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Analіz bankіvskoї dіyalnostі - Gerasimov AM

7.5. Osoblivostі analіzu obmіnnih operatsіy

Operatsії kupіvlі-sale іnozemnoї currency Je nayposhirenіshimi bankіvskimi operatsіyami. Tsі operatsії zdіysnyuyutsya vsіma banks SSMSC toil lіtsenzіyu Natsіonalnogo jar on zdіysnennya operatsіy s Monetary tsіnnostyami. Obmіnnі operatsії zdіysnyuyutsya banks through vlasnі operatsіynі kasi, vlasnі paragraph obmіnu currency is the paragraph obmіnu currencies SSMSC vіdkritі on pіdstavі agentskih land. Slіd zaznachiti scho paragraph obmіnu currency - agents SSMSC toil pevnі osoblivostі in organіzatsії rozrahunkіv.

According au-Perche, agentska lands ukladaєtsya Bank іz sub'єktom pіdpriєmnitskoї dіyalnostі essence yakoї polyagaє in nadannі bank Pevnyi poslug. Operatsії agentіv zdіysnyuyutsya for rakhunok i koshtіv bank oblіkovuyutsya on balansі bank. Fіnansovy result for the category tsієї obmіnnih punktіv formuєtsya balansі on the bank, and the bank rozrahunki zdіysnyuyutsya for viznachenoyu in agentskіy ugodі form.

In praktitsі bank naychastіshe scrip, scho pіdlyagaє splatі agent rozrahovuєtsya fallow od pokaznikіv dіyalnostі (obsyag koshtіv turnover koshtіv, realіzovany that nerealіzovany result splat Zborov to the Pension Fund, zarobіtna board Kathir that INSHI nakladnі vitrati). Ale i buvayut INSHI FORMS rozrahunkіv, viznachenі in absolyutnіy formі. Do this before razі analіtichnoyu service of the bank postaє zavdannya otsіniti efektivnіst vikoristannya poslug agent that dotsіlnіst establishing Pevnyi rozmіru payment. Krіm of paragraph obmіnu currencies vіdkritі agentskih on land, toil naybіlshy stupіn riziku for bank s monetary zakonodavstva Look torn down. Aje for such nayavnostі torn down shtrafnі sanktsії pokladayutsya on the bank.

In zv'yazku s CIM analіz zaznachenih operatsіy neobhіdno provoditi sama at tsomu rozrіzі. Yakscho rezultativnіst obmіnnogo paragraph nevisoka agent neobhіdno zіstaviti riziki i priynyati rіshennya podalshoї schodo yogo robot.

Practical whether yak yak Got upravlіnske rіshennya pozitivnі so i negativnі naslіdki, i metoyu upravlіnskoї polіtiki Got Booty vprovadzhennya quiet zahodіv for yakih rіznitsya mіzh POSITIVE NEGATIVE rіshennyami bula i used most positively in pevnіy sferі dіyalnostі bank.

HEAD kriterієm upravlіnskih zahodіv in sferі currency-obmіnnih operatsіy Je їh vpliv on efektivnіst, rentabelnіst, scho for rakhunok dosyagaєtsya:

• optimіzatsії koshtіv scho vikoristovuyutsya;
• kursovoї polіtiki.

For results analіzu dіyalnostі bank on market analysis valyutoobmіnnih operatsіy neobhіdno vidіliti zagalny vpliv faktorіv on dinamіku pributkovostі. Z'yasuvannya reasons for Change themselves faktorіv Je subject situatsіynogo analіzu scho realіzuєtsya through marketingovі funktsії.

Rozglyanemo butt analіzu robots obmіnnih punktіv bank. Pripustimo, scho i 1 2nd paragraph - agents INSHI - ITEM obmіnu bank. In zvіtnomu perіodі obsyag operatsіy that fіnansovy result uniquely vіdrіznyayutsya. Factorial analіz nadast іnformatsіyu, SSMSC chinniki vplinuli on dіyalnіst punktіv obmіnu that viznachit efektivnіst їh robots.

table 7.14

ANALІZ EFEKTIVNOSTІ robots OBMІNNIH PUNKTІV, yew. UAH

Paragraph obmіnu currency 1 - agent.

Roztashovany have great supermarketі.

S Sort order them from zvіtnomu perіodі vіdkrito slit two points іnshih bankіv.

In zvіtnomu perіodі popit at Hotel sposterіgavsya temple.

Kursovі Oscillations znachnі scho vplinulo on nerealіzovany fіnansovy result.

Obsyag operatsіy suttєvo not vіdrіznyaєtsya od serednogo.

SPLAT koshtіv agent - 20% od fіnansovogo result.

Lіmіt advance payment - 3000 dollars. USA, 1000 EURO including 5000 UAH.

Obmіnu Paragraph 5 - point Vlasnyi obmіnu.

Location roztashuvannya - from sleeping rayonі Mista.

Popit temple, Ale tse not vplinulo on obsyag operatsіy, oskіlki Location roztashuvannya not vigіdne.

Kursovі Oscillations znachnі scho vplinulo on nerealіzovany fіnansovy result.

Lіmіt advance payment - 3000 dollars. USA, 1000 EURO including 5000 UAH.

Yakscho porіvnyati robot dvoh obmіnnih punktіv can zrobiti visnovok, scho in zvіtnomu perіodі stink boule performance. However, the robot Vlasnyi obmіnnogo point in zv'yazku s nezruchnim mіstsem roztashuvannya at odnakovih sumac lіmіtu Bula Mensch efektivnosti. Obsyag operatsіy uniquely Mensch, i chastka realіzovanogo fіnansovogo result tobto factuality pributku, becoming Mensch pitomu breaking bar.

For this principle slіd proanalіzuvati robot skin item obmіnu currencies porіvnyati pokazniki їhnoї dіyalnostі that viznachiti chinniki scho vplinuli on pіdvischennya pributkovostі, i Ti, scho її strimuyut.

Factors scho toil Visokiy vpliv the result valyutoobmіnnih operatsіy bank:

• mіstkіst Rinku poslug (popit);
• seasonal nature (napriklad, obmіnnі paragraph in zonі vіdpochinku);
• is competitive pozitsіya (propozitsіya);
• dinamіka kursіv, їh for Change, rozmіr marzhі;
• admіnіstrativnі chinniki;
• tehnіchna osnaschennіst;
• Robot mode;
• rіven kvalіfіkatsії (umіnnya otsіniti platospromozhnіst banknotes viyavlennya fakes).

Vikonuyuchi zavdannya scho postayut to the bank, i pratsyuyuchi s pokaznikami, managers of banks povinnі borrow up uwagi malokontrolovanі chinniki zovnіshnogo market analysis. Ekonomіchnі that polіtichnі minds dії konkurentіv, zmіni in sotsіalnomu i rіvnі cultural population - all guilty vrahovuvatis Tse pid hour modelyuvannya, koordinatsії that formuvannya poslug spectrum.