home Finance Books Фінанси підприємств - Філімоненков О.С.

Фінанси підприємств - Філімоненков О.С.

6.7. The order of registration of a loan to a bank

Credit loans are paid to the bank and subordinated by the credit agreement, which is to be settled by the creditor and by the postal worker at the letter of the form, to the bank for the poses, to the poshchalnik.

Ale to ukladannya credit agreement pozichalnik, yaky bazhaє otrimati in a jar, scho yogo obslugovuє, credit z'yasovuє in tsomu banks (usnih negotiations vіdpovіdnimi pratsіvnikami s bank) mozhlivіst positive virіshennya tsogo supply. Otrimiv positively vidpііd, poschalnik zvertaєtsya in bank otіtsіyno z klopotannyam-zayavoyu, de vkazuє metu otrimannya credit, yogo sumu, strings vikoristan, pobabchene zabezpechennya, economical characteristics of calls, loans, and loans for repayment of loans.

At the same time with the cloak-messenger, the claimant is lodged with the bank as follows:

• technically-eco-financed lending to a call;

• копії контрактів (договоів) між продавцом і purchases;

• копії договорів оренди землі, приіщень, обладнання тощо;

• rozraunki ochikuvanyh income for zdіysnennya lending to call, for rakhunok some raschuvavatimsya majbutniy credit;

• accounting fіnansovі zvyіti (form № 1 "Balance of payments", form № 2 "Звіт about financial results", form № 3 "Звіт про рух грошових коштів", form № 4 "Звіт про власний капітал") за звітний рік і квартал ;

• Wikis for rahunkami poschalnika, vikriptimi in інших banks;

• visnovki auditor's'kie fіrm pro fіnansovy стан sta poschal'nika;

• contractors are forced, guarentee, guarantor, insurance (one copy of documents for a bank account for a bank);

• a business plan for a new call;

• rozraunki nadokhozhennia i vitrachanya grooshovikh kostyv;

• A rosraunok is the one who has won the pribudku.

In different consumer banks, you can save money from the post-mortem documents and documents, as well as in the form of economic security, yogo platosprodmozhnost, and zabezpechennia poverennya credit.

A poshchalnik, which is not a klієntom bank, is given to the dodatko soi dokumenti:

• the statute of enforcement, zarestrovaniy and udstanitsy in the established order;

• schevnovitsky dogovir;

• svіdotsvtu about реєстрацію;

• The information about the relocation to the region in the sub-authority;

• zavirenu u vstanovlennuyu order cards із zrazkami pіdpіів осіб, які мають the right to be rozporyadzhatisya koshtami na rahunku.

Oformlyayuchi obsession dovgostrokovogo loan on fіnansuvannya kapіtalnih vitrat, pozichalnik podaє documents in the bank, neobhіdnі for vіdkrittya kredituvannya kapіtalnih vkladen and takozh contract pobudovu, the Treaty on postachannya neobhіdnogo virobnichogo obladnannya, documents on vіdvedennya zemelnoї dіlyanki (zemlekoristuvannya) design tehnіchnu the documentation to come in , Yakі zdіysnyuvatimutsya, osnovny tehniko-ekonomichnye otkazniki to the project, biznes-plan, rorakhunok dokhidnosti o kupytnosti kapitalnyh vitrat, scho lentuyutsya, ta іn.

Pіslya obsession klopotannya-i stated neobhіdnih dokumentіv for nadannya loan vivchennya Tsikh dokumentіv Bank otsіnyuє ekonomіchne encampment that dіlovu reputatsіyu pozichalnika, yogo kreditospromozhnіst, mozhlivіst vidachі Yomou that svoєchasnіst loan repayment.

Sered otkaznikіv, on the basis of such banks, priymaє rіshennya about vidachu pozhal'niku credit, nayvazhlivіshim є lendingprodomoznіst, tobto nayavnіst of minds for vidiche credit and mozhnolostі svoechasnogo yogo otushennya.

Creditsopromozdnist positelnik otsіyyyutsya on kapitali kіlokh otkaznikiv, yak i characterize the availability of goods, yogo platospromoznist, lіkvіdnіst, zabezpechenіst vlasnimi dzherelami ta іn. Вибір показників для оцінки кредиспроможності почальника зажиться від форма власності, галузі економіки, особливості виробничо-фінансової діяльності тощо. Otsіnyuyuchi kreditospromozhnіst pozichalnika, Velika uwagi pridіlyayut rozrahunku that analіzu koefіtsієntіv, SSMSC harakterizuyut efektivnіst vkladen in virobnitstvo, lіkvіdnіst balance, zabezpechenіst Vlasnyi Jerel, platospromozhnіst.

Viznachayuchi kreditospromozhnіst klієnta bank analіzuє Minds (dіlove seredovische) in yakih pratsyuє pіdpriєmstvo-pozichalnik, tobto vivchaє Vidi yogo dіyalnostі, konkurentospromozhnіst produktsії, markets Agricultural Art zbutu, postachalnikіv, pokuptsіv toscho.

Pіslya rozrahunku that analіzu vіdpovіdnih pokaznikіv (koefіtsієntіv) vivchennya minds robots klієnta Bank zdіysnyuє (vivodit) zagalnu otsіnku fіnansovogo will pozichalnika Shlyakhov rozrahunku іntegralnogo pokaznika i on rіvnі collectives priymaє rіshennya about dotsіlnіst vidachі pіdpriєmstvu loan. In the case of positive virishennya bank ukladaє z poschalnikom credit to dogovir.

A credit contract is a document, a document to be deposited by a bank and a pozhevalnik about vozhimnі zobov'yaznya shodo syadachi, vikoristania і zapashennya pokek. At nyomu vkazuyutsya naimenuvannya storin, a kind of credit, a kind of seeing, yogo meta, suma, lines vidichi, rozmіr pay, umovi zabezpechennia і zobov'yanya storin: from one side - for the sake of money and for the sake of credit, for the money for vicarities, Extinguished poses and visages behind it. In the case of a treaty, it is necessary to takozh vidpovdalnist storin (creditor and poshevalka) for pozhrashennya minds contract to that juridical address.

Pislya ukladennya credit agreement, the bank vidkryvaє pozhalniku poskovy rakhunok, for some zakahovuyutsya peredacha contract Sum credit.