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Bankіvskі operatsії - Frost AM

4.2. Principi d minds kredituvannya

Vazhlive values ​​for efektivnoї organіzatsії Credit vіdnosin mіzh banks i klієntami toil fun- bankіvskogo kredituvannya. Bankіvske kredituvannya zdіysnyuєtsya for such principles: strokovіst Povernennya, tsіlovy character zabezpechenіst that platnіst loan.

Principle strokovostі Povernennya oznachaє, scho Got Booty Turn pozichka pozichalnikom bank in zazdalegіd obumovleny lines tobto vіn konkretizuє Povernennya loan Pevnyi hour.

Vid dotrimannya principle strokovostі Povernennya loan deposits mozhlivіst nadannya novih pozichok, oskіlki one іz resursіv kredituvannya Je povernenі pozichki. Torn down tsogo principle kredituvannya generally produces up peretvorennya strokovoї zaborgovanostі for pozichkami have stitched. When porushennі strokіv Povernennya i nayavnostі stitched pozichok novі loans, yak usually not nadayutsya.

Tsіlovy character kredituvannya pripuskaє vkladannya pozichkovih koshtіv in konkretnі gospodarskі processes, projects, come in. Credit nadaєtsya pozichalniku, yak usually on specific tsіl, not to scho in Demba vinikla nagalna require in Costa. Vid dotrimannya tsogo principle bagato in chomu deposits svoєchasnіst Povernennya pozichki, to scho tіlki realіzatsіya tsіlі on yak is gained credit Mauger zabezpechiti neobhіdnі groshovі Costa to repay the Borg.

Principle zabezpechenostі pozichok Got zahistiti Interests i do not bank dopustiti zbitkіv od nepovernennya Borg vnaslіdok neplatospromozhnostі pozichalnika. Vіn oznachaє scho proti zaborgovanostі for pozichkami, yak vіdobrazhaєtsya in pasivі balance klієnta-borzhnika, Got Booty Pevnyi Mein (goods abo tsіnnі Papero), yak in vrahovuєtsya aktivі abo yogo balance zobov'yazannya tretoї individuals pogasiti Borg Bank (garantії, surety toscho) .

Deyakі loans mozhut nadavatisya i without zabezpechennya, Yakscho bank on tse daє his Zgoda.

Vіdsutnіst zabezpechennya Mauger Buti yak viklikana ob'єktivnimi reasons, if the nature of the loan is not Ekonomichna peredbachaє vkladennya koshtіv in materіalnі tsіnnostі (napriklad, loans for viplatu zarobіtnoї pay for vistavlennya akreditivіv toscho), so i sub'єktivnimi, if іde bank on tse svіdomo, strahuyuchi svіy pіdvischeny rizik temple pozichkovimi percent.

In protsesі kredituvannya klієntіv Bank vimagaє not tіlki Povernennya oderzhanoї pozichki and th Splat percent for koristuvannya her. In the minds rinkovih vіdnosin percentage Je ob'єktivnim suputnikom loan yogo warehouses Lanka oskіlki Credit operatsіya - tse act komertsіynogo sale at Pevnyi hour koshtіv penny. For rakhunok protsentіv banks pokrivayut svoї vitrati i oderzhuyut Prybutok. Percentage Je takozh one іz zasobіv upravlіnnya sukupnim penny trafficking, scho Kraina zastosovuєtsya central bank.

Zdіysnennya Credit operatsіy komertsіynih bankіv Got vіdpovіdati Pevnyi vimogam i minds.

Loans vidayutsya tіlki in furrows nayavnih resursіv scho Yea rozporyadzhennі in the bank. About Cutaneous vipadok nadannya pozichalniku loan rozmіrі scho perevischuє 10% Vlasnyi kapіtalu (velikі credits) komertsіyny Bank musit povіdomiti Natsіonalny Bank of Ukraine. Sukupna zaborgovanіst for loans vrahovanimi notes that 100% sumi pozabalansovih zobov'yazan, Vidanov one pozichalniku not Mauger perevischuvati 25% Vlasnyi koshtіv komertsіynogo bank.

Zagalny rozmіr kreditіv, nadanih bank stosovno vsіh pozichalnikіv, s urahuvannyam 100% pozabalansovih zobov'yazan bank, not Mauger perevischuvati eightfold rozmіru Vlasnyi koshtіv bank.

Kredituvannya pozichalnikіv Got zdіysnyuvatisya s doderzhannyam komertsіynim Bank ekonomіchnih normativіv regulyuvannya bankіvskoї dіyalnostі that vimog National Bank schodo formuvannya obov'yazkovih, insurance i backup fondіv.

Pozichki nadayutsya vsіm sub'єktam gospodaryuvannya Square od FORMS vlasnostі for minds, scho pozichalnik Je Yurydychna special, zareєstrovanoyu yak sub'єkt pіdpriєmnitstva, abo fіzichnoyu individuals.

Rіshennya about nadannya priymayutsya kolegіalno loan (credit komіtetom (komіsієyu) bank vіddіlennya, fіlії) th oformlyaєtsya protocol.

Kredituvannya zdіysnyuєtsya in furrows parametrіv, viznachenih polіtikoyu bank SSMSC vklyuchayut: prіoritetnі eg in kredituvannі; obsyagi kreditіv that the structure of the loan portfolio; granichnі rozmіri loan per pozichalnika; a technique that will otsіnki fіnansovogo kreditospromozhnostі pozichalnika; rіven protsentnoї toscho rates.

Loans nadayutsya tіlki on komertsіynih ambushes s doderzhannyam such minds:

- Set the jar otsіnki kreditospromozhnostі pozichalnika, fіnansovoї stabіlnostі, rentabelnostі, lіkvіdnostі;

- Kredituyutsya tіlki Ti Vidi dіyalnostі pozichalnika, SSMSC peredbachenі yogo statute;

- Pozichalnik guilty mother Vlasnyi i am Main Braty fate in fіnansuvannі ob'єkta scho kredituєtsya, Pevnyi sumoyu Vlasnyi kapіtalu.

Banks mozhut nadavati blankovі credits (nezabezpechenі Maina that іnshimi forms), in the furrows of the ale tіlki Vlasnyi koshtіv i deprivation klієntam Zi stіykim fіnansovim pitched that іnsayderam bank in sumі, scho not perevischuє 50% nomіnalnoї vartostі aktsіy bank scho perebuvayut in їhnіy vlasnostі.

Banks do not mozhut nadavati loans: to pokrittya zbitkіv gospodarskoї dіyalnostі pozichalnika; on the one formuvannya zbіlshennya statutory fund klієnta; to make klієntom platezhіv in budget i pozabyudzhetnі funds (vinyatkom kredituvannya on kontokorentnomu rahunku); pіdpriєmstvam against the right yakih Porush about bankrutstvo; pіdpriєmstvam have contracts yakih not peredbacheno strahuvannya mozhlivih vtrat od delivery failures inventory materіalnih tsіnnostey; pіdpriєmstvam, SSMSC toil stitched zaborgovanіst for ranіshe otrimanimi pozichkami i nesplachenimi percent.

To obsession pozichalnik zvertaєtsya loan to the bank s credit application, to enter the warehouse yakoї Pevnyi dokumentіv package. Warehouse neobhіdnih dokumentіv deposits od nature kreditnoї operatsії, i for rіznih klієntіv vіn Mauger Buti rіznim.

Loans nadayutsya on pіdstavі ukladenoї mіzh bank i pozichalnikom kreditnoї land (the contract). Before ukladannya loan agreement the bank is guilty retelno proanalіzuvati kreditospromozhnіst pozichalnika, zdіysniti Sanitary and Epidemiological project chi gospodarskoї operatsії scho proponuєtsya for kredituvannya, viznachiti stupіn riziku for banks that structure maybutnoї pozichki (suma, strings, interest rates toscho).

In credit dogovorі peredbachayutsya: meta, suma, rows, order form vidachі i repay the loan, the form zabezpechennya zobov'yazan pozichalnika, interest rates, the order i th shape splat protsentіv main Borg rights zobov'yazannya, vіdpovіdalnіst storіn schodo nadannya i repayment kreditіv, perelіk vіdomostey, rozrahunkіv that іnshih dokumentіv, neobhіdnih for kredituvannya, perіodichnіst їh filed bank mozhlivіst that the Bank perevіrok on mіstsі, nayavnostі i'm zberіgannya Zastavny Lane toscho. Zmіst credit agreement viznachaєtsya parties fallow od konkretnoї kreditnoї operatsії.

When viniknennі in pozichalnika timchasovih fіnansovih trudnoschіv s ob'єktivnih reasons that have nemozhlivostі zv'yazku s CIM repay the loan at the lines, to the credit agreement, the bank Mauger in okremih vipadkah Nadachi pozichalniku vіdstrochku (prolongatsіyu) Repayment Borg Zi zmіnoyu kіntsevogo line repay the loan. Prolongatsіya loan oformlyaєtsya dodatkovoyu lands to the credit agreement.

Bankіvske kredituvannya zdіysnyuєtsya іz zastosuvannyam such pozichkovih rahunkіv: Just spetsіalny, kontokorentny.

Just pozichkovy rakhunok Je nayposhirenіshoyu Form bankіvskogo string kredituvannya. On nomu Mauger Buti tіlki activity (debit) balance, skin vidachі fact i repay the loan documents oformlyaєtsya vіdpovіdnimi klієnta abo Bank (platіzhne doruchennya, rozporyadzhennya bank credit vіddіlu operatsіynomu vіddіlu toscho).

Spetsіalny pozichkovy rakhunok zastosovuєtsya bank okremih vipadkah, napriklad at kredituvannі pozichalnika pid outpost Bills.

Vіn Je Form oblіku pozichok to zapitannya. Yakscho on tsomu rahunku vinikaє credit balances vono in one day samy Got Booty zarahovane on the production rakhunok pozichalnika. Repayment of loans for the yak Mauger zdіysnyuvatisya platіzhnimi doruchennyami pozichalnika so i Shlyakhov zarahuvannya koshtіv, SSMSC nadhodyat on korist pozichalnika od borzhnikіv for bills, credit spetsіalnogo pozichkovogo rahunku. Bank Got right styagnuti zaborgovanіst for spetsіalnim pozichkovim rahunkom at whether yaky hour without Poperedjennia klієnta, ale Tse Got Booty peredbacheno Credit lands.

Kontokorentny rakhunok - tse active-Passive rakhunok on Money Does oblіkovuyutsya OAO All operatsії bank s klієntom. On nomu vіdbivayut, s one side (for debit) zaborgovanіst bank OAO All i platezhі s rahunku for doruchennyam klієnta and іnshogo s (for a loan) - nadhodzhennya koshtіv at Bank od platnikіv have viglyadі vkladіv, Povernennya pozichok toscho.

Kontokorentny rakhunok poєdnuє in sobі pozichkovy rakhunok s Flow i Mauger mother abo debit credit balance. Operatsії on nomu zdіysnyuyutsya for Relief pismovih doruchen klієnta.

Bank zdіysnyuє control vikonannyam pozichalnikami credit agreement minds tsіlovim vikoristannyam loan svoєchasnim i Povny repayment yogo i Splat protsentіv him. When viniknennі Pevnyi torn down credit agreement minds s side pozichalnika bank Got the right zastosovuvati ekonomіchnі i pravovі sanktsії.

In razі pogіrshennya ekonomіchnogo will pozichalnika vikoristannya him credit for not tsіlovim priznachennyam, uhilennya od control bank nadannya nedostovіrnoї zvіtnostі th zapuschenostі buhgalterskogo oblіku, nesvoєchasnogo Povernennya credit and takozh in vipadku, if nadany credit viyavlyaєtsya nezabezpechenim bank Got the right pred'yaviti vimogu about dostrokove styagnennya loan i protsentіv him, in fact chislі Shlyakhov spryamuvannya styagnennya on zabezpechennya zakonodavstvom in the prescribed order.

Yakscho viyavlenі Fakti vikoristannya not for loan tsіlovim priznachennyam bank Got the right dostrokovo rozіrvati Credit dogovіr scho Yea pіdstavoyu for styagnennya vsіh koshtіv in furrows zobov'yazan pozichalnika of the loan agreement.

When nesvoєchasnomu pogashennі Borg for a loan that i nenadannі percent of bank loan repayment prolongatsії vіn Got right to the penalty zastosuvannya sanktsіy in rozmіrah, peredbachenih credit agreement.

In razі vіdmovi pozichalnika od Pay borgіv for pozichkami Bank styaguє Borg in-pretenzіyno pozovnomu order.

Yakscho not systematically pozichalnik vikonuє zobov'yazan schodo Splat Borg vіdpovіdno kreditnoї to please the bank Mauger at zvernutisya peredbachenomu law order іz stated about torn down Spravi about bankrutstvo.

W metoyu priskorennya rozrahunkіv stitched for loans the bank Mauger vikoristovuvati takі form, yak vіdstuplennya right vimogi that translated Borg.

Zgіdno Zi statte 197 Tsivіlnogo Code of Ukraine in perіod dії zobov'yazan Mauger vіdbuvatisya zamіna lender abo borzhnika. The lender (bank) Mauger send both svoї rights for zobov'yazannyami іnshіy osobі, Contents tse lands about vіdstuplennya vimogi law. Vіdstuplennya right vimogi oformlyaєtsya pismovoyu lands s povіdomlennyam about tse borzhnika.

Translated Borg oformlyaєtsya pismovoyu lands mіzh Pervin borzhnikom i novim borzhnikom. Ukladennya lands about the translated Borg mozhlive tіlki komertsіynogo for Zgoda bank having seen yaky poziku Pervin borzhniku.