ࡱ> TVS5@Ibjbj22.NXX&&&&,R$ (((((v$+ - - - - - - $!R$bQ 9((Q (( 000 ((+ 0+ 0&0V:[,(v ЁC&F , 0 Rr$&r$r$0Q Q  &  !>45@60=85  TOC \o "1-3" \h \z \u  HYPERLINK \l "_Toc114038461" 1. >3>2>@ 10=:>2A:>3> 2:;040  PAGEREF _Toc114038461 \h 3  HYPERLINK \l "_Toc114038462" 2. >=OB85 8 ?@02>2K5 B@51>20=8O : #AB02=><C :0?8B0;C :><<5@G5A:>3> 10=:0. >@O4>: D>@<8@>20=8O CAB02=>3> :0?8B0;0  PAGEREF _Toc114038462 \h 9  HYPERLINK \l "_Toc114038463" 3. 1I85 8 A?5F80;L=K5 CA;>28O @01>BK 10=:0 A 20;NB>9  PAGEREF _Toc114038463 \h 14  HYPERLINK \l "_Toc114038464" !?8A>: 8A?>;L7>20==>9 ;8B5@0BC@K  PAGEREF _Toc114038464 \h 23  >3>2>@ 10=:>2A:>3> 2:;040 @5645 G5< >1@0B8BLAO : ?>=OB8N 10=:>2A:>3> 2:;040, 4048< >?@545;5=85 2:;040 A B>G:8 7@5=8O 459AB2CNI53> 10=:>2A:>3> 70:>=>40B5;LAB20, ?>A;54=55 O2;O5BAO DC=40<5=B>< 4;O A>25@H5=8O 2A5E 10=:>2A:8E A45;>: A 3@0640=0<8.  A>>B25BAB288 A> AB.36 0:>=0  10=:0E 8 10=:>2A:>9 45OB5;L=>AB8, 2:;04 - 45=56=K5 A@54AB20 2 20;NB5 >AA89A:>9 $545@0F88 8;8 8=>AB@0==>9 20;NB5, @07<5I05<K5 D878G5A:8<8 ;8F0<8 2 F5;OE E@0=5=8O 8 ?>;CG5=8O 4>E>40.  A>>B25BAB288 A> AB.2 $ " AB@0E>20=88 2:;04>2 D878G5A:8E ;8F 2 10=:0E >AA89A:>9 $545@0F88": - 2:;04 - 45=56=K5 A@54AB20 2 20;NB5 >AA89A:>9 $545@0F88 8;8 8=>AB@0==>9 20;NB5, @07<5I05<K5 D878G5A:8<8 ;8F0<8 2 10=:5 =0 B5@@8B>@88 >AA89A:>9 $545@0F88 =0 >A=>20=88 4>3>2>@0 10=:>2A:>3> 2:;040 8;8 4>3>2>@0 10=:>2A:>3> AG5B0, 2:;NG0O :0?8B0;878@>20==K5 (?@8G8A;5==K5) ?@>F5=BK =0 AC<<C 2:;040; - 2:;04G8: - 3@0640=8= >AA89A:>9 $545@0F88, 8=>AB@0==K9 3@0640=8= 8;8 ;8F> 157 3@0640=AB20, 70:;NG82H85 A 10=:>< 4>3>2>@ 10=:>2A:>3> 2:;040 8;8 4>3>2>@ 10=:>2A:>3> AG5B0, ;81> ;N1>5 87 C:070==KE ;8F, 2 ?>;L7C :>B>@>3> 2=5A5= 2:;04. >=OB85 8 ?@02>2K5 B@51>20=8O : #AB02=><C :0?8B0;C :><<5@G5A:>3> 10=:0. >@O4>: D>@<8@>20=8O CAB02=>3> :0?8B0;0 #AB02=K9 :0?8B0; 10=:0 A:;04K205BAO 87 A@54AB2 N@848G5A:8E 8 D878G5A:8E ;8F, :>B>@K9 A;C68B >15A?5G5=85< >1O70B5;LAB2 10=:0. #AB02=K9 :0?8B0; D>@<8@C5BAO 87 A@54AB2 =5 <5=55 B@5E CG0AB=8:>2 10=:0. 5 <>3CB 1KBL 8A?>;L7>20=K 4;O D>@<8@>20=8O CAB02=>3> :0?8B0;0 10=:0 A@54AB20 AC1J5:B>2 $ 8 <C=8F8?0;L=KE >1@07>20=89, A@54AB20 ?>;8B8G5A:8E >@30=870F89, 0 B0:65 A@54AB20 A?5F80;878@>20==KE >1I5AB25==KE D>=4>2 (2 B>< G8A;5 1;03>B2>@8B5;L=KE). @02>2K5 B@51>20=8O : #AB02=><C :0?8B0;C  A>>B25BAB288 A 3;02>9 4 =AB@C:F88 & $ >B 14.09.2004 !109- CAB02=K9 :0?8B0; :@548B=>9 >@30=870F88, A>740205<>9 2 D>@<5 >1I5AB20 A >3@0=8G5==>9 >B25BAB25==>ABLN 8;8 >1I5AB20 A 4>?>;=8B5;L=>9 >B25BAB25==>ABLN, A>AB02;O5BAO 87 =><8=0;L=>9 AB>8<>AB8 4>;59 55 CG@548B5;59. :;04 2 CAB02=K9 :0?8B0; :@548B=>9 >@30=870F88 <>65B 1KBL 2 2845: 45=56=KE A@54AB2 2 20;NB5 >AA89A:>9 $545@0F88; 45=56=KE A@54AB2 2 8=>AB@0==>9 20;NB5; ?@8=04;560I53> CG@548B5;N :@548B=>9 >@30=870F88 =0 ?@025 A>1AB25==>AB8 740=8O (?><5I5=8O), 7025@H5==>3> AB@>8B5;LAB2>< (2 B>< G8A;5 2:;NG0NI53> 2AB@>5==K5 8;8 ?@8AB@>5==K5 >1J5:BK), 2 :>B>@>< <>65B @0A?>;030BLAO :@548B=0O >@30=870F8O; 8=>3> 8<CI5AB20 2 =545=56=>9 D>@<5, ?5@5G5=L :>B>@>3> CAB0=02;8205BAO 0=:>< >AA88. $>@<8@>20=85 CAB02=>3> :0?8B0;0 1I85 8 A?5F80;L=K5 CA;>28O @01>BK 10=:0 A 20;NB>9 0;NB=K5 >B=>H5=8O @53C;8@CNBAO :0: A?5F80;L=K<8 =>@<0<8 D8=0=A>2>3> ?@020, B0: 8 =>@<0<8 4@C38E >B@0A;59 ?@020 8 ?@54AB02;ONB A>1>9 >A>1FHJL     D F xbxUxѳh0aJmHnHu*j}hKh0UaJmHnHu'jhKh0UaJmHnHuhKh0aJmHnHu-jhKh0>*UaJmHnHuhKh0aJmHnHuhKh00JaJmHnHu(jhKh00JUaJmHnHujhKh05UaJhKh05aJ r d , 0 2 4 6 8 : < > @ B D F H J L N P R T gd0 $ ^`gd0 $ `gd0$a$gd0IF H J N P . 0 2 f h j l n p r t v  " V õå{nӵõWõå-jhKh0>*UaJmHnHuh0aJmHnHu*jwhKh0UaJmHnHu'jhKh0UaJmHnHuhKh0aJmHnHuhKh0aJmHnHuhKh00JaJmHnHu(jhKh00JUaJmHnHu-jhKh0>*UaJmHnHuV X Z ^ ` b d f h  " & ( * , . ^ ִooYִJC h05aJjhKh05UaJ*jkhKh0UaJmHnHuhKh0aJmHnHu-jhKh0>*UaJmHnHuhKh00JaJmHnHuhKh0aJmHnHu(jhKh00JUaJmHnHuh0aJmHnHu'jhKh0UaJmHnHu*jqhKh0UaJmHnHuT V X Z \ ^ LH @ B D F gd0gd0^ JLFH24fh46hj> @ J !2z55::::z;|;>>@???@枑枑haYh0aJmH sH haYh0aJ hS h0U h06aJh*h06aJh*h0aJ h0aJh~\h0aJ h06hZh06h0hKh0CJOJQJaJ hKh08F H J D4:::;<=>B??@B6DDEGGHHIII & Fh^h`gd0gd0$gd0 $`gd0gd0K9 D8=0=A>2>-?@02>2>9 8=AB8BCB  20;NB=>5 ?@02>.  >A=>2=K< M;5<5=B0< 20;NB=>3> @53C;8@>20=8O <>6=> >B=5AB8: CAB0=>2;5=85 ?>@O4:0 ?@>2545=8O 20;NB=KE >?5@0F89; >?@545;5=85 CA;>289 8 ?>@O4:0 D>@<8@>20=8O 20;NB=>3> @575@20 AB@0=K 8 20;NB=KE D>=4>2 E>7O9AB2CNI8E AC1J5:B>2; 20;NB=K9 :>=B@>;L. 0:>= $  20;NB=>< @53C;8@>20=88 8 20;NB=>< :>=B@>;5 70:@5?;O5B A8AB5<C N@848G5A:8E ?>=OB89 @53C;8@>20=8O 20;NB=KE >B=>H5=89 8 2 ?5@2CN >G5@54L ?>=OB85 20;NBK $. !>3;0A=> AB0BL8 1 0:>=0  MB>: 0) @C1;8 2 2845 10=:>2A:8E 18;5B>2 & $ 8 <>=5BK; 1) A@54AB20 2 @C1;OE =0 AG5B0E 2 :@548B=KE CG@5645=8OE 2 $; 2) A@54AB20 2 @C1;OE =0 AG5B0E 2 :@548B=KE CG@5645=8OE 70 ?@545;0<8 $ (=0 >A=>20=88 <56?@028B5;LAB25==KE A>3;0H5=89 >1 8A?>;L7>20=88 20;NBK $ 2 :0G5AB25 70:>==>3> ?;0B56=>3> A@54AB20). 0;NB0 8 45=L38 - ?>=OB8O =5 845=B8G=K5. 0;NB0, O2;OOAL D>@<>9 45=53, 8<55B >4=C A?5F8D8G5A:CN >A>15==>ABL: 55 =0F5;5==>ABL =0 <8@>2>9 @K=>:, =0 >1A;C6820=85 <564C=0@>4=KE M:>=><8G5A:8E >B=>H5=89. "0:8< >1@07><, 20;NB>9 AB0=>2OBAO B5 45=L38, :>B>@K5 ?@87=0=K <8@>2K< A>>1I5AB2>< 2 :0G5AB25 2A5>1I53> M:2820;5=B0. !?8A>: 8A?>;L7>20==>9 ;8B5@0BC@K @0640=A:89 :>45:A >AA89A:>9 $545@0F88. '0AB8 ?5@20O, 2B>@0O 8 B@5BLO. - .: " 5;18, 74-2> @>A?5:B, 2004.- A.448. $545@0;L=K9 70:>= >B 10 8N;O 2002 3>40 !86 $  &5=B@0;L=>< 10=:5 >AA89A:>9 $545@0F88 (0=:5 >AA88). $545@0;L=K9 70:>= >B 3 D52@0;O 1996 3. N 17-$   10=:0E 8 10=:>2A:>9 45OB5;L=>AB8 (! 87<5=5=8O<8 >B 8 8N;O 1999 3. N136-$). $545@0;L=>3> 70:>=0 " AB@0E>20=88 2:;04>2 D878G5A:8E ;8F 2 10=:0E >AA89A:>9 $545@0F88" >B 23 45:01@O 20033. !177-$. $545@0;L=K9 70:>= $ >B 10.12.03 !173-$ " 20;NB=>< @53C;8@>20=88 8 20;NB=>< :>=B@>;5". =AB@C:F88 & $ >B 14.09.2004 !109- #AB02=K9 :0?8B0; :@548B=>9 >@30=870F88. #:070=85< 0=:0 >AA88 1 C?>@O4>G5=88 0:B>2 0=:0 >AA88 >B 7.05.2003 ! 1276-# 17>@ AC451=>9 ?@0:B8:8 5@E>2=>3> !C40 $ 70 IV :20@B0; 2004 3>40 (?> 3@0640=A:8< 45;0<) (CB2. ?>AB0=>2;5=85< @57848C<0 5@E>2=>3> !C40 $ >B 5 0?@5;O 2004 3.) ?@545;5=85 !56-04-6: // N;;5B5=L 5@E>2=>3> !C40 >AA89A:>9 $545@0F88. - 2004 3. - !7 - !.16. 17>@ AC451=>9 ?@0:B8:8 5@E>2=>3> !C40 $ "5:>B>@K5 2>?@>AK AC451=>9 ?@0:B8:8 ?> 3@0640=A:8< 45;0< 5@E>2=>3> !C40 >AA89A:>9 $545@0F88" // N;;5B5=L 5@E>2=>3> !C40 >AA89A:>9 $545@0F88. - 2002 3. - !5. D8<>20 .. 0=:>2A:85 A45;:8. @02> 8 ?@0:B8:0. - ., 2001. !. 247 279. @0G520 ... $8=0=A>2>5 ?@02>: !E5<K, :><<5=B0@88 / #G51=>5 ?>A>185. - .: >2K9 .@8AB, 2001, A. 104. ><<5=B0@89 : @0640=A:><C :>45:AC >AA89A:>9 $545@0F88, G0AB8 2B>@>9/>4 @54. ?@>D. "..1>2>9 8 ...010;:8=0; =-B 3>AC40@AB20 8 ?@020 . - .: .@09B-740B; @02> 8 70:>=, 2003.  A.527. 02@CH8= .. 0=:>2A:>5 45;>. 740B5;LAB2> $8=0=AK 8 AB0B8AB8:0 20033. A. 672. @02>2>5 @53C;8@>20=85 10=:>2A:>9 45OB5;L=>AB8. >4 @54. 4>:B>@0 N@84. =0C:, ?@>D. . . !CE0=>20 ., 1999. A. 448. "04552 . 0=:>2A:>5 ?@02>. >=A?5:B ;5:F89. 740B5;LAB2> @8>@.20053. A.256. http://www.vitasbank.ru/document.asp?id=484 @BNDPD4GRGVGGHHIII̺鳯h0 hEYh0#haYh00J5B*\aJph haYh00JB*\aJphhaYh06]aJhaYh0aJhaYh0B*aJph IIIIIIIIIIgd0 ,1h. A!"R#n$n% }DyK _Toc114038461}DyK _Toc114038461}DyK _Toc114038462}DyK _Toc114038462}DyK _Toc114038463}DyK _Toc114038463}DyK _Toc114038464}DyK _Toc114038464Z`Z 01KG=K9$$dh`a$CJ_HaJmHsHtHZ`Z 0 03>;>2>: 1$ & F<@&5KH \^JaJ X@X 0 03>;>2>: 3 <@&5CJOJQJ\^JaJBA@B A=>2=>9 H@8DB 0170F0XiX 1KG=0O B01;8F04 l4a .k. 5B A?8A:04`4 0 3;02;5=85 1<`< 0 3;02;5=85 3 ^:U`: 0 8?5@AAK;:0 >*B*ph0o!0 0 txtdocheaderN 9 !"#$%&'()*+,-./J&`rstuvwxyz{ ! " # $ % X 01R3)+.Fl300000000000000000000000000000 00/0/0/0/0/0/0/0/0/0/0/0/0/0/ 00{0{0{0{0{0{0{0{0{ 00% 0% 0% (0%  01 01 01 01 01 01 01 01 01 0 1 0 1 0 1 0 1 0 1 01 01@0000000000 9 !"#$%&'()*+,-./J&`rstuvwxyz{ ! " # $ % X 01R3)+.Fl300000000000000000000000000000 00/0/0/0/0/0/0/0/0/0/0/0/0/0/ 00{0{0{0{0{0{0{0{0{ 00% 0% 0% (0%  01 01 01 01 01 01 01 01 01 0 1 0 1 0 1 0 1 0 1 01 01(@0J 0  0  0  0  0  0  0  0 F V ^ @I%T F II&I #$Dc4679Y X%ĕX%ĕX%ĕX%ĕ̕ _Toc114038461 _Toc114038462 _Toc114038463 _Toc114038464/{% 1IW Q Anna ChernenkobRǼGVM!- ^`o(hH.- ^`hH.- pLp^p`LhH.- @ @ ^@ `hH.- ^`hH.- L^`LhH.- ^`hH.- ^`hH.- PLP^P`LhH. ^`hH. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.bGVf0r 0@̜4  2UnknownGz Times New Roman5Symbol3& z Arial7&  Verdana"hMkFNkF  ,  ,Yn24@H(?0Anna ChernenkoAnna Chernenko  Oh+'0d   , 8DLT\ssAnna Chernenkonna Normal.dotnAnna Chernenko2naMicrosoft Word 10.0@F#@JVC@<zC ՜.+,D՜.+,4 hp  HOME0, A    8@ _PID_HLINKSAD2_Toc1140384642_Toc1140384632_Toc1140384622_Toc114038461  !"#$%&')*+,-./123456789:;<=>?@ABDEFGHIJLMNOPQRURoot Entry FެCWData (1Table0$WordDocument.NSummaryInformation(CDocumentSummaryInformation8KCompObjj  F Microsoft Word MSWordDocWord.Document.89q