Finansove_pravo_2 / Bank_pravo-Vashenko
.pdf=* + , !&" + $!M!), " E!D <!+ E ! ,= E!@ R% . + #!& =!+*'% $ =, +" & +? + ;$A #*' "& M! ! ,= #E &J !#$", E% %- &" I$A# !#$!&" "#$A E" E #"& ! % J*& <"& +!R$"& $ #?*JH!- & = !#"H, +" ;$A E! # % M! ! CA!@!.
&?% " & %D*?A$ $" E% %&" + E! *R% " & # !&+ E ! &%-% + #!&!, + @ $ + #!& = !+*'% $"& D D < ;$A# & !D "- ?" I +$ E ! E% %&" +*.
#!H? & *& @ E" < # E% %&" + ' I E "? $ # $ !&- ?% ; E!& !$ $ #&!I< # !#$" !E H*$+*& & + # = @!$"&+!- & = =! J% A, ! % J = E" E I'#$&!' (D % ?"D!& * E !-*+C";, E ! " $!& , & +! " !H!$ , " E!#?*@ " D E!D % ?"D C"F " !E% C", $!M!).
K" < # E% %&" + ?"D*I$A# D @ ?A F #$ + #!& = !H! !- $"& =! J% A @!$"&+ D + # H +* ! + # E" #$ &" H +"A+ = & E #!+ D E!$!< ' =* + ' E" E I'#$& .
T&" ;$A# H +"A+" & E #+ (D #*' ' +!R$"&, M! ! % J -" D H +*, " $ ' ) $ &" E!&" " D E # & + #!&"F + D" D ' E H*$+!& = + #!& = ! % "&. D" E!$ %H '!J*$A $ +!J E! "- & ;& $ # " +! " C"& @ !R!& = <%+"& "D & E #+ ' H +*.
# @!$"&+ , M! =! $A ! + #, ' I #&!I< # ! $ & E!& "F #*'" !E H*$+!&*& $ # . K! !+ !E H*$+*& @!$"&+ & + -
# =, * $!'* < #?" " E" < # !D =* +"& "D D #$!#*& ' ( ), & D <% ! & E* +$" 2.6 K!?!J% .
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
T E!$ %H!; E!@? H?% !, E% %&" + E!& !@! !E H*$+*& & + #" @!$"&+!& = +!R$"&, ! % J = D "D = J% %?, '!J*$A - ?"D*& $ # $ +!J !H! !$ D &" !'"#$; J* ?*-! % 1 D %H%- $!' #*H =* +* 301 « # & C"! ?A "F & ?;$"» E! "& ! D !H! !$ ' D + % $!' +!J !@! +! %#E! *;<!@! =* - +*/#*H =* +* (311 «K!$!< " =* + & C"! ?A "F & ?;$"», 37 « !D =* + D "D ' %H"$! ' », 63 « !D =* + D E!#$ < ?A-+ ' $ E" + ' », 661 « !D =* + D D !H"$ !; E? -
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$!;», 662 « !D =* + D %E! % $ ' », 681 « !D =* + D & -
# ' ! % J ' » $ " R = =* +"&) D E! ?AR ' E! "& ' ,= "D &" E!&" ' D E # ' & + #!&"F + D" $ ' !+*'% - $"&, +" E" $&% J*;$A +$ < % ! % J E" E I'#$&!' E%&-= #*' @!$"&+ * &" E!&" " #$ !+ .
"' $!@!, ? +! $ !?; D E!& ' " #&!I< # ' !E H*$+*- & ' @!$"&+ +! + %$ ' E" E I'#$&!' ! @ +! $ !?; '!- J*$A D #$!#!&*& $ &" E!&" " D*#$ "< " !+*'% $ ?A " E% %&" - + , M! D "F# ;;$A# H%DE!#% % A! * E" E I'#$&-E!+*EC"& (D '!& +"&), +" #E? $ ? @!$"&+!&" +!R$ , R? =!' D ?*<% &" E!&" = E% & = !+*'% $"& $ &D I' !@! D&" + #!& =!+*'% $"& !$ '*& <"& @!$"&+ D ' E!+*EC"&.
K" < # E% %&" + ! @ +! $ !?; ' ;$A H $ ! *& @ $%, M! D & !#$" & + #" E" E I'#$& @!$"&+ , + % E" $&% J% E H*$+!& ' + #!& ' ! % ' , &! && J I$A# %!E H*$- +!& !; & + #" $ D =!&*I$A# & !=" E" E I'#$& .
&?% " E" < # E% %&" + E! *R% E! +* !E H*$+*- & =! J% A @!$"&+ &" !H J ;$A# & !D "?" II +$ E ! E% %&" +*.
K" < # E% %&" + !$ ' E" E I'#$&!' ?"'"$* + # & - D < I$A# & "#$A # '!#$"F ! $ !&?% !@! ?"'"$* + # $ &"-E!&" "#$A F!@! !D =* +* & '!@ ' CA!@! K!?!J% , *$!<-;;$A# D + D ' , !DE! J% ' < " R ' !DE! - < ' !+*'% $ ' #*' # '!#$"F ! !&% % = E" E I'#$&!' (; < !; !#!H!;) ?"'"$"& + # #&!,' &" !+ %'?% ' E" !D-"? '.
K" < # E% %&" !+ D’ #!&*I$A# $%, + E" E I'#$&! !$ '*- I$A# $ !&?% !@! ?"'"$* + # , #$ !+"& " E! +* D & @!- $"&+!&!, & *<+ . "' $!@!, ' I & =!&*& $ # $%, M! +!R$ , +" ! % J " D + # H +* H! #E '!& " D & *<+ & E? $ , E!&’ D " D !E? $!; E C", '!J*$A &" E!&" ! ! E* +$* 2.10 K!- ?!J% E !$ @!' $ A!= — E’ $ !H!< = "& DH% "@ $ # & + #" E! *#$ !&?% F ?"'"$ + # .
? & D <% E! ?"'"$ = D ? R+"& @!$"&+ & + #" E! "&-;;$A# D E # E ! +$ < " ,, D ? R+ & + #" D + #!&!; + - @!; D *#$ !&?% ' ?"'"$!' + # D +!J F % A %D ?%J ! &" $!@!, D "F# ;& ? # & C%F % A + #!&" !H! !$ ( =! J% " & $ $ @!$"&+ ) < ". [+M! & E% "! ", M! E% %&" I$A# , & &?%-! E% %& M% ?"'"$* + # , $! D’ #!&*I$A# , E !$ @!' +!@! < #* (* =) " +" E! ?"'"$ " #*' % D & ? # & *#$ !&?% " #$ !- + ! H +* " D +!, E < , $ +!J D @ ?A #*' E! ?"'"$-= D ? R+"&.
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1.#!&% !H#?*@!&*& — C% E!#?*@ D E F' , & <" $ !H'" * @!$"&+ .
2.+ # '!#$"F ! & D < I E% %?"+ + #!& = !E% C"F $ " R = E!#- ?*@, +" E !E! *;$A# +?"I $ ', +M! " R% % %@? '% $*I$A# D +! !-&< ' +$ ' .
3.+ E" #$ &" #$ *+C", E ! + #!&" !E% C", & H + = + , $ D * =*& ' E% %?"+* !E% C"F, M! E !&! $A# , ' ;$A !D !H $ " D $&% $ & *$ "R " E!?!J% (" #$ *+C",) E ! ! @ "D C"; !H!$ M! ! D "F# % + #!& = !E% C"F. #$ *+C", '"#$ $A# & '!@ ! D'"#$* C = E!?!J% A.
4.#!&" !E% C", D "F# ;;$A# E" #$ &" $ + = + #!& = !+*'% - $"&: D & E% %+ D @!$"&+ ; E H*$+!&!-& $+!& F + #!& F ! % ; D & & <* @!$"&+ ; E H*$+!& F + #!& F ! % ; & $+!& F + #!- & F ! % ; @ !R!& F <%+; =* + #E? $* E? $%J"& $ !+*'% $ , *#$ !&?% " &" E!&" !; E? $"J !; # #$%'!; ? &" E &?% E% %- + D* @!$"&+ $ !$ ' F!@! & @!$"&+!&"F ! '".
5.?"I $ ' I E &! D D < $ & D &" E% %+ D @!$"&+ $* & ?;- $*& , + % '!J% E% %& M*& $ 10 + ?% = "& E"#? #+? -+ #!&!@! !+*'% $ ( % A #+? % & =!&*I$A# ). [+M! $ & ?;$*& E% %& M*I 10 + ?% = "&, $! H + % E F' I + #!- & F !+*'% $ ! & +! .
6.K! !+ D "F# % + #!& = !E% C"F +?"I $"& H +"& %@? '% - $*I$A# K!?!J% ' E ! &% % + #!& = !E% C"F * C"! ?A "F & - ?;$" & + , ", D $&% J% ' E!#$ !&!; K &?" C"! ?A !@! H +* + , &" 15 @ * 2004 . - 637.
7.< #*' @!$"&+!&!@! !D =* +* ! !@! E" E I'#$& (E" - E I'C ) D " R ' E" E I'#$&!' (E" E I'C%') E !$ @!' ! !@! D ! ' H! +"?A+!' E? $"J ' !+*'% $ ' $ !&?;I$A# &" E!- &" !; E!#$ !&!; K &?" C"! ?A !@! H +* + , . K? $%J" E! D D <% * @ < * #*'* E !&! $A# & +?;< ! & H%D@!$"&+!&"F! '". "?A+"#$A E" E I'#$& (E" E I'C"&), D + ' D "F# ;;$A# !D-=* + , E !$ @!' % !H'%J*I$A# .
8.C"! ?A F H + + , ' I E &! $ !&?;& $ !H'%J% D & <" @!$"&+ D E? $"J ' + $+ ' .
9.=! < D E!$ %H E #+! % !H"@* @!$"&+!& = +!R$"& " #&!I- < # !@! ,= =! J% ! + # H +"& ? E" E I'#$&, M! D "F# ;;$A !E% C", D @!$"&+!; & C"! ?A "F & ?;$", *#$ !&?;;$A# ?"'"$ + # $ #$ !+ D & @!$"&+!&!, & *<+ (@!$"&+ ).
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10. " E!&" ?A "#$A D !$ ' E! +* &% % !E% C"F D @!- $"&+!; E!+? I$A# E" E I'C"&, +% "& +"& E" E I'#$&. #!H ,+" & " & E! *R% " E! +* &% % !E% C"F D @!$"&+!;, E $ @*- ;$A# ! &" E!&" ?A !#$" & *#$ !&?% !'* D +! ! $&!' + , E! +*.
$&$+, /!
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# / % «A % + " D + ;+» " 7 " D 2000 . E 2121-III // > % % # / %. — 2001. — E 1—2. — ;. 1.
# / % «A " G " ; G # / » " /# / % " 24.12.93 . E 3813-XII // " ' ; & / H "%. — 1994. — E 15. — ;. 84.
= ; D / & # / %, ! ; "G A ;- @ A D + # / % E337 " 14.08.2003 // > % % # / %. — 2003. — E 37. — ;. 1999.
A G D " D %& + @; # / , ! ; "G ; @ A D + # /- % " 15 " D 2004 . E 637 // % # 2005, N3 (" " ; ) — 10.03.2005.
D. ., . 8. I% : #$ - % " D ; " ; @ %"%$%& ! % > +; ; . — L + : , 2003. — 360 .
"' . 8. + : $. % . — *.: ? ' = ; , 2004. — 376 .
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§1. $ %!'! /+ ; != ! ).
§2. &! !/! #"$"% ! )$ % ;+!%!= /+- ; != ! ).
§3. $ /$& '$ % ' &! $& /$' , != & ="- % $) & B !)! * )! % E!= * =.
§4. $& '$ ' B $&$+> $& /$' , !-
)! & =" )! $) & B != * %.
§ 5. &4 ) ;* % , != &$& =" % % & ( .
§ 1. "
T @ ?A " D # * +C"! *& E? $"J = # #$%' &+ , " & D <% " & T +! " + , «K ! E? $"J " # #$%' $ E%-%+ D @ !R%F & + , "».
" E!&" ! ! #$ $$" 1 CA!@! T +! * E? $"J # #$%' — C% E? $"J ! @ "D C" , <?% E? $"J !, # #$%' $ #*+*E "#$A &" -!# , M! & + ;$A '"J ' E E !&% % " E% %+ D* +!R$"&. K !&% % E% %+ D* +!R$"& I !H!&’ D+!&!; * +C"I;, M! ' I & +! *& $ E? $"J # #$%' .
T@" ! D" #$ $$%; 9 &+ D !@! T +! * !H !H+ $ E% % < & '%J = + , %?%+$ ! = $ E E% !& = !+*'% $"& E% %+ D,!+*'% $"& D !E% C" ' "D D #$!#*& ' #E%C" ?A = E? $"J-= D #!H"& $ !+*'% $"& &" +? + '!J*$A D "F# ;& $ # D !E!'!@!; + & *$ "R A! % J & =, $ + " '"J ! = E? - $"J = # #$%', M! ";$A & + , ".
*$ "R A! % J & E? $"J # #$%' — E? $"J # #$%' , &+"F E? $"J ! @ "D C" I %D % $!' $ + D "F# ;I #&!; " - ?A "#$A " D H%DE%<*I E !&% % E% %+ D* +!R$"& & +?;< ! & '%- J = + , .
"J ! E? $"J # #$%' — E? $"J # #$%' , & +"F E? $"J ! @ "D C" '!J% H*$ + %D % $!', $ + " % %D % -
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$!' " + D "F# ;I #&!; " ?A "#$A $% $! ", &!= " H"?AR% + - , $ D H%DE%<*I E !&% % E% %+ D* +!R$"& * '%J = C"I, E? $"- J !, # #$%' , * $!'* < #?" D ! "I, + , & " R*;
K! !+ " ?A !#$" E? $"J !, # #$%' & D < I$A# ,, E & - ? ' , $ !&?% ' E? $"J !; ! @ "D C"I; &" E!&" !, E? $"- J !, # #$%' . K & ? E? $"J !, # #$%' (+ "' & *$ "R A!H - +"A+ = E? $"J = # #$%') ' ;$A $ !&?;& $ ! @ "D C"F *
#$ *+$* * E? $"J !, # #$%' , *'!& <?% #$& , E! !+ $*E* $ & =! * "D # #$%' , E C E & +! !+*'% $"& E% %+ D, &"-E!&" ! ! & D <% !@! * #$ $$" 9 (E* +$ 5), &" +? + !+*- '% $"& E% %+ D, E! !+ & "R% #E! "&, *E &?" D - + ' & # #$%'", # #$%'* #$ =*& , # #$%'* D = #$* " ! ' C",, E! !+ E !&% % %+! # ? C", $ " R" E!?!J% , & D <% " E? $"J !; ! @ "D C"I;.
K & ? &" E!&" !, E? $"J !, # #$%' , $ +!J !@!&! , M! *+? ;$A# '"J *< # + ' C"I, E? $"J !, # #$%' (+ "' & *$ "R-A!H +"A+ = E? $"J = # #$%'), E!& " E% % H < $ E! !+ & %@*?;& %E? $!#E !'!J !#$" $ " R = & E +"& %D $ !#$" & +! <?% ' E? $"J !, # #$%' #&!,= D!H!&’ D A.
+ & D < I *'!& $ E! !+ * +C"! *& &? # !, & *- $ "R A!H +"A+!, E? $"J !, # #$%' D * =*& ' & '!@ D - +! * $ ! ' $ & !-E &!& = +$"& C"! ?A !@! H +* + , .
K & ? & *$ "R A! % J & !, E? $"J !, # #$%' $ '"J !-!, E? $"J !, # #$%' , E? $"J !; ! @ "D C"I; +!, I %D % $, ' ;$A H*$ *D@! J% " E? $"J !; ! @ "D C"I; C"I, E? $"J !, # -
#$%' D C"! ?A ' H +!' + , .
K E !&% % " E% %+ D* E? $"J " # #$%' ' ;$A E &! D "F-
# ;& $ &D I'!D ?"+ !# !&" +?" @* H! & +! *& $ +!J F!+*'% $ E% %+ D !+ %'!.
? ! '*& $ !H !H+ !+*'% $"& D !E% C" ' "D D -
#$!#*& ' #E%C" ?A = E? $"J = D #!H"&, !+*'% $"& E% %- + D, !+*'% $"& &" +? + E? $"J " # #$%' , $ +!J H + E!& " & +! #$!&*& $ # #$%' D = #$* " ! ' C", $ ' ;$A E &! & +! #$!&*& $ #E%C" ?A " E? $"J " D #!H , " % $ "+ $!-% J $%? #E%C" ?A !@! E? $"J !@! D #!H*, E !@ ' !- $%= "< " D #!H " $%?%+!'* "+ C"F " + ? D&’ D+*.
K! !+ & +! #$ E? $"J ' # #$%' ' , $ +!J !+ %- ' ' H + ' E? $"J = " #$ *'% $"&, E !@ ' !-$%= "< = D - #!H"&, # #$%' D = #$* " ! ' C", $ $%?%+!'* "+ C"F = + ?"& D&’ D+* & D < I$A# E & ? ' C = # #$%' $ &" E!&" ' !- @!&! ' , D * =*& ' & '!@ D +! * $ ! ' $ & !-E &!& =+$"& C"! ?A !@! H +* + , .
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+ , " '!J*$A #$&! ;& $ # & *$ "R A! % J & " H +"&- #A+" $ %H +"A+" E? $"J " # #$%' .
! & *$ "R A! % J & = H +"A+ = E? $"J = # #$%' &" -!# $A# # #$%' '"JH +"A+ = !D =* +"&, # #$%' ' #!& = E? $%J"& $ & *$ "R A!H +"A+" E? $"J " # #$%' .
#$%' '"JH +"A+ = !D =* +"& E D <% ? E% %+ D* +!R$"& * '%J = + , '"J H + ' & +! D!H!&’ D A ,= +?"I $"&, $ +!J &? # = D!H!&’ D A C = H +"&.
*$ "R A!H +"A+ E? $"J # #$%' #$&! ;I$A# H +!' D '%$!; D H%DE%<% FH"?AR #E $? & = *'!& ? E !&% % -E% %+ D* +!R$"& '"J F!@! E" !D "? ' .
#$%' ' #!& = E? $%J"& E D <% ? E% %+ D* +!R$"& D !E% C" ' , M! D "F# ;;$A# ; < ' $ "D < ' !#!H - ' "D D #$!#*& ' E? $"J = " #$ *'% $"&, + "' & D <% !@! E* +$ ' 2.1 $ 2.2 #$ $$" 10 T +! * «K ! E? $"J " # #$%' $ E% %+ D @ !R%F & + , "».
*$ "R A! % J & " %H +"A+" E? $"J " # #$%' ' ;$A E &! D "F# ;& $ " ?A "#$A, E!&’ D * "D E% %+ D!', & +?;< ! E"#? ,= %I#$ C", & C"! ?A !'* H +* + , $ !$ ' &" E!&" !@! !D&!?* C"! ?A !@! H +* + , .
K! !+ %I#$ C", $ !$ ' & *$ "R A! % J & ' %- H +"A+ ' E? $"J ' # #$%' ' !D&!?* D "F# % " - ?A !#$", E!&’ D !, "D E% %+ D!', $ &" +? + CA!@! !D&!?* & D < I$A# C"! ?A ' H +!' + , .
?% !' & *$ "R A! % J & = %H +"A+ = E? $"J = # -
#$%' '!J% H*$ H +, M! ' I H +"A+* ?"C% D"; C"! ?A-!@! H +* + , , $ +!J %H +"A+ " #!& *#$ !& ,+ ' I ?"C% D"; % J & !, +!'"#", D %@*?;& +"& "-#!& = E!#?*@ + , D "F# % E% %+ D* +!R$"&, " +" *+? ? !@!&" D E? $"J !; ! @ "D C"I; &" E!&" !, E? $"J-!, # #$%' .
#$%'" '"J ! = %?%+$ ! = E? $%J"& C"! ?A !@! H +* + , E #& <% #$ $$ 11 T +! * + , «K ! E? $"- J " # #$%' $ E% %+ D @ !R%F & + , "». T@" ! D C"I; #$ $$%;
# #$%' %?%+$ ! = E? $%J"& C"! ?A !@! H +* + , ( K ) — C% % J & # #$%' '"JH +"A+ = !D =* +"&.
%!H=" !; *'!&!; ? E !&% % E% %+ D* <% %D K I $ !&?% H +!' +! %#E! % $#A+ = &" !# D C"! ?A-' H +!' + , R? =!' &" + $$ +! %#E! % $#A+!@! - =* + & C"! ?A !'* H +* + , .
K! !+ * +C"! *& K , E F $$ " & +?;<% D ,, <?% "&, E !&% % E% %+ D* D !E!'!@!; C"I, # #$%' $ " -
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C"! ?A F H + + , %@? '% $*I $ D H%DE%<*I * +- C"! *& K , @ $*I ,, "F "#$A " H%DE%+*, ! @ "D!- &*I $ H% % *< #$A * E !&% % " <% %D %, '"JH +"A+!@! E% %- + D*.
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" E!&" ! ! #$ $$" 12 T +! * + , «K ! E? $"J " # #$%- ' $ E% %+ D @ !R%F & + , "» H + , $ +!J %H +"A+" "-#!&" *#$ !& , +" ' ;$A ?"C% D"; % J & !, +!'"#", D %@*- ?;& +"& " #!& = E!#?*@ + , D "F# % E% %+ D* +!R$"&, ' ;$A E &! *+? $ !@!&! D E? $"J ' ! @ "D C" ' '"J ! = E? $"J = # #$%' E ! <?% #$&! H! E ! *< #$A * C = # #$%' =. + , $ +!J %H +"A+" " #!&" *#$ !& , +" ' ;$A ?"C% D"; % J & !, +!'"#", D %@*?;&+"& " #!& = E!#?*@ + , D "F# % E% %+ D* +!R- $"&, D!H!&’ D " D %I#$ *& $ *+? % " !@!&! & E! +*, $ -!&?% !'* C"! ?A ' H +!' + , .
'!& !@!&! "& '"J H + ' , %H +"A+ ' " #!& ' *#$ !& ' $ E? $"J ' ! @ "D C" ' '"J ! = E? $"J =
# #$%' E ! <?% #$&! H! *< #$A M! ! !H'%J% E & H +"&, %- H +"A+ = " #!& = *#$ !& $ ,= E % #$ & +"& H*$ <?% - ' H! H $ *< #$A * " R = '"J ! = E? $"J = # #$%' = $ D # !& = D ,= *< #$; ! @ "D C" =, I % "F# ' .
K? $"J " ! @ "D C", & *$ "R A! % J & = E? $"J = # #$%' $ " R" ! @ "D C",, D # !& + ' (*< # + ' ) + = I H + , $ +!J%H +"A+" " #!&" *#$ !& , +" ' ;$A ?"C% D"; % J & !, +!- '"#", D %@*?;& +"& " #!& = E!#?*@ + , , M! *+? - ;$A !@!&! D E? $"J ' ! @ "D C" ' '"J ! = E? $"J =
# #$%' E ! +!?%+$ & * *< #$A ,= <?% "& * C = # #$%' =, D!H!&’ D " D %I#$ *& $ $ +" !@!&! & C"! ?A !'* H +* + , & E!-+*, $ !&?% !'* C"! ?A ' H +!' + , .
? %I#$ C", !@!&! "&, D D <% = * E* +$ = 1, 2 #$ $$" 12,C"! ?A F H + + , ' I E &! & ' @ $ !+*'% $ M! ! E! +* E !&% % H + ' " %H +"A+ ' " #!& ' *#$ !& ' E% %+ D"& +!R$"& * '%J = C = '"J ! = E? $"J-= # #$%' $% $! ", + , .
K? $"J " ! @ "D C", '"J ! = E? $"J = # #$%' — %D -% $ D!H!&’ D " E!&" !'? $ C"! ?A F H + + , E !
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*+? % " !@!&! D % %D % $ ' M! ! ,= <?% #$& $ *< #$" & C = # #$%' = * E! +*, $ !&?% !'* C"! ?A ' H +!'+ , .
§ 2. - " "
!'"$%$ D E? $"J = " !D =* +!& = # #$%' (CPSS) +* '"J ! = !D =* +"& (BIS) * D%?" !D !H & D!&" E C - E ? # #$%' ! & J? & = E? $"J = # #$%' " !E*H?"+*& & ,= * #"< " 2001 .
#A!@! & D <% ! %# $A D!& = E C E"& " <!$ !H!&’ D+ C% $ ?A = H +"& M! ! ,= D #$!#*& . J% C% $ ?A " H + D!H!&’ D " D H%DE%<*& $ " #!&* #$ H"?A "#$A % J & ; E"+?*& - $ # E ! * +C"! *& @ !R!& = +"& ? D "F# % @ !R!&!- + % $ !, E!?"$ + , E ! E" $ '+* !&" ! C"! ?A !, & ?;$ + , ; &! ;$A *< # + ' E? $"J !, # #$%' '!J? &"#$A & - +! #$!&*& $ ? !D =* +"& =* + * C% $ ?A !'* H +* $!- M!. !'* C% $ ?A " H + ' ;$A &" "@ & $ E !&" * !?A M! !
# #$%' ! & J? & = E? $"J = # #$%', !$J%, & D <% ! &" E!&" " !H!&’ D+ C% $ ?A = H +"&, +" '"#$ $A !C" +* "# *;< = E? $"J-= # #$%' D $!<+ D! * D!& = E C E"& $ " "C";& H! D !- =!<% "F ? ,= !$ ' .
D!&" E C E !# $A = +$% * "&% # ?A = &+ D"&!+, &! E!+? + " #E $ !D !HC" $ %+#E?* $ C", H%DE%< "R = F % %+- $ & "R = # #$%' ! & J? & = E? $"J = # #$%' & *#A!'* #&"$".!&!# ! '!& = %+! !'"+ =, % !+? ;$A# D*# ?? ! & !#- +! ?% "# *;< = H! #$&! % !& = # #$%', &! !#!H? &!%!H=" ", M!H + M% *E! $ # D" D !#$ ;< ' E!$!+ ' E? - $%J"&. ? $!@!, M!H D!& ' E C E ' '!@? #+! #$ $ # * "= + , = " +! #$*& $ # ' E !$ @!' $ & ?!@! < #*, &! #&" !'! # ! '*?A!& " * D @ ?A !'* & @? " " % I R H?! !' ?!D !H+ H! %+#E?* $ C", +! + %$ !, # #$%' , ?% E !E! *;$A
%!H=" " = +$% #$ + , +" E!& " D !&!?A $ " # #$%' ! & J? &" E? $"J " # #$%' 147.
147 %., < ) >. +! D!& = E C E"& # #$%' ! & J? & = E? $"- J = # #$%' * #$%'" %?%+$ ! = '"JH +"A+ = E% %+ D"& // "# + C"! ?A-!@! H +* + , . — % E% A, 2003. — . 38.
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$J%, ! D!& = E C E"& &" %#% ! $ +" E C E :#$%' E!& ' $ "F * ! ' $ & !-E &!&* !# !&* *
"= $ = ; # +C" =, M! ,, #$!#*;$A# .
K & ? " E !C% * # #$%' E!& " & $ *< # + ' '!J- ? &"#$A # ! !D*'"$ &E? & # #$%' +!J F & " #!&!@!D +*, + F &! J ;$A# , H% *< & "F *< #$A.
#$%' E!& ' $ <"$+! & D <% " E !C% * *E &?" + % $ ' D +!' " D +!' ?"+&" !#$", & + = &+ D*;$A# &" - E!&" " !H!&’ D+ !E% $! F *< # +"& # #$%' " D H%DE%<*;$A-
# !#$ $ " #$ '*? ? *E &?" D +!' " F!@! !H'%J% .#$%' E!& D H%DE%<*& $ R& + F !#$ $!< F !D -
=* !+ $* & ?;$*& , H J ! — E !$ @!' ", + '" "- '*', — E +" C" .
#$%' , & +"F &" H*& ;$A# +?" @!&" !D =* + , E!& ,+ '" "'*', @ $*& $ #&!I< # % D &% R% M! % = !D - =* +"& * D" %D $ !#$" *< # + !D =*& $ # D FH"?AR ' D!H!&’ D ' D ! ' !D =* +!'.
J ! & +! #$!&*& $ !D =* + = +$ & , M! D =!-$A# & C% $ ?A !'* H +*; +M! & +! #$!&*;$A# " R" +$ - & , E!&’ D F D ' + % $ F D + E!& % H*$ %&%? + 'H! D!"' &" #*$ "'.
#$%' E!& D H%DE%<*& $ & #!+ F "&% A H%DE%+ " -"F !#$" & %+#E?* $ C",, $ +!J ' $ D #!H & E !+ D& - < F = !H#$ & ? #&!I< # !@! D &% R% M! % !, !H !H+ E? $%J"&.
#$%' E!& & $ D #!H & +! E? $%J"&, D *< "? +! #$*& <"& $ % %+$ & " ? %+! !'"+ .
#$%' E!& ' $ !H’I+$ & " " D @ ?A !&" !'" + $% ", *< #$", +" D H%DE%<*;$A #E &% ? & F " &" + $ F !#$*E.
T #!H +% *& # #$%'!; E!& " H*$ % %+$ & ' , +! $-!?A!& ' " E !D! ' .
H!&’ D+ C% $ ?A !@! H +* M! ! D #$!#*& D!& = E C E"&:
% $ ?A F H + E!& % <"$+! & D < $ #&!, C"?" & @ ?*D" E? $"J = # #$%' " E!" ! '*& $ R !+* @ !' #A+"#$A M! ! #&!I, !?" $ !# !& = E '"& E!?"$ + #$!#!& ! # #$%' ! & - J? & = E? $"J = # #$%'.
% $ ?A F H + E!& % D H%DE%< $ & +! & '!@ H - D!& = E C E"& * # #$%' =, + ' &" +% *I.
% $ ?A F H + E!& % @? $ D & +! ' & '!@D!& = E C E"& * # #$%' =, + ' +% *I % &" , " E!& % ' - $ '!J? &"#$A D "F# ;& $ C%F @? .
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