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Bankіvskі operatsії - Frost AM

Rozrahunki platіzhnimi doruchennyami

Rozrahunki platіzhnimi doruchennyami. Platіzhne doruchennya - tse pismovy document standartnoї FORMS s doruchennyam klієnta bank scho yogo obslugovuє on pererahuvannya vkazanoї sumi koshtіv s yogo rakhunok on rahunku oderzhuvacha (Figure 3.3.). Rozrahunki platіzhnimi doruchennyami - tse one s nayposhirenіshih in Ukraїnі rozrahunkіv forms. For tsієyu Form klієnti bankіv mozhut rozrahovuvatisya for trademark i monetized operatsіyami: in kuplenі Goods, Hotel, Realized works for zobov'yazannyami before fіzichnimi individuals (alіmenti, pensії, zarobіtna fee, the fee toscho) for zobov'yazannyami to banks, podatkovih, the insurance that іnshimi fіnansovimi bodies іnshimi Yurydychna individuals.

Fig. 3.3. Form platіzhnogo doruchennya

For trademark operatsіyami platіzhnimi doruchennyami zdіysnyuyutsya platezhі s poperednoyu, negaynoyu, dostrokovoyu i vіdstrochenoyu payment. For monetized operatsіyami platіzhnimi doruchennyami zdіysnyuyutsya, Vlasnyi, OOO All platezhі.

Platіzhne doruchennya vipisuє platnik, chіtko dotrimuyuchis established rules of registration platіzhnih dokumentіv, i podaє the bank scho yogo obslugovuє not pіznіshe nіzh protyagom 10 calendar dnіv pіslya dati vipiski doruchennya. Suma taken by the bank to vikonannya doruchennya spisuєtsya s rahunku paysite (rakhunok debetuєtsya) i zarahovuєtsya on rakhunok oderzhuvacha (rakhunok kredituєtsya) Yakscho vіn vіdkrity from that same bank. Yakscho Well rakhunok oderzhuvacha vіdkrity іnshomu in the bank, the Costa spisanі s rahunku paysite will perevedenі the bank oderzhuvacha zgіdno s chinnim order mіzhbankіvskih rozrahunkіv, about scho mova ytime in rozdіlі 3.4, de stink will zarahovanі on rakhunok oderzhuvacha.

Ruh platіzhnih dokumentіv at tsіy formі rozrahunkіv Got Taqiy viglyad (Fig. 3.4).

Fig. 3.4. Driving zdіysnennya payment at rozrahunkah platіzhnimi doruchennyami

Priymayuchi platіzhne doruchennya od klієnta, pratsіvnik bank responsible zvernuti Especially uwagi takі at the moment?

- Chi zapovnenі OAO All rekvіziti;

- Hosting Project vіdpovіdayut chi paysite nazvі in reєstratsіynih documents and pіdpisi osіb - zrazkam pіdpisіv in karttsі;

- Chi correctly vkazano priznachennya payment that posilannya on paper - pіdstavu for payment.

Yakscho paysite that oderzhuvach koshtіv Je uchasnikami Sistemi E-mіzhbankіvskih rozrahunkіv then platіzhnі document and mіzh їhnіmi banks peresilayutsya channels elektronnoї why; Well Yakscho stink not Je uchasnikami tsієї system, then document and platіzhnі mіzh їhnіmi banks dostavlyayutsya kur'єrskoyu why. Yakscho bank won klієnta document and in the furrows operatsіynogo day, vіn zobov'yazany їh obrobiti i vіdpraviti the bank oderzhuvacha E-chi kur'єrskoyu why nadhodzhennya day. Yakscho document and nadіyshli pіslya operatsіynogo day - then the following day.

When zastosuvannі tsієї FORMS rozrahunkіv platnik that oderzhuvach koshtіv Pevnyi mіroyu rizikuyut.

Riziki paysite (pokuptsya) pov'yazanі perevazhno s poperednoyu pay operatsіy trademark. In tsomu paysite razі in mute garantії of scho Produkciya, Hotel, robots will postavlenі (nadanі) svoєchasno i nalezhnoї of Quality, peredbachenoї contract. Krіm of vіn Mauger zaznati vtrat in zv'yazku s trivalim vіdvolіkannyam s turnover penny koshtіv that nadannyam postachalniku bezprotsentnoї pozichki.

Oderzhuvach pennies (seller, lender) Nese two Vidi riziku. Purshia іz them pov'yazany іz zatrimannyam vipiski paysites platіzhnogo doruchennya, s vіdsutnіstyu koshtіv rahunku on the production, s obsession nemozhlivіstyu pozichki in the bank s sub'єktivnimi toscho reasons. Uniknuti tsogo riziku mozhna peredbachennyam vіdpovіdnih sanktsіy at ukladennі contract. Another type riziku pov'yazany іz zatrimannyam pererahuvannya koshtіv for platіzhnim doruchennyam vіdpovіdnimi banks chi rozrahunkovimi structures (rozrahunkovimi chambers RCC).

Chinnimi rules bezgotіvkovih rozrahunkіv viznachenі termіni perekazuvannya banks koshtіv for platіzhnimi doruchennyami * 4 i peredbachena vіdpovіdalnіst bankіv for Tsikh termіnіv torn down. Prote klієntu - oderzhuvachu pennies Nadto smoothly viznachiti particular vinuvattsya in zatrimannі perekazuvannya pennies, i fact tsogo riziku uniknuti vazhko.

* 4: {Termіn mіzh datoyu nadhodzhennya doruchennya the bank paysite i datoyu zarahuvannya pennies on rakhunok oderzhuvacha (perіod valyutuvannya) not guilty perevischuvati three robochі dnі.}

In okremih vipadkah platіzhnі doruchennya poperedno garantuyutsya bank for zabezpechennya garantії payment. Garantovanimi doruchennyami zdіysnyuyutsya rozrahunki s pіdpriєmstvami zv'yazku for perekazuvannya koshtіv through them:

- Okremim gromadyanam nalezhnih їm sum zarobіtnoї pay, pensіy, alіmentіv, vitrat on vіdryadzhennya, gonorarіv, stipendіy toscho;

- Іnshim pіdpriєmstvam chi svoїm okremim structures on vidatki for viplati zarobіtnoї pay for organіzovany nabіr robіtnikіv for zagotіvlі sіlskogospodarskoї produktsії, Yakscho in mіstsі їh roztashuvannya dumb SET bankіv.

Pіdpriєmstvo-platnik at oformlennі garantovanogo doruchennya vkazuє pіdpriєmstvo zv'yazku through rakhunok yakogo zdіysnyuvatimetsya perekazuvannya, i dodaє to Demba list oderzhuvachіv perekazіv іz zaznachennyam methylene koshtіv obsession.

Garantіya doruchennya polyagaє in fact, scho bank indication in the bag nomu koshtіv spisuє s rahunku paysite i bronyuє її on okremomu rahunku "Rozrahunki garantovanimi platіzhnimi doruchennyami" she robit vіdpovіdnі napisi on dvoh primіrnikah doruchennya, zasvіdchuyuchi pіdpisami dvoh pratsіvnikіv bank that vіdbitkom gerbovoї seals. On the bag garantovanogo doruchennya not Mauger Buti nakladeny aresht that zverneno styagnennya for pretenzіyami.

Purshia primіrnik garantovanogo doruchennya platnik peredaє pіdpriєmstvu zv'yazku time іz zapovnenimi forms perekazіv on specific oderzhuvachіv koshtіv. Pіdpriєmstvo zv'yazku peredaє garantovane doruchennya svoєmu bank yaky zarahovuє scrip doruchennya to yogo rakhunok. Yakscho rakhunok paysite on Money Does zabronovanі Costa, vіdkrity from that same bank, the scrip odnochasno doruchennya charged bude s tsogo paysite rahunku. Yakscho Well vіn vіdkrity іnshomu in the bank, then the write-off koshtіv zdіysnyuvatimetsya zgіdno s chinnim order mіzhbankіvskih rozrahunkіv.

Rozrahunki platіzhnimi doruchennyami dotsіlno zastosovuvati at postіynih i rіvnomіrnih supply produktsії (poslug, robіt) mіzh EYAD pіdpriєmstvami (mіzh maslosirzavodami that sіlskogospodarskimi pіdpriєmstvami, hlіbozavodami, m'yasokombіnatami, dairies that torgovelnimi organіzatsіyami toscho). Such vipadkah platіzh dotsіlno zdіysnyuvati not okremoyu for dermal delivery, and for їh sukupnіstyu for Pevnyi perіod scho nazivaєtsya platіzhnim. Trivalіst platіzhnogo perіodu, specific line i scrip payment, the procedure kіntsevogo rozrahunku viznachayutsya in dogovorі storіn, kopіya yakogo podaєtsya bank. In viznacheny lines platnik podaє bank doruchennya on vstanovlenu scrip s zaznachennyam, zamіst priznachennya payment, the numbers i dati contract zgіdno s Yakima zdіysnyuєtsya platіzh. When zdіysnennі ostannogo paying for the contract utochnyuєtsya zagalna scrip payment for the supply of factual produktsії (poslug, robіt) i vіdpovіdno koriguєtsya scrip ostannogo payment.

Rozrahunki platіzhnimi doruchennyami

Rozrahunki platіzhnimi doruchennyami - dosit simple zruchna, Ekonomichna form scho zabezpechuє Shvidky zdіysnennya payment.

Rozrahunki platіzhnimi vimogami-doruchennyami. Platіzhna vimoga-doruchennya - tse kombіnovany document Money Does peredbachayutsya two Vidi Act reasonably: 1) vimoga seller to pokuptsya oplatiti nadіslanі Yomou komertsіynі vіdvantazhenі documents for goods; 2) doruchennya pokuptsya (paysite) svoєmu bank oplatiti vkazanі document and i pererahuvati Costa seller. Tse Duzhe not wider form rozrahunkіv. Won in Zvichayno zastosovuєtsya rozrahunkah for vіdvantazhenu produktsіyu, Realized works, nadanі Hotel. Vimogu-doruchennya vipisuє Seller once i s komertsіynimi documents peresilaє bezposeredno pokuptsevі. Ostannіy perevіryaє oderzhanі document and s metoyu viyavlennya dotrimannya owner minds contract i, Yakscho vіn pogodzhuєtsya zdіysniti payment daє vіdpovіdne rozporyadzhennya svoєmu bank directly at vimozі-doruchennі. Making paysites vimogi-doruchennya i yogo filed to the bank in order that zdіysnyuєtsya in line for vstanovlenі zvichaynih platіzhnih doruchen.

Bank priymaє vimogu-doruchennya od paysite protyagom 20 calendar dnіv pіslya vipiski i on the bag, yak Mauger Buti splachena for nayavnimi Costa on rahunku paysite.

Yakscho paysite vіdmovlyaєtsya oplatiti vimogu-doruchennya, something about tse vіn guilty povіdomiti bezposeredno oderzhuvacha in order that line zaznachenі in dogovorі, is the cause of vkazati vіdmovi.