Gestão de Riscos de TI - NBR 27005

7/23/2019 Gesto de Riscos de TI - NBR 27005

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Gksti jk

R`sdis jk Z@FBR 2788;

Kjsif Oiwnso Bkzkrrn


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N RFX Rkjk Fndìfna jk Kfs`fi

k Xksqu`sn quna`c`dnjn diei

uen Irgnf`zni Tid`na (IT),

skfji a`gnjn ni E`f`strì jn

D`fd`n, Zkdfiaig`n k @fivni

( ED Z @ ) k rks pifs v k a pk a i

Xrigrnen @ftkre`f`stkr`na RFX,

quk diftn die n pnrt`d`pni jis

e`f`strìs jn Kjudni (EKD), jn

Tnjk (ET) k jn Duaturn (E`fD).

Xìfk`rn fi ndkssi @ftkrfkt fi

Brnsà, n RFX panfkmn k enfte nrkjk @p, n rkjk pt`dn fndìfna

ndnje`dn jk nati jkskepkfli.

Die Xiftis jk Xrkskfn fns

27 uf`jnjks jn ckjkrni, n rkjk

tke en`s jk


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Gksti jkR`sdis jk Z@FBR 2788;


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R`i jk Mnfk`ri

Ksdian Tupkr`ir jk Rkjks

28>4

Gksti jkR`sdis jk Z@FBR 2788;


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Dipyr`glt 28>4 Rkjk Fndìfna jk Kfs`fi k Xksqu`sn RFX

Run Anuri Eaakr, >>3 snan >>84

22208-083 Rì jk Mnfk`ri, RM

J`rktir GkrnaFkasif Tèks

J`rktir jk Tkrvìs k TiauksMis Au`z R`bk`ri Càli


Diirjkfni

Au`z Dikali

Kjì

Xkjri Tnfg`rnrj`

Diirjkfni Ndnje`dn jk Tkgurnfn k Givkrfnfn jk Z@


Kqu`pk KTR (ke irjke nacnbt`dn)

Dka`n End`ka, Dr`st`nfk Ia`vk`rn, Jkra`fn E`rnfjn, Kaèr`n Bnrbisn, Kvkaayf Ck`tisn,

Cka`pk Fnsdèkfti, Aiurjks Tifd`f, Aud`nfn Bnt`stn, Au`z Dnrais Aibnti, Rkfnti Junrtk

k Pvk Nbka Enrd`na.

Dnpn, primkti v`suna k j`ngrneni

Zkdfijks`gf

Skrsi

2.8.>

Kstk entkr`na j`jt`di ci` kanbirnji die fs kjudndìfn`s. Tia`d`tneis quk qunaqukr krri kfdif-trnji iu jv`jn die rkani ni entkr`na iu sku usi skmn kfv`nji pnrn n kqu`pk jk kanbirni jk

diftkji jn Ksdian Tupkrìr jk Rkjks, fi k-enà `fciHksr.rfp.br. N Rkjk Fndìfna jk Kfs`fi kXksqu`sn k is nutirks fi nssueke qunaqukr rkspifsnbà`jnjk pir kvkftun`s jnfis iu pkrjns, n

pkssins iu bkfs, ir`g`fnjis ji usi jkstk entkr`na.Ns enrdns rkg`strnjns ekfdìfnjns fkstk entkr`na pkrtkfdke nis rkspkdt`vis t`tuanrks.

J`str`buì

Ksdian Tupkrìr jk RkjksRun Anuri Eaakr, >>3 snan >>84

22208-083 Rì jk Mnfk`ri, RM

lttp=//ksr.rfp.br`fciHksr.rfp.br

Jnjis @ftkrfndìfn`s jk Dntnaigni fn Xuba`dni (D@X)

B;7:g Bkzkrrn, Kjsif Oiwnso

Gksti jk r`sdis jk Z@= FBR 2788; / Kjsif Oiwnso Bkzkrrn. Rì jk Mnfk`ri= RFX/KTR, 28>4. >4< p. = à. ? 2< de.

B`baìgrnn= p.>47.@TBF 07


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```

Tuerì


N ektijiaig`n jn KTR `x

Tibrk i dursi x

N quke sk jkst`fn x

Difvkfks utà`znjns fkstk a`vri x

Xkre`ssks jk usi x`

Tibrk i nutir x``

>. @ftrijui Gksti jk R`sdis

@ftrijui >

Kxkrddì jk f`vkanekfti > @ftrijui gksti jk r`sdis 2

Difdk`tis cufjnekftn`s 2

Kxkrddì jk xni > Difdk`tis cufjnekftn`s ;

Xr`fdpìs jn Gksti jk R`sdis ;

Firens jk gksti jk skgurnfn k jk r`sdis 7

Firen NBFZ FBR @TI/@KD 2788;=288< 0

S`si gkrna jn gksti jk r`sdis >8

Kxkrddì jk xni 2 S`si gkrna >2

Kxkrddì jk xni 4 XJDN >;

Cntirks drt`dis pnrn i sudkssi >;

rkns jk diflkdèkfti fkdkssr`ns >3


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`v

Ritk`ri jk Nt`v`jnjks > >0

Nt`v`jnjk >.> Diflkdkfji is difdk`tis >0

Nt`v`jnjk >.2 Diflkdkfji n firen >0

Nt`v`jnjk >.4 @jkft`dnfji i pridkssi 28

Nt`v`jnjk >.: Cntirks drt`dis 28

2. Diftkxti jn gksti jk r`sdis

@ftrijui 2>

Kxkrddì jk f`vkanekfti > Diftkxti 2>

Xridkssi jk gksti jk r`sdis jk skgurnfn jn `fcireni 2>

Diftkxti 22

Kstnbkakdèkfti ji diftkxti 24

Diftkxti jn firen NBFZ FBR @TI/@KD 2788; 24

Jkf`fji i diftkxti 2:

@tkfs pnrn jkft`dni 2:

Kxkrddì jk xni > Jkf`fji i diftkxti 2;

Jkf`fji ksdipi k aè`tks 23

Kxkrddì jk xni 2 Jkf`fji i ksdipi k aè`tks 27

Dr`trìs pnrn nvna`ni jk r `sdis 2

Kxkrddì jk f`vkanekfti > @jkft`dni jis r`sdis :>

Xridkssi jk nfa`sk jk r`sdis jk skgurnfn jn `fcireni :>

@jkft`dni jk r`sdis :2

@jkft`dnfji is nt`vis :4

@jkft`dnfji is nt`vis prèrìs :;


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v

@jkft`dnfji is nt`vis jk supirtk k `fcrnkstruturn :3

Kxkrddì jk xni > @jkft`dnfji is nt`vis :3

@jkft`dnfji ns neknns :7

Kxkrddì jk xni 2 @jkft`dnfji ns neknns :0

@jkft`dnfji is diftriaks kx`stkftks :0

Ritk`ri jk Nt`v`jnjks 4 ;4

Nfkxi B @fcrnkstruturn ;;

:. Nfa`sk jk r`sdis= Suafkrnbà`jnjks k difskqufd`ns

@ftrijui ;0

Kxkrddì jk f`vkanekfti > Suafkrnbà`jnjks k difskqufd`ns ;0

Xridkssi jk nfa`sk jk r`sdis jk skgurnfn jn `fcireni 38

@jkft`dnfji ns vuafkrnbà`jnjks 38

Kxkrddì jk xni > @jkft`dnfji vuafkrnbà`jnjks 34

@jkft`dni jns difskqufd`ns 34

Kxkrddì jk xni 2 @jkft`dnfji ns difskqufd`ns 3;

Ritk`ri jk Nt`v`jnjks : 37

Nfkxi D Xribakens rkantnjis 30

;. Nfa`sk jk R`sdis= Nvna`ni jns difskqufd`ns

@ftrijui Nvna`ni jns difskqufd`ns


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3. Nfa`sk jk r`sdis= nvna`ni jn pribnbà`jnjk

@ftrijui 0>

Kxkrddì jk f`vkanekfti > Nvna`ni jn pribnbà`jnjk 0>

S`si gkrna ji pridkssi jk nvna`ni jk r`sdi 02

Nvna`ni jn pribnbà`jnjk jk idirrfd`n jk fd`jkftks 02

Kxkrddì jk xni > Nvna`ni jn pribnbà`jnjk 0:

Jktkre`fni ji fvka jk r`sdi 0:

Ritk`ri jk Nt`v`jnjks 3 07

7. Nvna`ni jk r`sdis

@ftrijui >8>

Kxkrddì jk f`vkanekfti > Nvna`ni jk r`sdis >8>

Xridkssi jk nvna`ni jk r`sdis jk skgurnfn jn fcireni >8>

Nvna`ni jk r`sdis jk skgurnfn jn fcireni >82

Kxkrddì jk xni > Nvna`ni jk r`sdi >84

Ritk`ri jk Nt`v`jnjks 7 >8;

87

Kxkrddì jk f`vkanekfti > Zrntnekfti k ndk`tni jis r`sdis >87

S`si gkrna ji pridkssi jk trntnekfti ji r`sdi >87

Zrntnekfti ji r`sdi >80

R`sdis rks`jun`s >>>

Eij`dni ji r`sdi >>>

Rktkfi ji r`sdi >>4

Ni jk kv`tnr i r`sdi >>4

Diepnrtàlnekfti ji r`sdi >>4

Kxkrddì jk xni > Zrntnekfti jk r`sdi >>:

S`si gkrna ji pridkssi jk ndk`tni ji r`sdi >>:

Ndk`tnfji i r`sdi >>;

Ritk`ri jk Nt`v`jnjks < >>7


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0. Dieuf`dni k eif`tirnekfti jis r`sdis

@ftrijui >2>

Kxkrddì jk f`vkanekfti > Dieuf`dni k difsuatn jis r`sdis >2>

Xridkssi jk dieuf`dni k difsuatn ji r`sdi jk skgurnfn

jn `fcireni >22

Dieuf`dni k difsuatn ji r`sdi jk skgurnfn jn `fcireni >24

Kxkrddì jk xni > Dieuf`dni k difsuatn jis r`sdis >2:

Ritk`ri jk Nt`v`jnjks 0 >2;

>8.Eif`tirnekfti jis r`sdis

@ftrijui >27

Kxkrddì jk f`vkanekfti > Eif`tirnekfti jk r`sdis >27

Xridkssi jk eif`tirnekfti k nfa`sk drt`dn jk r`sdis jk

skgurnfn jn fcireni >27

Eif`tirnekfti k nfa`sk drt`dn jis cntirks jk r`sdi >20

Kxkrddì jk xni > Eif`tirnekfti k nfa`sk drt`dn jis r`sdis >48

Eif`tirnekfti, nfa`sk drt`dn k ekalir`n ji pridkssi jk

gksti jk r`sdis >48

Ritk`ri jk Nt`v`jnjks >8 >44

Difdausi >4;

B`baìgrncn >47


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N Ksdian Tupkrìr jk Rkjks (KTR) n uf`jnjk jn Rkjk Fndìfna jk Kfs`fi k Xksqu`sn (RFX)

rkspifsvka pkan j`sske`fni ji diflkdèkfti ke Zkdfiaig`ns jn @fcireni k Dieuf`dn-

i (Z@D). N KTR fnsdk die n pripistn jk skr n cirenjirn k j`sske`fnjirn jk diepktfd`ns

ke Z@D pnrn i dirpi tdf`di-nje`f`strnt`vi jns uf`vkrs`jnjks ckjkrn`s, ksdians tdf`dns k

uf`jnjks ckjkrn`s jk pksqu`sn. Tun e`ssi cufjnekftna rkna`znr n dnpnd`tni tdf`dn jidirpi cufdìfna jns irgnf`znks usur`ns jn RFX, pnrn i kxkrddì jk diepktfd`ns npa`d-

vk`s ni usi kdnz k kd`kftk jns Z@D.

N KTR ickrkdk jkzkfns jk dursis j`str`bujis fns rkns tket`dns= Nje`f`strni k Xrimkti

jk Rkjks, Nje`f`strni jk T`stkens, Tkgurnfn, Ej`ns jk Tupirtk Dianbirni J`g`tna k

Givkrfnfn jk Z@.

N KTR tnebe pnrt`d`pn jk j`vkrsis primktis jk `ftkrkssk pba`di, diei n kanbirni k

kxkdui jk panfis jk dnpnd`tni pnrn cireni jk euat`pa`dnjirks pnrn primktis kju-

dndìfn`s diei= cireni fi usi jn difckrfd`n wkb pnrn n [f`vkrs`jnjk Nbkrtn ji Brnsà

([NB), cireni ji supirtk tdf`di jk anbirntrìs ji Xri`fci k dr`ni jk ue difmufti jk

dnrtàlns sibrk rkjks ske i pnrn i prigrnen [e Dieputnjir pir Naufi ([DN).

N ektijiaig`n jn KTR

N aisin pkjngg`dn k n ektijiaig`n quk ir`kftne is dursis jn KTR si bnsknjns fn

nprkfj`zngke diei difstrui ji diflkdèkfti pir ekì jn rksiaui jk pribakens tp`-

dis jn rkna`jnjk ji prissìfna ke cireni. Is rksuatnjis ibt`jis fis dursis jk fnturkzn

tkr`di-prt`dn si itè`znjis, pi`s i `fstrutir, nuxà`nji pkai entkr`na j`jt`di, ntun fi

npkfns diei kxpis`tir jk difdk`tis k `fcirenks, ens pr`fd`pnaekftk diei ir`kftnjir ji

naufi fn kxkdui jk nt`v`jnjks diftkxtuna`znjns fns s`tunks ji dit`j`nfi prissìfna.

N nprkfj`zngke kftkfj`jn diei n rkspistn ji naufi ni jksni jk s`tunks-pribakenskekalnftks s kfdiftrnjns fn prt`dn prissìfna, quk si supkrnjns pir ekì jk nfa`sk,

sftksk, muagnekfti, pkfsnekfti drt`di k difstrui jk l`ptksks pnrn n rksiaui ji pri-

baken, ke nbirjngke ir`kftnjn ni jkskfviavèkfti jk diepktfd`ns.

Jkssn ciren, i `fstrutir tke pnrt`d`pni nt`vn k j`nag`dn diei ir`kftnjir ji naufi pnrn ns

nt`v`jnjks ke anbirntrì. Nt eksei n nprkskftni jn tkir`n fi `fdì jn skssi jk nprkf -

j`zngke fi difs`jkrnjn uen sèpaks kxpisì jk difdk`tis k `fcirenks. I `fstrutir

busdn `fdkft`vnr n pnrt`d`pni jis naufis dift`funekftk.



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Ns skssks jk nprkfj`zngke ifjk sk ji n nprkskftni jis diftkjis k n rkna`zni jns

nt`v`jnjks prt`dns te cirenti prkskfd`na k ksskfd`naekftk prt`di, utà`znfji tdf`dns jk

kstuji j`r`g`ji `fj`v`juna, trnbnali ke kqu`pk k prt`dns ir`kftnjns pnrn i diftkxti jk ntun-

i ji cuturi kspkd`na`stn quk sk prktkfjk cirenr.

Ns skssks jk nprkfj`zngke jkskfviavke-sk ke trs ktnpns, die prkjie`ffd`n jk tkepi

pnrn ns nt`v`jnjks prt`dns, difcirek jksdrì n skgu`r=

Xrèk`rn ktnpn= nprkskftni jn tkir`n k ksdanrkdèkfti jk jv`jns (jk 38 n 08 e`futis).

I `fstrutir nprkskftn, jk enfk`rn s`ftt`dn, is difdk`tis tkr`dis dirrkspifjkftks ni tken

jn skssi jk nprkfj`zngke, die nuxaì jk sa`jks ke cirenti XiwkrXi`ft. I fstrutir akvnftn

qukstks sibrk i diftkji jis sa`jks ke vkz jk npkfns nprkskft-ais, difv`jnfji n turen

rkkxi k pnrt`d`pni. @ssi kv`tn quk ns nprkskftnks skmne eiftifns k quk i naufi sk

diaiquk ke pisì jk pnss`v`jnjk, i quk rkjuz`r`n n nprkfj`zngke.

Tkgufjn ktnpn= nt`v`jnjks prt`dns jk nprkfj`zngke (jk >28 n >;8 e`futis).

Kstn ktnpn n kssfd`n jis dursis jn KTR. N enìr`n jns nt`v`jnjks jis dursis nssfdrifn k

rkna`znjn ke jupans jk naufis, quk ndiepnflne i r`tei ji ritk`ri jk nt`v`jnjks pripisti fi

a`vri jk npiì. @fstrutir k eif`tir d`rduane kftrk ns jupans pnrn siaudìfnr jv`jns k ickrkdkr

kxpa`dnks diepakekftnrks.

Zkrdk`rn ktnpn= j`sdussi jns nt`v`jnjks rkna`znjns (48 e`futis).

I fstrutir diekftn dnjn nt`v`jnjk, nprkskftnfji uen jns siauks pissvk`s pnrn rksiav-an,

jkvkfji ntkr-sk qukans quk gkrne enìr j`duajnjk k piae`dn. Is naufis si difv`jnjis n

diekftnr ns siauks kfdiftrnjns k i `fstrutir rktien tp`dis quk tkflne gkrnji jv`jns,

kstèuanfji n pnrt`d`pni jis naufis. I `fstrutir skeprk kstèuan is naufis n kfdiftrnrke

siauks natkrfnt`vns s sugkr`jns pir kak k pkais diakgns k, dnsi kx`stne, n diekft-ans.

Tibrk i dursi

I dursi nprkskftn is difdk`tis jk gksti jk r`sdis n pnrt`r jn firen FBR @TI 2788;.Jkfk difdk`tis k trnbnaln n diftkxtuna`zni ji neb`kftk, `jkft`dni k akvnftnekfti

jis r`sdis ntrnvs ji diflkdèkfti jns neknns, nt`vis, vuafkrnbà`jnjks, pribnbà`jnjk

jk idirrfd`n k èpndtis. Ti rkna`znjis n kstènt`vn k i daduai jk r`sdi k jkf`ji i

trntnekfti en`s njkqunji. Ziji i trnbnali bnsknji ke ue kstuji jk dnsi, v`snfji

difsia`jnr i diflkdèkfti tkr`di. Ni fna ji dursi i pnrt`d`pnftk kstnr npti n rkna`znr

uen nfa`sk jk r`sdi quna`tnt`vn fi neb`kftk jn sun irgnf`zni.

N quke sk jkst`fn

Dursi j`rkdìfnji n gkstirks, tdf`dis k prissìfn`s jk `fciret`dn iu rkns nfs, quk

ksti ke busdn ji jkskfviavèkfti jk diepktfd`ns fn rkna`zni jk gksti k nfa`sk

jk r`sdis fi neb`kftk jk tkdfiaig`ns jn `fcireni k dieuf`dni (Z@D). Xrissìfn`s jk

iutrns rkns pijke pnrt`d`pnr jksjk quk pissune diflkdèkftis jk Z@D, skgurnfn jn

`fcireni k firens @TI 2788> k 27882.

Difvkfks utà`znjns fkstk a`vri

Ns skgu`ftks difvkfks t`pigrdns si usnjns fkstk a`vri=

@ta`di

@fj`dn fieks jk nrqu`vis k rkckrfd`ns b`baìgrdns rkandìfnjns ni aifgi ji tkxti.


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Anrgurn difstnftk

@fj`dn dienfjis k suns ipks, vnr`vk`s k ntr`butis, diftkji jk nrqu`vis k rksuatnji jn snjn

jk dienfjis. Dienfjis quk skri j`g`tnjis pkai usurì si gr`cnjis ke fkgr`ti k pissuke

i prkxi ji neb`kftk ke usi (fi A`fux firenaekftk # iu $, kfqunfti fi W`fjiws D=Q).

Diftkji jk sa`jk@fj`dn i diftkji jis sa`jks rkckrkftks ni dursi nprkskftnjis ke snan jk nuan.

Tebiai

@fj`dn rkckrfd`n diepakekftnr j`spifvka ke s`tk iu pg`fn fn `ftkrfkt.

Tebiai

@fj`dn ue jiduekfti diei rkckrfd`n diepakekftnr.

Tebiai

@fj`dn ue vjki diei rkckrfd`n diepakekftnr.

Tebiai

@fj`dn ue nrqu`vi jk njì diei rkckrfd`n diepakekftnr.

Tebiai

@fj`dn ue nv`si iu prkdnui n skr difs`jkrnjn.

Tebiai

@fj`dn qukstìfnekftis quk kstèuane n rkkxi iu nprkskftn diftkji jk npiì ni

kftkfjèkfti ji tken ke quksti.

Tebiai@fj`dn fitns k `fcirenks diepakekftnrks diei j`dns, sugkstks jk ak`turn nj`dìfna iu

eksei uen ibskrvni.

Xkre`ssks jk usi

Zijis is j`rk`tis rkskrvnjis RFX.

Ngrnjkdkeis skeprk d`tnr kstn ciftk qunfji `fdau`r pnrtk jkstk a`vri ke iutrn ibrn.

Kxkepai jk d`tni= BK]KRRN, K. O. Gksti jk R`sdis jk Z@ FBR 2788;. Rì jk Mnfk`ri= Ksdian

Tupkrìr jk Rkjks, RFX, 28>4.

Diekftrìs k pkrguftnsXnrn kfv`nr diekftrìs k pkrguftns sibrk kstn puba`dni=

Ksdian Tupkrìr jk Rkjks RFX

Kfjkrki= Nv. Anuri Eaakr >>3 snan >>84 Bitncigi

Rì jk Mnfk`ri RM 22208-083

K-enà= `fciHksr.rfp.br


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Tibrk i nutir

Kjsif Oiwnso Bkzkrrn prissìfna jn rkn jk skgurnfn jn `fcireni k givkrfnfn

l en`s jk qu`fzk nfis, ntunfji diei nuj`tir ajkr, pksqu`snjir, gkrkftk jk primkti k

gkrkftk tdf`di, ke `fekris primktis jk gksti jk r`sdis, gksti jk skgurnfn jn `fcir-

eni, dift`fu`jnjk jk fkgdìs, XD@, nuj`tir`n k rkdupkrni jk jksnstrks ke keprksns

jk grnfjk pirtk ji sktir jk tkakdieuf`dnks, fnfdk`ri, kfkrg`n, `fjstr`n k givkrfi.

Die vnstn kxpkr`fd`n fis tkens jk skgurnfn k givkrfnfn, tke ntunji tnebe diei

pnakstrnftk fis pr`fd`pn`s kvkftis ji Brnsà k n`fjn diei `fstrutir jk trk`fnekftis cidnjis

ke skgurnfn k givkrfnfn. prickssir k diirjkfnjir jk dursis jk ps-grnjuni fn rkn

jk skgurnfn jn `fcireni, gksti `ftkgrnjn, `fivni k tkdfiaig`ns wkb. Limk ntun diei

Diirjkfnjir Ndnje`di jk Tkgurnfn k Givkrfnfn jk Z@ jn Ksdian Tupkrìr jk Rkjks. Xis-

su` n dkrt`dni DR@TD jn @TNDN, nae jk j`vkrsns iutrns ke skgurnfn k givkrfnfn.


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>

Dnptuai

>-@ftrijuiGkstijkR`sdis

ibmkt`vis

dif

dk`tis

>@ftrijui Gksti jk R`sdis

Difdk`tunr k dieprkkfjkr neknns, vuafkrnbà`jnjks, pribnbà`jnjk k r`sdis?

diflkdkr k utà`znr n firen jk gksti jk r`sdis? `jkft`dnr ns nt`v`jnjks ji

pridkssi jk gksti jk r`sdis k is cntirks drt`dis pnrn i sudkssi? `jkft`dnr

k jkf`r ns rkns fkdkssr`ns pnrn n gksti jk r `sdis.

Neknns, vuafkrnbà`jnjks, pribnbà`jnjk, r`sdis, skgurnfn jn `fcireni k gkstijk r`sdis.

@ftrijui

q> N ni k `ftkrni jis ibmkt`vis die ns `fdkrtkzns ir`g`fne i r `sdi, quk sk nprkskftnfi j`n n j`n jk tijn k qunaqukr nt`v`jnjk.

> Eu`tns vkzks, i r`sdi fi sk nprkskftn v`svka, skfji fkdkssr`ns nks pnrn jkft`d-ai.

> Iutrns vkzks, i r`sdi cruti jk nks rkpkft`fns quk cigke ni diftriak luenfi,diei ke kvkftis jk dnusns fnturn`s.

Fns cnsks ji d`dai jk v`jn jk qunaqukr nt`v`jnjk luenfn panfkmnjn, difv`vkeis die juns dkr-

tkzns bs`dns= jnquài quk jkvk ndiftkdkr (is ibmkt`vis) k i quk pijk ndiftkdkr (ns `fdkrtkzns).

N ni k `ftkrni jis ibmkt`vis die ns `fdkrtkzns ji ir`gke ni r`sdi, quk sk nprkskftn fi

j`n n j`n jk tijn k qunaqukr nt`v`jnjk jkskfviav`jn. Eu`tns vkzks, i r`sdi fi sk nprkskftn

v`svka, skfji fkdkssr`ns nks pnrn `jkft`d-ai? ke iutrns s`tunks i r`sdi privkf`kftk

jk nks rkpkft`fns quk cigke ni diftriak ji skr luenfi, diei fi dnsi jk kvkftis jk

dnusns fnturn`s.

J`nr`nekftk vkeis enfdlktks ke puba`dnks jns en`s j`vkrsns rkns quk jkstndne, die

fcnsk, is pribakens rkandìfnjis nis r`sdis tkdfiag`dis jk skgurnfn jn `fcireni= riubis

jk ej`ns jk bndoup k jk fitkbiios, vnznekfti jk fekris jk dnrtks jk drj`ti, enfuskì

èprprì jk rkg`stris kaktrf`dis, riubi jk jkft`jnjk k qukbrn jk pripr`kjnjk ftkakdtuna.

Kstk dnptuai nbirjnr is difdk`tis cufjnekftn`s pnrn n Gksti jk R `sdis k nprkskftnr n

firen NBFZ FBR @TI/@KD 2788;=288< - Zkdfiaig`n jn @fcireni Zdf`dns jk skgurnfn

Gksti jk r`sdis jk skgurnfn jn `fcireni.


18/156

2

Gksti

jkR`sdisjkZ@FBR

2788;

Kxkrddì jk f`vkanekfti >k@ftrijui gksti jk r`sdis

Diei vid nvna`n fn sun irgnf`zni i pridkssi jk gksti jk r`sdis9

Kx`stke r`sdis pnrn is trnbnalis k nt`v`jnjks jn sun irgnf`zni9

Difdk`tis cufjnekftn`s

q> Firen @TI Gu`jk 74=2880 Gksti jk r`sdis Sidnbuarì2 Rkdiekfjnks pnrn usi ke firens.

2 Nprkskftn ns pr`fd`pn`s tkre`fiaig`ns pnrn usi fns nt`v`jnjks jk gksti jk r`sdis.

> Kstn tkre`fiaig`n jkvk skr dieb`fnjn die is tkreis nprkskftnjis fns firens=

2 NBFZ FBR @TI/@KD 2788>.

2 NBFZ @TI/@KD 27882.

> Zkreis nprkskftnjis fns firens=

2 Tkgurnfn jn @fcireni.

2 Neknn.

2 Suafkrnbà`jnjk.

2 R`sdi.

2 R`sdis jk skgurnfn jn `fcireni.2 @jkft`dni jk r`sdis.

2 @epndti.

2 Kstènt`vn jk r`sdis.2 Eij`dni ji r`sdi.

2 Dieuf`dni ji r`sdi.

2 Ni jk kv`tnr i r`sdi.

2 Rktkfi ji r`sdi.

2 Diepnrtàlnekfti ji r`sdi.

èpirtnftk tkr skeprk ke ekftk is skgu`ftks difdk`tis=

Tkgurnfn jn @fcireni n pritki jn `fcireni jk vr ìs t`pis jk neknns, v`snfji

gnrnft`r n dift`fu`jnjk ji fkgdì, e`fè`znr is r `sdis quk pissne diepriekt-ai,

enxè`znr i rktirfi sibrk is `fvkstèkftis k ns ipirtuf`jnjks jk fkgdì. N skgurnfn

jn `fcireni ibt`jn diei rksuatnji jn èpakekftni jk ue difmufti jk diftriaks,

dieprkkfjkfji piat`dns, pridkssis, pridkjèkftis, kstruturns irgnf`zndìfn`s k cufks

jk lnrjwnrk k sictwnrk.

N skgurnfn jn `fcireni ibt`jn die n èpakekftni jk diftriaks quk jkvkri skr

eif`tirnjis, nfna`snjis k dift`funekftk ekalirnjis, die i ftu`ti jk ntkfjkr nis


19/156

4

Dnptuai


ibmkt`vis ji fkgdì, e`t`gnfji is r`sdis k gnrnft`fji is prkdk`tis jk skgurnfn jn irgnf`-

zni= Difjkfd`na`jnjk, @ftkgr`jnjk, J`spif`bà`jnjk k Nutkft`d`jnjk (D@JN).

q> Neknn tiji k qunaqukr kvkfti quk pissn kxpairnr vuafkrnbà`jnjks.> Dnusn pitkfd`na jk ue `fd`jkftk `fjkskmnji, quk pijk rksuatnr ke jnfi pnrn is

s`stkens, pkssins iu n prpr`n irgnf`zni.

> Ns neknns pijke skr danss`dnjns ke=2 Neknns ftkfdìfn`s.

2 Neknns jn ni jn fnturkzn.

2 Neknns fi ftkfdìfn`s.

Ti kxkepais jk neknns=

> Krris luenfis?> Cnalns jk lnrjwnrk?

> Cnalns jk sictwnrk?

> Nks jn fnturkzn?> Zkrrir`sei?

> Snfjna`sei, kftrk iutrns.

Suafkrnbà`jnjk qunaqukr crnqukzn quk pissn skr kxpairnjn pnrn diepriektkr n skgu-

rnfn jk s`stkens iu `fcirenks. Crngà`jnjk jk ue nt`vi iu grupi jk nt`vis quk pijk skr

kxpairnjn pir uen iu en`s neknns.

Xnrn pkfsnr

Neknn vkrsusSuafkrnbà`jnjk

Kftkfjk-sk quk n neknn i kvkfti iu `fd`jkftk, kfqunfti n vuafkrnbà`jnjk

n crngà`jnjk quk skr kxpairnjn pnrn quk n neknn sk tirfk difdrktn. Neknns

pijke nssue`r j`vkrsns cirens, diei curti jk kqu`pnekftis, ej`n k jidu-

ekftis, ksdutn fi nutir`znjn, `fdfjì, `fufjni k rnj`ni kaktriengft`dn,

nt ckfekfis daèt`dis k sse`dis. Xir kxkepai, ue dieputnjir dumn skfln skmn

ji diflkdèkfti jk tijis, sicrk neknns diei riubi, jkstruì iu natkrni jk

`fcirenks? n vuafkrnbà`jnjk quk pkre`tk quk kstns neknns sk difdrkt`zke

mustnekftk n skfln skr diflkd`jn k diepnrtàlnjn pir tijis.

Suafkrnbà`jnjk Neknn

Cnatn jk trk`fnekfti jk cufdìfrìs Krris luenfis

@ftkrrupi fi skrv`jir pir qukèn jn ciftk Cnaln jk lnrjwnrk

T`stken npa`dnt`vi ndk`tn qunaqukr vnair fis skus dnepis Cnaln jk sictwnrk

@fufjni jn snan ke v`rtujk jns cirtks dluvns Nks jn fnturkzn

Kxpaisi prividnjn ftkfdìfnaekftk fi tkre`fna jk f`bus Zkrrir`sei

Equ`fn NZE v`rnjn k p`dlnjn Snfjna`sei

Znbkan >.>

Kxkepais jk

vuafkrnbà`jnjks

k neknns.


20/156

:

Gksti

jkR`sdisjkZ@FBR

2788;

Is difdk`tis n skgu`r j`zke rkspk`ti s nt`v`jnjks nps n `jkft`dni jis r`sdis k rkandì-

fnjns ni sku trntnekfti.

> R`sdi= dieb`fni jn pribnbà`jnjk (dlnfdk jn neknn sk difdrkt`znr) jk ue kvkfti`fjkskmnji idirrkr k jk suns difskqufd`ns pnrn n irgnf`zni. n `fdkrtkzn rksuatnftk

jn dieb`fni jn pribnbà`jnjk jk idirrfd`n jk ue kvkfti k suns difskqufd`ns.

N pkrguftn ûna i r`sdi9 akvnftn jv`jns n rkspk`ti jn idirrfd`n jk nagi `fdkrti iu

`fkspkrnji. Ke skgurnfn jn `fcireni, kstn `fdkrtkzn rks`jk fis nspkdtis tkdfi-ag`dis kfviav`jis, fis pridkssis kxkdutnjis k, pr`fd`pnaekftk, fns pkssins quk ke

nague eiekfti ftkrngke die n tkdfiaig`n k sk kfviavke die is pridkssis.

> R`sdis jk skgurnfn jn `fcireni= piss`bà`jnjk jk uen jktkre`fnjn neknn kxpairnrvuafkrnbà`jnjks jk ue nt`vi iu jk ue difmufti jk nt`vis, nssè prkmuj`dnfji n irgnf`zni.

> @jkft`dni jk r`sdis= pridkssi pnrn aidna`znr, a`stnr k dnrndtkr`znr kakekftis jk r `sdi.Xir ekfir quk skmn n pribnbà`jnjk jk idirrfd`n jk ue r`sdi, pijk skr quk jktkre`fnjn

`fdkrtkzn idirrn k kxpairk uen vuafkrnbà`jnjk, difdrkt`znfji uen neknn. Xnrn sk prk-

pnrnr pnrn `ssi fkdkssrì diflkdkr is r`sdis jk tiji i neb`kftk, ntrnvs jn rkna`zni

jk ue pridkssi cirena`znji jk `jkft`dni jk r`sdis.

> @epndti= eujnfn njvkrsn fi fvka ibt`ji jis ibmkt`vis jk fkgdìs. Difskqufd`n nvn-a`njn jis rksuatnjis die n idirrfd`n jk ue kvkfti ke pnrt`duanr, ke quk jktkre`fnjn

vuafkrnbà`jnjk ci` kxpairnjn, uen neknn idirrku k i r`sdi sk difdrkt`ziu. ûna ci` i

èpndti jkstk kvkfti fis fkgdìs9 unfti sk pkrjku9 N irgnf`zni skr rkspifsnbà`-

znjn9 Lnvkr euatns9 Nks akgn`s skri èpktrnjns9 Lnvkr jnfis jk èngke9

@eng`fk ns skgu`ftks s`tunks l`pitt`dns=

>. Ke uen cnduajnjk, ue usurì die ndkssi s `fcirenks jis naufis jk`xiu sun skfln

ksdr`tn fue pnpka nps rkfiv-an. I quk pijk idirrkr9 ûna i èpndti9

2. Ke pakfn prkpnrni pnrn i vkst`buanr jk uen jktkre`fnjn `fst`tuì, ns privns

vnznrne. ûna i èpndti sk kstk vnznekfti idirrku sk`s eksks nftks jn rkna`zni jivkst`buanr9 K sk idirrku fns :< lirns quk nftkdkjke n rkna`zni ji vkst`buanr9

Kxkepais jk èpndtis= pkrjns fnfdk`rns, pnrna`sni jk skrvìs ksskfd`n`s, pkrjn jk

difnfn jis da`kftks, pnfk fi cirfkdèkfti jk kfkrg`n k cnalns jk tkakdieuf`dnks,

kftrk tnftis iutris.

> Kstènt`vn jk r`sdis= pridkssi utà`znji pnrn ntr`bu`r vnairks pribnbà`jnjk k difsk-qufd`ns jk ue r`sdi. N kstènt`vn jk r`sdis pkre`tk qunft`dnr iu jksdrkvkr jk ciren

quna`tnt`vn ue r`sdi, pkre`t`fji s irgnf`znks prìr`znr is r `sdis jk ndirji die is

dr`trìs kstnbkakd`jis.

> Nks jk eij`dni ji r`sdi= nks tienjns pnrn rkjuz`r n pribnbà`jnjk, ns difsk-qufd`ns fkgnt`vns, iu nebns, nssid`njns n ue r`sdi.

> Dieuf`dni ji r`sdi= tridn iu diepnrtàlnekfti jk `fcirenks sibrk i r`sdi kftrk itienjir jk jkd`si k iutrns pnrtks `ftkrkssnjns.

> Ni jk kv`tnr i r`sdi= jkd`si jk fi sk kfviavkr iu ng`r jk ciren n e`t`gnr uens`tuni jk r`sdi.

> Rktkfi ji r`sdi= ndk`tni ji fus jn pkrjn iu ji bkfkcdì ji gnfli nssid`nji n uejktkre`fnji r`sdi.

> Diepnrtàlnekfti ji r`sdi= diepnrtàlnekfti die iutrn kft`jnjk ji fus jn pkrjniu ji bkfkcdì ji gnfli nssid`nji n ue r`sdi.


21/156

;

Dnptuai


Kxkrddì jk c`xni >kDifdk`tis cufjnekftn`s

Jurnftk uen nprkskftni sibrk is difdk`tis jk gksti jk r`sdis pnrn n natn j`rki jn sun

irgnf`zni, vid ci` qukstìfnji sibrk juns pissvk`s neknns kx`stkftks k skus r`sdis.

Diei vid rkspifjkr`n9

Ke cufi jn sun rkspistn pnrn n natn j`rki, alk pkj`rne pnrn kxpa`dnr is pissvk`s

èpndtis rkandìfnjis n kstks r`sdis. Diei vid rkspifjkr`n9

Xr`fdpìs jn Gksti jk R`sdis

qXr`fdpìs jn gksti jk r`sdis=> N gksti jk r`sdis dr`n k pritkgk vnair.

> N gksti jk r `sdis pnrtk `ftkgrnftk jk tijis is pridkssis irgnf`zndìfn`s.> N gksti jk r `sdis pnrtk jn tienjn jk jkd`sks.

> N gksti jk r `sdis nbirjn kxpa`d`tnekftk n `fdkrtkzn.> N gksti jk r`sdis s`stket`dn, kstruturnjn k ipirtufn.

> N gksti jk r `sdis bnsk`n-sk fns ekalirks `fcirenks j`spifvk`s.

> N gksti jk r `sdis ck`tn sib ekj`jn.

> N gksti jk r `sdis difs`jkrn cntirks luenfis k duaturn`s.

> N gksti jk r `sdis trnfspnrkftk k `fdaus`vn.

> N gksti jk r `sdis j`fe`dn, `tkrnt`vn k dnpnz jk rkng`r n eujnfns.> N gksti jk r `sdis cndà`tn n ekalir`n diftfun jn irgnf`zni.

Xnrn n gksti jk r`sdis skr kdnz, difve quk uen irgnf`zni, ke tijis is fvk`s, ntkfjn

nis pr`fdpìs jksdr`tis n skgu`r.

n. N gksti jk r`sdis dr`n k pritkgk vnair.

N gksti jk r `sdis diftr`bu` pnrn n rkna`zni jkeifstrvka jis ibmkt`vis k pnrn n ekalir`n

ji jkskepkfli, rkckrkftk skgurnfn k snjk jns pkssins, difcire`jnjk akgna k rkguan-

tr`n, ndk`tni pba`dn, pritki ji ekì neb`kftk, quna`jnjk ji prijuti, ni gkrkf-

d`nekfti jk primktis, kd`fd`n fns ipkrnks, givkrfnfn k rkputni.


22/156

3

Gksti

jkR`sdisjkZ@FBR

2788;

b. N gksti jk r`sdis pnrtk ftkgrnftk jk tijis is pridkssis irgnf`zndìfn`s.

N gksti jk r `sdis fi uen nt`v`jnjk nutfien skpnrnjn jns pr`fd`pn`s nt`v`jnjks k

pridkssis jn irgnf`zni. N gksti jk r`sdis cnz pnrtk jns rkspifsnbà`jnjks jn nje`f`s-

trni k pnrtk `ftkgrnftk jk tijis is pridkssis irgnf`zndìfn`s, `fdau`fji i panfkmnekfti

kstrntg`di k tijis is pridkssis jk gksti jk primktis k gksti jk eujnfns.

d. N gksti jk r`sdis pnrtk jn tienjn jk jkd`sks.

N gksti jk r`sdis nuxà`n is tienjirks jk jkd`si n cnzkr ksdialns difsd`kftks, prìr`znr

nks k j`st`fgu`r kftrk cirens natkrfnt`vns jk ni.

j. N gksti jk r`sdis nbirjn kxpa`d`tnekftk n fdkrtkzn.

N gksti jk r`sdis kxpa`d`tnekftk akvn ke difs`jkrni n `fdkrtkzn, n fnturkzn jkssn `fdkr-

tkzn, k diei kan pijk skr trntnjn.

k. N gksti jk r`sdis s`stket`dn, kstruturnjn k ipirtufn.

[en nbirjngke s`stket`dn, ipirtufn k kstruturnjn pnrn n gksti jk r`sdis diftr`bu` pnrn

n kd`fd`n k pnrn is rksuatnjis difs`stkftks, diepnrvk`s k difvk`s.

c. N gksti jk r`sdis bnsk`n-sk fns ekalirks fcirenks j`spifvk`s.

Ns kftrnjns pnrn i pridkssi jk gkrkfd`nr r`sdis si bnsknjns ke ciftks jk `fcireni, tn`s

diei jnjis l`str`dis, kxpkr`fd`ns, rktrinaèkftni jns pnrtks `ftkrkssnjns, ibskr-

vnks, prkv`sks k ip`f`ks jk kspkd`na`stns. Kftrktnfti, difve quk is tienjirks jk

jkd`si sk `fcireke k akvke ke difs`jkrni qun`squkr aè`tnks jis jnjis iu eijk-

angke utà`znjis, iu n piss`bà`jnjk jk j`vkrgfd`ns kftrk kspkd`na`stns.

g. N gksti jk r`sdis ck`tn sib ekj`jn.

N gksti jk r`sdis kst na`flnjn die i diftkxti `ftkrfi k kxtkrfi jn irgnf`zni k die i

pkra ji r`sdi.

l. N gksti jk r`sdis difs`jkrn cntirks luenfis k duaturn`s.

N gksti jk r`sdis rkdiflkdk ns dnpnd`jnjks, pkrdkpks k `ftkfks ji pkssina `ftkrfi k

kxtkrfi, quk pijke cndà`tnr iu j`duatnr n rkna`zni jis ibmkt`vis jn irgnf`zni.

`. N gksti jk r`sdis trnfspnrkftk k fdaus`vn.

I kfviavèkfti npripr`nji k ipirtufi jk pnrtks `ftkrkssnjns k, ke pnrt`duanr, jis tien-

jirks jk jkd`si ke tijis is fvk`s jn irgnf`zni nsskgurn quk n gksti jk r`sdis pkren-

fkn pkrt`fkftk k ntuna`znjn. I kfviavèkfti tnebe pkre`tk quk ns pnrtks `ftkrkssnjns

skmne jkv`jnekftk rkprkskftnjns k tkflne suns ip`f`ks akvnjns ke difs`jkrni fn

jktkre`fni jis dr`trìs jk r`sdi.

m. N gksti jk r`sdis j`fe`dn, `tkrnt`vn k dnpnz jk rkng`r n eujnfns.

N gksti jk r`sdis dift`funekftk pkrdkbk k rkngk s eujnfns. ekj`jn quk ndiftkdke

kvkftis kxtkrfis k `ftkrfis, i diftkxti k i diflkdèkfti eij`dne-sk, i eif`tirnekfti

k n nfa`sk drt`dn jk r`sdis si rkna`znjis, fivis r`sdis surgke, nagufs sk eij`dne k

iutris jksnpnrkdke.


23/156

7

Dnptuai


o. N gksti jk r`sdis cndà`tn n ekalir`n diftfun jn irgnf`zni.

Difve quk ns irgnf`znks jkskfviavne k èpakekftke kstrntg`ns pnrn ekalirnr n sun

entur`jnjk fn gksti jk r`sdis, muftnekftk die tijis is jken`s nspkdtis jn sun irgnf`zni.

Kstks pr`fdpìs jn gksti jis r`sdis jkvke skr is firtknjirks jkstn fibrk nt`v`-

jnjk fi j`n n j`n jns irgnf`znks.

Firens jk gksti jk skgurnfn k jk r`sdis

q> Firen NBFZ FBR @TI/@KD 2788>=2883> Firen NBFZ FBR @TI/@KD 27882=288;

N rkn jk skgurnfn jn `fcireni pissu` ue difmufti jk firens pnrn skrke utà`znjns

fns en`s j`vkrsns irgnf`znks, n e jk pkre`t`r uen pnjrif`zni jis rkqu`s`tis k pridk-

jèkftis pnrn n èpakekftni jk ue TGT@.

Firen NBFZFBR @TI/@KD 2788>=2883

2 Zkdfiaig`n jn @fcireni Zdf`dns jk skgurnfn T`stkens jk gksti jk skgurnfnjn fcireni Rkqu`s`tis

2 Nprkskftn k jksdrkvk is rkqu`s`tis quk jkvke skr èpakekftnjis fi kstnbkakd`-ekfti jk ue T`stken jk Gksti jk Tkgurnfn jn @fcireni (TGT@).

> Firen NBFZ FBR @TI/@KD 27882=288;2 Zkdfiaig`n jn fcireni Zdf`dns jk skgurnfn Dj`gi jk prt`dn pnrn n gksti

jk skgurnfn jn `fcireni

2 Nprkskftn ns ekalirks prt`dns pnrn uen gksti njkqunjn jn skgurnfn jn `fcireni.

Xijkfji skr npa`dnjns n qunaqukr neb`kftk jk uen irgnf`zni (pnrt`duanrekftk ni neb`kftkjk Z@), kstns firens jkstndne n fkdkss`jnjk jns irgnf`znks jk pissurke uen gksti jk

r`sdis kstruturnjn, die n pnjrif`zni jk pridkssis k rkqu`s`tis jk gksti jk r`sdis.

Ke >00;, n die`ssi jk pnjrif`zni jn Nustra`n k Fivn ]kafj`n anfiu n prèk`rn

firen trntnfji ji tken= NT/F]T :438 Gksti jk R`sdi. Gkfr`dn, n firen kstnbkakdk ue

pridkssi jk gksti jk r`sdis nepanekftk ndk`ti, tkfji s`ji ntuna`znjn ke >000 (NT/F]T

:438=>000). Ke >003, n @ftkrfntìfna Irgnf`zntìf cir Ttnfjnrj`zntìf (@TI) drìu ue grupi

jk trnbnali bnsknji fn NT/F]T :438 pnrn dr`nr ue primkti jk gksti jk r`sdi, quk pnssiu

pir j`vkrsis pribakens k s ci` difdauji ke 2880.

qNBFZ FBR @TI 4>888=2880 Gksti jk R`sdis Xr`fdpìs k j`rktr`zks=> Firen quk cirfkdk is pr`fdpìs k j`rktr`zks gkfr`dns pnrn qunaqukr `fjstr`n iu sktir.> Dr`njn pnrn skr npa`dnjn n qunaqukr neb`kftk iu irgnf`zni.

NBFZ @TI G[@JK 74=2880 Gksti jk R `sdis Sidnbuarì=

> Firen quk nprkskftn ns jkf`ks jk tkreis gkfr`dis rkant`vis gksti jk r`sdis.> Rkckrfd`n jk difdk`tis a`gnjis gksti jk r`sdi.

NBFZ

Cufjnjn ke >0:8, n

Nssid`ni Brnsàk`rn

jk Firens Zdf`dns i

rgi rkspifsvka pkan

firena`zni tdf`dn

fi pns, cirfkdkfjin bnsk fkdkssr`n ni

jkskfviavèkfti tkdfi-

ag`di brnsàk`ri. uenkft`jnjk pr`vnjn, ske

c`fs audrnt`vis.

Tn`bn en`s

Ns firens jksdr`tns

ndèn si nprkskftnjns

fi dursi Gksti jk Tkgu-

rnfn jn @fcireni

FBR 2788> k 27882,

ickrkd`ji pkan Ksdian

Tupkrìr jk Rkjks.

a


24/156

8>8=2880 Gksti jk r`sdis Zdf`dns jk nvna`ni jk r`sdis=> Firen quk jkvk skr trnbnalnjn ke npiì firen NBFZ FBR @TI 4>888=2880 Gksti

jk R`sdis Xr `fdpìs k j`rktr`zks.

> Jksdrkvk ns j`vkrsns tdf`dns k ckrrnekftns jk nfa`sk jk r`sdi, k fi ci` n`fjn trnju-z`jn pkan NBFZ.

Ke 2880 anfnjn pkan @TI k èkj`ntnekftk pkan Nssid`ni Brnsàk`rn jk Firens Zd-f`dns (NBFZ) n firen NBFZ FBR @TI 4>888=2880 Gksti jk R`sdis Xr`fdpìs k j`rktr`zks.

Kstn firen cirfkdk is pr`fdpìs k j`rktr`zks gkfr`dns pnrn qunaqukr `fjstr`n iu sktir.

Fi eksei nfi ci` anfnjn n firen NBFZ @TI G[@JK 74=2880 Gksti jk R`sdis Sidnbu-

arì. Kan nprkskftn ns jkf`ks jk tkreis gkfr`dis rkant`vis gksti jk r`sdis. ûnfji

sk prktkfjk cnzkr rkckrfd`n n ue difdk`ti jk gksti jk r`sdis, jkvk skr utà`znjn n jk-

fì jn firen NBFZ @TI G[@JK 74=2880 Gksti jk R`sdis Sidnbuarì. Tkgufji n NBFZ=

Kstk gu`n cirfkdk ns jkf`ks jk tkreis gkfr`dis rkant`vis gksti jk r`sdis. Jkst`fn-sk

n fdkft`vnr uen dieprkkfsi etun k difs`stkftk, uen nbirjngke dikrkftk fn jksdrì

jns nt`v`jnjks rkant`vns gksti jk r`sdis k n utà`zni jk tkre`fiaig`n uf`cirek jk gksti

jk r`sdis ke pridkssis k kstruturns pnrn gkrkfd`nr r`sdis.

Ke 28>2, ci` anfnjn ke pirtugus n firen NBFZ FBR @TI/@KD 4>8>8=28>2 Gksti jk r`sdis

Zdf`dns pnrn i pridkssi jk nvna`ni jk r`sdis jkvk skr trnbnalnjn ke npiì firen

NBFZ FBR @TI 4>888=2880 Gksti jk R`sdis Xr`fdpìs k j`rktr`zks. N firen jksdrkvk ns

j`vkrsns tdf`dns k ckrrnekftns jk nfa`sk jk r `sdi, cirfkdkfji ir`kftnks sibrk n skaki

k npa`dni jk tdf`dns s`stket`dns pnrn i pridkssi jk nvna`ni jk r`sdis.

Kstk grupi jk firens jn sr`k 4>888 v`sn ntkfjkr n qunaqukr t`pi jk neb`kftk jk uen

irgnf`zni. Xripirdìfne, pirtnfti, uen difdkpi nepan k gkfr`dn jn gksti jk r`sdis,

skfji npa`dnjns pnrn nvna`nr k trntnr qunaqukr t`pi jk r`sdi dirpirnt`vi. Jurnftk i jkskf-

viavèkfti jkstns firens, ci` puba`dnjn ke 288888=2880, k pirtnfti ntkfjk nis skus

rkqu`s`tis k ni sku pridkssi jk gksti jk r `sdi. N @TI/@KD 2788; cnz pnrtk ji difmufti jk

firens jn sr`k jk 27888, sibrk i T`stken jk Gksti jk Tkgurnfn jn @fcireni (TGT@),

ifjk si `fdaujns n`fjn ns firens @TI/@KD 2788> k @TI/@KD 27882. Kstn firen nprkskftn ns

ekalirks prt`dns k piss`bà`tn i npricufjnekfti ke nspkdtis kxdaus`vis jn skgurnfn jn

`fcireni, kfqunfti n @TI 4>888 en`s gkfr`dn k diftkepan tijis is sktirks.

I kfciquk jkstk dursi kst fn firen NBFZ FBR @TI/@KD 2788;= 288< Zkdfiaig`n

jn @fcireni Zdf`dns jk Tkgurnfn Gksti jk r`sdis jk skgurnfn jn `fcir-eni. Is difdk`tis, pridkssis k nt`v`jnjks nprkskftnjis sk njkqune ni quk

pripk n firen NBFZ FBR @TI 4>888=2880 Gksti jk R`sdis Xr`fdpìs k j`rk-

tr`zks, pijkfji skr npa`dnjis ke qunaqukr iutrn rkn quk fi n jk Z@.


25/156

0

Dnptuai


I qunjri nbn`xi nprkskftn ue rksuei diepnrnt`vi kftrk kstns firens=

Firen Ztuai Ibmkt`vi Ibskrvni

2788> Zkdfiaig`n jn fcir-eni Zdf`dns jkskgurnfn T`stkensjk gksti jk skgu-rnfn jn fcireni Rkqu`s`tis

Kspkd`c`dn is rkqu`s`tis pnrn kstnbkakdkr,èpakekftnr, ipkrnr, eif`tirnr, nfna`snr dr`t`-dnekftk, enftkr k ekalirnr ue TGT@ jidu-ekftnji fi diftkxti jis r`sdis jk fkgdìgaibn`s jn irgnf`zni. Kspkd`c`dn rkqu`s`tispnrn n èpakekftni jk diftriaks jk skgu-rnfn pkrsifna`znjis pnrn ns fkdkss`jnjks`fj`v`jun`s jk irgnf`znks iu jk suns pnrtks.Dibrk tijis is t`pis jk irgnf`zni (keprk-kfjèkftis diekrd`n`s, ngfd`ns givkrfnekf-tn`s, irgnf`znks ske c`fs audrnt`vis, kftrkj`vkrsns iutrns).

Zrntn en`s kspkd`c`dn-ekftk jk j`rktr`zksk pr`fdpìs pnrn ues`stken jk gksti jkskgurnfn jn fcir-eni.

27882 Zkdfiaig`n jn fcir-eni Zdf`dns jkskgurnfn Dj`gi jkprt`dn pnrn n gkstijk skgurnfn jn fcir-eni

Kstnbkakdk j`rktr`zks k pr`fdpìs gkrn`s pnrn`f`d`nr, èpakekftnr, enftkr k ekalirnr ngksti jk skgurnfn jn `fcireni. Is ibmk-t`vis jkc`f`jis fkstn firen kstnbkakdke j`rk-tr`zks gkrn`s pnrn ns ektns k ekalirks prt`dnspnrn n gksti jn skgurnfn jn `fcireni.

Siatnjn pnrn diftriaksjk skgurnfn.

2788; Zkdfiaig`n jn fcir-eni Zdf`dns jkskgurnfn Gkstijk r`sdis jk skgu-rnfn jn `fcireni

Nprkskftn ue s`stken jk gksti jk r`sdis jkskgurnfn jn `fcireni die cidi ke tkdfi-aig`n jn fcireni.

Ksdanrkdk diei gkrkf-d`nr r`sdis jk skgu-rnfn jn fcireni.

4>888 Gksti jk r`sdis Xr`fdpìs k j`rktr`zks

Firen quk nprkskftn pr`fdpìs k j`rktr`zksbs`dns pnrn n gksti jk r`sdis ke gkrna kequnaqukr t`pi jk neb`kftk.

Kj`tnjn ke2880, jkstk nfi kej`nftk ns jken`sfirens jk gksti jkr`sdis jkvke kstnrna`flnjns n kan.

4>8>8 Gksti jk r`sdis Zdf`dns pnrn ipridkssi jk nvna`nijk r`sdis

Jksdrkvk ns j`vkrsns tdf`dns k ckrrnekftnsjk nfa`sk jk r`sdis.

Kj`tnjn ke 28>2.

G[@JK 74 Gksti jk r`sis Sidnbuarì

Nprkskftn ns jkc `f`ks jk tkreis gkfr`disrkant`vis gksti jk r`sdis.

Kj`tnjn ke 2880.

Firen NBFZ FBR @TI/@KD 2788;=288 Nprkskftn ns j`rktr`zks pnrn i gkrkfd`nekfti jis r`sdis jk skgurnfn jn `fcireni.

> Keprkgn is difdk`tis jn firen NBFZ FBR @TI 2788>=288;.

N firen NBFZ FBR @TI/@KD 2788;=288< Zkdfiaig`n jn @fcireni Zdf`dns jk Tkgu-

rnfn Gksti jk r`sdis jk skgurnfn jn `fcireni ci` puba`dnjn ke muali jk 288< k

nprkskftn ns j`rktr`zks pnrn i gkrkfd`nekfti jis r`sdis jk skgurnfn jn fcireni.

Keprkgn is difdk`tis jn firen NBFZ FBR @TI 2788>=288;, quk kspkd`dn is rkqu`s`tis jk

s`stkens jk gksti jn skgurnfn jn `fcireni.

Znbkan >.2

Rksuei

diepnrnt`vi kftrk

ns firens.
http://www.qsp.org.br/siso_27000.shtmlhttp://www.qsp.org.br/siso_27000.shtml


26/156

>8

Gksti

jkR`sdisjkZ@FBR

2788;

Kstn firen jksdrkvk tiji i pridkssi fkdkssrì pnrn n gksti jk r`sdis jk skgurnfn jn

`fcireni k ns nt`v`jnjks fkdkssr`ns pnrn n pkrck`tn kxkdui jn gksti. Nprkskftn pr-

t`dns pnrn gksti jk r`sdis jn skgurnfn jn `fcireni. Ns tdf`dns fkan jksdr`tns skguke

i difdk`ti, is eijkais k is pridkssis gaibn`s kspkd`dnjis fn firen NBFZ FBR @TI/@KD

2788>, nae jk nprkskftnr n ektijiaig`n jk nvna`ni k trntnekfti jis r`sdis rkqukr`jis

pkan eksen firen.

Xnrt`fji ji pr`fdpì jk quk n gksti jk r`sdis ue pridkssi dda`di k diftfui, n firenkst j`v`j`jn ke skssks k nfkxis. Ns skssks difte ns `fcirenks ji pridkssi k jns

nt`v`jnjks fkdkssr`ns pnrn n sun kxkdui. Kx`stke >2 skssks ni tiji= ns skssks jk >

n : trntne jns rkckrfd`ns k jn kstruturn jn firen, k ns skssks ; k 3 nprkskftne n v`si

gkrna ji pridkssi jk gksti jk r`sdis. Ns skssks n pnrt`r jn 7 trntne kspkd`dnekftk ji

pridkssi jk gksti jk r`sdis. Is sk`s nfkxis si `jkft`dnjis jk N n C k trnzke `fcirenks

nj`dìfn`s k kxkepais.

Fns skssks jk 7 n >2 ns nt`v`jnjks jk gksti si nprkskftnjns jk ndirji die n

skgu`ftk kstruturn=

> Kftrnjn= rkckrk-sk nis `fsueis k prke`ssns fkdkssr`ns pnrn n rkna`zni jn nt`v`jnjk.

> Ni= jksdrì jn nt`v`jnjk, skeprk ndiepnflnjn ji difve.

> J`rktr`zks pnrn epakekftni= j`rktr`zks fkdkssr`ns pnrn n rkna`zni jn ni, `sti ,i jktnalnekfti jk diei n ni pijk skr rkna`znjn. Kstns j`rktr`zks jkvke skr njnptnjns

n dnjn t`pi jk irgnf`zni. Znebe ksti ndiepnflnjns ji difve.

> Tnjn= nprkskftn is rksuatnjis quk jkvke skr nadnfnjis k quk vi skrv`r pnrn gkrnr kv`jfd`ns.

Kstk dursi utà`zn i pridkssi jk gksti jk r`sdis firent`znji dift`ji fn firen NBFZ FBR

@TI/@KD 2788;.

S`si gkrna jn gksti jk r`sdis

q> fkdkssr`n uen nbirjngke s`stket`dn jk gksti jk r`sdis quk vnr`n jk irgnf`-

zni pnrn irgnf`zni nssè diei i fvka jk r`sdi ndk`tvka jk dnjn uen.

> R`sdi ndk`tvka i grnu jk r`sdi quk n irgnf`zni kst j`spistn n ndk`tnr pnrn dif-drkt`znr is skus ibmkt`vis.

> Fkdkss`jnjk jk nuekftnr n dnpnd`jnjk jk gkr`r i r`sdi k itè`znr i rktirfi.

> N nbirjngke jk gksti jk r`sdis jk skgurnfn jn `fcireni jkvk skr=

2 Diftfun.

2 Rkna`znjn fi tkepi npripr`nji.

2 Rkpkt`t`vn.2 Xrpr`n ni neb`kftk jn irgnf`zni.

2 Nmustnjn ni pridkssi jk gksti jk r`sdis dirpirnt`vis.

2 Na`flnjn die is rkqu`s`tis jk fkgdìs.

2 Npi`njn pkan natn j`rki.

Gksti jk r`sdis si nt`v `jnjks cirena`znjns k diirjkfnjns pnrn diftrianr k j`r`g`r ue dif-

mufti jk `fstnanks k pkssins die rkanks k rkspifsnbà`jnjks, kftrk s` k kxtkrfnekftk,

fi quk sk rkckrk n r`sdis fis fkgdìs sib n t`dn jn skgurnfn jn `fcireni.


27/156

>>

Dnptuai


Jkfì ji diftkxti?

> Nfa`sk/Nvna`ni jk r`sdis?

> Zrntnekfti ji r`sdi?

> Ndk`tni ji r`sdi?

> Dieuf`dni ji r`sdi?

> Eif`tirnekfti k nfa`sk drt`dn?> D`dai jk ekalir`n diftfun XJDN.

N Znbkan >.4 eistrn ns pr`fd`pn`s nt`v`jnjks jk gksti jk r`sdis jn skgurnfn jn fcireni.

Xridkssi ji TGT@ Xridkssi jk gksti jk r`sdis jk skgurnfn jn fcireni

XANFKMNR

>Jkc`fì ji diftkxti>Nfa`sk/Nvna`ni jk r`sdis>Jkc`fì ji panfi jk trntnekfti ji r `sdi>Ndk`tni ji r`sdi

K\KD[ZNR @epakekftni ji panfi jk trntnekfti ji r`sdi

SKR@C@DNR Eif`tirnekfti diftfui k nfa`sk drt`dn jk r`sdis

NG@REnfutkfi k ekalir`n ji pridkssi jk gksti jk r `sdis jk skgu-rnfn jn `fcireni

Ke sku a`vri Jksni nis jkusks= n cnsd`fnftk l`str`n ji r`sdi, Xktkr Bkrfstk`f fis prk-

skftk`n die uen jktnalnjn nfa`sk l`str`dn jn kviaui ji diftriak k prkv`si jis r`sdis

pkan luenf`jnjk, jksjk n Grd`n nft`gn. Tkgufji i nutir, sieis pissu`jirks jk kakvnji

pitkfd`na tdf`di pnrn n prkvkfi jns pkrjns k gnflis, eksei quk i diepirtnekfti jis

ngkftks skmn eprkv`svka. Fns suns pnanvrns= ... ndiftkn i quk ndiftkdkr k npksnr jk tijis

is fissis ksciris, is skrks luenfis fi pissuke i diflkdèkfti diepakti sibrk ns ak`s

quk jkfke n irjke ji eufji ibmkt`vnekftk kx`stkftk. Xirtnfti, i nutir fis jksquna`-

dn diei prkv`sirks pkrck`tis ji cuturi.

Bkrfstk`f j`z n`fjn quk ûnfji `fvkst`jirks dieprne nks, d`rurg`ks rkna`zne ipkrn-

ks, kfgkflk`ris primktne piftks, keprksrìs nbrke skus fkgdìs k piat`dis difdirrke

n dnrgis kakt`vis, i r`sdi ue pnrdk`ri `fkv`tvka. Diftuji, suns nks rkvkane quk i r`sdi

fi prkd`sn skr ti tke`ji= nje`f`strnr i r`sdi s`ffèi jk jksni k ipirtuf`jnjk.

I r`sdi cnz pnrtk jk fissi dit`j`nfi, jk eiji quk prkd`sneis diflkd-ai pnrn pijkr trnt-

-ai k jkak kxtrn`r fivns ipirtuf`jnjks.

`fqukstìfvka n èpirtfd`n ji pnpka quk n tkdfiaig`n jn `fcireni kxkrdk fn sid`k-

jnjk pnrn quk kstn nadnfdk skus ibmkt`vis. N `ftkgrni ji neb`kftk tkdfiag`di, dnrndtk-r`znji pkan diepakx`jnjk k `ftkrjkpkfjfd`n, prijuz diftkxtis eu`tns vkzks list`s quk

prip`d`ne ntnquks dnjn vkz en`s crkqukftks skgurnfn jn `fcireni, kx`g`fji rkspistns

dnjn vkz en`s rp`jns jns irgnf`znks. N kstk qunjri ve sienr-sk fivns ibr`gnks

akgn`s, jk pritki jk pr`vnd`jnjk k givkrfnfn dirpirnt`vn, gkrnfji n fkdkss`jnjk jns

irgnf`znks gkrkfd`nrke en`s kckt`vnekftk sun `fcrnkstruturn jk tkdfiaig`n.

Xnrn kfcrkftnr kstns fivns neknns k jkenfjns ns irgnf`znks jkvke jkskfviavkr uen

nt`tujk print`vn, nftkd`pnfji-sk ke diflkdkr suns crnqukzns k vuafkrnbà`jnjks. @sti pijk

skr ibt`ji ntrnvs jn njii jk ue pridkssi cirena jk gkrkfd`nekfti jk r`sdis jk skgu-

rnfn jn `fcireni, quk pkre`tn irgnf`zni kstnbkakdkr ue fvka ndk`tvka jk r`sdi.

Znbkan >.4

Xr`fd`pn`s

nt`v`jnjks jk

gksti jk r`sdis

jn skgurnfn jn

`fcireni.

Tn`bn en`s

J`dn jk ak`turn=

BKRFTZK@F, Xktkr.Jksni nis jkusks= n cns-

d`fnftk l`str`n ji r`sdi.Kj`tirn Dnepus, >007.

a


28/156

>2

Gksti

jkR`sdisjkZ@FBR

2788;

Xnrn `ssi fkdkssr`n uen nbirjngke s`stket`dn jk gksti jk r`sdis, quk `r vnr `nr jk

ndirji die i fkgdì jk dnjn irgnf`zni, nssè diei i fvka jk r`sdi ndk`tvka kstnbkak-

d`ji pkan j`rki jk dnjn irgnf`zni.

R`sdindk`tvka i grnu jk r`sdi quk n irgnf`zni kst j`spistn n ndk`tnr pnrn n

difdrkt`zni jis skus ibmkt`vis kstrntg`dis.

Kxkrddì jk c`xni 2kS`si gkrna

Fn sun irgnf`zni, quna skr`n i r`sdi ndk`tvka fn rkna`zni jns suns nt`v`jnjks9 Kxpa`quk.

Nuekftnr n dnpnd`jnjk jk gkr`r i r `sdi k itè`znr i rktirfi si nks `ftkgrnftks jk uen

nbirjngke s`ste`dn, quk pripirdìfn ue pridkssi cirena pnrn n ekalir`n jn dnpnd`jnjk

jk `jkft`dnik nvna`ni jis r`sdis. Kstn nbirjngke jkvk kstnr jk ndirji die is ibmk-

t`vis jn irgnf`zni, ntkfjkfji s suns fkdkss`jnjks kspkddns jk ndirji die is rkqu`-

s`tis jk skgurnfn jn `fcireni. Xnrn `ssi, n nbirjngke jk gksti jk r`sdis jk skgurnfn

jn `fcireni jkvk skr=

> Diftfun?

> Rkna`znjn fi tkepi npripr`nji?

> Rkpkt`t`vn?

> Jk ndirji die i neb`kftk jn irgnf`zni?

> Nmustnjn ni pridkssi jk gksti jk r`sdis dirpirnt`vis?> Na`flnjn die is rkqu`s`tis jk fkgdìs?

> Npi`njn pkan natn j`rki.

Xnrt`fji ji difdk`ti nepai jk quk i pridkssi jk gksti diepisti jk nt`v`jnjks diirjkfnjns

k cirena`znjns pnrn diftrianr k j`r`g`r uen irgnf`zni cirenjn pir suns `fstnanks k pkssina,

die rkanks k rkspifsnbà`jnjks kftrk s` k die ngkftks kxtkrfis , pijk-sk `fckr`r quk n gksti

jk r`sdis diepistn jk nt`v`jnjks cirena`znjns k diirjkfnjns pnrn diftrianr k j`r`g`r ue

difmufti jk `fstnanks k pkssins die rkanks k rkspifsnbà`jnjks, kftrk s` k die i neb`kftk

kxtkrfi, fi quk sk rkckrk n r`sdis fis fkgdìs sib n t`dn jn skgurnfn jn `fcireni.
http://pt.shvoong.com/tags/risco/http://pt.shvoong.com/tags/identificar/http://pt.shvoong.com/tags/identificar/http://pt.shvoong.com/tags/risco/


29/156

>4

Dnptuai


N C`gurn >.> nprkskftn uen v`si ji pridkssi jk gksti jk r`sdis jk skgurnfn jn fcir-

eni skgufji n firen NBFZ FBR @TI/@KD 2788;.

@JKFZ@C@DNI JK R@TDIT

NFA@TK JK R@TDIT

NDK@ZNI JI R@TDI

C@E JN XR@EK@RN I[ JNT JKEN@T @ZKRNKT

DIE[F@DN

IKDIFT[AZNJIR@TDI

EIF@ZIRNEKFZI

KNFA@TKDRZ@DNJKR@TDIT

XIFZI JK JKD@TI 2

Zrntnekfti snt`scntrì

XIFZI JK JKD@TI >

Nvna`ni snt`scntr`n

Fi

Tè

Fi

Tè

XRIDKTTI JK NSNA@NI JK R@TDIT

ZRNZNEKFZI JI R@TDI

NSNA@NI JK R@TDIT

JKC@F@I JI DIFZK\ZI

I pridkssi tke sk`s grnfjks grupis jk nt`v `jnjks=

> Jkfì ji diftkxti?

> Nfa`sk/Nvna`ni jk r`sdis?

> Zrntnekfti ji r`sdi?

> Ndk`tni ji r`sdi?

> Dieuf`dni ji r`sdi?

> Eif`tirnekfti k nfa`sk drt`dn.

Diei pijk skr v`sti fn C`gurn >.>, i d`dai jk v`jn jn gksti jk r`sdis jk skgurnfn jn `fcir-

eni `tkrnt`vi, ifjk n gksti sk jkskfviavk jk enfk`rn `fdrkekftna, ntrnvs jk uen

sudkssi jk `tkrnks, k dnjn `tkrni a`bkrn uen kftrkgn (snjn) pnrn n skgu`ftk, e`fè`-

znfji tkepi k ksciri.

Jkc`fì ji diftkxti

Jkftri ji pridkssi, n jkfì ji diftkxti rkspifsvka pkan jkfì ji neb`kftk,

ksdipi, dr`trìs jk nvna`ni, kftrk iutrns jkf`ks.

C`gurn >.>

Xridkssi jk

gksti jk r`sdis

jk skgurnfn jn

`fcireni.


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>:

Gksti

jkR`sdisjkZ@FBR

2788;

Kstn ktnpn ksskfd`na pnrn n kqu`pk quk rkna`zn n gksti jk r `sdi diflkdkr tijns ns `fcir-

enks sibrk n irgnf`zni.

Nfa`sk/Nvna`ni jk r`sdis

N prxèn `tkrni jk nfa`sk k nvna`ni jk r`sdi, quk pkre`t`r n `jkft`dni jis r`sdis

k n jktkre`fni jns nks fkdkssr`ns pnrn rkjuz`r i r`sdi n ue fvka ndk`tvka.

Zrntnekfti ji r`sdi

N pnrt`r jis rksuatnjis ibt`jis fn nfa`sk k nvna`ni ji r`sdi si jkf`jis is diftriaks

fkdkssrìs pnrn i trntnekfti ji r`sdi. N firen NBFZ FBR @TI/@KD 2788> kspkd`dn is

diftriaks quk jkvkri skr èpakekftnjis.

Ndk`tni ji r`sdi

Nsskgurn is r`sdis ndk`tis pkan irgnf`zni, iu skmn, is r`sdis quk pir nague eit`vi fi

skri trntnjis iu skri trntnjis pnrd`naekftk. Ti is dlnenjis r`sdis rks`jun`s, dumi

kfqunjrnekfti fkstn dntkgir`n jkvkr skr must`dnji.

Dieuf`dni ji r`sdi

Fkstn ktnpn ck`tn n dieuf`dni ji r`sdi k jn ciren diei skr trntnji, pnrn tijns ns

rkns ipkrndìfn`s k skus gkstirks.

Eif`tirnekfti k nfa`sk drt`dn

Ti ns nt`v`jnjks jk ndiepnflnekfti jis rksuatnjis, èpakekftni jis diftriaks k jk

nfa`sk drt`dn pnrn n ekalir`n diftfun ji pridkssi jk gksti jk r `sdis.

Zijns kstns ktnpns skri jktnalnjns fns prxèns skssks.

N firen NBFZ FBR @TI/@KD 2788> kspkd`dn quk is diftriaks èpakekftnjis fi ksdipi,

aè`tks k diftkxti ji T`stken jk Gksti jk Tkgurnfn jn @fcireni (TGT@) jkvke kstnr

bnsknjis fi r`sdi. Kstk rkqu`s`ti jkvk skr ntkfj`ji ntrnvs jn npa`dni ji pridkssi jk

gksti jk r`sdis jk skgurnfn jn `fcireni.

Fi neb`kftk jk ue TGT@, n jkfì ji diftkxti, n nfa`sk k nvna`ni jk r`sdis, i jkskf-

viavèkfti ji panfi jk trntnekfti ji r`sdi k n ndk`tni ji r`sdi cnzke pnrtk jn cnsk Xan-

fkmnr ji d`dai jk ekalir`n diftfun XJDN. M n cnsk Kxkdutnr ji TGT@ n èpakekftni

jk diftriaks pnrn difjuz`r is r`sdis ni fvka ndk`tvka pkan irgnf`zni. N cnsk Skr`dnr

ji TGT@, pir sun vkz , `fdau` ns nks jk rkv`si. C`fnaekftk, n cnsk Ng`r dieprkkfjk ns

nks fkdkssr`ns pnrn kxkdui, `fdau`fji n rknpa`dni ji pridkssi jk gksti jk r`sdis jk

skgurnfn jn `fcireni.

Xijkeis rksue`r jn skgu`ftk ciren ns pr`fd`pn`s nt`v`jnjks jk Gksti jk r`sdis jk skgu-rnfn jn fcireni=


XANFKMNR

Jkc`fì ji diftkxti

Nfa`sk/Nvna`ni jk r`sdis

Jkc`fì ji panfi jk trntnekfti ji r `sdi

Ndk`tni ji r`sdi

K\KD[ZNR @epakekftni ji panfi jk trntnekfti ji r`sdi


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>;

Dnptuai



SKR@C@DNR Eif`tirnekfti diftfui k nfa`sk drt`dn jk r`sdis

NG@REnfutkfi k ekalir`n i pridkssi jk Gksti jk R`sdis jk Tkgu-rnfn jn @fcireni

Enfutkfik ekalir`nji pridkssi

Eif`tirnekftik nfa`skdrt`dn

@epakekftnri panfi jktrntnekfti

Ndk`tniji r`sdi

Jkfìji panfi jktrntnekfti

Nfa`sk/Nvna`nijk r`sdis

Jkfìji diftkxti

NG@R

XANFKMNR

XANFK

MNR

XA

NFKMN

R

XANFKMNR

K\KD

[ZNR

SKR

@C

@DNR

Kxkrddì jk c`xni 4kXJDN

Kxpa`quk diei n cnsk panfkmnr (XJDN) ji pridkssi ji TGT@ kxkdutnji fi pridkssi jk

gksti jk r`sdis jk skgurnfn jn `fcireni.

Cntirks drt`dis pnrn i sudkssi

q>Rkjui jns surprksns ipkrndìfn`s k prkmuzis.

> @jkft`dni jk ipirtuf`jnjks jk drksdèkfti k ekalir`ns.

> Rndìfna`zni ji dnp`tna kstnbkakdkfji uen irjke jk prìr`jnjks jk `fvkstèkfti.

> Xr-nt`v`jnjk die i usi jis rkdursis dieputndìfn`s fis fkgdìs.

> Kfviavèkfti k pnrt`d`pni jn natn j`rki fi pridkssi.> Dieuf`dni k trk`fnekfti.

> Jkfì jk ibmkt`vis.

> Xnp`s k rkspifsnbà`jnjks jkf`jis.

> @ftkgrni die ns nt`v`jnjks jk gksti jk skgurnfn jn `fcireni.

C`gurn >.2

Xridkssi jk gksti

jk r`sdis k i

eijkai XJDN.


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>3

Gksti

jkR`sdisjkZ@FBR

2788;

N gksti jk r `sdis jk skgurnfn jn `fcireni èpakekftnjn pkans irgnf`znks fn

busdn pir vnftngkfs diepkt`t`vns pnrn is fkgdìs. cufjnekftna jkeifstrnr, pnrn ns

pnrtks `ftkrkssnjns, uen pisturn jk skgurnfn fn gksti jis r`sdis rkandìfnjis pri-

tki jis nt`vis k `fcirenks.

Is cntirks drt`dis pnrn i sudkssi ksti rkandìfnjis nis bkfkcdìs quk jkvke skr nadnf-

njis pkans irgnf`znks, n jkpkfjkr jn fnturkzn jk dnjn irgnf`zni. Xnrn nt`fg`r tn`s

bkfkcdìs prkd`si rkna`znr ns ktnpns quk kfviavke is cntirks drt`dis pnrn i sudkssi.Diei kxkepais jkstks cntirks pijkeis ekfdìfnr is a`stnjis n skgu`r.

Kfviavèkfti k pnrt`d`pni jn natn j`rki fi pridkssi

ksskfd`na pnrn i sudkssi jk qunaqukr primkti quk n j`rki kstkmn kfviav`jn k diepriekt`jn

die i sku jkskfviavèkfti k sudkssi jk ndirji die is ibmkt`vis kstrntg`dis jkf`jis.

Dieuf`dni k trk`fnekfti

Ziji i pridkssi prkd`sn skr dieuf`dnji n tijns ns pnrtks kfviav`jns nftks ji sku fdì,

jurnftk i sku jkskfviavèkfti k nps sun difdausi, die n nprkskftni jis rksuatnjis

nadnfnjis k ektns nt`fg`jns. Ke ue pridkssi jk gksti jk r `sdis tijis is pnrt`d`pnftks

jkvke skr kfviav`jis, k pnrn `ssi fkdkssr`n n rkna`zni jk dnepnflns jk difsd`kft`-

zni k trk`fnekftis.

Jkc`fì jk ibmkt`vis

I kstnbkakdèkfti jk ibmkt`vis diftr`bu` jkd`s`vnekftk die i nadnfdk jns ektns jn gksti

jk r`sdis.

Xnp`s k rkspifsnbà`jnjks jkc`f`jns

Zijis is `ftkgrnftks jns pnrtks kfviav`jns jkvke diflkdkr ns suns ntr`bu`ks k rkspifsn-

bà`jnjks jurnftk tiji i pridkssi jk gksti jk r`sdis jk skgurnfn jn `fcireni.

@ftkgrni die n gksti jk skgurnfn jn `fcireni

Ns nt`v`jnjks jk gksti jk r`sdis jkvke kstnr titnaekftk `ftkgrnjns s nt`v`jnjks ji TGT@.

Fi jkskfviavèkfti jkstk dursi skri kxpairnjis is cntirks dr t`dis jk sudkssi pkrtkf-

dkftks n dnjn ktnpn jn gksti jk r`sdis jk skgurnfn jn `fcireni.

rkns jk diflkdèkfti fkdkssr`ns

qIs prissìfn`s kfviav`jis fns nt`v`jnjks jk nfa`sk jk r`sdi pissuke ue pkra diediflkdèkfti ke j`vkrsns rkns=

> Zdf`di.

> Fkgdìs.

> Akg`sani.

> Xridkssis.

Xnrn n ekalir npa`dni ji pridkssi jk gksti jk r`sdis, èpirtnftk quk is prissìfn`s

kfviav`jis pissune ue pkra die diflkdèkfti jk rkns j`vkrsns, pkre`t`fji n `jkft`-

dni jns neknns k vuafkrnbà`jnjks ke qunaqukr neb`kftk irgnf`zndìfna.

Fn kqu`pk kfdnrrkgnjn jn rkna`zni jn nfa`sk jk r`sdi prkckrkfd`naekftk jkvke skr

kfdiftrnjis is skgu`ftks pkrs=


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>7

Dnptuai


> Zdf`di= diftr`bu` fi ntkfjèkfti jns jkenfjns jns j`vkrsns rkns tdf`dns jn irgnf`-zni, `fdau`fji ns rkns jk lnrjwnrk, sictwnrk, s`stkens ipkrndìfn`s, `fcrnkstruturn k

npa`dnks wkb, kftrk iutrns.

> Fkgdìs= nuxà`n n kqu`pk fi kftkfjèkfti prkd`si jis fkgdìs jn irgnf`zni k skuseat`pais pridkssis, nae jk tkr èpirtfd`n fi daduai jis èpndtis.

> Akg`sani= pkra viatnji ni kftkfjèkfti jis nspkdtis akgn`s k firent`vis die isqun`s n irgnf`zni nfna`snjn fkdkss`tn sk na`flnr.

> Xridkssis= pkre`tk n dieprkkfsi jis pridkssis k ntrnvs jk sun nfa`sk `jkft`dn pis-svk`s neknns k vuafkrnbà`jnjks, diftr`bu`fji die n kanbirni jk panfis jk gksti k

trntnekfti jk r`sdis.

Kstks si nagufs kxkepais jk pkrs iu diflkdèkftis fkdkssrìs pnrn n nfa`sk jk r`sdi.

I t`pi jn irgnf`zni k skus ibmkt`vis jk fkgdìs `fj`dnri is pkrs rknaekftk èpirtnftks

pnrn diepir n kqu`pk jk trnbnali. Fi kx`stk n fkdkss`jnjk jk ue prissìfna pnrn dnjn

pkra d`tnji, pi`s is diflkdèkftis pijke skr kfdiftrnjis ke ue eksei prissìfna.

N qunft`jnjk jk prissìfn`s naidnjis skr jktkre`fnjn pkai ksdipi jn nfa`sk k prnzi.

Ak`turn diepakekftnr

> Tkssks :, ; k 3 jn firen NBFZ FBR @TI/@KD 2788;.

> @tke : jn Firen Diepakekftnr Gksti jk R`sdis jk Tkgurnfn jn @fcireni k Dieuf`-dnks GRT@D, ji JT@D/GT@/XR= lttp=//js`d.panfnati.giv.br/jiduekftis/fdY8:Ygrs`d.pjc

> Kftkrpr`sk R`so Enfngkekft= Xnst, Xrkskft nfj Cuturk=lttp=//www.dnsndt.irg/kjudntìf/kre/288:/lnfjiuts/oaienf.pjc

> @ftkrj`sd`pa`fnry R`so Enfngkekft=lttp=//www.r`so`fci.die/rer/rermuf8;.lte

> ûntri j`dns pnrn uen gksti jk r `sdis kd`kftk=lttp=//dì.uia.die.br/gkstni/2880/87/84/quntri-j`dns-pnrn-n-bin-gkstni-jk-r`sdis/

> NT/F]T :438=lttp=//www.stnfjnrjs.irg.nu/

> L`str`n jn NT/F]T :438=lttp=//www.r`so`fci.die/rer/rerskpt88.lte
http://dsic.planalto.gov.br/documentos/nc_04_grsic.pdfhttp://www.casact.org/education/erm/2004/handouts/kloman.pdfhttp://www.riskinfo.com/rmr/rmrjun05.htmhttp://cio.uol.com.br/gestao/2009/07/03/quatro-dicas-para-a-boa-gestao-de-riscos/http://www.riskinfo.com/rmr/rmrsept00.htmhttp://www.riskinfo.com/rmr/rmrsept00.htmhttp://cio.uol.com.br/gestao/2009/07/03/quatro-dicas-para-a-boa-gestao-de-riscos/http://www.riskinfo.com/rmr/rmrjun05.htmhttp://www.casact.org/education/erm/2004/handouts/kloman.pdfhttp://dsic.planalto.gov.br/documentos/nc_04_grsic.pdf


34/156

>0

Dnptuai

>-Ritk`rijkNt`v`jnjks

Ritk`ri jk Nt`v`jnjks >

Nt`v`jnjk >.> Diflkdkfji is difdk`tis

Xnrn dnjn difdk`ti n skgu`r, kxpa`quk k nprkskftk ue kxkepai bnsknji fn irgnf`zni kequk vid trnbnaln. Must`quk sun rkspistn=

Difdk`ti Jkc`fì Kxkepai Must`c`dnt`vn

R`sdis jk skgurnfnjn `fcireni

@jkft`c`dni jk r`sdis

@epndti

Diepnrtàlnekfti jir`sdi

Kv`tnr i r`sdi

Dieuf`dni ji r`sdi

Kstènt`vn ji r`sdi

Zrntnekfti ji r`sdi

Ndk`tni ji r`sdi

Nt`v`jnjk >.2 Diflkdkfji n firen

Jksdrkvn diei kst irgnf`znjn n firen NBFZ FBR @TI/@KD 2788;, d`tnfji suns skssks.

Kxpa`quk diei ksti kstruturnjns ns nt`v `jnjks jns skssks 7 n >2 jn firen

NBFZ FBR @TI/@KD 2788;.


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28

Gksti

jkR`sdisjkZ@FBR

2788;

Nt`v`jnjk >.4 @jkft`c`dnfji i pridkssi

Jksdrkvn n skqufd`n jns ktnpns ji pridkssi jk gksti jk r`sdis.

Nt`v`jnjk >.: Cntirks drt`dis

I quk n gksti jk r`sdis jk skgurnfn jn `fcireni k diei kan sk npa`dn fn sun irgnf`zni9

ûn`s si is cntirks dr t`dis jk sudkssi9 J kxkepais bnsknjis fn sun irgnf`zni.

Ke sun ip`fì quna n èpirtfd`n jk kftkfjkreis n gksti jk r`sdi pnrn i kxkrddì jns

fissns nt`v`jnjks dit`j`nfns9

I quk ci` nprkfj`ji

q> Difdk`ti jk gksti jk r`sdi.> S`si gkrna jn gksti jk r`sdi.> Cntirks drt`dis jk sudkssi.


37/156

2>

Dnptuai

2-Diftkxtijngkstijkr`sd

is

ibmkt`vis

difdk`tis

2Diftkxti jn gksti jk r`sdis

Difdk`tunr k jkf`r i diftkxti ji neb`kftk jn gksti jk r`sdis? `jkft`dnr i ksdipi

k ns nt`v`jnjks jk jkfì jk dr`trìs fi pridkssi jk gksti jk r`sdis.

Diftkxti, ksdipi, aè`tks k dr`trìs.

@ftrijui

Ni `f`d`nr qunaqukr t`pi jk trnbnali, n prèk`rn nt`v`jnjk n skr ck`tn diflkdkr i neb`kftk ke

quk i trnbnali skr jkskfviav`ji, ns pkssins quk jk naguen ciren `ri `ftkrng`r, i quk skr

jkskfviav`ji? ke rksuei, diflkdkr i tkrrkfi pnrn snbkr difjuz`r i nfjnekfti jis trnbnalis.

Fns nt`v`jnjks quk kfviavke gksti jk r`sdis jk skgurnfn jn `fcireni n jkfì ji dif-

tkxti n pnrtk `f`d`na k tke diei ibmkt`vi pkre`t`r i diflkdèkfti ji neb`kftk jn irgnf`zni.

Kxkrddì jk f`vkanekfti >kDiftkxtiFi sku kftkfjèkfti quna i diftkxti ntuna jn sun irgnf`zni9

Xridkssi jk gksti jk r`sdis jk skgurnfn jn `fcireni q> Diflkdkr n skqufd`n jns cnsks jn gksti jk r`sdis.> Zkr ndkssi n tijn n jiduekftni jn irgnf`zni.

Fn skssi nftkrìr ci` nprkskftnjn n v`si gkrna ji pridkssi jk gksti jk r`sdis. fkdks-

srì quk i diflkdèkfti jn skqufd`n jns cnsks ji pridkssi cnn pnrtk ji j`n n j`n jis

prissìfn`s kfviav`jis die n gksti jk r`sdis.


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22

Gksti

jkR`sdisjkZ@FBR

2788;


NFA@TK JK R@TDIT

NDK@ZNI JI R@TDI


DI

E[F@DNIKDIFT[AZNJIR@TDI

EIF@Z

IRNEKFZIKNFA@TKDRZ@DNJKR@TDIT

XIFZI JK JKD@TI 2


XIFZI JK JKD@TI >

Nvna`ni snt`scntr`n

Fi

Tè

Fi

Tè


ZRNZNEKFZI JI R@TDI

NSNA@NI JK R@TDIT

JKC@F@I JI DIFZK\ZI

Xnrn rkna`znr kstn nt`v`jnjk, is prissìfn`s jkvkri tkr ndkssi n tijn jiduekftni sibrk n

irgnf`zni, pkre`t`fji nssè i nepai diflkdèkfti sibrk ns kspkd`d`jnjks jn irgnf`zni.

Diftkxti

fkdkssrì kftkfjkr i s`gf`dnji difdk`tuna jk diftkxti k sun npa`dni fn gksti jk

r`sdis. Ni busdnr i sku s`gf`dnji fis j`dìfrìs, kfdiftrn-sk, kftrk iutrns jkf`ks,

quk diftkxti ue substnft`vi ensdua`fi quk s`gf`dn `ftkr-rkani jk d`rdufstfd`ns quk

ndiepnflne ue cnti iu uen s`tuni.

Nssè, ni fis rkckr`reis n diftkxti qukrkeis fn vkrjnjk trntnr jn titna`jnjk jk d`rdufstf-

d`ns quk piss`bà`tne, difj`dìfne iu jktkre`fne n rkna`zni jk ue tkxti, primkti, nt`v`-jnjk iu eksei jk ue kvkfti jk skgurnfn jn `fcireni. Ke iutrns pnanvrns, diftkxti i

difmufti jk d`rdufstfd`ns quk sk rkandìfne jk naguen ciren die ue jktkre`fnji ndiftkd`-

ekfti. n s`tuni gkrna iu i neb`kftk n quk kst skfji rkckr`ji ue jktkre`fnji nssufti.

Dlneneis jk diftkxtuna`zni n nt`v`jnjk jk enpknr tiji i neb`kftk quk kfviavk

i kvkfti ke nfa`sk. Fi pridkssi jk gksti jk r`sdis kstn n prèk`rn nt`v`jnjk n

skr jkskepkflnjn.

C`gurn 2.>

Jkfì jidiftkxti.


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24

Dnptuai


is

Tkgufji n firen NBFZ FBR @TI 4>888=2880 i diftkxti pijk skr nfna`snji sib ji`s nspkdtis=

q> Diftkxti Kxtkrfi= i neb`kftk kxtkrfi fi quna n irgnf`zni sk s`tun k busdn nt`fg`rskus ibmkt`vis (neb`kftk duaturna, fnfdk`ri, rkguantrìs, tkdfiag`di, kdife`di,

diepkt`t`vi, kftrk iutris).

> Diftkxti @ftkrfi= i neb`kftk `ftkrfi fi quna n irgnf`zni busdn nt`fg`r skus

ibmkt`vis (givkrfnfn, kstruturn irgnf`zndìfna, piat`dns, ibmkt`vis, dnpnd`jnjks,s`stkens jk `fcireni, duaturn irgnf`zndìfna, firens, j`rktr`zks, kftrk iutrns).

Kstnbkakdèkfti ji diftkxti

qJk ndirji die n firen NBFZ FBR @TI/@KD 4>888, fi eiekfti ke quk n irgnf`znikstnbkakdk sku diftkxti kan=

> Nrt`duan skus ibmkt`vis.

> Jkfk pnrektris `ftkrfis k kxtkrfis.

> Jkfk i ksdipi k is dr`trìs jk r `sdi pnrn tiji i pridkssi jk gksti jk r`sdis.

Jk ndirji die n firen NBFZ FBR @TI/@KD 4>888, fi eiekfti quk n irgnf`zni kstnbk-akdk sku diftkxti kan nrt`duan skus ibmkt`vis, jkf`fji pnrektris `ftkrfis k kxtkrfis quk

jkvke skr akvnjis ke difs`jkrni pnrn gkrkfd`nr i r`sdi, k jkfk i ksdipi k is dr`trìs

jk r`sdi pnrn tiji i pridkssi jk gksti jk r `sdis.

Diftkxti jn firen NBFZ FBR @TI/@KD 2788;

qTki 7 jn NBFZ FBR @TI/@KD 2788;= trntn ns nt`v`jnjks jkskfviav `jns jurnftk n cnskjk diftkxti jn gksti jk r`sdis.

> Nprkskftnks jn irgnf`zni.

> Kftrkv`stns.

> ûkstìfrìs=

2 Tki 7.> Difs`jkrnks `f`d`n`s.

2 Tki 7.2 Dr`trìs bs`dis.

2 Tki 7.4 Ksdipi k aè`tks.

2 Tki 7.: Irgnf`zni pnrn gksti jk r`sdis jk skgurnfn jn `fcireni.> Nfkxi N @fcirent`vi.

N ski 7 jn firen NBFZ FBR @TI/@KD 2788; trntn jns nt`v`jnjks quk jkvke skr jkskf-

viav`jns jurnftk n cnsk jk diftkxti jn gksti jk r`sdis. Kssns nt`v`jnjks jkvke skr

jkskfviav`jns pkan kqu`pk rkspifsvka pkan gksti jk r `sdis, skfji rkna`znjns pir ekì jk`ftkrnks die is prissìfn`s jn irgnf`zni nvna`njn ntrnvs jk=

> Nprkskftnks jn irgnf`zni?

> Kftrkv`stns die j`rktirks, gkrkftks, tdf`dis k usurìs?

> ûkstìfrìs.

N ski 7 jkstn firen kst irgnf`znjn jn skgu`ftk ciren=

> Tki 7.> Difs`jkrnks `f`d`n`s= fna`jnjk jk rkna`znr n diftkxtuna`zni?

> Tki 7.2 Dr`trìs bs dis= dr`trìs jk nvna`ni?


40/156

2:

Gksti

jkR`sdisjkZ@FBR

2788;

> Tki 7.4 Ksdipi k aè`tks= èpirtfd`n jn jkfì ji ksdipi k is aè`tks jn gkstijk r`sdis?

> Tki 7.: Irgnf`zni pnrn gksti jk r`sdis jk skgurnfn jn `fcireni= irgnf`znik rkspifsnbà`jnjks ji pridkssi jk gksti jk r`sdis?

> Nfkxi N @fcirent`vi= jktnalks pnrn n jkfì ji ksdipi k rkstr`ks quk pijkeèpndtnr fis trnbnalis.

Jkc`f`fji i diftkxti

q> Tupirtk n TGT@.> Difcire`jnjk akgna.

> Xanfi jk dift`fu`jnjk jk fkgdìs.

> Xanfi jk rkspistn n `fd`jkftks.

Ni `f`d`nr i trnbnali jk gksti jk r`sdis jkvk-sk prèk`rnekftk cnzkr ue akvnftnekfti jk

tijns ns fcirenks rkakvnftks sibrk i neb`kftk ifjk skr kxkdutnjn n nfa`sk jk r`sdis.

Jkvk kstnr danri n`fjn i kftkfjèkfti sibrk ns nt`v `jnjks jn irgnf`zni k is prips`tis

quk n akvnrne gksti jk r`sdis jk skgurnfn jn `fcireni.

Ti kxkepais jkstks prips`tis=

> Tupirtk n TGT@= n irgnf`zni iptiu pir èpakekftnr ue TGT@ k pnrn `ssi jkvk rkna`znrn gksti jk r`sdi jk skgurnfn jn `fcireni diei rkqu`s`ti ibr`gntrì.

> Difcire`jnjk akgna= ntkfjèkfti n uen jktkre`fni akgna iu firent`znjirn.Kx= bnfdis, ipkrnjirns jk dnrti jk drj`ti.

> Xanfi jk Dift`fu`jnjk jk Fkgdìs= fkdkssrì pnrn n prkpnrni ji panfi quk v`snkstruturnr i eiji diei n irgnf`zni kfcrkftnr ue kvkfti dntnstrdi. Xnrn quk fi

idirrn ue èpndti s`gf`dnt`vi ni fkgdì fkdkssr`n n rkna`zni ji pridkssi jk

gksti jk r`sdis.> Xanfi jk rkspistn n fd`jkftks= pnrn quk n irgnf`zni pissn tkr sku panfi jk rks-

pistns n `fd`jkftks fkdkssrì i diflkdèkfti jk skus r`sdis k vuafkrnbà`jnjks.

Jk eiji gkrna, i kftkfjèkfti jis prips`tis jn èpanftni jn gksti jk r`sdis piss`b`-

a`tn uen v`si jn èpirtfd`n jkstn nt`v`jnjk pnrn is fkgdìs jn irgnf`zni. Fn firen

NBFZ FBR @TI/@KD 2788; i prips`ti cnz pnrtk jns j`rktr`zks pnrn èpakekftni jn nt`v `-

jnjk jk jkfì ji diftkxti= v`jk 7.> Difs`jkrnks gkrn`s.

@tkfs pnrn `jkft`c`dni

Ni nfna`snr i neb`kftk jn irgnf`zni, n kqu`pk jk nfna`stns jkvk `jkft`dnr is kakekftis

quk dnrndtkr`zne n irgnf`zni k diftr`buke pnrn i sku jkskfviavèkfti. Fn nfa`sk jnirgnf`zni jkvke difstnr pkai ekfis is skgu`ftks `tkfs=

@tkfs pnrn jkft`c`dni Kxkepai jk qukstìfnekftis

Xrips`ti pr`fd`pna jnirgnf`zni

ûna n c`fna`jnjk jn keprksn9 un`s skus ibmkt`vis9

I fkgdì ûna i sku fkgdì9 ûna n c`fna`jnjk ji quk prijuz`ji / jkskfviav`ji9

N e`ssi ûna n sun e`ssi9 Xnrn quk kan kx`stk9 I quk kan sk pripk n cnzkr9 Xnrn quke9

Znbkan 2.>@tkfs pnrn nfa`sk

jn irgnf`zni.


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2;

Dnptuai


is

@tkfs pnrn jkft c`dni Kxkepai jk qukstìfnekftis

N v`si jk cuturi ûna sun v`si jk cuturi9 I quk sk kspkrn jkan fi tkepi9

Is vnairks ûn`s is skus vnairks9 Diei kaks si kv`jkfd`njis9

N kstruturn irgnf`zndìfnaDiei kan kst irgnf`znjn k kstruturnjn9 K n skgurnfn jns `fcirenks9K ns rkspifsnbà`jnjks pkan skgurnfn9

I irgnfigrnenûna i sku irgnfigrnen9 ûke quke k ke quk sktir trnbnaln9L rkn jk skgurnfn jn `fcireni9

Ns kstrntg`ns ûn`s si ns suns pr`fd`pn`s kstrntg`ns jk fkgdìs9 K jk skgurnfn jn `fcireni9

Is prijutis ûn`s si is skus prijutis9 ûna i pr`fd`pna prijuti jk nanvnfdngke jis fkgdìs9

Is pnrdk`risûke si skus pnrdk`ris9 Diei si ksdial`jis9 Diei diftr`buke9 Diei irkandìfnekfti jn skgurnfn jn fcireni die kaks9 un`s ns ibr`gnks jnskgurnfn jn fcireni9

Is tkrdk`risûke si is tkrdk`ris9 Diei si ksdial`jis9 Diei diftr`buke9 Diei i rkan -dìfnekfti jn skgurnfn jn `fcireni die kaks9 Diei i diftrnti9 ûn`s nsibr`gnks jn skgurnfn jn fcireni9

Ns `fstnanksDiei kst j`v`j`jn n irgnf`zni9 Ifjk ksti is skrv`jirks9 L nague ekdnf`seijk prkvkfi jk `fdfjì9 Diei ck`tn n pritki cs`dn9 Diei si is ndkssis9

Is cufdìfrìsDiei si diftrntnjis9 L trk`fnekfti jk skgurnfn jn fcireni9Diei si diftrntnjis9

Kxkrddì jk c`xni >kJkc`f`fji i diftkxti

ûna n fna`jnjk jn sun irgnf`zni9 Kxpa`quk.

ûna jkvk skr ue jis prips`tis quk jkvke akvnr n gksti jk r`sdis jk skgurnfn jn `fcir-eni fn sun irgnf`zni9 Must`quk.


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23

Gksti

jkR`sdisjkZ@FBR

2788;

Jkc`f`fji ksdipi k aè`tks

q> Ksdipi jksdrì jis aè`tks ji primkti, sun nbrnfgfd`n, skus rksuatnjis kkftrkgns. n fna`jnjk jn gksti jk r`sdis.

> Jkvke skr difs`jkrnjis=

2 Is ibmkt`vis k piat`dns jn irgnf`zni.2 Kstruturn k cufks jn irgnf`zni.

2 Xridkssis jk fkgdìs.

2 Nt`vis.

2 Kxpkdtnt`vns.

2 Rkstr`ks.

> Ns rkstr `ks ncktne n irgnf`zni k jktkre`fne i j`rkdìfnekfti jn skgurnfnjn fcireni.

> Naguens jkstns rkstr `ks pijke dnusnr èpndtis fi ksdipi k n kqu`pk tke qukkstnr prkpnrnjn pnrn `jkft`d- ans k jktkre`fnr n `fufd`n quk tkri fi ksdipi.

Kxkepais jk rkstr`ks=

2 Rkstr`ks tdf`dns.

2 Rkstr`ks fnfdk`rns.

2 Rkstr`ks neb`kftn`s.

2 Rkstr`ks tkepirn`s (tkepi ue cntir jktkre`fnftk).

2 Rkstr`ks irgnf`zndìfn`s.> I nfkxi N jn firen NBFZ FBR @TI/@KD 2788; nprkskftn k jktnaln kstns rkstr`ks.

> Kxkepais jk ksdipi k aè`tks=

2 [en npa`dni jk Z@.

2 N `fcrnkstruturn jk Z@.

2 [e pridkssi jk fkgdì.

2 I jkpnrtnekfti jk Z@.

2 [en a`na.

2 I s`stken jk `ftkrfkt bnfo`fg jk uen `fst `tuì fnfdk`rn.

2 I skrvì jk k-enà jn irgnf`zni.

2 I pridkssi jk diftriak jk ndkssi cs`di jn irgnf`zni.

2 I jntndkftkr jn irgnf`zni.

2 N `fcrnkstruturn quk ntkfjk nis skrv ìs NJTA jk uen ipkrnjirn.2 I skrvì jk dnaadkftkr.

2 I s`stken aigst`di jk j`str`buì jk privns jk difdursi pba`di fndìfna.

2 N `ftrnfkt jn irgnf`zni.

Xnrn a`jnr die n diepakx`jnjk jn jkfì ji ksdipi, rkdiekfjvka ksdrkv-an

pir tp`dis, tkfji n dkrtkzn jk quk tijis is piftis cirne `fdaujis k quk fi

kx`stke jv`jns, pr`fd`pnaekftk kftrk i kftkfjèkfti jn kqu`pk jk gksti jk

r`sdis k n irgnf`zni.


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Dnptuai


is

èpirtnftk quk n irgnf`zni jkfn i ksdipi k is aè`tks jn gksti jk r`sdis jk skgurnfn

jn `fcireni. Ens i quk ksdipi9

Ksdipi n enfk`rn diei si jksdr `tis is aè`tks ji primkti, sun nbrnfgfd`n, skus rksua-

tnjis k suns kftrkgns. n fna`jnjk, i navi, i `ftkfti iu prips`ti jn gksti jk r `sdis. Tk

i ksdipi cir fkbuaisi, iu jk`xnr enrgke pnrn `ftkrprktni, skr j`cdà pnrn n kqu`pk jk

gksti jk r`sdis `jkft`dnr is aè`tks ji sku trnbnali. Xirtnfti, i ksdipi jkvk skr danri,

bke jkf`ji k kftkfj`ji pkan kqu`pk jk trnbnali k pkan irgnf`zni. Jkstn ciren, diei ksdipi k is aè`tks `jkft`dnjis, n kqu`pk jk nfa`sk k n irgnf`zni kstnri nptis n

akvnftnr is nt`vis, pkssins, pridkssis k `fstnanks quk skri kfviav`jns fn nt`v`jnjk jk

nfa`sk k nvna`ni jis r`sdis.

Ni jkf`r i ksdipi, n irgnf`zni jkvkr akvnr ke diftn is ibmkt`vis quk jkvke skr nadnfnjis

die n nfa`sk/nvna`ni (prips`tis). Xnrn ssi jkvke skr difs`jkrnjis=

> Is ibmkt`vis k piat`dns jn irgnf`zni?

> Kstruturn k cufks jn irgnf`zni?

> Xridkssis jk fkgdìs?

> Nt`vis?> Kxpkdtnt`vns?

> Rkstr`ks.

èpirtnftk difs`jkrnr ns rkstr`ks quk ncktne n irgnf`zni k jktkre`fne i j`rkdìfn-

ekfti jn skgurnfn jn `fcireni. Naguens jkstns rkstr`ks pijke dnusnr èpndtis fi

ksdipi, jk eiji quk n kqu`pk prkd`sn kstnr prkpnrnjn pnrn `jkft`d-ans k jktkre`fnr n

`fufd`n quk tkri fi ksdipi. Nagufs kxkepais jk rkstr`ks=

> Rkstr`ks tdf`dns?

> Rkstr`ks fnfdk`rns?

> Rkstr`ks neb`kftn`s?> Rkstr`ks tkepirn`s (tkepi ue cntir jktkre`fnftk)?

> Rkstr`ks irgnf`zndìfn`s.

Kx`stke eu`tns iutrns rkstr`ks, quk `ri vnr`nr ke cufi ji t`pi iu ji fkgdì jn irgn-

f`zni, nssè diei tnebe `r vnr`nr n `fufd`n jkstns rkstr`ks fn gksti jk r`sdis.

I nfkxi N jn firen NBFZ FBR @TI/@KD 2788;nprkskftnk jktnaln kstns rkstr`ks, skfji

uen ak`turn ibr`gntr`n pnrn ue ekalir kftkfjèkfti. Kstks si npkfns nagufs kxkepais

bke ibmkt`vis. prkd`si nvna`nr n diepakx`jnjk ji ksdipi k cnzkr ue jktnalnekfti jis

skus ibmkt`vis, pnrn quk fi lnmn jv`jn n rkspk`ti jn sun nepa`tujk.

Kxkrddì jk c`xni 2kJkc`f`fji i ksdipi k aè`tks

ûn`s prips`tis jkvke skr difs`jkrnjis fn sun irgnf`zni pnrn jkfì ji ksdipi9

Must`quk.


44/156

2 Is dr`trìs cnzke pnrtk ji etiji jn gksti jk r`sdis.> Is dr`trìs si n ciren k i vnair (pksis) die quk is r`sdis k èpndtis skri vnairnjis.

N pnanvrn dr`trì, ji grkgi or`trìfpkai antè dr`trì, s`gf`dn kstnbkakdkr ue pnjri quk

skrvk jk bnsk pnrn quk di`sns k pkssins pissne skr diepnrnjns k muagnjns.

Is dr`trìs pnrn nvna`ni jk r`sdis skrvke pnrn nvna`nr is r`sdis jk skgurnfn k

jkvke difs`jkrnr=

> I vnair kstrntg`di ji pridkssi?

> N dr`t`d`jnjk jis nt`vis?

> I l`str`di jk idirrfd`ns jk kvkftis jk skgurnfn?

> I vnair ji nt`vi pnrn i pridkssi?

> N pribnbà`jnjk jk idirrfd`ns k iutris, jk ndirji die n irgnf`zni k ksdipi.

Is dr`trìs tnebe skri utà`znjis pnrn jkf`r ns prìr`jnjks pnrn i trntnekfti jis r`sdis.

Kxkepai=

Ke ue neb`kftk quk pissu` uen snan usnjn diei jkps`ti jk pnpka k die ue prkdrì

s`stken jk prkvkfi k diebntk n `fdfjìs, i r`sdi jk ue `fdfjì pijk skr NAZI.

Fi jkskfviavèkfti jis dr`trìs èpirtnftk quk=

>. Jkf`r n qunft`jnjk jk fvk`s fkdkssrìs pnrn i dr`tr ì?

2. Jkf`r i fiek ji fvka?

4. Jkf`r is vnairks jk dnjn fvka?

:. Cnzkr uen jksdrì jktnalnjn jk dnjn fvka. Diaidnr i exèi jk `fcirenks ji quk

nbrnfgk nqukak fvka n e jk pkre`t`r quk qunaqukr iutrn pkssin pissn kftkfjkr dnjn

fvka ji dr`trì k npa`dn-ai jk ciren `guna`tr`n k uf`cirek.

Dr`trìs jk èpndti

@epndti n eujnfn njvkrsn fi fvka ibt`ji fis ibmkt`vis jk fkgdìs. Is dr`trìs jk

èpndti skrvke pnrn ekfsurnr i eiftnftk jis jnfis iu dustis irgnf`zni dnusnjis

pkan idirrfd`n jk ue kvkfti jk skgurnfn jn `fcireni. Gkrnaekftk ksti rkandìfnjis

n pkrjns fnfdk`rns. Jkvke difs`jkrnr, kftrk iutris=

> I diepriektèkfti jns ipkrnks?

> I jksdueprèkfti jk prnzis?

> Is jnfis jk rkputni k èngke?


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20

Dnptuai


is

> Sìanks jk rkqu`s`tis akgn`s k rkguantrìs?> Tkvkr`jnjk k dr`t`d`jnjk?> I diepriektèkfti jn difjkfd`na`jnjk, ftkgr`jnjk k j`spif`bà`jnjk?

> Iutris, jk ndirji die n irgnf`zni k ksdipi.

Kxkepai

Tk fn idirrfd`n jk ue `fdfjì is prkmuzis cirne npkfns aidn`s, rkstr`tis n uen snan, ièpndti pijk skr danss`dnji diei BN@\I. Fn s`tuni ji `fdfjì tkr sk nanstrnji, k fi

tkr s`ji pissvka diftria-ai, jk eiji n tkr jkstruji j`vkrsns snans, kqu`pnekftis k jidu-

ekftis èpirtnftks, i èpndti pijk skr danss`dnji diei KAKSNJI.

Dr`trìs pnrn ndk`tni ji r`sdi

Tkrvke pnrn n irgnf`zni jkf`r i sku fvka iu n sun ksdnan jk ndk`tni jis r `sdis.

Jkpkfjke jns piat`dns, ektns k ibmkt`vis jn irgnf`zni, skfji jkf`jis die n pnrt`d`-

pni jn natn j`rki jn irgnf`zni. Jkvke difs`jkrnr=

> Nspkdtis akgn`s k rkguantrìs?

> C`fnfns?

> Nspkdtis sid`n`s?

> Rkpkrdussi fn èngke?

> Nspkdtis ipkrndìfn`s?

> Fkgdìs?

> Zkdfiaig`ns.

> Iutris, jk ndirji die n irgnf`zni k panfkmnekfti cuturi jis fkgdìs.

Kxkepai=

N keprksn jkfù quk tiji r`sdi E[@ZI BN@\I quk pissu`r @EXNDZI BN@\TT@EI iu quk

pissn dnusnr pkrjns fnfdk`rnsnbn`xi jk R$ >8 eàskr danss`dnji diei R@TDI NDK@ZSKA

k fi skr trntnji die prìr`jnjk.

Kxkepais jk dr`trìs=

Fvka Jkc`fì

Crkqukftk 6 8,02

Xrivvka 6 8,3; k 1 5 8,02

Idnsìfna 6 8,40 k 1 5 8,3;

Rkeiti 6 8,>; k 1 5 8,40

@eprivvka 6 5 8 k 1 58,>;

Snair Jkc`fì

> Npkfns fn rkjk aidna.

2 Rkstr`fgk-sk ni sktir, jkpnrtnekfti iu gkrfd`n.

4 Nt`fgk pnrtk ji s`tk ifjk kst i nt`vi.

Znbkan 2.2

Kxkepai jk dr`trì

jk pribnbà`jnjk.

Znbkan 2. 4

Kxkepai jk dr`trì

jk nbrnfgfd`n.


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Gksti

jkR`sdisjkZ@FBR

2788;

Snair Jkc`fì

: Ns difskqufd`ns `fd`jke sibrk tiji i s`tk/cà`na ifjk kst i nt`vi.

; I nt`vi tke difskqufd`ns sibrk tijn n irgnf`zni.

Fvka jk r`sdi Snair Jksdrì

Kxtrkei ; Jk ndirji die n irgnf`zni

Natssèi : Jk ndirji die n irgnf`zni

Nati 4 Jk ndirji die n irgnf`zni

Ejì 2 Jk ndirji die n irgnf`zni

Bn`xi > Jk ndirji die n irgnf`zni

@rrkakvnftk 8,; Jk ndirji die n irgnf`zni

Iutri pifti èpirtnftk n jkfì jis dr`trìs (7.2 Dr`trìs bs`dis). Is dr`trìs cnzke

pnrtk ji etiji die i quna skr ck`tn n gksti jk r`sdis. Ke iutrns pnanvrns, is dr`trìs si nciren k i vnair (pksis) die quk skri vnairnjis is r`sdis k is èpndtis. Xnrn `jkft`dnr i enìr

iu ekfir r`sdi, k i en`s nati iu en`s bn`xi èpndti, prkd`si jkf`r is dr`trìs. Dr`trì ue

pnjri quk skrvk jk bnsk pnrn quk di`sns k pkssins pissne skr diepnrnjns k muagnjns.

qN jkfì jk dr`trìs jk r `sdi kfviavk jkd`j`r sibrk=> N fnturkzn k is t`pis jk difskqufd`ns n skrke `fdaujis k n ciren diei skri

ekj`jis.

> N enfk`rn pkan quna ns pribnbà`jnjks skri rkprkskftnjns.

> I eiji diei ue fvka jk r`sdi skr jktkre`fnji.

> Is dr`trìs quk firtknri n jkd`si pkai trntnekfti ji r`sdi.> Is pnrektris pnrn jkf`r qunfji ue r`sdi ndk`tvka k/iu tiakrvka.

> Tk ns dieb`fnks jk r`sdis skri tienjns ke difs`jkrni.

Is dr`trìs pijke skr bnsknjis ke ciftks diei=

> Is ibmkt`vis ndirjnjis ji pridkssi?

> Is dr`trìs `jkft`dnjis fi dnjkrfi jk kfdnrgis?> Ns ciftks jk jnjis?

> Dr`trìs gkrnaekftk ndk`tis pkan `fjstr`n, diei fvk`s jk `ftkgr`jnjk, skgurnfn(ekalirks prt`dns)?

> I npkt`tk jk r`sdi jn irgnf`zni?

> Is rkqu`s`tis akgn`s duepr`jis pkan irgnf`zni?

> Iutris ntrnvs jk `fcirenks tdf`dns jk kqu`pnekftis kspkddis iu npa`dnks.

Is dr`trìs n skrke njitnjis jkvke skr jktkre`fnjis ke dieue ndirji kftrk n kqu`pk

jk gksti jk r`sdis k n irgnf`zni. Dnsi n irgnf`zni m pissun dr`trìs pnrn iutris s`s-

tkens jk gksti, kstks pijkri skr njnptnjis n jkpkfjkr jn jkenfjn, cndà`tnfji i kftkf-

jèkfti jis dr`trìs jk gksti jk r `sdis pir pnrtk jn irgnf`zni, pi`s skri skekalnftks

nis m utà`znjis pir iutris s`stkens jk gksti èpakekftnjis.

C`gurn 2.:

Kxkepai jk dr`trì

jk fvka jk r`sdi.


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Dnptuai


is

Fvka jk r`sdi Snair Jksdrì

Jksprkzvka >

>Fi idirrke aksks, eirtks fn cirn jk trnbnali k/iu jk pkssinskxtkrfns keprksn. Xijke idirrkr dnsis jk pr èk`ris sidirris iutrntnekfti ej`di (ske ncnstnekfti).

> Tke jnfis iu die jnfis `fs`gf`c`dnftks nis kqu`pnekftis k/iu`fstnanks.

>Is s`stkens jk Z@ c `dnrne cirn jk ipkrni pir nt ; e`futis.

Akvkekftkprkmuj`d`na

2

> Aksks akvks fn cirn jk trnbnali, nusfd`n jk aksi.>Jnfis akvks nis kqu`pnekftis iu `fstnanks, diftriavk`s k/iu jk

bn`xi dusti jk rkpnri.

>Is s`stkens jk Z@ c `dnrne cirn jk ipkrni pir nt 48 e`futis.

Xrkmuj`d`na 4

> Aksks jk grnv`jnjk eijkrnjn fn cirn jk trnbnali iu ke pkssinskxtkrfns keprksn.

> Aksks akvks ke pkssins kxtkrfns keprksn. Jnfis skvkris nkqu`pnekftis k/iu fstnanks.

>Is s`stkens jk Z@ c `dnrne cirn jk ipkrni ndèn jk 48 e`futis.Ke`ssi jk fitn c`sdna pir s`stken natkrfnt`vi. Fkdkss`jnjk jk rkdu-pkrnr bndoup.

Kxtrkenekftkprkmuj`d`na

;

>Xrividn eirtk iu aksks grnvks ke uen iu en`s pkssins (fn cirn jk trnbnali k/iu ke pkssins kxtkrfns keprksn).

>Jnfis rrkpnrvk`s n kqu`pnekftis iu fstnanks (rkpnrni akftniu epissvka).

>Ndìfnji s`tk natkrfnt`vi. Xkrjn jk jnjis k fcirenks. Da`kftks skentkfjèkfti titna.

Dnbk rkssnatnr quk kstks kxkepais privnvkaekftk fi sk npa`dne n qunaqukr t`pi jk

irgnf`zni, ens qukans pnrn ns qun`s cirne jkskfviav`jis. Kftrktnfti, cirfkdke uen

`jk`n sibrk n dr`ni jk dr`trìs npa`dnjis s nt`v`jnjks jk gksti jk r`sdis. Fi jkdirrkr

jkstk dursi skri jkskfviav`jis dr`tr ìs jurnftk n rkna`zni jns nt`v`jnjks.

Kxkrddì jk c`xni 4kJkc`f`fji is dr`trìs

ûk dr`trìs m kx`stke ntunaekftk fn sun irgnf`zni9 Must`quk.

Difs`jkrnfji i neb`kftk jn sun irgnf`zni, cnn n jksdrì jis fvk`s bn`xi k

natssèi jn Znbkan 2.;9 Must`quk.

Znbkan 2.;

Kxkepais jk

dr`trìs jk

èpndti.


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42

Gksti

jkR`sdisjkZ@FBR

2788;

Irgnf`zni pnrn n gksti jk r`sdis

q> N jkfì jis pnp`s k rkspifsnbà`jnjks èpirtnftk pnrn i sudkssi ji pridkssijk gksti jk r`sdis.

> Jkvke skr jkf`jis=

2 I pridkssi jk gksti jk r `sdi njkqunji irgnf`zni.2 Ns pnrtks `ftkrkssnjns.

2 Is pnp`s k rkspifsnbà`jnjks jns pnrtks kfviav`jns, ftkrfns k kxtkrfns irgnf`zni.

2 Ns rkanks fkdkssr`ns kftrk n irgnf`zni, suns pnrtks `ftkrkssnjns kiutris primktis.

2 N dnjk`n jk dieuf`dni k jk jkd`sks.

2 Is rkg`stris quk jkvke skr enft`jis.

2 Iutris rkg`stris quk ntkfjne n pnrt`duanr`jnjks kspkddns jk dnjn t`pijk irgnf`zni.

> Zijns kstns nt`v`jnjks jkvke gkrnr kv`jfd`ns pnrn n npa`dni jis pridkssis jkgksti jk r`sdis.

N jkfì jis pnp`s k rkspifsnbà`jnjks ue cntir èpirtnftk pnrn i sudkssi ji

pridkssi jk gksti jk r`sdis. Xnrn tna `sti jkvk kstnr cirenaekftk jkf`jn, dieuf`dnjn,

jiduekftnjn k nprivnjn pkais gkstirks jn natn nje`f`strni.

Jkvk dnr danri pnrn tijis is kfviav`jis quk i difmufti jkstns nt`v`jnjks jkvk gkrnr

kv`jfd`ns quk nuxà`ke pnrn uen npa`dni njkqunjn jis pridkssis jk gksti jk r`sdis.

Tkfji nssè, èpirtnftk quk tijns ns `fcirenks k jnjis skmne jiduekftnjis pnrn i

dnsi jk uen cuturn nuj`tir`n.

Ak`turn diepakekftnr

> Tkssi 7 jn firen NBFZ FBR @TI/@KD 2788;.> Tkssks ;, 3 k 7 jn firen NBFZ FBR @TI/@KD 27882.

> Dnptuai ; ji a`vri I r`sdi jk Z@ (Jkskfviavkfji i pridkssi jk givkrfnfn jk r`sdi), jkGkirgk Wkstkrenf k R`dlnrj Luftkr= Lnrvnrj Bus`fkss Tdliia Xrkss, 288


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44

Dnptuai

2-Ritk`rijkNt`v`jnjks

Ritk`ri jk Nt`v`jnjks 2

S`si gkrna jn nt`v`jnjk

Tkri rkna`znjns ns nt`v`jnjks fkdkssr`ns pnrn n Jkfì ji diftkxti. N gurn n skgu`r

nprkskftn grndnekftk n aidna`zni jkstns nt`v`jnjks fi pridkssi jk gksti jk r`sdis.


NFA@TK JK R@TDIT

NDK@ZNI JI R@TDI


DIE[F@DNIKDIFT[AZNJIR@TDI

EIF@ZIRNEKFZIKNFA@TKDRZ@DNJ

KR@TDIT

XIFZI JK JKD@TI 2


XIFZI JK JKD@TI >

Nvna`ni snt`scntr`n

Fi

Tè

Fi

Tè


ZRNZNEKFZI JI R@TDI

NSNA@NI JK R@TDIT

JKC@F@I JI DIFZK\ZI

N rkna`zni jkstn nt`v`jnjk jkvk skr ndiepnflnjn jn ak`turn jn firen NBFZ FBR @TI/@KD

2788;, ji entkr`na jk npiì cirfkd`ji k n`fjn pkan v`vfd`n k kxpkr`fd`n ke sun irgnf`zni.Xnrn kstn nt`v`jnjk, i naufi jkvk sk vnakr ji Nfkxi N (Jksdrì jn Keprksn), quk pkre`t`r

n dr`ni jk uen keprksn dtd`n iu n`fjn nuxà`nr ke naguens ibskrvnks sibrk sun irgn -

f`zni. N panfàln jkstn nt`v`jnjk diepistn jk pkrguftns bs`dns pnrn i kftkfjèkfti

ji diftkxti irgnf`zndìfna.

N skqufd`n jns nt`v`jnjks skr=

>. Ak`turn jn Tki 7 k ji Nfkxi N jn firen NBFZ FBR @TI/@KD 2788;?

2. Ak`turn ji Nfkxi N (Jksdr ì jn Keprksn) jkstk dnjkrfi jk nt`v`jnjks?

4. Kxpa`dni k jkeifstrni pkai `fstrutir jn panfàln jk nfa`sk jk r`sdi.

C`gurn 2.2

Nt`v`jnjks pnrn

n Jkfì jidiftkxti.


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4:

Gksti

jkR`sdisjkZ@FBR

2788;

:. Kxkdui jns nt`v`jnjks jn panfàln=

n. Kxkrddìs jn gu`n Jkf`r Diftkxti

I ibmkt`vi jkstn nt`v`jnjk , ntrnvs jk rkspistns n naguens pkrguftns, jkskfviavkr fi naufi

i kftkfjèkfti ji quk jkvk skr pkfsnji, panfkmnji k vkr`dnji ni jkf`reis i diftkxti.

Jkvke skr rkspifj`jns ns pkrguftns quk pkre`t`ri quk n kqu`pk jk nfa`sk jk r`sdi `jkft`-

quk k dieprkkfjn i diftkxti ji neb`kftk ifjk skr jkskfviav`jn n nfa`sk.

Xnrn dnjn tp`di jkvkri skr diaidnjns j`rk`tn ns ibskrvnks iu must`dnt`vns dirrkspifjkftks.

T pnssk pnrn n gu`n skgu`ftk nps difdau`r.

b. Kxkrddìs jn gu`n Rkstr`ks

Kstn nt`v`jnjk difjuz ni kftkfjèkfti jn epirtfd`n jn jkft`dni jns rkstr`ks kx`stkftks.

Fkstn gu`n skri `fskr`jns ns rkstr `ks npa`dvk`s irgnf`zni, jk ndirji die i Nfkxi N

jn NBFZ FBR @TI/@KD 2788;.

N diaufn Rkstr`ks nprkskftn uen a`stn bnsknjn fn firen, dnbkfji ni naufi ksdialkr ns

quk sk npa`dne k ksdrkvkr n must`dnt`vn.

Kx`stke rkstr`ks quk ncktne n irgnf`zni k rkstr`ks quk ncktne i ksdipi jn gksti jk r`sdis.


n. Kxkrddìs jn gu`n Ksdipi

I ibmkt`vi jkstn nt`v`jnjk , ntrnvs jk rkspistns n naguens pkrguftns, jkskfviavkr fi

naufi i kftkfjèkfti ji quk jkvk skr pkfsnji, panfkmnji k vkr`dnji ni jkf`reis i

ksdipi k skus aè`tks.

Kstn gu`n nprkskftn kxkrddìs pnrn quk n kqu`pk jk nfa`sk tkfln ue pkrck`ti kftkfj`-

ekfti ji ksdipi k skus aè`tks. Xnrn dnjn tp`di jkvkri skr diaidnjns j`rk`tn ns ibskrvn-

ks dirrkspifjkftks.


b. Kxkrddìs jn gu`n Dr`trìs

Kstn gu`n nprkskftn ue kxkrddì pnrn pkre`t`r n jkfì jis dr`trìs quk skri trnbn-

alnjis jurnftk tijn n nfa`sk jk r`sdi.

Nqu` n kqu`pk jk nfa`sk jk r`sdi jn irgnf`zni ifjk rkna`znji i trnbnali, jkf`r is dr` -

trìs quk difjuz`ri is trnbnalis jurnftk tiji i pridkssi. èpirtnftk quk kstks dr`trìs

skmne cndtvk`s k va`jis pnrn i neb`kftk ji ksdipi jn gksti jk r`sdis k pnrn n irgnf`zni.

C`gurn 2.4

Gestão de Riscos de TI - NBR 27005

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