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Bankіvskі operatsії - Frost AM

3.6. Kasovі operatsії

Vazhlivim directly dіyalnostі bankіv Je kasovі operatsії. Pong polyagayut in priymannі gotіvki od klієntіv, zarahuvannі її on rahunki, zberezhennі priynyatih koshtіv that vidachі gotіvki on vimogu klієntіv. Especially vazhlivim i vіdpovіdalnim for bank svoєchasne Yea i Povny zadovolennya vimog klієntіv on vidachu gotіvki. Vid tsogo Dovira klієntіv deposits to bank їh mozhlivіst vіlno rozporyadzhatisya svoїmi Costa normally vikonuvati svoї zobov'yazannya on zarobіtnіy platі that іnshih payments scho zdіysnyuyutsya gotіvkoyu.

Kasovі operatsії toil great significance for themselves bankіv for їhnіh klієntіv i for bankіvskoї system in tsіlomu. Priymayuchi gotіvku od klієntіv - Yurydychna that fіzichnih osіb banks zbіlshuyut svoї reserve for rakhunok chogo rozshiryuyut aktivnі operatsії that zabezpechuyut zrostannya dohodіv. Vidayuchi gotіvku klієntam banks styaguyut komіsіynu fee, yak popovnyuє їhnі income. In operatsіyah s gotіvkoyu banks mozhut nadavati svoїm klієntam Cheema dodatkovih poslug (s іnkasatsії, samoobslugovuvannya toscho) SSMSC takozh give dodatkovі income.

Klієnti bankіv through kasovі operatsії nadayut svoїm penny Costa deposit form scho spriyaє їh maintained upstream zberezhennyu that vikoristannyu, obsession dodatkovih dohodіv od deposit protsentіv. Vodnochase they zrostaє ymovіrnіst vtrat zavdyaki riziku nelіkvіdnostі bankіv.

Bankіvska system regulyuyuchi kasovі operatsії, zaluchaє gotіvku vnutrіshnobankіvsky in turnover. Zavdyaki tsomu won zbіlshuє svoї reserve i skorochuє vitrati on gotіvkovy obіg, polіpshuє structure groshovoї masi, pіdvischuє uregulovanіst i prozorіst trumpery turnover obmezhuє vikoristannya pennies for obslugovuvannya tіnovih dohodіv.

Vazhliva role kasovih operatsіy in dіyalnostі bankіvskoї Sistemi obumovlyuє neobhіdnіst їh tsentralіzovanogo regulyuvannya. W metoyu yogo zdіysnennya NBU uhvaliv normativnі three documents:

• Іnstruktsіyu s organіzatsії emіsіyno-kasovoї Robot Set in bankіv Ukraine;
• Keeping the position of pro kasovih operatsіy in natsіonalnіy valyutі in Ukraїnі;
• Іnstruktsіyu company profile Robot s gotіvkovogo obіgu install bankіv Ukraine.

Vkazanimi documents viznachenі osnovnі vimogi to organіzatsії banks kasovogo obslugovuvannya klієntіv:

• dotrimannya standards chinnogo zakonodavstva that vimog normative aktіv National Bank schodo organіzatsії gotіvkovogo obіgu;
• prognozuvannya install NBU gotіvkovogo obіgu vіdpovіdno to vimog basically ambushes penny-kreditnoї polіtiki that control dotrimannyam pokaznikіv forward-looking;
• Povny i svoєchasne zabezpechennya potreb Economy in gotіvkovih Costa;
• svoєchasna vidacha install bankіv gotіvki in furrows nayavnih on rahunkah koshtіv i on tsіlі, poperedno viznachenі klієntami in їh penny checks;
• stvorennya minds for zaluchennya gotіvki to CAS bankіv that spriyannya skorochennyu gotіvkovih platezhіv in rozrahunkah item i Hotel.

For zdіysnennya kasovih operatsіy place the bankіv organіzovuyut pributkovі kasi in yakih zdіysnyuєtsya priymannya gotіvki od klієntіv, that vidatkovі kasi, s yakih zdіysnyuєtsya vidacha gotіvki. The banks are small s obsyagami kasovih operatsіy mozhut organіzovuvatisya ob'єdnanі pributkovo-vidatkovі kasi. Yakscho bank setups zdіysnyuє іnkasatsіyu viruchki klієntіv forces іnkasatorskogo aparata, then won Mauger stvoriti, krіm pributkovoї kasi, slit th Kasu pererahunku in yakіy pererahovuєtsya vmіst іnkasatorskih bags. Banks takozh mozhut organіzovuvati vechіrnі kasi for priymannya od klієntіv viruchki, yak nadhodit pіslya zakіnchennya operatsіynogo day bank. Vidatkovі operatsії vechіrnі kasi not zdіysnyuyut.

Bankіvskі kasovі operatsії bazuyutsya organіzatsіynih at Sunset, pov'yazanih s regulyuvannyam gotіvkovogo obіgu. Tse peredusіm skladannya forward-rozrahunkіv kasovih oborotіv organіzatsіya that control of forward-looking vikonannyam pokaznikіv s nadhodzhen i vidach gotіvki; rozroblennya calendar vidach gotіvki for days on mіsyatsya i okremih klієntah; established for dermal klієnta lіmіtu zalishku kasi; viznachennya strokіv that order іnkasatsії viruchki for organіzatsіy torgіvlі an area poslug toscho. Zgіdno s tsimi taps cutaneous klієnt bank for obsession kasovih poslug guilty poperedno:

• rozrobiti i tribute forward-bank rozrahunok svoїh kasovih oborotіv a quarter (Yakscho bank skladaє svіy forecast kasovih oborotіv);
• povіdomiti bank viznacheny day obsession gotіvki on viplatu zarobіtnoї pay that INSHI platezhі;
• Bank taxes rozrahunok lіmіtu minutes will win Yomou vstanovleny lіmіt zalishku kasi;
• taxes prіzvische individuals vіdpovіdalnoї obsession for delivery gotіvki i s bank that sposіb її transportuvannya.