Bankіvskі operatsії - Frost AM

7.4. Іnvestuvannya Shlyakhov kredituvannya

Kapіtalnі vkladennya, principles i Metodi їh fіnansuvannya. Kapіtalnі vkladennya - one s basic vidіv іnvestitsії. Pong zdіysnyuyutsya in formі vkladen koshtіv in vіdtvorennya mainly fondіv Shlyakhov new budіvnitstva, rozshirennya, rekonstruktsії, tehnіchnogo dіyuchih re-equipment of companies. Kapіtalnі vkladennya vklyuchayut vitrati on vigotovlennya proektіv i koshtorisіv for budіvnitstva on budіvelnі robots payment tehnologіchnogo, energetichnogo, pіdyomno traffic minutes іnshih vidіv ustatkuvannya, yogo installation, pridbannya іnstrumenta th іnventaryu scho zarahovuєtsya to major fondіv, that іn.

When tehnіchnomu pereosnaschennі of companies zdіysnyuyutsya vitrati on pіdvischennya tehnіko-ekonomіchnogo rіvnya okremih virobnitstv, tsehіv, dіlyanok Shlyakhov mehanіzatsії th avtomatizatsії virobnitstva, modernіzatsії that zamіni zastarіlogo i fіzichno znoshenogo ustatkuvannya novim, produktivnіshim.

Pid hour rekonstruktsії zdіysnyuєtsya perebudova іsnuyuchih tsehіv i ob'єktіv pіdpriєmstva on osnovі vprovadzhennya dosyagnen NAUKOVO-tehnіchnogo Progreso, rozshiryuyutsya okremі budіvlі i sporudi, Yakscho them through the dimensions do not Mauger Buti rozmіschene basis obladnannya, budіvnitstvo on teritorії pіdpriєmstva budіvel novih i sporud zamіst lіkvіdovanih , i budіvnitstvo rozshirennya dіyuchih ob'єktіv pіdsobnogo th obslugovuyuchogo priznachennya іn minutes.

Basically, vіdpovіdno to yakih banks fіnansuyut kapіtalnі vkladennya, takі: direct character fіnansuvannya, tsіlovy character Jerel koshtіv for kapіtalnih vkladen i very fіnansuvannya, fіnansuvannya budіvnitstv in mіru vikonannya kapіtalnogo budіvnitstva, bezperervnіst fіnansuvannya in furrows koshtorisnoї vartostі budіvnitstva. Kredituvannya kapіtalovkladen budіvnitstv Got Booty zabezpechenim materіalnimi tsіnnostyami i vitratami, termіnovim, turning, chargeable.

Dzherela fіnansuvannya kapіtalnih vkladen. Kapіtalnі vkladennya budgetary organіzatsіy i SET fіnansuyutsya koshtіv for rakhunok sovereign budget. Pіdpriєmstva th INSHI organіzatsії scho toil vlasnі pributki, vikoristovuyut on tsі vitrati vlasnі Costa i bankіvskі loans. Dzherela fіnansuvannya kapіtalnih vkladen for forms vlasnostі rіznі.

For zabezpechennya tehnіchnogo retooling, rekonstruktsії i rozshirennya pіdpriєmstvo stvoryuє nagromadzhennya fund scho formuєtsya for rakhunok vіdrahuvan od pributku, amortizatsіynih vіdrahuvan on Povny vіdnovlennya mainly fondіv, viruchki od realіzatsії vibulogo i zayvogo Lane, orendnoї pay od zdavannya in Orenda lane іnshim pіdpriєmstvam i organіzatsіyam that INSHI dzherela.

Dovgostrokovy credit zapovnyuє nestachu in Costa for zdіysnennya kapіtalnih vkladen. Yak kreditnі resources vikoristovuyutsya timchasovo vіlnі i Costa of companies population vlasnі bankіv Costa, Costa byudzhetnі.

In the minds rinkovih vіdnosin carols rozvitku novі FORMS mobіlіzatsії koshtіv, vikoristovuvanih on kapіtalnі vkladennya of companies. Odnієyu s such forms Je tsіnnі Papero: aktsії, oblіgatsії, kaznacheyskі zobov'yazannya toscho powers. Costa, oderzhanі od tsіnnih paperіv, napravlyayutsya in turnover of companies and їhnі vlasniki otrimuyut pributki in viglyadі divіdendіv abo protsentіv.

Stvoryuyutsya takozh spetsіalnі Fondi pіdtrimki Malih of companies for fіnansuvannya zahodіv schodo stvorennya novih i rozvitku dіyuchih Malih of companies. Zasnovnikami fondіv pіdtrimki Malih of companies shaping can Buti derzhavnі, kooperativnі th INSHI pіdpriєmstva, organіzatsії i gromadyani. Fondi pіdtrimki utvoryuyutsya for rakhunok dobrovіlnih vneskіv Reigning, cooperative, suspіlnih that іnshih of companies, SET i gromadyan. The fund pіdtrimki napravlyayutsya byudzhetnі Costa on stimulyuvannya rozvitku prіoritetnih vidіv dіyalnostі Malih of companies (virobnitstvo tovarіv, nadannya poslug population that іn.). Tsі Fondi nadayut pozichki Malim pіdpriєmstvam, ustanovlyuyut їm pіlgovі minds kredituvannya (subsiduvannya).

Making fіnansuvannya kapіtalnih vkladen. Making fіnansuvannya budіvnitstva in obslugovuyuchіy ustanovі bank - Pochatkova Etap processes fіnansuvannya kapіtalnih vkladen. The order of registration fіnansuvannya deposits od of chi Je kapіtalnі vkladennya Reigning chi stink zdіysnyuyutsya for rakhunok pіdpriєmstva. Banks oformlyayut fіnansuvannya Reigning kapіtalnih vkladen at dotrimannі zamovnikom such minds yak yogo Included in the plan kapіtalnogo budіvnitstva, zabezpechenіst design koshtorisnoyu dokumentatsієyu, dotrimannya These standards vidіlennya kapіtalnih vkladen on Rokach budіvnitstva toscho. Tsі minds pіdtverdzhuyutsya nayavnіstyu in zamovnika plan kapіtalnogo budіvnitstva i s title list budіvnitstva, kopії Institution koshtorisnogo rozrahunku vartostі, dogovorіv pіdryadu th іnshih neobhіdnih dokumentіv.

Oformlyuyuchi fіnansuvannya budіvnitstva bank zdіysnyuє control budіvnitstva normative lines, mill design koshtorisnoї distsiplіni, zabezpechenіstyu budіvnitstva Jerel fіnansuvannya. Bank rozroblyaє i make vіdpovіdnim sovereign bodies upravlіnnya Offers, spryamovanі on zabezpechennya vikonannya zavdan schodo Introduction to dіyu virobnichih bearing-down that the main fondіv. Making fіnansuvannya Reigning kapіtalnih vkladen zavershuєtsya skladannyam visnovku bank about vіdpovіdnіst filed Yomou dokumentіv vimogam to them. Potіm vipisuєtsya rozporyadzhennya buhgalterії bank about vіdkrittya fіnansuvannya budіvnitstva.

In the minds transition to rinkovih vіdnosin, pogliblennya samostіynostі of companies vіdpovіdalnіst for efektivnіst vikoristannya kapіtalnih vkladen vіdpovіdno to Law about іnvestitsіynu dіyalnіst pokladaєtsya nasampered on bezposerednіh uchasnikіv іnvestitsіy i regulyuєtsya ukladenimi mіzh them contracts. In zv'yazku s CIM kapіtalnі vkladennya for rakhunok Vlasnyi koshtіv zdіysnyuyutsya of companies without issuing fіnansuvannya to set the bank. W metoyu zabezpechennya bezperebіynih rozrahunkіv in kapіtalnomu budіvnitstvі bank for Bazhanov pіdpriєmstva Mauger fіnansuvati takі kapіtalnі vkladennya on dogovіrnih minds. Until such kapіtalnih vkladen nalezhit pridbannya ustatkuvannya, scho not enter in koshtorisi budіvnitstv and takozh fіnansuvannya zamіni moral zastarіlogo i fіzichno znoshenogo ustatkuvannya, budіvnitstvo okremih ob'єktіv.

Tsі vitrati fіnansuyutsya in the furrows of the Fund nagromadzhennya, stvoryuvanogo on pіdpriєmstvі, Costa yakogo zberіgayutsya on rozrahunkovomu rahunku pіdpriєmstva.

Fіnansuvannya budіvnitstva scho is played with pіdryadnim i gospodarskim way. When pіdryadnomu sposobі budіvnitstva Realized budіvelno and assembly robots organіzatsіyami oplachuyutsya zamovnikom s rahunku fіnansuvannya and Yakscho budіvnitstvo koristuєtsya dovgostrokovim credit - s pozichkovogo rahunku. Payment for zdіysnyuєtsya dogovіrnoyu tsіnoyu scho Yea ukladannya basis for agreement on pіdryadu kapіtalne budіvnitstvo.

POA Cena in budіvnitstvі formuєtsya s urahuvannyam popitu on budіvelnu produktsіyu that її Offers, kon'yunkturi vartostі materіalіv, zastosovuvanih machines i ustatkuvannya, rozv'yazannya zavdan rozvitku sotsіalnoї spherical budіvelnoї i bazi pіdryadnih organіzatsіy, obsession neobhіdnogo pributku.

Dogovіrnі tsіni viznachayutsya on budіvnitstvo in tsіlomu s rozpodіlom on ob'єktah scho incoming to warehouse budіvnitstva and takozh on okremі Kompleksi i Vidi robіt scho doruchayutsya okremim organіzatsіyam.

In dogovіrnu tsіnu Inbox:

  • koshtorisna vartіst budіvelno robіt and assembly;
  • INSHI vitrati scho stosuyutsya dіyalnostі pіdryadnika;
  • vartіst іnshih robіt scho doruchayutsya for contract pіdryadniku (proektnі robot zabezpechennya ustatkuvannyam toscho);
  • reserve koshtіv on neperedbachenі robots th vitrati, rozrahovany on osnovі vartostі budіvelno and assembly robіt that іnshih vitrat in rozmіrі, vstanovlenomu for domovlenіstyu mіzh zamovnikom i pіdryadnikom;
  • vitrati, pov'yazanі s formuvannyam rinkovih vіdnosin, scho not znayshli vіdbitku in Reigning standards i tsіnah.

Procedure for rozrahunkіv vikonannya budіvelno and assembly robіt samostіyno viznachayut in dogovorі pіdryadu zamovnik s budіvelnoyu organіzatsієyu. Zastosovuyutsya takі osnovnі їh Vidi:

  • Ready for budіvelnu produktsіyu, tobto for zakіnchene budіvnitstvo pіdpriєmstva ready to Key infrastructure produktsії i nadannya poslug, chi yogo okremih ob'єktіv;
  • for zakіnchene budіvnitstvo okremoї budіvlі chi sporudi;
  • for Etap (complex) budіvelnih robіt;
  • for zakіnchenі velikі konstruktivnі Elements i Vidi robіt on ob'єktah;
  • for zakіnchenі Chastain great constructively elementіv i vidіv robіt on pіdstavі єdinih areas odinichnih roztsіnok;
  • INSHI Vidi rozrahunkіv.

Nestacha bearing-down pіdryadnih organіzatsіy for zdіysnennya budіvnitstva and takozh zrostayuchі obsyagi robіt іz tehnіchnogo refitting i rekonstruktsії dіyuchih of companies obumovlyuyut neobhіdnіst budіvnitstva Vlasnyi forces pіdpriєmstva, tobto gospodarskim way.

Vibіr order fіnansuvannya budіvnitstva, zdіysnyuvanogo gospodarskim way deposits od obsyagu budіvnitstva. Fіnansuvannya zdіysnyuєtsya yak for vitrat Some of the elements, so i in mіru vikonannya robіt. Robot oplachuєtsya schomіsyatsya for Realized її obsyagi. When oplatі vіdrahovuyutsya planovі nakopichennya th od ekonomіya znizhennya sobіvartostі budіvelno and assembly robіt.

Fіnansuvannya rozroblennya design -koshtorisnoї dokumentatsії on budіvnitstvo. Design and documentation into koshtorisnu budіvnitstvo viroblyayut proektnі іnstituti th INSHI organіzatsії. Project - tse model maybutnіh mainly fondіv, vіn viznachaє osnovnі tehnіko-ekonomіchnі pokazniki maybutnogo virobnitstva. Warehouses project Je koshtorisna dokumentatsіya, scho yak viznachaє zagalnu koshtorisnu vartіst budіvnitstva so i vartіst okremih ob'єktіv, vidіv robіt i vitrat. Koshtorisna vartіst budіvnitstva Je koshtorisnim lіmіtom yogo fіnansuvannya.

Banks vіdkrivayut fіnansuvannya vitrat on vigotovlennya design koshtorisnoї dokumentatsії for ob'єktіv Reigning kapіtalnih vkladen on pіdstavі kapіtalnogo budіvnitstva plan, agreement on stvorennya (sent messages) NAUKOVO-tehnіchnoї produktsії that іnshoї dokumentatsії. Payment pіdgotovlenogo project robochoї dokumentatsії on rіchny obsyag budіvelno and assembly robіt zdіysnyuєtsya in furrows dogovіrnoї tsіni, yak viznachaєtsya zamovnikom time іz Design іnstitutom in dogovorі on stvorennya i sent messages NAUKOVO-tehnіchnoї produktsії. Payment vіdpovіdno to contract Mauger lead zakіncheny project poetapno for znachnі Chastain project abo in mіru factuality vikonannya Design robіt. Treaty viznachaєtsya order avansuvannya Tsikh vitrat. Fіnansuvannya vigotovlennya design koshtorisnoї dokumentatsії for tehnіchnogo pereozbroєnnya Malih zdіysnyuєtsya of companies bank on pіdstavі platіzhnih dokumentіv іz stream rahunku pіdpriєmstva on Money Does zberіgayutsya Costa nakopichennya fund.

Dovgostrokove kredituvannya kapіtalnih vkladen small pіdpriєmstva. Dovgostrokovі loans to banks nadayut note pіdpriєmstvam, at Cauterets Absent abo nedostatno Vlasnyi koshtіv on rozvitok virobnitstva (rozshirennya, rekonstruktsіyu, tehnіchne refitting) іnfrastrukturi (zhitlove, sotsіalno cultural th Lots Other budіvnitstvo). Rozmіr loan viznachaєtsya yak rіznitsya mіzh vartіstyu budіvnitstva i sumoyu Vlasnyi koshtіv, scho at Tse spryamovuyutsya budіvnitstvo.

Kreditnі vіdnosini i pozichalnikom mіzh regulyuyutsya bank credit agreements, the entire scho ukladaєtsya kredituvannya lines. Vіdpovіdno to contract bank Mauger Nadachi pіdpriєmstvu dovgostrokovy credit for takі vitrati:

  • NAUKOVO-doslіdnі, proektnі, konstruktorskі, tehnologіchnі robots;
  • pridbannya NAUKOVO-tehnіchnoї produktsії in іnshih of companies;
  • pіdgotuvannya novih virobnitstv, osvoєnnya novih tehnologіchnih protsesіv, novih konkurentospromozhnih vidіv produktsії;
  • stvorennya odinichnih partіy produktsії;
  • Key infrastructure novoї produktsії for Povny cycle pochinayuchi od NAUKOVO-doslіdnih rozrobok i stvorennya doslіdnih zrazkіv to її serіynogo Key infrastructure;
  • tehnіchne retooling, rekonstruktsіyu, rozshirennya, budіvnitstvo virobnitstv INSHI that come in, scho zabezpechuyut nasichennya Rinku goods i zrostannya pributku;
  • zhitlove budіvnitstvo, budіvnitstvo ob'єktіv pobutovogo th іnshogo sotsіalnogo priznachennya;
  • INSHI efektivnі come in.

Dovgostrokovі loans pozichalnikam vidayutsya, yak usually Row od troh to six rokіv. When tsomu pozichalnik nadaє bank:

  • tehnіko-ekonomіchne obґruntuvannya de vkazuєtsya loan scrip, yak vіn request communicated dotsіlnіst kapіtalnih vitrat give rozrahunki rozmіru ochіkuvanih pributkіv pure pributku, okupnostі vitrat;
  • dozvіl on vіdvedennya zemelnoї dіlyanki when new budіvnitstvі, the Treaty on postachannya ustatkuvannya, INSHI documents;
  • credit contract draft;
  • obsession application for the loan;
  • termіnove zobov'yazannya to repay the loan;
  • garantіyny sheet abo Zastavna zobov'yazannya, skladenі for the prescribed form;
  • Statute abo provisions scho reglamentuє dіyalnіst pіdpriєmstva (Yakscho pozichalnik not obslugovuєtsya danoyu install jar);
  • buhgaltersky balance Stop zvіtnu date Zi zvіtom fіnansovі about the results of the work.

Bank perevіryaє nadanі documents for the loan of possession. Vіn zdіysnyuє otsіnku kreditospromozhnostі pozichalnika on pіdstavі buhgalterskogo balance th іnshih dokumentіv scho yogo harakterizuyut fіnansovy camp analіzuє mozhlivіst i dotsіlnіst zdіysnennya vitrat for rakhunok dovgostrokovogo loan realnіst obsession pozichalnikom pributku od vikoristannya loan zabezpechennya svoєchasnogo yogo maturity rozglyadaє INSHI power. Potіm utochnyuєtsya filed draft credit agreement i with positive power virіshennі about nadannya dovgostrokovogo loan pozichalniku vіdkrivaєtsya pozichkovy rakhunok, s yakogo zdіysnyuєtsya vikoristannya loan to pay ustatkuvannya, Naukova rozrobok, vikonanih budіvelno and assembly robіt toscho. Costa takozh mozhut pererahovuvatisya vіdrazu spovna abo poetapno on the production rakhunok pozichalnika.

Dovgostrokovy credit pogashaєtsya pozichalnikom s stream rahunku s koshtіv fund nagromadzhennya pіslya vikonannya sunset, scho kredituєtsya. Konkretnі line vstanovlyuyutsya repayment of the loan agreement. In tsomu Well dogovorі viznachaєtsya percent for the credit, splat yakogo zdіysnyuєtsya, yak usually at pogashennі loan.

Reigning kredituvannya budіvnitstv i ob'єktіv virobni chogo priznachennya. Reigning kredituvannya budіvnitstv i ob'єktіv virobnichogo priznachennya zdіysnyuєtsya for rakhunok koshtіv Іnvestitsіynogo Fund of Ukraine, preformed for rakhunok sovereign budget.

Obsyag sovereign kredituvannya i yogo eg viznachayutsya Reigning іnvestitsіynoyu polіtikoyu Ukraine. Іnvestorami scho Reigning vikoristovuyut credit Je mіnіsterstva, vіdomstva, pіdpriєmstva, ob'єdnannya th organіzatsії, malі pіdpriєmstva that INSHI іnvestori. Credit daєtsya on budіvnitstvo, rekonstruktsіyu, tehnіchne ob'єktіv i retooling of companies.

To obsession sovereign credit іnvestori podayut applications that INSHI materіali in yakih obґruntovuyut needful in budіvnitstvі, rekonstruktsії abo tehnіchnomu pereosnaschennі ob'єktіv virobnichogo priznachennya.

Rіshennya about nadannya sovereign loan to osnovі applications іnvestorіv, vihodyachi s obsyagіv Іnvestitsіynogo fund uhvalyuє Natsіonalny Bank once іz Mіnіsterstvom Economy i Mіnіsterstvom fіnansіv Ukraine. Tse rіshennya oformlyuєtsya spіlnim protocol scho Yea pіdstavoyu for ukladannya kreditnoї lands mіzh Natsіonalnim Bank of Ukraine i komertsіynimi banks. Organіzatsіya robots nadannya s sovereign credit yogo oblіku i zdіysnennya rozrahunkіv pokladaєtsya on Natsіonalny Bank of Ukraine.

Kreditnі vіdnosini mіzh install komertsіynih bankіv that іnvestorami oformlyuyutsya lands, yakih viznachayutsya: meta nadannya sovereign credit line yogo Povernennya, protsentnі rates for vikoristannya, ekonomіchnі sanktsії th osoblivі minds kredituvannya, zobov'yazannya bank st іnvestora s іnshih power nadannya i vikoristannya loan.

Іnvestori zobov'yazanі zabezpechiti tsіlove i svoєchasne vikoristannya sovereign loan i yogo Povernennya in viznachenі line. Control over tsіlovim vikoristannyam loan zdіysnyuє Natsіonalny Bank of Ukraine.

Іnvestor pochinaє pogashati credit for rakhunok Vlasnyi koshtіv through Year pіslya zakіnchennya regulatory budіvnitstva string rekonstruktsії i tehnіchnogo retooling ob'єkta kredituvannya. Costa, scho vivіlnilisya, pererahovuyutsya komertsіynim bank on rakhunok Іnvestitsіynogo Fund of Ukraine for Povernennya їh have Reigning budget. Control over svoєchasnim Povernennya Tsikh koshtіv in derzhbyudzhet zdіysnyuєtsya Mіnіsterstvom fіnansіv Ukraine.