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Іnvestitsіyne kredituvannya - Peresada AA

3.4. Form zabezpechennya bankіvskogo іnvestitsіynogo loan

Pid Form zabezpechennya Povernennya bankіvskoї pozichki slіd rozumіti specific dzherelo repayment Borg Yurydychna Making the lender the right to yogo vikoristannya company profile is the control of the bank for dostatnіstyu danogo dzherela.

Osoblivіstyu іnvestitsіynogo kredituvannya Yea those scho loan is not Mauger Buti blank (nezabezpechenim), so rank in Ukraїnі zgіdno s chinnim zakonodavstvom banks mozhut vikoristovuvati deprivation takі FORMS zabezpechennya іnvestitsіynih pozichok:

• Zastava (zrazok agreement Zastava divas dodatok 4.);
• garantіya - bail (. zrazok divas dodatok 5), in addition chislі:

a) platіzhna garantіya - bezumovne zobov'yazannya at nastannі garantіynogo vipadku pererahuvati bank Pevnyi the bag;

b) garantіya completion of the project, yak vklyuchaє zobov'yazannya sponsorіv not vіdmovlyatisya od zdіysnennya project;

c) garantіya zabezpechennya postachannya vsіm neobhіdnim fіrmoyu, yak zaymaєtsya realіzatsієyu project;

g) dodatkova garantіya in formі deposit sponsor abo fіrmi, SSMSC realіzuyut project at the bank kreditorі;

• peredoruchennya (tsesіya) on korist bank vimog i rahunkіv tretoї to individuals;
• іpoteka;
• insurance areas (Div. dodatok 6).

When robotі іz zabezpechennyam loan rekomenduєtsya doderzhuvatisya vimog, viznachenih nizhche.

Zastavnik guilty Buti vlasnikom lane, scho pid outpost priymaєtsya, abo mother right Povny gospodarskogo volodіnnya chi operational upravlіnnya CIM Main.

Subject to force Got Booty:

• visokolіkvіdnim, tobto vіlno konvertuvatisya in groshovі Costa;
• pridatnim to trivalogo zberіgannya (yak usually protyagom line koristuvannya pozichkoyu);
• for stabіlnimi tsіnami;
• nizkovitratnim schodo zberіgannya that realіzatsії;
• readily available for inspection.

3. Do not shaping can Buti subject to force:

• natsіonalnі, kulturnі that іstorichnі tsіnnostі scho perebuvayut in derzhavnіy vlasnostі i zanesenі abo pіdlyagayut Named to Sovereign reєstru natsіonalnogo cultural Nagybanya;
• vimogi scho toil NKVD character (tobto law scho not toil Mainova zmіstu she was not shaping can Buti vіdchuzhenі od nosіїv, napriklad, avtorske) and takozh INSHI vimogi, Zastava yakih zaboronyaєtsya law;
• ob'єkti derzhavnoї vlasnostі, privatization yakih zaboronena zakonodavchimi acts;
• i am Main Costa blagodіynih organіzatsіy;
• Paper the privatizatsіynі.

Nedotsіlno priymati the outpost:

• Promyslova i torgіvelne obladnannya Zi-of-line ekspluatatsії abo vigotovlennya Ponad 5 rokіv;
• osnovnі Fondi virobnichogo priznachennya, SSMSC not shaping can Buti vidіlenі in okremo roztashovanі odinitsі i do not toil Square energo-, water, teplopostachannya that pіd'їznih shlyahіv;
• avtomobіlі Zi-of-line Key infrastructure Ponad 3-5 rokіv that probіgom: for avtomobіlіv іnozemnogo virobnitstva - Ponad 150 tis. km respublіk kolishnogo USSR - Ponad 70 tis. km;
• orgtehnіku that pobutovu tehnіku of-line vigotovlennya chi ekspluatatsії Ponad 2 prophets;
• zalezhanі (Ponad 1 Year) tovarnі stocks;
• maynovі rights for contracts debіtorska zaborgovanіst on yakih Je stitched;
• budinki abo apartments, scho perebuvayut in privatnіy vlasnostі zastavnika, Yakscho them prozhivayut i propisanі nepovnolіtnі dіti that іnvalіdi.

Osoblivіstyu іnvestitsіynogo kredituvannya Yea those scho Mauger Buti subject to force tіlki real (materіalne) Mein pіdpriєmtsya (Rukh that neruhome). Fіnansovі assets priymayutsya Bank yak dodatkovі deprivation.

Subject to force not to blame for Buti sent messages at the outpost on іnshih zobov'yazannyah pozichalnika abo Buti subject іnshih zobov'yazan have to chislі contract Orenda Chi lіzingu. Odnochasno in dogovorі force the bank s guilty Buti peredbacheno, scho outpost nastupnі Lane, yak passed in force banks not dopuskayutsya (zrazok contract to force Div. Dodatok 4).

In vipadku, if pіdpriєmstvo nadaє the outpost Reigning Main, the vono Got otrimati dozvіl on the outpost in Fondі derzhmayna Ukraine. The procedure for such otrimannya allowed reglamentuєtsya provisions of the FIM Ukraine "About nadannya derzhmayna Fund of Ukraine allowed to the frontier sovereign lane" 4 chervnya od 1996 r. Number 618, zokrema:

1. otrimannya allowed on the outpost lane pіdpriєmstva povinnі taxes Fund sovereign mynah Ukraine (Yogo regіonalnim vіddіlennyam) takі documents:

1.1. Leaf-zvernennya od pіdpriєmstva, yak ukladaє dogovіr about the outpost;

1.2. Rіshennya vіdpovіdnogo body privatizatsії obsession on loan zgіdno h n 4 stattі 12 Law of Ukraine "About privatizatsіyu Lane Reigning of companies.";

1.3. Minutes rіshennya komіsії on privatizatsії (for the sake of sposterezhnoї aktsіonernih tovaristv) abo rіshennya predstavnika body privatizatsії, upovnovazhenogo upravlyati chastkoyu sovereign lane (Yakscho in sposterezhnіy radі Taqiy predstavnik vіdsutnіy), about mozhlivіst zabezpechennya pozichki outpost;

1.4. Kopії ustanovchih dokumentіv;

1.5. Perelіk Lane, yak pid outpost vіddaєtsya scho mіstit:

• Opis Lane vіdpovіdno to dodatka 1 zrazkovogo contract to force;
• zvіt about ekspertnu otsіnku abo pismove obґruntuvannya rinkovoї vartostі Lane, yak vіddaєtsya pid outpost;

1.6. Dovіdku about those scho am Main, yak vіddaєtsya pid outpost, go to the statutory fund pіdpriєmstva;

1.7. Vipisku s book about finding the outpost, scho zabezpechuyut nepogashenі kreditnі contract;

1.8. Buhgaltersku zvіtnіst pitched a stop zvіtnu date;

1.9. Perelіk debіtorskoї that kreditorskoї zaborgovanostey іz zaznachennyam sum i strokovі viplati;

1.10. BIZNES plan Yakscho vіn zabezpechuєtsya credit (іnshim zobov'yazannyam), scho otrimuєtsya on termіn bіlshy nіzh pіvroku, abo fіnansovo-ekonomіchne obґruntuvannya in razі otrimannya loan (іnshogo zobov'yazannya) at Mensch termіn. Tsі document and povinnі mіstiti takі obov'yazkovі rozdіli:

• obґruntuvannya neobhіdnostі otrimannya loan;
• tsіlove priznachennya loan that yogo vikoristannya Roads Ahead;
• dzherela repayment of loans that come in for the repayment yogo in vkazanі dogovorі in credit lines;

1.11. Treaty, scho zabezpechuyutsya outpost;

1.12. The draft agreement will force, hinged s urahuvannyam vimog Fund sovereign mynah Ukraine, viznachenih in zrazkovomu dogovorі outpost.

2. pіdstavі otrimanih dokumentіv Fund priymaєtsya rіshennya stosovno nadannya allowed on the outpost lane Shlyakhov pogodzhennya draft agreement about the outpost lane іz patron head FDM abo chief vіdpovіdnogo regіonalnogo vіddіlennya. Not pіznіshe nіzh for Tyzhden pіdpriєmstvu-zamovniku povertaєtsya pogodzheny draft treaty to force chi nadaєtsya obґruntovana vіdmova.

3. Yakscho for rozglyadu on zasіdannі kreditnoї for potentsіynogo lender potrіben visnovok Fund schodo mozhlivostі zabezpechennya pіdpriєmstvom svoїh zobov'yazan Mein pid outpost, the Taqiy visnovok nadaєtsya on pіdstavі dokumentіv, vkazanih y n. 1. In this razі potentsіyny lender Got Booty povіdomleny about those scho residual pogodzhennya draft treaty to force bude zdіysneno Fund pіslya of acceptance of the positive rіshennya schodo kredituvannya.

4. Nadannya allowed to outpost lane for contracts, for scho ukladayutsya zabezpechennya kreditіv, SSMSC nadayutsya pid garantії Uryadov, held in takіy poslіdovnostі:

4.1. Nadannya allowed on the lane outpost for contracts for scho ukladayutsya zabezpechennya kreditіv, SSMSC nadayutsya pid garantії INSHI zobov'yazannya abo Uryadov, zdіysnyuєtsya viklyuchno aparata Fund sovereign mynah Ukraine.

4.2. For otrimannya vіdpovіdnogo allowed potentsіynі zastavniki toil tribute to the documents of the Fund s zgіdno perelіkom, viznachenim at p. 1.

4.3. For zabezpechennya zobov'yazan Uryadov Mein pid outpost peredaєtsya for rinkovoyu vartіstyu, viznachenoyu Shlyakhov Venue of ekspertnoї otsіnki. Zvіt about ekspertnu otsіnku podaєtsya Fund sovereign mynah s іnshimi time of acceptance of documents for rіshennya schodo mozhlivostі zdіysnennya outpost.

4.4. Residual pogodzhennya dogovorіv outpost lane zdіysnyuєtsya Fund pіslya of acceptance of monetary radoyu Kabіnetu Mіnіstrіv Ukraine rіshennya positive about nadannya garantіy іnshih zobov'yazan abo Uryadov Ukraine іnozemnim creditors.

On pіdstavі otrimanih dokumentіv Fund priymaєtsya rіshennya stosovno mozhlivostі peredachі the outpost lane potentsіynim zastavnikom.

Not pіznіshe nіzh for Tyzhden pіslya otrimannya Povny package dokumentіv pіdpriєmstvu-zastavniku slіd povіdomiti about priynyate rіshennya.

4.5. Vіdpovіdno to priynyatogo rіshennya Fund sovereign mynah podaє to Mіnіsterstva Economy of Ukraine is the agent bank svoї visnovki about mozhlivіst outpost lane pozichalnika neobhіdnu on the bag.

4.6. Dogovіr outpost lane pіdpisuєtsya parties tіlki for nayavnostі on proektі contract pogodzhennya Fund sovereign mynah Ukraine.

Otsіnka of Quality outpost for pozichalnikіv - Yurydychna osіb Yea one іz zasobіv zabezpechennya Povernennya іnvestitsіynogo loan. To force the otsіnki nadіynostі vikoristovuyut takі kriterії:

• spіvvіdnoshennya vartostі Zastavny lane i Sumi credit;
• lіkvіdnіst Zastavny Lane;
• zdatnіst bank zdіysnyuvati control Zastavna Main.

Vіdpovіdno to Tsikh kriterіїv rozrіznyayut p'yat group to force rating for nadіynostі (div. Table. 3.1).

table 3.1

OTSІNKA outpost of Quality FOR POZICHALNIKІV - Yurydychna OSІB

Dali rozglyanemo on prikladі yak viznachaєtsya otsіnka Zastavny lane at іnvestitsіynomu kredituvannі.

The stock 3.1. Before an application for a bank nadіyshla obsession іnvestitsіynogo loan for the amount of 1800 tis. dollars. US termіnom 3 Rocky. Yak outpost pіdpriєmstvo proponuє takі materіalnі that fіnansovі assets:

• budіvlya energobloku, carrying vartіst zvernennya at the date of the loan in 1820 tis. dollars. USA;
• obladnannya tehnologіchne basis - 2550 tis. dollars. USA;
• Package aktsіy AT "Mіkon" -150 yew. UAH;
• AIDP 9 mіsyachnі on the bag 250 tis. UAH;
• garantіya - bail mіstsevoї admіnіstratsії - 40 tis. UAH;
• garantіya - komertsіynogo bank bail - 100 tis. UAH.

Viznachiti, SSMSC FORMS Priyma force the bank i chi vistachit їh obsession for loan Yakscho vіdomo scho vіdsotok for credit becomes 15%; amortizatsії rate on budіvlyu energobloku - 10% on Year; amortizatsії rate on obladnannya - 20% on Year; US Dolar rate to grivnі - 1 to 5.42; credit vidaєtsya odnієyu sumoyu i pogashaєtsya schokvartalno rіvnimi chastkami.

Rozv'yazok:

1. Spochatku viznachimo scrip loan s vіdsotkami, yak want to rotate in the bank.

For tsogo viznachimo scrip schokvartalnih viplat Borg without vіdsotkіv:

yew. dollars. USA.

Vikoristavshi narahuvannya vіdsotkіv formula (2.1), the bag viznachimo vіdsotkіv for Leather perіod.

First quarter Persha rock: [(1800 1650): 2 • 90]: 360 • 15: 100 = 64.69 yew. dollars. USA.

II quarter Persha rock: [(1650 1500): 2 • 90]: 360 • 15: 100 = 59.06 yew. dollars. USA.

The I as Dali for Leather perіod.

Dali sklademo grafіk repayment of the loan (div. Table. 3.2).

table 3.2

(Tis. Dollars. USA)

So rank, zagalna soum loan s vіdsotkami, yak treba splatiti the bank, becoming 2207.81 (1800 + 407.81) yew. dollars. USA.

2. Viznachimo vartіst budіvlі energobloku at the time of repayment of the loan. For tsogo vikoristaєmo method pryamolіnіynogo narahuvannya amortizatsії:

• rіchny instal lment becoming 1820 • 0,1 = 182 tis. dollars. USA;
• three Rocky 182 • 3 = 546 tis. dollars. USA;
• vartіst budіvlі three Rocky 1820 - 546 = 1274 tis. dollars. USA.

3. Viznachimo vartіst obladnannya at the time of repayment of the loan:

• rіchny instal lment becoming 2550 • 0,2 = 510 tis. dollars. USA;
• three Rocky 510 • 3 = 1530 tis. dollars. USA;
• vartіst obladnannya three Rocky 2550 - 1530 = 1020 tis. dollars. USA.

So rank, Total value of real Lane, yak priymaєtsya the outpost, becoming in 1274 + 1020 = 2294 tis. dollars. USA.

For komertsіynogo tse Zaman Bank, to vіn prositime dodatkove zabezpechennya in viglyadі: garantії-bail mіstsevoї admіnіstratsії - 40 tis. UAH (abo 7.38 USD yew..) is the bail-garantії komertsіynogo bank - 100 tis. USD (18.45 abo tis. dollars. USA), package aktsіy AT "Mіkon" on the bag 150 tis. USD (27.68 abo tis. dollars. USA).

Dev'yatimіsyachnі AIDP priymatisya banks will not, more lines їh repayment Mensch od credit line.

Otzhe, zagalna scrip Zastavny lane becomes (2294 + 7.38 + 18.45 + 27.68) = 2347.51 yew. dollars. US scho deprivation 6.3% perevischuє scrip loan s vіdsotkami, SSMSC potrіbno viplatiti bank. However i tsya scrip Zamaliev Yea, more in normі Got Booty pokrittya Borg, becoming yak 1 to 2.