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Analіz bankіvskoї dіyalnostі - Gerasimov AM

Subject 9. ANALІZ BANKІVSKIH Hotel

9.1. Analіz rozrahunkovo-kasovogo obslugovuvannya klієntіv in natsіonalnіy valyutі

9.1.1. Meaning, meta, zavdannya th іnfor matsіynі dzherela analіzu

Meaning analіzu rozrahunkovih i kasovih operatsіy obumovleno mіstsem Tsikh operatsіy in dіyalnostі bankіv and the Same:

• rozrahunkovі operatsії Je nayposhirenіshimi operatsіyami bankіv, i chastka Tsikh operatsіy zbіlshuєtsya in zv'yazku s dinamіchnim rozvitkom rozdrіbnogo market analysis and takozh s vikoristannyam platіzhnih kartok;
• rozrahunkovі operatsії zdіysnyuє perevazhna bіlshіst Resources Bank;
• rozrahunkovі that kasovі operatsії vikonuyutsya not tіlki yak okremі operatsії, stink takozh suprovodzhuyut aktivnі that pasivnі operatsії;
• Venue of Tsikh operatsіy spriyaє zaluchennyu naydeshevshih resursіv;
• rizikovanіst rozrahunkovih operatsіy uniquely nizhcha riziku Activity operatsіy;
• Income od rozrahunkovih operatsіy Je stabіlnіshimi, nіzh revenues od Activity operatsіy.

Metoyu analіzu rozrahunkovih operatsіy Je viznachennya napryamіv rozshirennya Cola poslug, pіdvischennya konkurentospromozhnostі bank on market analysis th otrimannya dodatkovih Jerel dohodіv.

Before zmіstu analіzu rozrahunkovih i kasovih operatsіy Inbox:

• analіz obsyagіv, structure i dinamіki rozrahunkovih i kasovih operatsіy;
• analіz konkurentospromozhnostі bank on market analysis schodo rozrahunkovogo that kasovogo obslugovuvannya klієntіv;
• analіz rezultatіv zdіysnennya rozrahunkovo-kasovogo obslugovuvannya.
• Analіzuyuchi rozrahunkovo-kasove obslugovuvannya, potrіbno vikoristovuvati takі groupies іnformatsіynih Jerel:
• zakonodavchі that document and normativnі schodo zagalnoї bankіvskoї dіyalnostі;
• zakonodavchі normativnі document and that s the power that rozrahunkovih kasovih operatsіy;
• vnutrіshnobankіvskі document and s power organіzatsії buhgalterskogo oblіku, organіzatsії dokumentoobіgu;
• FORMS statistichnoї that buhgalterskoї zvіtnostі, SSMSC vikoristovuyutsya in protsesі analіzu zagalnoї bankіvskoї dіyalnostі;
• FORMS statistichnoї that fіnansovoї zvіtnostі schodo rozrahunkovih that kasovih operatsіy;
• danі analіtichnogo oblіku rozrahunkovih that kasovih operatsіy;
• danі analіtichnogo oblіku dohodіv that vitrat;
• Treaty on rozrahunkovo-kasove obslugovuvannya;
• Treaty on vstanovlennya i vikoristannya zabezpechennya software system "Klієnt-Bank";
• vnutrіshnobankіvskі document and schodo structural pіdrozdіlіv, SSMSC zdіysnyuyut rozrahunkovі that kasovі operatsії;
• Tariffs of the Bank;
• danі bankіv-konkurentіv schodo vidіv poslug, tarifіv that poslug of Quality.

Before zakonodavchih that normative dokumentіv schodo zagalnoї bankіvskoї dіyalnostі, SSMSC regulyuyut okremі power rozrahunkovih that kasovih operatsіy, nalezhat: The Law of Ukraine "On banks i bankіvsku dіyalnіst"; The Law of Ukraine "About platіzhnі system is the perekaz pennies in Ukraine»; The provisions about the order vidachі banks bankіvskih lіtsenzіy, pismovih dozvolіv that lіtsenzіy on vikonannya okremih operatsіy; The provisions about the order stvorennya i derzhavnoї reєstratsії bankіv, vіdkrittya їh fіlіy, predstavnitstv, vіddіlen; Plan rahunkіv buhgalterskogo oblіku komertsіynih bankіv Ukraine.

Bankіvskі rozrahunki conductive at gotіvkovіy that bezgotіvkovіy forms zgіdno s rules vstanovlenimi legal acts Natsіonalnogo Bank of Ukraine. Before them nalezhat: Іnstruktsіya about the order that vіdkrittya vikoristannya rahunkіv in natsіonalnіy that іnozemnіy valyutі; Іnstruktsіya about bezgotіvkovі rozrahunki in Ukraїnі in natsіonalnіy valyutі; Rules organіzatsії rozrahunkovo-kasovogo obslugovuvannya komertsіynimi banks klієntіv i vzaєmovіdnosin s tsogo power mіzh teritorіalnimi upravlіnnyami Natsіonalnogo Bank of Ukraine is the komertsіynimi banks natsіonalnіy valyutі, Іnstruktsіya about mіzhbankіvskі rozrahunki in Ukraїnі, Іnstruktsіya company profile Robot s gotіvkovogo obіgu install bankіv Ukraine; Іnstruktsіya number 1 of organіzatsії emіsіyno-kasovoї Robot Set in bankіv Ukraine, the provisions about Keeping kasovih operatsіy in natsіonalnіy valyutі in Ukraїnі; Rules organіzatsії rozrahunkovo-kasovogo obslugovuvannya komertsіynimi banks klієntіv i vzaєmovіdnosin s tsogo power mіzh teritorіalnimi upravlіnnyami Natsіonalnogo Bank of Ukraine is the komertsіynimi banks natsіonalnіy valyutі; The provisions about the order emіsії platіzhnih kartok i zdіysnennya operatsіy s їh zastosuvannyam.

Before zagalnih forms statistichnoї that fіnansovoї zvіtnostі, SSMSC vikoristovuyutsya at analіzі rozrahunkovih that kasovih operatsіy, vіdnosyat: Balance of bank (form number 1D (schodenna) bank balance (form number 1 mіsyachna) turnover balance bank balance sheet (form number 10 mіsyachna); carrying zvіt bank (form number 11), Zvіt about pributki that zbitki komertsіynih bankіv (form number 2).

Vazhlivimi Jerel faktichnoї Informácie for analіzu rozrahunkovih that kasovih operatsіy Je randomness zvіtnіst for zaznachenimi operatsіyami bankіv. Before Tsikh Jerel Informácie nalezhit zvіtnіst:

• Zvіt about Quantity klієntіv that Osobowa rahunkіv 1 sіchnya (f number 752 rіchna.);
• Zvіt about kasovі Turnover bank (form number 747 ten-day);
• Zvіt about kasovі turnover (form number 748 mіsyachna);
• Danі about operatsії, SSMSC zdіysnenі іz zastosuvannyam platіzhnih kartok emіtovanih for klієntіv bank (form number 401 quarterly);
• Danі about operatsії, SSMSC zdіysnenі іz zastosuvannyam platіzhnih kartok through Vlasnyi іnfrastrukturu bank (form number 402 quarterly);
• Danі about emіtovanih Quantity (rozpovsyudzhenih) platіzhnih kartok for klієntіv bank that tehnіchnі zasobi scho vikoristovuyutsya at zdіysnennі operatsіy s їh zastosuvannyam (form number 403 quarterly);

Carrying analіzu obsyagіv operatsіy for їh species that results in the deprivation mozhlive pіdstavі danih analіtichnogo buhgalterskogo oblіku operatsіy that dohodіv i vitrat for operatsіy views.

Oskіlki rozrahunkovі i kasovі operatsії zdіysnyuyutsya on pіdstavі dogovorіv bank s klієntami in yakih minds vіdobrazhayutsya Venue of operatsії then tsі Treaty Yea i bunt Jerel Informácie pid hour analіzu okremih vidіv operatsіy.

Analіz organіzatsії rozrahunkovih that kasovih operatsіy zdіy-snyuєtsya on pіdstavі vnutrіshnіh dokumentіv bank organіzatsіynoї s power structure of the bank, the bank staff rozkladu, nayavnostі i rozvitku MEREZHI bank characteristics that tehnologії avtomatizatsії, characteristics regime robot tehnologіchnih cards for operatsіy views.

Bank Tariffs on Bank Hotel is the bankіv-konkurentіv Je vazhlivim Jerel Informácie to characterize konkurentospromozhnostі Tsikh poslug on market analysis.

W metoyu viyavlennya novih produktіv s market analysis on the power rozrahunkovogo that kasovogo obslugovuvannya toil vikoristovuvatisya materіali bankіv - lіderіv market analysis.