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Main » 2012 » August » 30
Interim
liquidation balance sheet and final liquidation balance sheet approved
by the general meeting of members of the cooperative in coordination
with the federal executive body responsible for control and supervision
of financial markets.
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The amount of principal repayment is: 400 thousand 4 = 100 thousand per yearPayments for repayment of interest will be:400 * 0.18 = 72 thousand;
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Upon
termination of membership in the cooperative, except for members of the
cooperative as a share in the full amount, a member of the cooperative,
which passed in the cooperative use of the living room, and living with
them, persons shall have no right to use the living room and ordered
him to release within two months from the date of termination
of membership in the cooperative, and in the case of liquidation of the
cooperative -
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The termination of the credit cooperative Reorganization credit cooperative.Reorg
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Transfer credit cooperative member cash using a credit cooperative. Allowed to transfer credit cooperative member of its own funds in the use of credit cooperatives.
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Transfer
of premises for use by the cooperative member of the cooperative
immediately after purchasing cooperative ownership of the dwelling. Before
sending a dwelling for use cooperative member repairs can be made of
premises or performed work to improve consumer quality of the
facilities, if provided a selected member of the cooperative form of
participation in the activities of the cooperative.![]()
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Priority
purchasing cooperative dwelling, acquiring the rights to a dwelling
under construction, or the sequence of construction of living quarters
for a member of the cooperative is established after the introduction of
the member of the cooperative shares, and the expiration of the
selected member of the cooperative form of participation in cooperative
activities to make this period of the shares.
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On
housing savings cooperatives "introductory membership fees made by the
membership at a time. Membership fees made by the membership every
month, if the cooperative charter stipulates a different procedure for
making such contributions.
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The
need and usefulness of credit cooperatives is no doubt, however, given
that credit institutions and credit cooperatives operating in the same
niche, with the same category of customers - the public, we believe that
regulation of credit cooperatives should be done in a single bank system subject to compulsory licensing, and regulations as the banking and special cooperative laws.![]()
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Was
not included in the ban, and the draft federal law N 70443-3 "On credit
cooperation", developed by the Ministry of Agriculture in cooperation
with the Ministry, MAP, Ministry of Finance and the Ministry of Justice
and adopted April 24, 2002 the State Duma in the first reading.
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Today, the system Farm Credit provides more than a quarter of all loans used by American farmers and ranchers. It
is a major source of credit real estate purchase and operation of
farmers' cooperatives, as well as funding the development of systems of
economic and telephone service in rural areas. Farm
Credi
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On the last point in more detail. The
scientist emphasized the difference in the principles of the structure
of the classical type Cooperative Centre, directly responsible to the
shareholders, and state of the cooperative system, expressing the will
of citizens. He pointed out:
"Cooperation, managed by elected representatives of the workers.
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Peasant farming, cultivate crops on flat ¬ schadi 100 hectares, is planning to take a loan to buy fertilizer for tillage. According to agro-technical norms feeding can give an increase grain yields by 12 - 15ts/ga. The loan is planned to take a two-year two credit tranches of 200 thousand each. The application rate of 45 t / ha.
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Consumer
Credit Cooperative - a voluntary association of individuals and (or)
legal entities on the basis of membership in order to meet the financial
needs of the credit cooperative, carried out by integrating its members
property shares.
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The
Credit Committee reviews applications advises and makes recommendations
submitted to the board on matters of credit, guarantees and warranties
on their return in excess of the amounts authorized to issue, which is
given by executive management. Credit
Committee established by the Board of the cooperative "Agrocredit" in
accordance with the statute and is accountable to the general meeting
and the board of the cooperative.![]()
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As
is known, there has been a relative instability of monetary market, the
depreciation of the ruble and the resulting negative impact on the
money market. In connection with this cooperative "Agrocredit" can use variables or variable rates of compound interest. If
the change in the interest rate is fixed in the contract, the borrower
can calculate in advance how much money is to be returned at the end of
the loan
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Each agricultural producer for economic exchange needed cash, especially in the expansion of production. To
withdraw available funds to farms is advisable to organize a union that
a circular responsibility for ensuring that all equipment provided cash
loan. For targeted release of funds should be fully aware of all the information about the borrower and the state of its economy.
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In the interests of Credit Cooperatives Union of Rural Credit Cooperatives currently performs the following functions: -
Representation, protection of rights and interests of members of the
Union of Rural Credit Cooperatives in government, local governme
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Meetings
of the Audit Committee shall be convened by the chairman of Credit
Cooperative Audit Committee or in his absence, his deputy, but not less
than the credit provided by the charter of the cooperative.
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For
successful implementation of the program done a lot of organizational
work to develop the mechanism of its action: adopted the Memorandum of
Understanding, in amendments to the Articles of Association of the
Development Fund of rural credit cooperatives, to develop guidelines for
the work of the credit cooperatives formed Program Management Authority
- Supervisory Board, consisting of Representatives and U.S. sides.
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Working together with the credit cooperatives, the Development Fund of rural credit cooperatives established business contacts with ¬ curves of the regional administration Federation.
Currently, the administration of seven regions of the country have entered into a cooperation agreement with the Foundation for D
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The
actual value of the share, to be paid vybyvshemu cooperative member of
the cooperative, or other eligible persons share may be reduced by: • the amount of expenses of the cooperative, the sale of premises to the user vybyvshemu
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State and credit cooperatives. State
agencies and local governments have no right to interfere in the
activities of credit cooperatives, except as required by law Federation.
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State
registration is the result of reorganization of cooperatives and
entering into the Unified State Register of Legal Entities on the
termination of the restructured cooperatives are made only on the basis
of evidence notifying creditors in accordance with the Part 8 of this
Article.
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1. Expression of amendments can be shown in the relative size of such interest. Cost objects are often different capacity, size, number of their constituent units. In order to compare them and compare, to bring them into a single comparison. This unit can be the price of a physical unit of comparison: 1 m2 per 1 m3 per 1 sq.m., per apartment, plot, etc.
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In
the resource bank dominates a large proportion of private
contributions, though in recent years, an increasing proportion of
private and commercial deposits. Local
banks have to provide most of its resources Central Cooperative Bank,
in part to ensure the reliability of placement of its assets, in part to
ensure the liquidity of the system as a whole. The central bank is also working on the capita
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The paper examined the legal regulation of credit cooperatives. From
the above work, we can conclude that the formation of a coherent and
complete banking system is problematic without the possibility of a
credit institution in the form of a consumer cooperative.
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In the period of collectivization credit cooperatives was finally abolished. It was a grave mistake. Collective farms began to use the credit of the State Bank and Selkhozbank C, which were not able to fully replace credit cooperatives, which ensured small agricultural credit.
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Currently, agriculture is in crisis. Large-scale
farms due to increased imports of finished products, its sales at
dumping prices, the disparity in prices for industrial and agricultural
products and low solvency of the population in a difficult economic
situation. They
more than half destroyed livestock and p
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Important
role in the development of rural credit cooperatives in the play
structures operating at the federal level - the Development Fund for
Rural Credit Cooperatives Union and rural credit cooperatives, as well
as a number of international projects, implemented ¬ stvlyaemyh with
these organizations.
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A. Chayanov stops at important circumstances of the credit:•
the height of interest on loans is entirely determined by the
percentage by which the company may receive funds as a loan or deposit;• terms of outstanding loans should always be
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1. In
the first year, the borrower pays the cooperative in repayment of
principal and interest 140.7 thousand, in the second year of the payment
amount to 378.7 thousand 2. Determined by the annual income from the sale of the produce further.
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