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Analіz bankіvskoї dіyalnostі - Gerasimov AM

9.2. Analіz operatsіy іz bankіvskimi platіzhnimi kartka

9.2.1. Meta is the zavdannya analіzu operatsіy іz bankіvskimi platіzhnimi kartka

Operatsії s bankіvskimi platіzhnimi kartka Je dosit novim directly bankіvskogo bіznesu, yaky, s one side, rozshiryuє range poslug bank zadovolnyayuchi note by zrostayuchі require klієntіv, іnshogo s side - Je bearing-down Jerel resursіv yak in іnozemnіy, so i in natsіonalnіy currencies.

Vіdpovіdno to sedate zakonodavstva, platіzhna kartka - spetsіalny platіzhny zasіb in viglyadі emіtovanoї in establishing zakonodavstvom order plastikovoї chi іnshogo mind kartka scho vikoristovuєtsya for іnіtsіyuvannya perekazu pennies s rahunka paysite abo s vіdpovіdnogo rahunka bank s metoyu Pay vartostі tovarіv i poslug, pererahuvannya pennies Zi svoїh rahunkіv on rahunki іnshih osіb, otrimannya pennies in gotіvkovіy formі in Kasakh bankіv, paragraphs obmіnu іnozemnoї currency upovnovazhenih bankіv that through bankіvskі automatic and takozh zdіysnennya іnshih operatsіy, peredbachenih vіdpovіdnim contract.

For zabezpechennya rozrahunkіv s vikoristannyam platіzhnih kartok banks vikonuyut funktsіyu emіsії that ekvayring. Emіsіya platіzhnih kartok peredbachaє vіdkrittya kartkovogo rahunka i Key infrastructure platіzhnoї kartka pevnoї platіzhnoї system.

Ekvayring - dіyalnіst schodo tehnologіchnogo, іnformatsіynogo obslugovuvannya torgovtsіv that vikonannya rozrahunkіv s them for operatsіyami s vikoristannyam platіzhnih kartok.

So rank, emіsіya bankіvskih platіzhnih kartok peredbachaє vіdkrittya kartkovih rahunkіv, zalishki for yakimi Je dodatkovim Jerel resursіv. W tsієyu metoyu banks zaluchayut to kartkovogo bіznesu rіznі the category klієntіv, proponuyuchi rіznomanіtnі obslugovuvannya minds.

Bankіvskі platіzhnі kartka mozhut mother debit credit schemes that obslugovuvannya.

Debit scheme - platіzhna scheme scho peredbachaє rozrahunki for operatsіyami s platіzhnoyu kartka in furrows Vlasnyi koshtіv klієnta, SSMSC oblіkovuyutsya on yogo kartkovomu rahunku.

Credit schemes - platіzhna scheme scho peredbachaє vikonannya rozrahunkіv for operatsіyami s platіzhnoyu kartka for rakhunok bank loan.

Zauvazhimo scho practical Credit kartka nadaєtsya klієntovі on the minds zabezpechennya credit riziku. Naychastіshe in praktitsі bankіv vikoristovuyutsya FORMS garantіynih depozitіv, SSMSC TER zabezpechuyut formuvannya resursnoї bazi bank. For operatsіyami agentіv scho rozpovsyudzhuyut platіzhnі kartka at IPU member banks, rozmіschuyut garantіynі deposits SSMSC TER Je dodatkovim Jerel resursіv.

Analіz dіyalnostі bank s vikoristannyam mіzhnarodnih platіzhnih held kartok s metoyu z'yasuvannya dotsіlnostі zdіysnennya Tsikh operatsіy yak for the bank, so i for yogo klієntіv and takozh for dotsіlnostі yogo uchastі in mіzhnarodnih platіzhnih systems. Zvazhayuchi to those scho otsіnka rezultatіv dіyalnostі one bank nedostatnya for Pevnyi Wisnu vkіv schodo rozvitku netorgovelnih operatsіy bank neobhіdno vikoristati danі about operatsії s platіzhnimi kartka іnshih of Ukrainian bankіv, SSMSC Je members mіzhnarodnih platіzhnih systems.

In Table. 9.12 imposed obsyag emіsії platіzhnih kartok at the market of Ukraine.

table 9.12

OBSYAG EMІTOVANIH KARTOK VISA INTL. The I MASTER CARD Stan on 01.06.2002 r., Pieces. *

* Dzherelo: Іnformatsіya Ukraїnskoї asotsіatsії bankіv-chlenіv Master Card.

Yak seen danih s Table. 9.12 lіderami in emіsії platіzhnih kartok mіzhnarodnih platіzhnih Je systems sistemnі banks, scho to incoming groupies great. Rozgaluzhena fіlіyna trammel, realіzatsіya charge-Pay proektіv, vivchennya competitive market analysis, a temple rіven robots s klієntom that Buchan kerіvnitstvom bank prіoritetіv rozvitku kartkovogo bіznesu, іnvestuvannya digit іnvestitsіy at Yogo rozvitok spriyali Pevnyi results.

For competitive encampment dwellers otsіniti bank on market analysis natsіonalnomu kartok, vikoristaєmo danі bankіv Ukraine, SSMSC Je members Ukraїnskoї asotsіatsії bankіv-chlenіv Master Card.

W hover danih table 9.13-9.15 seen scho banks Ukraine odnakovoyu mіroyu Je prihilnikami oboh platіzhnih systems. Napriklad have strukturі emіsії PrivatBank card VISA intl. stanovlyat 79.82% as against 20,18% Master Card, and Pravex Bank to spіvvіdnoshennya korist kartok Master Card. Such іnformatsіya neobhіdna for vivchennya encampments competitive market analysis, yogo structure is the tendentsіy, s note dwellers orієntuvatis on naymensh zaynyatі nіshі market analysis.

table 9.13

Pete VAGA of Ukrainian BANKІV have ZAGALNOMU OBSYAZІ EMІSІЇ KARTOK MASTER CARD In UKRAЇNІ pitched in 01.06.2002 p.

table 9.14

Pete VAGA of Ukrainian BANKІV have ZAGALNOMU OBSYAZІ EMІSІЇ KARTOK VISA INTL. In UKRAЇNІ pitched in 01.06.2002 p.

table 9.15

Pete VAGA KARTOK have ZAGALNІY EMІSІЇ KARTOK OKREMIH ON BANKS 01.06.2002 Stan on p.

Vіdpovіdno to sedate zakonodavstva mіzhnarodna platіzhna system - platіzhna system in yakіy platіzhna organіzatsіya Mauger Buti yak resident or non-resident i i yak zdіysnyuє his dіyalnіst on teritorії dvoh i bіlshe kraїn that zabezpechuє Venue of perekazuvannya pennies s odnієї Kraina in іnshu.

Nayvіdomіshimi in svіtі Je VISA International, American Express, Diners Club International, Master Card International. On sogodnі naybіlshoyu mіzhnarodnoyu platіzhnoyu organіzatsієyu in svіtі Je VISA International, on yak pripadaє 60% of the market analysis bankіvskih kartok. Others for svіtovimi pokaznikami Je Master Card International, won 30% volodіє svіtovogo market analysis. Mayzhe in such spіvvіdnoshennі rozpodіlyaєtsya kartkovy rinok Ukraine, perevagoyu yakogo Je kartka mіzhnarodnoї platіzhnoї Sistemi VISA Intl., From їh Quantity zagalnomu obsyagu kartkovih produktіv becoming blizko 53%, and Europay Intl., Vіdpovіdno 47%.

Neobhіdnim that vplivovim factor rozvitku kartkovogo Rinku Je osnaschenіst bank obladnannyam for vikonannya ekvayringu. For tsogo dotsіlno vivchiti fondoosnaschenіst Rinku provіdnih bankіv.

table 9.16

Quantity OBLADNANNYA FOR OBSLUGOVUVANNYA PLATІZHNIH KARTOK Stan on 01.06.2002 r., Pieces.

W navedenoї tablitsі seen scho on natsіonalnomu kartkovomu Rinku velikі banks emіtenti odnochasno Yea i have lіderami sferі ekvayringu. Otzhe for zmіtsnennya svoїh pozitsіy bank dotsіlno rozshiryuvati his ekvayringovu dіyalnіst for rakhunok rozshirennya MEREZHI obslugovuvannya that rozvitku konkurentospromozhnih tarifіv.