Ващенко Ю.В. Банківське право
Подождите немного. Документ загружается.
121
H+"&#A+!, ?"C%D", < E! &"'!&* * ,, " EF'-
I$A# C"!?A' H+!' +, E!$@!' !!@! '"#C D
!$' E!&!@! E+%$ &D<%= !+*'%$"&. +"&#A-
+ ?"C%D" % '!J% E%%&$# $%$"' !#!H'.
K!!+ ?"C%D*& H+"& +!+%$D!&F * K!?!J%"
E! E!!+ &<" H+' H+"&#A+= ?"C%D"F, E#A'!&= !-
D&!?"& $ ?"C%D"F &+! !+%'= !E%C"F, D$&%J%!-
'* E!#$!&!; K&?" C"!?A!@! H+* +, &" 17
?E 2001 . - 275. CA!'* K!?!J%" &D<%!, M! "?", H-
+"& D"F#;;$A H+"&#A+" $ "R" !E%C", D@"! D E!?!J%'
E! "?";, E"#$&" H+"&#A+= ?"C%D"F $ E#A'!&= !D&!-
?"&, !$'= H+', " ?R% D *'!& &!#$" $ * '%J=
E#A'!&!@! !D&!?*, !@! H+!'.
K#A'!&F !D&"? D"F#% !+%'= !E%C"F &I$A#
H+* D $+= *'!&:
1. &"#$A H+"&#A+!, ?"C%D",.
2. "&%A %@*?$&!@! +E"$?* H+* &"E!&"I &'!@'
C"!?A!@! H+*, M! E"$&%J*I$A# %D?%J' *$!-
!'.
3. + % I !H’I+$!' D#$!#*& D=!"& &E?&*:
x E!$@!' *#A!@! E%"!* "?A!#$" — ? H+"&, +" !$-
'? H+"&#A+* ?"C%D"; '%R% "J D R"#$A '"#C"& ! <#*
D&%% ! C"!?A!@! H+* D +?!E!$' E! &<* E-
#A'!&!@! !D&!?*;
x E!$@!' R%#$ '"#C"&, M! E%%*;$A D&%%; H+* !
C"!?A!@! H+* D +?!E!$' E! &<* E#A'!&!@! !-
D&!?* — ? H+"&, +" D"F#;;$A H+"&#A+* "?A"#$A E"-
#$&" H+"&#A+!, ?"C%D", H"?AR% "J D R"#$A '"#C"&.
4. + E!& E? (H"D%#-E?) M!! E%&= !E%C"F,
E&! D"F#% += H+ HJI !$'$ E#A'!&F !D&"?, "
C%F E? #=&?%! C"!?A' H+!'. K!C%* #=&?%
E?* (H"D%#-E?*) &&JI$A# &+!!; * D" &"#*$!#$" D-
*&J%A D H!+* C"!?A!@! H+* E EF$$" &"E!&"!@!
"R% E! &<* H+* E#A'!&!@! !D&!?* D"F#%
!E%C"F.
5. + 'I !#$$" "#!&" '!J?&!#$" ? D"F#% $-
+!, "?A!#$".
6. &"#$A E"!D"?"&, +" &+!*&$'*$A &"E!&"" !E%-
C", D@"! D E!' H+!' E?!' (H"D%#-E?!'), #?*JH
&*$"RA!@! *$*, $+!J E"!D"?* D E$A ?"D* $
*E&?" D+', M! 'I &"E!&"$ D &#$!&?% ?"'"$"&
M!!
!+%'= !E%C"F, ?"'"$"& D+"& +!$E$%"&, #$*+$*-
. .
122
H?#* &"E!&"! ! "R%A E&?" ( %+$!"&) D
E$A E!?"$+ M!! D+!&!#$" $ EH*$+!&!#$" "?A!#$"
H+*.
7. &"#$A +%"&+"& E"!D"?"& H+*, +$* +=
&"E!&";$A &'!@', &#$!&?%' * CA!'* K!?!J%". T '%-
$!; &D<% E!%#"F!, E$!#$" $ "?!&!, %E*$C", +%-
"&+"& "R= E"!D"?"& $ D#$*E+"& @!?!&!@! H*=@?$% &
D" E!$%H D ' $+!J '!J% H*$ E!&%% #E"&H%#".
8. &"#$A +!'"$%$"&, #'%: +%$!@!, $!@!, D E$A
*E&?" +$&' " E#&' $ &"E!&"= E!?!J%A E! =,
M! &"E!&";$A &'!@' <!@! D+!!&#$& +,.
9. &"#$A &"E!&"= &*$"R"= E!?!J%A H+*, M! %-
@*?;;$A E!?"$+* *E&?" +$&' " E#&', +%$*, "-
&%#$C"F*, !H?"+!&* E!?"$+* H+* $ E!&%% ' "?A!-
#$", +* &" HJI !$'$ & C"!?A!'* H+* E#A'!&F
!D&"?, M! &"E!&";$A &'!@' <!@! D+!!&#$& +,.
K!?!J%' $+!J &D<%! #E%C"?A" &'!@, +' 'I &"-
E!&"$ H+ ? !$' !D&!?* D"F#% E%&= H-
+"&#A+= !E%C"F, E%%?"+ !+*'%$"&, +" H+ E!I ? !$-
' ?"C%D", $ !D&!?*, !#!H?&!#$" ?"C%D*& H+"&#A+=
+!E!C"F, E!!+ !D@?* !+*'%$"& * C"!?A!'* H+*.
T!+%', * K!?!J%" D+"E?%" !$+!&" &'!@ M!! "?A!#-
$" #E%C"?"D!&= !D=*+!&= (+?"@!&= H+"&). T &!-
#$" H+"&#A+!, ?"C%D", $ D *'!& !$' E#A'!&!@! !D&!?*
C"!?A!@! H+* #E%C"?"D!&" !D=*+!&" (+?"@!&") H-
+ ';$A E&! D"F#;&$ $+" H+"&#A+" !E%C",:
x &"+$$ $ &%% =*+"& +?"I$"& (%D%$"& $ %%-
D%$"&) " H+"&-+!%#E!%$"& (%D%$"& $ %%D%$"&) *
C"!?A"F $ "!D%'"F &?;$= D '%$!; DH%DE%<% ,= !D-
=*+"& D *@!', *+?%' $%$"' !#!H' H"J!&!'*
$ E!DH"J!&!'* +=, $+!J "R= !D=*+"& D &DI'-
' D!H!&’D' $%$"= #$!";
x +*E"&?, E!J " DH%"@ E?$"J= !+*'%$"&, C"=
EE%"&, $+!J !E%C", D ', M! E!&’D" D &+!' !-
*<%A +?"I$"& $ H+"&-+!%#E!%$"&, E"$'' ?"+&"-
!#$" " &+!' D!H!&’DA *<#+"& H"J!&= $ E!DH"J!-
&= *@!;
x &< E!*<$%?A#$&, @$"F $ "R= D!H!&’DA D $%-
$"= !#"H, M! E%%H<;$A &+! & @!R!&"F !'" D *'!&,
M! $+= D!H!&’DA E!&’D! D E!C%*!; @$*-
& &+! *+?%= H"J!&!'* " E!DH"J!&!'* +*
*@! $ D !*<%' +?"I$"&;
123
x D?*<% +!R$"&, C"= EE%"& $ "R= +$&"& +?"I$"&
$ H+"&-+!%#E!%$"& ? &+! *+?%= H"J!&!'*
$ E!DH"J!&!'* += *@! H! D !*<%' +?"I$"&;
x &+? +!R$"& * #$$*$" ! "R= ;<= !#"H !H-
'%J*I$A# &+?' +!R$"& * #$$*$" ! H"J, E!DH"J!-
&=/$!@!&%?A= ##$%', %E!D$",& $ *#$!&, M! DF';$A#
+?"@!' " !D=*+' H"J!&!'* $ E!DH"J!&!'* +=;
x $ !$' +%$"& '"JH+"&#A+!'* +*
— * '%J= %@*?$&!@! +E"$?* H+*;
x +?"@!&" !E%C", — D *@!' &#"= #%@'%$= "-
#!&!@! +*.
E%C"?"D!&' !D=*+!&' (+?"@!&') H+' % !-
D&!?I$A#:
x D?*<$ +!R$ &" #%?% %E!D$;
x D?*<$ '"JH+"&#A+" +%$ ? E!&%% &?#= +-
$&= !E%C"F;
x H$ #%H% D+ $%$"= !#"H R?=!' &<" @$"F $
E!*<$%?A#$&, !+"' &E+"&, E!&’D= D E!&%%' &"E!-
&"= !D=*+"& D *@!', *+?%' C' !#!H' !-
@"DC"F! !!'?%= +=.
K!!+ ?"C%D*& %H+"&#A+= "#!&= *#$!& &-
D<%! * K!?!J%" E! E!!+ &<" ?"C%D", D"F#%
!+%'= H+"&#A+= !E%C"F %H+"&#A+' "#!&' *#$-
!&', D$&%J%!'* E!#$!&!; K&?" C"!?A!@! H-
+* +, &" 16 #%E 2001 . - 344.
"E!&"! ! CA!@! K!?!J% C"!?AF H+ &I %-
H+"&#A+' "#!&' *#$!&' ?"C%D", D"F#% $+=
H+"&#A+= !E%C"F:
x &"+$$ $ &%% E!$!<= =*+"& +?"I$"&, * $!'* <-
#?" E%%+D @!R!&= +!R$"&
D C= =*+"& D !E!'!@!; E?$"-
J= "#$*'%$"& $ D=*& +!R$"& = <%%D H+"&#A+"
*#$!&;
x !D'"M% D?*<%= +!R$"& &" #&!@! "'%", &?#=
*'!&= $ &?#F D+.
C"!?AF H+ &I %H+"&#A+"F "#!&"F *#$!&"
?"C%D"; D"F#% !+%'= H+"&#A+= !E%C"F * D" !-
$' %; $+= !H!&’D+!&= *'!&:
x &+?;<% %H+"&#A+!, "#!&!, *#$!& ! %J&!-
@! %I#$* "#!&= *#$!&;
x !$' %H+"&#A+!; "#!&!; *#$!&!; ?"C%D",
%J&!, +!'"#", D %@*?;& +"& "#!&= E!#?*@
E!&J% "?A!#$" D "#!&= E!#?*@;
. .
124
x &"#$A %@*?$&!@! +E"$?* & #*'", %+&"&?%$"F %
'%R% "J 1 '? I&!;
x #$!+ "?A!#$" %H+"&#A+!, "#!&!, *#$!& % '%-
R% "J ! "+ E"#? !$' ?"C%D", %J&!, +!'"#",
E!&J% "?A!#$" D "#!&= E!#?*@;
x &"#$A EH*$+* D ' "<!@! "#!&!@! D&"$* E!
"#!&" %D*?A$$, E"$&%J%!@! *$!!';
x &"#$A ##$%' H*=@?$%#A+!@! !H?"+* $ D&"$!#$", M!
&"E!&"I &'!@' D+!!&#$& +,, &#$!&?%!@! ?
%H+"&#A+= "#!&= *#$!&;
x &"#*$"#$A DH!@!&!#$" D D!H!&’D' E%% H;J%-
$' &#"= "&"&;
x H%D!@ "?!& %E*$C" $ &"E!&" +&?""+C" +%"-
&+"& %H+"&#A+!, "#!&!, *#$!& (E!& &M ;<
< %+!!'"< !#&"$ $ #$J !H!$ * "#!&!-H+"&#A+"F
#%" % '%R% $A!= !+"&);
x &"#$A +&?""+!&= +"& ? E!&%% &"E!&"=
H+"&#A+= !E%C"F, +" ';$A &"E!&"$ +&?""+C"F'
&'!@', &D<%' * !$+* ! K!?!J% E! E!!+ &-
<" H+' H+"&#A+= !E%C"F, E#A'!&= !D&!?"& $ ?"C%D"F
&+! !+%'= !E%C"F;
x &"#$A E'"M%A, M! &"E!&";$A &'!@' CA!@! K!?!J%;
x &"#$A $%="<= $ "R= *'!&, E!$"H= ? D"F#%-
!+%'= H+"&#A+= !E%C"F $ DH%DE%<% ,= ?%J!@! "
#&!I<#!@! !H?"+* &"E!&"! ! D+!!&#$& +, (* $!'*
<#?" &"E!&"% E!@'% DH%DE%<%, +!'E’;$% $%="+,
+!'*"+C"F" D#!H $!M!);
x !$' +$%",& " !'$&"&, *#$!&?%= ? %H-
+"&#A+= "#!&= *#$!& (* $!'* <#?" ?"+&"!#$", +E"$?*,
E?$!#E!'!J!#$", EH*$+!&!#$", +!#$" +$&"& $ D+!&!#$"
!E%C"F), E!$@!' !#$"= R%#$ '"#C"&, M! E%%*;$A D&%-
%; %H+"&#A+!, "#!&!, *#$!& ! C"!?A!@! H+*;
x &"#*$"#$A D#$!#*& %J&!; +!'"#"I; D=!"& &E?-
&* ! %H+"&#A+!, "#!&!, *#$!& D E!*R% %; <-
!@! D+!!&#$& +, E!$@!' !#$"= R%#$ '"#C"&, M!
E%%*;$A ,, D&%%; ! C"!?A!@! H+*.
L"?" %H+"&#A+!, "#!&!, *#$!& 'I E&! D"F#;&-
$ !+%'" H+"&#A+" !E%C", D@"! D E!?!J%' E! "?"; $ D
*'!& &<" ,F %H+"&#A+!; "#!&!; *#$!&!; — ;-
<!; !#!H!; !D&!?* D"F#% &D<%= * CA!'* !-
D&!?" !+%'= H+"&#A+= !E%C"F, E!@!J%!@! D $%$!"?A-
' *E&?"' C"!?A!@! H+*.
125
§ 6.
(" $
K&!&" D# E!&%% "#E%+C"F= E%%&"!+ +!-
'%C"F= H+"& & +," D+"E?%" * T+!" +, «K! H-
+ " H+"&#A+* "?A"#$A». "E!&"! ! #$$$" 71 CA!@! T+!-
* +!JF H+ I !H’I+$!' E%%&"+ '"#C" "#E%+$!'
C"!?A!@! H+* +, < *$!', ED<%' -
C"!?A' H+!' +,.
K%%&"+ D"F#;;$A# D '%$!; &D<% "& H%DE%+ " #$-
H"?A!#$" !E%C"F H+*, !#$!&"!#$" D&"$!#$" H+* " !$'
H+!' D+!!&#$& +, E! H+ " H+"&#A+* "?A"#$A,
$+!J !'$&!-E&!&= +$"& C"!?A!@! H+* +,.
K%%&"+ H+"& D"F#;I$A# &"E!&"! ! E?*, D$&%-
J%!@! C"!?A' H+!' +,. K?!& E%%&"+ D"F-
#;I$A# % <#$"R% !!@! D* "+. K! E!&%% E?!&!,
E%%&"+ C"!?AF H+ +, D!H!&’DF E!&"!'$
H+ % E"D"R%, "J D 10 "& ! F!@! E!<$+*.
+ D!H!&’D" DH%DE%<$ "#E%+$!' C"!?A!@! H-
+* +, $ "R' *E!&!&J%' ' !#!H' &"?AF !#-
$*E ! &#"= !+*'%$"& $ "!'C", D !$'' E&? C"I,
#$$$", E E%%&"C" '"#C" — '!J?&"#$A &"?A!@! !#$*E* &
!H!<F <# * &#" E'"M% H+*.
%"&C$&! H+* ED<I +!'E%$%$!@! E%#$&+
? %!H="= !+*'%$"& $ E!#%A " DH%DE%<*I
E'"M%' ? !H!$ EC"&+"& #?*JH H+"&#A+!@! -
@?* C"!?A!@! H+* +,.
C"!?AF H+ +, '!J% EF$ "R% E! E!-
&%% E!DE?!&!, E%%&"+ H+* E &!#$" !H@*$!&-
= E"#$&. +%
"R% 'I H*$ E"E#% !?!&!; C"!-
?A!@! H+* +, H! *E!&!&J%!; ' !#!H!;.
? D"F#% #&!,= E!&!&J%A M!! @?* C"!?A-
F H+ +, 'I E&! H%D!E?$! !%J*&$ &" H+"&
"!'C"; E! ,= "?A"#$A $ E!#% D !+%'= E$A "-
?A!#$" H+*.
% !E*#+I$A# '$%"?"& E%%&"+ $%$"' !#!H' *
D", +M! & '$%"?= E%%&"+ &"#*$" " E! +$ E!*-
R%A D+!!&#$&.
=!" E%%&"+ H+* C"!?AF H+ +, 'I E&!
E%%&"$ H*A-+* D&"$"#$A "?"F!&!, !#!H H+* M!! &D-
. .
126
I'!&"!# D H+!' D '%$!; &D<% &E?&* &"!# D "-
?"F!&!; !#!H!; #$ H+*. ? C"?%F E%%&"+ "?"F!&-
" !#!H ;$A C"!?A!'* H+* +, #E &"E!-
&"! ! E!?!J%A C"I, #$$$" * $!'* J E!+*, M! D#$!#!-
&*I$A# ! H+"&.
#$$$" 72 T+!* +, «K! H+ " H+"&#A+* "?A-
"#$A» &D<%! +!?! !#"H, += E!R;I$A# @?!& "-
?A"#$A C"!?A!@! H+* +,. T@"! D C"I; #$$$%; -
C"!?AF H+ +, 'I E&! D"F#;&$ E%%&"+* !#"H,
+" !=!E?;;$A# @?!&!; "?A"#$; C"!?A!@! H+*
+,, D '%$!; !$' D+!!&#$& M!! H+"&#A+!, "-
?A!#$". K D"F#%" E%%&"+ C"!?AF H+ +,
'I E&! &'@$ &" C= !#"H E! H*A-+!, "!'C",,
%!H="!, ? D"F#% E%%&"+. #E%+$!&" !#!H D!-
H!&’D" E!&$ C"!?A!'* H+* +, D$%H*&*
"!'C"; * &D<%F ' #$!+.
! !#"H, +" '!J*$A H*$ !H’I+$!' E%%&"+ C"!?A!@!
H+* +,, &"!#$A#:
1) &?#+ "#$!$!, *<#$" * H+*, +M! C"!?AF H+
+, &&JI, M! &" % &"E!&"I &'!@', &#$!&?%' C'
T+!!' M!! "#$!$!, *<#$", H! %@$&! &E?&I "#!-
&* H%DE%+* " #$H"?A"#$A H+*;
2) !#!H, M! EH? "#$!$* *<#$A * H+* H%D E#A'!&!@!
!D&!?* C"!?A!@! H+* +,.
H’I+$!' E%%&"+ C"!?A!@! H+* +, '!J% H*$
$+!J !#!H, M!! +!, I !#$!&" "!'C" E! D"F#%
C"I; !#!H!; H+"&#A+!, "?A!#$" H%D H+"&#A+!, ?"C%D",.
§ 7. * *
*" *
*
"E!&"! ! #$$$" 73 T+!* +, «K! H+ "
H+"&#A+* "?A"#$A» * D" E!*R% H+' H! "R'
!#!H', +" '!J*$A H*$ !H’I+$!' E%%&"+ C"!?A!@! H-
+* +, &"E!&"! ! CA!@! T+!*, H+"&#A+!@! D+!!&-
#$&, !'$&!-E&!&= +$"& C"!?A!@! H+* +,
H! D"F#% D+!&= !E%C"F, +" D@!J*;$A "$%%#'
&+?+"& < "R= +%$!"& H+*, C"!?AF H+ +,
127
%+&$! &<%!'* E!*R%; 'I E&! D#$!#*&$ D=!
&E?&*, ! += &"!#$A#:
1) E#A'!&% D#$%%J% M!! EE% E!*R% $
&J$$ %!H="= D=!"& ? &E&?% #$*C",, D'%R%
%&E&= &$$ H+*, !H'%J% %&E&! &#!+=
E!C%$= &E?$ D D?*<%' +!R$', D'%R% < &"-
<*J% %%%+$&= "&%#$C"F;
2) #+?+ D@?A= DH!"& *<#+"&, #E!#$%%J!,
H+*, E&?" ( %+$!"&) H+* ? EF$$ E!@-
' "#!&!@! !D!!&?% H+* H! E?* %!@"DC", H+*;
3) *+?% E#A'!&!, *@! D H+!', D +!; H+ < &-
D<% *@!!; !#!H D!H!&’D*I$A# &J$ D=!"& ! *#*%
E!*R%A, E!?"ER% "#!&!@! #$* H+* $!M!;
4) &$ !DE!J% M!!:
) D*E% &E?$ &"%"& < !DE!"?* +E"$?* & H*A-
+"F "R"F !'";
H) &#$!&?% ? H+* E"&M%= %+!!'"<= !'$&"&;
&) E"&M% %D%&"& E!+$$ '!J?&= DH$+"& D +%-
$' $ "R' +$&';
@) !H'%J%, D*E% < EE% D"F#% !+%'=
&"& D"F#;&= H+!' !E%C"F D &#!+' "&%' D+*;
) DH!! &$ H?+!&" +%$;
%) +?% R$"& :
x +%"&+"& H+"&
* !D'"" ! #$ %!E!$+!&*&= '""-
'*'"& !=!"& @!';
x H+ &"E!&"! ! E!?!J%A, D$&%J%= K&?"'
C"!?A!@! H+* +,, ?% * !D'"" % H"?AR% !!@! &"-
#!$+ &" #*' D%I#$!&!@! #$$*$!@! !*;
I) $'<#!&!,, ! *#*% E!*R%, DH!! &?#+* "#-
$!$!, *<#$" & H+* &+!#$!&*&$ E&! @!?!#* EH=
+C"F (E,&) * D" @*H!@! < ##$%'$<!@! E!*R% '
&'!@ CA!@! T+!* H! !'$&!-E&!&= +$"& C"!?A!-
@! H+* +,;
J) $'<#!&!@!, ! *#*% E!*R%, &"#$!!% E!#-
!&!, !#!H H+* &" E!# * D" @*H!@! < ##$%'$<!@!
E!*R% C"I; !#!H!; &'!@ CA!@! T+!* H! !'$&!-
E&!&= +$"& C"!?A!@! H+* +,;
D) %!@"DC", H+*;
) ED<% $'<#!&!, '""#$C",.
D" E!*R% T+!* < !'$&!-E&!&= +$"& C"-
!?A!@! H+* +,, M! #E<?! D<* &$$* +$&"&
H! !=!"&, " #$" !D+ %E?$!#E!'!J!#$" H+* C"!-
. .
128
?AF H+ +, 'I E&! &"+?+$ ?"C%D"; $ ""C";&-
$ E!C%** ?"+&"C", H+* D@"! D E!?!J%' CA!@! T+!*.
[+M! & "= +%"&+ H+* H! "D<!, !#!H < E%#$&-
+ ;<!, !#!H — &?#+ "#$!$!, *<#$", +"F E%’&-
?%! !H&*&<% * &<%" D?!<*, % &#$!&?%! #+?*
D?!<*, ?% 'I '"#C% E!*R% &'!@ T+!* H! !'$&!-
E&!&= +$"& C"!?A!@! H+* +, H! +M! $+* !#!-
H* &D! &!; * &<%" +!#?&!@! D?!<* "D ED-
<%' E!+ H%D E!DH&?% &!?", C"!?AF H+
+, 'I E&! &$ H+* !DE!J% E! D&"?A%
$+!, !#!H D E!# H! DH!!* +!#$*&$# E&!' @!?!#*
EH= +C"F (E,&).
#!H*, +* E"#$&" !DE!J% C"!?A!@! H+*
+, H*?! &"#$!!%! &" E!# H! +"F $'<#!&! DH!-
!%! +!#$*&$# E&!' @!?!#* EH= +C"F (E,&), '!-
J% H*$ E!!&?%! E!#" H! &"!&?%! * &+!#$" E-
& @!?!#* EH= +C"F (E,&) ?R% E"#$&" E!E%%A!@!
!D&!?* C"!?A!@! H+* +,.
"R% C"!?A!@! H+* +, M!! ED<%
$'<#!&!, '""#$C", I &+!&<' !+*'%$!'.
K!!+ D#$!#*& D=!"& &E?&* $ #+C"F D E!*R%
H+"&#A+!@! D+!!&#$& D+"E?%F * #$$$" 74 T+!* +,-
«K! H+ " H+"&#A+* "?A"#$A». T@"! D C"I; #$$$%;
R$ +%"&+"& $ #?*JH!&= !#"H H+*, "D<= !#"H —
&?#+"& "#$!$!, *<#$" +?;$A# & E!+*, E%%H<%!'*
!%+#!' +, E! '""#$$&" E&!E!*R%. K!!+
D#$!#*& D=!"& &E?&*, E%%H<%= C' T+!!', $+!J
!D'" "#!&= #+C"F, M! D#$!#!&*;$A# ! H+"& $ "R=
;<= !#"H, +" !=!E?;;$A# @?!&!; "?A"#$; C"!-
?A!@! H+* +,, &#$!&?;;$A# D+!' +, $ !-
'$&!-E&!&' +$' C"!?A!@! H+* +,.
+F E!!+ &#$!&?%F K!?!J%' E! D#$!#*&
C"!?A' H+!' +, D=!"& &E?&* D E!*R% H-
+"&#A+!@! D+!!&#$&, D$&%J%' E!#$!&!; K&?"
C"!?A!@! H+* +, &" 28 #%E 2001 . - 369.
T@"! D C' K!?!J%' D=! &E?&* D#$!#!&*;$A# -
C"!?A' H+!' E"#$&":
x %D*?A$$"& "#E%+C"F= (E?!&= $ E!DE?!&=) E%%-
&"!+ "?A!#$" H+"& < ,= "?"F;
x %D*?A$$"& ?"D* !$' H+' &'!@ H+"&#A+!@!
D+!!&#$& D &+!#$'
#$$#$<!, D&"$!#$", M!'"#<-
= " M!%= H?#"& $!M!;
129
x %D*?A$$"& E%%&"!+ "?A!#$" H+"& *$!#A+' !-
@"DC"', *E!&!&J%' &"E!&"! ! <!@! D+!!&-
#$& ,= D"F#%;
x E!E!DC"F L!* @$*& &+?"& "D<= !#"H * D"
E!*R% H+!' !' T+!* +, «K! L! @$*&-
&+?"& "D<= !#"H»;
x %D*?A$$"& E%%&"!+ !$' H+' &?;$!@! D+!-
!&#$&, D"F#%= *E!&!&J%' EC"&+' C"!-
?A!@! H+*, M! '"#$$A &&?%" E!*R% H+"&#A+!@! D+!-
!&#$&, !'$&!-E&!&= +$"& C"!?A!@! H+* H!
D"F#% D+!&= !E%C"F, +" D@!J*;$A "$%%#' &+?-
+"& < "R= +%$!"& H+*.
K D"F#%" @?* D *#$!&', M! &%*$A H+"&#A+*
"?A"#$A & "R= %J&=, C"!?AF H+ #E"&EC;I D &"-
E!&"' !@' C= %J&. K!&"!'?%, "#?% &"-
E!&"' !@' "R= %J&, '!J% &+!#$!&*&$# ?-
R% D $+!; '%$!;:
i ? E%%&" ?"C%D", *#$!& E&! &%% "?A!#$";
i ? E%%&" E& D"F#% H+"&#A+!, "?A!#$".
?" DD<$, M! D=! &E?&*, +" D#$!#!&*;$A# C"!?A-
' H+!' ! H+"&, ';$A H*$ %+&$' +!+%$' E!*-
R%', +" ' H*? !E*M%". H" %+&$= D=!"& &E?&*,
+" D#$!#!&*;$A# ! H+"& &"E!&"! ! H+"&#A+!@! D+!!&#$-
& $ &+D!@! &M% K!?!J%, 'I D"F#;&$# D *=*&':
x =+$%* !E*M%= H+!' E!*R%A;
x E<, +" D*'!&? &+% &&?%= E!*R%A;
x D@?A!@! "#!&!@! #$* H+* $ "& !#$$!#$" +E"$?*;
x !D'"* '!J?&= %@$&= #?"+"& ? +%$!"& "
&+?+"&.
§ 8. *
("
)* ("
="$' # — C% D?$$, EI, &"-
?%, E!"? H+*, E%%$&!% F!@! !@"DC"F!-E&!&!,
!', #?"+!' += I E%%<, EF$$ F!@! 'F, +!R-
$"&, E& $ !H!&’D+"& E&!#$*E+'.
. .
130
T?$$ !D<I EE% "?A!#$" &!= H! +"?A+!= H+"&
+ ;<= !#"H $ E%%<* ?%J= ,' 'F, +!R$"&, E&
$ !H!&’D+"& ! H+*-E&!#$*E+, +F #$&!;I$A# * %-
D*?A$$" D?$$.
KI !D<I EE% "?A!#$" !!@! H+* +
;<!, !#!H $ E%%<* ?%J= F!'* 'F, +!R$"&, E&
$ !H!&’D+"& ! "R!@! H+*.
K!"? !D<I EE% "?A!#$" !!@! H+* + ;-
<!, !#!H $ E%%<* ?%J= F!'* 'F, +!R$"&, E& $
!H!&’D+"& * &"E!&"= <#$= ! H+"&, +" #$&!;;$A#
&#?"!+ %!@"DC", CA!@! H+* R?=!' E!"?*.
"?% !D<I E%%$&!% H+* + ;<!, !#!H $
E%%<* E%&!, <#$ ?%J!@! F!'* 'F, +!R$"&, E& $
!H!&’D+"& ! H+*, +F #$&!;I$A# &#?"!+ %!@"DC",.
K%%$&!% E%%H<I D'"* !@"DC"F!-E&!&!, !'
$!&#$&.
%!H="! DD<$, M! %!@"DC" '!J% H*$ -
) $ #) (!H!&’D+!&!;). !H!&"?A %!@"DC"
E!&!$A# D ""C"$&!; #'!@! H+* (D "R%' D@?A=
DH!"& +C"!%"&). K'*#!& %!@"DC" D#$!#!&*I$A# !
E!H?%'= H+"& D ""C"$&!; H! %=!&!; !;
+, (M!! %J&= H+"&) * E!+*, &D<%!'* T+!-
!' +, «K! H+ " H+"&#A+* "?A"#$A» $ !'$&!-
E&!&' +$' .
*(
*
%!@"DC" D "R%' &?#+"& H+* D"F#;I$A# D@"-
! "D D+!!&#$&!' +, E! @!#E!#A+" $!&#$& D
*'!& E!E%%A!@! !D&!?* C"!?A!@! H+* +,.
? !%J !D&!?* %!@"DC"; H+* ! C"!?A-
!@! H+* +, E!I$A# D& D !' %!H="!@! !H-
@*$*& $ !D=*+"&, +" H D#&"<*&? #$ E!D$-
&= #?"+"& ? &+?+"& $ "R= +%$!"& H+*.
C"!?AF H+ +, % I !D&!?* %!@"DC";
H+* * D", +M! I !#$$" E"#$& &&J$, M! %!@"DC"
D@!J*I "$%%#' &+?+"& $ "R= +%$!"& " H+, #$&!-
%F * %D*?A$$" %!@"DC",, % H*% &"E!&"$ &'!@'
M!! %+!!'"<= !'$&"& F!@! "?A!#$", E!+* %I#$-
C", H+"& " ?"C%D*& ,= "?A!#$".