÒÚËÚÂθ è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl ûû..åå.. ÄÄÎÎ˚̊ÏÏÓÓ‚‚

64 Банковский вестник, 11’2003

ВОПРОС — ОТВЕТ

0033..0044..22000033 ‹‹ 3366--3388//6611

é ÙÓÏËÓ‚‡ÌËË Ë̉Ë͇ÚË‚ÌÓÈ ÒÚ‡‚ÍË ÏÂÊ·‡ÌÍÓ‚ÒÍÓ„Ó ˚Ì͇燈ËÓ̇θÌ˚È ·‡ÌÍ êÂÒÔÛ·ÎËÍË Å·ÛÒ¸ ‚ ˆÂÎflı ÔÓ‚˚¯Â-

ÌËfl ÛÓ‚Ìfl ËÌÙÓχˆËÓÌÌÓÈ ÓÚÍ˚ÚÓÒÚË ÏÂÊ·‡ÌÍÓ‚ÒÍÓ„Ó ˚ÌÍ‡Ë Òӂ¯ÂÌÒÚ‚Ó‚‡ÌËfl ‡Ì‡ÎËÚ˘ÂÒÍÓ„Ó Ó·ÒÎÛÊË‚‡ÌËfl ·‡ÌÍÓ‚,‡Á‚ËÚËfl Ë ÛÍÂÔÎÂÌËfl ·‡ÌÍÓ‚ÒÍÓÈ ÒËÒÚÂÏ˚ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸, Ó·ÂÒÔ˜ÂÌËfl ˝ÙÙÂÍÚË‚ÌÓ„Ó, ̇‰ÂÊÌÓ„Ó Ë ·ÂÁÓÔ‡ÒÌÓ„ÓÙÛÌ͈ËÓÌËÓ‚‡ÌËfl Ô·ÚÂÊÌÓÈ ÒËÒÚÂÏ˚, ‡ Ú‡ÍÊ ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËËÒÓ ÒÚ‡Ú¸flÏË 126 Ë 154 ŇÌÍÓ‚ÒÍÓ„Ó ÍÓ‰ÂÍÒ‡ êÂÒÔÛ·ÎËÍË Å·-ÛÒ¸ ÒÓÓ·˘‡ÂÚ ÒÎÂ‰Û˛˘ÂÂ.

èÓ Ô‰‚‡ËÚÂθÌÓÈ ‰Ó„Ó‚ÓÂÌÌÓÒÚË ÏÂÊ‰Û ‡„ÂÌÚÒÚ‚ÓÏ“êÂÈÚ” (‰‡Î — “êÂÈÚ”) Ë ç‡ˆËÓ̇θÌ˚Ï ·‡ÌÍÓÏ “êÂÈÚ”„ÓÚÓ‚ ÒÓ‚ÏÂÒÚÌÓ Ò ç‡ˆËÓ̇θÌ˚Ï ·‡ÌÍÓÏ ÙÓÏËÓ‚‡Ú¸ Ë̉Ë͇-ÚË‚ÌÛ˛ ÒÚ‡‚ÍÛ ÔÓ ‡ÁÏ¢‡ÂÏ˚Ï ÏÂÊ·‡ÌÍÓ‚ÒÍËÏ Û·Î‚˚Ï ÍÂ-‰ËÚ‡Ï (‰ÂÔÓÁËÚ‡Ï) ̇ ÏÂÊ·‡ÌÍÓ‚ÒÍÓÏ ˚ÌÍ (‰‡Î — MinIBOR,Minsk Inter-Bank Offered Rate) ̇ ÓÒÌÓ‚Â „Ó‰Ó‚˚ı ÔÓˆÂÌÚÌ˚ıÒÚ‡‚ÓÍ ‡ÁÏ¢ÂÌËfl ۷΂˚ı ͉ËÚÓ‚ (‰ÂÔÓÁËÚÓ‚), Ó·˙fl‚ÎflÂ-Ï˚ı ·ÂÎÓÛÒÒÍËÏË ·‡Ì͇ÏË — Û˜‡ÒÚÌË͇ÏË ÏÂÊ·‡ÌÍÓ‚ÒÍÓ„Ó˚Ì͇. Ç Ò‚flÁË Ò ˝ÚËÏ ç‡ˆËÓ̇θÌ˚È ·‡ÌÍ Ô‰·„‡ÂÚ ‚‡Ï ‡Ò-ÒÏÓÚÂÚ¸ ‚ÓÁÏÓÊÌÓÒÚ¸ Û˜‡ÒÚËfl ‚ ÙÓÏËÓ‚‡ÌËË MinIBOR ‚ ÒÓ-ÓÚ‚ÂÚÒÚ‚ËË Ò ÌËÊÂÔ˜ËÒÎÂÌÌ˚ÏË Ú·ӂ‡ÌËflÏË:

1. éÒÌÓ‚‡ÌËÂÏ ‰Îfl Û˜‡ÒÚËfl ·‡Ì͇ ‚ ÙÓÏËÓ‚‡ÌËË MinIBORfl‚ÎflÂÚÒfl Á‡fl‚ÎÂÌË ·‡Ì͇ ‚ ‡‰ÂÒ ç‡ˆËÓ̇θÌÓ„Ó ·‡Ì͇, ÔË-ÏÂ̇fl ÙÓχ ÍÓÚÓÓ„Ó Ô˂‰Â̇ ‚ ÔËÎÓÊÂÌËË Í Ì‡ÒÚÓfl˘ÂÏÛÔËÒ¸ÏÛ.

ŇÌÍ-Û˜‡ÒÚÌËÍ ÏÓÊÂÚ ÔËÓÒÚ‡ÌÓ‚ËÚ¸ Ó·˙fl‚ÎÂÌË ÒÚ‡‚ÓÍ ÔËÛÒÎÓ‚ËË Ô‰‚‡ËÚÂθÌÓ„Ó Û‚Â‰ÓÏÎÂÌËfl “êÂÈÚ” Ë ç‡ˆËÓ̇θ-ÌÓ„Ó ·‡Ì͇ Á‡ 30 ‰ÌÂÈ ‰Ó ÔÂ͇˘ÂÌËfl Ó·˙fl‚ÎÂÌËfl ÒÚ‡‚ÓÍ. Ç˝ÚÓÏ ÒÎÛ˜‡Â “êÂÈÚ” Ë ç‡ˆËÓ̇θÌ˚È ·‡ÌÍ ÔËÌËχ˛Ú ÏÂ˚ ÔÓÁ‡ÏÂÌ ˝ÚÓ„Ó ·‡Ì͇ Ë ËÌÙÓÏËÛ˛Ú Ó ÔÓËÁ‚‰ÂÌÌÓÈ Á‡ÏÂÌ ˜Â-ÂÁ Ò‚ÓË ÒËÒÚÂÏ˚.

ëÚ‡‚ÍË, Ó·˙fl‚ÎflÂÏ˚ ·‡Ì͇ÏË, fl‚Îfl˛ÚÒfl ËÒÍβ˜ËÚÂθÌÓË̉Ë͇ÚË‚ÌÓÈ ËÌÙÓχˆËÂÈ. àı ÔÛ·ÎË͇ˆËfl Ì ̇Í·‰˚‚‡ÂÚ Ì‡·‡ÌÍË, Ó·˙fl‚Îfl˛˘Ë ÒÚ‡‚ÍË, ͇ÍËı-ÎË·Ó Ó·flÁ‡ÚÂθÒÚ‚ ÔÓ Á‡-Íβ˜ÂÌ˲ ÍÓÌÍÂÚÌ˚ı Ò‰ÂÎÓÍ Ì‡ ÏÂÊ·‡ÌÍÓ‚ÒÍÓÏ ˚ÌÍÂ.

2. MinIBOR ‡ÒÒ˜ËÚ˚‚‡ÂÚÒfl ̇ ÓÒÌÓ‚Â ÒÚ‡‚ÓÍ, Ó·˙fl‚ÎflÂÏ˚ı·‡Ì͇ÏË ‚ ‡ÁÂÁ ÒÎÂ‰Û˛˘Ëı ÒÓÍÓ‚ ͉ËÚÓ‚‡ÌËfl:

overnight; 1 ̉ÂÎfl; 2 ̉ÂÎË; 1 ÏÂÒflˆ;

2 ÏÂÒflˆ‡; 3 ÏÂÒflˆ‡.

ëÓÍË Í‰ËÚÓ‚‡ÌËfl ÓÚÒ˜ËÚ˚‚‡˛ÚÒfl Ò ‰‡Ú˚ “Ò„ӉÌfl”.3. èË ‡Ò˜ÂÚ ‰Îfl Í‡Ê‰Ó„Ó ÔÂËÓ‰‡ ËÁ ÔÓÎÛ˜ÂÌÌ˚ı ÓÚ ·‡Ì-

ÍÓ‚ ÒÚ‡‚ÓÍ ËÒÍβ˜‡˛ÚÒfl 2 Ò‡Ï˚ ÌËÁÍËÂ Ë 2 Ò‡Ï˚ ‚˚ÒÓÍËÂ. àÁÓÒÚ‡‚¯ËıÒfl ÔÓÎÛ˜‡˛Ú ҉̠‡ËÙÏÂÚ˘ÂÒÍÓ Á̇˜ÂÌËÂ, ÍÓÚÓ-Ó ÔÛ·ÎËÍÛÂÚÒfl Í‡Í MinIBOR. à̉ÂÍÒ˚ Ì ‡ÒÒ˜ËÚ˚‚‡˛ÚÒfl ‚ÒÎÛ˜‡Â, ÂÒÎË Ì‡ ÏÓÏÂÌÚ ‡Ò˜ÂÚ‡ ÒÚ‡‚ÍË Ô‰ÒÚ‡‚ËÎË ÏÂÌ 7·‡ÌÍÓ‚.

4. ŇÌÍË Í‡Ê‰˚È ‡·Ó˜ËÈ ‰Â̸ ÔÓ ÒÓÒÚÓflÌ˲ Á‡ 15 ÏËÌÛÚ ‰Ó̇˜‡Î‡ ‚ÂÏÂÌË “‡Ò˜ÂÚÌÓ„Ó ÓÍ̇” ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò É‡ÙËÍÓÏÔËÂχ Ë Ó·‡·ÓÚÍË ˝ÎÂÍÚÓÌÌ˚ı Ô·ÚÂÊÌ˚ı ‰ÓÍÛÏÂÌÚÓ‚ ÒËÒÚÂ-ÏÓÈ BISS Ë ÍÎËËÌ„Ó‚ÓÈ ÒËÒÚÂÏÓÈ ÔÓ˜Ëı Ô·ÚÂÊÂÈ (‰‡Î —ɇÙËÍ) Ó·˙fl‚Îfl˛Ú Ë̉Ë͇ÚË‚Ì˚ ÒÚ‡‚ÍË, ÔÓ ÍÓÚÓ˚Ï ÓÌË ÏÓ„-ÎË ·˚ Ô‰ÓÒÚ‡‚ËÚ¸ Ò‰ÒÚ‚‡ ̇ ÏÂÊ·‡ÌÍÓ‚ÒÍÓÏ ˚ÌÍÂ. èÓ‰ ‡-·Ó˜ËÏ ‰ÌÂÏ ÔÓÌËχÂÚÒfl ‡·Ó˜ËÈ ‰Â̸ ÔÓ Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚Û êÂ-ÒÔÛ·ÎËÍË Å·ÛÒ¸.

5. ŇÌÍË Ó·˙fl‚Îfl˛Ú ÒÚ‡‚ÍË ·ÂÁ ͇ÍËı-ÎË·Ó ÒÒ˚ÎÓÍ Ì‡ ÒÚ‡‚-ÍË, Á‡fl‚ÎflÂÏ˚ ‰Û„ËÏË ·‡Ì͇ÏË.

6. èË ‡Ò˜ÂÚ ӷ˙fl‚ÎflÂÏ˚ı ÒÚ‡‚ÓÍ ·‡Ì͇ÏË ‚ ͇˜ÂÒÚ‚Â ÓÒ-ÌÓ‚˚ ‰ÓÎÊÌ˚ ÔËÌËχڸÒfl ÒÚ‡‚ÍË ÔÓ Í‰ËÚ‡Ï (‰ÂÔÓÁËÚ‡Ï):

Ô‰ÓÒÚ‡‚ÎflÂÏ˚Ï Ì‡ ÏÂÊ·‡ÌÍÓ‚ÒÍÓÏ ˚ÌÍ ‚ Ó·˙Âχı ‰Ó1,0 ÏΉ Û·ÎÂÈ;

fl‚Îfl˛˘ËÏÒfl Òڇ̉‡ÚÌ˚ÏË Ë ÌÂÓ·ÂÒÔ˜ÂÌÌ˚ÏË; ‚˚‰‡‚‡ÂÏ˚Ï ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Ú·ӂ‡ÌËflÏË, ÛÒÚ‡ÌÓ‚ÎÂÌ-

Ì˚ÏË Á‡ÍÓÌÓ‰‡ÚÂθÒÚ‚ÓÏ. 7. ÇÂ΢Ë̇ ÒÚ‡‚ÍË Û͇Á˚‚‡ÂÚÒfl ‚ ÔÓˆÂÌÚ‡ı „Ó‰Ó‚˚ı Ò ÚÓ˜-

ÌÓÒÚ¸˛ ‰Ó ‰‚Ûı Á̇ÍÓ‚ ÔÓÒΠÁ‡ÔflÚÓÈ.8. ŇÌÍË ‚‚Ó‰flÚ Ò‚ÓË ÒÚ‡‚ÍË ‚ ÚÂÎÂÍÓÏÏÛÌË͇ˆËÓÌÌÛ˛ ÒËÒ-

ÚÂÏÛ “êÂÈÚ” ‚ Ú˜ÂÌË 15 ÏËÌÛÚ ‰Ó ̇˜‡Î‡ ‚ÂÏÂÌË “‡Ò˜ÂÚÌÓ-„Ó ÓÍ̇” ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò É‡ÙËÍÓÏ.

9. “êÂÈÚ” ÔÛ·ÎËÍÛÂÚ ÒÂ‰Ì˛˛ ÒÚ‡‚ÍÛ MinIBOR Ë Ë̉˂ˉÛ-‡Î¸Ì˚ ÒÚ‡‚ÍË ·‡ÌÍÓ‚ ̇ ÒÔˆˇθÌ˚ı ÒÚ‡Ìˈ‡ı ‚ Ú˜ÂÌË 30ÏËÌÛÚ ÔÓÒΠ̇˜‡Î‡ ‚ÂÏÂÌË “‡Ò˜ÂÚÌÓ„Ó ÓÍ̇” ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË ÒɇÙËÍÓÏ.

ëÚ‡‚ÍË MinIBOR ÒÓı‡Ìfl˛ÚÒfl ‚ ·‡Á‡ı ‰‡ÌÌ˚ı “êÂÈÚ” Ë fl‚-Îfl˛ÚÒfl ‰ÓÒÚÛÔÌ˚ÏË ‰Îfl ÔÓθÁÓ‚‡ÚÂÎÂÈ ÒËÒÚÂÏ “êÂÈÚ”, ‚ ÚÓϘËÒΠ‚ „‡Ù˘ÂÒÍÓÏ ËÁÓ·‡ÊÂÌËË.

á‡ÏÂÒÚËÚÂθ è‰Ò‰‡ÚÂÎfl 臂ÎÂÌËfl ÇÇ..ëë.. å凇ÚÚ˛̨¯̄‚‚ÒÒÍÍËËÈÈ

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áÄüÇãÖçàÖ(ÔËÏÂ̇fl ÙÓχ)

‹ ___ “__” __________ 200__ „.

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‰ÂÈÒÚ‚Û˛˘Â„Ó Ì‡ ÓÒÌÓ‚‡ÌËË ìÒÚ‡‚‡, ıÓ‰‡Ú‡ÈÒÚ‚ÛÂÚ Ó· Û˜‡ÒÚËË Ë ÔÓ‰Ú‚Âʉ‡ÂÚ „ÓÚÓ‚ÌÓÒÚ¸ Û˜‡ÒÚËfl ‚ ÙÓÏËÓ‚‡ÌËË Ë̉Ë͇ÚË‚ÌÓÈÒÚ‡‚ÍË MinIBOR ‚ ÒÓÓÚ‚ÂÚÒÚ‚ËË Ò Ú·ӂ‡ÌËflÏË, ËÁÎÓÊÂÌÌ˚ÏË ‚ ÔËҸϠ燈ËÓ̇θÌÓ„Ó ·‡Ì͇ ÓÚ ___ _________2003 „. ‹ ___.

êÛÍÓ‚Ó‰ËÚÂθ ·‡Ì͇ ________________ _____________________(ÔÓ‰ÔËÒ¸) (à.é.î‡ÏËÎËfl)

å.è.