Operaciones Bancarias Pasivas

 

‟CÓ I HAO FKMAGXAGCVKI FKMAGXAGCVKI HAO ^AVÜ< 6>> CÓ I] HA KGHA^AGHAGMKC KGHA^AGHAGMKC‐   

JCMQOXCH HA MKAGMKC] MIGXCFOA], JKGCGMKAVC] [ CH@KGK]XVCXKZC] A]MQAOC ^VIJA]KIGCO HA CH@KGK]XVCMKÝG C]KDGCXQVC<

XA@C< I^AVCMKIGA] FCGMCVKC] ^C]KZC] KGXADVCGXA]<   Cpczc Sukspa, @krkcg [asagkc

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  Mavcoois Lk`agaz, Ao`ar Hufaroy

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  Hkigkmki Fcrrkiguavi, Xcgkc Lkbggc

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  Buksc ^u`c, Hcycgc @ksbaoyg

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  Cpczc Cpczc, Lck`a

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HIMAGXA XQXIV< @s. Vckgar Zïmtir \cvcoatc Oc`aoc

MKMOI<

ZKK   ZKK

]AMMKIG< ‟F‐ 

6>63

 

KGXVIHQMMKÝG  Ocs iparcmkigas fcgmcrkcs pcskvcs, u iparcmkigas ha pcskvi, sig ocs cmtkvkhchas pir `ahki ha ocs mucoas ao fcgmi ramkfa mrëhkti, iftkaga mcpktcoas ha hkvarscs hkvarsc s primahagm primahagmkcs kcs  pcrc pihar ouadi hkspigar ha aoois. Hasha ao ppugti ugti ha vkstc hao fcocgma migtcfoa m igtcfoa sa trchumag ag cskagtis hao ‟hafa‐ i ag pcrtkhcs ha ‟pcskvi‐, puasti qua sig hauhcs ha

oc kgstktumkýg ha mrëhkti.

Ocs iparcmkigas fcgmcrkcs pcskvcs migsiokhchcs hajkgag ao cbirri gcmkigco qua ao sksta`c fcgmcrki bc mcptchi ag ao `armchi `ar mchi `igatcrki. Astcs iparcmkigas migstktuyag oc fcsa ha oc amigi`àc ha tihcs ocs kgstktumkigas ha mrëhkti `ihargcs, qua gi pihràcg migmafkrsa skg oc hkspigkfkokhch ha ug c`poki mcpktco clagi ha `cgali. ^ir tcgti, raprasagtcg oc mirrkagta ha mcpktcoas qua jouya bcmkc ocs kgstktumkigas ha mrëhkti y qua ëstcs sa agmcrdcrãg ha mcgcokzcr bcmkc ois ha`cghcgtas ha cbirri. Ag racokhch, ocs iparcmkigas pcskvcs sig "mrëhktis pcskvis", as hamkr, migstktuyag ugc `uastrc ha migjkcgzc hao püfokmi bcmkc oc kgstktumkýg ramaptirc ha ois jighis.

 

I^AVCMKIGA] FCGMCVKC] ^C]KZC] ]ig cquaoocs ag ocs qua ocs agtkhchas jkgcgmkarcs,  fãskmc`agta, sa hahkmcg c oc mcptcmkýg ha ramursis jkgcgmkaris, y c mc`fki, sa mi`pri`atag c pcdcr, dagarco`agta ag jir`c ha kgtarës, ugc ragtcfkokhch c ois mokagtas, fkag sacg hapisktcgtas ha hkgari i fkag ha cmtkvis jkgcgmkaris. ^ir ala`poi< Qg mokagta cfra ug hapýskti  fcgmcrki a kgdrasc 3>.>>> hýocras mig m ig ao jkg ha cbirrcr.

C]^AMXI] C MIG]KHAVCV   XAC  ”   XC]C AJAMXKZC CGQCO kgtarës qua pcdc co mokagta pir ois

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hapýsktis. Mokagta   XVAC  ”  XC]C   XC]C HA VAGHK@KAGXI AJAMXKZI CGQCO Mucgti raghkrã

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raco`agta ao hapýskti (kgmouya, mi`kskigas y dcstis cpokmcfoas).   ]@A ”  ]COHI  ]COHI @ÀGK@I HA ASQKOKFVKI @igti qua sa raqukara `cgtagar `c gtagar

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ag oc muagtc pcrc qua gi sa pkarhc gk sa dcga.   MI@K]KÝG< Ao mokagta pcdc co fcgmi pir sarvkmkis sarvkm kis chkmkigcoas c oc iparcmkýg

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migtrctchc (Ala`poi< mi`kskýg pir agvài ha astchis ha muagtc)   DC]XI< Mistis ag ois qua kgmurra ao Fcgmi mig tarmaris pir muagtc hao

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mokagta (Ala`poi< tcscmkigas)  tcscmkigas) 

XK^I] HA I^AVCMKIGA] ^C]KZC] Ocs iparcmkigas pcskvcs tkagag mi`i jkgcokhch asagmkco primurcr ramursis pcrc qua ois fcgmis a kgstktumkigas jkgcgmkarcs puahcg racokzcr sus kgvarskigas y, pir tcgti, mu`pokr su jugmkýg amigý`kmc. C trcvës ha aoocs sa mcptcg tcgti ramursis pripkis (mcpktco y rasarvcs), mi`i ramursis clagis, skaghi astis üotk`is ois `ãs k`pirtcgtas.

 

Ocs prkgmkpcoas iparcmkigas pcskvcs sig< ✝   Hapýsktis

ha cbirris,32>,=:> hàcs i `ãs) y tcsc ha kgtarës pcmtchc. ]ig muagtcs qua pcdcg ug `cyir kgtarës c ois cbirrkstcs c mc`fki ha qua ao hkga hkgari ri qua sa hapisktc par`cgazmc pir ug paràihi hatar`kgchi skg sar ratkrchi.  ✝   Hapiskti

MX]<

Mi`pagscmkýg pir Xka`pi ha ]arvkmkis Hapýsktis

sa`astrcoas ag `igahc gcmkigco i axtrcglarc ajamtuchi pir ois a`poachiras c jcvir ha ois trcfclchiras ha `cgarc ifokdctirkc ha cmuarhi c oay pir migmapti ha su mi`pagscmkýg pir tka`pi ha sarvkmkis. Gir`co`agta tkagag ug coti raghk`kagti pir tagar tcscs ha kgtarës prajaragmkcoas.   ✝   Jighis @utuis< as ugc kgstktumkýg muyi iflatkvi as pritadar c ois hapisktcgtas ag mcsi oc kgstktumkýg jkgcgmkarc higha `cgtkaga sus hapýsktis qukafra. 

K@^IVXCGMKC HA OC] I^AVCMKIGA] ^C]KZC] Ocs iparcmkigas pcskvcs sig ha drcg k`pirtcgmkc pcrc tihi fcgmi, yc qua supiga ocs cmtkvkhchas qua racokzc ugc kgstktumkýg fcgmcrkc pcrc cooadcrsa hkgari, asagmkco`agta hao püfokmi ag dagarco. ^crc qua ug fcgmi puahc hascrrioocrsa, as gamascrki qua chqukarc hapýskti, puas skg astis as k`piskfoa mracr ugc rasarvc sujkmkagta qua oa

 

cyuha c mioimcr astis jighis ag prëstc`is a kgvarskigas qua oa dagarag hkvkhaghis, y qua oa par`ktcg bcmar jragta c ocs ha`cghcs ha ratkri ha hkgari ag ajamtkvi, siokmktchi pir sus Mokagtas.

]^VACH FCGMCVKI ✝ 

Ao sprach fcgmcrki as oc hkjaragmkc agtra ois tkpis ha kgtarës ha ois cmtkvis y ois pcskvis. ^ir ala`poi, ao sprach c ois fcgmis, as oc hkjaragmkc agtra oc tcsc ha mioimcmkýg y mcptcmkýg, y ao sprach sifarcgi i rkasdi pcàs.

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Ag tairàc, ao sprach fcgmcrki, oc hkjara hkjaragmkc gmkc agtra oc tcsc cmtkvc y oc pcskvc, hafa mufrkr ois dcstis ha iparcr ao gadimki, ois raquark`kagtis ha privkskigas, ois mistis raduoctirkis, ao pcdi ha k`puastis y oc ragtcfkokhch ha oc kgstktumkýg.

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^crtc`is ha oc fcsa qua ao sprach skdgkjkmc `crdag, y ag asta mcsi, ao sprach  fcgmcrki saràc ao `crdag qua axkstag agtra ois   tkpis ha kgtarës cmtkvis y

pcskvis. ^crc gi hcr ha`cskchcs vuaotcs, rasu`kra`is ois migmaptis ha tcsc ha tcsc cmtkvc y tcsc pcskvc.  pcskvc.  Oc tcsc pcskvc as oc qua pcdcg ois kgtar`ahkcrkis jkgcgmkaris c ois ijaragtas ha ramursis pir ao hkgari mcptchi (sa utkokzc ag ois hapýsktis y poczis y  poczis jklis),  `kagtrcs qua oc tcsc cmtkvc as oc qua ramkfag ois kgtar`ahkcrkis jkgcgmkaris jkgcgmkari s ha ois ha`cghcgtas pir ois prëstc`is itirdchis.

¹SQË A] QG ]K]XA@C JKGCGMKAVI9 Qg sksta`c jkgcgmkari as ug miglugti ha kgstktumkigas y `armchis, muyc jugmkýg fãskmc as oc trcgsjaragmkc ha jighis ha ois cbirrkstcs bcmkc ois kgvarskigkstcs c trcvës ha his cotargctkvcs. Ag  prk`ar

oudcr,

ois

fcgmis

mi`armkcoas

trchkmkigcoas uscg ois hapýsktis ha ugis pcrc jkgcgmkcr ois prëstc`is ha itris y astãg sulatis c ug miglugti ha raduocmkigas. Ag

 

sadughi oudcr, ois `armchis jkgcgmkaris, mi`i ois `armchis ha figis, cmmkigas,  pcpaoas mi`armkcoas y harkvchis jkgcgmkaris. j kgcgmkaris.

¹Suë mocsas ha sksta`cs jkgcgmkaris axkstag9 Axkstag his mocsas< ao fcgmcrki y ao gi fcgmcrki, asti hapagha c oc `cdgktuh hao  prëstc`i y mig m ig raspamti c qukag sa prastc. p rastc. Ao sksta`c fcgmcrki fc gmcrki astc ag oc mcpcmkhch ha prastcr hkgari c drcghas a`prascs y co pripki astchi (tc`fkëg c ocs @ypas ), ag mc`fki, ao sksta`c gi fcgmcrki, sioi astc ag oc mcpcmkhch ha prastcr c ocs `kmri y  paquaócs a`prascs yc sac gcturco i luràhkmc.

]K]XA@C JKGCGMKAVI FCGMCVKI Asta sksta`c astã migstktukhi pir ao miglugti ha kgstktumkigas fcgmcrkcs hao pcàs. C migtkgucmkýg, axc`kgcra`is mchc ugc ha astcs kgstktumkigas. •

  Fcgmi Magtrco Ha Vasarvc Hao ^arü (FMV^)< Cutirkhch `igatcrkc

agmcrdchc ha a`ktkr oc `igahc gcmkigco, ch`kgkstrcr ocs rasarvcs

kgtargcmkigcoas hao pcàs y raduocr ocs iparcmkigas hao sksta`c jkgcgmkari gcmkigco. •

  Fcgmi Ha Oc Gcmkýg