╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ NACH

╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ ╨Э╨Р╨Ъ╨Ш — ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░

╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ NACH тАФ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░. ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╤Г╤О ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╤Г╤О ╨┐╨░╨╗╨░╤В╤Г ╨╝╨╛╨╢╨╜╨╛ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В╤М ╨║╨░╨║ ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╤Г╤О, ╨╜╨░╨┤╨╡╨╢╨╜╤Г╤О ╨╕ ╨╝╨░╤Б╤И╤В╨░╨▒╨╕╤А╤Г╨╡╨╝╤Г╤О ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Г, ╨║╨╛╤В╨╛╤А╨░╤П ╨╛╨▒╨╗╨╡╨│╤З╨░╨╡╤В ╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╨╕ ╨║╤А╤Г╨┐╨╜╨╛╨╝╨░╤Б╤И╤В╨░╨▒╨╜╤Л╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕ ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╣, ╨▒╨░╨╜╨║╨╛╨▓, ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╣ ╨╕ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╤Е ╨╛╤А╨│╨░╨╜╨╛╨▓. ╨н╤В╨╛ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨┐╨╛╨╗╨╡╨╖╨╜╨╛ ╨┐╤А╨╕ ╨╛╤З╨╕╤Б╤В╨║╨╡ ╨│╤А╨╛╨╝╨╛╨╖╨┤╨║╨╕╤Е ╨╕ ╨┐╨╛╨▓╤В╨╛╤А╤П╤О╤Й╨╕╤Е╤Б╤П ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣.

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ ╨Э╨Р╨Ъ╨Ш — ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░
  • ╨Ю╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨Э╨Р╨з
    • #1 — ╨Я╨Ю╨б╨Ы╨Х ╨║╤А╨╡╨┤╨╕╤В╨░
    • #2 тАУ ╨Я╨Ю╨б╨Ы╨Х ╨┤╨╡╨▒╨╡╤В╨░
  • ╨ж╨╡╨╗╨╕
  • ╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В ╨Э╨Р╨з?
  • ╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨╝╨╡╨╢╨┤╤Г NACH ╨╕ ECS
  • ╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░
    • #1 тАУ ╨Ф╨╗╤П ╨▒╨░╨╜╨║╨╛╨▓
    • #2 тАУ ╨Ф╨╗╤П ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓
    • # 3 — ╨Ф╨╗╤П ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕
  • ╨Ч╨░╨║╨╗╤О╤З╨╡╨╜╨╕╨╡
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨Ю╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨Э╨Р╨з

╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░ ╨╕╨╝╨╡╨╡╤В ╨┤╨▓╨░ ╨║╤А╤Л╨╗╨░: ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╡ NACH ╨╕ ╨┤╨╡╨▒╨╡╤В╨╛╨▓╨╛╨╡ NACH. ╨Ю╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨║╤А╨╡╨┤╨╕╤В╨░ NACH ╨╕ ╨┤╨╡╨▒╨╡╤В╨░ NACH ╨╖╨░╨║╨╗╤О╤З╨░╤О╤В╤Б╤П ╨▓ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨╝:

#1 — ╨Я╨Ю╨б╨Ы╨Х ╨║╤А╨╡╨┤╨╕╤В╨░

• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╕╨╝╨╡╨╡╤В ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╤Г╤О ╨╛╨╜╨╗╨░╨╣╨╜-╤Б╨╕╤Б╤В╨╡╨╝╤Г ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╤Б╨┐╨╛╤А╨░╨╝╨╕.
• ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░ ╨Ш╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╛╨╜╨╜╨░╤П ╨┐╨░╨╗╨░╤В╨░ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨┐╨╛╤Б╤А╨╡╨┤╨╜╨╕╨║╨╛╨╝ ╨╝╨╡╨╢╨┤╤Г ╨┤╨▓╤Г╨╝╤П ╤Д╨╕╤А╨╝╨░╨╝╨╕ (╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╝╨╛╨│╤Г╤В ╨╖╨╜╨░╤В╤М ╨╕╨╗╨╕ ╨╜╨╡ ╨╖╨╜╨░╤В╤М ╨┤╤А╤Г╨│ ╨┤╤А╤Г╨│╨░), ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Г╤З╨░╤Б╤В╨▓╤Г╤О╤В ╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╣ ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╕ (╨│╨┤╨╡ ╨╛╨┤╨╜╨░ ╤Б╤В╨╛╤А╨╛╨╜╨░ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨┐╨╛╨║╤Г╨┐╨░╤В╨╡╨╗╨╡╨╝, ╨░ ╨┤╤А╤Г╨│╨░╤П ╤Б╤В╨╛╤А╨╛╨╜╨░ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨┐╤А╨╛╨┤╨░╨▓╤Ж╨╛╨╝ ╨▓ ╤Г╨║╨░╨╖╨░╨╜╨╜╨╛╨╣ ╤Б╨┤╨╡╨╗╨║╨╡), ╨┐╤А╨╕╨╜╨╕╨╝╨░╤П ╤Б╨╛╨▓╨╡╤А╤И╨╡╨╜╨╜╨╛ ╨┐╤А╨╛╤В╨╕╨▓╨╛╨┐╨╛╨╗╨╛╨╢╨╜╤Л╨╡ ╨┐╨╛╨╖╨╕╤Ж╨╕╨╕ ╨┤╨╗╤П ╨║╨░╨╢╨┤╨╛╨╣ ╤Д╨╕╤А╨╝╤Л ╨╕ ╨│╨░╤А╨░╨╜╤В╨╕╤А╤Г╨╡╤В ╨╛╤В╤Б╤Г╤В╤Б╤В╨▓╨╕╨╡ ╤А╨╕╤Б╨║╨░ ╨┤╨╡╤Д╨╛╨╗╤В╨░ ╨▓ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕. ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ ╨╝╨╛╨╢╨╡╤В ╨▓╤Л╨┐╨╛╨╗╨╜╤П╤В╤М ╨┤╨╡╤Б╤П╤В╤М ╨╝╨╕╨╗╨╗╨╕╨╛╨╜╨╛╨▓ ╨╡╨╢╨╡╨┤╨╜╨╡╨▓╨╜╤Л╤Е ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨░, ╨░ ╤В╨░╨║╨╢╨╡ ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨░ ╨┤╨╗╤П ╨╛╨╜╨╗╨░╨╣╨╜-╨┤╨╛╤Б╤В╤Г╨┐╨░. ╨б╨╕╤Б╤В╨╡╨╝╨░ ╨┤╨░╨╢╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П╨╝ ╤Б ╨╗╨╡╨│╨║╨╛╤Б╤В╤М╤О ╨╖╨░╨│╤А╤Г╨╢╨░╤В╤М ╨╕ ╨╖╨░╨│╤А╤Г╨╢╨░╤В╤М ╨┤╨╛╨║╤Г╨╝╨╡╨╜╤В╤Л, ╨┐╤А╨╕╤З╨╡╨╝ ╨▓ ╤А╨╡╨╢╨╕╨╝╨╡ ╤А╨╡╨░╨╗╤М╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╝ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝ ╨┐╤А╤П╨╝╨╛╨╣ ╨┤╨╛╤Б╤В╤Г╨┐.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╖╨░╨║╤А╤Л╤В╨░ ╨║╨░╨╢╨┤╨╛╨╡ ╨▓╨╛╤Б╨║╤А╨╡╤Б╨╡╨╜╤М╨╡ ╨╕ ╨▓ ╨┤╤А╤Г╨│╨╕╨╡ ╨┐╤А╨░╨╖╨┤╨╜╨╕╤З╨╜╤Л╨╡ ╨┤╨╜╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ RTGSRTGS╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ RTGS ╨▓╨░╨╗╨╛╨▓╨╛╨│╨╛ ╤А╨░╤Б╤З╨╡╤В╨░ ╨▓ ╤А╨╡╨╢╨╕╨╝╨╡ ╤А╨╡╨░╨╗╤М╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ — ╤Н╤В╨╛ ╤А╨░╤Б╤З╨╡╤В ╨▓ ╤А╨╡╨╢╨╕╨╝╨╡ ╤А╨╡╨░╨╗╤М╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ (╨╜╨╡╨┐╤А╨╡╤А╤Л╨▓╨╜╤Л╨╣) ╨┐╨╛ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╝ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░╨╝ (╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╨┐╨╗╨░╤В╨╡╨╢╨░╨╝), ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╤П╤В╤Б╤П ╨╜╨░ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛╨╣ ╨╛╤Б╨╜╨╛╨▓╨╡ ╨▒╨╡╨╖ ╨▓╨╖╨░╨╕╨╝╨╛╨╖╨░╤З╨╡╤В╨░, ╤В╨╛ ╨╡╤Б╤В╤М ╨┐╨╛ ╨╖╨░╨║╨░╨╖╤Г ╨┐╨╛ ╨╖╨░╨║╨░╨╖╤Г ╨╕ ╨╛╨▒╤Л╤З╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В╤Б╤П ╨┤╨╗╤П ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨░ ╨┤╨╡╨╜╨╡╨│/╤Ж╨╡╨╜╨╜╤Л╤Е ╨▒╤Г╨╝╨░╨│ ╨╕╨╖ ╨╛╨┤╨╜╨╛╨│╨╛ ╨║╨╛╨╜╨║╤А╨╡╤В╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨░ ╨▓ ╨┤╤А╤Г╨│╨╛╨╣ ╨▓ ╤А╨╡╨╢╨╕╨╝╨╡ ╤А╨╡╨░╨╗╤М╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╤Б╨╝. ╨╜╨╕╨╢╨╡.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╤Б╨╕╤Б╤В╨╡╨╝╤Л NACH ╨┐╨╛╨╝╨╛╨│╨░╤О╤В ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝ ╨╗╨╡╨│╨║╨╛ ╨╛╤В╤Б╨╗╨╡╨╢╨╕╨▓╨░╤В╤М ╤Б╨▓╨╛╨╕ ╨┐╨╗╨░╤В╨╡╨╢╨╕.

#2 тАУ ╨Я╨Ю╨б╨Ы╨Х ╨┤╨╡╨▒╨╡╤В╨░

• ╨Т ╨┤╨╡╨▒╨╡╤В╨╛╨▓╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╨╡ NACH ╨╡╤Б╤В╤М ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╨░╤П ╨╛╨╜╨╗╨░╨╣╨╜-╤Б╨╕╤Б╤В╨╡╨╝╨░ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╤Б╨┐╨╛╤А╨░╨╝╨╕.
• ╨Ф╨╡╨▒╨╡╤В╨╛╨▓╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╕╨╝╨╡╨╡╤В ╤Г╨╜╨╕╨║╨░╨╗╤М╨╜╤Л╨╣ ╨╕╨┤╨╡╨╜╤В╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨╜╨╛╨╝╨╡╤А ╨╝╨░╨╜╨┤╨░╤В╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П╨╝ ╨╗╨╡╨│╨║╨╛ ╨╛╤В╤Б╨╗╨╡╨╢╨╕╨▓╨░╤В╤М ╨▒╨╛╨╗╨╡╨╡ ╨╛╨┤╨╜╨╛╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░.
• ╨Ф╨╡╨▒╨╡╤В╨╛╨▓╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╤Л╨╡ ╨╕ ╨╜╨░╨┤╨╡╨╢╨╜╤Л╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕ ╨╝╨╡╨╢╨┤╤Г ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╡╨╣ ╨╕ ╨╡╨╡ ╤Б╤В╨╛╤А╨╛╨╜╨░╨╝╨╕.
• ╨Ф╨╡╨▒╨╡╤В╨╛╨▓╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╤М ╨╡╨┤╨╕╨╜╤Л╤Е ╨║╨╛╨╜╤Д╨╕╨┤╨╡╨╜╤Ж╨╕╨░╨╗╤М╨╜╤Л╤Е ╨┤╨░╨╜╨╜╤Л╤Е ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П.

╨ж╨╡╨╗╨╕

╨ж╨╡╨╗╨╕ ╨Э╨Р╨з ╨╖╨░╨║╨╗╤О╤З╨░╤О╤В╤Б╤П ╨▓ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨╝:

• ╨б╨╕╤Б╤В╨╡╨╝╨░ NACH ╤Б╨╛╨╖╨┤╨░╨╡╤В ╨╜╨░╨┤╨╡╨╢╨╜╤Г╤О MMS ╨╕╨╗╨╕ ╤Б╨╕╤Б╤В╨╡╨╝╤Г ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨╝╨░╨╜╨┤╨░╤В╨░╨╝╨╕ ╨╕ ╨╝╨╡╤Е╨░╨╜╨╕╨╖╨╝ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П.
• NACH ╤Б╤В╤А╨╡╨╝╨╕╤В╤Б╤П ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╨╝ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╝ ╨┐╨╛╨┤╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╤П╨╝, ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╝ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝ ╨╕ ╨┤╤А╤Г╨│╨╕╨╝ ╨║╤А╤Г╨┐╨╜╤Л╨╝ ╨║╨╗╨╕╨╡╨╜╤В╤Б╨║╨╕╨╝ ╤Д╨╛╨╜╨┤╨░╨╝ DCA ╨╕╨╗╨╕ ╨┐╤А╤П╨╝╨╛╨╣ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨╣ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╕ ╨Ш╨╜╨┤╨╕╨╕ NPCI NPCI ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ NPCI тАФ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨┐╨╗╨░╤В╨╡╨╢╨╜╨░╤П ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П ╨Ш╨╜╨┤╨╕╨╕, ╨║╨╛╤В╨╛╤А╨░╤П ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨║╨╛╨╗╨╗╨╡╨║╤В╨╕╨▓╨╜╨╛╨╣ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╡╨╣ ╨┤╨╗╤П ╨▓╤Б╨╡╤Е. ╤А╨╛╨╖╨╜╨╕╤З╨╜╤Л╨╡ ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Л╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓ ╨Ш╨╜╨┤╨╕╨╕. NPCI ╤Б╨╛╨╖╨┤╨░╨╜ ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б ╤А╨╡╨║╨╛╨╝╨╡╨╜╨┤╨░╤Ж╨╕╤П╨╝╨╕ ╨а╨╡╨╖╨╡╤А╨▓╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨░ ╨Ш╨╜╨┤╨╕╨╕ (RBI) ╨╕ ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨╕╨▓╨░╨╡╤В╤Б╤П ╨Ш╨╜╨┤╨╕╨╣╤Б╨║╨╛╨╣ ╨░╤Б╤Б╨╛╤Ж╨╕╨░╤Ж╨╕╨╡╨╣ ╨▒╨░╨╜╨║╨╛╨▓.
• ╨б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨░ тАЛтАЛтАЛтАЛ╨╜╨░ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╨╡ ╨╜╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤З╨╡╤Б╨║╨╛╨╣ ╤Б╤В╤А╤Г╨║╤В╤Г╤А╤Л, ╨╛╤Е╨▓╨░╤В╤Л╨▓╨░╤О╤Й╨╡╨╣ ╨▓╤Б╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨┐╨╛ ╨▓╤Б╨╡╨╣ ╤Б╤В╤А╨░╨╜╨╡ ╨┤╨╗╤П ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П, ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨╕, ╨┐╤А╨╛╨┤╨▓╨╕╨╢╨╡╨╜╨╕╤П ╨╕ ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨╕ ╨╖╨░╨┐╤А╨╛╤Б╨╛╨▓ ╨╜╨░ ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╨╡╨╢╨╕.
• ╨б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨░ тАЛтАЛ╨╜╨░ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╤В╨╡╤Е╨╜╨╕╤З╨╡╤Б╨║╨╛╨╣ ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л ╨┤╨╗╤П ╨▓╤Б╨╡╤Е ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╣ ╨┤╨╗╤П ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨╕╤Е ╨┤╨╡╨▒╨╡╤В╨╛╨▓╤Л╤Е ╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨║╤Ж╨╕╨╣ ╤З╨╡╤А╨╡╨╖ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╤Г╤О ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Г╤О ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤О ╨Ш╨╜╨┤╨╕╨╕, ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤П ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨║╨╛╨┤╨╛╨▓ ╨╝╨░╤А╤И╤А╤Г╤В╨╕╨╖╨░╤Ж╨╕╨╕, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ IFSCIFSC. ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ IFSC ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨║╨╛╨┤ ╨╕╨╜╨┤╨╕╨╣╤Б╨║╨╛╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╤Л. ╨Ю╨╜ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ 11-╨╖╨╜╨░╤З╨╜╨╛╨╝╤Г ╨║╨╛╨┤╤Г, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨▒╤Г╨║╨▓╨╡╨╜╨╜╨╛-╤Ж╨╕╤Д╤А╨╛╨▓╤Л╨╝ ╨╕ ╨╛╨▒╨╗╨╡╨│╤З╨░╨╡╤В ╨╝╨╡╤Е╨░╨╜╨╕╨╖╨╝ ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨░ ╤Б╤А╨╡╨┤╤Б╤В╨▓, ╨▓ ╨║╨╛╤В╨╛╤А╨╛╨╝ ╨║╨░╨╢╨┤╤Л╨╣ ╨║╨╛╨┤ ╨╕╨┤╨╡╨╜╤В╨╕╤Д╨╕╤Ж╨╕╤А╤Г╨╡╤В ╨▒╨░╨╜╨║╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▒╤Г╨┤╤Г╤В ╤Г╤З╨░╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨▓ ╤Б╨╕╤Б╤В╨╡╨╝╨░╤Е RTGS ╨╕ NEFT, ╨╛╨▒╤Л╤З╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╨╝╤Л╤Е ╨▓ ╨Ш╨╜╨┤╨╕╨╕. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡, MICR ╨╕ IIN.
• ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░ ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╤В╨░╨║╨╢╨╡ ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨░ тАЛтАЛ╨╜╨░ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╡ ╨╕ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╨╡ ╨│╨╗╤Г╨▒╨╛╨║╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╤Л ╤А╨░╤Б╤З╨╡╤В╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕, ╨╛╤В╨║╨░╨╖╨╛╨▓, ╤Б╨║╨╕╨┤╨╛╨║, ╨┤╨╡╨▒╨╡╤В╨╛╨▓, ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓, ╨▓╨╛╨╖╨╝╨╡╤Й╨╡╨╜╨╕╨╣, ╨╛╤В╨╝╨╡╨╜, ╨╕╨╜╨▓╨╡╤А╤Б╨╕╨╣, ╨╛╤В╨║╨░╨╖╨╛╨▓, ╤А╨░╨╖╤А╨╡╤И╨╡╨╜╨╕╤П ╤Б╨┐╨╛╤А╨╛╨▓ ╨╕ ╤В. ╨┤.
• ╨б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨░ тАЛтАЛтАЛтАЛ╨╜╨░ ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨░╨╜╨╕╨╡ ╨╜╨░╨┤╨╡╨╢╨╜╨╛╨│╨╛ ╤Б╨╛╨┐╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╤П ╨╜╨╛╨╝╨╡╤А╨╛╨▓ ╨║╨░╤А╤В Aadhaar ╤Б IIN ╨╕╨╗╨╕ ╨╕╨┤╨╡╨╜╤В╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╝ ╨╜╨╛╨╝╨╡╤А╨╛╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨▓ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╨╕ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╨╛╨│╨╛ ╨╝╨╡╤Е╨░╨╜╨╕╨╖╨╝╨░.
• ╨б╨╕╤Б╤В╨╡╨╝╨░ NACH ╨┤╨░╨╢╨╡ ╤Б╤В╤А╨╡╨╝╨╕╤В╤Б╤П ╤А╨░╨╖╤А╨░╨▒╨╛╤В╨░╤В╤М ╤Б╨╕╤Б╤В╨╡╨╝╤Г, ╨╛╤Е╨▓╨░╤В╤Л╨▓╨░╤О╤Й╤Г╤О ╨▓╤Б╤О ╨Ш╨╜╨┤╨╕╤О, ╨┤╨╗╤П ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨╕ ╨▓╤Б╨╡╤Е ╨▓╨╕╨┤╨╛╨▓ ╨╕╨╜╤Б╤В╤А╤Г╨║╤Ж╨╕╨╣ ╨┐╨╛ ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╨╡╨╢╨░╨╝.

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В ╨Э╨Р╨з?

╨Я╤А╨╛╤Ж╨╡╤Б╤Б ╤А╨░╨▒╨╛╤В╤Л NACH ╨╕╨╗╨╕ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╨▓╤Л╨│╨╗╤П╨┤╨╕╤В ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝:

• ╨и╨░╨│ 1 тАУ ╨Р╨│╨╡╨╜╤В╤Б╤В╨▓╨╛ ╨╕╨╗╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П, ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨░╤П ╨╖╨░ ╤Б╨▒╨╛╤А ╨┤╨╡╨╜╨╡╨│, ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В ╨╛╤В ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╤Д╨╛╤А╨╝╤Г ╨╝╨░╨╜╨┤╨░╤В╨░ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л. ╨Я╨╛╤Б╨╗╨╡ ╨┐╨╛╨┤╨░╤З╨╕ ╤Д╨╛╤А╨╝╤Л ╨╝╨░╨╜╨┤╨░╤В╨░ NACH ╨║╨╗╨╕╨╡╨╜╤В╤Л ╨┤╨░╤О╤В ╨░╨│╨╡╨╜╤В╤Б╤В╨▓╤Г ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┤╨╡╨╜╨╡╨│ ╨Р╨│╨╡╨╜╤В╤Б╤В╨▓╨╛ ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣╨Р╨│╨╡╨╜╤В╤Б╤В╨▓╨╛ ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤Д╨╕╤А╨╝╨╡, ╨╖╨░╨╜╨╕╨╝╨░╤О╤Й╨╡╨╣╤Б╤П ╨▓╨╖╤Л╤Б╨║╨░╨╜╨╕╨╡╨╝ ╨┐╤А╨╛╤Б╤А╨╛╤З╨╡╨╜╨╜╤Л╤Е ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓ ╨╕╨╗╨╕ ╨▓╨╖╨╜╨╛╤Б╨╛╨▓ ╤Б ╨╖╨░╨╡╨╝╤Й╨╕╨║╨╛╨▓ ╨╛╤В ╨╕╨╝╨╡╨╜╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╨╛╨▓ ╨╕╨╗╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╨╛╨▓. ╨Я╨╛╤Б╤В╨░╨▓╤Й╨╕╨║ ╤Б╤Б╤Г╨┤╤Л ╨╕╨╗╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╛╤А ╨┐╨╡╤А╨╡╨┤╨░╨╡╤В ╤Б╨▓╨╛╤О ╤Д╤Г╨╜╨║╤Ж╨╕╤О ╨┐╨╛ ╨▓╨╖╤Л╤Б╨║╨░╨╜╨╕╤О ╨┤╨╛╨╗╨│╨░ ╤В╨░╨║╨╛╨╣ ╤В╤А╨╡╤В╤М╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╨╡, ╤З╤В╨╛╨▒╤Л ╤Г╨╝╨╡╨╜╤М╤И╨╕╤В╤М ╨▒╨╡╨╖╨╜╨░╨┤╨╡╨╢╨╜╤Л╨╡ ╨┤╨╛╨╗╨│╨╕.
• ╨и╨░╨│ 2 тАУ ╨Ч╨░╤В╨╡╨╝ ╨░╨│╨╡╨╜╤В╤Б╤В╨▓╨╛ ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┤╨╡╨╜╨╡╨│ ╨╕╨╗╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П ╨┐╤А╨╛╨▓╨╡╤А╤П╨╡╤В ╨▓╤Б╨╡ ╨┤╨░╨╜╨╜╤Л╨╡, ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╜╤Л╨╡ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝╨╕ ╨▓ ╨╕╤Е ╨╝╨░╨╜╨┤╨░╤В╨╜╤Л╤Е ╤Д╨╛╤А╨╝╨░╤Е NACH.
• ╨и╨░╨│ 3 тАУ ╨Я╨╛╤Б╨╗╨╡ ╨┐╤А╨╛╨▓╨╡╤А╨║╨╕ ╨┤╨╡╤В╨░╨╗╨╡╨╣ ╨░╨│╨╡╨╜╤В╤Б╤В╨▓╨╛ ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┤╨╡╨╜╨╡╨│ ╨╜╨░╨┐╤А╨░╨▓╨╗╤П╨╡╤В ╨╝╨░╨╜╨┤╨░╤В ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╨▓ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╤Г╤О ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Г╤О ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤О ╨Ш╨╜╨┤╨╕╨╕ (NPCI).
• ╨и╨░╨│ тДЦ4 тАУ ╨Ч╨░╤В╨╡╨╝ ╨▒╨░╨╜╨║ ╨░╨│╨╡╨╜╤В╤Б╤В╨▓╨░ ╨┐╨╛ ╤Б╨▒╨╛╤А╤Г ╨┤╨╡╨╜╨╡╨│ ╤А╨░╨╖╨┤╨╡╨╗╤П╨╡╤В ╨┐╨╛╨╗╨╜╨╛╨╝╨╛╤З╨╕╤П ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╤Б ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨╣ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╡╨╣ ╨Ш╨╜╨┤╨╕╨╕.
• ╨и╨░╨│ тДЦ 5 тАУ ╨Я╨╛╤Б╨╗╨╡ ╨┐╤А╨╛╨▓╨╡╤А╨║╨╕ ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨┐╨╗╨░╤В╨╡╨╢╨╜╨░╤П ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П ╨Ш╨╜╨┤╨╕╨╕ ╨╜╨░╨┐╤А╨░╨▓╨╗╤П╨╡╤В ╨╝╨░╨╜╨┤╨░╤В ╨▓ ╨▒╨░╨╜╨║ ╨║╨╗╨╕╨╡╨╜╤В╨░ ╨╜╨░ ╤Г╤В╨▓╨╡╤А╨╢╨┤╨╡╨╜╨╕╨╡.
• ╨и╨░╨│ тДЦ 6 тАУ ╨Э╨░╨┐╤А╨░╨▓╨╗╤П╨╡╤В ╤В╨╛╨╗╤М╨║╨╛ ╨┐╨╛╨╗╨╜╨╛╤Б╤В╤М╤О ╨┐╨╛╨┤╤В╨▓╨╡╤А╨╢╨┤╨╡╨╜╨╜╤Л╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕ ╨▓ ╨▒╨░╨╜╨║ ╨║╨╗╨╕╨╡╨╜╤В╨░ ╨┤╨╗╤П ╨┤╨╡╨▒╨╡╤В╨╛╨▓╨░╨╜╨╕╤П.
• ╨и╨░╨│ тДЦ 7 тАУ ╨Ъ╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П ╨▒╤Г╨┤╨╡╤В ╤Г╨┐╨╛╨╗╨╜╨╛╨╝╨╛╤З╨╡╨╜╨░ ╤Б╨╛╨▒╨╕╤А╨░╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╤Б ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ ╤Б╨▓╨╛╨╡╨│╨╛ ╨║╨╗╨╕╨╡╨╜╤В╨░, ╨║╨░╨║ ╤В╨╛╨╗╤М╨║╨╛ ╨╡╨╡ ╨▒╨░╨╜╨║ ╨╛╨┤╨╛╨▒╤А╨╕╤В ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕.

╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨╝╨╡╨╢╨┤╤Г NACH ╨╕ ECS

╨а╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г NACH ╨╕ ECSECSECS ╨╛╨╖╨╜╨░╤З╨░╤О╤В ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╤Г╤О ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╤Г╤О ╤Б╨╕╤Б╤В╨╡╨╝╤Г, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╤Л╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╕╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╤Б ╨╛╨┤╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ ╨╜╨░ ╨┤╤А╤Г╨│╨╛╨╣. ╨Ю╨▒╤Л╤З╨╜╨╛ ╨╛╨╜ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В╤Б╤П ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╝ ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨╛╨▒╤А╨░╨▒╨░╤В╤Л╨▓╨░╤В╤М ╨▒╨╛╨╗╤М╤И╨╛╨╡ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣ ╨╖╨░ ╨╛╨┤╨╕╨╜ ╨┤╨╡╨╜╤М ╨╕╨╗╨╕ ╨┐╤А╨╛╨╕╨╖╨▓╨╛╨┤╨╕╤В╤М ╨┐╨╡╤А╨╕╨╛╨┤╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨┐╨╗╨░╤В╨╡╨╢╨╕, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨░╤П ╨┐╨╗╨░╤В╨░, ╨┤╨╕╨▓╨╕╨┤╨╡╨╜╨┤╤Л, ╨┐╨╗╨░╤В╨╡╨╢╨╕ ╨┐╨╛ ╤Б╤З╨╡╤В╨░╨╝ ╨╕ ╨┐╨╗╨░╤В╨╡╨╢╨╕ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╨░╨╝.

• NACH тАФ ╤Н╤В╨╛ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б, ╨┐╨╛╤Н╤В╨╛╨╝╤Г ╨╛╨╜ ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П╨╝ ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М ╨╝╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕, ╤В╨╛╨│╨┤╨░ ╨║╨░╨║ ECS ╨╛╤В╨╜╨╕╨╝╨░╨╡╤В ╨╝╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╤Н╤В╨╛ ╤А╤Г╤З╨╜╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б.
• ECS ╤В╤А╨╡╨▒╤Г╨╡╤В ╨▒╨╛╨╗╤М╤И╨╡ ╨▒╤Г╨╝╨░╨╢╨╜╨╛╨╣ ╤А╨░╨▒╨╛╤В╤Л ╨┐╨╛ ╤Б╤А╨░╨▓╨╜╨╡╨╜╨╕╤О ╤Б NACH.
• ╨Ъ╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨╛╤В╨║╨░╨╖╨░ ╨╜╨╕╨╢╨╡ ╨▓ NACH ╨┐╨╛ ╤Б╤А╨░╨▓╨╜╨╡╨╜╨╕╤О ╤Б ECS.
• ╨а╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╤П ECS ╨╝╨╛╨╢╨╡╤В ╨╖╨░╨╜╤П╤В╤М ╨┤╨╛ ╤В╤А╨╕╨┤╤Ж╨░╤В╨╕ ╨┤╨╜╨╡╨╣, ╤В╨╛╨│╨┤╨░ ╨║╨░╨║ ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╤П NACH ╨╖╨░╨╜╨╕╨╝╨░╨╡╤В ╨▓╤Б╨╡╨│╨╛ ╨┐╤П╤В╨╜╨░╨┤╤Ж╨░╤В╤М ╨┤╨╜╨╡╨╣.
• ╨Т ECS ╨┐╨╗╨░╤В╨╡╨╢╨╕ ╤А╨░╤Б╤Б╤З╨╕╤В╤Л╨▓╨░╤О╤В╤Б╤П ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╤В╤А╨╡╤Е-╤З╨╡╤В╤Л╤А╨╡╤Е ╨┤╨╜╨╡╨╣, ╤В╨╛╨│╨┤╨░ ╨║╨░╨║ ╨▓ NACH ╨┐╨╗╨░╤В╨╡╨╢╨╕ ╤А╨░╤Б╤Б╤З╨╕╤В╤Л╨▓╨░╤О╤В╤Б╤П ╨▓ ╤В╨╛╤В ╨╢╨╡ ╨┤╨╡╨╜╤М.
• ECS ╨╜╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Г╨╜╨╕╨║╨░╨╗╤М╨╜╤Л╨╣ ╨╜╨╛╨╝╨╡╤А MRR. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, NACH ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Г╨╜╨╕╨║╨░╨╗╤М╨╜╤Л╨╣ ╨╜╨╛╨╝╨╡╤А MRR, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╝╨╛╨╢╨╜╨╛ ╨╗╨╡╨│╨║╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨┤╨╗╤П ╨┤╨░╨╗╤М╨╜╨╡╨╣╤И╨╡╨│╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П.

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ NACH ╨┤╨╗╤П ╨▒╨░╨╜╨║╨╛╨▓, ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨╕ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╣ ╨╖╨░╨║╨╗╤О╤З╨░╤О╤В╤Б╤П ╨▓ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨╝:

#1 тАУ ╨Ф╨╗╤П ╨▒╨░╨╜╨║╨╛╨▓

• ╨Ю╨▒╤А╨░╨▒╨╛╤В╨║╨░ SWIFTSWIFTSWIFT тАФ ╤Н╤В╨╛ ╨Ю╨▒╤Й╨╡╤Б╤В╨▓╨╛ ╨▓╤Б╨╡╨╝╨╕╤А╨╜╤Л╤Е ╨╝╨╡╨╢╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╨╗╨╡╨║╨╛╨╝╨╝╤Г╨╜╨╕╨║╨░╤Ж╨╕╨╣ ╨╕ ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╜╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╤Л╨╝ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝ ╨╖╨░╤Й╨╕╤Й╨╡╨╜╨╜╤Г╤О, ╤Б╤В╨░╨╜╨┤╨░╤А╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨╕ ╨╖╨░╤И╨╕╤Д╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╤Б╨╡╤В╤М ╨▓ ╨╜╨░╨┤╨╡╨╢╨╜╨╛╨╣ ╤Б╤А╨╡╨┤╨╡ ╨┤╨╗╤П ╨┐╨╡╤А╨╡╨┤╨░╤З╨╕ ╤А╨░╨╖╨╗╨╕╤З╨╜╨╛╨╣ ╨▓╨░╨╢╨╜╨╛╨╣ ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕ ╨╛╤В ╨╛╨┤╨╜╨╛╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨║ ╨┤╤А╤Г╨│╨╛╨╝╤Г. ╤З╨╕╤В╨░╤В╤М ╨▒╨╛╨╗╤М╤И╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣ ╨▓ ╤А╨╡╨╢╨╕╨╝╨╡ ╤А╨╡╨░╨╗╤М╨╜╨╛╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕.
• ╨б╨╕╤Б╤В╨╡╨╝╨░ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨▒╨░╨╜╨║╨░╨╝ ╤Г╨╗╤Г╤З╤И╨╕╤В╤М ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╨╡ ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓, ╤Г╨┐╤А╨╛╤Б╤В╨╕╤В╤М ╨┐╤А╨╛╤Ж╨╡╤Б╤Б ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨╕ ╨┤╨░╨╢╨╡ ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╕╤В╤М ╨┐╤А╨╛╤З╨╜╤Л╨╡ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╤П ╤Б ╨░╤Д╤Д╨╕╨╗╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╝╨╕ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝╨╕.
• ╨Ь╨╡╨╜╤М╤И╨╡ ╨╛╤И╨╕╨▒╨╛╨║ ╨╕ ╤Б╨▓╨╡╤А╤Е╨▒╤Л╤Б╤В╤А╤Л╨╣ ╤А╨░╨▒╨╛╤З╨╕╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б.

#2 тАУ ╨Ф╨╗╤П ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓

• ╨Э╨╡ ╤В╤А╨╡╨▒╤Г╨╡╤В ╤А╤Г╤З╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╤Б╤Б╨╛╨▓.
• ╨г╨┤╨╛╨▒╨╜╤Л╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б.
• ╨б╨▓╨╡╤А╤Е╨▒╤Л╤Б╤В╤А╤Л╨╣ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б.
• ╨Э╨╡╤В ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛╤Б╤В╨╕ ╨╖╨░╨┐╨╛╨╝╨╕╨╜╨░╤В╤М ╤Б╤А╨╛╨║╨╕ ╨┐╨╛╨│╨░╤И╨╡╨╜╨╕╤П ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ ╤В╨╡╨╗╨╡╤Д╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╤Б╤З╨╡╤В╨░ ╨╖╨░ ╤Н╨╗╨╡╨║╤В╤А╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨╕ ╤В. ╨┤.

# 3 — ╨Ф╨╗╤П ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕

• ╨г╨┤╨╛╨▒╤Б╤В╨▓╨╛ ╨╛╤Д╨╛╤А╨╝╨╗╨╡╨╜╨╕╤П ╤Б╤З╨╡╤В╨╛╨▓.
• ╨Э╤Г╨╗╨╡╨▓╨░╤П ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╤М ╨╛╤В ╤З╨╡╨║╨╛╨▓ ╨╕ ╨╕╤Е ╨╛╤Д╨╛╤А╨╝╨╗╨╡╨╜╨╕╤П.
• ╨Я╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤Б╨▓╨╛╨╡╨▓╤А╨╡╨╝╨╡╨╜╨╜╨╛ ╨╜╨░╤З╨╕╤Б╨╗╤П╤В╤М ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨┤╨╕╨▓╨╕╨┤╨╡╨╜╨┤╤Л, ╨░ ╤В╨░╨║╨╢╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨▓╤Л╨┐╨╗╨░╤В╤Л.

╨Ч╨░╨║╨╗╤О╤З╨╡╨╜╨╕╨╡

╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨░╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨░╤П ╨┐╨░╨╗╨░╤В╨░ тАФ ╤Н╤В╨╛ ╤Ж╨╡╨╜╤В╤А╨░╨╗╨╕╨╖╨╛╨▓╨░╨╜╨╜╨╛╨╡ ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨╡ ╨╛╨╜╨╗╨░╨╣╨╜-╤А╨╡╤И╨╡╨╜╨╕╨╡, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╝ ╤Б╨╡╨║╤В╨╛╤А╨░╨╝, ╨▒╨░╨╜╨║╨░╨╝, ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝ ╨╕ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╝ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝ ╨╛╨▒╤А╨░╨▒╨░╤В╤Л╨▓╨░╤В╤М ╨╕ ╤Г╨┐╤А╨░╨▓╨╗╤П╤В╤М ╨╝╨░╤Б╤Б╨╛╨▓╤Л╨╝╨╕ ╨┐╨╗╨░╤В╨╡╨╢╨░╨╝╨╕, ╨╖╨░╨┐╤Г╤Й╨╡╨╜╨╜╤Л╨╝╨╕ NPCI ╨╕╨╗╨╕ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨╣ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╡╨╣ ╨Ш╨╜╨┤╨╕╨╕ ╨▓ 2007 ╨│╨╛╨┤╤Г. ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╡ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕ ╨┤╨╗╤П ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╤П ╨║╤А╤Г╨┐╨╜╤Л╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣, ╨▓╨║╨╗╤О╤З╨░╤П ╤Б╤Г╨╝╨╝╤Г ╨║╤А╨╡╨┤╨╕╤В╨░, ╤Б╤З╨╡╤В╨░ ╨╖╨░ ╨▓╨╛╨┤╤Г, ╤В╨╡╨╗╨╡╤Д╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╤Б╤З╨╡╤В╨░ ╨╖╨░ ╤Н╨╗╨╡╨║╤В╤А╨╛╤Н╨╜╨╡╤А╨│╨╕╤О, EMI ╨╕ ╨▓╨╖╨░╨╕╨╝╨╜╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤ — ╤Н╤В╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛ ╤Г╨┐╤А╨░╨▓╨╗╤П╨╡╨╝╤Л╨╣ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╨┤╤Г╨║╤В, ╨▓ ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨▓╨║╨╗╨░╨┤╤Л╨▓╨░╨╡╤В╤Б╤П ╨┐╤Г╨╗ ╨┤╨╡╨╜╨╡╨│ ╨╛╤В ╨│╤А╤Г╨┐╨┐╤Л ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓. ╨┐╨╛ ╨░╨║╤В╨╕╨▓╨░╨╝, ╤В╨░╨║╨╕╨╝ ╨║╨░╨║ ╨░╨║╤Ж╨╕╨╕, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╕ ╤В.┬а╨┤.┬атАФ ╨┐╨╗╨░╤В╨╡╨╢╨╕, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╤З╨╡╤А╨╡╨╖ ╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╤Г╤О ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╤Г╤О ╨┐╨░╨╗╨░╤В╤Г ╨╕╨╗╨╕ ╤А╨╡╤И╨╡╨╜╨╕╨╡ NACH.

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨░ ╤Б╤В╨░╤В╤М╤П ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ ╨┐╨╛╨╗╨╜╨╛╨╣ ╤Д╨╛╤А╨╝╨╡ NACH (╨Э╨░╤Ж╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л) ╨╕ ╨╡╨╡ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤О. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤Б╤Г╨╢╨┤╨░╨╡╨╝, ╨║╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В NACH, ╨╡╨│╨╛ ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕, ╤Ж╨╡╨╗╨╕, ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╕ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╛╨▒╤А╨░╤В╨╕╤В╤М╤Б╤П ╨║ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╝ ╤Б╤В╨░╤В╤М╤П╨╝, ╤З╤В╨╛╨▒╤Л ╤Г╨╖╨╜╨░╤В╤М ╨▒╨╛╨╗╤М╤И╨╡ ╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨░╤Е:

• ╨Э╨Х╨д╨в╨м ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░
• ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ IMPS
• ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ IDBI
• ╨Я╨╛╨╗╨╜╨░╤П ╤Д╨╛╤А╨╝╨░ ECS