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 Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef < ac :< Incazhltian Pf`vzity Ult`mdae F}f`vtisf pvhhlzy ac tmf Ptvdy an tmf rapitian ac Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Pranpazfd jy? INCAZHLTIAN PF@VZITY ULT@MDAE

Executive summary of the Study on the position of Spanish SMEs in the face of risks and the implementation of Business Continuity Plans

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Page 1: Executive summary of the Study on the position of Spanish SMEs in the face of risks and the implementation of Business Continuity Plans

8/7/2019 Executive summary of the Study on the position of Spanish SMEs in the face of risks and the implementation of Bu…

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef < ac :<Incazhltian Pf`vzity Ult`mdae 

F}f`vtisf pvhhlzy ac tmf Ptvdy

an tmf rapitian ac Prlnipm PHFp in

tmf cl`f ac zipkp lnd tmf

ihrgfhfntltian ac Jvpinfpp@antinvity Rglnp

Pranpazfd jy?

INCAZHLTIAN PF@VZITY ULT@MDAE

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef : ac :<Incazhltian Pf`vzity Ult`mdae 

Dltf ac rvjgi`ltian? Pfrtfhjfz :2<2

Tmf ‗Ptvdy an tmf rapitian ac Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac 

Jvpinfpp @antinvity Rglnp‘ ulp rzfrlzfd jy tmf caggauine uazk tflh ac tmf INTF@A Incazhltian Pf`vzity Ult`mdae? 

Rljga Rézf Pln(Oapé -hlnlefhfnt)

Olsifz Zfy Rfziggf -`aazdinltian)

Glvzl Elz`èl Rézf 

@ziptinl Evtiézzf Jazef 

INTF@A uipmfp ta miemgiemt tmf insagshfnt in tmf cifgduazk lnd zfpflz`m ac tmip ptvdy lnd ta 

f}rzfpp tmlnkp caz pranpazine tmip rzintfd fditian ta? 

Tmip rvjgi`ltian jfganep ta tmf Nltianlg Inptitvtf ac @ahhvni`ltian Tf`mnagaey -INTF@A) lnd ip vndfz l @zfltisf@ahhanp Prlin :.6. Lttzijvtian Nan(@ahhfz`ilg gi`fnpf. Caz tmip zflpan `aryine' diptzijvtine lnd rvjgi`gy dippfhinltinetmip uazk ip rfzhittfd vndfz tmf caggauine anditianp?

• Lttzijvtian? Tmf `antfntp ac tmip zfrazt `ln jf zfrzadv`fd in cvgg az rlztilggy jy tmizd rlztifp' ptltine itp pavz`f lndf}rzfppgy zfcfzzine ta jatm INTF@A lnd itp ufjpitf? uuu.intf`a.fp. Tmip lttzijvtian hly in na uly pveefpt tmltINTF@A gfndp itp pvrrazt ta tmf tmizd rlzty az pvrraztp tmf vpf hldf ac itp uazk.

• Nan(@ahhfz`ilg vpf? Tmf azieinlg hltfzilg lnd tmf zfpvgtine uazk hly jf diptzijvtfd' `arifd az pmaun' rzasidfd tmfrvzrapf tmfzfac ip nat `ahhfz`ilg.

In zfvpine az diptzijvtine tmf uazk tmf tfzhp ac itp gi`fnpf hvpt jf hldf |vitf `gflz. Pahf ac tmfpf `anditianp hly nat jflrrgi`ljgf ic rfzhippian czah INTF@A lp magdfz ac tmf `aryziemt ip ajtlinfd. Natmine in tmip gi`fnpf ihrlizp az zfptzi`tp tmfhazlg ziemtp ac INTF@A. mttr?!!`zfltisf`ahhanp.aze!gi`fnpfp!jy(n`!:.6!fp!  

Tmip da`vhfnt hfftp tmf RDC -Raztljgf Da`vhfnt Cazhlt) l``fppijigity `anditianp. It ip tmfzfcazf l ptzv`tvzfd' gljfggfdda`vhfnt' uitm lgtfznltisfp caz lgg nan(tf}t fgfhfntp' pft caz glnevlef rvzrapfp lnd lrrzarziltf zfldine azdfz.

Caz cvztmfz incazhltian an tmf `anptzv`tian ac l``fppijgf RDC da`vhfntp rgflpf pff tmf evidf lsligljgf in tmf zfgfslntpf`tian > Hlnvlgfp y Evèlp lt tmf ufjpitf mttr?!!uuu.intf`a.fp 

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef 0 ac :<Incazhltian Pf`vzity Ult`mdae 

@ANTFNTP

@ANTFNTP ......................................................................................................................... 0 

<  AJOF@TISFP LND HFTMADAGAEY ......................................................................... 4 <.<  Intzadv`tian ............................................................................................................ 4 <.:  Ajof`tisfp .............................................................................................................. 4 <.0  Hftmadagaei`lg dfpien........................................................................................... 6 

:  HLIN CINDINEP .......................................................................................................... 3 :.<  Lnlgypip ac tmf pf`vzity gfsfgp lt Prlnipm PHFp ................................................... 3 :.:  Jvpinfpp `antinvity `vgtvzf lnd knaugfdef ac Prlnipm PHFp ............................ << :.0  Lnlgypip ac tmf gfsfgp ac tmf ldartian ac jvpinfpp `antinvity hflpvzfp az rglnp jy

Prlnipm PHFp ................................................................................................................ <: :.4  @ahrlzltisf lnlgypip ac tmf hlnlefhfnt ac jvpinfpp `antinvity in Prlnipm 

`ahrlnifp l``azdine ta pif .......................................................................................... <3 :.6  Jvpinfpp `antinvity jfpt rzl`ti`fp ...................................................................... <5 

@AN@GVPIANP lnd ZF@AHHFNDLTIANP ................................................................... <9 INDF] AC EZLRMI@P ...................................................................................................... :2 

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef 4 ac :<Incazhltian Pf`vzity Ult`mdae 

< AJOF@TISFP LND HFTMADAGAEY

<.< Intzadv`tianIn ginf uitm itp lih ta dfsfgar tmf Knaugfdef Pa`ifty tmzavem rzaof`tp zfgltine ta

innasltian lnd tf`mnagaey' INTF@A mlp rvjgipmfd itp Ptvdy an tmf gfsfg ac rzfrlzltian ac 

PHFp in tmf cl`f ac zipkp lnd tmfiz ldartian ac Jvpinfpp @antinvity Rglnp .

Tmip ptvdy fhrmlpipfp tmf `an`frt ac Jvpinfpp @antinvity  umi`m' in sifu ac jvpinfpp

dfsfgarhfntp lnd nltianlg lnd intfznltianlg fsfntp' ip jfine tlkfn inta l``avnt

in`zflpinegy in tmf ptzltfei` hlnlefhfnt ac azelnipltianp' ta tmf raint ac jf`ahine l

nf`fppity az lt gflpt l hlttfz ta jf lddzfppfd.

Lgtmavem tmfzf lzf nvhfzavp dfcinitianp ac Jvpinfpp @antinvity Hlnlefhfnt' tmfy pmavgd

zfcfz in lgg `lpfp ta l rza`fpp lihfd lt idfnticyine tmf ratfntilg zipkp tmzfltfnine ln

azelnipltian lnd' caz tmf rvzrapfp ac rzfsfntian' lt dfsfgarine tmf ljigity ta zf`asfz in tmf

cl`f ac pitvltianp fntligine `ahrgftf az rlztilg intfzzvrtianp ta jvpinfpp arfzltianp.

<.: Ajof`tisfp

Tmf asfzlgg ajof`tisf ac tmip ptvdy ta lnlgypf' an tmf jlpip ac fhrgayfzp’ rfz`frtianp' tmf

gfsfgp ac rzfrlzltian' rlttfznp ac `andv`t' l`tvlg nffdp lnd hlin ajptl`gfp rzfsfntine tmf

ldartian ac hflpvzfp' rglnp az ptzltfeifp tmlt fnljgf Prlnipm PHFp ta jf jfttfz

rzfrlzfd in azdfz ta evlzlntff tmf `antinvity ac tmfiz jvpinfpp arfzltianp.

Avz lih tmzavemavt ip ta rzarapf zf`ahhfndltianp ac l`tian caz `ahrlnifp' tmf

incazhltian pf`vzity indvptzy lnd rvjgi` lvtmazitifp in azdfz ta zlipf lulzfnfpp lnd

fn`avzlef `ahrgiln`f uitm tmf hlin indi`ltazp lnd rvjgi` ragi`ifp zfgltine ta tmf

Incazhltian Pa`ifty in tmf cifgd ac incazhltian pf`vzity.

Prf`ici`lggy' tmip asfzlgg ajof`tisf `ahrzipfp tmf caggauine lihp?

Lnlgypf tmf tf`mnagaei`lg pitvltian ac pf`vzity lt Prlnipm PHFp czah l jvpinfpp`antinvity ptlndraint.

• Lrrzlipf tmf Prlnipm PHFp’ gfsfgp ac `vgtvzf lnd knaugfdef zfelzdine jvpinfpp

`antinvity.

• Lnlgypf tmf gfsfgp lt umi`m jvpinfpp `antinvity l`tianp az rglnp mlsf jffn ldartfd lt

Prlnipm PHFp.

• @andv`t l `ahrlzltisf lnlgypip' czah l pif ptlndraint' ac tmf ptltvp ac `antinvity lt

Prlnipm `ahrlnifp.

• Jf lrrzipfd ac tmf jfpt jvpinfpp `antinvity rzl`ti`fp.

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef 3 ac :<Incazhltian Pf`vzity Ult`mdae 

: HLIN CINDINEP

Pft avt jfgau lzf tmf hlin cindinep ac avz ptvdy.

:.< Lnlgypip ac tmf pf`vzity gfsfgp lt Prlnipm PHFp

Tmip pvhhlzy `ancizhp umlt INTF@A mlp jffn raintine avt in pfsfzlg ac itp ptvdifp'

nlhfgy tmlt Prlnipm PHFp `anpidfz tmlt tmfy lzf f}rapfd ta l glzef slzifty ac pf`vzity

in`idfntp umi`m nfsfztmfgfpp lgulyp in`gvdf tmapf zfgltine ta incazhltian pf`vzity.

Umlt tyrf ac pf`vzity in`idfntp mlsf lccf`tfd tmf PHFp zf`fntgy1

40.0& ac tmf PHFp tmlt taak rlzt in tmf pvzsfy ptltfd tmlt tmfy mld pvccfzfd pahf kind ac

pfziavp pf`vzity in`idfnt in tmf glpt tmzff hantmp' plgifnt ac umi`m ufzf pfzsi`f cligvzf an

tmf rlzt ac rzasidfzp -<3.0&)' `ahrvtfz lttl`kp -<<.<&) az pvrrazt pyptfh jzflkdaunp

-liz(`anditianine' fgf`tzi`ity az `ahhvni`ltian ginfp -=.9&) -Pff Ezlrmi` <)?

@anpidfzine tmf nvhjfz lnd slzifty ac tmf pf`vzity in`idfntp tmlt ihrl`tfd tmf `antinvity

ac arfzltianp anf uly az lnatmfz' it hly jf `anpidfzfd gikfgy tmlt `ahrlnifp uigg jf

lccf`tfd jy intfzzvrtianp.

Ezlrmi` <? Pf`vzity in`idfntp lccf`tine PHFp in tmf glpt tmzff hantmp

Jlpf? Tatlg PHFp lnd pv``fpp ptazifp -n84:9) Pavz`f? INTF@A 

Tmip zfincaz`fp tmf raint tmlt yav `ln nfsfz knau umlt fsfnt hiemt lccf`t lnazelnipltian' `lvpine itp l`tisitifp ta jf mlgtfd' pin`f pv`m fsfntp glzefgy dfrfnd an

tmf prf`ici` `iz`vhptln`fp in fl`m `lpf.

='<&

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Dan%t knau!Na lnpufz

Atmfz

Rmypi`lg dlhlef ta cl`igitifp!f|virhfnt

Ljpfn`f ac kfy rfzpannfg

Gapp ac ziti`lg jvpinfpp dltl

Cgaad' flztm|vlkf' cizf

Cinfp' rfnlgtifp

@zlpm ac pyptfhp!lrrgi`ltianp

@zlpm ac pvrrazt pyptfhp -liz(`anditianine' ahhvni`ltianginfp lnd dfsi`fp' ft`.)

@ahrvtfz lttl`k

Pfzsi f cligvzf jy pvrrgifzp

Tmf ahrlny mlp nat jffn lccf`tfd jy lny pf`vzity in`idfnt intmf glpt 0 hantmp

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef 5 ac :<Incazhltian Pf`vzity Ult`mdae 

Umlt ufzf tmf `lvpfp tmlt tzieefzfd tmf in`idfntp1

Umfn it `lhf ta idfnticyine tmf hlin `lvpfp tmlt `avgd mlsf tzieefzfd tmfpf pf`vzity

in`idfntp -pff  Ezlrmi` :)' dfpritf tmf slzifty ac zfpranpfp' tmzff zflpanp `ln jf `itfd

-vnlulzfnfpp ac tmf tmzflt -3.9&)' raaz az ajpagftf pyptfh `ancievzltian -3.=&) lnd

infcci`ifnt lppa`iltfd rzfsfntian taagp -0.<&)' tmfzfjy `ancizhine tmf rzfhipf tmlt PHFp

hly nat jf lulzf ac tmf zipkp cl`ine tmfh lnd `anpf|vfntgy' tmf hflpvzfp ldartfd ta

`ltfz caz pv`m zipkp lzf nat fccf`tisf jf`lvpf tmfy mlsf ln ihrfzcf`t vndfzptlndine ac lnd

mlsf nat rziazitipfd tmf tmzfltp tmfy pmavgd jf lddzfppine?

Ezlrmi` :? Zflpanp caz pf`vzity in`idfntp -&)

Jlpf? PHFp tmlt mlsf jffn lccf`tfd jy pahf kind ac pf`vzity in`idfnt -n805:) Pavz`f? INTF@A 

Avz dftligfd lnlgypip ac ‗Atmfz‘ `lvpfp indi`ltfd jy tmf zfprandfntp pmaufd tmlt hapt ac

tmf `ahrlnifp tmlt elsf tmip zfpranpf glid tmf jglhf an l cligvzf in pfzsi`f jy rzasidfzp

-3<.<&)' uma in anf uly az lnatmfz mfgr hlintlin tmf vnintfzzvrtfd `antinvity ac jvpinfpparfzltianp.

Umlt zfpranpf hflpvzfp mlsf jffn ldartfd in tmf ulkf ac tmf in`idfntp1

Avz `an`gvpianp czah ln lnlgypip ac tmf gfsfg ac ihrgfhfntltian ac pf`vzity hflpvzfp lp l

zfpranpf ta in`idfntp lccf`tine PHFp tmlt mlsf jffn lccf`tfd jy ln ldsfzpf pf`vzity

fsfnt lzf?

• Tmf azelnipltianp lgzfldy mlsf `fztlin pf`vzity hflpvzfp in rgl`f. Hlingy' tmfy hlkf

jl`k(vr `arifp -=5.=&)' l`|vizf pactulzf az mlzdulzf -59.5&) lnd `anpvgt az pffkpvrrazt czah f}rfztp -59.:&).

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Atmfz

I ulp lulzf ac tmf zipk jvt did nat mlsf tmf jvdeftzfpavz`fp

I gl`kfd taagp ta rzfsfnt it

Raaz ldsi`f

I ulp lulzf ac tmf tmzflt jvt did nat knau mau tarzfsfnt it

I mld tmf taagp jvt tmfy ufzf nat fccf`tisf

In`azzf`tgy `ancievzfd pyptfhp

Ajpagftf pyptfhp

Vnlulzf ac tmf tmzflt

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef 9 ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` 4? @ahrlnifp dfhlndine pahf cazh ac fsidfn`f!`fztici`ltf!hflpvzfp!rglnp

evlzlntffine tmf `antinvity ac tmfiz pvrrgifzp’ pfzsi`fp in tmf fsfnt ac l diplptfz

Jlpf? Tatlg PHFp -n8422) Pavz`f? INTF@A 

Tmf hapt `ahhan zf|vizfhfntp dfhlndfd jy tmf <=.5& tmlt zf|vizf tmfiz pvrrgifzp ta

hfft jvpinfpp `antinvity evlzlntffp lzf?

• Hinihvh |vlgity ac pfzsi`f dfgisfzy -::.0&).

• Zavnd tmf `ga`k pfzsi`f' pfsfn dlyp l uffk' fptljgipmfd in lezffhfntp uitm pvrrgifzp

ac tmf hapt `ziti`lg pfzsi`fp az ihhfdiltf zfpranpf tihfp -<4.0&).

• @fztici`ltfp az fsidfn`f ac hfftine pf`vzity lnd!az `antinvity ptlndlzdp -<4.<&).

• @antzl`tvlg prf`ici`ltianp -<<.0&).

Mau `ln l dfezff ac hltvzity jf lttlinfd uitm zfprf`t ta tmf zipk hlnlefhfntrza`fppfp tmlt ihrl`t an jvpinfpp `antinvity1

Tmf jfpt uly ta ldart pf`vzity ptzltfeifp in ginf uitm tmf nffdp lnd l`tvlg pitvltian ac

`ahrlnifp ip ta jlpf tmfh an ln vndfzptlndine ac tmf zipkp tmlt tmzfltfn tmf `antinvity ac

tmfiz jvpinfpp rza`fppfp?

• Idfnticy lnd rziazitipf tmf zipkp tmlt l `ahrlny pmavgd lddzfpp.

• Dftfzhinf tmf hapt lrrzarziltf pf`vzity hflpvzfp ta jf ihrgfhfntfd' jlpfd an tmf

rzfsiavpgy idfnticifd zipkp.

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Yfp Na Dan%t knau!Na lnpufz

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <2 ac :<Incazhltian Pf`vzity Ult`mdae 

Czah avz initilg lnlgypip ac tmf zfpranpfp' 0=.0& ac tmf pvzsfyfd `ahrlnifp mlsf l

hlnlefhfnt rza`fpp in rgl`f umi`m tmfy vpf an l rfziadi` jlpip ta lddzfpp tmf zipkp tmlt

`avgd lccf`t tmf `antinvity ac tmfiz arfzltianp' tmfzfjy dfhanptzltine' lt tmf avtpft' l

`fztlin gfsfg ac `an`fzn lnd rzal`tisf lrrzal`m -pff Ezlrmi` 6).

Ezlrmi` 6? @ahrlnifp `lzzyine avt pahf kind ac l`tian lihfd lt lddzfppine `antinvity

zipkp -&)

Jlpf? Tatlg PHFp -n8422) Pavz`f? INTF@A 

Umlt lzf tmf hl}ihvh intfzzvrtian tihfp tmlt `ln jf tagfzltfd jy PHFp1

In azdfz ta lnlgypf tmf lrrzarziltfnfpp ac tmf pf`vzity hflpvzfp in rgl`f lnd tmf l`tvlg

`antinvity nffdp zf|vizfd jy tmf slziavp l`tisity pf`tazp' avz lih ulp ta idfnticy' uitm tmf

PHFp pvzsfyfd in tmf ptvdy' tmf hl}ihvh tihf ac inl`tisity' in tmf fsfnt ac ln

intfzzvrtian' tmlt `avgd jf jaznf uitmavt tmip mlsine l pfziavp ihrl`t an tmfiz cinln`fp'

arfzltianp az tmf `ahrlny zfrvtltian -pff Ezlrmi` 3).

Izzfprf`tisf ac tmf indvptzy in |vfptian' 06.=& ac tmf `ahrlnifp ptltfd tmlt tmfy `avgd nat

lggau tmfiz kfy l`tisitifp ta jf mlgtfd' tmfzfjy vndfzginine tmf `ziti`lg ihraztln`f ac

ldartine jvpinfpp `antinvity rglnp lt lny kind ac PHF.

Pihiglzgy' angy <5.6& ac tmf phlgg lnd hi`za Prlnipm `ahrlnifp pvzsfyfd `avgd tagfzltf l

ptlndptigg in tmfiz l`tisitifp caz hazf tmln cisf dlyp uitmavt tmip mlsine l pfziavp fccf`t an

tmf `ahrlny.

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NaDan%t knau!Na lnpufzYfp' jvt angy a``lpianlggy lnd umfn tmf jvdeft lnd uazkgald rfzhitAngy zlzfgyYfp' uf mlsf ln artihipfd rza`fpp' hlnlefd lnd zfsifufd zfevglzgy

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef << ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` 3? Hl}ihvh tihf caz jvpinfpp l`tisity intfzzvrtian lt PHFp

Jlpf? Tatlg PHFp lnd pv``fpp ptazifp -n84:9) Pavz`f? INTF@A 

:.: Jvpinfpp `antinvity `vgtvzf lnd knaugfdef ac Prlnipm PHFp

Avz lrrzliplg ac tmf cindinep zfelzdine tmf gfsfg ac knaugfdef ac tmf jvpinfpp `antinvity

`vgtvzf zfsflgfd' fprf`ilggy' tmf dicci`vgtifp azelnipltianp mld uitm elinine l `gflz ezlpr ac

tmf kfy `an`frtp in tmip `annf`tian.

Lgtmavem 00& ac tmf PHFp `glihfd ta jf clhigilz uitm tmf `an`frtp ac jvpinfpp `antinvity'

angy :<.5& ac tmfpf zflggy knfu tmf diccfzfn`f jftuffn tmf tfzhp ‗Jvpinfpp @antinvity

Rgln‘ lnd ‗Diplptfz Zf`asfzy Rgln‘ -pff Ezlrmi` 5).

06'=&

<<'5&

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Ihhfdiltfgy Hazf tmln <: mavzp Hazf tmln :4 mavzp Hazf tmln 4= mavzp Hazf tmln 6 dlyp

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <: ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` 5? @ahrlnifp clhigilz uitm jvpinfpp `antinvity `an`frtp -&)

Jlpf? Tatlg PHFp -n8422) Pavz`f? INTF@A 

Tmfpf gfsfgp ac knaugfdef lnd tzlinine in tmf pvjof`t lzf indi`ltazp tmlt `ln jf `ahrlzfd

uitm tmf cindinep ac atmfz ptvdifp lt intfznltianlg gfsfg umi`m zfcgf`t tmf gaufz intfzfpt in

lnd lulzfnfpp ac jvpinfpp `antinvity(zfgltfd hlttfzp pmaun jy Prlnipm PHFp.

• Tmf miemfpt gfsfg ac knaugfdef ulp cavnd lt `ahrlnifp in tmf rzacfppianlg' p`ifntici`

lnd tf`mni`lg pf`tazp -0<.=&)' lnd tmapf fnelefd in tf`mnagaei`lg l`tisitifp -<=.:&)'

umfzflp `ahrlnifp in tmf fdv`ltian' mflgtm`lzf az pa`ilg pfzsi`fp pf`tazp pmaufd

ezfltfz dfci`ifn`ifp in tmip zfprf`t.

• Na |vlntitltisf diccfzfn`fp in tmf gfsfgp ac knaugfdef ac PHFp ufzf natfd umfn tmf

lnlgypip ca`vpfd an tmf pif ac `ahrlnifp

:.0 Lnlgypip ac tmf gfsfgp ac tmf ldartian ac jvpinfpp `antinvity hflpvzfp az

rglnp jy Prlnipm PHFp

Lp pmaun jy tmf cindinep ac tmf ptvdy' zfelzdine tmf ippvf ac jvpinfpp `antinvity' Prlnipm

PHFp lzf `mlzl`tfzipfd jy l efnfzlg vnlulzfnfpp ac umlt jvpinfpp `antinvity ip lnd itp

ihraztln`f in tmfiz dly(ta(dly arfzltianp.

3<'2&

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Na

Dan%t knau!Na lnpufz

Yfp' ljpagvtfgy

Yfp' uf mlsf tmfh caz jvpinfpp hlnlefhfnt rvzrapfp jvt I lh nat cvggy clhigilz uitm tmfh

I mlsf angy l slevf idfl' I mlsf mflzd ac tmfh a``lpianlggy

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <0 ac :<Incazhltian Pf`vzity Ult`mdae 

Umi`m `ahrlnifp mlsf dfcinfd pahf cazh ac jvpinfpp `antinvity ptzltfey1

Tmf ptvdy `an`gvdfd tmlt 0=.4 & ac tmf PHFp ptltfd tmlt tmfy mld pahf cazh ac ptzltfey

tmlt ca`vpfd an fnpvzine tmf `antinvity ac tmfiz jvpinfpp in tmf fsfnt ac ln in`idfnt az l

diplptfz. Tmip ezavr in`gvdfp jatm `ahrlnifp tmlt mld dfcinfd ptzltfeifp caz tmf `antinvity

ac tmfiz arfzltianp -<3.5&) lnd tmapf tmlt mld rza`fdvzfp in rgl`f pagfgy ta fnpvzf

zf`asfzy an l tf`mnagaei`lg gfsfg -:<.5&).

Ezlrmi` =? @ahrlnifp uitm pahf cazh ac jvpinfpp `antinvity ptzltfey -&)

Jlpf? Tatlg PHFp -n8422) Pavz`f? INTF@A 

Tmfzf lzf slziavp zflpanp umy `ahrlnifp gl`k l cazhlg rgln' lzipine' ta l glzef f}tfnt'

czah dicci`vgtifp az ajptl`gfp umfn it `ahfp ta tmf dfsfgarhfnt lnd ihrgfhfntltian ac tmf

ptzltfey. Tmf cl`t tmlt tmfy `anpidfz tmf gikfgimaad ac l `zipip az diplptfz a``vzzine ta jf

zfhatf' az gl`k tmf tihf' zfpavz`fp lnd!az jvdeft lzf pahf ac tmf ajptl`gfp miemgiemtfd

jy PHFp in tmip zfprf`t. Pihiglzgy' l gl`k ac knaugfdef lnd f}rfzifn`f ac tmf pvjof`t

hflnp tmlt l glzef rfz`fntlef ac tmf `ahrlnifp tmlt ldart `antinvity hflpvzfp df`idf ta

zfpazt ta f}tfznlg pvrrazt lnd lppiptln`f caz pahf ac tmf rgln’p dfsfgarhfnt rmlpfp

-4:.4&).

Umlt lzf tmf zflpanp jfmind tmf ihrgfhfntltian ac jvpinfpp `antinvity rglnp1

It ip lgpa ihraztlnt ta jf lulzf ac tmf zflpanp umy azelnipltianp jf`ahf insagsfd in

`antinvity. Lgtmavem evlzlntffine tmf lsligljigity ac jvpinfpp arfzltianp ip anf ac tmf hlin

ajof`tisfp rvzpvfd in tmf dfsfgarhfnt ac `antinvity rglnp' ptzltfei` lzevhfntp pv`m lp‗ihrzasine tmf `ahrlny’p zfrvtltian lnd rvjgi` ihlef‘ az ‗elinine l `ahrftitisf fdef‘

lzf ezldvlggy jf`ahine hazf ihraztlnt.

65'0&

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Na Dan%t knau!Na lnpufz

Yfp' rzfrlzfd lnd ihrgfhfntfd Yfp' lgtmavem it angy lggaup tmf zf`asfzy ac tf`mnagaey

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <4 ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` 9? Hlin zflpanp caz tmf ihrgfhfntltian ac jvpinfpp `antinvity rglnp

Jlpf? PHFp uitm l ptzltfey -n8<99) Pavz`f? INTF@A 

Umlt lzf tmf zflpanp caz PHFp’ gl`k ac jvpinfpp `antinvity hflpvzfp1

@fztlin `an`gvpianp `ln jf dzlun czah ln lnlgypip ac tmf zflpanp rvt cazulzd jy PHFp

caz nat mlsine jvpinfpp `antinvity hflpvzfp -pff Ezlrmi` <2)?

• Lrrza}ihltfgy mlgc ac Prlnipm phlgg lnd hi`za(`ahrlnifp gl`k tmf nf`fpplzy

lulzfnfpp lnd tzlinine ta vndfzptlnd mau sitlg it ip caz tmfiz azelnipltian ta mlsf tmf

hflnp ta zfprand ta pfziavp pitvltianp. Tmfy jfgifsf tmlt tmf rzajljigity ac tmfpf

pitvltianp a``vzzine ip pa gau tmlt it ip nat uaztm insfptine in hflpvzfp lnd rzfcfz ta

lppvhf tmf zipk -<9.<&). Lnatmfz <4.:& jfgifsf tmlt it ip ln vnnf`fpplzy f}rfnpf

eisfn tmf `apt ac ihrgfhfntltian.

In pmazt' tmfy mlsf ln in`azzf`t rfz`frtian ac tmf zipkp az tmzfltp ta umi`m tmfy hly jf

pvjof`t lnd ac tmf gikfgimaad ac l `antinefn`y lzipine umi`m' ic it ip nat dflgt uitm in

tihf' `avgd jf`ahf l pfziavp ippvf.

• Gl`k ac cvndp lnd jvdeftlzy zfpavz`fp ta `asfz tmf nf`fpplzy hflpvzfp -<6.<&).

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In tmf fsfnt ac rappijgf rlndfhi`p -puinf cgv)

Rzfsiavp intfzzvrtianp ta jvpinfpp arfzltianp

Lgienhfnt uitm tmf hlin indvptzy pf`vzity ptlndlzdp

@ahrgiln`f uitm zfevgltazy!gfelg zf|vizfhfntp

In zfpranpf ta ln intfznlg!f}tfznlg lvdit zf|vizfhfnt

@vptahfz zf|vizfhfntp

@ahrftitisf ldslntlef asfz atmfz hlzkft ahrftitazp

Zfrvtltian lnd rzatf`tian ac tmf `ahrlny%p rvjgi`ihlef

Evlzlntff tmf lsligljigity ac jvpinfpp arfzltian in tmf

fsfnt ac zipip

-<) Nat lt lgg ihraztlnt -:) Nat sfzy ihraztlnt -0) Ihraztlnt -4) \vitf ihraztlnt -6) Sfzy ihraztlnt

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <3 ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` <<? @ahrlnifp tmlt zf|vizfd f}tfznlg ldsipazy pfzsi`fp ta dflg uitm jvpinfpp

`antinvity rzaezlhhfp -&)

Jlpf? PHFp uitm ptzltfeifp -n8<99) Pavz`f? INTF@A 

:.4 @ahrlzltisf lnlgypip ac tmf hlnlefhfnt ac jvpinfpp `antinvity in Prlnipm

`ahrlnifp l``azdine ta pif

Vngikf PHFp' glzef Prlnipm `ahrlnifp mlsf hazf hflnp' hazf zfpavz`fp lnd' ljasf

lgg' l ezfltfz gfsfg ac lulzfnfpp ta `ahrzfmfnd tmlt tmf ldartian ac jvpinfpp `antinvity

rglnp ip `ziti`lg caz ln azelnipltian.

Indffd' lp  Ezlrmi` <:  pmaup' =<.<& ac glzef `ahrlnifp mlsf ihrgfhfntfd jvpinfpp

`antinvity rglnp -`ahrlzfd ta 0=.4& ac PHFp tmlt mlsf vndfztlkfn `ahf kind ac initiltisf

in tmip zfelzd). Cvztmfzhazf' hapt glzef `ahrlnifp mlsf hazf ptlcc ta hlnlef tmfpf

rglnp uma' in hapt inptln`fp' uazk cvgg(tihf in tmip lzfl.

44'4&

49':&

3'4&

Yfp Na Dan%t knau!Na lnpufz

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <5 ac :<Incazhltian Pf`vzity Ult`mdae 

Ezlrmi` <:? @ahrlzipan ac tmf gfsfg ac jvpinfpp `antinvity rgln ihrgfhfntltian

Jlpf? tatlg PHFp -n8422) lnd glzef `ahrlnifp -n8:60) Pavz`f? INTF@A 

Tmf pitvltian ac PHFp ip dzlpti`lggy diccfzfnt lp tmfy hvpt ca`vp an dly(ta(dly rzadv`tian

lnd pa tmf tlpk ac kffrine tmfiz jvpinfpp l`tisity ”lcgalt’ lnd pvzsisine in tmf jvpinfpp

uazgd jf`ahfp tmfiz hlin ealg. Tmip rziazitipltian ac ajof`tisfp hflnp tmlt atmfz ihraztlnthlttfzp' pv`m lp `antinvity hlnlefhfnt' lzf cazeattfn az' lt gflpt' tlkf l jl`k pflt.

:.6 Jvpinfpp antinvity jfpt rzl`ti`fp

Rlzt ac tmip ptvdy ca`vppfd an PHFp umi`m da `vzzfntgy mlsf pahf cazh ac pv``fppcvggy

dfcinfd `antinvity ptzltfey az rgln. Tmf :9 azelnipltianp `mapfn lp l plhrgf in tmip

pf`tian ufzf lpkfd ljavt lny kfy cl`tazp az eaad rzl`ti`fp tmlt tmfy mld ta dfsfgar in

azdfz ta fccf`tisfgy ihrgfhfnt tmfiz hflpvzfp lnd tmf jfnfcitp ginkfd ta tmfiz

ihrgfhfntltian.

In ginf uitm tmf hlin ptlndlzdp in tmf cifgd' PHFp `an`vz tmlt tmf caggauine lzf eaad

rzl`ti`fp tmlt lid tmf dfsfgarhfnt ac `antinvity hflpvzfp czah l ptzltfei`' tl`ti`lg lnd

arfzltianlg ptlndraint?

• Tmf pvrrazt lnd `ahhithfnt ac hlnlefhfnt.

• L rzfgihinlzy lnlgypip ac tmf zipkp lccf`tine tmf `ahrlny.

0='4&

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PHF Glzef `ahrlny

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Prlnipm PHFp in tmf cl`f ac zipkp lnd tmf ihrgfhfntltian ac Jvpinfpp @antinvity Rglnp Rlef <9 ac :<Incazhltian Pf`vzity Ult`mdae 

@AN@GVPIANP LND ZF@AHHFNDLTIANP

Tmfzf ip l efnfzlg gl`k ac lulzfnfpp lhanept Prlnipm PHFp ac tmf hvgtitvdf ac zipkptmfy cl`f' tmf rzajljigity tmlt tmfy uigg a``vz lnd tmf `anpf|vfn`fp tmlt tmfy `ln `lvpf.

Tmip hiptlkfn sifu ac tmf zipkp gfldp `ahrlnifp ta vnuittinegy l``frt tmfh lnd ldart l

rzfdahinlntgy zfl`tisf rapitian' i.f. angy umfn tmfy pvccfz pfziavp pf`vzity in`idfntp da

tmfy pmau ln intfzfpt lnd jf`ahf uiggine ta ihrzasf tmf zfpiptln`f ac tmfiz arfzltianp.

In tmip pitvltian' tmfzf ip l `gflz nffd caz jvpinfpp `antinvity rglnp in azdfz ta hinihipf tmf

ihrl`t ac pfziavp dipzvrtianp ta jvpinfpp arfzltianp.

Tmf ldartian ac tmfpf hflpvzfp `ahfp vr lelinpt tmzff hlin ajptl`gfp?

• Fccaztp ca`vpfd an dly(ta(dly hlnlefhfnt miemgiemt l gl`k ac zfpavz`fp.

• Tmf `apt!jfnfcit zltia dafp nat lrrflz ta jf clsavzljgf ta tmf jvpinfpp aunfz. Tmf

hiptlkfn arinian tmlt ”natmine fsfz mlrrfnp’ gfldp ta tmf idfl tmlt `antinvity ip ln

vnnf`fpplzy f}rfnpf.

• Gl`k ac knaugfdef lnd tmf nffd ta vpf f}tfznlg prf`ilgiptp ta ldsipf an tmf

ihrgfhfntltian ac hflpvzfp zfpvgt in in`zflpfd `aptp.

In giemt ac tmip' l prf`ici` jaapt nffdp ta jf eisfn ta tmf intzadv`tian ac pvrrazt pfzsi`fp caz

tmf ihrgfhfntltian ac jvpinfpp `antinvity rglnp caz PHFp' in`gvdine' caz f}lhrgf?

• Tzlinine lihfd lt `zfltine intfzfpt lnd `an`fzn lt PHFp lnd knaugfdef ac tmf zipkp

tmfy cl`f.

• Ln PHF(prf`ici` pfzsi`f accfzine `asfzine lgg tmf lzflp ac tmf jvpinfpp `antinvity rgln

-tf`mnagaey' arfzltianp' hlnlefhfnt' cinln`ilg' gfelg lnd gaeipti`p pfzsi`fp' ft`.).

• Ezfltfz lulzfnfpp lnd fccf`tisf taagp fnljgine PHFp ta `lg`vgltf tmf `apt!jfnfcit

zltia in azdfz ta jfttfz rziazitipf lsligljgf zfpavz`fp lnd dftfzhinf insfpthfntp.

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mttr?!!ajpfzsltazia.intf`a.fpuuu.dfgaittf.fp