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Enpè pètu tu d =?? Rcnj  R nj `ii Rnkds `i i cn n @iu n d Nhdrtgznegõj En Enpètucd @iu`n  

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RC J @I R  KDU@I C  @IY@ D

En ètucd

 HD\PG_

EGÕJ

gjvgirtn egij `õcnris nc his `is`i cds vigjtgujd n cds sisijtn y egjed nþds n uj gjtirçs edhpuistd `ic >2%, ¡si oulgcnrèn edj ujn egmrn jitn `i $ >,206,. GJP GJP\D \D@Y @YEE EEGÕ GÕJ J Cn enrijegn `i cgqug`iz ij cns ihprisns (pÿlcgens d prgvn`ns) fnei qui rieurrnj n cns muijtis `i mgjnjegnhgijtd pnrn npcgenrcds ij nhpcgnr sus gjstncnegdjis, edhprnr netgvds, gjgegnr juivds prdyietds, ioieutnr prdyietds `i `isnrrdccd iedjõhged-sdegnc, ghpcihijtnr cn gjmrnistrueturn tiejd-hntirgnc y  ourè`gen `i ujn rikgõj d pnès qui nsikurij cns gjvirsgdjis. gjvirsgdjis. Pd`d mgjnjegnhgijtd is ic risuctn`d `i ujn jieisg`n`. Is nsè qui ujn `i cns npcgenegdjis npcgenegdjis hîs ghpdrtnjtis ghpdrtnjtis `i cns njun njuncg`n`is cg`n`is ij cns dpirnegdjis dpirnegdjis `i jikdegds istî riprisijtn`n pdr ic pnkd `i `iu`ns qui `ivijknj gjtirisis. Eunj`d ujn `iu`n si cgqug`n ij ujn sirgi `i pnkds pirgõ`geds `i gkunc vncdr y sg si pnkn ic gjtirçs qui si n`iu`n nc hdhijtd qui si imietÿnj cds pnkds, tnhlgçj si istnrî cgqug`nj`d ujn pnrti `ic enpgtnc gjgegnc. N hi`g`n qui cn `iu`n si vn pnknj`d, si ri`uegrî ic gjtirçs sdlri ic snc`d gjsdcutd.

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 Onghi Hdjtijikrd \èds

.. K\YRDU K\YRDU @ @II R\ÇUP R\ÇUPNHDU NHDU Rdr su usd ixgstij fnstn `ds krupds `i prçstnhds? ujd, ic `ijdhgjn`d prçstnhd `i edjsuhd d prçstnhds pirsdjncis, pnrn edhprns `i cns iedjdhèns `dhçstgens (mnhgcgns i gj`gvg`uds pnrtgeucnris) `i lgijis `i edjsuhd `urn`irds, edhd nutdhõvgcis y icietrd`dhçstgeds, is `iegr  pnrn edjsuhd prgvn`d1 y, `ds ic `i gjvirsgõj d enpgtnc prd`uetgvd pnrn mîlrgens, hnqugjnrgn d hi`gds `i trnjspdrti pÿlcged nsè edhd pnrn ic nuhijtd `ic enpgtnc fuhnjd edhd hnjd `i dlrn encgmgen`n (jd edhd knstd sgjd edhd gjvirsgõj). Cns iedjdhèns jnegdjncis riqugirij enpgtnc prd`uetgvd, prd`uetgvd, n tnsns `i gjtirç gjtirçss `i gjvirsgõj qui pir pirhgtnj hgtnj nuhijtn nuhijtnrr y `isnrrdccnr ic npnrntd prd`uetgvd (HWRIU) `i cns jnegdjis. Cds enpgtncis `ilirènj istnr prisijtis `dj`i sdj jieisnrgds, istd edrrispdj`i n hiren`ds jdrhncis.

5. NHD\PG_NEGÕJ Cn nhdrtgznegõj is, `is`i ic pujtd `i vgstn mgjnjegird, ic prdeisd `i pnkd `i ujn `iu`n y sus gjtirisis hi`gnjti ujn sirgi `i eudtns (pirgõ`gens d jd), ij uj tgihpd `itirhgjn`d. Cn pncnlrn tnjtd, cn nhdrtgzn nhdrtgznegõj egõj is ic prdei prdeisd sd Ij ujn dpirnegõj `i prçstnhd d nhdrtgznegõj, ic mgj prgjegpnc is fneir mrijti n cn `ivdcuegõj `i uj enpgtnc pristn`d nc edhgijzd `i cn dpirnegõj. Uikÿj cns edj`gegdjis (n gjtirçs sghpci d edhpuistd) cn istrueturn `i pnkd vnrèn. Rui`i sir uj sõcd pnkd d ij eudtns. Yjds pnkds sdj hnydris d edjstnjtis ij cds prghirds d ÿctghds pirèd`ds. \igtirnhds, cds erç`gtds edjsg`irnj dpegdjnchijti pcnzds `i krnegn (enrijegn), ij cds euncis jd nhdrtgzn ic prçstnhd, prçstnhd, pu`gij`d sè edjsgkjnr `isihl `isihldcsd dcsd `i gjtirisis (pnkd `i gjtirisis kijirn`ds ij ic pirèd`d). Eunj`d cn edj`gegõj `ic prçstnhd is pnkd edj gjtirçs edhpuistd y jd edjsg`irn `isihldcsd `i gjtirisis kijirn`ds, çstds enpgtncgznj. 5.>.PNLCN @I NHD\PG_NEGÕJ Nc `gsiþnr `gsiþnr uj pcnj `i nhdrtgznegõj nhdrtgznegõj `i ujn `iu`n si nedstuhlr nedstuhlrnn n edjstrugr ujn tnlc tnlcnn `i nh nhdrtgznegõj, drtgznegõj, qui rikgstrn pirèd`d n pirèd`d cn mdrhn edhd vn ivdcuegdjnj`d ic pnkd `i cn `iu`n. Yjn tnlcn `i nhdrtgznegõj `ili edjtijir edhd hèjghd 9 edcuhjns. Ixgstij `gstgjtds tgpds `i sgstihns `i nhdrtgznegõj `i `iu`ns. Cd muj`nhijtnc, ij en`n ujd `i iccds is snlir qui?

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Enpètucd =? Rcnj `i Rnkds `i cn @iu`n d Nhdrtgznegõj

Cds gjtirisis si nldjnj nc mgjnc `i en`n pirèd`d y si enceucnj sdlri ic ghpdrti `ic snc`d n`iu`n`d nc edhgijzd `ic pirèd`d edrrispdj`gijti. Cns eudtns istîj edhpuistns pdr cds gjtirisis `ic pirèd`d y cn nhdrtgznegõj edrrispdj`gijti. Ic ghpdrti n`iu`n`d d snc`d `i cn `iu`n is ic vncdr netunc `i cns eudtns qui mnctnj pnknr y jd fnj vijeg`d. Ic ghpdrti n`iu`n`d d snc`d `i cn `iu`n is gkunc n cn suhn `i cns nhdrtgznegdjis edrrispdj`gijtis n cns eudtns qui mnctnj pnknr y jd fnj vijeg`d. Ensd?

Ui `itirhgjnrî ic pcnj `i pnkds `i en`n tgpd `irgvn`d `ic sgkugijti ensd? Ui sdcgegtn uj prçstnhd `i U/. >2 222 n uj pcnzd `i 0 hisis1 cn tnsn `i gjtirçs qui npcgen ic lnjed is `ic 9% hijsunc. @itirhgjnr ic pcnj `i pnkds.

0. RCNJ RCNJ @I @I RNKD RNKDUU @I EYD EYDPN PNUU @I @IE\ E\IE IEGI GIJP JPIU IU Lnod istn hd`ncg`n` `i pnkd, cds pnkds pdr sirvgegd `i cn `iu`n si enrnetirgznj pdrqui jd sdj ujgmdrhis, gkuncis d edjstnjtis, is `iegr sdj pnkds fitirdkçjids, `gmirijtis en`n viz. Yjn enrnetirèstgen enrnetirèstg en lîsgen `i ixtgjkugr ixtgjkugr uj prçstnhd hi`gnjti hi`gnjti isti sgstihn edjsgs edjsgsti ti ij qui cds pnkds fitirdkçjids pdr sirvgegd `i cn `iu`n sdj hnydris d hîs icivn`ds nc gjgegd `ic pcnzd `i pnkds, y vnj sueisgvnhijti `gshgjuyij`d, n trnvçs `ic tgihpd. Dtrn enrnetirèstgen is qui cns eudtns `i nhdrtgznegõj `ic prgjegpnc sdj gkuncis d edjstnjtis, cd qui qugiri `iegr qui si nhdrtgzn cn hgshn enjtg`n` `i enpgtnc pnrn en`n eudtn n pnknr1 ij enhlgd, cn eudtn `i gjtirisis `gshgjuyi en`n viz, `ilg`d n qui si nhdrtgzn ujn hnydr enjtg`n`. Pçejgenhijti dlsirvnhds qui ij isti pcnj `i pnkds cns eudtns `i enpgtnc d nhdrtgznegdjis sdj edjstnjtis d gkuncis. Nsè, çstns si enceucnj `gvg`ij`d ic prgjegpnc ijtri ic jÿhird `i pirèd`ds `i pnkd. Edj ic `ntd njtirgd njtirgdrr pd`ihds enceucnr enceucnr cd cdss snc`ds `i cn `i `iu`n, u`n, y, pdr tnjtd tnjtd,, cns eud eudtns tns `i gj gjtirçs. tirçs. Mgjnchijti suhnhds nhlns eudtns pnrn fnccnr ic hdjtd pdr pnknr ij en`n pirèd`d `i pnkd. Edhd enrnetirèstgen enrnetirèstgen `i isti sgstihn sgstihn si pui pui`i `i hijegdjnr hijegdjnr qui, `n`d qui cds snc` snc`ds ds `gshgju `gshgjuyij, yij, cns eudtns `i gjtirçs tnhlgçj `ilij `gshgjugr.

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 Onghi Hdjtijikrd \èds

Ioihpcd?

Cn nhdrtgznegõj `ic enpgtnc is edjstnjti

R 8 >2,222 g8 9% hijsunc j 8 0 hisis J

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Nhdrtgznegõj

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Cn eudtn hijsunc nuhijtn

Rrdpdregõj Nhdrtgznegõj Gjtirçs(2.29) Pdtnc n Rnknr  

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 Onghi Hdjtijikrd \èds

;. DL DLUI UI\] \]NE NEGD GDJI JIUU Eunj`d ic RNKD jd eulri, ic GJPI\ÇU `ic RI\GD@D, ic UNC@D `i cn @IY@N NYHIJPN. Ui edlrn gjtirçs sdlri gjtirçs (si ccnhnrî Gjtirçs EDHRYIUPD) Eunj`d ujn EYDPN sup supirn irn ic GJPI\ÇU `ic `ic RI\GD@D, ic UNC UNC@D @D `i cn @IY@N @GUHGJYWI. Eunj`d ic RNKD sdcd GKYNCN ic GJPI\ÇU `ic RI\GD@D, ic UNC@D `i cn @IY@N UI HNJPGIJI.

6. RCNJ RCNJ @I @I RNKD RNKDUU @I EYD EYDPN PNUU MMGO GONU NU @ @GM GMI\ I\G@ G@NU NU Ij uj prçstnhd prçstnhd edj pnkds `gmirg`ds `gmirg`ds cns eudtns ihpgizn ihpgiznjj n pnknrsi `ispu `ispuçs çs `i egirtd pirèd` pirèd`dd `gmirg`d, ij cds euncis jd si pnkn jg prgjegpnc jg gjtirçs. Ij isti pirèd`d `gmirg`d cds gjtirisis kijirn`ds y jd pnkn`ds sdj enpgtncgzn`ds fnstn ic mgjnc `i cds pirèd`ds `gmirg`ds. Ioihpcd.si edhprn uj Pv. Udjy ij U/. < 222 pnrn sir enjeicn`d ij uj nþd y ij eudtns mgons hijsuncis, edj uj pirèd`d `i krnegn `i = hisis y n ujn tnsn `i gjtirçs `ic 9% hijsunc. @itirhgjnr cn eudtn hijsunc n pnknr. Cd prghird qui tijihds qui fneir is enpgtncgznr cds gjtirisis `ic tgihpd huirtd d pirèd`d `i krnegn, utgcgznj`d cn prghirn mõrhucn ecnvi. MNEPD\ UGHRCI @I ENRGPNCG_NEGÕJ (MUE). @ntds? R8 5=

 

Enpètucd =? Rcnj `i Rnkds `i cn @iu`n d Nhdrtgznegõj

@ntds? R8 7 g8 9% j8 = hisis \8 ´4

\8 92 >> ><

2 2 2 2 2 2 7 ,6;,056.22 76>.69 925.;0 050.0< 09=.>0 0;6.79 9250.2> >>0.5> 75.=< ;>.72 07.27 0 066.26

2 2 2 2 2 2 9= > >,66;.6> 7=.0; .>7 , >, pd pdrr cd tnjtd, tnjtd, cn tn tnsn sn iqugv iqugvncij ncijti ti sirî sirî `i?

Eîceucd `ic gjtirçs pnrn ic 5ir his? U/ < >;7.9; x 9.0 >>0.7= .7=

Ijtdjeis? Uè cds `èns sdj hijds `i 52 d hîs `i 52, si enceucn ujn juivn tnsn iqugvncijti

>2. IOI\EGEGDU IOI\EGEGDU R\DRY R\DRYIUPDU IUPDU??

>. Ui sdcgegtn uj prçstnhd `i U/. 62,222. pnrn sir enjeicn`d ij eudtns sihistrncis eriegijtis `urnjti 5 nþds, n ujn tnsn `ic 5% trgh trghistrnc. istrnc. Rripnrnr ic pcnj `i pnkds `i eudtns eriegijtis. 57

 

 Onghi Hdjtijikrd \èds

0. Ui riegli uj prçstnhd prçstnhd `i U/. 92,222 pn pnrn rn sir enjeicn`d enjeicn`d ij 0 Prghistris n uujn jn tnsn `i gjtir gjtirçs çs `ic =% Uihistrnc. Rripnri ic Rcnj `i Rnkds `i Eudtns Eriegijtis. 9. Ui edhprn ujn ensn nc erç`gtd pdr U/. =2,222 edj ujn gjgegnc `ic .9% qugjeijnc. Imietÿi ic Rcnj `i Rnkd ij Eudtns Mgons, @ieriegijtis y Eriegijtis.

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