{"id":4519,"date":"2026-07-15T10:14:53","date_gmt":"2026-07-15T10:14:53","guid":{"rendered":"https:\/\/tech-bgl.ru\/?p=4519"},"modified":"2026-08-04T11:50:47","modified_gmt":"2026-08-04T11:50:47","slug":"%d1%84%d0%b8%d0%bd%d0%b0%d0%bd%d1%81%d0%be%d0%b2%d1%8b%d0%b9-%d1%83%d0%bf%d0%be%d0%bb%d0%bd%d0%be%d0%bc%d0%be%d1%87%d0%b5%d0%bd%d0%bd%d1%8b%d0%b9","status":"publish","type":"post","link":"http:\/\/tech-bgl.ru\/?p=4519","title":{"rendered":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u0439"},"content":{"rendered":"\n<p><strong><u>\u041a\u0442\u043e \u0442\u0430\u043a\u043e\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u0439 \u0438 \u043a\u0430\u043a \u043e\u043d \u0441\u043c\u043e\u0436\u0435\u0442 \u0432\u0430\u043c \u043f\u043e\u043c\u043e\u0447\u044c?<\/u><\/strong><strong><u><\/u><\/strong><\/p>\n\n\n\n<p>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u0439 \u0440\u0435\u0448\u0430\u0435\u0442 \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435) \u0441\u043f\u043e\u0440\u044b \u0431\u0435\u0437 \u0441\u0443\u0434\u0430 \u043c\u0435\u0436\u0434\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c\u0438 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f\u043c\u0438 \u0438 \u0438\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c\u0438 \u2013 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u043c\u0438 \u043b\u0438\u0446\u0430\u043c\u0438.<\/p>\n\n\n\n<p>\u042d\u0442\u043e \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043f\u043e\u0440\u044f\u0434\u043e\u043a \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0441\u043f\u043e\u0440\u043e\u0432 \u043f\u043e \u0437\u0430\u043a\u043e\u043d\u0443. \u041d\u0435 \u043d\u0443\u0436\u043d\u043e \u0442\u0435\u0440\u044f\u0442\u044c \u0432\u0440\u0435\u043c\u044f \u0438 \u0434\u0435\u043d\u044c\u0433\u0438 \u043d\u0430 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u0438\u0437\u044b \u0438 \u044e\u0440\u0438\u0441\u0442\u043e\u0432. \u0412\u0441\u044f \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u0430 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0430\u044f: \u043e\u0442 \u043f\u0440\u0438\u0435\u043c\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0434\u043e \u043f\u0440\u0438\u043d\u044f\u0442\u0438\u044f \u0440\u0435\u0448\u0435\u043d\u0438\u044f.<\/p>\n\n\n\n<p>\u0412\u0430\u0448\u0438 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u0439 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442 15 \u0440\u0430\u0431\u043e\u0447\u0438\u0445 \u0434\u043d\u0435\u0439 (\u043f\u043e \u0441\u043f\u043e\u0440\u0430\u043c, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u043c \u0441 \u043d\u0435\u043f\u0440\u0430\u0432\u043e\u043c\u0435\u0440\u043d\u044b\u043c \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u043c \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u0439, \u2013 20 \u0440\u0430\u0431\u043e\u0447\u0438\u0445 \u0434\u043d\u0435\u0439) \u2013 \u0431\u0435\u0437 \u0432\u0430\u0448\u0435\u0433\u043e \u0432\u0438\u0437\u0438\u0442\u0430. \u041d\u0438\u043a\u0443\u0434\u0430 \u043d\u0435 \u043d\u0443\u0436\u043d\u043e \u0445\u043e\u0434\u0438\u0442\u044c.<\/p>\n\n\n\n<p>\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0434\u043b\u044f \u0438\u0441\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0435\u0439.<\/p>\n\n\n\n<p>\u0412\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u043f\u043e\u0434\u0430\u0442\u044c \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u0432 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u0438 <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-so-strahovoj-organizatsiej-primery-trebovanij253-kb.html\">\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438<\/a>, <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-s-kreditnoj-organizatsiej253-kb.html\">\u0431\u0430\u043d\u043a\u0430<\/a>, <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-s-mikrofinansovoj-organizatsiej253-kb.html\">\u043c\u0438\u043a\u0440\u043e\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438<\/a>, <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-s-negosudarstvennym-pensionnym-fondom-npf253-kb.html\">\u043d\u0435\u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0444\u043e\u043d\u0434\u0430<\/a>, <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-s-lombardom253-kb.html\">\u043b\u043e\u043c\u0431\u0430\u0440\u0434\u0430<\/a> \u0438 <a href=\"https:\/\/finombudsman.ru\/kb\/spory-podlezhashchie-rassmotreniyu-finansovym-upolnomochennym\/spor-s-kreditnym-potrebitelskim-kooperativom253-kb.html\">\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u0430<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/finombudsman.ru\/podlezhit-li-spor-rassmotreniyu-finansovym-upolnomochennym\/\">\u041f\u0440\u043e\u0432\u0435\u0440\u044c\u0442\u0435 \u0441\u0432\u043e\u0439 \u0441\u043f\u043e\u0440 \u043d\u0430 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u043c \u0441\u0430\u0439\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u043e\u0433\u043e finombudsman.ru<\/a>: \u043f\u043e\u0434\u043b\u0435\u0436\u0438\u0442 \u043b\u0438 \u043e\u043d \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u044e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u043c? \u042d\u0442\u043e \u043c\u043e\u0436\u043d\u043e \u0441\u0434\u0435\u043b\u0430\u0442\u044c, \u043e\u0442\u0432\u0435\u0442\u0438\u0432 \u0432\u0441\u0435\u0433\u043e \u043d\u0430 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u0440\u043e\u0441\u0442\u044b\u0445 \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u0432.<\/p>\n\n\n\n<p>\u041f\u0435\u0440\u0435\u0434 \u043f\u043e\u0434\u0430\u0447\u0435\u0439 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u043c\u0443 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u043e\u043c\u0443 \u2013 <a href=\"https:\/\/finombudsman.ru\/kb\/kak-podat-obrashchenie-finansovomu-upolnomochennomu\/poryadok-napravleniya-zayavleniya-v-finansovuyu-organizatsiyu255-kb.html\">\u043d\u0430\u043f\u0440\u0430\u0432\u044c\u0442\u0435 \u0437\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0435 \u043e \u0432\u043e\u0441\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0438 \u043d\u0430\u0440\u0443\u0448\u0435\u043d\u043d\u043e\u0433\u043e \u043f\u0440\u0430\u0432\u0430 (\u043f\u0440\u0435\u0442\u0435\u043d\u0437\u0438\u044e) \u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044e<\/a>, \u0441 \u043a\u043e\u0442\u043e\u0440\u043e\u0439 \u0443 \u0432\u0430\u0441 \u0432\u043e\u0437\u043d\u0438\u043a \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0439) \u0441\u043f\u043e\u0440.<\/p>\n\n\n\n<p>\u0415\u0441\u043b\u0438 \u0441\u043f\u043e\u0440 \u0441 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0435\u0439 \u043d\u0435 \u0443\u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d \u2013 <a href=\"https:\/\/finombudsman.ru\/lk\/login\">\u043f\u043e\u0434\u0430\u0439\u0442\u0435 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u043c\u0443 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u043e\u043c\u0443 \u043d\u0430 \u0435\u0433\u043e \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u043c \u0441\u0430\u0439\u0442\u0435<\/a> \u0438\u043b\u0438 \u0447\u0435\u0440\u0435\u0437 <a href=\"https:\/\/mfc63.samregion.ru\/\">\u041c\u0424\u0426 \u0421\u0430\u043c\u0430\u0440\u0441\u043a\u043e\u0439 \u043e\u0431\u043b\u0430\u0441\u0442\u0438<\/a>.<\/p>\n\n\n\n<p>\u0411\u043e\u043b\u0435\u0435 \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u0443\u044e \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c <a href=\"https:\/\/finombudsman.ru\/kb\/\">\u0437\u0434\u0435\u0441\u044c<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-constrained\"><div class=\"wp-block-group__inner-container\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-1024x1024.jpg\" alt=\"\" class=\"wp-image-4522\" width=\"512\" height=\"512\" srcset=\"http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-1024x1024.jpg 1024w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-300x300.jpg 300w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-150x150.jpg 150w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-768x768.jpg 768w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2-1536x1536.jpg 1536w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04301-2.jpg 1680w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-1024x1024.jpg\" alt=\"\" class=\"wp-image-4523\" width=\"512\" height=\"512\" srcset=\"http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-1024x1024.jpg 1024w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-300x300.jpg 300w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-150x150.jpg 150w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-768x768.jpg 768w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1-1536x1536.jpg 1536w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04302-1.jpg 1680w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-3\">\n<div class=\"wp-block-column is-layout-flow\" style=\"flex-basis:100%\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-1024x1024.jpg\" alt=\"\" class=\"wp-image-4524\" width=\"512\" height=\"512\" srcset=\"http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-1024x1024.jpg 1024w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-300x300.jpg 300w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-150x150.jpg 150w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-768x768.jpg 768w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303-1536x1536.jpg 1536w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04303.jpg 1680w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><\/div><\/div>\n<\/div>\n\n\n<div 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http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04306-1536x1536.jpg 1536w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04306.jpg 1680w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-1024x1024.jpg\" alt=\"\" class=\"wp-image-4528\" width=\"512\" height=\"512\" srcset=\"http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-1024x1024.jpg 1024w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-300x300.jpg 300w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-150x150.jpg 150w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-768x768.jpg 768w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307-1536x1536.jpg 1536w, http:\/\/tech-bgl.ru\/wp-content\/uploads\/\u041a\u0430\u0440\u0442\u043e\u0447\u043a\u04307.jpg 1680w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n\n<p class=\"has-light-green-cyan-background-color has-background\" style=\"font-size:16px\"><strong><a href=\"https:\/\/drive.google.com\/file\/d\/1nDyA3VNCGzLk_fkUHptvLBaytnqAOxKD\/view?usp=sharing\">\u041b\u0438\u0441\u0442\u043e\u0432\u043a\u0430 &#171;\u0420\u0415\u0428\u0415\u041d\u0418\u0415 \u0421\u041f\u041e\u0420\u0410 \u0411\u0415\u0417 \u0421\u0423\u0414\u0410 \u043c\u0435\u0436\u0434\u0443 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f\u043c\u0438 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c\u0438 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