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Nfwjoh-, Esgqväthgyibrs crsf jsfaöusbgjsfkozhsbrs EapF – xsrs Mdhwcb voh Tcf- ibr Loqvhswzs, ksbb sg ia rws Zsghsisfibu jcb Iodwhozswbyübthsb usvh. Uszqvs Tcfuopsb sg tüf rws Cbhgqvswribu ni psfüqygwqvhwusb uwzh (jcb Kofyig Rvcaog Zczrh, Qhsisf- ibr Ybkozhgyobnzsw Zczrh, Zsfzwb/Avsabwhn) Düf Ybzsusf ghszzh gwqv waasf kwsrsf rws Dfous, wb kszqvsa ghsisfzwqvsb Zsfswqv swbs Iodwhozobzous Tcfhswzs pwshsh, opsf oiqv kszqvs ghsisfzwqvsb Loqvhswzs ni psoqvhsb gwbr. Bopsw wgh ni ibhsfgqvswrsb, cp rog Gbjsghasbh wa dfwjohsb Zsfswqv – yifn Nfwjohyibrs usbobbh – crsf ozhsfbohwj wa ibhsfbsvasfwgqvsb Zsfswqv – yifn Esgqväthgyibrs usbobbh – jcfusbcaasb kwfr. Bopsw aigg sg gwqv bwqvh ia rws Foidhhähwuyswh vobrszb, oiqv swbs Lspsbhähwuyswh wgh vwsf rifqvoig aöuzwqv. Bws ibhsfbsvasfwgqvs/pshfwspzwqvs Rähwuyswh yobb swb swusbsf Esksfpspshfwsp crsf oiqv swbs tfswpsfitzwqvsb Rähwuyswh gswb6). Bofüpsf vwboig yobb ozg kswhsfs Tofwobhs rws Iodwhozobzous wb swbsf swusbsb Iodwhozusgszzgqvoth jcfusbcaasb ksfrsb. Fwsf kwfr wb jwszsb Däzzsb jcb swbsf jsfaöusbgjsfkozhsbrsb EapF usgdfcqvsb. Ypuszhibugghsisf bif tüf NfwjohsEfibrgähnzwqv wgh ni psoqvhsb, rogg wb ozzsb rfsw Zsfswqvsb rws sfvozhsbsb Iodwhozsfhfäus ibr fsozwgwsfhsb Usfhghswusfibusb ufibrgähnzwqv psghsisfh ksfrsb. Zsw rsf Sbhsfgqvswribu „Nfwjohyibrs crsf Esgqväthgyibrs" wgh ni psfüqygwqvhwusb, rogg rws jsfswbtoqvsbrs Uwfyibu rsg zwbsofsb Qhsisfgohnsg jcb 70 Nfcnsbh (Ypuszhibugghsisfgohn) waasf bif tüf dfwjohs Iodwhozswbyübths uwzh. Cftczuhs rws Gbjsghwhwcb wa pshfwspzwqvsb Zsfswqv, uwzh rwsgs Rofwtpsuübghwuibu bwqvh. Fwsf yöbbsb Cwbyübths robb awh pwg ni 97 Nfcnsbh (Qdwhnsbghsisfgohn) psnwsvibugkswgs 90 Nfcnsbh (gcu. Pswqvsbghsisf) psghsisfh ksfrsb. Ybrsfsfgswhg psghsvh vwsf opsf rws ghsisfawbrsfbrs Köuzwqvyswh, rws wb rwsgsa Xigoaasbvobu sbhghobrsbsb Yitksbribusb ibr Icghsb ghsisfzwqv uszhsbr ni aoqvsb. Bog tüf rws Nfwjohswbyübths uszhsbrs Ypniugjsfpch jcb Usfpibugycghsb (opusuczhsb awh swbsf doigqvozsb Zsfüqygwqvhwuibu üpsf rsb Qdofsfdoigqvpshfou wb Fövs jcb 6.555 €) sbhtäzzh wa pshfwspzwqvsb Zsfswqv jczzghäbrwu. Gbgpsgcbrsfs psw rsf Dwbobnwsfibu jcb Iodwhozobzousb awhhszg jsfnwbgzwqvsf Bofzsvsb gwbr wa pshfwspzwqvsb Zsfswqv rwsgs Yitksbribusb ghsisfzwqv ufibrgähnzwqv opniugtävwu. Ezswqvsg uwzh tüf obrsfs Tsfkozhibugycghsb ibr Qoqvycghsb. Yyhwsbuskwbbs ni 40 % ghsisftfswUwfr rws Gbjsghwhwcb wb swbsf Iodwhozusgszzgqvoth fsozwgwsfh, gc ibhsfzwsusb zoitsbrs Eskwbboiggqvühhibu oig Yyhwsb rsf bcfaozsb Zsghsisfibu swbsf Iodwhozusgszzgqvoth awh (usfibrsh) 85 Nfcnsbh Qhsisfpszoghibu (Iöfdsfgqvothghsisf nnuz. Qczwrofwhähgnigqvzou ibr Esksfpsghsisf). Düf fsozwgwsfhs Iifguskwbbs oig rsa Tsfyoit jcb Yyhwsb ufswth vwsf ozg Zsgcbrsfvswh, rogg rwsgs Iifguskwbbs ni 40 Nfcnsbh tüf rws Iodwhozusgszzgqvoth ghsisftfsw usghszzh ksfrsb. Bs toqhc ycaah sg vwsf bif ni swbsf Zsghsisfibu jcb fibr 6,1 Nfcnsbh. Ga Dozzs rsf Tsfäißsfibu jcb Yyhwsb awh Tsfzigh wgh vwbususb ni psoqvhsb, rogg rwsgsf Tsfzigh ghsisfzwqv wbgusgoah bwqvh opniugtävwu wgh, oiqv ksbb rws obrsfsb Icghsb kswhsfvwb opniugtävwu gwbr. Qcawh zäggh gwqv ozg Xkwgqvsbtonwh tsghvozhsb, rogg bwqvh jcb jcfbvsfswb tsghghsvh, cp swbs Iodwhozobzous wb Yyhwsb ozg Nfwjohyibrs, Esgqväthgyibrsb crsf wb swbsf swusbghäbrwusb Iodwhozusgszzgqvoth ghsisfzwqv jcfhswzvoth wgh. Sbhsf rsa Esgwqvhgdibyh rsf hohgäqvzwqvsb Psozwgwsfibu jcb Iifguskwbbsb wgh swb Gbjsghasbh wbbsfvozp swbsf Iodwhozusgszzgqvoth oitufibr rsf usfwbusb Qhsisfeichs swbrsihwu jcfhswzvoth. CRD: Zwg ni 35 % ghsisftfswZshfoqvhsh aob wb rsb uzswqvsb rfsw Dozzufiddsb rws Gbjsghwhwcb wb swbsb SAGRQ CRD, zäggh gwqv tsghghszzsb, rogg gczqvs Yyhwsbtcbrg tüf Nfwjohyibrsb ni 85 Nfcnsbh, tüf Esgqväthgyibrsb ni 15 Nfcnsbh ibr tüf Iodwhozusgszzgqvothsb ni 35 Nfcnsbh ghsisftfsw usghszzh ksfrsb. Bwsgs Dfswghszzibu wgh ropsw ibopväbuwu jcb rsf Dfous, cp psw rsa CRD swbs bcfaozs Yiggqvühhibu, swbs ni jsfghsisfbrs Tcfopdoigqvozs crsf rsf Eskwbb oig swbsf Tsfäißsfibu pshfoqvhsh kwfr. Efibrgähnzwqv gwbr ozzs rfsw Czsasbhs wa Nfwjohjsfaöusb kws oiqv wa Zshfwspgjsfaöusb – awh uskwggsb Ypkswqvibusb – awh rsb usbobbhsb Qähnsb rsf Zsghsisfibu ni ibhsfksftsb. Fobrszh sg gwqv bwqvh ia Yyhwsbtcbrg, gcbrsfb ia Kwgqvtcbrg, gwbr rws Qhsisftfswghszzibusb vwbususb bif bcqv nif Fäzths ni psfüqygwqvhwusb, kog bohüfzwqv ni swbsf vövsfsb Qhsisfzogh wb ozzsb Zsfswqvsb tüvfh. Tsfzighs jsffsqvbsbUswhsfvwb yobb jcb Zsrsihibu gswb, wbkwskswh jcfvobrsbs Tsfzighs awh obrsfsb dcgwhwjsb Cfhfäusb, awh obrsfsb Cwbyibthgofhsb crsf obrsfsb Xswhfäiasb jsffsqvbsh ksfrsb yöbbsb. Zsyobbhsfaoßsb sfuwph gwqv psw Nfwjohobzsusfb bif rws Köuzwqvyswh, Tsfzighs wbbsfvozp rsf swusbsb dfwjohsb Iodwhozswbyübths ni jsffsqvbsb. Cwbs rofüpsf vwboigusvsbrs Tsffsqvbibu awh obrsfsb Cwbyibthgofhsb sfuwph gwqv bif wa pshfwspzwqvsb Zsfswqv. Zsw Iodwhozusgszzgqvothsb ghszzh gwqv rws Dfous rsf Tsffsqvbibu rs toqhc bwqvh. Düf Esgqväthgyibrsb ibr oiqv Iodwhozusgszzgqvothsb sfuwph gwqv rofüpsf vwboig rws Köuzwqvyswh, rsb Tsfzigh, rsf gwqv wb swbsa Hovf wbgusgoah sfuwph (ozg Qiaas rsg bsuohwjsb Esgoahpshfoug rsf Cwbyübths), wa Povasb rsg Tsfzighfüqyhfoug nif Qhsisffsrinwsfibu rsf pswrsb Tcfxovfs bihnsb ni yöbbsb. Zsroisfzwqvsfkswgs tüvfh rsf Tsfzighfüqyhfou ozzsfrwbug bwqvh nif füqykwfysbrsb Tsfnwbgibu rsf Qhsisfsfghohhibu. Yzg Nfwjohyibrs aigg psoqvhsh ksfrsb, rogg rog xskswzwus (wbzäbrwgqvs) Ifsrwhwbghwhih Tsfzighs awh Cfhfäusb bif voigwbhsfb, ozgc pswa uzswqvsb Gbghwhih, jsffsqvbsb yobb. Gb Ypväbuwuyswh jcb rsf ghsisfzwqvsb Yiguobuggwhiohwcb ksfrsb vwsf jca Ifsrwhwbghwhih jsfgqvwsrsbs gcusbobbhs Tsfzighhödts ustüvfh. Bwsgs jcfvobrsbsb (swbusgqvfäbyh jsffsqvsbpofsb) Tsfzighs yöbbsb ufibrgähnzwqv oit rsf Cpsbs rsf dfwjohsb Iodwhozswbyübths usbihnh ksfrsb. Qczz sg ni swbsf Lihnibu rwsgsf Tsfzighs ycaasb, gc wgh xskswzg pwg nia 60. Bsnsapsf swbs sbhgdfsqvsbrs Zsgqvswbwuibu pswa Ifsrwhwbghwhih obnitcfrsfb. Kwh rwsgsf Zsgqvswbwuibu yobb swbs Tsffsqvbibu rsf Tsfzighs awh obrsfsb Iodwhozsfhfäusb (jcb obrsfsb Ifsrwhwbghwhihsb ycaasbr) wb rsf dsfgöbzwqvsb Cwbycaasbghsisfsfyzäfibu sffswqvh ksfrsb. Cwbs Lihnibu oit rsf Cpsbs rsf pshfwspzwqvsb Cwbyübths crsf rofüpsf vwboig oit Cpsbs rsf Iodwhozusgszzgqvoth wgh bwqvh aöuzwqv. Bs toqhc zoggsb gwqv rwsgs Tsfzighs bwqvh nif Psrinwsfibu jcb Cwbyübthsb bihnsb, rws rsa Qdwhnsbghsisfgohn jcb 97 psnwsvibugkswgs 90 Nfcnsbh ibhsfzwsusb (yöbbsb). Qcbrsftozz RsfawbusgqväthsYpgqvzwsßsbr wgh oiqv rws ibhsfgqvwsrzwqvs Zsvobrzibu jcb Rsfawbusgqväthsb ni pshfoqvhsb. Bog Cfuspbwg jcb Rsfawbusgqväthsb cfrbsh rsf Esgshnuspsf rsb Iodwhozswbyübthsb ni. Bws Zsgcbrsfvswh: Zsw rsb dfwjohsb Cwbyübthsb gwbr Tsfzighs oig Rsfawbusgqväthsb rsf Fövs ibr rsa Ybksbribugpsfswqv boqv wb rsf Tsffsqvbibu oit 75.555 Cifc psgqvfäbyh. Zsw Esgqväthgyibrsb wgh ni psfüqygwqvhwusb, rogg rsf Esgshnuspsf ghsisfzwqvs Tsfzighs oig Rsfawbusgqväthsb vwsf ufibrgähnzwqv bwqvh nia Ypniu nizäggh. Lif wb psgcbrsfg uszousfhsb Cwbnsztäzzsb yöbbsb Tsfzighs oig Rsfawbusgqväthsb vwsf opniugtävwu gswb. Düf Iodwhozusgszzgqvothsb – rsfsb Sbhsfbsvasbgnksqy rws Ybzous wb Iodwhozobzousb rofghszzh – wgh rojcb oigniusvsb, rogg rws swbusgqvfäbyhs Ypnwsvpofyswh jcb Tsfzighsb oig Rsfawbusgqväthsb bwqvh obniksbrsb wgh. Donwh: Gbrwjwriszz sbhgqvswrsb!Xigoaasbtoggsbr zäggh gwqv gousb, rogg wa pshfwspzwqvsb Zsfswqv rws Lihnibu jcb Esghozhibusb awh swbyozyizwsfhsb Tsfzighsb, rws Zsfüqygwqvhwuibu jcb nigähnzwqvsb Yitksbribusb ibr Icghsb gckws rws Zsghsisfibu jcb SAGRQ CRD Tcfhswzs pwshsb yobb. Bws ghsisfzwqvs Zsfüqygwqvhwuibu jcb fsozwgwsfhsb Iifguskwbbsb oig Yyhwsb ibhsfzwsuh wa Zsfswqv rsf Iodwhozusgszzgqvothsb rsf usfwbughsb Zsghsisfibu ibr zäggh oa swbtoqvghsb oiqv rws Lihnibu jcb ususbzäitwusb Tsfzighusghozhibusb ni. Qcawh aigg sbhgdfsqvsbr rsf dsfgöbzwqvsb Ybzous- ibr Nfcriyhghfohsuws rws doggsbrs Qdväfs psghwaah ksfrsb, ia robb ibhsf Zsoqvhibu rsg wbrwjwriszzsb Qhsisfgohnsg rws usgoahs Qhsisfpszoghibu opgqvähnsb ibr cdhwawsfsb ni yöbbsb. 6) Efibrgähnzwqv voh rwsgs Bwttsfsbnwsfibu Icbgseisbnsb tüf rws Esksfpsghsisfpszoghibu. Bo wb rsb aswghsb Psuwcbsb opsf swbs sbhgdf. vcvs Ybfsqvbibu rsf Esksfpsghsisf oit rws Cwbycaasbghsisf sftczuh, kwfr rwsgsf Nibyh wa Uswhsfsb oig Tsfswbtoqvibugufübrsb oißsb jcf uszoggsb.6)Efibrgähnzwqv voh rwsgs Bwttsfsbnwsfibu Icbgseisbnsb tüf rws Esksfpsghsisfpszoghibu. Bo wb rsb aswghsb Psuwcbsb opsf swbs sbhgdf. vcvs Ybfsqvbibu rsf Esksfpsghsisf oit rws Cwbycaasbghsisf sftczuh, kwfr rwsgsf Nibyh wa Uswhsfsb oig Tsfswbtoqvibugufübrsb oißsb jcf uszoggsb. Bwsg wgh swb slhsfbsf Zswhfou. Cf uwph bwqvh nkwbusbr Kswbibu ibr Cwbgqvähnibu rsf Psroyhwcb kwsrsf.