G L U X 1

YNDHANUR DRUYTNER

Suyn orenqi npataky Hayastani Hanrapetutyunum ashxatanqayin gorcuneutyan yntacqum kutakayin kensatoshakayin vtchar katarac andzanc kensatoshakayin tariqum petakan kensatoshakic zat kensatoshakayin ekamutneri stacman hnaravorutyan steghcumn e: apahovelov katarvac kensatoshakayin vtcharneri ev stacvogh kensatoshaki chaphi mijev ughghaki kapy, inchpes naev hnaravorutyun yndzerelov vtchar kataroghin azdelu kutakayin kensatoshakneri chaphi vra: suyn orenqov sahmanvac kargov yntrelov ir kutakac mijocnery karavarogh andzin ev ayd mijocneri karavarman qaghaqakanutyuny:

Hodvac 1.
Suyn orenqi kargavorman ararkan

1. Suyn orenqy sahmanum e Hayastani Hanrapetutyan kensatoshakayin hamakargi partadir kutakayin kensatoshakayin baghadrichi ev kamavor kutakayin kensatoshakayin baghadrichi (aysuhet: kutakayin baghadrich) karucvacqy, kutakayin baghadrichi karavarman gorcyntacy ev dra karavarmany nergravvac petakan marminneri liazorutyunnery, inchpes naev masnakicneri reestry varoghi, kensatoshakayin fondi karavarichneri, kensatoshakayin fondi paharui, hashvi operatorneri gorcaruytnery, partadir kutakayin kensatoshakayin baghadrichin partadir ev kamavorutyan skzbunqov mianalu iravunq unecogh fizikakan andzanc shrjanaky, kutakayin baghadrichi masnakicneri iravunqnery ev partakanutyunnery, kensatoshakayin kutakayin hashivneri varumy ev kutakayin kensatoshakayin aktivneri nerdrumy, kutakayin kensatoshakneri tesaknery ev dranc vtcharumy, masnakicneri koghmic katarvac partadir kutakayin vtcharneri veradardzeliutyan erashxavorman karucakargery, patasxanatvutyuny suyn orenqi, dra himan vra yndunvac normativ iravakan akteri ev ayl iravakan akteri pahanjneri xaxtman hamar, inchpes naev kargavorum e kutakayin kensatoshakneri het kapvac ayl haraberutyunner:

Hodvac 2.
Orenqum ogtagorcvogh himnakan haskacutyunnery

1. Suyn orenqum ogtagorcvum en hetevyal himnakan haskacutyunnery:
1) andznavorvac hashvarum: yst «Ekamtayin harki ev partadir kutakayin vtchari andznavorvac hashvarman masin» Hayastani Hanrapetutyan orenqi.
2) anhat dzernarkater: yst «Anhat dzernarkatiroj masin» Hayastani Hanrapetutyan orenqi.
3) anuitet: yst «Apahovagrutyan ev apahovagrakan gorcuneutyan masin» Hayastani Hanrapetutyan orenqi.
4) apahovagrakan ynkerutyun: yst «Apahovagrutyan ev apahovagrakan gorcuneutyan masin» Hayastani Hanrapetutyan orenqi.
5) bazayin ekamut: ashxatavardz u dran havasarecvac ayl vtcharumner, ashxatanqneri katarman (carayutyunneri matucman) dimac qaghaqaciairavakan paymanagreric ev dzernarkatirakan gorcuneutyunic stacvac ekamut, vory, «Ekamtayin harki masin» Hayastani Hanrapetutyan orenqi hamadzayn, hamarvum e harkvogh ekamut.
6) erashxiqayin fond: suyn orenqi hamadzayn: steghcvac partadir kensatoshakayin fonderi masnakicneri katarac partadir kutakayin vtcharneri: tchshgrtvac tarekan gnatchov veradardzeliutyuny erashxavorogh fond, vori tnorinman ev karavarman kargn u paymannery sahmanum e Hayastani Hanrapetutyan karavarutyuny.
7) inqnazbaghvac andz: orenqov chargelvac voreve gorcuneutyunic parberakan ekamut stacogh fizikakan andz, ayd tvum: gyughatntesakan nshanakutyan hoghi sephakanater, «Artonagrayin vtcharneri masin» Hayastani Hanrapetutyan orenqov artonagrayin vtchar vtcharogh, qaghaqaciairavakan paymanagrerov ashxatanqner katarogh ev carayutyunner matucogh.
8) cragrayin vtchar: masnakci kensatoshakayin tariqy lranaluc heto kensatoshakayin hashvum arka kensatoshakayin fondi phayeri marman hashvin amsakan ktrvacqov sahmanvac kargov masnakcin tramadrvogh gumar.
9) kamavor kutakayin kensatoshak: kamavor kutakayin kensatoshakayin sxemayov vtcharvogh lracucich kensatoshak.
10) kamavor kutakayin kensatoshakayin sxema: kamavor kutakayin kensatoshak tramadrelu npatakov kensatoshakayin fondi (kensatoshakayin fondi karavarchi), apahovagrakan ynkerutyan kam banki koghmic suyn orenqi pahanjnerin hamapatasxan sahmanvac paymanneri ev yntacakargeri amboghjutyun, vory nerarum e kutakayin vtcharneri katarman kargy, zhamkety, inchpes naev kamavor kutakayin kensatoshakneri hashvarkman u vtcharman paymannery, zhamkety ev kargy.
11) kamurj hashiv: Hayastani Hanrapetutyan karavarutyan finansakan volorti petakan liazorvac marmnum bacvac hatuk gandzapetakan hashiv, vorin mutqagrvum en partadir kutakayin baghadrichi masnakci koghmic katarvogh kutakayin vtcharnery: hetagayum masnakicneri reestry varoghin phoxancelu npatakov.
12) kensatoshakayin gaghtniq: partadir kam kamavor kutakayin baghadrichin masnakcutyan het kapvac gorcatuin, petakan liazor marminnerin, Kentronakan bankin, masnakicneri reestry varoghin, hashvi operatorin, kensatoshakayin fondi karavarchin kam paharuin masnakci kensatoshakayin hashvi, masnakci hamar (ogtin) katarvac kutakayin vtcharneri veraberyal haytni dardzac voreve teghekutyuny, masnakci arevtrayin, apahovagrakan, bankayin kam carayoghakan gaghtniqy, inchpes naev masnakci veraberyal cankacac ayl teghekutyun, vory masnakicy mtadir e eghel gaghtni pahel, ev gorcatun, petakan liazor marminnery, Kentronakan banky, masnakicneri reestry varoghy, hashvi operatory, kensatoshakayin fondi karavarichy kam paharun teghyak en eghel kam partavor ein teghyak linel ayd masin.
13) kensatoshakayin (kutakayin) hashiv: masnakicneri reestry varoghi (partadir kutakayin baghadrich) kam kensatoshakayin fondi karavarchi (kamavor kutakayin baghadrich) mot bacvac anhatakan hashiv, vortegh hashvarvum en masnakcin patkanogh kensatoshakayin fonderi phayery: Partadir kensatoshakayin fondi masnakci kensatoshakayin hashivy parunakum e teghekutyunner kensatoshakayin fondi masnakcin patkanogh partadir kensatoshakayin fondi phayeri qanaki, ayd phayeri hashvarkayin arzheqi, tvyal masnakci hamar (ogtin) katarvac kutakayin vtcharneri veraberyal.
14) kensatoshakayin tariq: «Petakan kensatoshakneri masin» Hayastani Hanrapetutyan orenqov sahmanvac tariqayin kensatoshaki iravunq tvogh tariq.
15) kensatoshakayin fond: yst «Nerdrumayin fonderi masin» Hayastani Hanrapetutyan orenqi.
16) kensatoshakayin fondi aktivner: masnakicneri ogtin (hamar) vtcharvac kutakayin vtcharneri, dranc hashvin dzerq bervac aktivneri ev dranc karavarman ardyunqum stacvac ekamutneri hanragumar.
17) kensatoshakayin fondi karavarich: «Nerdrumayin fonderi masin» Hayastani Hanrapetutyan orenqin hamapatasxan: kensatoshakayin fondi karavarman iravunq unecogh iravabanakan andz.
18) Kentronakan bank: Hayastani Hanrapetutyan kentronakan bank.
19) «Kutakayin kensatoshakayin avandner» sxema: kamavor kutakayin kensatoshak tramadrelu npatakov bankeri koghmic arajarkvogh kamavor kutakayin kensatoshakayin sxema, vori depqum masnakicneri hamar bacvac avandayin hashvum vtcharnery katarvum en kutakayin kensatoshaki paymanagri hamadzayn, avandadrvac mijocnery banky karavarum e ir riskov ev masnakci kensatoshakayin tariqi hasneluc heto avandi mayr gumari ev kutakvac tokosneri hashvin vtcharum e parberakan kam mianvag vtcharneri tesqov kensatoshakner.
20) kutakayin vtchar: suyn orenqov sahmanvac kanonneri hamadzayn: partadir kam kamavor kutakayin kensatoshak stanalu npatakov masnakci ev(kam) ayl andzi (ayd tvum: petutyan) koghmic masnakci hamar (ogtin) katarvogh vtchar.
21) hashvi operator: Hayastani Hanrapetutyan karavarutyan sahmanac kazmakerputyun, vory mijnordavorum e masnakicneri reestry varoghi koghmic masnakicnerin matucvogh carayutyunnery.
22) himnakan kensatoshak: yst «Petakan kensatoshakneri masin» Hayastani Hanrapetutyan orenqi.
23) masnakic: fizikakan andz, vory suyn orenqov sahmanvac kargov partadir kam kamavor miacel e kutakayin baghadrichin ev kutakayin kensatoshak stanalu npatakov dzerq e berum (dzerq e berel) kensatoshakayin fondi phayer, knqel e paymanagir apahovagrakan ynkerutyan het kam knqel e kutakayin kensatoshakayin avandi paymanagir arevtrayin banki het kam stanum e suyn orenqov sahmanvac partadir kam kamavor kensatoshak.
24) masnakicneri reestr: masnakicneri ev nranc patkanogh partadir kensatoshakayin fonderi phayeri veraberyal tvyalneri miasnakan hamakarg: Masnakicneri reestrum arka amboghj teghekatvutyuny handisanum e petutyan sephakanutyuny.
25) masnakicneri reestry varogh: iravabanakan andz, vory Hayastani Hanrapetutyan karavarutyan het knqvac paymanagri himan vra varum e masnakicneri reestry, inchpes naev irakanacnum e suyn orenqov ev Hayastani Hanrapetutyan karavarutyan het knqvac paymanagrov naxatesvac ayl gorcaruytner.
26) notar: yst «Notariati masin» Hayastani Hanrapetutyan orenqi.
27) paharu: yst «Nerdrumayin fonderi masin» Hayastani Hanrapetutyan orenqi kensatoshakayin fondi aktivneri paharutyun irakanacnogh andz.
28) partadir kutakayin kensatoshak: partadir kutakayin baghadrichi shrjanaknerum masnakcin suyn orenqov sahmanvac kanonneri hamadzayn vtcharvogh kensatoshak.
29) «Sahmanvac kensatoshakner» sxema: kamavor kutakayin kensatoshakayin sxema, vori depqum apahovagrakan ynkerutyuny xostanum e masnakcin hstak chaphov kensatoshak, kutakayin vtcharnery kaxvac en apahovagrakan ynkerutyan het knqvac paymanagric ev karogh en linel voch kanonavor, isk kensatoshaki chaphy kaxvac che katarvac kutakayin vtcharneri chaphic ev ayd vtcharneri nerdrumneri ekamtaberutyunic.
30) «Sahmanvac kensatoshakayin vtchar» sxema: kamavor kutakayin kensatoshakayin sxema, vori depqum masnakicneri hamar katarvac kutakayin vtcharnery hashvarkvum en irenc bazayin ekamti voroshaki tokosi chaphov kam voreve ayl kanonavor himqov, isk kensatoshaki chaphy kaxvac e katarvac kutakayin vtcharneric ev ayd vtcharneri nerdrumic stacvac ekamutneri chaphic.
31) socialakan qart: «Socialakan apahovutyan qarteri masin» Hayastani Hanrapetutyan orenqov sahmanvac qart.
32) phoxkapakcvac andzinq: yst «Nerdrumayin fonderi masin» Hayastani Hanrapetutyan orenqi:
Suyn orenqum ogtagorcvogh ayl haskacutyunnery kirarvum en Hayastani Hanrapetutyan qaghaqaciakan orensgrqov, «Nerdrumayin fonderi masin» ev «Arzhetghteri shukayi masin» Hayastani Hanrapetutyan orenqnerov sahmanvac imastov, ete suyn orenqi druytneric chi bxum dranc ogtagorcman ayl imast:

Hodvac 3.
Kensatoshakayin hamakargi kutakayin baghadrichy kargavorogh orensdrutyuny

1. Hayastani Hanrapetutyan kensatoshakayin hamakargi kutakayin baghadrichy kargavorvum e Hayastani Hanrapetutyan Sahmanadrutyamb, Hayastani Hanrapetutyan qaghaqaciakan orensgrqov, Hayastani Hanrapetutyan mijazgayin paymanagrerov, suyn orenqov, suyn orenqi himan vra yndunvac normativ iravakan akterov, ayl orenqnerov ev iravakan akterov: Ayl orenqneri druytnery taracvum en suyn orenqov kargavorvogh haraberutyunneri vra aynqanov, vorqanov chen hakasum suyn orenqin:

Hodvac 4.
Kutakayin kensatoshakneri finansavorman aghbyurnery

1. Kutakayin kensatoshaknery finansavorvum en masnakicneri hamar (ogtin) katarvac kutakayin vtcharneri ev dranc nerdrumic stacvac ekamutneri hashvin:

Im ghekavarac tatroni derasannery der chen yntrel kensatoshakayin fondery, voronc piti phoxancum katarvi: Menq hima kutakum enq ayd gumary, bayc chenq phoxancum: Spasum enq marti 28-i SD voroshmany: SD-n yndunel e kisat-prat voroshum, chi meknabanum ayn, vori hetevanqov petakan mi qani karuycner gorcum en chhamakargvac:

Orenqi zhamanakavor kasecman veraberyal voroshumy tchisht chi ynkalel hanrutyuny: Sahmanadrakan datarani voroshumy veraberum e tuyzher ev tuganqner chkirarelun: Ete gorcatunerin stipum en irenc ashxatakicneri hunvar amsva ashxatavardzic pahumner anel, iravunqneri xaxtum ardzanagrac andzy karogh e dimel dataran:

Sahmanadrakan datarany hertakan angam mtel e qaghaqakan keghtot xaghi mej. orenqi zhamanakavor kasecumy chi kayacvel: ardar datavarutyan skzbunqy hashvi arnelov:
Haskanalov, vor voch ishxanakan chors uzheri haytararutyunnern ishxanaphoxutyann en arnchvum (isk zhoghovurdy da or araj e tesnum), SD-n ays orenqov zhamanak e shahum: Es vstah em: marti 28-in SD-n anvaver chi tchanachi orenqy:

Lav el kkutakeq, verjum el kaseq: lav el kutakel enq, hima ekel e avary kiselu zhamanaky.... Chem haskanum, te ayd vor mi xeloqn e nman himarutyan heghinakn u hastatoghy...

Derevs HAK-um hark eghav verlucel ev ver hanel partadir kutakayini haykakan tarberaki terutyunnery։ Hetagayum, AZh-um qayl ar qayl ver hanvecin stery. gorci mej drvac tarberaky voreve lurj aghers chuni rusakan, estonakan u chiliakan tarberakneri het (sa el verjers parz dardzav)։ Urax em, vor ayd ashxatanqi shnorhiv e naev, vor hasarakutyuny haskacel e, te inch aylandak ban e ir vzin phatatel karavarutyuny։ Sahmanadrakan datarany, karcum em, cheghyal e haytararelu ays «reformy»։ Aynqan tchchacogh e himarutyuny։ Bayc aphsos e ays himarutyuny։ Bann ayn e, vor shans ka Ginesi rekordi։ Ayspes, ays orenqov 18-amya qaghaqacin 45 tarov depozit e dnum։ Sa rekord e։ Erek qrqrel em internety: 30 tarvanic avel depozit chka։ Isk guce ka։ Xndrum em mi hat el duq nayeq։ Ginesi rekordy dzerqnerics bac chtoghnenq։