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Credit rozrahunkovі operatsії - Mіlay SA

5.3. Keeping RAHUNKІV KLІЄNTІV

Keeping banks rahunkіv klієntіv Je neobhіdnoyu peredumovoyu that vazhlivoyu warehouses їh rozrahunkovo-kasovogo obslugovuvannya. All the processes of conducting rahunkіv umovno mozhna podіliti three stadії: vіdkrittya, obslugovuvannya, zakrittya rahunkіv.

5.3.1. Zagalnі minds vіdkrittya rahunkіv

For zberіgannya penny koshtіv i zdіysnennya vsіh vidіv operatsіy banks vіdkrivayut svoїm klієntam kіlka vidіv rahunkіv: potochnі, depozitnі (vkladnі) byudzhetnі. Pershi two Vidi rahunkіv mozhut vіdkrivatisya in natsіonalnіy that іnozemnіy valyutі and ostannіy - tіlki in natsіonalnіy.

Banks vіdkrivayut rahunki in natsіonalnіy valyutі for such groups klієntіv:

• Yurydychna i fіzichnih osіb - sub'єktіv pіdpriєmnitskoї dіyalnostі (Dali - pіdpriєmstva) - rezidentіv, zareєstrovanih in the prescribed manner;

• fіlіy, predstavnitstv, vіddіlen, іnshih vіdokremlenih pіdrozdіlіv of companies - rezidentіv, zareєstrovanih in the prescribed manner (Dali - pіdrozdіli of companies);

• predstavnitstv Yurydychna osіb - nerezidentіv, іnozemnih іnvestorіv;

• fіzichnih osіb (i rezidentіv nerezidentіv).

In vedennі rahunkіv Tsikh chotiroh group klієntіv Je yak spіlnі RISS, so i pevnі vіdmіnnostі.

Potochnі rahunki in natsіonalnіy valyutі banks vіdkrivayut pіdpriєmstvam usіh vidіv i forms vlasnostі, їh vіdokremlenim pіdrozdіlam, predstavnitstvam fіrm-nerezidentіv, fіzichnim specifically for priymannya i zberіgannya їhnіh Vlasnyi koshtіv i for zdіysnennya vsіh rozrahunkovo-kasovih operatsіy s them. Tsі rahunki naychastіshe vikoristovuyutsya in bankіvskіy praktitsі behind them zdіysnyuєtsya perevazhna Chastina mіzhgospodarskih platezhіv scho bankіvsku passing through the system.

Potochnі rahunki for zdіysnennya vsіh vidіv bankіvskih operatsіy vіdkrivayutsya to whether yakih banks of Ukraine for Vibor klієnta i Tsikh bankіv for Zgoda.

Klієnti bank mozhut vіdkrivati deprivation one for rakhunok formuvannya statutory fund gospodarskogo tovaristva (in іnozemnіy abo natsіonalnіy valyutі) i rakhunok one (in іnozemnіy abo natsіonalnіy valyutі) for the sake of cutaneous sumіsnoї (spіlnoї) dіyalnostі without stvorennya yuridichnoї individuals.

Yuridichnі individuals (non-residents) mozhut vіdkrivati ​​on teritorії Ukraine potochnі rahunki for іnvestuvannya in natsіonalnіy that іnozemnіy valyutі. Potochnі rahunki for zdіysnennya gospodarskoї dіyalnostі in Ukraїnі vіdkrivayutsya predstavnitstvam Yurydychna osіb (non-residents).

Fіzichnі individuals (non-residents) mozhut vіdkrivati ​​rahunki in natsіonalnіy that іnozemnіy valyutі on teritorії Ukraine for minds nadannya notarіalno zasvіdchenoї kopії legalіzovanogo allowed the central bank іnozemnoї Power, The Citizen yakoї Je fіzichna lady Yakscho Tse peredbacheno land, ukladenimi mіzh Natsіonalnim Bank of Ukraine is the central bank іnozemnih powers .

In razі vіdkrittya rahunkіv fіzichnim individuals (non-residents), SSMSC timchasovo pribuli in up Ukraine s metoyu navchannya, stazhuvannya, lіkuvannya, rehabilitation, have vіdryadzhennya abo have a private right, the contract mіzh bank i tsimi personages ukladayutsya viklyuchno on termіn їh perebuvannya in Ukraїnі. Pіslya zakіnchennya termіnu perebuvannya in Ukraїnі fіzichnoї individuals (non-resident) Bank zakrivaє rakhunok in order peredbachenomu minds contract.

In razі vіdkrittya stream abo deposit rahunka sub'єkta pіdpriєmnitskoї dіyalnostі to otrimannya Bank Notification about vzyattya rahunka on Obl_k podatkovih operatsії authority for CIM rahunkom zdіysnyuyutsya deprivation іz zarahuvannya koshtіv.

Datoyu cob operatsіy for vidatkami for rahunkom sub'єkta pіdpriєmnitskoї dіyalnostі in ustanovі bank Je date reєstratsії otrimannya Bank zaznachenogo Notification. Notification zberіgaєtsya in spravі s Yurydychna clearance.

Operatsії for vidatkami for rahunkom vіdokremlenogo pіdrozdіlu yuridichnoї individuals - sub'єkta pіdpriєmnitskoї dіyalnostі zdіysnyuyutsya pіslya otrimannya Bank Notification about vzyattya rahunka on Obl_k podatkovih body for mіstseznahodzhennyam pіdrozdіlu.

Happy vіdkrittya rahunka vvazhaєtsya date zaznachena on zayavі about vіdkrittya rahunka in rozdіlі "Vіdmіtki bank."

Mіstseznahodzhennyam vlasnika rahunka vvazhaєtsya address zaznachena in karttsі Zi zrazkami pіdpisіv i vіdbitkom seals, yak Got vіdpovіdati adresі, zaznachenіy in statutі that svіdotstvі pro Reigning reєstratsіyu.

In razі zmіni mіstseznahodzhennya vlasnik rahunka protyagom troh dnіv s Day for Change Making up about svіdotstva reєstratsіyu sub'єkta pіdpriєmnitskoї dіyalnostі zobov'yazany taxes to place the bank:

• nova kopіyu svіdotstva about reєstratsіyu s Contributions zmіnami, zasvіdchenu body yaky yogo species, abo notarіalno;

• Change log kopіyu Adding to ustanovchih dokumentіv, zasvіdchenu body scho zareєstruvav zmіni, abo notarіalno.

On pіdstavі nadanih dokumentіv making vіdpovіdnі zmіni in kartka іz zrazkami pіdpisіv i vіdbitkom seals abo nadaєtsya new kartka.

For nayavnostі in sub'єkta pіdpriєmnitskoї dіyalnostі vіdokremlenih pіdrozdіlіv scho toil rahunki in іnshih install bankіv, novі kopії svіdotstv dodatkovo nadayutsya install bankіv have yakih vіdkrito takі rahunki.

Documents on vіdkrittya vsіh bankіvskih rahunkіv of companies NKVD podayut to individual bank SSMSC toil right Persha that another pіdpisіv i povnovazhennya yakih perevіryayutsya upovnovazhenim pratsіvnikom bank. In razі zmіni individuals yak Got pіdpisu right, neo-priznachena lady Got NKVD taxes to bank kartka іz zrazkami pіdpisu that pred'yaviti passport. Yakscho osіb Sered, SSMSC toil right Persha another pіdpisu Chi, Je іnozemtsі abo individuals without gromadyanstva, SSMSC timchasovo perebuvayut on teritorії Ukraine, the zaznachenі individuals zobov'yazanі dodatkovo tribute document scho pіdtverdzhuyut zakonnіst їhnogo perebuvannya on teritorії Ukraine, while vipadkah, peredbachenih chinnim zakonodavstvom Ukraine - dozvіl on pratsevlashtuvannya, Yakscho not peredbacheno Lots Other laws that mіzhnarodnimi treaties of Ukraine. Kopії zaznachenih dokumentіv zalishayutsya in spravі s Yurydychna clearance.

Pіdstavoyu for vіdkrittya rahunkіv fіzichnim ladies Je:

a) for gromadyan Ukraine, SSMSC:

• postіyno prozhivayut in Ukraїnі - The Citizen of Ukraine passport for nepovnolіtnіh Yakimov not vipovnilosya 16 rokіv - svіdotstvo about narodzhennya;

• postіyno prozhivayut behind a cordon - The Citizen of Ukraine passport for viїzdu for cordon abo sluzhbovy diplomatic passport of Ukraine;

b) for іnozemnih gromadyan, SSMSC:

• postіyno prozhivayut in Ukraїnі - passport document s vіdmіtkoyu about nayavnіst postіyne allowed to stay;

• timchasovo perebuvayut in Ukraїnі - passport document (for gromadyan powers s yakimi way mіzhnarodnі Treaty on vzaєmnі bezvіzovі poїzdki), passport documents for nayavnostі vіdpovіdnoї vіzi, passport documents s vіdmіtkoyu about nayavnіst allowed to pratsevlashtuvannya abo vіdmіtkoyu about navchannya. Krіm of pasportnі document and gromadyan Tsikh toil Buti zareєstrovanі punktі in transit through Ukraine Reigning cordon (prostavlyaєtsya vіdmіtka "V'їzd") i in the organs vnutrіshnіh right (prostavlyaєtsya vіdpovіdny stamp in razі prodovzhennya termіnu perebuvannya in Ukraїnі) in the manner prescribed in the rules' їzdu іnozemtsіv in up Ukraine, їhnogo viїzdu h Ukraine is the transit through proїzdu її teritorіyu;

c) for osіb without gromadyanstva - posvіdchennya individuals without gromadyanstva;

g) for bіzhentsіv - posvіdchennya bіzhentsya.

Fіzichnі individuals SSMSC vіdkrivayut rahunki on svoє іm'ya on іm'ya nepovnolіtnіh osіb chi on іm'ya іnshoї fіzichnoї individuals for dovіrenіstyu, toil pred'yaviti upovnovazhenomu pratsіvniku bank passport chi document scho yogo zamіnyuє and takozh dovіdku podatkovih authority about prisvoєnnya іdentifіkatsіynogo rooms.

In razі vіdkrittya rahunka NKVD nepovnolіtnoyu special, yakіy not vipovnilosya rokіv 16, Won podaє svіdotstvo about narodzhennya that dovіdku Zi zrazkom Svoge pіdpisu, Vidanov The Teaching mortgage, de navchaєtsya, abo kartka Zi zrazkom pіdpisu, zasvіdchenu zakonodavstvom in the prescribed order. Krіm of rakhunok Mauger Buti vіdkrity in one prisutnostі s batkіv іz filed passport that svіdotstva about narodzhennya nepovnolіtnoї individuals.

Banks vіdkrivayut potochnі rahunki sub'єktam pіdpriєmnitskoї dіyalnostі protyagom ten calendar dnіv pіslya otrimannya Bank Povny dokumentіv package vіdkrittya rahunkіv.

Upovnovazheny pratsіvnik bank in prisutnostі osіb, SSMSC vіdkrivayut rahunki, robit kopії storіnok passport (scho mіstyat ostannє photo prіzvische that іm'ya, іnformatsіyu about that date vidachі body having seen scho passport, and for nayavnostі - іnformatsіyu about postіyne Location of residing The Citizen) abo document scho yogo zamіnyuє. In razі vіdkrittya rahunka іnozemnomu The Citizen dodatkovo roblyat kopії storіnok yogo s passport document vіdpovіdnimi vіdmіtkami scho yogo pіdtverdzhuyut zakonnіst perebuvannya on teritorії Ukraine. When vіdkrittі rahunka fіzichnіy osobі upovnovazheny pratsіvnik bank krіm kopії vіdpovіdnih storіnok passport abo document scho yogo zamіnyuє, robit kopіyu dovіdki about prisvoєnnya їy іdentifіkatsіynogo rooms. Tsі kopії zberіgayutsya in spravі s Yurydychna clearance.

In razі viyavlennya Bank pіdroblenih (nedostovіrnih) dokumentіv, nadanih for vіdkrittya rahunka, zobov'yazany Bank negayno povіdomiti about tse organic vnutrіshnіh ref іz zaznachennyam passport danih individuals yak podaє documents for vіdkrittya bankіvskogo rahunka.

When otrimannі dokumentіv on vіdkrittya chi reissuance bankіvskih rahunkіv banks zobov'yazanі perevіriti podanі documents for vіdpovіdnіst їh chinnomu zakonodavstvu, zokrema:

a) pіdpisi osіb on zayavі about vіdkrittya rahunka toil Buti rozshifrovanі s obov'yazkovim zaznachennyam prіzvischa th іnіtsіalіv that іdentifіkovanі s pіdpisami in karttsі Zi zrazkami pіdpisіv i vіdbitkom seals;

b) svіdotstvo pro Reigning reєstratsіyu sub'єktіv pіdpriєmnitskoї dіyalnostі;

c) posvіdchuvalnі napisi notarіusa on documents.