Finansove_pravo_2 / Bank_pravo-Vashenko

% $ ?A F H +, E" & M*;< "F "#$A " % %+$ & "#$A D - & + & +! #$ ; D!& = E C E"&, E!& % #E"&E C;& $

D " R ' C% $ ?A ' H + ' $ " R ' C"! ?A ' H! '"J ! ' ! @ ' * C"F # % "148.

§ 3. " " (" "

[+ ' &J% D’ #*& ? E & &<% " D @ ?A = E $ A H%D@!$"&+!& = !D =* +"&, % (# — C%

=* !+, M! &" + & I$A# ! ' H +!' " R!'* H +* ? D "F-

# % '"JH +"A+ = E% %+ D"&.

" + $$ +! %#E! % $#A+ = =* +"& D "F# ;I$A# R? =!' $ !&?% '"J H + ' +! %#E! % $#A+ = &" !# * E! - +*, M! & D < I$A# C"! ?A ' H +!' + , , $ E" #$ - &" &" E!&" !@! !@!&! *.

" E!&" ! ! #$ $$" 47 T +! * + , «K ! H + " H +"&- #A+* " ?A "#$A» +!'% C"F " H + E" #$ &" ?"C% D", C"! - ?A !@! H +* + , ' ;$A E &! &" + & $ $ &%#$ =* + H +"&-+! %#E! % $"&.

T@" ! D" #$ $$%; 51 CA!@! T +! * ? D "F# % H +"A+!," ?A !#$" H + &" + & ;$A $ &% *$A +! %#E! % $#A+" =* - + * C"! ?A !'* H +* + , $ " R = H + = & + , " " D ,, '%J ' .

$! D D < $ , M! D@" ! D" #$ $$%; 59 T +! * + , «K ! H + " H +"A+* " ?A "#$A» D H! ! I$A# +? $ %R$ +! %#E! % $#A+" =* + H +* H! D*E $ !E% C", D C '=* + ' .

" E!&" ! ! #$ $$" 60 T +! * + , «K ! H + " H +"&- #A+* " ?A "#$A» &" !'!#$" M! ! +! %#E! % $#A+ = =* +"& +!- '% C"F = H +"&, &" + $ = * C"! ?A !'* H +* + , ,

#$ !&? $A H +"A+* $ I' C;.

T@" ! D" #$ $$%; 66 T +! * + , «K ! H + " H +"A+*" ?A "#$A» ! ' "D E '+"& '" "#$ $ & !@! %@*?;&C"! ?A ' H +!' + , H +"A+!, " ?A !#$" I +! %#E!-% $#A+" &" !# .

148 %., < ) >. + D E C . — . 38—41.

	231

" E!&" ! ! #$ $$" 40 T +! * + , «K ! C"! ?A F H + + , » C"! ?A F H + D H%DE%<*I D "F# % '"JH -+"A+ = !D =* +"& <% %D #&!, *#$ !& , I !D&"? E !&%-% '"JH +"A+ = !D =* +"& <% %D E '" +! %#E! % $#A+" &" !# H +"& $ <% %D ,= &? # " !D =* +!&" # #$%' .

" E!&" ! ! #$ $$" 42 T +! * + , «K ! C"! ?A F H + + , » C"! ?A F H + &" + & I &? # " +! %#E! %-$#A+" $ '%$ ?%&" =* + * D +! ! = H + = " &% % =* + H +"&-+! %#E! % $"&.

+ ' < !', +! %#E! % $#A+ ' =* + ' I =* + , &" - + $" +!'% C"F ' H + ' * C"! ?A !'* H +* + , , $ +!J & " R = H + =.

K! !+ &" + $$ +!'% C"F ' H + ' +! %#E! % $#A+ ==* +"& * C"! ?A !'* H +* + , $ !&?% F #$ *+- C"I; E ! '"JH +"A+ F E% %+ D @ !R%F & + , " & C"! ?A-"F & ?;$", D $&% J% !; E!#$ !&!; C"! ?A !@! H +*+ , - 110 &" 17.03.2004 .

T@" ! D C"I; #$ *+C"I; &" + $$ $% $! " ?A ' *E &- ?" ' +! %#E! % $#A+!@! =* +* H +* ( "?",) D "F# ;I$A#E" #$ &" *+? % !@! !@!&! * E ! +! %#E! % $#A+ F =* !+ * C"! ?A !'* H +* + , ( ! ' !@!&! * '"#$ $A# * !-$+* 1 ! #$ *+C",) $ D *'!& E! E & ?A ! ! ! '?%-= !+*'% $"&.

? &" + $$ +! %#E! % $#A+!@! =* +* H +* @!?!& E - &?" ( %+$! "&) H +* $ @!?!& F H*=@ ?$% H! *E!&-!& J% ' #?*JH!& !#!H D & !#$" ?%J ' < !' ! ! '?% !, !&" % !#$" E! ;$A ! $% $! " ?A !@! *E &?" D '"#C%D =! J% ' H +* $ +" !+*'% $ :

) D &* E ! &" + $$ +! %#E! % $#A+!@! =* +* & C"! ?A-!'* H +* + , ( ! ' '"#$ $A# * ! $+* 2 ! #$ *+C",);

H) +!E"; #$ $*$* H +*, D #&" <% * !$ " ?A ! H! $% $! " - ?A ' *E &?" ';

&) +!E"; !+*'% $ , M! E" $&% J*I &D $$ H +* !H?"+ &"-E!&" ' ! @ !' % J & !, E! $+!&!, #?*JH , D #&" <% * H!!$ " ?A !, H! ! @ !', M! & & !+*'% $, H! $% $! " ?A-' *E &?" ';

@) +!E"; !+*'% $ , M! E" $&% J*I %I#$ C"; H +* * &" - E!&" !'* ! @ " K% #"F !@! ! * + , , D #&" <% * H! !- $ " ?A !, H! ! @ !', M! & & !+*'% $, H! $% $! " ?A ' *E &?" ';

_) +!E"; !&" + E ! & %#% H +* ! V !@! % J & !@!%I#$ * E" E I'#$& $ ! @ "D C"F + , ( ?" — V K ),

232	. .

D #&" <% * H! !$ " ?A !, H! ! @ !', M! & & !&" +*, H! $% $! " ?A ' *E &?" ';

) +!E"; #$ =!&!@! #&" !C$& , M! E" $&% J*I %I#$ C"; H +* * L! " #!C" ?A !@! #$ =*& &" %M # = & E +"& & !H C$&" $ E ! %#"F = D =&! ;& A + , + E? $ + #!C" ?A = #$ =!& = & %#+"&, D #&" <% * H! !$ " ?A !, H! ! @ !', M! & & #$ =!&% #&" !C$&!, H! $% $! " ?A ' *E &- ?" ';

%) + $+* "D D D+ ' E" E #"& $ &" H $+ E%< $+ H +* ( !-' '"#$ $A# * ! $+* 3 ! #$ *+C",), D #&" <% ' !$ " - ?A ! (+"?A+"#$A E '" +"& !H*'!&?;I$A# #$! ! ' ).

? &" + $$ +! %#E! % $#A+!@! =* +* "?", H +* +% "&-+ $ @!?!& F H*=@ ?$% "?", H! *E!& !& J% ' #?*JH!- & !#!H D & !#$" ?%J ' < !' ! ! '?% !, !&" % !#$" E! ;$A ! $% $! " ?A !@! *E &?" D '"#C%D =! J% '"?", $ +" !+*'% $ :

) D &* E ! &" + $$ +! %#E! % $#A+!@! =* +* & C"!-?A !'* H +* + , ( ! $!+ 2);

H)+!E"; E!?!J% E ! "?";, D #&" <% * H! !$ " ?A !,H! H +!', H! $% $! " ?A ' *E &?" ';

&) +!E"; !D&!?* H +* E &! D "F# % "?"I; H +"A- + = !E% C"F, D #&" <% * H! !$ " ?A !, H! H +!', H! $% - $! " ?A ' *E &?" ';

@) +!E"; !&" % !#$", M! & H +!' +% "& +* "?",, D #&"-<% * !$ " ?A !;

_) +?!E!$ H +* D E" E #!' F!@! +% "& + E ! &" + $$ +! %#E! % $#A+!@! =* +* "?", "D D D <% ' '"#C%D =!-J% H +*, " % $ "+ C"F !@! +! * D V K , !'% +! %- #E! % $#A+!@! =* +*, F'% *& $% $! " ?A !@! *E &- ?" , * +!'* &" + $! +! %#E! % $#A+ F =* !+ H +*, D& E! $+!&!@! ! @ *, * +!'* H + E% %H*& I !H?"+*;

) +!E"; !+*'% $ , M! E" $&% J*I &D $$ "?", !H?"+ &" - E!&" ' ! @ !' % J & !, E! $+!&!, #?*JH , D #&" <% * H!!$ " ?A !, H! ! @ !', M! & & !+*'% $, H! $% $! " ?A-' *E &?" ';

%) +!E"; !+*'% $ , M! E" $&% J*I %I#$ C"; "?", * &" E!- &" !'* ! @ " K% #"F !@! ! * + , , D #&" <% * H! !$ -" ?A !, H! ! @ !', M! & & !+*'% $, H! $% $! " ?A ' *E &?" ';

I)+!E"; !&" + E ! & %#% "?", ! V K , D #&" <% *H! !$ " ?A !, H! ! @ !', M! & & !&" +*, H! $% $! " - ?A ' *E &?" ';

	233

J)+!E"; #$ =!&!@! #&" !C$& , M! E" $&% J*I %I#$ C"; H +* — ; < !, !#!H * L! " #!C" ?A !@! #$ =*& &"%M # = & E +"& & !H C$&" $ E ! %#"F = D =&! ;& A+ , + E? $ + #!C" ?A = #$ =!& = & %#+"& ( +M! "?"

# '!#$"F ! D "F# ;I !D =* + D !E? $ E C" — +!E"; #$ =!- &!@! #&" !C$& , M! E" $&% J*I %I#$ C"; "?", & CA!'* L! "+ E? $ + #!C" ?A = #$ =!& = & %#+"&), D #&" <% * H! !$ -" ?A !, H! ! @ !', M! & & #$ =!&% #&" !C$&!, H! $% $! "-?A ' *E &?" ';

D)+ $+* "D D D+ ' E" E #"& $ &" H $+ E%< $+ "?", ( ! - $!+ 3), D #&" <% ' !$ " ?A ! (+"?A+"#$A E '" +"& !H*'!&- ?;I$A# #$! ! ' ).

K" < # ! ! '?% + $+ "D D D+ ' E" E #"& $ &" H $+ E%< $+ #?" +% *& $ # $ + ':

) * + $+* &+?;< ;$A# D D+ E" E #"& #?*JH!& = !#"H, + ' &" E!&" ! ! D +! ! $& + , $ *#$ !&< = !+*'% $"& H +* ! E &! !DE! J +! %#E! % $#A+ ' =* - +!', $ E" E #* !D =* +!& = !+*'% $"&, # '%:

E &! E% R!@! E" E #* ?%J $A +% "& +* H +* ( "?",) $ *E!& !& J% ' ' #?*JH!& ' !#!H ';

E &! *@!@! E" E #* ?%J $A @!?!& !'* H*=@ ?$% * H - +* ( "?",) $ #?*JH!& ' !#!H ', *E!& !& J% ' +% "& +!' H +*;

D D+ E" E #"& +% "& + $ @!?!& !@! H*=@ ?$% H +* ( "?",) &+?;< ;$A# ! + $+ !H!&’ D+!&!;

E &! E% R!@! E" E #* % '!J% H*$ ! @!?!& !'* H*=- @ ?$% * $ " R ' !#!H ', +" ' ;$A E &! *@!@! E" E #*;

E &! *@!@! E" E #* % '!J% H*$ ! !#!H ', +" ' - ;$A E &! E% R!@! E" E #*;

H)* D" D '" ( !E!& % ) =!< H ! !@! E" E #* & $ J %- & F #$ !+ E! I$A# !& + $+ "D D D+ ' E" E #"& *#"= !#"H,+" ' ;$A E &! E% R!@! $ *@!@! E" E #"&, D #&" <% = !$ -" ?A !;

&) * D" E D <% $ '< #!&! & +! *;<!@! !H!&’ D+ +% "- & + $ / H! @!?!& !@! H*=@ ?$% E! I$A# $ '< #!& + $+ ? R% "D D D+ ' E" E #"& C = !#"H, D #&" <% = !$ " ?A !;

@) * D" $ '< #!&!@! !#!H" E & E% R!@! < *@!@! E" E #"&, $ +!J $ '< #!&!, D '" ! "I, D !#"H, *E!& !& J% = +% "& +!' H +*, !& + $+ % #+? I$A# , ! $+!&! E! - I$A# $ '< #!& + $+ ? R% "D D D+!' E" E #* $ '< #!&! *E!&-!& J% !, !#!H "D D D <% ' #$ !+* ,, ", $ +!E" &" E!&" !@!!+*'% $ , M! E" $&% J*I C" E!& !& J% . $ '< #!& + $- + E" E #*I$A# +% "& +!' $ @!?!& ' H*=@ ?$% !' H +* ( "-

234	. .

?",), D #&" <*I$A# &" H $+!' E%< $+ " ! $+!&!@! D #&" <%% E!$ %H*I;

_) '"#C%D =! J% , D D <% % & + $C" "D D D+ ' E" E #"& $ &" H $+ E%< $+ , ' I &" E!&" $ '"#C%D =! J% ;, D D <%-!'* & #$ $*$" (E!?!J% ");

) * + $+* "D D D+ ' E" E #"& $ &" H $+ E%< $+ &+?;< - I$A# D D!+ &" H $+ E%< $+ H +* ( "?",). K%< $+ &? # + +!-%#E! % $#A+!@! =* +* ' I '"#$ $ F!@! " % $ "+ C"F F +! D V K . +! #$ E%< $!+, E D <% = ? #E%C" - ?A = C"?%F (« ? E +%$"&», « ? E% %E*#$!+» $!M!), % !E*#+ - I$A# ;

%) * D" $ '< #!&!, &" #*$ !#$" E%< $+ & !&!#$&! % !@! H -+* ( "?",), $ +!J * D&’ D+* D %! @ "D C"I;, D'" !; F'% *- & < E" E! +!& !#$", #E CA!& "#$; < &$ $!; E%< $+ +% "& + H! *E!& !& J% ' #?*JH!& !#!H $% $! " ?A !@! *E &?" E" #$ &" E #A'!&!@! D&% % &? # + +! %#E! -% $#A+!@! =* +* I F!'* %!H=" F #$ !+ ($% '" ) ? & @!$!&?% E%< $+ .

K! !+ &" + $$ +!'% C"F ' H + ' +! %#E! % $#A+ ==* +"& $ !&?% F K!?!J% ' E ! &" + $$ $ * +C"! *- & & *E!& !& J% = H + = + , =* +"& H +"&- +! %#E! % $"& & " !D%' "F & ?;$" $ & @ & =, D $&% J% ' E!#$ !&!; K &?" C"! ?A !@! H +* + , -118 &" 26.03.1998 ( ?" — K!?!J% ).

T@" ! D K!?!J% ' *E!& !& J% " H + + , '!J*$A *+? $ *@! E ! &" + $$ +! %#E! % $#A+ = =* +"& E"#? !$ ' ?"C% D", C"! ?A !@! H +* + , D "F# % & ?;$ = !E% C"F.

K!?!J% ' & D <% ! E +%$ !+*'% $"&, +" +!'% C"F F H + E!& % $ " R!'* H +* ? &" + $$ +! %#E! % $- #A+!@! =* +*. K CA!'* !+ %'" E% %?"+ !+*'% $"& & D <%-! ? H +"&— %D % $"& + , , ? H +"&— %D % $"& " - R = + , (+ "' + , $ ?$",) $ ? H +"&— %D % $"& + , $ ?$",.

T!+ %' , H + - %D % $ + , E! ;$A $ +" !+*'% $? &" + $$ +! %#E! % $#A+!@! =* +*:

D &* &" + $$ =* +*;

+!E"; ?"C% D", C"! ?A !@! H +* + , (D #&" <% * !- $ " ?A !);

+!E"; #$ $*$* H +* (D #&" <% * !$ " ?A !);

!#$ "F "< F D&"$;

H ? # !#$ ; $* ( 1 < #?! '"# C );

	235

+ $+* "D D D+ ' E" E #"& D@" ! D ! ' $ & !-E &!& '+$ ' C"! ?A !@! H +* + , .

E!& !& J% F H + + , E"#? !$ ' !+*'% $"& " -! '*I H +, + F &" + & I +! %#E! % $#A+ F =* !+, E ! E F $% "R% . D" E F $$ E!D $ & !@! "R% M! ! &" + $$ =* +* H +!&"-+! %#E! % $* *E!& !& J% F H +# ? I E!R$!; H! E% % I <% %D E % #$ & + H +* E" E # -* @! * E ! $ !&?% +! %#E! % $#A+ = &" !# .

K!?!J% ' & D <% ! $ +" "#$!$ " *'!& D D <% !, @! : I. K % '%$ @! .

II. K! !+ &% % =* +*. III. H!&’ D+ #$! " .

IV. " E!&" ?A "#$A #$! " . V. !D&’ D #E! "&.

VI. "#$A @! . VII. #!H? &" *'!& .

VIII. K" #*'+!&" E!?!J% . IX. %+&"D $ #$! " .

U. .

@! = !C"?A ! E% % H < $ $%, M! H + H% *$A #%H% D!H!&’ D M! ! !DR*+*& E% % =!& =, ?% % !$ ' -= E? $%J"&.

@! ' I H*$ *+? % & &!= E '" + =, E" E # &!'

#$! ! ' $ D &" % E%< $+ ' H +"&.

"' &+ D !, @! , #$! ! $ +!J '!J*$A *+? #$ :

*@! * E ! !H#?*@!&*& D + % $ & !; ! '!; !D - =* +"&;

*@! * E ! E #+! % !DR*+* E? $%J"&;

*@! * E ! E !&% % '"JH +"A+ = !E% C"F;

*@! * E ! %$! @!&%?A " !E% C", D@" ! D < ' D +! !-$&!' + , $!M!.

E!& !& J% F H + + , , + F &" + & I +! %#E! % $- #A+ F =* !+ & " !D%' "F & ?;$" & " R!'* *E!& !& J% !'* H -+* + , , D!H!&’ D F E !$ @!' $ A!= !H!< = "& D &"-+ $$ CA!@! =* +* (&+?;< ;< % A &" + $$ =* +*) E! $ H! "#? $ E!&" !'?% E ! &" + $$ =* +* -%#* ! @ * % J & !, E! $+!&!, #?*JH , * +!'* &" !H?"+!&*- I$A# + E? $ + E! $+"& " DH! "& (!H!&’ D+!& = E? $%J"&), D E!- &" !'?% ' E ! F!@! & *<% .

$!; E!< $+* D "F# % & $+!& = !E% C"F D +! %#E! -% $#A+ ' =* +!' *E!& !& J% !@! H +* + , & " !D%' "F & ?;$" I $ &" + $$ CA!@! =* +*.

236	. .

E!& !& J% F H + + , , * +!'* D + $! +! %#E! % $#A+ F=* !+ " R!@! *E!& !& J% !@! H +* + , & " !D%' "F & ?;$", $ *E!& !& J% F H + + , , =* !+ +!@! D + $!, E !$ @!' $ A!=!H!< = "& D D + $$ CA!@! =* +* (&+?;< ;< % A D + $$=* +*) D!H!&’ D " E! $ H! "#? $ E!&" !'?% E ! D + $$ CA!@! =* +* %#* ! @ * % J & !, E! $+!&!, #?*JH , * +!- '* !H?"+!&*I$A# *E!& !& J% F H + + , , +! %#E! % $#A+ F=* !+ +!@! D + $!, D E!&" !'?% ' E ! F!@! & *<% .

E!& !& J% " H + + , &" + & ;$A +! %#E! % $#A+"=* + & H + =- % %D % $ = & " !D%' "F & ?;$" & E! +*, M! $ !&?% F & + , = %I#$ C", C = H +"&. K CA!'* *E!& !- & J% F H + + , , + F &" + & +! %#E! % $#A+ F =* !+ & " !D%' "F & ?;$" * H +*- % %D % $", E !$ @!' $ A!= !H!< ="& (&+?;< ;< % A !$ ' &" H +*- % %D % $ E" $&% -J% E ! &" + $$ +! %#E! % $#A+!@! =* +*) D!H!&’ D F E! $ H! "#? $ E!&" !'?% E ! &" + $$ =* +* -%#* ! @ * % J & !, E! $+!&!, #?*JH , * +!'* &" !H?"+!&*- I$A# + E? $ + E! $+"& " DH! "& (!H!&’ D+!& = E? $%J"&), D E!- &" !'?% ' E ! F!@! ! % J . E!& !& J% F H + + , ,+ F D + & I +! %#E! % $#A+ F =* !+ & " !D%' "F & ?;$" & H +*- % %D % $", E !$ @!' $ A!= !H!< = "& (&+?;< ;<% A !$ ' &" H +*- % %D % $ E" $&% J% E ! D - + $$ =* +*) D!H!&’ D F E! $ H! "#? $ E!&" !'?% E ! D + $$ CA!@! =* +* %#* ! @ * % J & !, E! $+!- &!, #?*JH , * +!'* &" !H?"+!&*I$A# + E? $ + E! $+"& " DH!-"& (!H!&’ D+!& = E? $%J"&), D E!&" !'?% ' E ! F!@! ! % J .

T D <% ' K!?!J% ' $ +!J $ !&?% ! E &!& F %J ' +! %#E! % $#A+ = =* +"& +!'% C"F = H +"&, $!H$! E! !+ D =*& $ E% % =*& +!R$"& D C = =* +"&.

§ 4. * ( % * " ( "

K! !+ D "F# % +! $ !?; D +! %#E! % $#A+ '=* + ' +!'% C"F = H +"& & D <% F, D!+ %' , * K & ? =%I#$ C", +! %#E! % $#A+ = =* +"& H +"& C"! ?A ' H -+!' + , , D $&% J% = E!#$ !&!; K &?" C"! ?A-!@! H +* + , - 343 &" 15.08.2001 .

	237

#$ !& , +" &" E!&" ! ! ! ' $ & !-E &!& = +$"& C"- ! ?A !@! H +* ' ;$A ?"C% D"; E &! &" + $$ $ &% %=* +"& H +"&-+! %#E! % $"&, $ +!J ' ;$A &" + $" +! %#- E! % $#A+" =* + & " !D%' "F & ?;$" $ &" + ? & #%H% +! %- #E! % $#A+" =* + & " !D%' "F $ C"! ?A "F ( +M! &! & -

#$*E I + " !D%' ) & ?;$", ! '*;$A E +%$ !+*'% $"& E ! &" + $ F +! %#E! % $#A+ F =* !+ " ;$A " ! ' C"; $%-$! " ?A ' *E &?" ' C"! ?A !@! H +* D '"#C%D =!-J% ' *#$ !& .

! " ! ' C", E ! & "#$A &" + $ = +! %#E! % $#A+ = - =* +"&, +* E!$ "H ! $ *#$ !& ' ! $% $! " ?A !@! *E &- ?" C"! ?A !@! H +* D #&!,' '"#C%D =! J% ', ?%- J $A:

+?!E!$ E ! %I#$ C"; &" + $!@! +! %#E! % $#A+!@!=* +*;

+!E" !@!&! * E ! $ !&?% +! %#E! % $#A+ = &" !-

# ;

+!E" !+*'% $ , & !@! H +!'-+! %#E! % $!' E ! &" - + $$ +! %#E! % $#A+!@! =* +*, M! '"#$ $A !'% =* +*,D& & ?;$ " $* &" + $$ =* +*;

!&" + ( ! $!+ 1) E ! +! %#E! % $#A+ F =* !+, & +"F & +? % D @ ?A " ! ' C" E ! +! %#E! % $#A+ F =* !+;

? #$-" ! ' C" , & +!'* D D < I$A# '%$ &" + $$ +! %- #E! % $#A+!@! =* +*, & !E% C"F, +" E !&! $ '*$A# D C ' =* +!';

& "#$A %F$ @!&!, !C" + H +* (* D" H +!'- +! %#E! % $!' $ +!, " ! ' C",);

D #!H D&’ D+*, M! & +! #$!&*& $ '*$A# ? !H#?*@!&*- & +! %#E! % $#A+!@! =* +*;

+!E" ?"C% D", +! %#E! % $ — H +*- % %D % $ (+ "' H -+"& + , @ *E ), M! D #&" <% &" H $+!' E%< $+ H +*;

+!E" E? $"J !@! !+*'% $ E ! & %#% E? $ D %I#$ C"; +! %#E! % $#A+!@! =* +*/ =* +"&, M! $ !&?;I$A# &" E!&"-' ! ' $ & !-E &!& ' +$ ' C"! ?A !@! H +*;

+!E" D D+"& E" E #"& *E!& !& J% = !#"H ? E !&% % !E% C"F & " !D%' "F & ?;$" *#$ !& %D % $ , M! !$ '*I %- I#$ C"F % #&" !C$&!.

!E", !+*'% $"& ' ;$A H*$ !H!&’ D+!&! D #&" <% " &" H $- +!' E%< $+ *#$ !& , + E! I E +%$ %I#$ C"; +! %#E! -% $#A+!@! =* +*. ! !+*'% $"&, #+? % = " !D%' !; '!&!;, ' I ! & $ # E% %+? , D #&" <% F &" H $+!' E%< $+ *#$ !- & H! ; < !, !#!H , + D "F# ? E% %+? .

238	. .

[+M! H +-+! %#E! % $ ( % %D % $) % &+?;<% F ! !&"-+ «The Bankers` Almanac» H! !D$ R!& F $% $! ", < E" ; # +C"I; + , , + &=! $A ! E% %?"+* ! R! = D! ,H! + , , + &+?;<% ! E% %?"+* + , ($% $! "F), +" % H%-*$A *< #$" & '"J ! !'* #E"& !H"$ C$&" * # % " D E!H"@ $ E !$ ", ?%@ ?"D C", (&" ' & ;) !=! "&, ! % J = D?!< -' R? =!', $ " #*& ; $% ! D'* (M! & D < ;$A# E!#- $ !&!; H" %$* " "#$ "& + , ), $! H + ' I $ ! $- +!&* " ! ' C"; $ ' $% " ? :

+!E"; * $! #A+!@! & # !&+* E ! !#$!&" "#$A " #!&!, D&"$ !#$" H +*-+! %#E! % $ D ! ' +!E"F H ? #* " D&"$* E ! E H*$+ $ DH $+ H +* D !#$ "F " #!& F "+, D #&" - <% = &" E!&" ! ! D +! ! $& + , !D$ R*& ;

" R" !+*'% $ , M! E" $&% J*;$A & "#$A * H +*- +! %#E! % $ E!#$"F !@! ! "#* D '"#C%' F!@! %I#$ C",.

$% $! " ?A % *E &?" C"! ?A !@! H +* E!+? - I$A# &" E!&" ?A "#$A D #&!I< # "#$A DH " ! ' C", $ !- $ ' *'!& %I#$ C", &" + $ = +! %#E! % $#A+ = =* +"&

&*#$ !& = " H + =- % %D % $ = & " !D%' "F $ C"! ?A "F ( +M! &! & #$*E I + " !D%' ) & ?;$" + , , $ +!J D D "F# % +! $ !?; D !H!$!; *#$ !& &" E!&" ! ! D D <%-= =* +"&.

§ 5. 5 *" * " $

K! !+ D "F# % '"JH +"A+!@! E% %+ D* & + - , " * C"! ?A "F & ?;$" & D <% F #$ *+C"I; E ! '"JH +"&- #A+ F E% %+ D @ !R%F & + , " & C"! ?A "F & ?;$", D $&% -J% !; E!#$ !&!; K &?" C"! ?A !@! H +* + , - 110 &" 17.03.2004 .

K! !+ " ?A !#$" # #$%' '"JH +"A+ = !D =* +"& & - D < I$A# ,, E & ? ' , *#$ !&?% ' E? $"J !; ! @ "D C"I; C"I, # #$%' $ *D@! J% ' D C"! ?A ' H +!'. ? ,= *D- @! J% E? $"J ! @ "D C" E! I ! C"! ?A !@! H +* ( "'’ D #$*E + !?!& , ! * +C"! ?A = !H!&’ D+"& +!@! - ?%J $A D @ ?A % +% "& C$&! D E $ A * +C"! *& E? $"J =

# #$%' & + , ") & +? % " % J & !; '!&!; $ E !R $" $ D #&" <% " D&! !$" &" H $+!' E%< $+ +!E", K & ? " ?A !#$"

	239

# #$%' '"JH +"A+ = !D =* +"&. K & ? ' ;$A $ !&?;- & $ :

E &!&* H D*, E" #$ &" +!, E? $"J ! @ "D C" ' I D - H%DE%<*& $ " ?A "#$A E? $"J !, # #$%' ;

! @ "D C"F * #$ *+$* * # #$%' '"JH +"A+ = !D =* +"&;

*'!& <?% #$& , E! !+ $*E* $ & =! * "D # #$%' ;

E! !+ * %@*?;& %E? $!#E !'!J !#$" $ " R = & E -+"& %D $ !#$" & +! <?% ' # #$%' #&!,= D!H!&’ D A;

E! !+ & "R% #E! "&;

*E &?" D + ' & # #$%'" $ # #$%'* #$ =*& ;

E% %?"+ E? $"J = " #$ *'% $"&, M! & +! #$!&*;$A# & # -

#$%'" ? " "C";& E% %+ D* @ !R%F, ,= ! ' $ E! !+ D -

#$!#*& ;

E C E & +! !+*'% $"& E% %+ D @ !R%F $ ,= &" - +? + ;

E! !+ D &% R% '"JH +"A+!@! E% %+ D*;

E! !+, $%= !?!@"; $ %@? '% $ E !&% % !D =* +"&;

E! !+ E !&% % %+! # ? C",;

E! !+ & +! #$ E !@ ' !-$%= "< = D #!H"&, # #$%' D = #$* " ! ' C", $ $%?%+!'* "+ C"F = + ?"& D&’ D+*;

$%= !?!@"; ! '*& , E! !+ $ #$ !+ DH% "@ ="- &"& %?%+$ ! = H +"A+ = !+*'% $"& " H D =, $ +!J E !C% * * D M% " ! ' C", M! ! E !&% % E% %+ D* @ !- R%F, #$ !+ DH% "@ +!, D +" < ? # ;

E! !+ %D% &*& $ &" !&?% * +C"! *& # #- $%' & D" E! *R% ,, !H!$ H! & + % D& < F =

# $* C"F;

" R" E!?!J% , & D <% " E? $"J !; ! @ "D C"I;.

L! ' '"JH +"A+ = !D =* +!& = !+*'% $"&, ,= %+&"D - $ $ E! !+ ! ! '?% ' ;$A &" E!&" $ & '!@ ' ! !D - =* +!& = !+*'% $"&, M! & D <% " ! ' $ & !-E &!& ' +$!'C"! ?A !@! H +* E ! H%D@!$"&+!&" !D =* + & + , " & - C"! ?A "F & ?;$".

+"A+" *#$ !& D "F# ;;$A '"JH +"A+ F E% %+ D D '"JH +"A+ ' %?%+$ ! ' !D =* +!& ' !+*'% $ ' .#$ *+C"I; & D <% ! !# !& " %?%'% $ '"JH +"A+!@! %?%+$-! !@! !D =* +!&!@! !+*'% $ $ E! !+ F!@! ! '*& .

T&% $ I'! *& @* $%, M! '"JH +"A+ F E% %+ D & +! *I$A-

# & #$ !+ ! $ A!= !E% C"F = "& &" E!&" ! ! D +! ! $&+ , .

#$ *+C"I; & D <% ! !#!H? &!#$" D "F# % !D =* +"& & D ?%J !#$" &" $ E* E? $"J !, # #$%' .

240	. .