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Bankіvskі operatsії - Frost AM

9.4. Poserednitskі, konsultatsіynі that іnformatsіynі Hotel

Sered netraditsіynih bankіvskih poslug dedalі vazhlivіshu role vіdіgrayut poserednitskі Hotel. On praktitsі nadannya such poslug oformlyaєtsya EYAD views tsivіlno legal dogovorіv: doruchennya contract is the contract komіsії. For svoєyu Sutta tsі Treaty Je poslug agreements on sales. Zakonodavets pid sale poslug rozumіє whether SSMSC operatsії tsivіlno legal nature s nadannya poslug, nadannya rights koristuvannya abo rozporyadzhennya goods have to chislі nematerіalnimi assets and takozh s nadannya whether yakih іnshih, nіzh goods, ob'єktіv vlasnostі for kompensatsіyu, and takozh s operatsії bezoplatnoy nadannya poslug.

For doruchennya contract, one party (povіreny) zobov'yazuєtsya vikonati od іmenі for rakhunok i Druha side (dovіritelya) pevnі yuridichnі dії - pіdpisannya dokumentіv, ukladennya land. Ale, vikonuyuchi yuridichnі dії, povіrena person vikonuє i faktichnі dії - Poshuk kontragentіv induced dovіdok, looking around toscho lane. Povіreny Je predstavnikom Svoge dovіritelya before tretіmi individuals. Price not specified dovіritelya on vchinennya povіrenim specific Yurydychna Act reasonably mіstyatsya in dogovorі abo yogo in vidanіy on pіdstavі dovіrenostі. Povіreny zobov'yazany termіnovo send out to the dovіritelevі all otrimane in zv'yazku s vikonannyam doruchennya (tsіnnі Papero, Main, groshovі Costa, documents). Dovіritel, oskіlki povіreny dіє for yogo rakhunok, guilty zabezpechiti povіrenogo Costa, neobhіdnimi for vikonannya doruchennya and takozh vіdshkoduvati Yomou faktichnі vitrati at vikonannі doruchennya him.

For komіsії contract, one party (komіsіoner) zobov'yazuєtsya for doruchennyam Druha side (komіtenta) for vinagorodu uklasti one abo kіlka lands od Svoge іmenі for rakhunok komіtenta. For CIM contract ukladayutsya please do not bezposeredno special, zaіnteresovanoyu in їh kіntsevomu rezultatі, and for її doruchennyam i її for rakhunok іnshoyu individuals. Over land, SSMSC ukladaє komіsіoner s tretіmi special, right nabuvaє i staє zobov'yazanim not komіtent and komіsіoner, more vіn ukladaє lands for rakhunok i hoch komіtenta, ale od Svoge іmenі.

Povіrenim i dovіritelem and takozh i komіsіonerom komіtentom shaping can Buti gromadyani that yuridichnі individuals zokrema banks.

Dogovіr doruchennya Got bagato spіlnogo s contract komіsії. Shozhіst polyagaє in fact, they scho Yea thirds of person, and takozh in fact, scho Tsikh dogovorіv pіdstavі on one side (povіreny chi komіsіoner) ukladaє land in іnteresah Druha side (dovіritelya chi komіtenta).

Ale mіzh them іsnuyut іstotnі vіdmіnnostі:

1. During the contract komіsії komіsіoner ukladaє lands od Svoge іmenі and for contract doruchennya povіreny dіє od іmenі dovіritelya. At right is the komіsіonera vinikayut obov'yazki tretoї schodo individuals and povіreny zhodnih rights that obov'yazkіv for ukladenimi agreements not nabuvaє.

2. Dogovіr doruchennya Mauger Buti i bezoplatnoy against compensation. Dogovіr komіsії Yea against compensation, and to acquaint themselves platnostі nastіlki characteristic, scho right to vinagorodu vinikaє in komіtenta Square od of chi Bulo vono spetsіalno peredbachene contract.

Komertsіynі banks nadayut rіznomanіtnі Vidi poserednitskih poslug. Nayposhirenіshimi Sered them Je poserednitstvo in oderzhannі klієntom loan in operatsіyah s Main, Paper the zokrema tsіnnimi, currency. Purshia view poserednitskih poslug nadaєtsya todі bank, if he vіn s tієї chi іnshoї reason is not Mauger zadovolniti klієnta loan application. In tsomu razі obslugovuyuchy Bank Mauger Buti poserednikom in Poshuk klієntovі іnshogo creditor banks on abo yogo Prohanov mіzhbankіvsky gain the credit for rakhunok i yogo Nadachi credit klієntu. Yakscho klієntovі potrіben great credit, the bank Mauger vdatisya to konsortsіumnogo abo concurrent kredituvannya klієnta.

Pomіtno zbіlshilosya nadannya poserednitskih poslug in operatsіyah s tsіnnimi Papero. When Pervin rozmіschennі tsіnnih paperіv komertsіynі banks mozhut for doruchennyam, i od іmenі for rakhunok emіtenta vikonuvati obov'yazki schodo organіzatsії peredplati on tsіnnі Paper the abo їh realіzatsії іnshim way. When tsomu mozhlivі two varіanti. In Persha komertsіyny Bank nadaє Hotel s Pervin rozmіschennya tsіnnih paperіv without redemption rights zobov'yazan schodo nerozmіschenoї Chastain emіsії. HEAD obov'yazok bank in tsomu vipadku - doklasti Maximum zusil for rozmіschennya tsіnnih paperіv against fіnansovoї vіdpovіdalnostі kіntsevy result of the bank does not Nese.

Other varіant peredbachaє scho komertsіyny Bank zobov'yazuєtsya in razі nepovnogo rozmіschennya tsіnnih paperіv vikupiti in emіtenta їh nerealіzovanu Chastain, tobto bere on itself riziki rozmіschennya tsіnnih paperіv.

Komertsіynі banks mozhut zaymatisya i brokerskoyu dіyalnіstyu, tobto zdіysnyuvati tsivіlno-pravovі lands schodo tsіnnih paperіv, SSMSC peredbachayut payment tsіnnih paperіv proti їh supply new vlasniku on pіdstavі dogovorіv doruchennya chi komіsії for rakhunok svoїh klієntіv.

Poserednitstvo komertsіynih bankіv in foreign currency operatsіyah peredbachaє, zokrema, purchase-sales іnozemnoї currency abo platіzhnih dokumentіv in nіy, konversіyu odnієї іnozemnoї currency in іnshu, konversіyu protyagom viznachenogo line natsіonalnoї currency in іnozemnu, i navpaki; perekazuvannya for doruchennyam gromadyan іnozemnoї currency across the border that viplatu gromadyanam otrimanih on їh іm'ya h of cordon perekazіv; іnkasuvannya іnozemnoї currency that platіzhnih dokumentіv in nіy toscho.

Komertsіynі banks nadayut svoїm klієntam konsultatsіynі Hotel. Pong konsultuyut klієntіv s power buhgalterskogo oblіku, zvіtnostі, opodatkuvannya, analіzu fіnansovo-gospodarskoї dіyalnostі, zovnіshnoekonomіchnoї dіyalnostі that іnshih vidіv ekonomіko legal zabezpechennya pіdpriєmnitskoї dіyalnostі fіzichnih that Yurydychna osіb. Quantity digit vidіv konsultatsіynih poslug, yak nadayut komertsіynі banks stanovlyat Hotel, pov'yazanі s vikonannyam them actively i Passive operatsіy that nadannyam іnshih Services: zaluchennyam resursіv, kredituvannyam, fіnansuvannyam kapіtalnih vkladen, rozrahunkovo-kasovim obslugovuvannyam, zovnіshnoekonomіchnoyu dіyalnіstyu, operatsіyami s tsіnnimi Paper the toscho.

Konsultatsіynі Hotel mozhut nadavatis abo UPDF pismovo and fee їh nadannya in deyakih vipadkah vklyuchaєtsya in charge for the main type of operatsії (Hotel), yaky suprovodzhuєtsya konsultuvannyam.

Nadannyam konsultatsіynih poslug mozhut zaymatisya yak pіdrozdіlіv bank manager, so i pratsіvniki spetsіalno stvorenih pіdrozdіlіv. In okremih vipadkah consultants mozhut Buti storonnі spetsіalіsti that organіzatsії, SSMSC zaluchayutsya banks to nadannya konsultatsіy svoїm klієntam. Konsultativnі Hotel peredbachayut nayavnіst in pratsіvnikіv scho їh nadayut, Pevnyi knowledge of the Branch Economy, bankіvskoї right, іnshih vidіv ekonomіko legal zabezpechennya pіdpriєmnitskoї dіyalnostі and takozh dosvіdu praktichnoї robots have vіdpovіdnih Galuzo knowledge.

Іnformatsіynі Hotel. Banks zavdyaki svoїm mіstsyu i rolі in ekonomіtsі, nayavnostі Suchasnyj zasobіv telekomunіkatsіy i Electro-obchislyuvalnoї tehnіki zavzhdi toil digit Quantity rіznomanіtnoї Informácie, tobto dokumentovanih abo publіchno announced vіdomostey about podії that yavischa scho vіdbuvayutsya in suspіlstvі, derzhavі, ekonomіtsі. Tse daє zmogu komertsіynim banks nadavati іnformatsіynі Hotel, tobto zaymatisya dіyalnіstyu, pov'yazanoyu s bringing іnformatsіynoї produktsії to spozhivachіv s metoyu zadovolennya їhnіh іnformatsіynih required.

The main types of іnformatsіynoї dіyalnostі Je:

1. Informácie obsession, tobto nabuttya, pridbannya, nakopichennya vіdpovіdno to sedate zakonodavstva dokumentovanoї abo publіchno ogoloshuvanoї Informácie gromadyanami, Yurydychna personages abo powers.

2. Informácie Vikoristannya - tse zadovolennya іnformatsіynih potreb Yurydychna that fіzichnih osіb.

3. Informácie Poshirennya - tse rozpovsyudzhennya, oprilyudnennya, realіzatsіya in order vstanovlenomu law Informácie.

4. Informácie Zberіgannya - tse zabezpechennya nalezhnogo will Informácie that її materіalnih nosіїv.

Іnformatsіynі Hotel that іnformatsіyna Produkciya, tobto materіalіzovany result іnformatsіynoї dіyalnostі, shaping can Buti ob'єktom trademark vіdnosin. Tsіni i tsіnoutvorennya on іnformatsіynu produktsіyu that іnformatsіynі Hotel vstanovlyuyutsya treaties.

During the regime of access to іnformatsіya podіlyaєtsya:

• vіdkritu іnformatsіyu access to yakoї zabezpechuєtsya through publіkatsіyu її in ofіtsіynih drukovanih Vidanov, poshirennya zasobami masovoї komunіkatsії, bezposerednє nadannya zaіnteresovanim klієntam;
• іnformatsіyu s obmezhenim access Cauterets in his Cherga for svoїm legal regime on podіlyaєtsya konfіdentsіynu i taєmnu. Konfіdentsіyna іnformatsіya - tse vіdomostі, SSMSC perebuvayut in volodіnnі, koristuvannі abo rozporyadzhennі okremih fіzichnih abo Yurydychna osіb i poshiryuyutsya for їh Bazhanov vіdpovіdno peredbachenih to drain them. Volodіnnya іnformatsієyu dіlovogo, komertsіynogo, bankіvskogo that іnshogo nature, obsession on vlasnі Costa yuridichnoї abo fіzichnoї individuals abo with such a, yak Yea subject їh bankіvskogo, komertsіynogo, dіlovogo that іnshogo іnteresu i do not porushuє peredbachenoї law taєmnitsі, daє zmogu yuridichnіy abo fіzichnіy osobі samostіyno viznachati mode access to Informácie, vklyuchayuchi nalezhnіst її konfіdentsіynoї to the category. Vinyatok becoming іnformatsіya komertsіynogo bankіvskogo that nature, the legal regime yakoї vstanovleny chinnim zakonodavstvom. So, the Law of Ukraine "On banks i bankіvsku dіyalnіst" peredbachaє scho іnformatsіya schodo dіyalnostі that fіnansovogo will klієnta, yak became vіdomoyu bank in protsesі obslugovuvannya klієnta that vzaєmovіdnosin s him chi tretіm ladies at nadannі poslug bank i rozgoloshennya yakoї Mauger zavdati materіalnoї chi moralnoї Skoda klієntu, Je bankіvskoyu taєmnitseyu. Perelіk Informácie scho pіdlyagaє obov'yazkovomu opublіkuvannyu, ustanovlyuєtsya Natsіonalnim Bank of Ukraine is the dodatkovo by the bank on yogo rozsud.

Іnformatsіya schodo Yurydychna that fіzichnih osіb, yak mіstit bankіvsku taєmnitsyu, rozkrivaєtsya banks:

• on pismovy RFQ abo s pismovogo allowed vlasnika takoї Informácie;
• on pismovu vimogu court abo for rіshennyam court;
• prosecution bodies of Ukraine, Ukraine Bezpeka Service, Mіnіsterstva vnutrіshnіh ref Ukraine - to їh pismovu vimogu stosovno operatsіy for rahunkami konkretnoї yuridichnoї individuals abo fіzichnoї individuals - sub'єkta pіdpriєmnitskoї dіyalnostі for specific promіzhok hour;
• bodies Derzhavnoї podatkovoї Service of Ukraine on їh pismovu vimogu s power opodatkuvannya abo exchange control stosovno operatsіy for rahunkami konkretnoї yuridichnoї individuals abo fіzichnoї individuals - sub'єkta pіdpriєmnitskoї dіyalnostі for specific promіzhok hour.

Before taєmnoї Informácie nalezhit іnformatsіya scho mіstit vіdomostі, SSMSC stanovlyat Reigning that іnshu, peredbachenu law taєmnitsyu.

Before nayposhirenіshih vidіv іnformatsіynih poslug scho nadayut komertsіynі banks can vіdnesti:

• іnformuvannya about chinne zakonodavstvo zarubіzhnih kraїn at the Branch bankіvskoї right, fіnansіv, currency regulyuvannya, opodatkuvannya toscho;
• nadannya kopіy penny-rozrahunkovih dokumentіv;
• Relief from rozshuku pererahovanih sum;
• nadannya information The Bank of Ukraine of acceptance Natsіonalnim that іnshimi authorities rіshen, SSMSC vplivayut on gospodarsku dіyalnіst klієnta;
• Bringing information The Kursi іnozemnih currencies kotiruvannya tsіnnih paperіv that їh dohіdnіst toscho;

spriyannya in pіdborі partnerіv (pokuptsіv abo postachalnikіv) zasnovnikіv, uchasnikіv obmіnnih operatsіy toscho.