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Credit rozrahunkovі operatsії - Mіlay SA

1.3.1. Operatsії for deposits

In Suchasnyj dzherela koshtіv minds, scho rozmіschuyutsya deposits, dosit rіznomanіtnі. Tse Costa rahunkah of companies in the second sovereign-sovereign sector Economy, rahunkah Reigning zakladіv organіzatsіy i, i Gromadska relіgіynih organіzatsіy, Costa orendarіv, fermerіv, quiet, hto zdіysnyuє іndivіdualnu dіyalnіst of labor. H point Zora bankіvskogo upravlіnnya deposits mozhna podіliti on Dvi groups: rahunki "to zapitannya" i strokovі rahunki.

Deposits zapitannya vikoristovuyutsya nasampered for zdіysnennya precisely rozrahunkіv. Vlasnik Mauger rahunka obirati at tsomu rіznі FORMS platezhіv: platіzhnimi doruchennyami, gotіvkoyu, checks, perekazom (chi bill). Vіdkrivshi Taqiy rakhunok, klієnt peredaє bank the right tehnіchnogo Keeping svoїh platіzhnih operatsіy. Deposits zapitannya klasifіkuyutsya fallow th od nature nalezhnostі koshtіv scho zberіgayutsya on rahunkah, zokrema Costa on rozrahunkovih precisely rahunkah Reigning i-sovereign of companies, organіzatsіy, setup.

Schodnya zdіysnennya platіzhnih operatsіy from banks potrebuє od bankіvskih spetsіalіstіv іstotnih vitrat pratsі, SSMSC, Hoch i znizhuyutsya through zastosuvannya komp'yuternoї tehnіki, toil digit pitomu breaking bar in bankіvskih vitratah. However tsі vitrati bіlshoyu chi Mensch mіroyu mozhut kompensuvatisya tim, scho klієnti, SSMSC vіdkrili rahunki to zapitannya, not Povny obsyazі vikoristovuyut svoї Costa on rahunkah. Tom dosit stabіlno vikoristovuєtsya not so firmly zalishok titles, yaky vikoristovuєtsya bank for svoїh komertsіynih tsіley, tobto vіn Mauger nadavati їh in poziku. In serednomu Tsey zalishok Je Pevnyi ochіkuvanoyu the size i utvoryuєtsya vnaslіdok of scho bezlіch klієntіv bank regularly znіmayut Costa Zi svoїh precisely rahunkіv i popovnyuyut їh through Pevnyi hour. Ale bіlshіst klієntіv to pay for svoїh zobov'yazan not vikoristovuyut vsogo contribution. Navіt todі, if pіdpriєmstvo schodenno zdіysnyuє platezhі on rahunkah zalishayutsya pevnі groshovі zalishki. Yakscho protyagom trivalogo perіodu flows nadhodzhen i vitrat on rahunkah zalishayutsya zbalansovanimi, dinamіka quantities of solid zalishku on rahunkah zumovlyuєtsya mainly tsiklіchnim character pіdpriєmnitskogo processes. Taqiy zalishok koshtіv on rahunkah to zapitannya dotsіlno vikoristovuvati for rozshirennya Activity operatsіy and otzhe for pіdvischennya pributkovostі robots bank. Without Especially riziku mozhna s Tsikh koshtіv in Pevnyi obsyazі nadavati korotkostrokovі loans.

Contribution to zapitannya mozhna oformlyati on potochnі rahunki abo on kontokorentnі rahunki, mіzh yakimi Je vіdmіnnіst. Vlasnik Mauger stream rahunka znyati s Demba deprivation scrip factuality zalishku koshtіv, tobto Got zmogu vikoristati deprivation obsyag Vlasnyi pennies. Coley Bank vіdkrivaє svoєmu klієntovі kontokorentny rakhunok, then on the plus nomu mozhlivy yak, so i mіnusovy zalishok. Іnshimi words klієnt at whether yaky hour Mauger deprivation is not povnіstyu vikoristati vlasnі Costa on rahunku and th od win a loan from the bank Pevnyi furrows vstanovlenogo lіmіtu bank for debit balances tsogo rahunka.

Friend grupu depozitіv utvoryuyut strokovі contribution. Komertsіynі banks priymayut strokovі dvoh vidіv contribution: Contribution of-line viluchennya bezumovnim s i s contribution poperednіm povіdomlennyam about viluchennya koshtіv s Demba. Tsі deposits, scho toil in korotkostrokovy main character, introducing, yak usually not Mensch yak on one mіsyats. For vkladnika zmіst string vkladennya polyagaє pennies in the Visoki oderzhannі bіlsh vіdsotkіv.

Bank takozh Got zmogu vikoristovuvati depozitnі Costa bіlsh trivaly perіod and otzhe, zbіlshuvati vіdsotkovі income.

Yakscho have razі bezumovnih vkladіv string (without poperednogo Notification) pіslya zakіnchennya dogovіrnogo termіnu klієnt automatic and otrimuє right viluchiti Costa s them from whether yaky hour, then the string s deposits at the bank poperednіm povіdomlennyam Got nadіyti spetsіalna Claim vkladnika. Termіn podachі such Notification about viluchennya koshtіv contribution poperedno obumovlyuєtsya i vіdpovіdno to tsogo vstanovlyuєtsya vіdsotka the value of the deposit. Hoca Yakscho klієnt viluchiti groshі s contribution, the vіn Got svoєchasno povіdomiti about tse Bank zgіdno іz zaznachenimi in dogovorі termіnami Notification. Bankіvskі manager urahovuyuchi maybutnі operatsії s viluchennya depozitіv, toil refіnansuvati pіdpisanі kreditnі lands s іnshih Jerel.