Разрешение финансовых споров в странах АТР Индия. Учебное пособие

ɩɪɚɤɬɢɤɢ ɋɨɜɟɬ ɩɨ ɛɚɧɤɨɜɫɤɢɦ ɤɨɞɟɤɫɚɦ ɢ ɫɬɚɧɞɚɪɬɚɦ ɂɧɞɢɢ Banking Codes and Standards Board of India – BCSBIɫɨɡɞɚɧɧɵɣ ɬɚɤɠɟ Ɋɟɡɟɪɜɧɵɦ Ȼɚɧɤɨɦ ɂɧɞɢɢ ɫɨɡɞɚɥ ©Ʉɨɞɟɤɫ ɩɪɢɜɟɪɠɟɧɧɨɫɬɢ Ȼɚɧɤɚ ɦɢɤɪɨ ɢ ɦɚɥɵɦ ɩɪɟɞɩɪɢɹɬɢɹɦª (Code of Bank’s Commitment to Micro and Small Enterprises) Ʉɨɞɟɤɫ ɹɜɥɹɟɬɫɹ ɚɤɬɨɦ ɦɹɝɤɨɝɨ ɩɪɚɜɚ ɛɚɧɤɢ ɱɥɟɧɵ Ⱥɫɫɨɰɢɚɰɢɢ ɢɧɞɢɣɫɤɢɯ ɛɚɧɤɨɜ ɦɨɝɭɬ ɫɥɟɞɨɜɚɬɶ ɟɝɨ ɩɨɥɨɠɟɧɢɹɦ ɧɚ ɞɨɛɪɨɜɨɥɶɧɨɣ ɨɫɧɨɜɟ ȼ ɨɛɥɚɫɬɢ ɡɚɳɢɬɵ ɞɚɧɧɵɯ ɤɥɢɟɧɬɨɜ ɢ ɤɨɧɮɢɞɟɧɰɢɚɥɶɧɨɫɬɢ ɜ ɂɧɞɢɢ ɛɵɥ ɩɪɢɧɹɬ ɰɟɥɵɣ ɪɹɞ ɧɨɪɦɚɬɢɜɧɵɯ ɚɤɬɨɜ Ɂɚɤɨɧ ɨ ɛɚɧɤɨɜɫɤɨɣ ɞɟɹɬɟɥɶɧɨɫɬɢ ɝBanking Regulations Act, 1949 Ɂɚɤɨɧ ɨɛ ɢɡɦɟɧɟɧɢɹɯ ɜ ɫɮɟɪɟ ɢɧɮɨɪɦɚɰɢɨɧɧɵɯ ɬɟɯɧɨɥɨɝɢɣ ɩɨɩɪɚɜɤɚ ɝIT (Amendment) Act, 2008Ɂɚɤɨɧ ɨ ɬɟɥɟɝɪɚɮɟɝ Indian Telegraph Act, 1885 Ɂɚɤɨɧ ɨ ɩɭɛɥɢɱɧɵɯ ɮɢɧɚɧɫɨɜɵɯ ɭɱɪɟɠɞɟɧɢɹɯ ɝThe Public Financial Institutions Act, 1983Ɂɚɤɨɧ ɨ ɤɪɟɞɢɬɧɵɯɨɩɟɪɚɰɢɹɯɤɨɦɩɚɧɢɣɩɪɚɜɢɥɚɯ ɝ The Credit Information Companies (Regulations) Act, 2005) ɚ ɬɚɤɠɟ ɭɠɟ ɭɩɨɦɢɧɚɜɲɢɣɫɹ Ɂɚɤɨɧ ɨ ɡɚɳɢɬɟ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣ ɝ

ȼɵɜɨɞɵ Ɇɟɪɵ ɩɪɟɞɩɪɢɧɹɬɵɟ ɩɪɚɜɢɬɟɥɶɫɬɜɨɦ ɂɧɞɢɢ ɩɨ ɪɚɡɜɢɬɢɸ ɦɢɤɪɨɮɢɧɚɧɫɢɪɨɜɚɧɢɹ ɜ ɫɬɪɚɧɟ ɢɦɟɥɢ ɨɩɪɟɞɟɥɟɧɧɵɣ ɭɫɩɟɯ ɋɟɤɬɨɪ ɦɢɤɪɨɮɢɧɚɧɫɢɪɨɜɚɧɢɹ ɛɵɫɬɪɨ ɪɚɫɬɟɬ ɨ ɱɟɦ ɫɜɢɞɟɬɟɥɶɫɬɜɭɟɬInclusive Finance India Report 2016 Ɉɞɧɚɤɨ ɦɧɨɝɢɟ ɮɢɧɚɧɫɨɜɵɟ ɚɧɚɥɢɬɢɤɢ ɩɨɥɚɝɚɸɬ ɱɬɨ ɷɬɨ ɦɨɠɟɬ ɩɪɢɜɟɫɬɢ ɤ ɩɨɜɬɨɪɟɧɢɸ ɤɪɢɡɢɫɚ ɝ ɤɨɝɞɚ ɤɪɟɞɢɬɨɜɚɧɢɟ ɩɪɢɜɟɥɨ ɤ ɱɪɟɡɦɟɪɧɨɦɭ ɪɨɫɬɭ ɤɥɢɟɧɬɫɤɨɣ ɡɚɞɨɥɠɟɧɧɨɫɬɢ ɢ ɤ ɤɪɭɩɧɨɦɚɫɲɬɚɛɧɨɦɭ ɞɟɮɨɥɬɭ

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ɉɨɧɹɬɢɟ ɮɢɧɚɧɫɨɜɵɯ ɫɩɨɪɨɜ ɜ ɂɧɞɢɢ

ɋ ɝ ɂɧɞɢɹ ɫɬɚɥɚ ɨɞɧɨɣ ɢɡ ɫɚɦɵɯ ɛɵɫɬɪɨɪɚɫɬɭɳɢɯ ɷɤɨɧɨɦɢɤ ɜ ɦɢɪɟ ɇɚɪɹɞɭ ɫ ɪɚɫɬɭɳɟɣ ɷɤɨɧɨɦɢɤɨɣ ɩɨɥɢɬɢɤɚ ɥɢɛɟɪɚɥɢɡɚɰɢɢ ɜ ɡɧɚɱɢɬɟɥɶɧɨɣ ɫɬɟɩɟɧɢ ɫɩɨɫɨɛɫɬɜɨɜɚɥɚ ɪɚɫɲɢɪɟɧɢɸ ɛɚɧɤɨɜɫɤɨɣ ɨɬɪɚɫɥɢ Ⱦɥɹ ɩɪɹɦɵɯ ɢɧɨɫɬɪɚɧɧɵɯ ɢɧɜɟɫɬɢɰɢɣ ɫɥɨɠɢɥɚɫɶ ɛɥɚɝɨɩɪɢɹɬɧɚɹ ɩɨɥɢɬɢɤɚ ɤɨɬɨɪɚɹ ɫɞɟɥɚɥɚ ɛɚɧɤɨɜɫɤɭɸ ɨɬɪɚɫɥɶ ɛɨɥɟɟ ɞɢɧɚɦɢɱɧɨɣ ɢ ɤɨɧɤɭɪɟɧɬɨɫɩɨɫɨɛɧɨɣ ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹɜɂɧɞɢɢɢɦɟɟɬɫɹ ɤɨɦɦɟɪɱɟɫɤɢɯɛɚɧɤɨɜ ɱɚɫɬɧɵɯɛɚɧɤɨɜɢ ɢɧɨɫɬɪɚɧɧɵɣ ɛɚɧɤ ɫ ɨɛɴɟɞɢɧɟɧɧɨɣ ɫɟɬɶɸ ɢɡ ɛɨɥɟɟ ɨɬɞɟɥɟɧɢɣ ɢ ɛɚɧɤɨɦɚɬɨɜ ɇɟɫɤɨɥɶɤɨ ɢɧɞɢɣɫɤɢɯ ɛɚɧɤɨɜ ɜɯɨɞɹɬ ɜ ɱɢɫɥɨ ɤɪɭɩɧɟɣɲɢɯ ɛɚɧɤɨɜ ɦɢɪɚ ɬɚɤɢɯ ɤɚɤ Ƚɨɫɭɞɚɪɫɬɜɟɧɧɵɣ ɛɚɧɤ ɂɧɞɢɢ (State Bank of India ɢ ɉɪɨɦɵɲɥɟɧɧɚɹ ɤɪɟɞɢɬɧɨ ɢɧɜɟɫɬɢɰɢɨɧɧɚɹ ɤɨɪɩɨɪɚɰɢɹ ɂɧɞɢɢ Industrial Credit and Investment Corporation of Indiaɚɤɬɢɜɵ ɤɨɬɨɪɵɯ ɩɪɟɜɵɲɚɸɬ ɦɥɪɞ ɞɨɥɥ ɋɒȺ ɉɨɫɤɨɥɶɤɭ ɢɧɞɭɫɬɪɢɹ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ ɫɬɚɧɨɜɢɬɫɹ ɛɨɥɟɟ ɞɢɜɟɪɫɢɮɢɰɢɪɨɜɚɧɧɨɣ ɢ ɢɧɧɨɜɚɰɢɨɧɧɨɣ ɪɚɫɬɭɬ ɪɢɫɤɢ ɩɪɢɨɛɪɟɬɟɧɢɹ ɛɚɧɤɨɜɫɤɢɯ ɩɪɨɞɭɤɬɨɜ ɢ ɭɫɥɭɝ ɗɬɨ ɫɨɡɞɚɟɬ ɫɟɪɶɟɡɧɵɟ ɩɪɨɛɥɟɦɵ ɞɥɹ ɢɧɞɢɣɫɤɢɯ ɮɢɧɚɧɫɨɜɵɯ ɪɟɝɭɥɹɬɨɪɨɜ ɬɚɤɢɯ ɤɚɤ Ɋɟɡɟɪɜɧɵɣ Ȼɚɧɤ ɂɧɞɢɢ ɤɨɬɨɪɵɟ ɫɬɪɟɦɹɬɫɹ ɪɚɡɪɚɛɨɬɚɬɶ ɱɟɬɤɢɟ ɢ ɫɩɪɚɜɟɞɥɢɜɵɟ ɩɪɚɜɢɥɚ ɤɚɤ ɞɥɹ ɤɥɢɟɧɬɨɜ ɬɚɤ ɢ ɞɥɹ ɛɚɧɤɨɜ ɉɨɫɥɟ ɤɪɢɡɢɫɚ ɝ ɱɚɫɬɧɵɟ ɛɚɧɤɢ ɢ ɦɢɤɪɨɮɢɧɚɧɫɨɜɵɟɨɪɝɚɧɢɡɚɰɢɢɆɎɈɂɧɞɢɢɬɚɤɠɟɩɪɢɲɥɢɤɩɨɧɢɦɚɧɢɸ ɧɟɨɛɯɨɞɢɦɨɫɬɢ ɩɪɨɜɨɞɢɬɶ ɩɨɥɢɬɢɤɭ ɡɚɳɢɬɵ ɩɪɚɜ ɤɥɢɟɧɬɨɜ ȼ ɝ ɩɪɚɜɢɬɟɥɶɫɬɜɨ ɂɧɞɢɢɡɚɤɪɵɥɨɛɨɥɟɟ ɮɢɥɢɚɥɨɜɛɚɧɤɨɜɢ ɆɎɈɜ ɲɬɚɬɟ Ⱥɧɞɯɪɚ ɉɪɚɞɟɲ ɨɛɜɢɧɢɜ ɢɯ ɜ ɪɨɫɬɨɜɳɢɱɟɫɤɢɯ ɩɪɨɰɟɧɬɧɵɯ ɫɬɚɜɤɚɯ

ȼɧɭɬɪɟɧɧɢɟ ɮɢɧɚɧɫɨɜɵɟ ɫɩɨɪɵ ɜ ɂɧɞɢɢ ɩɪɟɠɞɟ ɜɫɟɝɨ ɫɜɹɡɚɧɵ ɫ ɩɨɧɹɬɢɟɦ ©ɡɚɳɢɬɵ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝª ɤɨɬɨɪɨɟ

Ɏɪɨɥɨɜɚ ȿɜɝɟɧɢɹ ȿɜɝɟɧɶɟɜɧɚ Ɋɨɫɫɢɣɫɤɢɣ ɭɧɢɜɟɪɫɢɬɟɬ ɞɪɭɠɛɵ ɧɚɪɨɞɨɜ ɊɍȾɇ ɘɪɢɞɢɱɟɫɤɢɣ ɢɧɫɬɢɬɭɬ ɞɨɤɬɨɪ ɸɪɢɞɢɱɟɫɤɢɯ ɧɚɭɤ ɩɪɨɮɟɫɫɨɪ ɡɚɜɟɞɭɸɳɚɹ ɤɚɮɟɞɪɨɣ ɝɪɚɠɞɚɧɫɤɨɝɨ ɩɪɚɜɚ ɢ ɩɪɨɰɟɫɫɚ ɢ ɦɟɠɞɭɧɚɪɨɞɧɨɝɨ ɱɚɫɬɧɨɝɨ ɩɪɚɜɚ

&OLHQW 3URWHFWLRQ LQ ,QGLD 85/ KWWS ZZZ FHQWHUIRUILQDQFLDOLQFOXVLRQ RUJ SXEOLFDWLRQV D UHVRXUFHV FOLHQW SURWHFWLRQ OLEUDU\ VXPPDU\ RI FOLHQW SURWHFWLRQ LQ LQGLD Ⱦɚɬɚ ɨɛɪɚɳɟɧɢɹ

ɨɩɪɟɞɟɥɹɟɬɫɹ ɱɟɪɟɡ ɨɛɳɟɟ ɩɨɧɹɬɢɟ ©ɡɚɳɢɬɵ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣª ɡɚɤɪɟɩɥɟɧɧɨɟ ɜ ɡɚɤɨɧɟ ɂɧɞɢɢ ɨ ɡɚɳɢɬɟ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣ ɝConsumer Protection Act of 1986 CPA ɋɥɟɞɭɟɬ ɭɤɚɡɚɬɶ ɱɬɨ ɤ ɮɢɧɚɧɫɨɜɵɦ ɭɫɥɭɝɚɦ ɡɚɤɨɧɵ ɂɧɞɢɢ ɨɬɧɨɫɹɬ ɛɚɧɤɨɜɫɤɢɟ ɭɫɥɭɝɢ ɩɨ ɜɵɞɚɱɟ ɤɪɟɞɢɬɨɜ ɢ ɞɟɩɨɡɢɬɚɦ ɤɪɟɞɢɬɧɵɯ ɤɚɪɬ ɢ ɬ ɞ ɭɫɥɭɝɢ ɩɨ ɨɛɦɟɧɭ ɜɚɥɸɬɵ ɢɥɢ ɛɚɧɤɨɜɫɤɢɦ ɩɟɪɟɜɨɞɚɦ ɢɧɜɟɫɬɢɰɢɨɧɧɵɟ ɭɫɥɭɝɢ ɩɨ ɭɩɪɚɜɥɟɧɢɸ ɚɤɬɢɜɚɦɢ ɯɟɞɠ ɮɨɧɞɚɦɢ ɢ ɞɪ ɫɬɪɚɯɨɜɵɟ ɭɫɥɭɝɢ ɩɨ ɩɪɨɞɚɠɟ ɫɬɪɚɯɨɜɵɯ ɩɨɥɢɫɨɜ ɛɪɨɤɟɪɫɤɢɟ ɭɫɥɭɝɢ ɢ ɞɪ

ɂɧɞɢɣɫɤɢɣ ɚɜɬɨɪ ɋɚɦɢɪ ɉɚɪɟɯ ɩɢɫɚɥ ɱɬɨ ɨɫɧɨɜɧɵɦɢ ɫɩɨɫɨɛɚɦɢ ɪɚɡɪɟɲɟɧɢɹ ɫɩɨɪɨɜ ɜ ɂɧɞɢɢ ɹɜɥɹɸɬɫɹ ɚ ɫɭɞɟɛɧɨɟ ɪɚɡɛɢɪɚɬɟɥɶɫɬɜɨ ɢ ɛ ɚɪɛɢɬɪɚɠ Ȼɨɥɶɲɢɧɫɬɜɨ ɤɪɭɩɧɵɯ ɤɨɦɦɟɪɱɟɫɤɢɯ ɤɨɧɬɪɚɤɬɨɜ ɨɫɨɛɟɧɧɨ ɜ ɫɮɟɪɟ ɮɢɧɚɧɫɨɜɵɯ ɨɩɟɪɚɰɢɣ ɢ ɬɨɪɝɨɜɥɢ ɫɨɞɟɪɠɚɬ ɚɪɛɢɬɪɚɠɧɵɟ ɨɝɨɜɨɪɤɢ Ɉɞɧɚɤɨ ɦɧɨɝɢɟɤɪɭɩɧɵɟɤɨɧɬɪɚɤɬɵɧɟɫɨɞɟɪɠɚɬɚɪɛɢɬɪɚɠɧɨɣɨɝɨɜɨɪɤɢɢɫɬɨɪɨɧɵ ɜɵɧɭɠɞɟɧɵ ɢɫɩɨɥɶɡɨɜɚɬɶ ɝɨɫɭɞɚɪɫɬɜɟɧɧɵɟ ɫɭɞɵ ɞɥɹ ɪɚɡɪɟɲɟɧɢɹ ɫɜɨɢɯ ɫɩɨɪɨɜ Ʉɨɦɦɟɪɱɟɫɤɢɟ ɫɩɨɪɵ ɜ ɂɧɞɢɢ ɩɟɪɟɞɚɸɬɫɹ ɜ Ʉɨɦɦɟɪɱɟɫɤɢɟ ɫɭɞɵ (Commercial Courts) ɋɨɝɥɚɫɧɨ ɡɚɤɨɧɭ ɂɧɞɢɢ ɨ ɤɨɦɦɟɪɱɟɫɤɢɯ ɫɭɞɚɯ ɢ ɤɨɦɦɟɪɱɟɫɤɢɯ ɚɩɟɥɥɹɰɢɨɧɧɵɯ ɨɬɞɟɥɟɧɢɹɯ ɩɪɢ ȼɵɫɨɤɢɯ ɋɭɞɚɯ ɝ

(Commercial Division and Commercial Appellate Division of High Courts Act 2015)57 Ʉɨɦɦɟɪɱɟɫɤɢɟ ɫɭɞɵ ɛɵɥɢ ɫɨɡɞɚɧɵ ɤɚɤ ɜ ɫɬɪɭɤɬɭɪɟ Ɋɚɣɨɧɧɵɯ ɂɧɞɢɢDistrict Courts)ɬɚɤ ɢ ɜ ɫɬɪɭɤɬɭɪɟ ȼɵɫɨɤɢɯ ɋɭɞɨɜ ɲɬɚɬɨɜ (High Courts)ȼ ɤɨɦɩɟɬɟɧɰɢɸɄɨɦɦɟɪɱɟɫɤɢɯɫɭɞɨɜɜɯɨɞɢɬɤɪɨɦɟɩɪɨɱɟɝɨɪɚɫɫɦɨɬɪɟɧɢɟɢ

Ɏɪɨɥɨɜɚ ȿ.ȿ Ɇɟɠɞɭɧɚɪɨɞɧɵɟ ɢ ɜɧɭɬɪɟɧɧɢɟ ɮɢɧɚɧɫɨɜɵɟ ɫɩɨɪɵ ɜ ɱɟɦ ɨɬɥɢɱɢɟ" ɋɪɚɜɧɢɬɟɥɶɧɨ ɩɪɚɜɨɜɵɟɚɫɩɟɤɬɵɩɪɚɜɨɨɬɧɨɲɟɧɢɣɝɪɚɠɞɚɧɫɤɨɝɨɨɛɨɪɨɬɚɜɫɨɜɪɟɦɟɧɧɨɦ ɦɢɪɟ ɋɛɨɪɧɢɤ ɫɬɚɬɟɣ Ɇɟɠɞɭɧɚɪɨɞɧɨɣ ɧɚɭɱɧɨ ɩɪɚɤɬɢɱɟɫɤɨɣ ɤɨɧɮɟɪɟɧɰɢɢ ɩɚɦɹɬɢ ɩɪɨɮ ȼ Ʉ ɉɭɱɢɧɫɤɨɝɨ ɨɤɬɹɛɪɹ ɝ Ɇ ɊɍȾɇ ɋ

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ɪɚɡɪɟɲɟɧɢɟ ɫɩɨɪɨɜ ɜ ɫɮɟɪɟ ɬɪɚɧɡɚɤɰɢɣ ɛɚɧɤɨɜɫɤɢɯ ɢ ɮɢɧɚɧɫɨɜɵɯ ɨɩɟɪɚɰɢɣ

ɫɬɪɚɯɨɜɚɧɢɹ ɢ ɩɟɪɟɫɬɪɚɯɨɜɚɧɢɹ ɢ ɞɪ

Ʉɪɨɦɟ Ʉɨɦɦɟɪɱɟɫɤɢɯ ɫɭɞɨɜ ɮɢɧɚɧɫɨɜɵɟ ɫɩɨɪɵ ɦɟɠɞɭ ɩɨɫɬɚɜɳɢɤɚɦɢ ɢ ɩɨɬɪɟɛɢɬɟɥɹɦɢ ɦɨɝɭɬ ɛɵɬɶ ɪɚɫɫɦɨɬɪɟɧɵ ɫɩɟɰɢɚɥɢɡɢɪɨɜɚɧɧɵɦ ɫɭɞɨɦ Ʉɨɦɢɫɫɢɟɣ ɩɨ ɩɨɬɪɟɛɢɬɟɥɶɫɤɢɦ ɫɩɨɪɚɦConsumer Disputes Commission ɜ ɤɨɦɩɟɬɟɧɰɢɸɤɨɬɨɪɨɣɜɯɨɞɢɬɪɚɡɪɟɲɟɧɢɟɩɨɬɪɟɛɢɬɟɥɶɫɤɢɯɢɫɤɨɜɜɤɥɸɱɚɹ ɢɫɤɢ ɩɨ ɜɨɩɪɨɫɚɦ ɫɬɪɚɯɨɜɚɧɢɹ ɢ ɩɟɪɟɫɬɪɚɯɨɜɚɧɢɹ ɋɨɝɥɚɫɧɨ ɧɨɪɦɚɦ ɡɚɤɨɧɚ ɂɧɞɢɢɨɡɚɳɢɬɟɩɪɚɜɩɨɬɪɟɛɢɬɟɥɟɣ ɝɄɨɦɢɫɫɢɢɩɨɩɨɬɪɟɛɢɬɟɥɶɫɤɢɦ ɫɩɨɪɚɦ ɛɵɥɢ ɫɨɡɞɚɧɵ ɧɚ ɧɚɰɢɨɧɚɥɶɧɨɦ ɭɪɨɜɧɟ ɭɪɨɜɧɟ ɲɬɚɬɨɜ ɢ ɧɚ ɦɟɫɬɧɨɦ ɭɪɨɜɧɟ ɇɚɰɢɨɧɚɥɶɧɚɹ ɤɨɦɢɫɫɢɹ ɩɨ ɪɚɫɫɦɨɬɪɟɧɢɸ ɩɨɬɪɟɛɢɬɟɥɶɫɤɢɯ ɫɩɨɪɨɜ ɹɜɥɹɟɬɫɹ ɤɜɚɡɢ ɫɭɞɟɛɧɵɦ ɨɪɝɚɧɨɦ Ʉɨɦɢɫɫɢɹ ɛɵɥɚ ɫɨɡɞɚɧɚ ɜ ɝ ȿɟ ɝɨɥɨɜɧɨɣ ɨɮɢɫ ɧɚɯɨɞɢɬɫɹ ɜ ɇɶɸ Ⱦɟɥɢ Ʉɚɤ ɩɪɚɜɢɥɨ Ʉɨɦɢɫɫɢɸ ɜɨɡɝɥɚɜɥɹɟɬ ɫɭɞɶɹ ȼɟɪɯɨɜɧɨɝɨ ɫɭɞɚ ɂɧɞɢɢ ɢɥɢ ɫɭɞɶɹ ɜɵɲɟɞɲɢɣ ɧɚ ɩɟɧɫɢɸ ɉɨ ɞɚɧɧɵɦ ɨɬɱɟɬɚɧɚɦɚɪɬ ɝɜɫɟɝɨɤɨɦɢɫɫɢɹɦɢɛɵɥɨɪɚɫɫɦɨɬɪɟɧɨɨɤɨɥɨ ɦɥɧ ɠɚɥɨɛ ɩɨɬɪɟɛɢɬɟɥɟɣ ɜ ɬ ɱ ɇɚɰɢɨɧɚɥɶɧɨɣ ɤɨɦɢɫɫɢɟɣ ± ɠɚɥɨɛɵ ɤɨɦɢɫɫɢɹɦɢ ɲɬɚɬɨɜ ± ɠɚɥɨɛ ɪɚɣɨɧɧɵɦɢ ɤɨɦɢɫɫɢɹɦɢ ± ɠɚɥɨɛɵ

Ɋɟɡɟɪɜɧɵɣ Ȼɚɧɤ ɂɧɞɢɢReserve Bank of India - RBIɱɟɪɟɡ ɫɜɨɣ ɋɨɜɟɬ ɨɫɭɳɟɫɬɜɥɹɟɬ ɤɨɧɫɨɥɢɞɢɪɨɜɚɧɧɵɣ ɧɚɞɡɨɪ ɡɚ ɮɢɧɚɧɫɨɜɵɦ ɫɟɤɬɨɪɨɦ ɜɤɥɸɱɚɸɳɢɦ ɤɨɦɦɟɪɱɟɫɤɢɟ ɛɚɧɤɢ ɮɢɧɚɧɫɨɜɵɟ ɭɱɪɟɠɞɟɧɢɹ ɢ ɧɟɛɚɧɤɨɜɫɤɢɟ ɮɢɧɚɧɫɨɜɵɟ ɤɨɦɩɚɧɢɢ ɋ ɝ ɩɪɢ Ɋɟɡɟɪɜɧɨɦ Ȼɚɧɤɟ ɞɟɣɫɬɜɭɟɬ Ȼɚɧɤɨɜɫɤɢɣ ɨɦɛɭɞɫɦɟɧ Banking Ombudsman ɤɨɬɨɪɵɣ ɜ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɪɚɡɪɟɲɚɟɬ ɠɚɥɨɛɵ ɩɨɬɪɟɛɢɬɟɥɟɣ ɛɚɧɤɨɜɫɤɢɯ ɭɫɥɭɝ ɫɨɝɥɚɫɧɨ ɋɯɟɦɟ ɛɚɧɤɨɜɫɤɨɝɨ ɨɦɛɭɞɫɦɟɧɚ ɂɧɞɢɢ ɝ

ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɜ ɂɧɞɢɢ ɩɨɥɢɬɢɤɚ ɡɚɳɢɬɵ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ ɩɪɨɜɨɞɢɬɫɹ ɩɨ ɫɥɟɞɭɸɳɢɦ ɧɚɩɪɚɜɥɟɧɢɹɦ

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x ɜ ɝ Ɋɟɡɟɪɜɧɵɣ Ȼɚɧɤ ɂɧɞɢɢ ɫɨɡɞɚɥ ɋɨɜɟɬ ɩɨ ɛɚɧɤɨɜɫɤɢɦ ɤɨɞɟɤɫɚɦ ɢ ɫɬɚɧɞɚɪɬɚɦ ɂɧɞɢɢ Banking Codes and Standards Board of India – BCSBI ɜ ɩɨɥɧɨɦɨɱɢɹ ɤɨɬɨɪɨɝɨ ɜɯɨɞɢɬ ɪɚɡɪɚɛɨɬɤɚ ɫɬɚɧɞɚɪɬɨɜ ɛɚɧɤɨɜɫɤɨɣ ɞɟɹɬɟɥɶɧɨɫɬɢɜɡɚɳɢɬɭɤɥɢɟɧɬɨɜ pro-client ɤɨɬɨɪɵɟɞɨɥɠɧɵɫɨɛɥɸɞɚɬɶɫɹ ɛɚɧɤɚɦɢ ɧɚ ɞɨɛɪɨɜɨɥɶɧɨɣ ɨɫɧɨɜɟ

x ɂɧɞɢɣɫɤɢɟɛɚɧɤɨɜɫɤɢɟɚɫɫɨɰɢɚɰɢɢ Indian Banking Associations ɢɦɟɸɬ ɫɜɨɢ ɫɨɛɫɬɜɟɧɧɵɟ ɤɨɞɟɤɫɵ ɜɟɞɟɧɢɹ ɛɚɧɤɨɜɫɤɨɣ ɞɟɹɬɟɥɶɧɨɫɬɢ ɫɨ ɫɬɪɨɝɢɦɢ ɲɬɪɚɮɚɦɢ ɤɨɬɨɪɵɟ ɧɚɥɚɝɚɸɬɫɹ ɧɚ ɱɥɟɧɨɜ Ⱥɫɫɨɰɢɚɰɢɢ ɡɚ ɢɯ ɧɟɫɨɛɥɸɞɟɧɢɟ

x Ⱥɫɫɨɰɢɚɰɢɹ ɋɚ Ⱦɯɚɧ Sa-Dhan ɛɵɥɚ ɨɫɧɨɜɚɧɚ ɜ ɝ ɪɹɞɨɦ ɢɧɞɢɣɫɤɢɯ ɛɚɧɤɨɜ ɫɪɟɞɢ ɤɨɬɨɪɵɯ ©6(:$%DQNª ©35$'$1ª ɢ ©%$6,;ª Ⱥɫɫɨɰɢɚɰɢɹ ɨɛɴɟɞɢɧɹɟɬ ɆɎɈ ɢ ɞɪɭɝɢɯ ɡɚɢɧɬɟɪɟɫɨɜɚɧɧɵɯ ɫɬɨɪɨɧ ɦɢɤɪɨɮɢɧɚɧɫɢɪɨɜɚɧɢɹSa-Dhanɹɜɥɹɟɬɫɹ ɜɟɞɭɳɟɣ ɧɚɰɢɨɧɚɥɶɧɨɣ ɫɟɬɶɸ ɆɎɈ ɤɨɬɨɪɵɟ ɩɪɢɧɹɥɢ Ʉɨɞɟɤɫ ɩɨɜɟɞɟɧɢɹ code of conduct ɩɪɨɜɨɡɝɥɚɲɚɸɳɢɣ ɩɪɢɧɰɢɩ ɨɪɢɟɧɬɚɰɢɢ ɧɚ ɤɥɢɟɧɬɚ(client-focused

Ʉɚɤ ɨɬɦɟɱɚɥ ɢɧɞɢɣɫɤɢɣ ɚɜɬɨɪ Ⱦɢɧɟɲ ɍɧɢɤɪɢɲɧɚɧ ɜ ɦɚɪɬɟ ɝ ɩɪɚɜɢɬɟɥɶɫɬɜɨɂɧɞɢɢɫɨɡɞɚɥɨɄɨɦɢɫɫɢɸɩɨɡɚɤɨɧɨɞɚɬɟɥɶɧɵɦɪɟɮɨɪɦɚɦ ɮɢɧɚɧɫɨɜɨɝɨ ɫɟɤɬɨɪɚ Financial Sector Legislative Reforms Commission - FSLRC) ȿɟ ɦɚɧɞɚɬ ɡɚɤɥɸɱɚɥɫɹ ɜ ɜɫɟɫɬɨɪɨɧɧɟɦ ɩɟɪɟɫɦɨɬɪɟ ɢ ɩɟɪɟɪɚɛɨɬɤɟ ɡɚɤɨɧɨɞɚɬɟɥɶɫɬɜɚ ɪɟɝɭɥɢɪɭɸɳɟɝɨ ɮɢɧɚɧɫɨɜɭɸ ɫɢɫɬɟɦɭ ɂɧɞɢɢ Ʉɨɦɢɫɫɢɹ ɩɪɢɲɥɚ ɤ ɡɚɤɥɸɱɟɧɢɸ ɱɬɨ ɫɭɳɟɫɬɜɭɸɳɚɹ ɧɨɪɦɚɬɢɜɧɚɹ ɚɪɯɢɬɟɤɬɭɪɚ ɮɢɧɚɧɫɨɜɨɝɨ ɫɟɤɬɨɪɚ ɂɧɞɢɢ ɮɪɚɝɦɟɧɬɢɪɨɜɚɧɚ ɢɦɟɟɬ ɧɨɪɦɚɬɢɜɧɵɟ ɩɪɨɛɟɥɵ ɞɭɛɥɢɪɨɜɚɧɢɟ ɢ ɧɟɫɨɝɥɚɫɨɜɚɧɧɨɫɬɶ ȼ ɝ Ʉɨɦɢɫɫɢɹ ɩɪɟɞɫɬɚɜɢɥɚ ɜ Ɇɢɧɢɫɬɟɪɫɬɜɨ ɮɢɧɚɧɫɨɜ ɩɪɨɟɤɬ Ɏɢɧɚɧɫɨɜɨɝɨ ɤɨɞɟɤɫɚ ɂɧɞɢɢ Indian Financial Code ɉɪɨɟɤɬ ɜɤɥɸɱɢɥ ɜ ɫɟɛɹ ɧɨɜɟɣɲɢɟ ɬɟɨɪɟɬɢɱɟɫɤɢɟ ɪɚɡɪɚɛɨɬɤɢ

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ɢɧɞɢɣɫɤɢɯ ɛɚɧɤɨɜ ɩɟɪɟɞ ɬɪɚɧɫɝɪɚɧɢɱɧɵɦɢ ɦɨɲɟɧɧɢɱɟɫɤɢɦɢ ɫɞɟɥɤɚɦɢ Ɉɛ ɷɬɨɦ ɦɨɲɟɧɧɢɱɟɫɬɜɟ ɩɢɫɚɥɢ ɪɨɫɫɢɣɫɤɢɟ ɋɆɂ ©ɇɢɪɚɜ Ɇɨɞɢ ɢɧɞɢɣɫɤɢɣ ɦɢɥɥɢɚɪɞɟɪ ɛɵɥ ɨɛɜɢɧɟɧ ɜ ɤɪɭɩɧɨɦ ɦɨɲɟɧɧɢɱɟɫɬɜɟ Ɋɟɱɶ ɢɞɟɬ ɨ ɫɭɦɦɚɯ ɩɨɪɹɞɤɚ ɦɢɥɥɢɚɪɞɚ ɞɨɥɥɚɪɨɜ Ɉɛ ɷɬɨɦ ɫɨɨɛɳɢɥ ©ɂɧɬɟɪɮɚɤɫª ɋɭɬɶ ɩɪɟɬɟɧɡɢɣ ɢɧɞɢɣɫɤɢɯ ɮɢɫɤɚɥɨɜ ɤ ɇɢɪɚɜɭ Ɇɨɞɢ ɡɚɤɥɸɱɚɟɬɫɹ ɜ ɬɨɦ ɱɬɨ ɨɧ ɨɛɦɚɧɨɦ ɩɨɥɭɱɢɜ ɜɟɫɨɦɵɟ ɮɢɧɚɧɫɨɜɵɟ ɝɚɪɚɧɬɢɢ ɨɬ ɇɚɰɢɨɧɚɥɶɧɨɝɨ Ȼɚɧɤɚ ɉɟɧɞɠɚɛɚPunjab National Bankɧɚ ɦɢɥɥɢɚɪɞɚ ɞɨɥɥɚɪɨɜ ɩɪɢɜɥɟɤ ɩɨɞ ɷɬɢ ɝɚɪɚɧɬɢɢ ɡɧɚɱɢɬɟɥɶɧɵɟ ɡɚɪɭɛɟɠɧɵɟ ɤɪɟɞɢɬɵ ɋɥɟɞɨɜɚɬɟɥɢ ɩɨɞɨɡɪɟɜɚɸɬ ɱɬɨ ɦɨɲɟɧɧɢɱɟɫɤɚɹ ɫɯɟɦɚ ɛɵɥɚ ɪɚɡɪɚɛɨɬɚɧɚ ɤ ɝɨɞɭ ɬɨɝɞɚ ɠɟ ɢ ɩɭɳɟɧɚ ɜ ɯɨɞ ȼ ɛɚɧɤɟ ɩɨɞɨɡɪɟɜɚɸɬ ɱɬɨ ɦɢɥɥɢɚɪɞɟɪ ɞɟɣɫɬɜɨɜɚɥ ɜ ɫɝɨɜɨɪɟ ɫ ɪɭɤɨɜɨɞɢɬɟɥɹɦɢ ɫɪɟɞɧɟɝɨ ɡɜɟɧɚ ɜ Ɇɭɦɛɚɣɫɤɨɦ ɮɢɥɢɚɥɟ ɛɚɧɤɚ ȼ ɫɜɹɡɢ ɫ ɷɬɢɦ ɩɨɱɬɢ ɞɜɚ ɞɟɫɹɬɤɚ ɫɨɬɪɭɞɧɢɤɨɜ 3XQMDE 1DWLRQDO %DQN ɨɬɫɬɪɚɧɟɧɵ ɨɬ ɪɚɛɨɬɵª

ɋɥɟɞɭɟɬ ɤɨɧɫɬɚɬɢɪɨɜɚɬɶ ɱɬɨ ɩɨɩɵɬɤɢ ɉɪɚɜɢɬɟɥɶɫɬɜɚ ɂɧɞɢɢ ɫɜɹɡɚɧɧɵɟ ɫ ɩɪɢɧɹɬɢɟɦ ɟɞɢɧɨɝɨ ɧɨɪɦɚɬɢɜɧɨɝɨ ɚɤɬɚ ɪɟɝɭɥɢɪɭɸɳɟɝɨ ɩɪɟɞɨɫɬɚɜɥɟɧɢɟ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ ɜ ɫɬɪɚɧɟ ɩɨɤɚ ɧɟ ɭɜɟɧɱɚɥɢɫɶ ɭɫɩɟɯɨɦ Ɉɞɧɚɤɨ ɩɪɨɟɤɬ Ʉɨɦɢɫɫɢɢ ɩɨ ɡɚɤɨɧɨɞɚɬɟɥɶɧɵɦ ɪɟɮɨɪɦɚɦ ɮɢɧɚɧɫɨɜɨɝɨ ɫɟɤɬɨɪɚ Financial Sector Legislative Reforms Commission – FSLRC) - Ɏɢɧɚɧɫɨɜɵɣ ɤɨɞɟɤɫ ɂɧɞɢɢIndian Financial Code± ɩɨɤɚɡɵɜɚɟɬ ɱɬɨ ɪɚɛɨɬɚ ɜ ɷɬɨɦ ɧɚɩɪɚɜɥɟɧɢɢ ɜɟɞɟɬɫɹ ɍɱɢɬɵɜɚɹ ɩɨɥɨɠɟɧɢɹ ɭɤɚɡɚɧɧɨɝɨ ɩɪɨɟɤɬɚ ɦɨɠɧɨ ɡɚɤɥɸɱɢɬɶ ɱɬɨ ɩɨɞ ɜɧɭɬɪɟɧɧɢɦɢ ɮɢɧɚɧɫɨɜɵɦɢ ɫɩɨɪɚɦɢ ɜ ɂɧɞɢɢ ɩɨɧɢɦɚɸɬɫɹ ɫɩɨɪɵ ɦɟɠɞɭ ɩɨɫɬɚɜɳɢɤɚɦɢ ɢ ɩɨɬɪɟɛɢɬɟɥɹɦɢ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ ɫɜɹɡɚɧɧɵɟ ɩɪɟɠɞɟ ɜɫɟɝɨ ɫ ɩɨɤɭɩɤɨɣ ɩɪɨɞɚɠɟɣ ɢɥɢ ɩɨɞɩɢɫɤɨɣ ɧɚ ɮɢɧɚɧɫɨɜɵɟ ɩɪɨɞɭɤɬɵ ɢɧɜɟɫɬɢɪɨɜɚɧɢɟɦ ɫɬɪɚɯɨɜɚɧɢɟɦ ɮɢɧɚɧɫɨɜɵɦɢ ɤɨɧɫɭɥɶɬɚɰɢɹɦɢ ɢ ɞɪ Ƚɥɚɜɧɵɦ ɮɢɧɚɧɫɨɜɵɦ ɪɟɝɭɥɹɬɨɪɨɦ ɫɬɪɚɧɵ ɨɫɬɚɟɬɫɹ Ɋɟɡɟɪɜɧɵɣ Ȼɚɧɤ ɂɧɞɢɢ ɤɨɬɨɪɵɣ ɜɟɞɟɬ ɪɚɛɨɬɭ ɜ ɨɬɧɨɲɟɧɢɢ ɡɚɳɢɬɵ ɩɪɚɜ ɩɨɬɪɟɛɢɬɟɥɟɣ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ Ɍɚɤ ɫ ɝ ɩɪɢ Ɋɟɡɟɪɜɧɨɦ Ȼɚɧɤɟ ɞɟɣɫɬɜɭɟɬ Ȼɚɧɤɨɜɫɤɢɣ ɨɦɛɭɞɫɦɟɧ

Unnikrishnan Dinesh2S FLW

ɋɚɯɚɪɨɜ Ⱥɥɟɤɫɟɣ ɂɧɞɢɣɫɤɨɝɨ ɸɜɟɥɢɪɚ ɨɛɜɢɧɢɥɢ ɜ ɦɢɥɥɢɚɪɞɧɨɦ ɦɨɲɟɧɧɢɱɟɫɬɜɟ ɮɟɜɪɚɥɹ 85/ KWWSV WY UX QHZV GHQJL LQGLMVNRJR MXYHOLUD PLOOLDUGHUD REYLQLOL Y PLOOLDUGQRP PRVKHQQLFKHVWYH Ⱦɚɬɚ ɨɛɪɚɳɟɧɢɹ

Ⱥɥɶɬɟɪɧɚɬɢɜɧɵɟ ɫɩɨɫɨɛɵ ɪɚɡɪɟɲɟɧɢɹ ɮɢɧɚɧɫɨɜɵɯ ɫɩɨɪɨɜ ɜ ɂɧɞɢɢ

ȼ ɢɧɬɟɪɜɶɸ ɠɭɪɧɚɥɭ ©Financier Worldwide» ɢɧɞɢɣɫɤɢɣ ɚɞɜɨɤɚɬ ɋɚɧɶɟɜ Ʉɚɩɭɪ ɡɚɹɜɢɥ ɱɬɨ ɜ ɩɨɫɥɟɞɧɢɟ ɝɨɞɵ ɦɨɠɧɨ ɧɚɛɥɸɞɚɬɶ ɪɚɫɬɭɳɭɸ ɡɚɜɢɫɢɦɨɫɬɶ ɢɧɞɢɣɫɤɢɯ ɤɨɦɩɚɧɢɣ ɨɬ ɚɥɶɬɟɪɧɚɬɢɜɧɨɝɨ ɦɟɯɚɧɢɡɦɚ ɪɚɡɪɟɲɟɧɢɹ ɫɩɨɪɨɜ ɜ ɤɨɧɬɟɤɫɬɟ ɦɟɠɞɭɧɚɪɨɞɧɵɯ ɤɨɦɦɟɪɱɟɫɤɢɯ ɬɪɚɧɡɚɤɰɢɣ ɨɩɵɬ ɩɨɤɚɡɚɥ ɱɬɨ ɫɬɨɪɨɧɵ ɨɛɵɱɧɨ ɩɨɥɚɝɚɸɬɫɹ ɧɚ ɢɡɜɟɫɬɧɵɟ ɚɪɛɢɬɪɚɠɧɵɟ ɢɧɫɬɢɬɭɬɵ ɬɚɤɢɟ ɤɚɤ ICCɉɚɪɢɠLCIAɅɨɧɞɨɧ ɢɥɢSIACɋɢɧɝɚɩɭɪ ɜɧɭɬɪɟɧɧɢɟ ɮɢɧɚɧɫɨɜɵɟ ɫɩɨɪɵ ɜ ɂɧɞɢɢ ɨɛɵɱɧɨ ɪɚɡɪɟɲɚɸɬɫɹ ɩɨɫɪɟɞɫɬɜɨɦ ɚɥɶɬɟɪɧɚɬɢɜɧɵɯ ɦɟɬɨɞɨɜ ɪɚɡɪɟɲɟɧɢɹ ɫɩɨɪɨɜ ɜ ɚɪɛɢɬɪɚɠɟ ɤɨɬɨɪɨɦɭ ɩɪɟɞɲɟɫɬɜɭɟɬ ɧɟɮɨɪɦɚɥɶɧɵɣ ɩɪɨɰɟɫɫ ɦɟɞɢɚɰɢɢ ɋɢɫɬɟɦɚ ɫɭɞɟɛɧɨɣ ɦɟɞɢɚɰɢɢ court mediation system ɪɚɡɜɢɬɚ ɜ ɂɧɞɢɢ ɞɨɫɬɚɬɨɱɧɨ ɯɨɪɨɲɨ ɩɨɱɬɢ ɜ ɤɚɠɞɨɦ ȼɵɫɨɤɨɦ ɋɭɞɟ ɲɬɚɬɚHigh Court ɫɨɡɞɚɧɵɰɟɧɬɪɵɫɭɞɟɛɧɨɣɦɟɞɢɚɰɢɢȼɫɟɝɨɬɚɤɢɯɰɟɧɬɪɨɜ Ɉɞɧɚɤɨ ɫɢɫɬɟɦɚ ɱɚɫɬɧɨɣ ɜɧɟɫɭɞɟɛɧɨɣ ɦɟɞɢɚɰɢɢ ɪɚɡɜɢɬɚ ɜ ɫɬɪɚɧɟ ɟɳɟ ɞɨɫɬɚɬɨɱɧɨ ɫɥɚɛɨ ȼ ɦɚɟ ɝ ɐɟɥɟɜɚɹ ɝɪɭɩɩɚ ©The Ease of Doing Businessª ɨɛɪɚɬɢɥɚɫɶ ɤ ɩɪɚɜɢɬɟɥɶɫɬɜɭ ɂɧɞɢɢ ɫ ɩɪɟɞɥɨɠɟɧɢɟɦ ɨ ɩɪɢɧɹɬɢɢ Ɂɚɤɨɧɚ ɨ ɞɨɛɪɨɜɨɥɶɧɨɣ ɜɧɟɫɭɞɟɛɧɨɣ ɦɟɞɢɚɰɢɢ law to regulate out-of-court voluntary mediation)Ɇɢɧɢɫɬɟɪɫɬɜɨ ɸɫɬɢɰɢɢ ɂɧɞɢɢ ɪɚɫɫɦɚɬɪɢɜɚɟɬ ɩɪɨɟɤɬ ɭɤɚɡɚɧɧɨɝɨ ɡɚɤɨɧɚ ɫ ɮɟɜɪɚɥɹ ɝ

ȿɪɦɚɤɨɜɚ ȿɥɟɧɚ ɉɟɬɪɨɜɧɚ Ɋɨɫɫɢɣɫɤɢɣ ɭɧɢɜɟɪɫɢɬɟɬ ɞɪɭɠɛɵ ɧɚɪɨɞɨɜ ɊɍȾɇ ɘɪɢɞɢɱɟɫɤɢɣ ɢɧɫɬɢɬɭɬ Ʉɚɧɞɢɞɚɬ ɸɪɢɞɢɱɟɫɤɢɯ ɧɚɭɤ ɞɨɰɟɧɬ ɞɨɰɟɧɬ ɤɚɮɟɞɪɵ ɝɪɚɠɞɚɧɫɤɨɝɨ ɩɪɚɜɚ ɢ ɩɪɨɰɟɫɫɚ ɢ ɦɟɠɞɭɧɚɪɨɞɧɨɝɨ ɱɚɫɬɧɨɝɨ ɩɪɚɜɚ5HVROYLQJ FRPPHUFLDO GLVSXWHV LQ ,QGLD ): PRGHUDWHV D GLVFXVVLRQ EHWZHHQ 0 3 %KDUXFKD DW %KDUXFKD 3DUWQHUV 6DQMHHY .DSRRU DW .KDLWDQ &R //3 DQG 9LNUDP 1DQNDQL DW WKH (FRQRPLF /DZV 3UDFWLFH RQ ,QGLDQ FRPPHUFLDO GLVSXWHV 85/ KWWSV ZZZ ILQDQFLHUZRUOGZLGH FRP UHVROYLQJ FRPPHUFLDO GLVSXWHV LQ LQGLD :Z$EFNL)13< Ⱦɚɬɚ ɨɛɪɚɳɟɧɢɹ

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