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Money and credit - Ivanov V.M.

4.2. Cashless payments

The choice of a specific form of cashless payment is the right of business entities (table. 1). In this regard, the form and procedure for settlements are integral elements of any business contract. As already noted, the following documents exist for processing cashless payments.

Payment request (Appendix 6) - a document according to which the recipient of money provides the bank with a request to the payer to pay a certain amount of money. Only used for offsetting requirements.

Advance payment or planned payments are made using payment orders.

Annex 1

Zayava on vіdkrittya rakhunkіv Naymenuvannya establish a bank

Naymenuvannya pіdpriemstva

(repeat and exact name)

Енти Identification code for ЄДРПОУ енти Identification code number ДРСО

Please vidkriti

(more accurate, budget and international rahunks) rahunok on the first page of the National Instructions of the National Bank of Ukraine about the issue of banks by the rachunks at the national and foreign currencies, which is for us the strength of the world. In the most recent banking establishments, there is no mum, mamo (enter the number of the banking and that numbers in any banking establishments)

Kerivnik (Posada) (Pіpisp, prozvizche, іnіtsіali)

Head Accountant (Підппис, прізвидще, ініціали)

"_"___R.

M.P.

Vіdmіtki jar

Відкрити Documents for execution

_ rakhunok vіdkrittya rakhunku that zdіysnennya

(more accurate, budgetary that ін. рахунки) operation behind a rakhunk perev_riv:

Permit Kerivnik (copy)

Date vіdkrittya rahunku "_" __ r-

No. ball. rahunka

No. of persons. rahunka

Golovny

accountant (p_pisp)

Payment requirement

(Naymenuvannya whipwort rahunka)

Rahunok No.

Posada

Prizvishche, I’m that on the Father

Zrazok pidpisu

Pershii pidpis

Pershii pidpis

Another p_pis

Another p_pis

Zrazek signet

All oblivia on the regional level and interest rate for the chief accountant.

A copy for a print of a third-party organization, which has been reaffirmed by the revision of this signature.

Lines of precedence and inscription of service functions, such as hourly, are corroded by the right of the first one of another signature, zvіdchuєmo:

Kerivnik _

Head Accountant _

Remuneration of the signature of the clerk and that of the chief accountant, as a rule, before the Satutu (Regulation),

Zasvidchuyu_

(Posada і pidpis kervіnika ch patron kerіvnika vyschestoyaschego organizatsii)

Vidan Groshovi checks

date

s No.

to number

date

s No.

to number

Text No. 0157500-972 (part 3)

Appendix 3

Dodatok

before the decision of the Regulation of the National Bank of Ukraine No. 64 of March 17, 1997

Podatkovіy admіnіstratsії (mіsto, district)

Dovidka

about vіdkrittya (zakrittya, zmіnu) rahunka

Powered, scho "_" _ 199_ rock_

(name the jar)

vіdkrito (closed, reserved number) _

(name of the hairline rahunku)

rattle No._

(rozrakhunkovy, more precisely, budget, deposit and that rashunki in national and that foreign currency)

Kerivnik set the bank (p_pisp)

Head accountant (pidpis) M.P.

Appendix 4

The current pattern in foreign currency of a physical individual is foreign (resident of a non-resident), an individual without bulk and that non-resident of Ukraine.

Vіdkriti flowing rahunok

No. _ _

in _ (name, install an upgraded jar)

(change currency)

(signature of the bank service) "_" _ 199 _ p.

Zayava

vid_,

(nickname, im'ya, by father)

passport, seriya _______ No. _______________, bullying _______________________

(The last document, scho zdvidchuє person)

Identification number of the DRFD (for foreign residents) _______________________.

that osib without bullying - redizentіv)

I ask v_dkriti precision rachunok _________________________________________

(change currency)

on my name.

Letters of order will be subscribed by me, but by my special consideration for my deed.

At times you can reassure an individual to the right to dispose of a rachun of goiters; I undertake to randomly go about the process in the written form.

The rules of the bank are generally established for efficient work with me, I respect them for myself. All listuvannya schodo tsogo rahunku I ask for coercion for the address

About zmіnu addresses povіdomlyatimu bank letter.

"_" _ 199 _ p. _

(pidpis valsnik rahunku)

Text position No. 0819500-982 (part 3)

Dodatok 4

to the Instruction on bank credit by banks in national and foreign currencies

Zayava on vіdkrittya rakhunka of a physical person

Table 1

Period, years

Forms of cashless payments

1921-1930

Settlements by checks, settlements in the order of bank transfers, settlements using bills of exchange

1930-1932

Acceptance, letter of credit, settlements on special accounts, settlements by check, bank transfers

1987-1991

Collection (acceptance), letter of credit, settlements by payment orders, scheduled payments, check, settlements in the set-off of mutual claims

1991-2001

Settlements by payment orders, settlements by payment claims, settlements by payment claims-orders, settlements by check, letter of credit, bill of credit, offset of mutual debts, direct, collection order (order), scheduled payments

The development of forms of cashless payments

Platzhna vimoga

Payment order (appendix 7) - an order of an enterprise to a bank to transfer a certain amount from its account to the account of another enterprise. Indeed, such an order is 10 days from the date of discharge; however, the day of discharge is not taken into account. Payment orders are accepted by the bank for execution only if funds are available on the payer's account, unless otherwise agreed between the bank and the account holder.

Cashless payments are classified according to the forms:

depending on the terms of payment for the transaction -

• acceptance;

• non-acceptance;

• letter of credit;

• scheduled payments;

• offsetting mutual debts;

depending on the means of payment used -

• without their use (settlement by payment requirements, instructions, requirements-orders);

• check;

• bill of exchange.

Acceptance form of calculations (Fig. 4). When using this form of payment, the supplier, having shipped products, goods (having completed work, rendering services), submitted a payment request and copies of shipping documents to the bank serving it, i.e., instructed the bank to pay for this payment request. Further, the supplier’s bank transferred the claim itself to the payer’s bank, and the latter to the payer.

Acceptance Form of Settlement

Fig. 4. Acceptance of payment

Settlement by payment requirements-orders

Calculation of payment requirements-orders (Fig. 5). These are settlement documents (appendix 8) containing the requirements of the supplier to the buyer to pay on the basis of the invoices and shipping documents sent to him (bypassing the bank) and the cost of the delivered products or goods (work performed, services rendered) and, at the same time, the buyer’s order to the bank serving him received products or goods (works, services).

Fig. 5. Settlements by payment orders

Letter of credit form of payment (Fig. 6). Letter of credit - a monetary obligation of a bank issued by him on behalf of a client (enterprise, organization) in favor of the latter’s counterparty under an agreement under which the bank that opened the letter of credit can make a payment or authorize to make such a payment to another bank, provided the supplier provides him with the documents required by the letter of credit (adj. 9, 10). The validity period and the procedure for settlements under a letter of credit are determined by an agreement between the payer and the supplier, which must contain such information:

• name of the issuing bank;

• type of letter of credit and method of its execution;

name of the issuing bank

Platzhna vimoga doruchennya

APPLICATION FOR A LOAN

view "_" _ 199_ p.

Letter of credit applicant

Beneficiary

Code for ЄДРПОУ

Code for ЄДРПОУ

Bank-Issent

Beneficiary Bank

in m. MFI №

in m. MFI №

Give us a letter of credit

Lines of letter of credit

(type of letter of credit)

view "___" ________________199 __ p.

Suma

(in numbers and words)

A letter of credit at the inshomu (viskuyuyuyu) bank vikonati:

a) for a merchandise of payee's money, deposited with a vicarious bank

b) Inkasatsіyu documents to the bank -

Wash the letter of credit to the viscous bank send:

a) special viscosity;

b) for short periods:

- by electronic mail

- teletype

capacity

c) through the correspondence rachunka

bank-emitenta (Zaive zakreslit)

(Інші лінії зв'язку, ватать які. Zaive zakreslity)

With acceptance (chiyim), without acceptance

Contract No. vid "" 199 p.

Pay (Chi acceptance) hereby:

Name of goods, vikonanikh robіt, nadanikh servant

(Kіlkіst, price, sum)

Dodatkovі think:

(transfer of documents, as I come to the registry of documents for a letter of credit)

M. P. Signature of the letter of credit applicant

Register of documents for a letter of credit

• a method of notifying the supplier of a letter of credit;

• list of required documents. Letters of credit may be:

• covered (deposited), upon opening of which the issuing bank transfers the payer's funds to the supplier’s bank, which, in turn, credits these funds to a special balance account for the entire term of the issuing bank;

• uncovered - funds remain with the issuing bank;

• revocable - may be changed or canceled without the prior consent of the supplier;

• irrevocable - cannot be changed without the consent of the supplier in whose favor they are open.

Fig. 6. Letter of credit settlements

Check form of payments . Checks - a written order to the bank from the owner of the current account (drawer) to pay the check holder the amount of money indicated in the check from his account to the account of the recipient of funds. Settlements by checks between legal entities (adj. 11) and individuals (adj. 12) are made within the limits of funds deposited for this purpose on a special account.

Offsetting mutual debt. The use of this form of cashless payments assumes that there is a mutual debt between the parties to the transaction, which is repaid by offsetting mutual claims, which helps to expedite settlements.

Letter of credit form of payment

Instructions about preparedness-free rosaries in Ukraine

Bill form of payment (adj. 13, 14). A bill of exchange is a security (payment document) that certifies an unconditional monetary obligation of a debtor to pay a certain amount of money to the holder of a bill after the end of a specified period. There are such types of bills:

promissory note - contains a simple, unconfirmed obligation of the drawer to pay the owner of the bill after the end of the specified period a certain amount;

bill of exchange - contains a written order of the bill holder, addressed to the payer, to pay a third party a certain amount of money at a certain time.

In addition, these types of bills are distinguished:

• commercial - bills based on real commodity coverage;

• state - bills of exchange, the bill holder of which is the state;

• banking;

• tax.

Accounting or buying bills by a bank is a short-term financial transaction using a discount rate.

Scheme for the purchase of bills: the owner of a bill for a certain amount? Does he present a bill to the bank, which agrees to take it into account, holding a part of the bill amount - discount. In this case, the bank offers the holder of the bill of exchange the amount of RU calculated on the basis of the discount rate declared by the bank. The calculation of the amount paid by the bank is as follows:

where PV is the present value; FV - future value (face value); t / Td — the relative duration of the period until the loan is repaid; t is the number of days; T is the estimated number of days in a year; d is the discount coefficient.

The difference between the future and present value of the bill is the bank commission.

Non-acceptance form of payment (app. 15). Currently, direct debit (without the consent of the company) is debited from the payer's current account in the following cases:

• penalties for the enterprise (organization) by the tax authorities and extrabudgetary funds;

Appendix 13

The text of sheet No. 1_85500-930 (part 1) Register No. "_" _ 199 __ p.

Hardened_bills_

on the bag _________________________

Kerivnik jar

(p_pisp)

"_" _ 199 __ p.

in _______________________________

(install a jar)

(naymenuvannya pred'yavnika) pere (vrahuvannya)

presenting for _________________

pere (force)

_____________ bill ___________

on the bag _________________________

(in words)

Dovidka about the proposition of the pre-bills for bill loans

on "___" ___________199 __ p.

(ty_)

(Re) Fraud

Pere (Outpost)

1

2 3

1. Recoveries

2. Bargaining for outstanding bills

3. Vilnius

4. Promissory notes have been presented at the public health insurance registry.

5. Vidnoshennya zaborganostі to security at%:

- installed by the bank

- actually

6. Much buti seen Dodatkov’s pose

signatures іпповідальних осіб

No.

Veks-

Mіs-

date

Suma

Stro-

Number

Stav-

Suma

Komі-

Vidmіt-

bills

ice

tse

warehouse

leather

ki

dniv

ka

vice

sіya

ka about

at

behind

Tsі

pla-

given

many

must

before

vice

huwan-

por-

interrogation

by-

jour-

(turn

teju

on the

century

Jen-

building

hu

nya

then

test

row-

on the-

find-

lines

mudflow

nya

ku

bath

(dis

ladies

bath

ku

scrap

men-

(m_sya-

pay-

pla-

at%

con

but

і інші

ban

bath

tsiv

live for

teju

that)

zauva-

ku

i hell

days)

bills

wife

Resa)

fir trees

jar

1

2

3

4

5

6

7

8

9

10

eleven

12

Appendix 14

enterprise penalties

Continuation adj. 14

payment of railway tariffs

payment of bank services for cash management services

• penalties for the enterprise (organization) by decision

court;

• payment of railway tariffs, electricity, water supply, etc .;

• payment of bank services for settlement and cash services.

When making payments between enterprises, organizations under business contracts (commodity transactions), this form is not currently used.

Planned payments as a form of cashless payments are applied in such cases:

• the contract counterparties are not satisfied with either prepayment or payment upon completion of the transaction;

• the transaction is carried out over a long period and its payment is carried out during this period, as a rule, in equal shares, regardless of the rhythm of deliveries;

• the volume of the transaction at the conclusion of the contract is known approximately and can be specified during its implementation.

Planned payments are made using payment orders.