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Bankіvskі operatsії - Frost AM

Rozrahunki checks

Rozrahunki checks. Check - tse pismove rozporyadzhennya vlasnika stream rahunku (chekodavtsya) bank, Where Money Does rakhunok vіdkrito (bank emіtentu) viplatiti vkazanu bag of pennies pred'yavniku check (check holder). Checks SSMSC zastosovuyutsya for bezgotіvkovih platezhіv, nazivayutsya rozrahunkovimi.

Rozrahunki checks zastosovuyutsya perevazhno in otrimanі payments for goods, Realized works, nadanі Hotel and takozh in deyakih monetized payments. On praktitsі checks dotsіlno zastosovuvati in vnutrіshnomіskih rozrahunkah. Prote in Ukraїnі tsya form rozrahunkіv rozvinuta poorly porіvnyano s zahіdnimi kraїnami have bagatoh s yakih Je check one s basic platіzhnih іnstrumentіv.

Zgіdno s Іnstruktsієyu about bezgotіvkovі rozrahunki in gospodarskomu oborotі Ukraine checks mozhut vikoristovuvatisya in rozrahunkah mіzh Yurydychna personages that mіzh fіzichnimi i Yurydychna individuals. Rozrahunki checks mіzh fіzichnimi not particularly dopuskayutsya.

Payment by check garantovana scho zabezpechuєtsya deponuvannyam chekodavtsem potrіbnoї sumi koshtіv on okremomu rahunku "Rozra- hunkovі checks" from the bank emіtentі. Said at deponuvannya koshtіv platnik podaє bank odnochasno s declared obsession on chekovoї books.

Rozrahunkovі vipisuyutsya checks on specific oderzhuvachіv payments tobto Je іmennimi, letterhead, vigotovlenih on spetsіalnomu paperі for zrazkami, zatverdzhenimi NBU (Fig. 3.5). Checks broshuruyutsya chekovі in books of 10, 20, 25 pieces, SSMSC Je forms suvoroї zvіtnostі. Rows dії chekovoї books - one Year.

Pіdpriєmstva oderzhuyut chekovі books in banks, SSMSC lead їhnі rahunki on pіdstavі declared as set by zrazka.

When vidachі chekovoї books on bank prostavlyaє nіy zabronovanih koshtіv scrip to pay for chekіv (lіmіt chekovoї books). Vipisuyuchi rozrahunkovі checks chekodavets zapovnyuє korіnets to Demba Where Money Does prostavlyaєtsya scrip nevikoristanogo lіmіtu. Cutaneous the following check Mauger vipisuvatisya tіlki in furrows nayavnogo lіmіtu chekovoї books.

Fig. 3.5. Form check rozrahunkovogo

Vipisany check peredaєtsya paysites predstavniku oderzhuvacha koshtіv for otrimanі od Demba Flea chi nadanі Hotel. Chekodavtsevі zaboronyaєtsya send both checkbook іnshіy osobі chi vidavati not zapovnenі, ale z pіdpisanі checks vіdbitkami seals paysite.

Oderzhuyuchi check od paysite, holder of a check is guilty uvazhno yogo perevіriti, perekonatisya in osobі pred'yavnika check for yogo passport postaviti pіdpis scho zasvіdchuє of acceptance check on yogo zvorotі that the check korіntsі and takozh osnovnі danі bring about a check that about the lady in chekodavtsya spetsіalnu vіdomіst. Such oberezhnіst potrіbna for dwellers uniknuti Pay pіdroblenih that misfiled chekіv. Check Got Booty pred'yavleny bank before payment protyagom 10 dnіv not vrahovuyuchi vipiski day.

Upevnivshis in spravzhnostі that pravilnostі clearance check, holder of a check pred'yavlyaє Yogo (s іnshimi time checks that the entire reєstrom Quantity nayavnih chekіv) in svіy bank for payment. Bank check holder TER uvazhno perevіryaє cutaneous filed check that їh reєstr i, Yakscho viyavit defektnі checks vikreslyuє їh s reєstru i povertaє klієntu.

Yakscho potochnі rahunki chekodavtsya i check holder vіdkritі in odnіy ustanovі bank, the payment receipt zdіysnyuєtsya negayno - som s yogo spisuєtsya rahunku "Rozrahunki checks" chekodavtsya i zarahovuєtsya on the production rakhunok check holder. Yakscho Well їhnі rahunki vіdkritі rіznih from banks, then pіslya of acceptance check bank check holder peresilaє yogo chekodavtsya the bank (bank emіtent) for іnkasatsії.

Otrimavshi check, bank emіtent guilty uvazhno perevіriti yogo on pravilnіst clearance vіdpovіdnіst pіdpisіv that vіdbitka gerbovoї seals chekodavtsya їhnіm zrazkam in karttsі zrazkіv, nayavnіst vіlnogo lіmіtu chekovoї books emіtovanіst danim yogo bank toscho. Tse robitsya for Zahist іnteresіv klієnta bank emіtenta. Yakscho bank is not Got zauvazhen chi sumnіvіv schodo check, the bag yogo vіn spisuє s rahunku chekodavtsya "Rozrahunki checks" on channel i mіzhbankіvskih rozrahunkіv pererahovuє check holder in the bank. Otrimavshi Costa, ostannіy zarahovuє їh on the production rakhunok check holder.

Bank emіtent Mauger vіdmoviti oplatі in check, scho nadіyshov for іnkasatsії, check abo Yakscho reєstr chekіv vipisanі s torn down chinnih vimog chi Yakscho vipisany check on the bag, scho perevischuє zalishok koshtіv, deponovanih paysite on rahunku "Rozrahunki checks." Unpaid check bank emіtent povertaє check holder in the bank, yaky yogo vruchaє svoєmu klієntu. Ostannіy Got right schodo pred'yaviti pretenzії such check in order to vstanovlenomu chekodavtsya, and razі їh vіdhilennya - Call.

Diagram and document checks at rozrahunkah hovering in Fig. 3.6.

Yakscho bank od emіtenta protyagom 10 dnіv not nadhodyat Costa by check, bank check holder is guilty Dachi Yomou RFQ zatrimki about causality. Not pіznіshe the following day pіslya obsession RFQ Tsey Bank guilty Dachi vіdpovіd bank check holder and ostannіy povіdomlyaє її zmіst svoєmu klієntu.

Fig. 3.6. Driving zdіysnennya rozrahunkіv checks at obslugovuvannі seller i pokuptsya rіznimi install bankіv

In line zakіnchennі dії chi vicherpannі lіmіtu chekovoї books in nіy mozhut zalishitisya nevikoristanі checks. In tsomu Mauger razі chekodavets poprositi Bank prodovzhiti lines dії books chi popovniti її lіmіt. Yakscho and y tsomu Absent required, nevikoristanі povertayutsya checks to bank emіtenta, de stink pogashayutsya.