cuenta administrador vs cuenta limitada

8/8/2019 Cuenta Administrador vs Cuenta Limitada

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‒Ltdown gd ng`coc|wyngmy v|/ ltdown bc`cwngn‐ Uîacon 9 gd >6 Mi|dyvnwmycm gd bn \datycgng gd bn Cofmy`nlcüo

Nhmyn icdo" ½ltîb d| bn gcfdydolcn dowyd Qcogmq| Vc|wn s Qcogmq| XU ~td `mwcvn db

gd|ocvdb wno omwnibd do db umyldownkd gd d~tcum| ~td nbmkno `nbqnyd=

Db `mwcvm uycolcunb d| ~td Qcogmq| Vc|wn ftdy{n to lmowymb `î| d|wyclwm gd bm| uycvcbdacm|

gdb t|tnycm `dgcnowd |t ad|wmy gd t|tnycm| TNL (T|dy Nlld|| Lmowymb#/ Lmo TNL |d

dvcwn ~td |d t|do bm| uycvcbdacm| dbdvngm| |c om |mo ni|mbtwn`dowd odld|nycm|/

Umy d|wn yn{üo" s gngm ~td db cùnlwm |miyd bn |datycgng gdb |c|wd`n d| dvcgdowd do

wãy`com| gd cofdllcüo" n lmowcotnlcüo |d mycdown nb t|tnycm n lmofcatyny Qcogmq| XU unyn

ng~tcycy to ocvdb gd yd|wycllcüo |c`cbny nb gd Qcogmq| Vc|wn/ D|wn yd|wycllcüo lmo|wcwtsd ton

gd bn| lnun| `î| dfdlwcvn| lmowyn db lügcam `nbclcm|m s mwym wcum gd nwnlnowd|/ \d wynwn gd

ton ydlm`dognlcüo adodynb gd |datycgng ~td d| lmovdocdowd |datcy; Ydnbc{ny bm|

lnìcm| odld|nycm| do db |c|wd`n unyn lmo|datcy ton lmofcatynlcüo `î| ymit|wn"dbc`conogm bn| ltdown| s bm| |dyvclcm| coodld|nycm| s lnìcnogm bm| udy`c|m| s uycvcbdacm|

umy gdfdlwm >/

CC Gcfdydolcn| dowyd db wcum gd ltdown| s uycolcucm gd `àoc`m uycvcbdacm

Ltdown Ng`coc|wyngmy-Ltdown Bc`cwngn

@clym|mfw Qcogmq| XU d| to |c|wd`n `tbwcudyfcb (nto~td om |cdùyd d| t|ngm lm`m wnb#/

Lngn udyfcb |d lmyyd|umogd lmo to t|tnycm" ~td wcdod lcdywn| lnunlcgngd| |miyd db

|c|wd`n mudynwcvm/

Ltnowm| `î| uycvcbdacm| wcdod to t|tnycm |miyd db |c|wd`n" `î| ycd|am dxc|wd do bn

ydnbc{nlcüo gd wnydn| inkm d|d udyfcb" sn ~td ltnb~tcdy nllcüo ~td ydnbcld umod do udbcaym

bn| unywd| `î| gdbclngn| gd bn lmofcatynlcüo gd Qcogmq|/ \c db udyfcb wcdod to umgdy

yd|wycoacgm |miyd db |c|wd`n mudynwcvm" om |d utdgdo ydnbc{ny wnydn| gd ng`coc|wynlcüo" s

db t|m gcnycm gdb d~tcum om yd|tbwn wno udbcaym|m/ Umy gdfdlwm" wmgm t|tnycm otdvm ~td |d

lydn do Qcogmq| XU d| nþngcgm nb |c|wd`n lmo uycvcbdacm| gd ng`coc|wynlcüo/

Bn Wnibn 9 uyd|down to yd|t`do gd bn| wnydn| ~td udy`cwd lngn wcum gd ltdown/ Bn cgdn

abminb d| bn |catcdowd; ton ltdown gd t|tnycm bc`cwngn udy`cwd hnldy t|m gd bn `nsmyàn gdbn| hdyyn`cdown| lmwcgcnon| gdb |c|wd`n" udym |übm bn| ltdown| lmo uycvcbdacm| gd

ng`coc|wyngmy utdgdo ydnbc{ny lnìcm| ~td nfdlwno n mwym| t|tnycm|/

>Aü`d{ Vcdcwd|" N/ Dolclbmudgcn gd bn \datycgng Cofmy`îwcln/ Lnuàwtbm >1" \datycgng do ydgd| Qcogmq|/ Uîa/ 7>4/



‒Ltdown gd ng`coc|wyngmy v|/ ltdown bc`cwngn‐ Uîacon < gd >6 Mi|dyvnwmycm gd bn \datycgng gd bn Cofmy`nlcüo

Wnibn 9; Wnydn| udy`cwcgn| lmo lngn wcum gd ltdown gd t|tnycm

Ltdown Ng`coc|wyngmy Ltdown Bc`cwngnCo|wnbnlcüo gdb |c|wd`n s gdb hnygqnyd s|mfwqnyd coclcnb/

Lydny" `mgcfclny m dbc`cony nylhcvm| gd bnuymucn ltdown/

Unyn`dwyc{nlcüo gd uydfdydolcn| (fdlhn shmyn" fmogm gd d|lycwmycm" dwl/# s ydunynlcüo gduymibd`n| (`mgcfclnlcüo gdb ydac|wym" dwl/#

Uymayn`n| lmwcgcnom| gd wynwn`cdowm gdgnwm|; uymld|ngmyd| gd wdxwm" hmkn| gdlîbltbm" in|d| gd gnwm|" onvdangmy"uymayn`n| gd gd|lnyan" bdlwmyd| gd lmyydmdbdlwyüoclm" yduymgtlwmyd| gd vcgdm s ntgcm"dgclcüo gd fmwmaynfàn|" dwl/

Ngclcüo gd otdvm |mfwqnyd (dk/ uymayn`n| gdgd|lnyan# s hnygqnyd (dk/ cùyd|myn#/

Vdy nylhcvm| gd bn lnyudwn Gmlt`dowm|lmùnywcgm|/

Wmgn| bn| wnydn| ~td udy`cwd ton ltdown

bc`cwngn; t|m gd uymld|ngmyd| gd wdxwm"onvdangmy qdi" dwl/

Atnygny gmlt`dowm|" bddy gmlt`dowm| gdb

uymucm t|tnycm/

Lydny" `mgcfclny s dbc`cony ltdown|/ Lnìcny m ~tcwny |t| uymucn| lmowyn|dþn|

Wdody nlld|m n wmgm| bm| nylhcvm| gdb|c|wd`n/

Lnìcny |t c`nado" wd`n s mwyn|lmofcatynlcmod| gd |t d|lycwmycm/

Ftdowd; COWDLM

Uycolcucm gd `àoc`m uycvcbdacm

Do db îìcwm gd bn |datycgng dxc|wd to uycolcucm iî|clm ~td |d hn gd nubclny n wmgmuymld|m; db uycolcucm gd `àoc`m uycvcbdacm/ \d wynwn gd ton gd bn| ucdgyn| noatbnyd| gd bn

|datycgng; ydnbc{ny bn| wnydn| odld|nycn| lmo bm| `àoc`m| uycvcbdacm|: n|à ltnb~tcdy fnbbm"

nllcgdowd m vtbodynicbcgng wcdod wnìcão to cùnlwm `àoc`m9/

Do in|d n d|wd uycolcucm" d| ydlm`dognibd ~td db t|tnycm `nowdoan" nb `dom|" gm|

ltdown|; ton lmo uycvcbdacm| gd ng`coc|wyngmy (unyn bn ad|wcüo gdb |c|wd`n d co|wnbnlcüo gd

|mfwqnyd# s mwyn ltdown lmo udy`c|m| ydgtlcgm| (unyn |t t|m lmwcgcnom#/ Wmgm t|tnycm

ngclcmonb ~td |d naydatd (udy|mon| ~td lmùnywdo db t|m gdb `c|`m d~tcum# gdid

nþngcy|d lm`m ltdown bc`cwngn/

CCC Idodfclcm| gd bn ltdown bc`cwngn

Aynlcn| nb t|m gd ton ltdown bc`cwngn" bn| nllcmod| ~td utdgdo |dy bbdvngn| n lnim umy

mwym t|tnycm m umy nbaûo wcum gd lügcam `nbclcm|m d|wîo nlmwngn|/

Nlld|m n bn lnyudwn ‒@c| Gmlt`dowm|‐

\c to t|tnycm (om ng`coc|wyngmy# cowdown nlldgdy n bm| gmlt`dowm| gd mwym t|tnycm ydlcid

to dyymy gd ‒Nlld|m gdodangm‐/ Gd bn `c|`n `nodyn" |c db d~tcum d| nwnlngm umy

9Oüwd|d ~td |d hnibn gd cùnlwm `àoc`m s om otbm/ Do nbatom| ln|m| utdgd |dy otbm" udym |datcy d|wd uycolcucm om

anynowc{n bn nt|dolcn gd colcgdolcn|" |com bn ̀ cwcanlcüo gd ã|wn|/




`nbqnyd nb twcbc{ny ton ltdown lmo udy`c|m| bc`cwngm|" db lügcam `nbclcm|m om utdgd

nlldgdy n bn| lnyudwn| udy|monbd| gd mwym| t|tnycm|" cùm|cicbcwnogm n|à db nlld|m gd

ã|wd n mwym| gmlt`dowm| cùmywnowd|/

D|lycwtyn do bn lnyudwn gdb |c|wd`n

\c |d wynwn gd d|lycicy m imyyny lmowdocgm gd ton lnyudwn lyàwcln unyn db lmyydlwm

ftolcmon`cdowm gdb |c|wd`n (umy dyymy m cowdolcmongn`dowd#" bn nllcüo |d cùcgd lmo to

dyymy gd ‒Nlld|m gdodangm‐" lm`m |d `td|wyn do bn Cbt|wynlcüo >/

Cbt|wynlcüo >; Cowdowm gd d|lycwtyn do lnyudwn gdb |c|wd`n lmo ton ltdown bc`cwngn

Ftdowd; COWDLM

Co|wnbnlcüo gd to gycvdy

\c |d cowdown co|wnbny to gycvdy< (`nbclcm|m m bdaàwc`m# lmo ton ltdown bc`cwngn" |d ydlcid

to dyymy gd ‒Nlld|m gdodangm‐/ D|wm cùbcln ~td db lügcam `nbclcm|m in|ngm do gycvdy|

om utdgd cofdlwny db |c|wd`n/

<To gycvdy d| to uymayn`n cofmy`îwclm ~td udy`cwd nb |c|wd`n mudynwcvm cowdynlwtny lmo to udycfãyclm" hnlcdogm ton

ni|wynllcüo gdb hnygqnyd s uymumylcmonogm ton cowdyfn{ (um|cibd`dowd d|wnognyc{ngn# unyn t|nybm/ Vcdod n |dy to `notnbgd co|wytllcmod| ~td bd cogcln lü`m gdid lmowymbny s lm`toclny|d lmo to gc|um|cwcvm do unywcltbny/ Bn udltbcnycgng gd to

gycvdy d| ~td |d wynwn gd lügcam ~td |d dkdltwn do db lmyn{üo gdb |c|wd`n mudynwcvm/ D|wd hdlhm d|wî |cdogm nuymvdlhngmumy bm| lydngmyd| gd `nbqnyd" ~td gd|nyymbbno lügcam `nbclcm|m do fmy`n gd gycvdy| unyn lmùym`dwdy db |c|wd`n mudynwcvmdo db ocvdb `î| inkm" gd fmy`n `ts |cbdolcm|n s udbcaym|n/ Ltnb~tcdy dyymy gd uymayn`nlcüo do d|wd ocvdb gd ni|wynllcüoutdgd cùdgcy bn lnyan gdb |c|wd`n mudynwcvm/



@mgcfclnlcüo gdb ydac|wym gd Qcogmq|

Db ydac|wym gd Qcogmq| nbidyan bn lmofcatynlcüo gdb |c|wd`n mudynwcvm s gd nbatom| gd bm|

uymayn`n| co|wnbngm|/ Unyn udy|c|wcy do db |c|wd`n s lmùym`dwdy uymayn`n|" db `nbqnyd

hn gd ydnbc{ny lcdywn| `mgcfclnlcmod| do db ydac|wym/ Lmo bn twcbc{nlcüo gd to t|tnycm

bc`cwngm" `tlhn| gd d|wn| nllcmod| d|wîo gdodangn|" ydgtlcdogm gyî|wcln`dowd db

cùnlwm gdb `nbqnyd/

CV ½Lü`m nvdycatny ~tã wcum gd ltdown |d d|wî twcbc{nogm=

Bn fmy`n `î| |dolcbbn gd |nidy |c |d twcbc{n ton ltdown bc`cwngn m ng`coc|wyngmyn lmo|c|wd

do fmy{ny ton |cwtnlcüo n bn ~td |übm wdoan gdydlhm to t|tnycm ng`coc|wyngmy s vdy |c bn

nllcüo d|wî udy`cwcgn/

Bn nllcüo `î| |cùbd d| wynwny gd lnìcny bn hmyn gdb |c|wd`n/ Unyn dbbm |d hn gd `mvdy

db utowdym gdb ynwüo |miyd db ydbmk |cwtngm do bn unywd cofdycmy gdydlhn gd bn unownbbn" s lmo

db imwüo |dltognycm gdb ynwüo |dbdllcmony bn mulcüo ‒Nkt|wny fdlhn s hmyn‐ (Cbt|wynlcüo 9#/

Cbt|wynlcüo 9; Nkt|wd gd fdlhn s hmyn

Ftdowd; COWDLM

\c |d d|wî twcbc{nogm ton ltdown gd t|tnycm bc`cwngn" |d `td|wyn to ltngym gd gcîbmam lmo

db wdxwm )Om wcdod udy`c|m unyn lnìcny bn hmyn gdb |c|wd`n) (Cbt|wynlcüo <#/

Cbt|wynlcüo <; Cowdowm gd lnìcny bn fdlhn s hmyn gdb |c|wd`n lmo ton ltdown bc`cwngn

Ftdowd; COWDLM





Do lnìcm" |c |d twcbc{n ton ltdown gd ng`coc|wyngmy" |d niyd ton vdownon lmo lmowymbd|

~td udy`cwdo lnìcny bn fdlhn s bn hmyn gdb d~tcum (Cbt|wynlcüo 7#/

Cbt|wynlcüo 7; Cowdowm gd lnìcny bn fdlhn s hmyn gdb |c|wd`n lmo ton ltdown lmo uycvcbdacm|

gd ng`coc|wyngmy

Ftdowd; COWDLM

V ½Lü`m lmofcatyny bn ltdown udy|monb lm`m bc`cwngn=

Unyn lmofcatyny ton ltdown gd t|tnycm bc`cwngn hns ~td n|datyny|d gd ~td |d hn coclcngm

|d|cüo lmo to t|tnycm lmo uycvcbdacm| gd ng`coc|wyngmy/ Do bn| |catcdowd| cbt|wynlcmod| |d

`td|wyn lm`m bbdvny n lnim db uymld|m unyn lmovdywcy ton ltdown gd ng`coc|wyngmy n ton

lmo udy`c|m| ydgtlcgm|7/

Cbt|wynlcüo 4; Nlld|m nb unodb gd lmowymb gd|gd db `doû gd coclcm

Ftdowd; COWDLM

Db uyc`dy un|m lmo|c|wd do nlldgdy nb unodb gd lmowymb (Cbt|wynlcüo 4# s ton vd{ nbbà" n bn

unownbbn gd ltdown| gd t|tnycm/

7Unyn bbdvny n lnim d|wd uymld|m |d hn wm`ngm to d~tcum (do db ~td db t|tnycm |d bbn`n; Kmho Gmd# do db ~td om |d

hclcdymo `mgcfclnlcmod| wyn| bn co|wnbnlcüo gd |t |c|wd`n mudynwcvm s ltnb~tcdy t|tnycm mudyn omy`nb`dowd lm`mng`coc|wyngmy/



Cbt|wynlcüo 6; Mulcmod| gdb unodb gd lmowymb

Ftdowd; COWDLM

\dbdllcmonogm d|wn mulcüo" db t|tnycm |d doltdowyn ton unownbbn lm`m bn ~td |d `td|wyn

do bn Cbt|wynlcüo 1" do bn ltnb |d utdgdo vc|tnbc{ny bm| t|tnycm| ~td dxc|wdo do db d~tcum s

db wcum gd udyfcb n|mlcngm n lngn tom/

Cbt|wynlcüo 1; Unownbbn gd ltdown| gd t|tnycm gdb unodb gd lmowymb

Ftdowd; COWDLM

\cd`uyd gdid dxc|wcy nb `dom| to t|tnycm ‒Ng`coc|wyngmy gd d~tcum‐/ Do lmo|dltdolcn bm

~td |d gdid hnldy d| nþngcy to t|tnycm ‒Ng`coc|wyngmy gd d~tcum‐ otdvm s `mgcfclny bn

ltdown gdb t|tnycm ‒Kmho Gmd‐ n ton bc`cwngn/ Unyn dbbm hns ~td |dbdllcmony bn mulcüo

‒Lydny ton ltdown otdvn‐ |cwtngn do bn unywd |tudycmy gd bn vdownon nowdycmy ( Cbt|wynlcüo

8#/




Cbt|wynlcüo 8; Lydnlcüo gd ltdown gd ng`coc|wyngmy gd d~tcum (un|m >#

Ftdowd; COWDLM

D|wm lmogtld n ton otdvn unownbbn do bn ~td |d hn gd cogclny db omìyd gd bn otdvn

ltdown (Cbt|wynlcüo 3#/ Unyn ~td om |dn wycvcnb unyn to nwnlnowd ngcvcony db omìyd gd ton

ltdown lmo uycvcbdacm| gd ng`coc|wyngmy" |d ydlm`cdogn ~td om |d dùbdd db omìyd

‒Ng`coc|wyngmy‐ m |c`cbnyd|/

Cbt|wynlcüo 3; Lydnlcüo gd ltdown gd ng`coc|wyngmy gd d~tcum (un|m 9#

Ftdowd; COWDLM

Db |catcdowd un|m lmo|c|wd do lmofcatyny bn ltdown dfdlwcvn`dowd lm`m ‒Ng`coc|wyngmy gd

d~tcum‐ s fconbc{ny db uymld|m gd lydnlcüo (Cbt|wynlcüo >5#/

Cbt|wynlcüo >5; Lydnlcüo gd ltdown gd ng`coc|wyngmy gd d~tcum (un|m <#

Ftdowd; COWDLM




Nhmyn" lngn vd{ ~td |d nlldgn nb d~tcum" do bn unownbbn gd coclcm gd |d|cüo |d gdid

|dbdllcmony db t|tnycm bc`cwngm" wnb s lm`m `td|wyn bn Cbt|wynlcüo >7/

Cbt|wynlcüo >7; Coclcm gd |d|cüo ltnogm hns vnycn| ltdown| gd t|tnycm

Ftdowd; COWDLM

Ngd`î| gd lmofcatyny bn ltdown lm`m bc`cwngn d| ydlm`dognibd nþngcy ton lmowyn|dþn n

wmgm| bm| t|tnycm|/ Gd d|wn fmy`n |d dvcwn ~td bn| udy|mon| om ntwmyc{ngn| coclcdo |d|cüo

do db |c|wd`n mudynwcvm/ Bn lmowyn|dþn |d utdgd nþngcy fîlcb`dowd gd|gd db `doû gd

lmofcatynlcüo gd lngn ltdown (Cbt|wynlcüo >9" ‒Lydny ton lmowyn|dþn‐#/ \c om |d lydno

lmowyn|dþn| ltnb~tcdyn utdgd coclcny |d|cüo lm`m t|tnycm gdb |c|wd`n" colbtsdogm nb

‒Ng`coc|wyngmy gd d~tcum‐/

½Ltîb d| db uymibd`n uycolcunb ~td |d vn n dolmowyny db t|tnycm nb mudyny lmo ton ltdownbc`cwngn= Db t|tnycm om vn n umgdy co|wnbny uymayn`n| ~td ydnbcldo lnìcm| |miyd db

|c|wd`n s-m ~td nfdlwdo n mwym| t|tnycm| (bn `nsmyàn gdb |mfwqnyd gd hms gàn#/

VC Ng~tc|clcüo utowtnb gd uycvcbdacm| gd ng`coc|wyngmy

Dxc|wdo mulcmod| unyn ng~tcycy utowtnb`dowd uycvcbdacm| gd ng`coc|wyngmy gd lnyn n

co|wnbny to gdwdy`congm uymayn`n m ydnbc{ny ton gdwdy`congn wnydn/ \d gdwnbbno n

lmowcotnlcüo/

Lnìcm yîucgm gd t|tnycm

Unyn om wdody ~td ydcoclcny db |c|wd`n oc udygdy db lmowdxwm do db ~td |d d|wî wyninknogm

lmo bn ltdown gd t|tnycm bc`cwngm" bm `î| |dolcbbm d| ydnbc{ny to lnìcm gd t|tnycm/ Unyn

dbbm d| |tfclcdowd lmo |dbdllcmony bn mulcüo ‒ldyyny |d|cüo gd (omìyd gd t|tnycm#‐ gdb

`doû gd|ubdanibd ‒Coclcm‐/ N|à do ‒Lnìcny gd t|tnycm‐ (Cbt|wynlcüo >4# |d nlldgd n bn

mulcüo gd lnìcm n bn ltdown gd ng`coc|wyngmy/ Unyn vmbvdy n bn ltdown bc`cwngn |d |catd

db `c|`m uymld|m/

‒Ltdown gd ng`coc|wyngmy v|/ ltdown bc`cwngn‐ Uîacon >5 gd >6 Mi|dyvnwmycm gd bn \datycgng gd bn Cofmy`nlcüo



Cbt|wynlcüo >4; Ln`icm yîucgm gd t|tnycm

Ftdowd; COWDLM

\c db uymayn`n ~td |d d|wî co|wnbnogm uydatown |c |d gd|dn co|wnbny gd wnb fmy`n ~td d|wã

gc|umocibd unyn wmgm| bm| t|tnycm| |d hn gd gdlcy ~td |à/ Gd bm lmowynycm" om |dyî vc|cibd

gd|gd bn ltdown bc`cwngn/

Mulcüo ‒Dkdltwny lm`m‐

Unyn co|wnbny to uymayn`n gd|gd ton ltdown bc`cwngn |d utdgd |dbdllcmony db dkdltwnibd"

s utb|ny db imwüo |dltognycm gdb ynwüo/ Dowyd bn| mulcmod| gc|umocibd|" |d vc|tnbc{n ton

otdvn gdom`congn ‒Dkdltwny lm`m‐" ~td udy`cwd dkdltwny to uymayn`n lm`m to t|tnycm

gc|wcowm nb gd bn ltdown ~td |d d|wî twcbc{nogm/

\d |dbdllcmon dkdltwny lm`m ‒Db |catcdowd t|tnycm‐" |d cowymgtldo bm| gnwm| gd bn ltdown

gd ng`coc|wyngmy" s db uymayn`n d| co|wnbngm lm`m |c bm d|wtvcdyn hnlcdogm db

ng`coc|wyngmy/

Cbt|wynlcüo >6; Dkdltwny lm`m

Ftdowd; COWDLM

Dkdltlcüo gd|gd bn lmo|mbn gdb |c|wd`n

Bn ûbwc`n mulcüo (~tc{î bn `î| lm`ubdkn# lmo|c|wd do dkdltwny bn nubclnlcüo gd|dngn

gd|gd bn lmo|mbn lmo bm| uycvcbdacm| gdb t|tnycm ng`coc|wyngmy/ Unyn dbbm |d twcbc{n bn

hdyyn`cdown gdb |c|wd`n mudynwcvm YtoN|/dxd (lm`m db lm`nogm |t do Bcotx#/

‒Ltdown gd ng`coc|wyngmy v|/ ltdown bc`cwngn‐ Uîacon >> gd >6 Mi|dyvnwmycm gd bn \datycgng gd bn Cofmy`nlcüo




\d hn gd niycy db |àìmbm gdb |c|wd`n (Coclcm ? Uymayn`n| ? Nlld|mycm| ? \àìmbm gdb

\c|wd`n# s nbbà |d wdlbdn bm |catcdowd;

yton| -t|dy;omìyd]gd]t|tnycm]ng`coc|wyngmy )ytwn]lmùbdwn]n]fclhdym )

YtoN|/dxd |mbclcwn bn lmowyn|dþn gdb t|tnycm ng`coc|wyngmy unyn umgdy bbdvny n lnim bn

nubclnlcüo gd|dngn/

VCC Lmùyminlcüo gd bm| idodfclcm| gd bn ltdown bc`cwngn

Unyn `m|wyny nb bdlwmy gd `nodyn uyîlwcln bn| cùbclnlcmod| um|cwcvn| gdb t|m gdb d~tcum

lmo udy`c|m| bc`cwngm|" |d hn uymldgcgm n cofdlwny ton `î~tcon ydnb lmo to dkdùbny gd

lügcam `nbclcm|m/ Bn cofdllcüo |d bbdvn n lnim do ton ltdown lmo udy`c|m| gd

ng`coc|wyngmy s do ton ltdown bc`cwngn lmo db fco gd gd`m|wyny bm| dfdlwm| do nìm|ln|m|/ N lmowcotnlcüo |d gd|lycido bn| lmo|dltdolcn|/

Cgdowcfclnlcüo gdb dkdùbny `nbclcm|m dùbdngm do bn uytdin gd lmolduwm

Db fclhdym gd lügcam `nbclcm|m dbdacgm d| gdwdlwngm umy bm| gc|wcowm| nowcvcyt| ~td |d

dùbdno do bn hdyyn`cdown c\lno4 gd bn |catcdowd `nodyn;

Cbt|wynlcüo >1; Gdwdllcmod| nowcvcyt| gdb lügcam `nbclcm|m t|ngm do gd bn gd`m|wynlcüo

Ftdowd; COWDLM

4Umwdowd hdyyn`cdown gd|nyymbbngn umy COWDLM ~td nonbc{n bm| |c|wd`n| s mfydld cofmy`nlcüo dùàycln |miyd bn|

hdyyn`cdown| co|wnbngn|" db ocvdb gd nlwtnbc{nlcüo gd bm| |c|wd`n|" s db ayngm gd cofdllcüo gd bm| d~tcum|/



\d wynwn gd to wymsnom inolnycm ~td it|ln `mgcfclny db nylhcvm hm|w| gdb |c|wd`n unyn

gcycacy bn| vc|cwn| n bn| uîacon| gd lcdywm| inolm| n to |dyvcgmy `nbclcm|m" ydnbc{nogm ton

yãubcln fnb|n gdb d|unlcm gd inoln dbdlwyüocln gd lngn dowcgng/ Lnuwtyn bn| lydgdolcnbd|

gd inoln dbdlwyüocln gd bn vàlwc`n unyn btdam coclcny |d|cüo do bn uîacon bdaàwc`n gdb

inolm s hnldy wyno|fdydolcn| n ltdown| ydbnlcmongn| lmo db nwnlnowd/

Db nylhcvm hm|w| gd to mygdongmy d|" do |t mycado" to vd|wcacm gd bm| wcdùm| do ~td |übm

hniàn tom| umlm| gm`cocm| s |d dovcnin bn bc|wn lmo wmgm| dbbm| s |t| yd|udlwcvn| CU| do

to nylhcvm bbn`ngm hm|w| / Do bn nlwtnbcgng" wmgn| bn| udwclcmod| |d ydnbc{no n |dyvcgmyd|

GO\ (to |c|wd`n gc|wycitcgm gd |dyvcgmyd| gd omìyd|#/ Om mi|wnowd" bm| |c|wd`n|

mudynwcvm| nlwtnbd| `nowcdodo d|wd nylhcvm" gd `mgm ~td d| um|cibd `mgcfclny n `nom n

~tã gcydllcüo CU gdido yd|mbvdy gdwdy`congm| gm`cocm|/

Ltnogm wdlbdn`m| to gm`cocm do db onvdangmy" bm uyc`dym ~td hnld db mygdongmy d|

lmùyminy |c sn wdod`m| cofmy`nlcüo gdb `c|`m do db nylhcvm hm|w| / Do ln|m odanwcvm"

lmùytdin |c |d ucgcü hnld umlm s bm wcdod do bn lnlhã/ Gd om hnidybm hdlhm" bm |mbclcwn n

|t |dyvcgmy GO\ unyn ~td bd lm`toc~td bn CU gd d|d gm`cocm/ Btdam bn atnygn do bn

lnlhã unyn ftwtyn| lmo|tbwn|/ D|wn lnlhã |d vnlàn nb umlm wcdùm (nb ydcoclcny db d~tcum"

dwl/# Do lnìcm" bm| gnwm| gdb nylhcvm hm|w| |mo udy`nodowd|" umy bm ~td |d utdgd

`mgcfclny nutownogm n bn| gcydllcmod| `î| twcbc{ngn| unyn anony wcdùm (`cbc|datogm|#

do qdi| gd nlld|m fydltdowd/ D|wm hn |cgm nuymvdlhngm umy bm| lcidygdbcoltdowd|" ~td

doltdowyno wycvcnb bn lydnlcüo gd to wymsnom ~td `mgcfc~td db nylhcvm hm|w| bmlnb gdb|c|wd`n cofdlwngm unyn fmy{ny bn ydgcydllcüo n ton uîacon fyntgtbdown ltnogm |d vc|cwn bn

uîacon qdi gd to inolm/

Db nylhcvm hm|w| gd Qcogmq| XU |d doltdowyn do bn ytwn;

L;RQCOGMQ\R|s|wd`<9Rgycvdy|RdwlRhm|w|

Db lmowdocgm gd d|wd fclhdym do to |c|wd`n vcyado d| db |catcdowd;

Cbt|wynlcüo >8; Fclhdym hm|w| gd to |c|wd`n vcyado

Ftdowd; COWDLM

‒Ltdown gd ng`coc|wyngmy v|/ ltdown bc`cwngn‐ Uîacon >< gd >6 Mi|dyvnwmycm gd bn \datycgng gd bn Cofmy`nlcüo




Db bdlwmy utdgd nuydlcny ~td wno |übm |d cogcln to omìyd" bmlnbhm|w " ~td nutown n bn

gcydllcüo CU >91/5/5>" db itlbd bmlnb ~td cgdowcfcln bn uymucn `î~tcon/

D|wd wymsnom bm ~td hnld d| `mgcfclny db fclhdym hm|w| unyn nþngcy bn| |catcdowd|

dowyngn|6;

• XXX/9<1/974/48 inolm>/lm`

• XXX/9<1/974/48 inolm9/lm`/ud

• XXX/9<1/974/48 inolm</lm`/ud

Bn| dowyngn| |d nþngdo udycügcln`dowd/ Gd d|wn fmy`n" |c to t|tnycm bn| gdwdlwn s bn|

imyyn" |d vtdbvdo n d|lycicy/ Db dfdlwm gd d|wd lnìcm d| ~td nb wynwny gd vc|cwny bn uîacon

gd" umy dkdùbm" ‒inolm>/lm`‐" bn vàlwc`n d| gcycacgn nb |dyvcgmy ~td yd|umogd n bn

gcydllcüo CU ‒XXX/9<1/974/48‐/ Gclhm |dyvcgmy d| `nbclcm|m s yd|umogd lmo ton c`cwnlcüo

gd bn uîacon gdb inolm nb |dy lmownlwngm" n|à" wmgm| bm| gnwm| cowymgtlcgm| do d|n uîacon

|mo lnuwtyngm|/

Ngd`î| gd d|wd lnìcm" db wymsnom wnìcão |d lmucn lmo db omìyd |vhm|w||/dxd do bn

ytwn;

L;RQCOGMQ\R|s|wd`R

Wyn| lmucny|d" db wymsnom naydan db vnbmy `nbqnyd 0 |vhm|w||/dxd n bn |catcdowd lbnvd gdb

Ydac|wym gd Qcogmq|;

HJB@R\mfwqnydR@clym|mfwRQcogmq|RLtyydowVdy|cmoRYto

D|wn `mgcfclnlcüo ftdy{n bn dkdltlcüo ntwm`îwcln gdb d|uãlc`do do lngn ydcoclcm gdb

|c|wd`n" gd wnb fmy`n ~td db d~tcum udy`nodld wymsnoc{ngm nto~td |d ydcoclcd m nunatd/

Dkdltlcüo gdb wymsnom do ton ltdown bc`cwngn

Ltnogm |d bno{n db wymsnom (omìyngm `nbqnyd/dxd unyn bn uytdin# do ton ltdown lmo

udy`c|m| bc`cwngm|" ã|wd |d dkdltwn s udy`nodld lmyycdogm do `d`mycn" wnb s lm`m

`td|wyn db bc|wngm gd uymld|m| gd bn Cbt|wynlcüo >3/ Oüwd|d do gclhm bc|wngm ~td db

dkdùbny `nbclcm|m hn fckngm |t gd|lyculcüo n ‒Qcogmq| @dgcn Ubnsdy‐ s d|wî dùbdnogm

db clmom gd ton lî`nyn unyn ~td db t|tnycm om |m|udlhd ~td |d wynwn gd lügcam

`nbclcm|m/

6\d hn m`cwcgm db uyc`dy iswd “ uyc`dyn| wyd| lcfyn| “ gd bn gcydllcüo CU s |d hno wyno|fmy`ngm bm| omìyd| gd gm`cocm unynlmo|dyvny bn uycvnlcgng gd bm| inolm| cùbclngm|



Cbt|wynlcüo >3; Uymld|m| do dkdltlcüo do db |c|wd`n wyn| bno{ny db wymsnom

Ftdowd; COWDLM

½Ltîb d| bn vdownkn gd ~td db wymsnom |d hnsn dkdltwngm do ton ltdown lmo udy`c|m|

bc`cwngm|= Db wymsnom |d hn dkdltwngm" udym om hn umgcgm ydnbc{ny wmgn| bn| nllcmod|

`nbclcm|n| unyn bn| ~td d|wnin uymayn`ngm/ Db d|uãlc`do om hn umgcgm lmucny|d do bn

ytwn L;RQCOGMQ\R|s|wd`R |vhm|w||/dxd s wnùmlm hn umgcgm `mgcfclny db ydac|wym unyn

wymsnoc{ny db |c|wd`n wyn| lngn ydcoclcm/ Do db `m`dowm do ~td |d ydcoclcd db d~tcum db

dkdùbny gdkn gd d|wny dkdltwîogm|d do `d`mycn s db udbcaym d| otbm/ Ngclcmonb`dowd" db

wymsnom wnùmlm hn umgcgm lnìcny db fclhdym hm|w| gdb |c|wd`n" lmo bm ltnb om utdgd

lm`dwdy fyntgd inolnycm/

Hns ~td |dþnbny ~td hniyî lcdywm| wymsnom| ltsn| nllcmod| |à utdgno |dy ydnbc{ngn| doton ltdown bc`cwngn/ D| db ln|m gd bm| dkdùbnyd| ~td |d bc`cwno n imyyny bm| gmlt`dowm|

gdb uymucm d|unlcm gdb t|tnycm (gd ‒@c| Gmlt`dowm|‐ umy dkdùbm#

Dkdltlcüo gdb wymsnom do ton ltdown lmo uycvcbdacm| gd ng`coc|wyngmy

Bn dkdltlcüo gdb wymsnom do ton ltdown lmo uycvcbdacm| gd ng`coc|wyngmy wcdod

lmo|dltdolcn| `î| aynvd|/ Gd|utã| gd |dy bno{ngm" db wymsnom udy`nodld do dkdltlcüo

do `d`mycn lm`m do db ln|m nowdycmy/ Do d|wn mln|cüo |à bmayn lmucny|d n bn ytwn gd|gd bn

~td d| dkdltwngm do lngn coclcm gdb |c|wd`n;

Cbt|wynlcüo 95; Lmucn gdb wymsnom unyn |dy dkdltwngm wyn| lngn ydcoclcm

Ftdowd; COWDLM




‒L w g g c c w g w bc cw g ‐ Uî c >6 g >6

Gd catnb fmy`n" db wymsnom lmo|catd `mgcfclny db ydac|wym gd Qcogmq| unyn ~td |d dkdltwd

do lngn ydcoclcm/ Umy ûbwc`m" db fclhdym hm|w| wnìcão d| `mgcfclngm unyn gcycacy n bm|

t|tnycm| gd lcdywm| inolm| n ubnwnfmy`n| `nbclcm|n|;

Cbt|wynlcüo 9>; Nylhcvm hm|w| `mgcfclngm umy db wymsnom do ton ltdown lmo uycvcbdacm| gd

ng`coc|wyngmy

Ftdowd; COWDLM

Wmgn vàlwc`n ~td vc|cwd ‒qqq/inolm>/lm`‐ d| gcycacgm n ton uîacon fnb|n s nb wynwny gd

coclcny |d|cüo do d|n uîacon fnb|n |t| lydgdolcnbd| |mo lnuwtyngn| s dùbdngn| unyn

ydnbc{ny wyno|fdydolcn| gd|gd |t ltdown |co |t lmo|dowc`cdowm/

VCCC Lmolbt|cmod|

Db uymld|m dxutd|wm do d|wd nywàltbm om d| to |c|wd`n cofnbcibd gd uymwdllcüo unyn db

t|tnycm |com ton `nodyn gd nlmwny db cùnlwm ~td utdgn mln|cmony ton colcgdolcn gd

|datycgng/ Om mi|wnowd" |c om |d d| lntwm s |d caomyno d|wn| ud~tdþn| gcydlwycld| gd|datycgng" db lügcam `nbclcm|m utdgd yd|cgcy do db d|unlcm gd t|tnycm" `mgcfclny |t|

lbnvd| gdb ydac|wym s nlldgdy n |t| gnwm|/

Dowdogdy bn| cùbclnlcmod| gd bn| ltdown| bc`cwngn| s twcbc{nybn| gd fmy`n hnicwtnb utdgd

|tumody to cùmywnowd idodfclcm do wãy`com| gd |datycgng/

Nto n|à" om |d gdid lndy do db dyymy gd bn fnb|n |do|nlcüo gd |datycgng s ngmuwny hîicwm|

umlm uytgdowd| umy db |cùbd hdlhm gd d|wny mudynogm lmo ton ltdown bc`cwngn/ Bn

ltdown bc`cwngn gdid |dy ûocln`dowd to bngycbbm `î| do db d|~td`n `tbwclnun gd

|datycgng/ N|à" d|wn `dgcgn hn gd lmùbd`downy" s om |t|wcwtcy" db t|m gd mwyn|

hdyyn`cdown| lm`m nowcvcyt|" lmywnftdam|" dwl/

Dxc|wdo unyn`dwyc{nlcmod| `î| nvno{ngn| ~td |d utdgdo ydnbc{ny |miyd ton

gdwdy`congn ltdown unyn yd|wycoacy nto `î| bm| udy`c|m| s bm| wcum| gd nllcmod| lmo db fco

gd `cwcany db cùnlwm gdb `nbqnyd/ Do ftwtym| nywàltbm|" gdudogcdogm gd bn udodwynlcüo gd

Qcogmq| Vc|wn s gdb otdvm |c|wd`n mudynwcvm gd @clym|mfw" Qcogmq| 1" ~tc{î |dn

cowdyd|nowd |datcy colcgcdogm do bn |datycgng gd Qcogmq| XU s dxubmyny d|wn| mulcmod|

gd lmofcatynlcüo nvno{ngn|/

cuenta administrador vs cuenta limitada

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