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Analіz bankіvskoї dіyalnostі - Gerasimov AM

9.2.2. Іnformatsіyne zabezpechennya analіzu that yogo Vidi

W glancing categories klієnta kartkovі rahunki vіdkrivayutsya fіzichnim ladies - іndivіdualnі kartka, Yurydychna ladies - korporativnі kartka. Quantity digit kartkovih rahunkіv fіzichnih osіb vіdkrivaєtsya through realіzatsіyu salary proektіv, sutnіst yakih bazuєtsya on pererahuvannі zarobіtnoї pay spіvro-bіtnikіv of companies that organіzatsії on їh vlasnі rahunki.

For analіzu tsієї groupies resursіv bank slіd viznachiti:

• zagalnu Quantity kartkovih rahunkіv;
• balansovі rahunki in analіtichnomu rozrіzі number 2605 "Costa sub'єktіv gospodarskoї dіyalnostі for rozrahunkіv platіzhnimi kartka», № 2625 "Costa fіzichnih osіb for rozrahunkіv platіzhnimi kartka";
• zagalnu Quantity emіtovanih kartok;
• obsyag koshtіv, zaluchenih on kartkovі rahunki;
• Tempi zrostannya that growth koshtіv, zaluchenih on kartkovі rahunki.

For otsіnki potuzhnostі kartkovih rahunkіv yak dodatkovogo dzherela resursіv bank slіd proanalіzuvati, yak chastku zaymayut zaluchenі them in Costa zagalnomu obsyazі resursіv. Tse values ​​neobhіdno rozglyanuti in such rozrіzі:

• Klієntіv categories: fіzichnі individuals that sub'єkti pіdpriєmnitskoї dіyalnostі.

Debetovі that kreditovі platіzhnі kartka.

table 9.17

ZALUCHENІ Costa BANKІV have ROZRІZІ RAHUNKІV, yew. UAH

Otzhe, obsyagi zaluchenih koshtіv on kartkovі rahunki at 2001 p. have become 33.6% (h fіzichnih osіb them - 26%, Yurydychna osіb - 7.60%) in 2002 p. їh chastka zbіlshilas to 39.65%, scho about svіdchit valued role operatsіy іz platіzhnimi kartka in formuvannі resursnoї bazi.

table 9.18

EMІSІYA PLATІZHNIH KARTOK have ROZRІZІ TA Credit Debit KARTOK, pcs.

Danі poperednіh table pokazuyut spіvvіdnoshennya emіsії i Debit Credit kartok. In Nashomu prikladі at 2001 p. emіsіya debit kartok perevazhala emіsіyu Credit (66.67% - debetnі, 33.33% - kreditnі) priblizno TAKE sama spіvvіdnoshennya zberіgalos i in the following perіodі. This structure emіsії kartok tsіlkom vipravdana, oskіlki debetovі kartka Je bіlsh available for klієntіv that Mensch rizikovanimi. Krіm addition, zaznachene spіvvіdnoshennya vplivaє i chinnik nayavnostі znachnoї kіlkostі salary proektіv, SSMSC TER realіzuyutsya mainly on bazі debit kartok.

Yakscho bank Je participant kіlkoh platіzhnih systems dotsіlno viznachiti structure platіzhnih kartok for species mіzhnarodnih platіzhnih systems.

Change log in Dinamіka kіlkostі kartkovih klієntіv, emіsії platіzhnih kartok, obsyagi koshtіv for operatsіyami, Vidi operatsіy (operatsії in torgovіy MEREZHI, otrimannya gotіvkovogo advance) will іnformatsіyu stosovno tendentsіy rozvitku in sferі kartkovogo bіznesu.

Іnformatsіynim zabezpechennyam analіzu rozrahunkіv іz vikoristannyam platіzhnih kartok Je:

• Danі analіtichnogo oblіku that is synthetic.
• Ofіtsіynі FORMS zvіtnostі - № 401 "Danі about operatsії, SSMSC zdіysnenі іz zastosuvannyam platіzhnih kartok, emіtovanih for klієntіv bank», № 402 "Danі about rozrahunki, SSMSC zdіysnenі on pіdpriєmstvah torgіvlі (poslug), that operatsії vidachі gotіvki іz zastosuvannyam platіzhnih kartok through Vlasnyi іnfrastrukturu bank ", number 403" about Danі Quantity emіtovanih platіzhnih kartok for klієntіv bank that tehnіchnі zasobi scho vikoristovuyutsya at zdіysnennі operatsіy s їh zastosuvannyam ".
• Zvіti mіzhnarodnim platіzhnim systems.

Quantity emіtovanih kartok in nashіy kraїnі not Mauger Buti absolutely pokaznikom rozvitku market analysis, oskіlki bagato kartok zalishayutsya not zadіyanimi abo them held Neznachny Quantity operatsіy. Bіlshe of up to one kartkovogo rahunka shaping can Buti priv'yazanі kіlka kartok.

Znachuschim pokaznikom Mauger Buti aktivnіst kartka, yak demonstruє Quantity operatsіy scho zdіysnyuyutsya protyagom one day for odnієyu kartka. Tsey pokaznik rozrahovuєtsya yak vіdnoshennya zagalnoї kіlkostі operatsіy to kіlkostі kartok perіod at that hour, for yaky stink boule provedenі. Pokaznik aktivnostі kartka at 2001 p. in Ukraїnі becomes 0.025. Oznachaє Tse, scho protyagom rock at serednomu for odnієyu kartka vіdbuvaєtsya 9.15 operatsіy. Tsey pokaznik already in 2002 r. MAV values ​​0.0486. Zavdyaki takіy dinamіtsі rozvitku kartkovogo market analysis Quantity operatsіy for odnієyu kartka at 2002 p. It becomes 17.4.

Taqiy pokaznik dotsіlno rozrahuvati operatsіyami for a specific bank, scho will give mozhlivіst porіvnyati aktivnіst kartka bank s serednіmi pokaznikami at the market of Ukraine.

Structurally analіz operatsіy s platіzhnimi kartka peredbachaє z'yasuvannya such power:

• Pete Wagga zalishkіv on kartkovih rahunkah in zagalnomu obsyazі zaluchenih resursіv;
• Pete Wagga zalishkіv on kartkovih rahunkah in rozrіzі klієntіv (fіzichnih that Yurydychna osіb);
• Pete Wagga zalishkіv on kartkovih rahunkah in rozrіzі currencies;
• structure emіsії platіzhnih kartok in rozrіzі platіzhnih systems;
• structure emіsії platіzhnih kartok in rozrіzі credit that debit kartok;
• operatsіy structure in rozrіzі kіlkostі operatsіy s vidachі gotіvki that obslugovuvannya in pіdpriєmstvah torgіvlі that servіsu;
• operatsіy structure in rozrіzі obsyagіv operatsіy s vidachі gotіvki that obslugovuvannya in pіdpriєmstvah torgіvlі that servіsu.

Pete Wagga zalishkіv on kartkovih rahunkah (N) in zagalnomu obsyazі zaluchenih resursіv rozrahovuєtsya of the formula:

.

de Sres - zagalna scrip zaluchenih koshtіv;

Scard - suma zaluchenih koshtіv on kartkovі rahunki.

Pete Wagga zalishkіv on kartkovih rahunkah in rozrіzі klієntіv (fіzichnih that Yurydychna osіb) rozrahovuєtsya analogіchno for obranoyu kategorієyu klієntіv. Tsey pokaznik svіdchit about napryamlenіst kartkovih produktіv in rozrіzі Yurydychna that fіzichnih osіb. Dotsіlno takozh proanalіzuvati minds on yakih zaluchayutsya Costa on kartkovі rahunki she minds obslugovuvannya rahunkіv.

Structure emіsії platіzhnih kartok in rozrіzі platіzhnih pokazuє systems kartka yakoї platіzhnoї Sistemi vіddayut perevagu klієnti bank.

table 9.19

EMІSІYA PLATІZHNIH KARTOK FOR SPECIES PLATІZHNIH SYSTEMS pieces.

W danih Table. 9.19 seen scho in 2001 p. in emіsії platіzhnih kartok perevazhali kartka platіzhnoї Sistemi Visa intl. - 57.78%, in the following rotsі їh chastka zbіlshilas to 66.10%, prirіst becomes 50%. Urahovuyuchi, scho in svіtі kartka tsієї platіzhnoї Sistemi TER toil perevagu over іnshimi can stverdzhuvati scho rozvitok kartkovogo bіznesu in Ukraїnі vіdpovіdaє svіtovim tendentsіyam.

On pіdstavі danih structural analіzu viznachaєtsya camp structuring emіsії kartok (zadovіlny, nezadovіlny toscho) that otsіnyuєtsya vpliv rіznomanіtnih faktorіv scho sformuvali structure.

Yak vіdomo, platіzhna kartka vikoristovuєtsya to pay for that tovarіv poslug i otrimannya gotіvki. In tsomu sensі slіd proanalіzuvati vikoristannya kartok in torgovelno-servіsnіy MEREZHI (tab. 9.20) that for otrimannya gotіvki (tab. 9.21).

Tablitsі 9.20

VIKORISTANNYA kartka have TORGOVELNO-SERVІSNІY MEREZHI

Porіvnyannya pokaznikіv aktivnostі that vikoristannya kartka in torgovelno-servіsnіy MEREZHI daє іnformatsіyu stosovno rolі kartkovomu bank on market analysis Ukraine, aktivnostі kartok scho him emіtovanі, naskіlki Tsey pokaznik blizky to serednіh values ​​in bankіvsky sistemі uzagalі that in rozrіzі MEAs.

table 9.21

VIKORISTANNYA KARTOK FOR ZNYATTYA GOTІVKI

Yakscho porіvnyati pokazniki, navedenі in Table 9.12 is the 9.13 mіzh you, then viyavimo scho pokaznik aktivnostі kartok Visa vischy in torgovelno-servіsnіy MEREZHI and kartok Master Card, navpaki - bіlsha aktivnіst for operatsіyami otrimannya gotіvki. Taka herself situatsіya sposterіgaєtsya in Nashomu prikladі. In torgovelno-servіsnіy MEREZHI in serednomu one operatsіyu for kartka Visa from Bank pripadaє 95 UAH for kartka Master Card - 180 UAH, and pokaznik aktivnostі Tsikh kartok in torgovelno-servіsnіy MEREZHI vіdpovіdno for Visa - 0,0042 (mayzhe Dvi operatsії on Year ), for the Master Card - 0,0012 (abo one operatsіya on Year). Tse svіdchit about those scho Sered rozrahunkіv for kartka Visa klієntami bank vikoristovuyutsya for SPLAT tovarіv that poslug at 3.5 times bіlshe, nіzh Master Card, ale mayzhe vartіst odnієї operatsії Mensch 1.84 times (18 095 = 1.84) nіzh quiet, scho zdіysnyuyutsya for kartka Master Card.

And now rozglyanemo, yak vikoristovuyutsya rіznі Vidi kartok for otrimannya gotіvki in Nashomu prikladі. Pokaznik aktivnostі Visa for tsimi operatsіyami becoming 0.0031, serednya scrip odnієї operatsії - 256 UAH. For kartka Master Card - pokaznik aktivnostі - 0.031, serednya scrip operatsії - 164 UAH.

For zabezpechennya rozrahunkіv s vikoristannyam platіzhnih kartok bank bezumovno, guilty mother vіdpovіdne obladnannya - ATM, POS-termіnali, іmprinteri.

Vazhlivo proanalіzuvati structure ekvayringovoї MEREZHI bank in rozrіzі tehnіchnogo obladnannya, rozrahuvati pokazniki її rozshirennya that efektivnіst vikoristannya. Efektivnіst vikoristannya viznachaєtsya rozrahunkom:

• serednoї kіlkostі tranzaktsіy on one type of obladnannya perіod;
• serednogo obsyagu koshtіv one kind obladnannya;
• serednoї vartostі odnієї operatsії scho zdіysnyuєtsya for cutaneous views obladnannya;
• sumi dohodіv for operatsіyami in rozrіzі tehnіchnogo obladnannya.

Slіd porіvnyati tsі pokazniki s analogіchnimi have passed perіodі that viznachiti pokazniki growth.

Usі zmіni scho vіdbuvayutsya in obsyagah that strukturі operatsіy іz platіzhnimi kartka, neobhіdno proanalіzuvati s Look faktorіv vplivu.

Vnutrіshnі factorization vplivu:

• Credit is the tariff polіtika bank;
• tehnologіchna osnaschenіst;
• kvalіfіkatsіya personnel;
• reklamnі come in.

Before zovnіshnіh faktorіv mozhna vіdnesti:

• ekonomіchnu situatsіyu in kraїnі;
• regіon Kraina, Mista toscho;
• popit on Hotel that Offers;
• admіnіstrativnі that zakonodavchі chinniki.