Memleket basshysynyng «Qazaqstan Respublikasy azamattarynyng tólem qabilettiligin qalpyna keltiru jәne bankrottyghy turaly» Zandy әzirleuge sebep bolghan – halyqtyng shamadan tys kredittik auyrtpalyqtary men jalpy azamattardyng edәuir bóligi ózderining qarjylyq jaghdaylarynyng nasharlauymen betpe-bet kelgendigi.

Zan, 3 týrli – sottan tys bankrottyghy, sot bankrottyghy jәne tólem qabilettiligin qalpyna keltiru rәsimderin qarastyrady.

Barlyq ýsh rәsimdi tek boryshker ghana bastaydy, yaghny nesie berushi nemese ózge kreditor boryshkerge qatysty búl rәsimderdi qoldanugha qúqyghy joq.

Birinshi rәsim: Sottan tys bankrottyq tek bankter, mikroqarjy úiymdary jәne kollektorlyq agenttikter aldyndaghy qaryzdar boyynsha qoldanyluy mýmkin.

Búl rәsimdi qoldanu ýshin kelesi sharttar oryn alady:

1. bankter, mikroqarjy úiymdary men kollektorlar aldyndaghy bereshek 5,5 mln tengeden (1600 AEK) aspasa;
2. ótinish bergen kýnnen bastap qatarynan 12–ay ishinde mindettemeleri ótelmeui tiyis;
3. mýlik, onyng ishinde ortaq menshiktegi mýlik joq boluy;
4. bankpen bereshekter boyynsha júmys jýrgizu;
5. bankrottyq 7 jyl boyy qoldanylmau qajet.

Sonymen qatar, Zang jobasymen:

• 6 ay ishinde atauly әleumettik kómek alatyn azamattar ýshin;
• 5 jyldan astam uaqyt qaryzy ótelmegen azamattar ýshin erekshe jaghdaylar qarastyrylghan.

Sottan tys bankrottyq «Elektrondyq ýkimet» veb-portalynda bastalady. Sodan keyin aqparattyq jýie arqyly boryshkerding kiru kriyteriylerine sәikestigin anyqtau maqsatynda mýddeli memlekettik jәne basqa organdardyng derekterimen avtomatty týrde salystyru jýrgiziletin bolady.

5,5 million tengeden asatyn qaryzdar boyynsha jәne basqa da bereshek týrleri boyynsha azamattar sot bankrottyghyna jýgine alady.

Sot bankrottyghy maqsaty bankrottyng mýliktik massasy esebinen kreditorlardyng talaptaryn barynsha qanaghattandyru bolyp tabylady.

Eger jalghyz túrghyn ýy kepil zaty bolyp tabylsa, onda kreditor ony qaytaryp alugha qúqyly.

Jalghyz baspana kepil bolmasa, kreditorlar ony talap ete almaydy.

Qalghan ótelmegen soma, eger boryshkerdin belgileri bolmasa esepten shygharugha jatady.

Sot bankrottyghy rәsimin qarjy basqarushylary jýzege asyrady, onyng ishinde:

• Zandy túlghalar bankrottyghy rәsimindegi әkimshiler;
• Kәsiby buhgalterler;
• Zang konsulitanttary;
• Auditorlar.

Barlyq boryshkerler qarjy basqarushylarynyng qyzmetterin tóley almaytynyn nazargha ala otyryp, zang jobasynda, mýlki joq, әleumettik osal toptaryna jatatyn adamdargha memleket esebinen aqy tóleu kózdelgen.

Ýshinshi rәsim – ol tólem qabilettiligin qalpyna keltiru rәsimi, túraqty tabys bolghan jaghdayda, qaryzdy tóleu ýshin (5 jylgha deyin) sot tәrtibimen bólip tóleu josparyn alu mýmkindigin qarastyrady.

Sauyqtyru jospary qarjy baqarushymen birlesip әzirlenip, sotpen bekitiledi.

Búl proseduranyng artyqshylyghy, keyin adam «bankrot» degen mәrtebesin almaydy, sondyqtan bankrot ýshin kózdelgen saldar oghan qoldanylmaydy.

Bankrottyqtan keyin payda bolatyn saldar:

1. 5 jylgha nesiyeler men kreditter alu shekteui;
2. 7 jyldan keyin ghana bankrottyqqa qayta jýginu qúqyghy;
3. 3 jyl qarjylyq jaghdayyna monitoring jýrgiziletin bolady.

Aliyment óndiru, basqa adamnyng ómiri men densaulyghyna keltirilgen ziyandy óteu, sonday-aq qylmystyq qúqyq búzushylyqtar ýshin keltirilgen ziyandy óteu boyynsha bereshekterdi esepten shygharylmaydy.

Zang jobasynyng maqsaty – zang normalaryn búzghany ýshin tiyisti әkimshilik jauapkershiligin belgileu.

Mysaly - azamattyng kreditorlar aldynda ózining mindettemelerin oryndaudan jaltaru maqsatynda bankrottyq turaly aryzben әdeyi ótinishi ýshin kóleminde aiyppúl kózdelgen;

- sonday – aq sottan tys bankrottyq, tólem qabylettiligin qalpyna keltiru jәne sot bankrottyghy shenberinde jalghan mәlimetter bergeni nemese mýlikti (ol turaly aqparatty) jasyrghany ýshin kózdelgen;

Sonymen qatar, sot bankrottyghy jәne tólem qabilettiligin qalpyna keltiru rәsimderining tәrtibin  búzghany ýshin qarjy basqarushysyna jauapkershilik engiziledi.

Jalpy, úsynylyp otyrghan normalar osy saladaghy zandy qatang saqtaugha baghyttalghan.

Jalpy, Zandy iske asyru:

- azamattardyng boryshtyq jýktemesin azaytugha;

- әleumettik shiyelenisti jenildetu jәne qarjylyq sauattylyqty arttyrugha;

-  qaryzdy óteudi yntalandyrugha alyp keledi.

Memleket basshysynyng tapsyrmasyna sәikes Zang 2023 jyldyng qantarynda qabyldanady.

Azamattar ótinishterimen 2023 jyldyng nauryz aiynan bastap jýgine alady. Qantar-aqpan ailarynda qarjy ministrligi, Sifrlik damu ministrligimen birlesip kezen-kezenimen úiymdasytru-tehnikalyq sharalardy jýrgizetin bolady.

Qazirgi tanda aqparattyq jýiening prototiypi әzirlenip, onyng testileu men jetildiru júmystary jýrgizilude.

Turgaev Talgat Kaneshovich,

Almaty qalasy Almaly audany boyynsha

Memlekettik kirister basqarmasynyng basshy orynbasary

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