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Fіnansova dіyalnіst sub'єktіv gospodaryuvannya - Tereshchenko OO

6.2.2. Practicality robot іz zaluchennya bankіvskih kreditіv

In Table. 6.2 Get organized organіzatsії the robot schodo otrimannya bankіvskih pozichok and takozh viznachenі osnovnі emphasis in tsіy robotі on SSMSC povinnі zvertati uwagi kerіvnitstvo pіdpriєmstva that yogo fіnansovі service.

For otrimannya loan pozichalnik (kerіvnik, fіnansovy manager іnsha upovnovazhena person) spochatku zvertaєtsya to the bank to conduct poperednіh peregovorіv. Tse Mauger zvernennya zdіysnyuvatisya call chi zavdyaki zustrіchі s vіdpovіdnim pratsіvnikom vіddіlu credit bank. In hodі spіvbesіdi predstavnik pіdpriєmstva guilty z'yasuvati golovnі kriterії otrimannya minds that credit line, on SSMSC mozhlivo otrimati credit dіapazon interest rates, repayment order, dokumentіv list SSMSC neobhіdno Nadachi bank. On osnovі provedenoї spіvbesіdi otsіnyuyutsya chances of loan otrimannya i priymaєtsya rіshennya about dotsіlnіst prodovzhennya away peregovorіv s obranim bank.

In razі, Yakscho poperednі, discuss proyshli uspіshno, fіnansovі service pіdpriєmstva gotuyut package dokumentіv, neobhіdnih rozglyadu Power Bank for about nadannya loan. Perelіk dokumentіv skladaєtsya cutaneous Bank vіdpovіdno to obranoї him metodologії otsіnki kreditospromozhnostі pozichalnika that yogo іnformatsіynih required. Oznachaє Tse, scho bank Mauger Leather vimagati od potentsіynogo pozichalnika svіy spetsifіchny nabіr dokumentіv.

table 6.2

ORGANІZATSІYA FІNANSOVOЇ robots ІZ ZALUCHENNYA BANKІVSKOGO LOAN

Types list for neobhіdnih otrimannya loan dokumentіv mіstit:

a) klopotannya (leaf application) in the pozichalnika іm'ya head Pravlіnnya about vidachu bank loan, de zaznachayutsya: rekvіziti potentsіynogo pozichalnika; tsіlі zaluchennya loan; neobhіdna scrip; line zaluchennya koshtіv; zabezpechennya kind of credit; zobov'yazannya svoєchasnogo repayment osnovnoї Sumi loan that protsentіv in viznacheny termіn;

b) protocol rіshennya zborіv vlasnikіv Zgoda schodo zaluchennya on loan from viznachenіy sumі that about nadannya lane in the outpost іz zaznachennyam parametrіv Lane, yogo vartostі, mіstseznahodzhennya toscho;

c) a document that fіnansovoї podatkovoї zvіtnostі:

Balance ostannі 2-3 Rocky (іz schokvartalnoyu rozbivkoyu for ostannіy zvіtny Year);

zvіti about fіnansovі result that zvіti about ruh penny koshtіv for viznacheny perіod;

declaration about Prybutok pіdpriєmstva (s dodatkami time);

rozshifrovka kreditorskoї that debіtorskoї zaborgovanostі (in rozrіzі sum zaborgovanostі, kontragentіv, viniknennya reasons, viniknennya date that repayment) zvіtnu the stop date is the date on zvernennya at the bank;

g) іnformatsіya schodo rozmіrіv zaborgovanostі bankіvskimi for loans;

d) visnovki auditor schodo fіnansovo-Mainova will pіdpriєmstva that kopії aktіv perevіrok Reigning podatkovih bodies;

e) BIZNES plan neobhіdnimi warehouses yakogo Je rozrahunok required in kapіtalі, termіni osvoєnnya that okupnostі zaluchenih koshtіv, Cash-flow forecast for perіod on yaky zaluchayutsya Costa, toscho;

g) kopії kontraktіv, dogovorіv, rahunkіv invoices (іnvoysіv) Mitnija deklaratsіy, іnshih dokumentіv, pov'yazanih іz dosyagnennyam tsіley on SSMSC takes the credit;

h) document that SSMSC zasvіdchuyut chi Inshyj zabezpechennya kind of credit;

and) dovіdki s bankіv de vіdkritі rahunki pozichalnika, about vіdsutnіst zaborgovanostі for loans.

Yak usually neobhіdnoyu minds otrimannya loan Je vіdkrittya pozichalnikom stream rahunku in kredituyuchomu bank. For tsogo podaєtsya STANDARD nabіr dokumentіv, peredbachenih for vіdkrittya such rahunku.

Date of possession od potentsіynogo pozichalnika package dokumentіv in Povny obsyazі vvazhaєtsya datoyu ofіtsіynogo zvernennya pіdpriєmstva for a loan.

Before Tim yak priynyati rіshennya schodo nadannya loan, the bank carried out retelnu fіnansovo-ekonomіchnu Sanitary and Epidemiological dіyalnostі potentsіynogo pozichalnika. Analіz zdіysnyuєtsya for such key directly:

otsіnka of Quality Management;

situatsіya pіdpriєmstva on market analysis faktorіv virobnitstva that zbutu produktsії;

fіnansovy camp potentsіynogo pozichalnika;

otsіnka credit zabezpechennya.

Management pіdpriєmstva guilty usvіdomlyuvati, scho, okrіm obsession package dokumentіv have protsesі otsіnki dotsіlnostі nadannya loan pratsіvniki bank conductive zbіr dodatkovoї information The pіdpriєmstvo: stink mozhut zdіysniti perevіrku dostovіrnostі otrimanih danih on mіstsі, incl vіdvіdati virobnichі, skladskі that INSHI primіschennya... Credit expert of, yak usually spend spіvbesіdu s kerіvnikom pіdpriєmstva, yogo fіnansovim director, head accountant, іnshimi provіdnimi managers.

Otsіnivshi Credit rizik, credit expert of (chi grupa ekspertіv) uzgodzhuє s potentsіynim pozichalnikom rіven protsentnoї rate minds that repayment pozichki i Splat protsentіv. In vіtchiznyanіy praktitsі dosit often rіshennya about vstanovlennya protsentnoї rates for priymaєtsya sub'єktivnimi kriterіyami, zokrema zdatnіstyu kerіvnika pіdpriєmstva (chi fіnansovogo manager) prezentuvati svіy BIZNES that іmіdzh (іnvestor relations), and takozh od umіnnya negotiate s vіdpovіdnimi pratsіvnikami bank yogo kerіvnitstvom. Situatsіya types Yea, if pozichalniki s porіvnyano odnakovim rіvnem kreditospromozhnostі, credit іstorієyu that Credit rizikom otrimuyut in one second to Well Bank loan for rіznimi percent.

Venue of Pіslya ekonomіchnoї that pravovoї Sanitary and Epidemiological information The pozichalnika a credit expert of skladaє vіdpovіdny visnovok (CV) Where Money Does obґruntovuєtsya Ekonomichna dotsіlnіst vidachі credit induced zagalna іnformatsіya about yakіsnі that kіlkіsnі parametric dіyalnostі pіdpriєmstva, yakіst i dostatnіst credit zabezpechennya.

Rіshennya residual schodo nadannya kreditіv pozichalnikam, Square od zaproshuvanogo rozmіru loan priymaєtsya kolegіalno (pravlіnnyam banks, credit komіtetom, komіsієyu i t. Іn.) Bіlshіstyu golosіv that oformlyaєtsya protocol. When priynyattі vіdpovіdnogo rіshennya rozglyadaєtsya resume expert of credit, bank Bezpeka visnovok service, act otsіnki credit zabezpechennya that visnovok Yurydychna services.

Trivalіst rozglyadu kreditnoї applications digit mіroyu deposits od string on yaky vidaєtsya pozichka, that kvalіfіkatsії vіdpovіdnih pratsіvnikіv bank. Yak usually rіshennya priymaєtsya protyagom 1-3 tizhnіv. Zrozumіlo scho denote dovshimi Je line that bіlshoyu scrip kredituvannya, team ґruntovnіshim i trivalіshim Je Credit analіz.

In razі of acceptance of the positive rіshennya schodo vidachі bank loan oformlyaє vіdpovіdnі document scho reglamentuyut kreditnі vzaєmovіdnosini. Until such dokumentіv nalezhat:

Credit dogovіr (ukladaєtsya mіzh lender i pozichalnikom tіlki in pismovіy formі);

Surety Agreement (garantії);

Treaty to force.

Pіslya pіdgotovki that perevіrki proektіv vіdpovіdnih dogovorіv stink peredayutsya on pіdpis upovnovazhenim ladies pozichalnika that bank. Kreditnі lands that deyakі Vidi dogovorіv not force the potrebuyut notarіalnogo posvіdchennya. Treaty to force neruhomogo Lane zasobіv that the agriculture and takozh contract of guarantee (garantії) potrebuyut notarіalnogo posvіdchennya.

Nadannya loan zdіysnyuєtsya Shlyakhov vіdkrittya pozichalniku pozichkovogo rahunku that pererahuvannya on Demba vіdpovіdnoї sumi koshtіv. When planuvannі Ruhu penny potokіv fіnansovі service pіdpriєmstva povinnі vrahovuvati TAKE:

otrimanі viglyadі loan from Costa mozhna vikoristovuvati deprivation on zaznachenі in dogovorі tsіlі (for netsіlove vikoristannya koshtіv bank Mauger styagnuti penalty in sumі, peredbachenіy Credit land) * 1;

* 1: {NBU rekomenduє in the credit agreement peredbachiti vіdpovіdalnіst pozichalnika for vikoristannya not for tsіlovim priznachennyam loan from viglyadі styagnennya s pozichalnika rozmіrі a fine of up to 25% od rozmіru vikoristanogo not for priznachennyam loan from vstanovlenomu chinnim zakonodavstvom order.}

Costa zaborgovanostі for repayment for a loan to pay for pershochergovo napravlyayutsya protsentіv for credit potіm - prostrochenoї zaborgovanostі; scrip, scho zalishilasya, napravlyaєtsya to repay the loan;

torn down for strokіv Povernennya loan i protsentіv splachuєtsya peredbachena credit agreements penalty;

in razі viniknennya timchasovih fіnansovih uskladnen mozhna porushuvati to the bank about the transference of power strokіv platezhіv for a loan;

Basic scrip loan is the interest on nomu mozhna splachuvati dostrokovo.

Bank protyagom usogo dії line of credit agreement pіdtrimuє dіlovі Contacts s ​​pozichalnikom, zabezpechuє yogo Advisory Hotel s power Keeping bіznesu that vikonannya contract. Fіnansovі that INSHI service of companies povinnі stvoryuvati minds to conduct pratsіvnikami bank monіtoringu that control the order vikoristannya loan that will dinamіkoyu fіnansovogo pozichalnika and takozh perіodichno іnformuvati bank about hіd vikonannya land. In protsesі monіtoringu held such a robot:

perevіryaєtsya tsіlove vikoristannyam loan;

otsіnyuєtsya fіnansovy camp pіdpriєmstva that viznachaєtsya vіdhilennya factuality pokaznikіv dіyalnostі od zaplanovanih;

perevіryaєtsya camp zberezhennya cluttered lane;

perevіryayutsya zastavnі mozhlivostі pozichalnika i tretіh osіb, SSMSC garantuyut Povernennya pozichki.

On osnovі obrobki oderzhanoї in protsesі monіtoringu Informácie introducing Offers schodo away vіdnosin s pozichalnikom. When tsomu mozhut priymatisya rіshennya schodo:

Transferred strokіv Povernennya loan (yak Typically, Zi styagnennyam pіdvischenoї protsentnoї rates);

zmіni minds kredituvannya (napriklad, zmіni protsentnoї rates);

rozіrvannya contract іz dostrokovim styagnennyam loan (in razі nedotrimannya pozichalnikom credit agreement of minds).