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Credit rozrahunkovі operatsії - Mіlay SA

Rozdіl 3. Rіznovidi Credit operatsіy

3.1. Klasifіkatsіya kreditіv

Fallow od tsіlovogo spryamuvannya loan Mauger Buti virobnichim i spozhivchim.

Virobnichі loans vikoristovuyutsya in sferі virobnitstva that realіzatsії sukupnogo suspіlnogo product.

Spozhivchy credit nadaєtsya fіzichnim ladies on spozhivchі tsіlі: pokraschennya zhitlovih minds stvorennya pіdsobnogo household Gospodarstwa, pridbannya tovarіv have credit on zadovolennya іnshih required.

In his Cherga virobnichі that spozhivchі loans podіlyayutsya for loans in precisely that іnvestitsіynu dіyalnіst.

Loans in the flow dіyalnіst nadayutsya pozichalnikam for zadovolennya timchasovoї require in Costa s metoyu pridbannya precisely aktivіv in razі rozrivu mіzh hour nadhodzhennya koshtіv i zdіysnennya vitrat.

Loans in the flow dіyalnіst vklyuchayut usі credit, nadanі to purchase sirovini that іnshih virobnichih zapasіv on sezonnі costs that on INSHI tsіlі.

Before kreditіv at precisely dіyalnіst nalezhat:

• rozrahunki of overdraft;

• Loans vnutrіshnіmi torgovelnimi operatsіyami;

• Loans eksportno-іmportnimi operatsіyami;

• INSHI loans in precisely dіyalnіst.

Loans in іnvestitsіynu dіyalnіst nadayutsya pozichalnikam for zadovolennya timchasovoї require in Costa at zdіysnennі them іnvestitsіynih vkladen. Before them nalezhat: Credits for budіvnitstvo that osvoєnnya zemlі; Credits for the purchase budіvel, sporud, obladnannya that zemlі; on pridbannya tsіnnih paperіv; fіnansovy lіzing toscho.

For termіnami koristuvannya loans podіlyayutsya:

• on korotkostrokovі, SSMSC nadayutsya termіnom to a rock;

• on dovgostrokovі, SSMSC nadayutsya termіnom Ponad one Year. Dovgostrokovі loans mozhut nadavatis on vіdnovlennya, rozshirennya that stvorennya mainly fondіv (main kapіtalu). Ob'єktami kredituvannya shaping can Buti kapіtalnі vitrati on rekonstruktsіyu, modernіzatsіyu that rozshirennya dіyuchih mainly fondіv on the basis budіvnitstvo on privatizatsіyu toscho.

For methods nadannya loans podіlyayutsya on takі scho nadayutsya:

• in a single order;

• vіdpovіdno to vіdkritoї vіdklichnoї abo bezvіdklichnoї kreditnoї lіnії.

Schodo termіnіv repay the loan podіlyayutsya on takі, SSMSC pogashayutsya:

• vodnochase;

• on viplat;

• dostrokovo (to the lender abo vimogu of Claim pozichalnika);

• pіslya zakіnchennya obumovlenogo perіodu (mіsyatsya, quarter toscho). Fallow od kіlkostі kreditorіv loans shaping can Buti:

• nadanі one bank;

• konsortsіumnі, tobto takі scho nadayutsya timchasovimi ob'єdnannyami bankіv (bankіvskimi konsortsіumami).

Fallow od vidіv zabezpechennya vikonannya zobov'yazan loans podіlyayutsya on takі Vidi:

• Loans, zabezpechenі outpost. At the outpost Mauger priymatisya Main (neruhomіst, transportnі zasobi, kosmіchnі ob'єkti, commodity oborotі abo pererobtsі, tsіnnі Paper the toscho) abo maynovі law. Zastavnikom Mauger vistupati yak himself pozichalnik, so i of the third person (Mainova guarantor);

• Loans, zabezpechenі bail tobto fіnansami tretoї individuals yak Nese to the bank, yak usually solіdarnu vіdpovіdalnіst time іz borzhnikom;

• Loans, zabezpechenі garantієyu, tobto fіnansami tretoї individuals yak Nese the bank subsidіarnu vіdpovіdalnіst time іz borzhnikom;

• Loans s іnshim zabezpechennyam (strahuvannya toscho), yak zastosovuєtsya yak dodatkovy Zahid zabezpechennya Povernennya kreditіv i Splat vіdsotkіv;

• nezabezpechenі (blankovі credits).

Fіzichnim ladies Bank nadaє:

• spozhivchі loans, SSMSC nadayutsya tіlki in natsіonalnіy valyutі on potochnі require for pridbannya tovarіv dovgostrokovogo spozhivannya the one to pay for poslug in іnvestitsіynu dіyalnіst - for kupіvlі that budіvnitstva neruhomostі zhitlovogo priznachennya that osvoєnnya zemlі;

• Loans for popovnennya platіzhnih kartok mіzhnarodnih platіzhnih systems scho nadayutsya yak at natsіonalnіy, so i in іnozemnih currencies.