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2. Pravovі Ambush control Natsіonalnogo bank for dіyalnіstyu komertsіynih bankіv

Natsіonalny Bank of Ukraine vistupaє Nemov bi poserednikom mіzh powers i komertsіynimi banks. Vіn zasobami, SSMSC Got in svoєmu rozporyadzhennі, spirayuchis on Konstitutsіyu i zakonodavstvo, vtіlyuє in Zhittya ekonomіchnu polіtiku powers. Yak body vikonavchoї Vladi s Especially funktsіyami, Natsіonalny Bank of Ukraine realіzuє Reigning upravlіnnya in bankіvskіy sistemі Kraina, kontrolyuє order stvorennya komertsіynih bankіv, zdіysnyuє perspicuity of їh dіyalnіstyu not vtruchayuchis in їh operational dіyalnіst.

The Law of Ukraine "About banks i bankіvsku dіyalnіst" daє vihіdnі position for formuvannya komertsіynih bankіv that viznachaє colo їh povnovazhen. The basis formuvannya komertsіynih bankіv takozh put the Law of Ukraine "About pіdpriєmstva in Ukraine", "Pro gospodarskі tovaristva", "Pro tsіnnі Papero that stock bіrzhu", "Pro obmezhennya monopolіzmu" i normativnі acti Natsіonalnogo Bank of Ukraine: the provisions about the order stvorennya i reєstratsії komertsіynih bankіv od 27.03.1996 p. іz zmіnami od 23.07.1996 p .; The provisions about the order in lіtsenzuvannya bankіv Ukraїnі od 27.03.1996 p. i zmіnami od 23.07.1996 r., the provisions of the National Bank of Ukraine about the procedure for conducting audit zovnіshnogo Yurydychna osіb aktsіonerіv (uchasnikіv) komertsіynih bankіv in protsesі perevіrki pravilnostі formuvannya statutory fondіv komertsіynih bankіv.

Natsіonalny Bank of Ukraine lіtsenzuє dіyalnіst komertsіynih bankіv i reєstruє їh Statute. Utvoryuvati mozhut Ukrainian banks that іnozemnі yuridichnі that fіzichnі individuals krіm glad mіstsevogo samovryaduvannya usіh rіvnіv, їh vikonavchih organіv, Reigning of companies, polіtichnih, profspіlkovih organіzatsіy i ob'єdnan, partіy, Gromadska fondіv.

Natsіonalny Bank of Ukraine vstanovlyuє mіnіmalny rozmіr statutory fund aktsіonernogo bank.

Statutory kapіtal aktsіonernogo bank Mauger formuvatisya tіlki for rakhunok Vlasnyi koshtіv aktsіonerіv. Zaboronyaєtsya zbіlshuvati statutory kapіtal i stvoryuvati novі banks for rakhunok nerozpodіlenih pributkіv.

Chastku in statutory kapіtal mozhna zrobiti tіlki in natsіonalnіy valyutі. He can be ROBIT vneski for rakhunok budgetary koshtіv, credit i Zastavna koshtіv.

For formuvannya statutory fund vіdkrivaєtsya timchasovy rakhunok for mіstsem znahodzhennya aktsіonernogo bank.

Komertsіynі banks vvazhayutsya stvorenimi i oderzhuyut status yuridichnoї individuals pіslya reєstratsії Natsіonalnim Bank of Ukraine. In Registration held at vіdpovіdnostі s "position about the order stvorennya i reєstratsії komertsіynih bankіv" zatverdzhenim Pravlіnnyam Natsіonalnogo bank 14.04.1998 rock.

Natsіonalny Bank of Ukraine Mauger vіdmoviti in reєstratsії komertsіynogo bank:

razі torn down in order stvorennya bank;

nevіdpovіdnostі yogo statute that іnshih ustanovchih dokumentіv zakonodavstvu;

Posted nepovny package dokumentіv, neobhіdnih for derzhavnoї reєstratsії bank;

nezadovіlnogo fіnansovogo camp, abo vіdsutnіst bezdogannoї dіlovoї reputatsії prinaymnі one s zasnovnikіv;

in razі profesіynoї nepridatnostі recommending kerіvnitstva.

Rіshennya about vіdmovu in reєstratsії komertsіynogo Bank Mauger Buti oskarzhene the courts order.

About zmіni, scho making in ustanovchі document komertsіynі banks povinnі povіdomlyati Natsіonalnomu jar i have podavati mіsyachny lines notarіalno zasvіdchenі kopії zmіnenih dokumentіv.

Change log in Registration i dopovnen zdіysnyuєtsya takozh in mіsyachny lines h time of possession stated that vsіh neobhіdnih dokumentіv Shlyakhov Adding їh to book reєstratsії bankіv.

Komertsіynі banks mozhut vіdkrivati ​​teritorії Ukraine on i for її mezhami fіlії that predstavnitstva, SSMSC vistupayut od іmenі brain bank Yea i do not Yurydychna special, ale toil svoї position. Fіlіya Got svіy subkorespondentsky rakhunok that zdіysnyuє bankіvskі operatsії, peredbachenі її position. Predstavnitstvo bank fіnansuєtsya parent bank, od іmenі yakogo vіn vistupaє, ale not Got Rights vikonuvati bankіvskі funktsії.

Komertsіyny bank Got the right vіdkrivati ​​fіlії of minds povnoї Splat statement statutory fund.

For vіdkrittya fіlії chi predstavnitstva neobhіdna pismova Zgoda Natsіonalnogo bank. Pіslya obsession pismovoї Zgoda to Natsіonalnogo bank podayutsya:

klopotannya about reєstratsіyu fіlії i ekonomіchne obґruntuvannya dotsіlnostі її stvorennya pіdpisom head for the sake of, zavіrenim Signet Bank;

rіshennya zborіv aktsіonerіv bank about stvorennya fіlії;

The provisions about fіlіyu, zatverdzhene in the prescribed manner:

visnovok upravlіnnya Natsіonalnogo bank for mіstsem znahodzhennya fіlії komertsіynogo bank about vіdpovіdnіst vimogam primіschennya fіlії bank about profesіynu pridatnіst i reputatsіyu keruyuchogo fіlієyu bank i head accountant that zabezpechenіst kvalіfіkovanimi frames.

Materіali for reєstratsії fіlії bank rozglyadayut i give visnovki Golovnі upravlіnnya bankіvskogo obvious, bankіvskogo obslugovuvannya, valyutnoekonomіchne, emіsіynokasovih operatsіy, Yurydychna.

Natsіonalny Bank of Ukraine Mauger vіdmoviti komertsіynomu bank in vіdkrittі fіlії razі torn down in order її stvorennya, nevіdpovіdnostі dokumentіv zakonodavstvu that statute bank nezadovіlnogo fіnansovogo will bank them torn down ekonomіchnih normativіv through profesіynu nepridatnіst kerіvnika, head accountant, vіdsutnostі nalezhnoї materіalnotehnіchnoї bazi.

Rules Natsіonalnogo Bank of Ukraine vstanovlenі osoblivostі reєstratsії bankіv, їh fіlіy that predstavnitstv for participation іnozemnogo kapіtalu. Іnozemnі banks mozhut utvoryuvati іnozemnі yuridichnі i fіzichnі individuals spіlnі Ukrainian banks іnozemnі yuridichnі i i fіzichnі individuals.

Krіm quiet dokumentіv, SSMSC povinnі taxes Ukrainian zasnovniki for utvorennya komertsіynogo bank іnozemnі yuridichnі individuals podayut:

rіshennya upovnovazhenogo body іnozemnogo zasnovnika about stvorennya bank;

pismova Zgoda controlling authority powers, pіddanim yakoї Je іnozemny participant on stvorennya bank. Ale Zgoda potrіbna, Yakscho Tse peredbacheno zakonodavstvom vіdpovіdnoї powers;

kopії statutіv іnozemnih zasnovnikіv on pіdstavі yakih stink dіyut;

vityag s torgovelnogo (bankіvskogo) reєstru powers, de іnozemny zasnovnik (participant) Got ofіtsіyno zareєstrovanu office;

dovіdku s bankіvskih SET, in yakih i ofіtsіyno vіdkritі znahodyatsya rahunki іnozemnogo zasnovnika;

visnovok auditorskoї organіzatsії, yak for zakonodavstvom powers zasnovnika (participant) Got the right zdіysnyuvati auditorsku dіyalnіst.

Іnozemnі fіzichnі individuals for stvorennya komertsіynogo bank fіlії abo predstavnitstva podayut:

pіdtverdzhennya pershoklasnogo bank about platospromozhnіst zasnovnika (participant) to the bank;

rekomendatsії not less then dvoh іnozemnih Yurydychna osіb gromadyan abo s vіdomoyu platospromozhnіstyu.

Tsі document and povinnі Buti notarіalno zavіrenі for mіstsem їh vidachі that legalіzovanі (pіdtverdzhenі) in the established order in Set konsulskih Ukraine. Іnozemnі zasnovniki podayut takozh zavіrenі perekladi on ukraїnsku movu vsіh dokumentіv, SSMSC vikladenі іnozemnoyu movoyu, s origіnalіv Dodanim.

For dіyalnіstyu komertsіynih bankіv zdіysnyuє control bunt upravlіnnya bankіvskogo lucid Natsіonalnogo Bank of Ukraine, Krymska respublіkanske that oblasnі upravlіnnya Natsіonalnogo Bank of Ukraine.

Kontrolnі funktsії Natsіonalnogo bank in Ukraine polyagayut zdіysnenі lucid for doderzhannyam bankіvskogo zakonodavstva Ukraine.

Golovna meta bankіvskogo regulyuvannya i perspicuity bezpeka that fіnansova stabіlnіst bankіvskoї system Zahist іnteresіv vkladnikіv i kreditorіv.Natsіonalny Bank zdіysnyuє funktsії bankіvskogo regulyuvannya i lucid for dіyalnіstyu bankіv in the furrows of that order, peredbachenih zakonodavstvom Ukraine.

Natsіonalny Bank zdіysnyuє postіyny perspicuity of dotrimannyam bankіvskogo zakonodavstva banks, regulatory aktіv Natsіonalnogo bank i ekonomіchnih normativіv.

Natsіonalny Bank vidaє regulatory pravovі acti s power, vіdnesenih to yogo povnovazhen, SSMSC Je obov'yazkovimi for organіv derzhavnoї Vladi i organіv mіstsevogo samovryaduvannya, bankіv, of companies, is the SET organіzatsіy Square od forms vlasnostі and takozh for fіzichnih osіb.

Regulatory pravovі acti Natsіonalnogo bank vidayutsya in formі The setting Pravlіnnya Natsіonalnogo Bank and takozh іnstruktsіy, regulations, rules, scho zatverdzhuyutsya Holds Pravlіnnya Natsіonalnogo bank. Pong shaping can not superechiti laws of Ukraine that Ukraine acts іnshim zakonodavchim i do not toil zvorotnoї Sealy, krіm vipadkіv, if the stench zgіdno s law pom'yakshuyut abo skasovuyut vіdpovіdalnіst.

Regulatory pravovі acti Natsіonalnogo bank pіdlyagayut obov'yazkovіy derzhavnіy reєstratsії Mіnіsterstvі yustitsії in Ukraine that nabirayut chinnostі vіdpovіdno to zakonodavstva Ukraine.

Regulatory pravovі acti Natsіonalnogo bank shaping can Buti oskarzhenі vіdpovіdno to zakonodavstva Ukraine.

For zdіysnennya svoїh funktsіy Natsіonalny bank Got the right bezoplatnoy oderzhuvati od bankіv іnformatsіyu about їh dіyalnіst vіdpovіdno to nadanoї lіtsenzії that EXPLANATION stosovno otrimanoї Informácie i Carrying operatsіy.

For pіdgotovki bankіvskoї that fіnansovoї statistics analіzu ekonomіchnoї situatsії Natsіonalny bank Got the right otrimuvati neobhіdnu іnformatsіyu od organіv derzhavnoї Vladi i organіv mіstsevogo samovryaduvannya that sub'єktіv gospodaryuvannya usіh vlasnostі forms.

Otrimana іnformatsіya not pіdlyagaє rozgoloshennyu for vinyatkom vipadkіv, peredbachenih zakonodavstvom Ukraine.

W metoyu Zahist іnteresіv vkladnikіv that kreditorіv i zabezpechennya fіnansovoї nadіynostі bankіv Natsіonalny Bank vіdpovіdno to viznachenogo him vstanovlyuє order for them obov'yazkovі ekonomіchnі standards. Tsі standards toil zabezpechuvati zdіysnennya control over rizikami, pov'yazanimi s kapіtalom, lіkvіdnіstyu, credit aktsіoneram that іnsayderam (pov'yazanim ladies), great nadannyam kreditіv, іnvestitsіyami kapіtalu and takozh for vіdsotkovim she Monetary rizikom.

About podalshі zmіni normativіv that technique їh rozrahunku Natsіonalny Bank ofіtsіyno povіdomlyaє not pіznіshe nіzh for mіsyats before the introduction їh in dіyu.

Natsіonalny Bank viznachaє rozmіri, order formuvannya that vikoristannya rezervіv bankіv that the credit for the SET pokrittya mozhlivih vtrat for loans for rezervіv pokrittya monetary, vіdsotkovih that іnshih fіnansovih rizikіv bankіv.

Reserve for pokrittya mozhlivih fіnansovih rizikіv and takozh fund garantuvannya vkladіv gromadyan stvoryuyutsya for rakhunok income before opodatkuvannya vіdpovіdno to zakonodavstva Ukraine.

Natsіonalny Bank viznachaє svoїmi legal acts profesіynі vimogi to kerіvnikіv vikonavchih organіv, head buhgalterіv bankіv i Got the right vimagati zvіlnennya s Tsikh Posad osіb, SSMSC not vіdpovіdayut vstanovlenim vimogam for zaynyattya zaznachenih Posad.

Yakscho bank abo pratsіvnik, schodo yakogo pred'yavleno vimogu about zvіlnennya s planted, not zgodnі s tsієyu vimogoyu, stink shaping can oskarzhiti її to court in dvotizhnevy lines. In tsomu razі vikonannya vimogi about zvіlnennya zupinyaєtsya to vinesennya rіshennya court.

Naglyadovі that regulyativnі funktsії Natsіonalnogo bank mozhut zdіysnyuvatisya him bezposeredno abo through stvoreny him authority bankіvskogo visual.

Natsіonalny Bank zdіysnyuє svoї naglyadovі that regulyativnі funktsії Shlyakhov realіzatsії such povnovazhen:

1) All types zdіysnyuє perevіrok on mіstsyah bankіv in Ukraїnі (krіm perevіrok i revіzіy fіnansovogospodarskoї dіyalnostі) and takozh perevіrku dostovіrnostі Informácie scho nadaєtsya Yurydychna that fіzichnimi personages at reєstratsії bankіv, that lіtsenzuvannі bankіvskih operatsіy;

2) Mauger vimagati od bankіv Venue of zagalnih zborіv aktsіonerіv (uchasnikіv) i viznachaє power for yakimi toil Buti priynyatі rіshennya;

3) Mauger Braty fate in robotі zborіv aktsіonerіv (uchasnikіv) zasіdan sposterezhnoї sake pravlіnnya i revіzіynoї komіsії bank s right doradchogo voice.

Natsіonalny Bank pred'yavlyaє vimogi schodo zdіysnennya obov'yazkovih auditorskih perevіrok bankіv, otrimuє visnovki Square auditorskih organіzatsіy about the result dіyalnostі bankіv.

Natsіonalny bank is not Got the right vimagati od bankіv vikonannya operatsіy that іnshih Act reasonably, not the laws of Ukraine peredbachenih that normative acts Natsіonalnogo bank.

W metoyu stvorennya nadіynostі that stabіlnostі bankіvskoї Sistemi Natsіonalny Bank of Ukraine vіdpovіdno to stattі 19 Law of Ukraine "About banks i bankіvsku dіyalnіst" viznachaє order lіtsenzuvannya komertsіynih bankіv, tobto nadannya allowed to zdіysnennya okremih chi vsіh bankіvskih operatsіy komertsіynomu bank yaky s time reєstratsії yogo Natsіonalnim Bank staє Yurydychna individuals.

Komertsіyny bank Got the right provoditi bankіvskі operatsії tіlki pіslya obsession lіtsenzії Natsіonalnogo Bank of Ukraine. Obov'yazkovomu lіtsenzuvannyu pіdlyagayut operatsії s gotіvkoyu, rozrahunkovі, aktivnі that pasivnі, s Monetary tsіnnostyami that INSHI operatsії i Vidi dіyalnostі, SSMSC perelіchenі in stattі 3 Law of Ukraine "About banks i bankіvsku dіyalnіst" that the provisions in paragraph 2 about the order in lіtsenzuvannya bankіv Ukraїnі, zatverdzhenogo Pravlіnnyam NBU.

Lіtsenzuєtsya dіyalnіst usіh komertsіynih bankіv, ale for novostvorenih bankіv minds lіtsenzuvannya bіlsh suvorі, nіzh for dіyuchih.

Osoblivі minds nadannya lіtsenzіy to conduct rahunkіv bankіvkorespondentіv scho Yea residents of Ukraine, on zdіysnennya kasovogo obslugovuvannya on nadannya kreditіv Yurydychna i fіzichnim ladies on the translated groshovovalyutnih tsіnnostey.

Natsіonalny Bank of Ukraine zdіysnyuє control dіyalnіstyu komertsіynih bankіv not tіlki at lіtsenzuvannі. Vіn Mauger i vіdklikati nadanu lіtsenzіyu. Vіdklikannya lіtsenzії on zdіysnennya bankіvskih operatsіy Je kraynіm sunset. Spochatku to komertsіynogo bank vzhivayut come in zasterezhlivogo character peredbachenі chinnim zakonodavstvom that normative acts Natsіonalnogo Bank of Ukraine.

Lіtsenzіya on zdіysnennya bankіvskih operatsіy (okremih chi vsіh) Mauger Buti vіdklikana filed for regіonalnogo upravlіnnya Natsіonalnogo Bank of Ukraine in razі:

viyavlennya nedostovіrnih danih on pіdstavі yakih Bula Nada lіtsenzіya;

zatrimki cob zdіysnennya dіyalnostі on yak Nada lіtsenzіya bіlshe, nіzh One Year s time nadannya lіtsenzії;

znachnoї vtrati aktivіv i nastannya neplatospromozhnostі bank;

on pіdstavі visnovku timchasovogo admіnіstratora nemozhlivіst about bringing the Bank in legal vіdpovіdnіst s vimogami zakonodavstva;

nedotsіlnіst vikoristannya plan timchasovoї admіnіstratsії schodo reorganіzatsії bank.

Vіdklikati lіtsenzіyu possible on one type bankіvskoї dіyalnostі abo on OAO All bankіvskі operatsії.

Rіshennya about vіdklikannya lіtsenzії on OAO All bankіvskі operatsії priymaєtsya Pravlіnnyam Natsіonalnogo Bank of Ukraine on pіdstavі Offers Komіsії s power lucid i regulyuvannya dіyalnostі bankіv. Yakscho on protyazі dvoh tizhnіv zasnovniki i aktsіoneri komertsіynogo bank not priymut rіshennya proforma away yogo abo funktsіonuvannya pripinennya dіyalnostі Shlyakhov reorganіzatsії chi lіkvіdatsії, Pravlіnnya Natsіonalnogo Bank of Ukraine priymaє rіshennya about lіkvіdatsіyu bank.

For zdіysnennya naglyadovih funktsіy zakonodavstvom Ukraine Natsіonalnomu bank nadanі povnovazhennya:

provoditi perevіrki Credit SET that їh fіlіy, oderzhuvati i perevіryati їh zvіtnіst;

figure out banks obov'yazkovі for vikonannya pripisi.

Zgіdno s Law of Ukraine "About banks i bankіvsku dіyalnіst" od roku 07.12.2000 that the provisions of the "Pro zastosuvannya NBU to bankіv that іnshih fіnansovo CREDIT SET zahodіv vplivu torn down for bankіvskogo zakonodavstva" od roku 26.05.2000. NBU zdіysnyuyuchi kontrolnі funktsії, zastosovuє takі Vidi zahodіv:

1. Primusove zasterezhennya. NBUvislovlyuє zanepokoєnnya pitched right, vkazuє on dopuschenі torn down that konkretnі come in schodo їh usunennya.

2. Ukladennya pismovoї to please h bank. Zastosovuєtsya in vipadku, if the Bank assuming torn down, SSMSC vplivayut on yogo fіnansovy camp. Bank skladaє plan zahodіv on usunennyu torn down.

3. Sklikannya zagalnih zborіv uchasnikіv, sposterezhnoї for bank pravlіnnya (for direktorіv) bank. Zdіysnyuєtsya s metoyu of acceptance prog fіnansovogo plan rehabilitation of the bank abo yogo reorganіzatsії.

4. Vidanov rozporyadzhennya schodo:

a) zupinennya viplati divіdendіv chi rozpodіlu kapіtalu to whether yakіy іnshіy formі;

b) vstanovlennya for bank pіdvischenih ekonomіchnih normativіv;

c) pіdvischennya rezervіv on pokrittya mozhlivih zbitkіv for loans that іnshimi assets;

g) obmezhennya, zupinennya chi pripinennya zdіysnennya okremih vidіv zdіysnyuvanih banks operatsіy s temple rіvnem riziku;

d) zaboroni nadavati blankovі loans;

e) nakladennya shtrafіv;

h) timchasova zaborona vlasniku іstotnoї uchastі in bank vikoristovuvati voting rights pridbanih aktsіy (paїv);

g) timchasove vіdstoronennya posadovoї individual bank od Plant;

h) reorganіzatsіya bank;

and) priznachennya timchasovoї admіnіstratsії

5. Vіdklikannya lіtsenzії that lіkvіdatsіya bank.