Insolvency - chii ichi?

Chii tsanangudzo kukundikana? Ndezvipi zvayo zvinokosha zvinodiwa uye zvikonzero? Sei pfungwa kuziva insolvency uye chii nezvayakaipira ichi ezvinhu?

Maonero munyika dzakasiyana

Zvino, zvikuru uye kakawanda unogona kunzwa izwi kwete chete vezvenhau asiwo muupenyu hwezuva nezuva. Airevei? Kusawirirana - ndiye kutadza ari nechikwereti kubhadhara zvikwereti zvayo kune zvikwereti. Zvinokosha kuziva kuti munyika dzakasiyana vane mafungiro akasiyana chikwereti. Somuenzaniso, pane chinokosha wemuTesitamende United States uye France, izvo anobvumira munhu sauka munhu kubvisa chikwereti nokusika basa idzva. Mune dzimwe nyika dzokuEurope pane zvakasiyana gadziriro, umo chikwereti vanosungirwa kugutsa chikwereti zvinotaurwa.

MuRussia, zvisinei, zviri yakakodzera izvi chinoreva zvakawanda: apo chinhu anobvumirwa kunyora kure zvikwereti, asi kumwe kumanikidzwa kubhadhara navo. Zvisinei, kana insolvency, kusauka akanzi zvekunyepera, saka haisi mhosva uye saka apara mhosva.

Declaration of kusauka

Chii muitiro kuti kusauka? Ndiani anogona vakakodzera chinzvimbo ichi? Zvinokosha kutaura kuti tinzi kusauka somunhu sangano repamutemo anogona kamwe, uyewo mumuviri. Zvisinei, muna mitemo ano kwemamwe maitirwo ezvinhu pamutemo vari underdeveloped uye saka insolvency, kusauka vanhu zviri anenge asina kuitwa. Nemamwe mashoko, mukana kushanda chaiko vanhu wehurumende ichi haasi kushanda.

MuRussia, ivo kusauka anogona chete kuziva kuyananisa. Naizvozvo, mukuru chiito ndiyo chikumbiro kudiwa kusauka. Mashoko aya anogona kushandisa uye chikwereti uye zvikwereti. chinzvimbo ichi zvinofanira akaratidza: mu kusauka anofanira kuva chaizvo zviratidzo urongwa hwakadaro. Mugumisiro mune izvi ndiko kuchaitwa ane zvebhizimisi, kana munhu azere dzosera mari mitoro womunhu anomukweretesa.

Zviratidzo insolvency

Ndezvipi zviratidzo anogona kupa tsanangudzo insolvency? Chekutanga, ndicho kuvapo zvikwerete chikwereti; chechipiri, nekusagona kubhadhara zvaidiwa kubhadhara kana chikwereti; Chechitatu, Kuwanikwa chikwereti vanopfuura zviuru 10 rubles vanhu uye vanopfuura zviuru 100 rubles - nokuti pamutemo; Pakupedzisira, kuziva nechikwereti kusauka parutivi akakodzera dare.

Kutaura zvazviri kusauka zvekufamba - kumwe yakaoma, uye ayo Implementation zvinoda rubatsiro nyanzvi. Zvinoda kunyatsoverenga nzira uye nguva yakawanda, sezvo dare anogadza richiona zvinhu zviri zvebhizimisi kuti kubvisa mikana zvekunyepera kana chakanga chakafanorongwa kusauka. Zvisinei, kutaura kwacho - haisi nzira chete naro insolvency mamiriro; Pane achiri yakawanda yakasiyana kusarudza kutarisa ruzivo.

How kudzorera mari chinhanho

Financial insolvency haasi chete kuzivikanwa somunhu chokwadi, uyewo izvozvo Vangaedza kupora pamwe matanho akakodzera. The nzira kunosanganisira Kuongorora kwenguva pfupi basa iri kudzorwa, vachishandisa iyo kwema zvose maringe chikwereti pfuma. Izvi zvaida kuti kuchengeta nzvimbo kusvikira mutongo wedare kuyananisa, uyewo kuona chaiye mamiriro zvemari nzvimbo yacho chikwereti.

Financial kupora rinoitwa Via ane administrative kuzvidzora. Chinangwa chikuru chemusha nzira iyi kuti umutsidzire solvency kusauka. Kana vaviri Muzviitiko izvi, chekambani utariri haina yakaturikwa, ivo kwokunze kudzora nzira kunosanganisira kubviswa zvakafanana. Panguva nzira kukanzura Zvirango zvose uye zvimwe mhosva Lenders, asi maneja vanosungirwa kusika chirongwa rokudzorera mari uye zvinhu zvakanaka uye kuripa chikwereti.

maneja itsva

Pfungwa insolvency zvinosanganisira nzira dzakasiyana siyana. Uye sei anogadzwa maneja zvichiongororwa nzira uye mari kupora? In yakadaro anokonzera pambiru yasarudzwa National ari nhengo imwe vamiririri masangano kuyananisa mamaneja. Gadzai maneja kunogona chete kuva munhu asina chero zvakananga kubatsira kubva kusauka. In kufanana mari kunaya maneja itsva chikwereti anogona kuita mamwe mabasa, asi chete kana hazvivhiringidzi pamwe kusauka zvekufamba, uye zvachose kubvisa chero anoitika mubereko.

The prerequisites ndiwo: dzakakwirira chaiyo dzidzo, basa ruzivo mune rekuva maneja kuti gore mumwechete, chokuendesa zvikuru zvaitwa nemutoo bvunzo. Bankruptcy maneja zvakare Usava wemhosva chinyorwa.

kwikwidzana nzira

Zvichireva insolvency kutakura yakawanda nematambudziko, saka pamwe chete zvemari vapore nemamwe nzira inoshamisa dziri kushandiswa makwikwi nzira.

Chinangwa mumakwikwi ndiko kuti vagadzirise matambudziko chokuita chikwereti chikwereti, uye zvakawanda zvakananga - the nomination chepfuma kutengeswa. Pashure kutengeswa wenhaka anouya panguva kuripwa zvikwerete chikwereti ari kuti mutsetse. makwikwi kwakadaro kunogona kuitwa nechisimba kana nokuzvidira. Kwete hazvo ari kusauka iri sale, zviri akagovera chikwereti, asi chete achiita zvaidiwa kusauka murayiro. A nzira yakafanana zvinogona kushandiswa zvese zviri pamutemo masangano uye vanhu. Insolvency - a chinzvimbo kuti anogona kupiwa siyana Mapato vomuUmambo uye mabhizimisi.

yakawiriranwa chibvumirano

Panewo zvakawanda nzira imwe yokubata kusauka, anotaurwa so "kugarwa chibvumirano." chibvumirano ichi, akagumisa pakati nechikwereti uye zvikwereti. Rinoshandiswa kugadzirisa nyaya dzose pamusoro kugadzirisa chikwereti. Insolvency - ezvinhu kuti zvechokwadi kuratidza kudare. Chete pashure nzira iyi, iyo chikwereti ane kodzero vanoti mhedziso chibvumirano.

chibvumirano ichi chiri kugadziriswa mumatare uye arbitral chekutonga anogona kusangana naye. Rokumanikidzirwa chinotaurwa pana kwemamiriro kugarwa chibvumirano chiri chibvumirano kuti nzira iyi kumativi ose. Pashure kwemamiriro chibvumirano ichi anotanga muitiro kugadzirisa kuti chikwereti mamiriro (yakavamba kubhadhara, Shanduro mubereko, ichinonoka kubhadharwa).

Mhedziso uye hama insolvency

Muitiro uyu muitiro mutemo kuonekwa zvechokwadi. itsva, nokuti kusauka mamiriro akazviratidza zvikuru achangobva. shoko insolvency izwi pachayo hunogara pamusoro rokuti "insolvency". The yokupedzisira, akavapindurawo, rakakamurwa hama uye mhedziso.

Mhedziso insolvency inonzi kusauka, uye hama zvinoratidza ane KUKUNDA kuti insolvency achishandisa zvibvumirwano pakati chikwereti uye chikwereti, Yakabudiswa.

Legal tsanangudzo insolvency inorondedzerwa yeUnited mutemo "On Bankruptcy"; ndiko kutadza ari ngava dzosera kuti Nokurasikirwa zvizere pamusoro mari mitoro kuti chikwereti kana zvinodiwa kuti kwokuripirwa kwairayirwa kubhadhara, izvo kuzivikanwa arbitral pechigaro chokutonga. Zvisinei, zvinokosha kuyeuka kuti insolvency uye kusauka zvinoshandiswa sezvo anoreva zvakafanana.

vanhu

Kuwedzera, masangano akasiyana-siyana akatanga kuva varombo. Uye chikonzero izvi zvikuru zvizhinji here. Asi kusawirirana - iri izwi kuti rinoshanda vanhu. Kuti mugari akataura kusauka, zvakakodzera kufunga zvinoverengeka: zvikwereti ake kunofanira kupfuura hafu yemiriyoni rubles; kushaya muripo vachibhadhara vanofanira anopfuura 3 months. Kana izvi zvinodiwa varipo, uye mugari haanzi kusauka, yakanga wozouya mitemo vamwe uye kurambidzwa kunamata.

Kwemakore anoverengeka, ari mugari haagoni kuita entrepreneurial basa, haifaniri kodzero kuwana zveutungamiri, kwete kutora chikwereti chero bhengi. Kusvikira iyoyo, kusvikira pasina kusauka zvekufamba, kuti mugari havazokwanisi kuenda kunze kwenyika. Uye ichi hachisi mazita izere kurambidzwa.

Legal chokuita insolvency

Legal kusawirirana zvakanaka rakagadzirirwa Mapato zvose, izvo kuwira pasi mamiriro kusauka. More zvakananga, zviri pamutemo mutemo unobereka uremu zvakaoma zviyero kuburuka kubva kusauka mamiriro, uyewo pakazovharwa ose chikwereti zvikwereti. Chokwadi, somugumisiro nezviyero izvi zvinogona akatengesa zvose enzvimbo zvebhizimisi, asi kupfuura izvozvo zvinofanira kuva, hakuna achakutorerai. Sezvo kutanga kuziva ane kusauka zvebhizimisi, munhu wacho entrepreneur, munhu rinomira chero dzakava kufarira, Zvirango kana delinquencies.

Insolvency - urongwa pasi iyo vanowira yakasiyana Mapato vanhu. Uye kana pane Mapato asingagoni kuwira pasi pfungwa kusauka? Hongu, pane. Izvi zvinosanganisira emakambani ehurumende, masangano ezvitendero, mapato ezvematongerwo enyika.

zvekunyepera kusauka

Kazhinji, kutanga basa rako pachako, Entrepreneurs havagoni zvakarurama ngaaverenge urongwa yose kuitisa bhizimisi, nokudaro vachiwedzera mikana kusauka. Zvisinei, kusawirirana - hazvisi chete ngozi chaiyo, asi imwe nzira yokunyengera, izvo anonyengera vanamuzvinabhizimisi. danho iri kugadziriswa vazhinji zvikonzero. Somuenzaniso, kuti arege kuripa mari kwemitoro sezvo ayo chikwereti, uye kune vanhu kana voruzhinji miviri. Zvisinei, kuratidza zvekunyepera kusauka rakanyatsojeka chaiye, uye chirango nokuda unyengeri yakapiwa zvikuru zvakakura. Get akanyengerwa kana yakanaka kubva 80 000 kusvika 300 000, kana kurambidza achiitisa bhizimisi kwenguva 12 kusvika 36 mwedzi, kana kuti kusungwa chairo kusvika 72 mwedzi. Naizvozvo, zvinokosha kufunga kudiwa unyengeri hwakadaro uye kuti havo kuva mutoro nayo.

How kudzivisa kusauka

Musafunga kuti kukundikana - chinhu chisingadzivisiki chichingoitwa. Izvi kutsausa. Bankruptcy zvingadziviswa kana kutevera vamwe matanho: kuti zvimwe matura mari ive sangano kuwedzera zveminda kubva kwema kana kutengesa (rokutengesa havafaniri kuwedzera nokuderera mitengo, uye kushambadza, kuwedzera vatengi, etc.). Edza vabvume vatengi kwaunoita kudiwa pachine muripo kwema, kuongorora chirongwa kunonoka kubhadhara uye kunoshamisa invoices, kuongorora nenguva Clearance nenhoroondo, edza optimize negadziriro rokutengesa nhumbi uye mabasa, akacheka tsvimbo, kana vamwe vavo havadi zvachose. Sezvingatarisirwa, hazvina zvakakodzera kuti aendese vashandi vose kana kuburikidza mumwe, zvikasadaro hapana kuchabatsira kukura mubhizimisi, asi chete kutaura chii angava rutapudzo kuti mudonzvo, achaita kuti chikwata basa zvinobudirira.

Bankruptcy sezvo kuenderera nzira

Pasinei chokwadi kuti anotaura kusauka kunokonzerwa zvakawanda zvisingafadzi pfungwa, ichi hachisi mugumo. Insolvency, kusauka - imwe tsanangudzo kuti anogona kupihwa mukana wechipiri kuti kambani kana sangano. Dzimwe nguva, sangano haisi collapsing, kwete acharega dzakawanda kana kuti kunyange mazana vanhu, asi kuchinja musoro. Hungu, zvinobvira kuti kurasikirwa Investments, mari, pfuma, asi panguva imwe chete azviwanira mukana wechipiri. Vazhinji vakakwanisa kukwira kubva pasi kamwe, usakanda mapfumo, uye kechipiri. Chimwe chinhu ndechokuti kana rava kusauka kambani kana sangano. Chii anonzwa kusauka, ari inongoitika munhu? Insolvency, kusauka kana ichi nemhosva mbiri ndaitya kutaura. pano chete mutemo pamusoro mugari parutivi, akazvituma kuna pfuma yake rakaramba, uye murume akasara kunorira. Chokwadi, dzakapfuma kubva kusauka hapana, asi kufunga izvozvo kuguma nzira iri zvachose kufanira.