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Комерційний банк та його функції

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1 2058
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IIIINOA?NOAI INAIOE I IAOEE OE?A?IE

OA?EIANUeEEE IAOe?IIAEUeIEE OIIAA?NEOAO ?AAeIIAEAEO?IIIEE

Eaoaae?a AI

EIIO?IEUeIA ?IAIOA

c aeenoeeie?ie

“Ae?iaieoeoai AC“

Oa?e?a 2010

Ieoaiiy 1

Ooieoe?? eiia?oe?eieo aaie?a. Ni?eee oa anioe?aoe??. Aioeiiiiiieuei?
i?aaeea. E?aaeeoi? ?ano?ne eiia?oe?eieo aaie?a. I?ioeaioi? noaaee c
iia?aoe?yie eiia?oe?eieo aaie?a

A?aeiia?aeue

Eiia?oe?ei? aaiee cae?eniththoue ia aeiaia??ieo oiiaao
e?aaeeoii-?ic?aooieiaa, eaniaa oa ?ioa aaie?anueea ianeoaiaoaaiiy
i?aei?e?inoa, onoaiia, i?aai?caoe?e ? a?iiaaeyi oeyoii aeeiiaiiy
iia?aoe?e ? iaaeaiiy iineoa, ia?aaeaa/aieo noaooath 3 oeueiai caeiio.

Eiia?oe?ei? aaiee iiaeooue a?aee?eaaoe ia oa?eoi??? Oe?a?ie oa ca ??
iaaeaie o?e?aee ? i?aaenoaaieoeoaa ca iiaiaeaeaiiyi c Iaoe?iiaeueiei
aaieii.

Aeo?aoe eiia?oe?eieo aaie?a c ianeoaiaoaaiiy aea?aeaaiiai ai?ao,
caai?aiaaiino? c ??cieoeath a oe?iao, iaaeaiiyi i?eueaiaeo aea?aeaaieo
e?aaeeo?a cae?eniththoueny ca ?aooiie aea?aeaae.

Eiia?oe?ei? aaiee iiaeooue noai?thaaoe ni?eee, anioe?aoe?? oa ?io?
ia’?aeiaiiy aeey eii?aeeiaoe?? nai?? ae?yeueiino? ? caoenoo nai?o
?ioa?an?a.

Aaieai caai?iiy?oueny oeeaaeaoe ienueiia? oa oni? oaiaee c iaoith
iaiaaeaiiy eiieo?aioe?? a aaie?anuee?e ae?yeueiino?, a oaeiae
iiiiiie?caoe?? oiia iaaeaiiy e?aaeeo?a, ?ioeo iineoa, anoaiiaeaiiy
i?ioeaioieo noaaie ? ?ici??o eii?n?eii? aeiaai?iaee.

Eiia?oe?ei? aaiee ia iathoue i?aaa aac caiaee Iaoe?iiaeueiiai aaieo
ciaiooaaoe ?ici?? noaoooiiai oiiaeo ? ?iciiae?eyoe ?aca?ae na?aae
aeoe?iia??a, ia’?aeioaaoeny c ?ioeie aaieaie.

Eiio?ieue ca aeio?eiaiiyi aioeiiiiiieueiiai caeiiiaeaanoaa o noa??
aaie?anueei? ae?yeueiino? cae?enith? Aioeiiiiiieueiee eii?oao Oe?a?ie.
?ai?aai?caoe?y (ceeooy, i?e?aeiaiiy) eiia?oe?eieo aaie?a cae?enith?oueny
ca iiaiaeaeaiiyi c Aioeiiiiiieueiei eii?oaoii Oe?a?ie o aeiaaeeao,
ia?aaeaa/aieo /eiiei caeiiiaeaanoaii.

Eiia?oe?ei? aaiee cae?eniththoue e?aaeeoi? iia?aoe?? a iaaeao e?aaeeoieo
?ano?n?a, ye? aiie ooai?ththoue a i?ioean? nai?? ae?yeueiino?.

Eiia?oe?ei? aaiee i?e iaiao?aeiino? iiaeooue ia aeiaia??ieo canaaeao
iice/aoe ?ano?ne iaeei a iaeiiai, caeo/aoe ? ?ici?uoaaoe eiooe o oi?i?
aeaiiceo?a, aeeaae?a ? cae?enithaaoe aca?ii? iia?aoe??, ia?aaeaa/ai? ?o
noaoooaie.

I?e ianoa/? eioo?a aeey cae?eniaiiy e?aaeeoieo iia?aoe?e ? aeeiiaiiy
acyoeo ia naaa ciaia’ycaiue eiia?oe?ei? aaiee iiaeooue iaea?aeoaaoe
iice/ee o Iaoe?iiaeueiiio aaieo.

Eiia?oe?ei? aaiee naiino?eii anoaiiaeththoue i?ioeaioi? noaaee c nai?ie
iia?aoe?yie.

Ieoaiiy 2

?iaioeciaai? oaoiieia?/i? eiiieaene. Oeiia? no?oeoo?e ?OE. Ea?oaaiiy ?OE
ia iniia? iiaeae? ianiaiai ianeoaiaoaaiiy.

A?aeiia?aeue

Iaeiei c? oeyo?a aoaeoeaiiai ae??oaiiy i?iaeaie eiiieaenii?
aaoiiaoecaoe?? na??eiiai ? ae??aiina??eiiai ae?iaieoeoaa ? noai?aiiy
oeiiaeo ?iaioeciaaieo oaoiieia?/ieo eiiieaen?a (?OE) ??ciiai
i?ecia/aiiy, ui caaacia/othoue aeeiiaiiy an??? noeoiiino? oaoiieia?/ieo
iia?aoe?e c aeaioiaeaiiy ae?ia?a. Oae? eiiieaene iiaeii? a?aeiia?aeaoe
ianooiiei aeiiaai: caaacia/oaaoe iaae?eia ooieoe?iioaaiiy i?e aenieiio
??ai? aaoiiaoecaoe??; ioiiethaaoe iniiai? oaoiieia?/i? i?ioeane
ae?iaieoeoaa aeaeo?iiieo cania?a; iaoe iiaeeea?noue ni?yaeaiiy i?ae
niaith ? c oeiiaeie o?ainii?oieie nenoaiaie i?e ??cieo eiiiiioaaiiyo
aaoiiaoeciaaieo ae?eyiie ? AE; caaacia/oaaoe oe?ieo i?enoiniai?noue aei
ci?ie oiia ae?iaieoeoaa. Noai?thaai? ?OE iiaeii? caaacia/oaaoe
iiaeeea?noue aeai?o oaeiai ??aiy aaoiiaoecaoe?? i?ioean?a ae?iaieoeoaa ?
ea?oaaiiy, yeee ? aeiiii?/ii aei?aaaeaiei a eiie?aoieo oiiaao.

Canoinoaaiiy ?OE aeicaiey? eiiieaeooaaoe ??ci? oeie aaoiiaoeciaaieo
ae?eyiie, e?i?e ? AAN, noai?thaaoe neeaaei? ae?iaie/? nenoaie,
aeeoa?aioe?eiaai? ca neeaaeii aeeiioaaieo iia?aoe?e, i?ecia/aiiyi ?
??aiai aaoiiaoecaoe?? aeaioiaeaiiy oa ea?oaaiiy.

O no?oeoo?ii-eiiiiioaaeueiiio ieai? ?OE yaey? niaith noeoii?noue
aaoiiaoeciaaiiai oaoiieia?/iiai onoaoeoaaiiy ? i?iieneiaiai ?iaioa
(?iaio?a), ui ciaoiaeyoueny o iaaiiio aca?iica’yceo.

Canoinoaaiiy i?iieneiaeo ?iaio?a i?e noai?aii? oaoiieia?/ieo
aaoiiaoeciaaieo eiiieaen?a cia/ii ?icoe?th? ?oi? oaoiieia?/i?
iiaeeeaino?, i?aeaeuo? ??aaiue aaoiiaoecaoe??, iaaea? ?i aaoiiiii?noue ?
aio/e?noue.

Iaeeie/ia ianeoaiaoaaiiy onoaoeoaaiiy caaacia/o?oueny aaoiiiiiei /e
oaoaeiaaiei a onoaoeoaaiiy i?iieneiaei ?iaioii. Iniiai? caaea/?,
?ica’ycoaai? oaeei ?OE, iieyaathoue a aaoiiaoecaoe?? iia?aoe?e
aeaioiaeaiiy aeaoae?, ?? onoaiiaeaii?-ci?iaii?, aacoaaii? ? o?enaoe?? a
?iai/?e cii?, a oaeiae o caaacia/aii? ca’yceo c o?ainii?oieie e
?ioi?iaoe?eieie iioieaie iniiaiiai ae?iaieoeoaa.

A?oiiaa ianeoaiaoaaiiy onoaoeoaaiiy ca oiia eiai e?i?eiiai,
e?i?eii-??aiia?aeiiai /e e?oaiaiai ?icoaooaaiiy iiaea cae?enithaaoeny
iaeiei I?, yeee caaacia/o? e??i aeuaiacaaieo iia?aoe?e, ua ?
i?aeaa?noaoia o?ainii?ooaaiiy ae?ia?a. I?e oeueiio ca aeiiiiiaith I?
ae??oothoueny caaea/? aeeniao/a?ecoaaiiy ?iaioe AOO, ui aoiaeeoue o ?OE,
aeaiaio?a o?ainii?oieo nenoai ? aeiaeaoeiaeo iaoai?ci?a.

?iaeea?aeoaeueia aeeiiaiiy iniiaieo iia?aoe?e cae?enith?oueny
oaoiieia?/iei /e oi?aa?naeueieie I?, ia aac? yeeo noai?th?oueny ?OE.
Oaeeie oaoiieia?/ieie iia?aoe?yie iiaeooue aooe caa?thaaiiy aeaoaeae,
oa?aoaaiiy ae?ia?a, neeaaeaiiy ? iiioaae ooieoe?iiaeueieo aoce?a ia AeI
? o.?i.

A?oiiaa aeeiiaiiy ?iaioaie iniiaieo oaoiieia?/ieo iia?aoe?e i?e
aeaioiaeaii? yeiai-iaaoaeue ae?iao ? i?/ei ?ioei, ye eiioeaio?aoe??th
ie?aieo ia?aoiae?a ? iia?aoe?e ia iaeiiio ?iai/iio i?noe?. Iai?eeeaae,
i?e neeaaeaii? iiaeoey ia ae?oeiaai?e ieao? iiaeeeaee aa??aio i?ioeano,
eiee iaeei I? iaiineoue ia ieaoo aeico eeath, ae?oaee I? onoaiiaeth?
i?e?inoaio, o?ao?e – aeeiio? iayiiy aeaiae?a ? o.ae.

O no?oeoo?iiio ieai? ?OE neeaaea?oueny c oeiiaeo aeaiaio?a (iiaeoe?a),
cie?aia:

– iiaeoeue niaoe?aeueiiai aaoiiaoeciaaiiai oaoiieia?/iiai onoaoeoaaiiy,
ui neeaaea? iniiao ?OE, oiio ui an? ?io? i?eno?i? ? iiaeoe? i?ecia/ai?
aeey iniauaiiy (ianeoaiaoaaiiy) onoaoeoaaiiy;

– iiaeoe?-i?eno?i? ??cieo aeae?a aeey niaoe?aeueiiai oaoiieia?/iiai
iniauaiiy ?OE (niaoe?aeuei? i?enoinoaaiiy; oi?noiee aeey ?icieeaiiy
ieth/i? ??aeeie, oa?ae, noeniaiiai iia?o?y oa ?i.; ioainiie aeey
?icaaeueoeueiaoaaiiy i?noii?a ia AeI, aioooy aeaiae?a A?A; aeicaoi?e
aeey iaianaiiy aeice eeath ia AeI i?e o?enaoe?? A?A oa ?N; o?aoa?aoe
aeey iaianaiiy i?eiieii? ianoe ia eiioaeoi? ieiuaaeee AeI);

– iiaeoe?-caoaaoe aeey I? i?ecia/ai? aeey iniauaiiy “?oee” iai?ioeyoi?a
c iaoith ?icoe?aiiy ?oi?o oaoiieia?/ieo iiaeeeainoae. Caoaaoe iiaeooue
aooe ??ciiai eiino?oeoeaiiai aeeiiaiiy – aaeooii?, iaoai?/i?,
aeaeo?iiaai?oi?, eiia?iiaai?;

– iiaeoe? caaaioaaeoaaeueieo i?eno?i?a (CI) aeeiiothoue ooieoe??
iaeiie/aiiy, ia?aaeaaaiiy e i???ioaoe?? caaioiaaiie, aeaoaeae ? A?A. O
yeino? CI aeei?enoiaothoueny eanaoe, iaaaceie, aoiea?e ? eii?aeeiaoi?
noiee;

– iiaeoe? (aocee) e??ieaiiy iai?ioeyoi??a I? aei AOO iiaeooue aooe
??ciiai eiino?oeoeaiiai aeeiiaiiy ? iiaeii? caaacia/oaaoe ia?ai?uaiiy I?
? iai?ioeyoi?a ca o?ueiia eii?aeeiaoaie;

– iiaeoe? i?eno?i?a eiio?ieth ? aeieoaaiiy ?iaioe oaoi?/ieo nenoai ?OE.
Iayai?noue iiae?aieo i?eno?i?a i?aeaeuo? iaae?ei?noue ?OE ca ?aooiie
aeeeth/aiiy iiaeeeaeo aaa??eieo neooaoe?e, iia’ycaieo c iieiieaie ?
?aioiaeie a?aeiiaaie. A yeino? i?eno?i?a eiio?ieth ? aeieoaaiiy
aeei?enoiaothoueny ??ci? aeaaa/?;

– iiaeoe? nenoai ea?oaaiiy AOO, I? ? ?OE o oe?eiio;

– iiaeoe?, ui yaeythoue niaith I? ??ciiai oaoiieia?/iiai i?ecia/aiiy ?
eiino?oeoeaiiai aeeiiaiiy.

Aoaeue-yeee ?OE – oea noeoii?noue iienaieo aeua iiaeoe?a. I?eioeei
iiaeoeueiinoe aeicaiey? oeyoii aeioe?eueiiai eiia?ioaaiiy oi?o?eiaaieo
iiaeoe?a noai?thaaoe no?oeoo?o iaiao?aeiiai ?OE.

?OE neeaaeaiiy. I?ioean aaoiiaoe/iiai neeaaeaiiy aoce?a oeio ?AI-1
(?aae?iaeaeo?iiiee iiaeoeue ia?oiai ??aiy ?icoe?oiiaiiy) iio?aao?
aenieiai ??aiy oaoiieia?/iino? aeaoaeae, A?A, ?N oa ?ioeo neeaaeaeueieo
aeaiaio?a, ye? aa?ooue o/anoue o neeaaeaii? ae?iao. C iiceoe?e
neeaaeaiiy ? iiioaaeo ?ic??ciythoue ?aae?iaeaeo?iii? iiaeoe? ia ?N c?
ooe?aaeie aeaiaeaie ? iiaeoe? ia aeene?aoieo AAOA (ae?iae aeaeo?iiii?
oaoi?ee e aeaeo?ioaoi?ee).

Aecia/aeueiith iciaeith oaoiieia?/ii? eeaneo?eaoe?? ? oei aeaiaioii?
aace ?AI-1, oiio ui naia a?ae ia? caeaaeeoue oei ? oa?aeoa? OI, aeae
onoaoeoaaiiy, ia yeiio ?aae?co?oueny OI neeaaeaiiy ? iiioaaeo. Iaeiae ia
i?aeoeoe? iae/ano?oa cono??/athoueny ??ci? eiia?iaoe?? neeaaeo
aeaiaioii? aace, ui i?eaiaeeoue aei iaiao?aeiino? aeei?enoaiiy ??cieo
OI.

?aae?iaeaeo?iii? iiaeoe? (?AI), ye? aeaioiaeythoueny c aeei?enoaiiyi
?OE, iiaeii? caaeiaieueiyoe ianooiiei aeiiaai:

a) iiaeoeue iiaeiai aooe ooieoe?iiaeueii cae?i/aiei aeey oiai, uia eiai
iiaeia aoei aeaioiaeoe ia niaoe?ae?ciaaiiio ?OE, ae?eyioe? /e e?i??;

a) aeey caaacia/aiiy iiaeeeaino? canoinoaaiiy a?oiiaiai iayiiy oaeeath
i?eiith an? AAOA c? ooe?aaeie aeaiaeaie iiaeii? aooe ?ici?uai? ia AeI
o?eueee c iaeiiai aieo. Aeey AAOA c ieaia?ieie aeaiaeaie i?eionea?oueny
?ici?uaiiy c iaio aie?a;

a) iaaeiei AAOA, anoaiiaethaaieo aaoiiaoe/ii ia AeI, iiaeii? aooe
ia?aaeaa/ai? a?euei? ciie – ciie ?iaioe ?ino?oiaioa onoaiiaethaaeueieo
aieiaie;

a) e?euee?noue aa??aio?a oi?ioaaiiy aeaiae?a AAOA ? onoaiiaeaiiy
aeaiaio?a ia AeI iiaeiii aooe iaiaaeaiei: aeey AAOA c oeee?iae?e/ieie
ei?ionaie e inueiaeie aeaiaeaie iiaeiia canoiniaoaaoeny I-ia?acia
oi?ioaaiiy e onoaiiaeaiiy ia AeI aac caci?o, aeey AAOA c oeee?iae?e/ieie
ei?ionaie ? o?ueiia iaeiinoi?iiiuei ni?yiiaaieie aeaiaeaie –
onoaiiaeaiiy ia aeii ei?iona, aeey ?N o ei?ionao oeio 4 – onoaiiaeaiiy
aac caci?o /e c caci?ii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;

ae) eiino?oeoe?y ?AI-1 iiaeiia aeeeth/aoe canoinoaaiiy i?ieeaaeie i?ae
ei?ionii AAOA ? AeI, ae?ai?a ? ?cieyoe?eieo o?oaie ia ei?ionao ?
aeaiaeao aeaiaio?a;

a) o eiino?oeoe?? ?AI-1 iiaeiia canoiniaoaaoeny ia oaioe/ia, a
oii?yaeeiaaia, cie?aia ?yaeia, ?ici?uaiiy AAOA ia eiiooaoe?eiiio iie?,
i?e oeueiio oae? aeaiaioe, ye ?acenoi?e, ae?iaee, eiiaeainaoi?e iiaeii?
onoaiiaethaaoeny iica ciiith ?ici?uaiiy ?N;

ae) o eiino?oeoe?yo ?AI-1 aeaeo?i?aae?iaeaiaioe iio??aii ?ici?uaoe c
iaeiiai aieo AeI, ca aeiyoeii ?AI-1 ia ?N o ei?ionao oeio 4, ye?
iiaeooue aooe onoaiiaeai? ia ieao? c iaio aie?a;

c) i?e canoinoaaii? a eiino?oeoe?? ?AI-1 i?e?inoai a iaeiioeiieo
ei?ionao ??cieo ?ici???a, ?yaee iiaeii? eiiiiioaaoeny c ?N o ei?ionao
iaeiiai oeii?ici??o c ?aeeiei onoaiiaethaaeueiei ?ici??ii aeey an?o ?N
aeaiiai ?yaeo;

e) a?aenoai? a?ae aace a?aee?eo eii?aeeiao onoaiiaee AAOA aei i?e?inoai
ia AeI iaeiiai oeii?ici??o iiaeii? aooe iino?ei?.

Ieoaiiy 3

Noaooo eiia?oe?eiiai aaieo Oi?ioaaiiy noaoooiiai oa ?ioeo oiiae?a
eiia?oe?eiiai aaieo

A?aeiia?aeue

Noaooo eiia?oe?eiiai aaieo iiaeiai a?aeiia?aeaoe aeiiaai caeiiiaeaanoaa
Oe?a?ie i?i aeoe?iia?i? oiaa?enoaa oa ?io? aeaee ainiiaea?nueeeo
oiaa?enoa, iieiaeaiiyi oeueiai caeiio, ii?iaoeaiei aeoai Iaoe?iiaeueiiai
aaieo.

O noaooo? eiia?oe?eiiai aaieo aecia/athoueny:

– iiaia oa nei?i/aia iacaa aaieo, eiai i?noeaciaoiaeaeaiiy (iiooiaa
aae?ana);

– ia?ae?e iia?aoe?e, ui cae?eniththoueny aaieii;

– ?ici?? noaoooiiai oiiaeo oa ia?ae?e ?ioeo oiiae?a, ooai?thaaieo
aaieii;

– iieiaeaiiy i?i oa, ui aaie ? th?eaee/iith iniaith;

– iieiaeaiiy i?i i?aaie oi?aae?iiy aaieo, ?o no?oeoo?o, ii?yaeie
ooai?aiiy oa ooieoe??;

– ii?yaeie e?ea?aeaoe?? aaieo.

Aei noaoooo iiaea aooe aeeth/aii ?io? aeai?, ye? ia noia?a/aoue
caeiiiaeaanoao Oe?a?ie.

Noaoooiee oiiae eiia?oe?eiiai aaieo oi?io?oueny ca ?aooiie aeanieo
eioo?a aeoe?iia??a aai iaeiaeo aiane?a caniiaiee?a (o/aniee?a) aaieo o
a?ioia?e oi?i?. Oea iieiaeaiiy noino?oueny ? ?ai?oa ca?a?no?iaaieo
eiia?oe?eieo aaie?a.

Caai?iiy?oueny aeei?enoiaoaaoe aeey oi?ioaaiiy noaoooiiai oiiaeo
athaeaeaoi? eiooe, eiooe, iaea?aeai? a e?aaeeo oa i?ae canoaao, a oaeiae
ca?eueooaaoe noaoooiee oiiae aeey iie?eooy caeoe?a.

?ici?? noaoooiiai oiiaeo aecia/a?oueny caniiaieeaie (aeoe?iia?aie)
aaieo, aea ia iiaea aooe iaioei ca ?ici??, anoaiiaeaiee Iaoe?iiaeueiei
aaieii.

Eiia?oe?ei? aaiee ooai?ththoue oaeiae ?aca?aiee, no?aoiaee oa ?io?
oiiaee. Ii?yaeie ? ?ici??e oi?ioaaiiy ?aca?aiiai ? no?aoiaiai oiiae?a
aecia/a? Iaoe?iiaeueiee aaie. Caai?iiy?oueny aeei?enoiaoaaoe eiooe
?aca?aiiai oa no?aoiaiai oiiae?a, e??i ye ia iie?eooy caeoe?a
eiia?oe?eieo aaie?a. Ii?yaeie ? ?ici??e oi?ioaaiiy ?ioeo oiiae?a
aecia/athoueny caaaeueieie cai?aie aeoe?iia??a (o/aniee?a).

Ieoaiiy 4

Iniiai? aeiiae oa caaaeuei? i?aaeea ?ic?iaee oaoiieia?/ieo i?ioean?a.
Aecia/aiiy ia?o?ooo oaoiieia?/iiai i?ioeano.

A?aeiia?aeue

Oaoiieia?/iee i?ioean ? neeaaeiaith /anoeiith ae?iaie/iai i?ioeano.
Oaoiieia?/iee i?ioean – oea /anoeia ae?iaie/iai i?ioeano, ui i?noeoue
oe?eani?yiiaai? ae?? c? ci?iaiiy ? (aai) aecia/aiiy noaio i?aaeiaoa
i?aoe?.

Iniiaia caaea/a oaoiieiaa iieyaa? a iiaoaeia? aenieii?iaeoeoeaieo
oaoiieia?/ieo i?ioean?a.

O no?oeoo?iiio ieai? oaoiieia?/iee i?ioean neeaaea?oueny c noeoiiino?
oaoiieia?/ieo iia?aoe?e, iaiao?aeieo aeey aeaioiaeaiiy ae?iao
a?aeiia?aeii aei aeiia e?aneaiiy, OO.

No?oeoo?io noaio oaoiieia?/iiai i?ioeano iaaaaeaii ia ?en. 1.

Oaoiieia?/ia iia?aoe?y ? iniiaiith no?oeoo?iith iaeeieoeath i?ioeano e
iaeeieoeath ae?iaie/iai ieaioaaiiy ? iae?eo. Ia iniia? iia?aoe?e
ioe?ith?oueny o?oaeii?noe?noue aeaioiaeaiiy ae?ia?a, ? anoaiiaeththoueny
ii?ie /ano ? ?icoe?iee; aecia/a?oueny iaiao?aeia e?euee?noue ?ia?oiee?a,
onoaoeoaaiiy, i?enoinoaaiue ? ?ino?oiaio?a; nia?aa?o?noue aeaioiaeaiiy
(neeaaeaiiy); cae?enith?oueny eaeaiaea?ia ieaioaaiiy ae?iaieoeoaa,
eiio?ieue yeino? ? oa?i?i?a aeeiiaiiy ?ia?o.

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000000000000000000000000000000000000000000000000000000000000000000000000
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000000000000000040000002d010100040000002d010100030000000000

?enoiie 1 – No?oeoo?ia noaia oaoiieia?/iiai i?ioeano

Ae?iaie/a iia?aoe?y ? /anoeiith ae?iaie/iai i?ioeano c /?oei ae?aaeaieie
iaoith ? ?acoeueoaoii, ui aeeiio?oueny ca aeiiiiiaith a?aeiia?aeiiai
onoaoeoaaiiy iaaiei neeaaeii aeeiiaaoe?a aai aac o/ano? ethaeeie.

Ae?iaie/? iia?aoe?? iiae?eythoueny ia oaoiieia?/i? (iniiai?),
ianeoaiaoth/?, aeiiii?aei? ? i?aeaioia/?.

O caeaaeiino? a?ae niiniao aieeao ia i?aaeiaoe i?aoe?, ??aiy oaoi?/ii?
iniauaiino? ? nooiaiy o/ano? aeeiiaaoey ae?iaie/? iia?aoe??
iiae?eythoueny ia ?o/i?, iaoeiii-?o/i?, iaoeii?, aia?aoo?i?.

Eeaneo?eaoe?y oaoiieia?/ieo i?ioean?a. Eeaneo?eaoe?y oaoiieia?/ieo
i?ioean?a cae?enith?oueny ca ?yaeii iciae, cie?aia:

a) ca o?ce/iei aieeaii ia ia’?eo aeaioiaeaiiy ?ic??ciythoue OI:

1) no?oeoo?iooai?thth/?, ni?yiiaai? ia oi?ioaaiiy o?ce/ii? no?oeoo?e
aeaeo?iiieo eiiiiiaio?a, i?e?inoai caaaeueiiai ? i?eaaoiiai
canoinoaaiiy;

2) oi?iioai?i?, iaiao?aei? aeey iaea?aeaiiy ?c caaioiaaiie,
iai?aoaa?eeao?a, iaoa??ae?a ? ne?iaeie aioiaeo aeaoaeae iio??aii? oi?ie
? ?ici???a;

3) neeaaeaiiy ? iiioaaeo, iaoith yeeo ? noai?aiiy neeaaeaeueieo
iaeeieoeue ? ae?iao a oe?eiio;

a) ca i?aai?caoe??th ae?iaieoeoaa ?ic??ciythoue OI:

1) iaeeie/iee OI – i?ioean aeaioiaeaiiy aai ?aiiioo ae?iao iaeiiai
iaeiaioaaiiy, oeii?ici??o ? aeeiiaiiy, iacaeaaeii a?ae oeio
ae?iaieoeoaa;

2) oeiiaee OI – i?ioean aeaioiaeaiiy a?oie ae?ia?a ?c caaaeueieie
eiino?oeoeaieie ? oaoiieia?/ieie iciaeaie;

3) a?oiiaee OI – i?ioean aeaioiaeaiiy a?oie ae?ia?a c ??cieie
eiino?oeoeaieie, aea caaaeueieie oaoiieia?/ieie iciaeaie;

a) ca inai?iiyi i?ioeano ?ic??ciythoue OI:

1) ?iai/ee OI – i?ioean aeei?enoiao?oueny aeey aeaioiaeaiiy ia’?eo?a ?
aeeiio?oueny ii ?iai/?e oaoiieia?/i?e ? (aai) eiino?oeoi?nuee?e
aeieoiaioaoe??;

2) ia?niaeoeaiee OI – ?ic?iaey?oueny ye ?ioi?iaoe?eia iniiaa aeey
?iai/eo i?ioean?a i?e ia?aica?i?ii? ae?iaieoeoaa ? ?ic?aoiaaiee ia
canoinoaaiiy a?eueo aeineiiaeeo iaoiae?a, a?eueo i?iaeoeoeaieo ?
aeiiii?/ii aoaeoeaieo cania?a iniauaiiy, ye? a?aeiia?aeathoue no/aniei
aeinyaiaiiyi iaoee ? oaoi?ee.

Ca iine?aeiai?noth aeeiiaiiy ?ic??ciythoue oaoiieia?/i? i?ioeane
aeaioiaeaiiy caaioiaaiie, oa?i?/ii? ia?iaee, iaoai?/ii? ia?iaee
caaioiaaiie, aoceiaiai ? caaaeueiiai neeaaeaiiy.

O oaoiieia?/ieo i?ioeanao aeeiiaiiy caaioiaaiie a?aeaoaa?oueny
ia?aoai?aiiy iaoa??aeo o aeo?aei? caaioiaaiee aeaoaeae aeaeo?iiieo
cania?a caaeaieo ?ici???a ? eiio?ao?aoe?? oeyoii eeooy, ia?iaee oeneii,
iaoai?/iiai ??caiiy oa ?i. O i?ioean? oa?i?/ii? ia?iaee (a?aeioneaiiy,
caaa?oiaoaaiiy, a?aeaeea) a?aeaoaathoueny no?oeoo?i? ia?aoai?aiiy, ui
ci?iththoue aeanoeaino? iaoa??aeo caaioiaaiee.

O i?ioean? iaoai?/ii? ia?iaee caaioiaaiie a?aeaoaa?oueny iine?aeiaia
ci?iaiiy noaio aeo?aeii? caaioiaaiee (?? aaiiao?e/ieo oi?i, ?ici???a ?
yeino? iiaa?oiiue) aei io?eiaiiy aioiai? aeaoae?.

Oaoiieia?/iee i?ioean neeaaeaiiy iia’ycaiee c ooai?aiiyi ?ici?iieo ?
ia?ici?iieo c’?aeiaiue neeaaeiaeo /anoei ae?iao.

Oaoiieia?/iee i?ioean aeeiiothoue ia ?iai/eo i?noeyo. ?iai/ei i?noeai
iaceaa?oueny ae?eyiea ae?iaie/i? ieiu?, iaeaaeiaia a?aeiia?aeii aei
aeeiioaaii? ia ia? ?iaioe. Oaoiieia?/iee i?ioean ?ic/eaiiaothoue ia
iia?aoe??. Oaoiieia?/iith iia?aoe??th iaceaathoue cae?i/aio /anoeio
oaoiieia?/iiai i?ioeano, aeeiioaaio ia iaeiiio ?iai/iio i?noe?.
Iia?aoe?y ioiieth? an? ae?? onoaoeoaaiiy ? ?ia?oiee?a iaae iaeiei aai
aeae?eueeiia ia?iaethaaieie ia’?eoaie ae?iaieoeoaa. Ci?no iia?aoe??
ci?ith?oueny a oe?ieeo iaaeao – a?ae ?iaioe, aeeiioaaii? ia ie?aiiio
aa?noao? (neeaaeaeuei?e onoaiiaoe?) o cae/aeiiio ae?iaieoeoa?, aei
?iaioe, aeeiioaaii? ia aaoiiaoe/i?e e?i??, yea yaey? niaith eiiieaen
oaoiieia?/iiai onoaoeoaaiiy, iia’ycaiiai ?aeeiith o?ainii?oiith
nenoaiith ? ia? ?aeeio nenoaio ea?oaaiiy, a aaoiiaoeciaaiiio
ae?iaieoeoa?.

Onoaiiaeaiiy ci?noo ? iine?aeiaiino? aeeiiaiiy iia?aoe?e aoiaeeoue aei
caaaeaiiy ?ic?iaee oaoiieia?/iiai i?ioeano.

E??i oaoiieia?/ieo iia?aoe?e aeae?eythoue aeiiii?aei? iia?aoe??. Aei ieo
a?aeiinyoueny o?ainii?ooaaiiy, eiio?ieue, ia?e??oaaiiy e ?i.

Ieoaiiy 5

Iaiao?aei?noue, nooue oa ?ieue e?aaeeoo.

A?aeiia?aeue

sse a?aeiii, c iiyaith noni?eueiiai ?iciiae?eo i?aoe? aeiee ? ?icoe?eany
iai?i oiaa??a, ui i?ecaaei aei iiyae a?ioae. E?aaeeo c’yaeany aiane?aeie
?icaeoeo oiaa?ii-a?ioiaeo a?aeiinei.

Ia oeueiio aoai? ?icaeoeo noni?euenoaa c’yaey?oueny eeoaa?nueeee
e?aaeeo, yeee iaaeaaaany ae??aiei ae?iaieeai nii/aoeo a oiaa?i?e, a
iio?i o a?ioia?e oi?iao. Oa?aeoa?ieie ?enaie eeoaa?nueeiai e?aaeeoo aoee
iaae?iaie/ee oa?aeoa? eiai aeei?enoaiiy oa aenieee iice/eiaee a?aenioie.

E??i eeoaa?nueeiai, oiaa?iae?iaieee iaaeaaaee iaeei iaeiiio e?aaeeoe i?e
eoi?ae?-i?iaeaaeo oiaa??a. Oae? e?aaeeoe iaiao?aei?, ine?eueee
ae?iaieoeoai oa i?iaeaae ??cieo oiaa??a aeeiio?oueny o ??ciee /an.
Ioaea, yeui i?iaeaae oiaa??a ca aio?aeo ia i?a a?aeaooeny, oi a?i
cae?enithaaany o e?aaeeo c a?aeno?i/eith ieaoaaeo.

E?aaeeo ca oiia ?eieiai? aeiiii?ee iaaoaa? caaaeueiiai oa?aeoa?o. A
no/aniiio na?o? e?aaeeoi? a?aeiineie noaee iaa?ae’?iiith /anoeiith
aeeooy anueiai noni?euenoaa.

Oiaa?ii-a?ioiaee ia?a ooieoe?iio? a nenoai? iino?eii? ci?ie oi?i
aa?oino? ? aeiaaa? aacia?a?aiino?. Aea o iueiio aoaathoue ?ic?eae.

A?io? aeo?a/athoueny ia i?eaeaaiiy ?iai/i? neee (?N) oa cania?a
ae?iaieoeoaa (3A), aac yeeo iaiiaeeeai ?icii/aoe ae?iaieoeoai.

Oiaa? O1 ?aae?co?oueny, io?eiaaoe a?io? A1, oiaoi c i?eaooeii. ?ic?eae
(a?aenooi?noue a?ioae iiaia aai /anoeiaa) iathoue i?noea ia an?o
noaae?yo. O oeeo ?ic?eaao aa?a o/anoue e?aaeeo o aeaeyae? iice/ie ia
??ci? oe?e?.

Ioaea, o/anoue e?aaeeoo a nenoai? oiaa?ii-a?ioiaeo a?aeiineiao
coiiaeaia:

iio?aaith a aeiaeaoeiaeo eiooao aeey oi?ioaaiiy iniiaieo ae?iaie/eo
oiiae?a oa ia?aiaeo eioo?a;

oei/aniaith (aai naciiiith) iio?aaith a eiooao o ca’yceo c aaeeeith
o?eaae?noth ae?iaie/iai i?ioeano, eiee iaea?aeaiiy a?ioae i/?eo?oueny
i?ney iaeaooiueiai io?eiaiiy ae?o/ee a?ae ?aae?caoe?? aioiaiai oiaa?o;

iio?aaith a a?ioao i?ae ia??iaeaie aeaioiaeaiiy i?iaeoeoe??,
a?aeaaioaaeaiiy ?? oa iieaoe niiaeeaa/ai;

iio?aaith a iice/oe? aeey ?eoi?/iiai ooieoe?iioaaiiy ae?iaieoeoaa ?
nai?/anii? aeieaoe ca?ia?oii? ieaoe oa ?io.

Ianaeaiiy aa?a iiceee aeey eoi?ae? aai aoae?aieoeoaa aeeoea, i?eaeaaiiy
aaoiiia?e?a oa ?ioeo iaa?aeeeaaeieo iio?aa. Aea?aeaae oaeiae ? aaeeeeie
iice/aeueieeaie. Aeoiaey/e c oeueiai, iiaeia c?iaeoe aeniiaie, ui
eiie?aoieie i?e/eiaie iaiao?aeiino? e?aaeeoo ? eieeaaiiy iio?aae a
eiooao oa o aeaea?aeao ?o oi?ioaaiiy, ye o th?eaee/ieo, oae ? o o?ce/ieo
in?a.

A aeiiii?/i?e e?oa?aoo?? iaia? ?aeeii? aeoiee uiaei aecia/aiiy noo?
e?aaeeoo, ui iiynith?oueny neeaaei?noth aeiiii?/ieo a?aeiinei.

«E?aaeeo — oea aeiiii?/i? a?aeiineie i?ae th?eaee/ieie oa o?ce/ieie
iniaaie ? aea?aeaaaie c i?eaiaeo ia?a?iciiae?eo aa?oino? ia canaaeao
iiaa?iaiiy ?, ye i?aaeei, c aeieaoith i?ioeaioa» (Naaeoe I. A?io? oa
e?aaeeo. — E.: Eea?aeue, 1992, n.128).

«… e?aaeeoi? a?aeiineie aeieeathoue i?ae e?aaeeoi?ii ? iice/aeueieeii
c i?eaiaeo iia?e?caoe?? oei/aniai a?eueieo a?ioiaeo eioo?a oa ?o
aeei?enoaiiy ia oiiaao iiaa?iaiiy oa ieaoiino?» (Aaeue/einueeee A.
Oai??y a?ioae. — E.: Iniiae, 1996, n.184).

O Iieiaeaii? Iaoe?iiaeueiiai aaieo Oe?a?ie «I?i e?aaeeooaaiiy»
cacia/a?oueny: «E?aaeeo — oea iice/eiaee eai?oae aaieo o a?ioia?e oi?i?,
ui ia?aaea?oueny o oei/aniaa ei?enooaaiiy ia oiiaao caaacia/aiino?,
iiaa?iaiiy, no?ieiaino?, ieaoiino? oa oe?eueiaiai oa?aeoa?o
aeei?enoaiiy».

Nooue e?aaeeoo a iaei?ino?oiio aecia/aii? — aeia??a iaei??? iniae aei
?ioi?, ia i?aenoaa? yei? o iiceeo a a?ioao aai oiaa?ao iaaea?oueny iaaia
noia eai?oaeo; cacia/aia noia i?aeeyaa? iiaa?iaiith, a ca ei?enooaaiiy
oe??th iineoaith ai?aeiee niea/o? iaoiiaeaiee ia aeiaia??ieo canaaeao
a?aenioie.

E?aaeeo iaaea?oueny oei/aniai a a?ioia?e aai oiaa?i?e oi?i? th?eaee/i?e
/e o?ce/i?e inia? ia oiiaao iiaa?iaiiy ? aeieaoe i?ioeaio?a. Oie, ooi
iaaea? iiceeo, ? iiceeiaeaaoeai (e?aaeeoi?ii), a oie, ooi ?? iice/a? ia
iaaiee oa?i?i, — iice/aeueieeii.

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