Depository and Clearing Wallet Clearing Organizations is a special device that allows you to lose all the money at once. The folk wisdom is above repeatedly mentioned such important institutions of the stock market as depositories and settlement and clearing organizations.

Chapter 13 Service, Service and Once again, the service quit, my dad wanted to move to Florida and open the store there, counting on a calm and comfortable lifestyle. Having enjoyed my mother's consent, he decided to sell the house in Westport. It was 1958. Pope were

After-sales service Conclusion of the transaction and selling sales does not mean that the work of the sales representative with this client is completed. The client needs to provide subsequent service, information or other service to achieve high

Cash service maintenance of a commercial bank of legal entities is based on a modern financial system. Such cases where enterprises are calculated directly, remained in the past. Now for an attempt to perform such actions in some cases, criminal punishment is even provided.

general information

To begin with, let's find out what is the calculated cash service of legal entities in the bank. This is called a range of services that are provided with financial institutions and which are aimed at ensuring timely calculations of the organization with various entities. The procedure of their provision is regulated by the Law "On Banks and Banking Activities", the Civil Code of the Russian Federation and the regulatory framework of the Central Bank of the Russian Federation. Separate attention must be paid to the provisions about non-cash payment, and other regulatory documents. It is also necessary to work a contract between the client and the financial institution. It should be noted that there may be calculated cash maintenance of individuals and legal entities, and not just the latter.

Basic services RKO

After the contract was concluded, the organization should receive a checkbook. It will be needed to receive cash on wages to employees and the needs of the enterprise. There are basic and additional services. To the first:

1. Issuance of account statements where information about perfect operations will hold back.
2. Cashless payments.
3. Cash operations (for the designation can still be used by the phrase "Cash services").

Basic services are usually free, or the symbolic commission is taken for their execution. To carry out any of the listed operations, it is necessary to use the unified form. Pretty good income Bank receives for the provision of additional services. Some institutions have their own characteristics. Let's consider Sberbank as an example. In this financial institution provides for the possibility of opening an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

What laws and regulations act as a basis for relationships, we have already considered. But they regulate only in general and general. In addition to the legislative framework, it is additionally consisting of an agreement on RTO between a legal entity and the bank. There are no restrictions on the form of ownership for entry into such relationships. When all the formalities are settled and open, the company can dispose of its means to keep any activity that does not contradict the legislation. If this process is performed for the first time, then special attention should be paid to the conditions for the provision of the following:

1. Reception and cash issuance.
2. Ensuring the operational and uninterrupted movement of amounts.
3. The ability to conduct currency operations.

If you wish, you can connect other services if you wish, it depends on the desire and the need of the enterprise itself. If we talk about the interaction, then for these purposes, two methods are used, of which everyone chooses what it is convenient for:

1. Classical. It provides for the transfer of orders personally on paper or through the mediation of a trustee. Of the negative points, it should be noted the need to spend time on a trip to the Bank's office, so there is relatively few enterprises in this way.
2. Online banking. In this case, finance management is remotely carried out. Payment orders and requirements are transmitted through the Internet. Due to the speed, flexibility and ease of use, this method is widely used by most organizations.

How is the calculation?

When the bank receives an order from the company (no matter what method, the main thing is to be confirmed that the document sent an authorized person), then he fulfills him by agreement. For this purpose, the use of BESP is now considered to be a good tone rule. This abbreviation is decrypted as bank electronic urgent payments. Through BESP, the transfer of money takes minutes. Although the legislation should be held in three working days. This is done in case of sudden and unexpected events that are out of order. Although for such a rapid execution of the order can take an additional fee. And translations, even using BESP, will go just three working days. If the bank practices such schemes, it is necessary to think about whether to continue to be serviced in this financial institution. The benefit of worthy of competitors is enough. Take at least such structures as Alfa-Bank, Sberbank, VTB 24. Estimated cash maintenance of legal entities. If not satisfying the client - you can change the financial institution. Remember that we should vote for our wallets.

Acquiring

All enterprises that are on an RKO of a certain financial institution may, after signing a separate contract, make it possible to pay for goods without leaving the trading point. True, in such cases it is necessary not only to take care of the availability of all the necessary equipment, but also in time to carry out a fairly significant number of tests (first of all it relates to security). Similarly, it can be said about the receipt of payment by means of payment cards in the worldwide network. In such cases, the terminals replace special forms to fill out the buyer.

Cash operations

For this purpose, the previously mentioned amount mentioned with its help goes to finance the economic side of the enterprise's activities, to issue wages and calculated with suppliers. A corporate bank card has become a kind of analogue for the checkbook. When decomes, they open a special account, with the help of which the financial organization and conducts the register of all perfect operations, issues an extract with the amounts of revolutions and money balances. Consider an example of VTB. Estimated cash maintenance of legal entities in terms of salary for employees is carried out by transferring a certain amount of money to a bank card. But some people such an approach is not convenient because they are accustomed to being clients not VTB, but Sberbank. In this case, an accountant will be sent additionally to the bank, which will be there already using a checkbook to receive the necessary amounts. As we can see, positive shifts are present, but so far, certain obstacles often arise until fully automating the process of crediting money. If you have to move with a significant amount of money, then many large financial institutions offer the collection service. It is available after the current account has been signed and the appropriate additional contract.

Opening an account

This service can be both paid and free. It all depends on the policy of the bank. But this amount is not inload even for new enterprises - for such pleasure will have to pay a "total" a couple of thousand rubles. A few hundred hundred must be given for maintenance of the current account. Many financial institutions charge for use only in those months when there is at least one transaction. Certain deviations from these quantities may be in cases where it opens a non-ruble account, but currency. Abroad, respectively, other rates for these services, which fluctuate depending on the local specifics.

Interaction with the tax service

This information will be useful for those who only think about opening an account. The fact is that, according to the legislation of the Russian Federation, a legal entity when opening a current account should inform about this in the tax service not later than 5 days after the design was completed. If you do not have time on time, the penalty is imposed. In the absence of desire, it is possible to understand all the nuances in all the nuances, all the questions specializing in this firm can be entrusted. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

You can still tell a lot about how the cash-based cash service system is arranged, touched upon various nuances and aspects. In general, if an entrepreneur or manager will have at least a general idea of \u200b\u200bRTO, it will allow him to better understand the affairs of the company's subordinate, which is undoubtedly a significant plus.

The following loan varieties can be distinguished: consumer, agricultural, mortgage, state, international.

Consumer loan is provided in the form of commercial and banking. Commercial is the sale of goods with a delay of payment through retail stores. The objects of bank loans for consumer purposes are long-term goods. Banks can enter into agreements with shops selling on credit, paying money for goods at the same time, and loans are quenched by buyers of goods. The loan period is usually 2-3 years.

Consumer loan becomes an attribute of modern life. Due to the fact that the solvent supply of the population is limited, and the sale of goods requires acceleration, and the population and enterprises benefit from the implementation of future revenues. Interest on consumer loan is charged higher, which are paid from the incomes of the population and represent the secondary form of revenue redistribution.

Agricultural Credit It is the maintenance of basic and working capital in agriculture. Long-term lending is ensured by real estate, and lending due to a seasonal gap in income and expenses is usually completed after the exercise of the harvest.

Mortgage - long-term lending on the security of real estate: land, industrial and residential facilities.

State Credit This is a combination of credit relations in which one of the subjects is the state or local authorities in relation to citizens or legal entities. The main form of such a loan is the issuance of state loans. Gosplaes are the second after taxes the source of the state's income that it uses to implement its functions. The larger the amount of state loan, the greater the amount of percent on it. They are paid to pay tax arrivals and other state revenues. Recipients of interest on state prices are holders of state securities. The funds received by the state are used to regulate the economy, expanding the infrastructure, development and support of agriculture.

Credit relations exist between states in the form of capital export. An international loan is the movement of loan capital in the world market, being an integral part of international economic relations.

Household activities can use the following loan forms: bank, commercial, leasing, mortgage, blank, consortant.

Credits issued by banks are classified:

By timing of use:

• 1) short-term - up to 1 year;
• 2) medium-term - up to 3 years;
• 3) long-term - over 3 years.

Short-term loans are issued by banks in case of temporary financial difficulties in connection with the gap between the costs of production, circulation and flow of monetary revenue.

Medium-term loans may be issued for the payment of equipment, the implementation of current costs to finance capital investments.

Long-term loans are issued to form fixed assets and expansion of capacity.

The objects of lending are capital expenditures for reconstruction, modernization and expansion of already existing fundamental funds, for new construction, privatization.

Loans are divided:

By providing:

• 1) secured by deposit (property, property rights, securities);
• 2) guaranteed (banks, finance or third person property);
• 3) other security (guarantee, insurance);
• 4) Unsecured (blank).

According to the degree of risk:

• 1) standard loans;
• 2) Loans with increased risk.

By method of issuance:

• 1) in one-time - loans, the decision on the extradition of which is accepted by the bank separately for each loan on the basis of the application and other documents of the Client;
• 2) in accordance with the open credit line (credits, if necessary), are issued within the framework of a predefined loan limit, i.e. Lending borrower is carried out in accordance with the credit line. The loan is issued, as a rule by paying from the loan account of documents of the borrower (payment orders, checks) without coordination with the bank every time the conditions of the loan;
• 3) warranty (with a conditioned date of issue, for the need, with the charge of the Commission for the obligation) - there are two types:
  • - with a predetermined loan date;
  • - With the issuance of a loan as needed in it.

By maturity:

• 1) at the same time;
• 2) in installments;
• 3) ahead of schedule (at the request of the creditor or at the request of the borrower) with the payment regression;
• 4) after the end of the conditioned period (month, quarter).

According to the nature and method of payment of interest:

• 1) with a fixed interest rate - is characteristic of a stable economy, but may be issued for a short time and during the period of inflation;
• 2) Floating interest rate - are used to reduce the risk of inconstricing profits or avoid losses in the conditions of high rates of inflation and when issuing loans for a long time. In this case, in accordance with the loan agreement, the interest rates are periodically revised and, usually, are tied to the level of the accounting rate and the actually developing rates of inflation;
• 3) with the payment of interest as the borrowed funds are used (regular loans) - for most bank loans, interest is paid after a certain time after their issuance (usually - 1 time per month);
• 4) with the interest paid simultaneously with the receipt of borrowed funds (discount loan) - hold a loan percent when issuing a loan.

Leasing Credit- This is a relationship between legal entities that arise in the event of a lease of property and are accompanied by the conclusion of a lease agreement. Leasing is a form of property loan. The leasing object is different movable (machines, equipment, computing equipment) and immovable (houses, buildings, telecommunications) property.

Commercial Bank can issue blank credit (without collateral of property and other types of collateral) Only within its own funds using an increased rate of only reliable borrowers with proven authority.

Consortic Credit issued by bank consortium in such ways:

• - by accumulating resources in the specified bank;
• - by guaranteeing the total loan amount by the leading bank or group of banks;
• - by changing credit resource quotas guaranteed by banks by banks by attracting other banks to participate in a consortial operation.

In a commercial bank, there are various banking operations for legal entities. The specifics of the bank is determined by the features of its activities. The result of this activity is to create banking services.

Banking services must first be divided into specific and non-specific services. Specific services are all that follows from the specifics of the Bank's activities as a special enterprise. Specific services include three types of operations performed by them:

• 1) deposit operations;
• 2) credit operations;
• 3) Estimated operations.

To deposit operations Commercial banks include investment operations in deposits (passive deposit operations) or the placement of the commercial funds in deposits in other credit institutions (active deposit operations).

In accordance with Article 5 of the Federal Law of the Russian Federation "On Banks and Banking Activities", raising funds for legal entities in deposits (to demand and for a certain period) refers to banking operations, and in accordance with Article 13 of the same Law, banking operations are subject to licensing.

In Russian practice, deposits are called funds made to the Bank by customers for certain accounts and used by the Bank in accordance with the account regime and legislation. Legal entities are acting as subjects of deposit operations.

Deposits include the funds received by the Bank by entering into a bank account agreement (contract for settlement and cash services) and a bank deposit agreement (deposit contract for legal entities), as well as balances on correspondent accounts of other banks in this bank (Correspondent Loro accounts).

By time, the deposits are customary to divide into two groups:

• 1) demand deposits;
• 2) Urgent deposits.

Deposits to demand Include funds on current, settlement, budgetary and other accounts related to making calculations or targeted use, funds for correspondent accounts of other banks (LORO). Due to the frequency of operations according to the accounts, operating expenses are usually higher than on term deposits, but since on these accounts banks, as a rule, pay low interest, or do not pay interest at all (then customers can be provided with various kinds of benefits), these resources for the bank relatively cheap. At the same time, this is the least stable part of resources, banks need to have a higher operational reserve for them to maintain liquidity. Therefore, the proportion of such funds in the bank resources is considered optimal to 30-36%. In Russia, the proportion of these funds is usually higher.

Urgent deposits - This is the funds made to the Bank to the term fixed in the contract. On them, owners are usually paid a higher percentage than on demand deposits and, as a rule, there are restrictions on early seizure, and in some cases - and to replenish the contribution.

Urgent deposits are divided into deposits with a period:

• 1) up to 30 days;
• 2) from 31 to 90 days;
• 3) from 91 to 180 days;
• 4) from 181 days to 1 year;
• 5) from 1 year to 3 years;
• 6) Over 3 years.

In accordance with the Civil Code of the Russian Federation, legal entities are not entitled to list the funds on deposits to other persons or take cash from them. Means from a deposit account can be directed only to the current account. Urgent deposits are issued by the Banking Deposit Treaty, as well as bank deposit certificates.

Credit operation is the main operation of the bank. It is not by chance that the bank is sometimes called a major credit institution. And this is true: in the total amount of bank assets, the main proportion of credit operations. Most often, due to lending to customers, the bank receives a majority of income.

Credit operations - This is a relationship between the lender and the debtor (borrower) about the provision (obtaining) in the temporary use of funds, on the terms of repayment, urgency, payability and security.

To provide a loan, legal entities to the Bank provide the following documents:

• - credit application;
• - feasibility study;
• - application for a loan;
• - financial report;
• - report on the movement of cash receipts;
• - internal financial reports;
• - internal managerial reports;
• - forecast of financing;
• - Tax Declarations;
• - business plans;
• - urgent obligations;
• - a pledge agreement (warranty letters, insurance policies);
• - Information about the laid property.

The documents drawn up by the Bank include:

• - conclusion on the client's credit application;
• - the statement by the client's conditions of the contract, including repayment of the loan and paying interest;
• - Credit case of the client.

A special place among the credit documents belongs to the loan agreement regulating the entire relationship between the Bank's relationship with the client. As a legal document, the loan agreement must comply with highly stringent requirements for the design, structure, clarity of the wording. An important condition for the loan agreement is the condition of the term. The loan agreement lies for a certain period, the beginning of the reference of which should be considered the moment of concluding a contract (if otherwise indicated in the contract). The end of the term of the loan agreement in accordance with Part 2 of paragraph 3 of Art. 425 GK is the moment of execution by the Parties of its obligations under the contract.

The calculated operations that the bank produces is carried out in non-cash form. On behalf of customers, banks can open various accounts from which payments are made related to the purchase or sale of commodity values, payroll, transfer taxes, fees and other equally important payments. When calculating the bank acts as a mediator between sellers and buyers, between enterprises, tax authorities, the population, budget. In the production of calculations, the banks use various modern equipment, providing rapid bonds and technical processing of documentation entering the bank.

The following documents are submitted to open a settlement account to the bank:

• - application for opening an account on the established form;
• - a certificate, the powers of officials who are granted the right to dispose, the current account (head of the enterprise, chief accountant, head of the financial department);
• - Card with sample signatures of these people and print printing of the enterprise or organization;
• - a copy of the document of the authority confirming the legality of the creation and registration of this legal entity, and a copy of the approved charter (provisions).

The experience of integrated customer service is gradually introduced by domestic commercial banks, which begin to perform new services (trust, leasing, factoring, and other), satisfying increasingly complex customer needs. This approach increases their competitiveness in attracting credit resources and new customers.

Trust or trust Performed by the Bank on behalf of and due to the Party (principal), on a reimbursable basis, if it is provided for by the current legislation or is established in the contract of instructions on the harmonization of the parties. Their essence is to transfer to customers to banks of their property for the subsequent investment of these funds on behalf of their owners and on their instructions in various financial markets in order to receive profits for customers with which banks charge a certain fee in the form of a bank commission. Trusting operations clearly reflect the essence of banking activities in general - its passive-active nature, which consists in attracting funds and their subsequent placement in order to profit.

Factoring It is a type of chamber of commerce, combined with the creditative of the customer's working capital. The basis of the factoring operation is the purchase of a bank (or factoring firm) of the Supplier's invoice for shipped products under the terms of immediate payment and transfer by the supplier to the bank (or factoring firm) the right of payment of payment from the debtor. Banks buy supplier's invoices, as a rule, on the terms of the immediate payment of 80 percent of the invoice cost. The remaining 20 percent are paid by the Bank (minus interest for credit and commission for services) after receiving the payment from the debtor or regardless of the receipt of payment from the debtor.

In world banking practice there are two types of factoring:

• - open factoring (conventional);
• - Confidential factoring (hidden).

The use of factoring allows you to accelerate the payment by the supplier from your counterparties, guarantees bills of accounts, reduces the costs of accounting for invoices from the supplier, ensures the timeliness of payments to suppliers with financial difficulties in the buyer, improves the financial indicators of the supplier.

Leasing operations of the bank - long-term rental of cars, equipment, vehicles, industrial facilities. Depending on the term distinguish the following types of rental:

• - rating (short-term rent) - a period of 1 day to 1 year;
• - Hiring (medium-term lease) - a period of 1 year to 3 years;
• - Leasing (long-term rent) - a period of 3 years to 20 years and more.

When conducting a leasing operation, there are a number of risks: the risk of imposing arrest on property; seizures in budget income; The risk of poor maintenance of equipment or property; the risk of disadvantageous resale property in the used goods market; Cash spending and time spent on the refund and transfer of property. Therefore, the participants of the transaction are usually insured against any similar risks. At the same time, various methods of overcoming the risks of non-return are used, including the insurance of residual value, the obligations of the tenant for the sale of property and others.

Other (additional) bank services. The main directions of the consulting activities of banks may be the following:

• - carrying out marketing research market research on the customer's order;
• - Information and reference services: provision of copies of documents (calculated and other), identifying customer amounts, assistance in wanted amounts, guided references in the bank archive and other;
• - consulting and legal services, including on the application of economic legislation, credit and settlement relations, organization and maintenance of accounting and financial and economic work at the enterprise;
• - Customer service services (preliminary preparation and delivery of cash to customers for payroll and other payments);
• - Other services and operations not prohibited by legislation to carry out banks there are no restrictions on banking legislation.

In conclusion, I would like to note that banks seek to provide as much as possible spectrum of banking services at the client's acceptable conditions to meet their needs.

What functions do a loan in the process of public reproduction?

First of all, the loan performs a redistribution function. With the help of a loan, free cash and income of enterprises, individuals, states are collected and turned into loan capital. In the process of lending, the loan capital is redistributed between the sectors of the economy, seeking primarily where a large rate of profit is produced or in the industry that corresponds to the interests of the state. With the help of a loan, the overflow of capital is carried out from the less profitable industries in more profitable, thereby contributing to the leveling of industry standards of arrived in the middle. Thus, regulation of the proportions of social production and the direction of loan capital in the industry corresponding to the interests of society and the state is carried out.

An important function of the loan is to save costs. Credit changes the structure of money supply, payment turnover, as well as the speed of money circulation.

Together with the loan, credit money appeared. In the first millennium BC. Debt liabilities arose, from the XII century AD - notes, from the XVI century - checks. The loan contributed to the fact that full-fledged money was replaced by banknotes, bills, checks, thus proving gold from circulation.

Currently, the loan saves the costs of circulation by developing a variety of ways to use bank accounts and deposits: deposit certificates, credit cards, specialized accounts. This leads to an increasing replacement of cash with cashless turnover and, thus, to accelerate the flow of money. Calculation time savings leads to an increase in its productive use, the growth of production and increase in the final mass of profits.

The next function of the loan is to accelerate the concentration and centralization of capital. In the process of using a loan, a faster increase in total profits. As a powerful economic increase in capital increases, the scale of production, which is in service in the whole society and under the control of the state, the loan contributes to the creation of new companies, societies, corporations by merging and attaching capital.

Through the implementation of interconnected functions, the loan plays a crucial role in the economic development of the country. It contributes to the development of the productive forces and an increase in scientific and technological progress, accelerating capital turnover, reduce costs and growth of profits. With the help of a loan, the process of expanded public reproduction is accelerated. The loan creates a favorable ground for the development of international relations, the development of specialization and cooperation of countries and regions.

Due to the role that credit plays, it is used by the state as a means of regulating the economy. The state interferes with the lending mechanism. In the interests of individual industries, the access of borrowers to the loan capital market is facilitated, facilitated or finding loans. With the help of government guarantees and interest rate percentage rate ensures preferential lending to industries and enterprises whose activities are responsible to national economic programs.

The cyclic nature of production determines the movement of the loan and its distribution by industry. With the help of credit regulation, the state weakens economic crises, restrains inflation. In order to revitalize demand, the state stimulates investment, housing construction, the sale of long-term goods in installments and export products. During the economic lift, credit restriction is applied (credit limit) to curb the economy from "overheating".

And, on the contrary, with an economic decline, a credit expansion is carried out (extending a loan) to raise the demand and raising of the economy. However, credit expansion enhances inflation processes, and credit constraints contain economic growth. Therefore, conducting a particular policy entails large macroeconomic consequences and requires the state of economic wisdom.

Greetings, friends! Remember when was the last time you calculated in the cash shop? I am sure that most of you use cache for small purchases, paying most of their acquisitions through non-cash payments. And if ordinary individuals actively use the possibilities of settlement accounts, which can be said about enterprises. Today, the calculating cash maintenance of legal entities has become literally an integral business component, both small and large. It is unlikely that someone will argue with the fact that the bank's account is to trust the bank - the decision is extremely responsible and requiring maximum seriousness. In fact, all the cost of the company, the safety of cash flows and, as a result, its profitability is in the hands of the bank. In this article, I would like to highlight the topic of RKO in more detail, tell you what is the service, and in which bank it looks the most favorable tariffs.

What is RKO and how does it work?

So, I suggest the first thing to find out what the current account is, and then proceed to the main topic of the review. The current account is a JUR account. Persons with independent balance in a banking institution, which is intended for saving money, carrying out non-cash operations with other legal or individuals.

Based on this definition, we can disclose the essence of the calculation and cash maintenance. RKO is banking services systemWith the help of which the accounts of individuals and legal entities are served, all monetary operations are carried out in any currencies.

To enjoy this kind of opportunities, potential customers need to be sent to the bank a specific package of documents and conclude with it treaty. Legal aspects of RTO are enshrined in the law " About banks and banking activities", And also are determined by the regulatory and legal acts of the Central Bank of the Russian Federation.

Checking account - This is an account yur. Self-Balance Persons In a banking institution, which is intended for money saving, the implementation of non-cash operations with other legal or individuals

Today, almost any organization does not cost anything. In addition, the need for non-cash monetary turnover arises from individuals. It is for this reason that no cashless operation is not carried out without cash service, they are not being taken and they are not going to cash at the expense of cash, no accounts are underway in currency and disclaimers are not issued on the execution of transactions on settlement accounts.

RKO for legal entities in credit institutions implies all Operations on settlement accounts. This includes accrual of wages, and paying pensions, and scholarships, and other similar payments. It is worth noting that transactions can be carried out both in rubles and in foreign currency.

Services of services

If we talk about the fundamental services of this sphere, they can be reduced to a single classification:

• non-cash calculations;
• cash calculations;
• registration of bank statements on accounts.

Carrying out work with accounts and cash operations, banking organizations use special forms:

• money orders (If we are talking about the current accounts for payment) or, as they are also called, " forms 0401060»;
• cash enrollment forms on bank accounts;
• chek.which are issued at the time removal tools in the form of cash from the account.

The signing of the Cash Service Treaty means that the firm has the right to receive checking book. It is one of the main tools for cashing funds that are necessary to pay for the company's personnel and its other needs.

In order to improve settlement and cash services, many banks offer their customers to use the system " Bank-client." Its specificity is that in addition to the basic service package, customers also receive additional options It seems to collection or remote access to the settlement accounts.

However, here you need to be prepared for the fact that if the main service unit of the Bank provides free or completely for the minimum fee, then for the associated options will have to pay. In general, there is nothing surprising in this, because, how not to twist, but the bank is a commercial organization.

fROM RKO and use 2 months for free

What is RKO?

In accordance with the settlement and cash service treaty, the Bank provides clients with such a list of services:

• operational and uninterrupted flow of funds;
• holding currency transactions;
• reception and issuance cash funds.

To successfully implement the above tasks, banks use special financial instruments. Of course, the main account is the current account, after the opening of which it will be possible to access other products of the bank associated with the appeal of finances. These include such:

Non-cash operations

This is the operational execution of client instructions, and regularly informing about the acquisition and expenditure operations, and the issuance of bank statements. To manage the client's finances, banks can choose a certain package of services, which will include basic and additional operations.

Companies can interact with credit institutions in two ways:

• ClassicBy passing orders in paper from hand to hand either through proxies. However, in this case you will have to spend time traveling to the bank office;
• Online. Using Internet banking for finance management, all payment requirements and orders can be performed remotely. Such interaction prefers the predominant majority of companies.

RCO tariffs can differ significantly depending on which services will be ordered.

Currency operations

If organizations need to carry out their activities not only in national currency, it needs to be discovered also a currency account, or rather three accounts at once:

• current (To dispose of the currency existing legal entity);
• transit (To keep records of the incoming revenue);
• an account on which the entire currency bought within the domestic market will be taken into account.

The package of cash accounting services for currency accounts includes:

• purchase / sale of a currency based on the company's instructions;
• sale of currency revenue in the amount established by law;
• conversion operations;
• receiving payments or sending them to export-imported client transactions.

Equiphering and Internet acquiring

For a start, I suggest find out what accuming for an entrepreneur in principle. Imagine the situation that your company is located on RKO in some credit organization. This means that you can use bank card reception service to charge payment for goods in your trading point - by acquiring. Financial organizations that implement this kind of activity are called the Equile Banks. I want to draw your attention to the fact that they not only carry out the installation of the appropriate equipment in stores, but also engage in the organization of events for the use of maps.

Analogue of this service is to receive payment through cards on the Internet. In this case, the terminal for reading information is a special form filled by the buyer. This type of activity is referred to as Internet acquiring.

Cash operations

After the conclusion of the Agreement on the RTO, an enterprise can issue a bank in a bank who will deal with service, a checkbook. An alternative, more modern version of this payment tool can be considered a corporate bank card. This plastic design is accompanied by a map binding to your account, on which a credit institution will register all payment transactions, issue extracts on the turnover and the residue, keep accounting money at the current account.

Collection

The service is recommended to order all enterprises that regularly contribute or receive large amounts of funds. The Bank will ensure the collection and transportation of cash or any other values \u200b\u200bbetween organizations, thereby ensuring their safety and safety.

Internet banking or mobile banking for legal entities

I will immediately say that such services provide only the most advanced banks, and therefore do not be surprised if your credit institution cannot provide you with remote access to your current account.

What to pay attention to first?

The choice of a bank for RKO is not easy task. To make it easier to ease it, I suggest you navigate when choosing for such moments:

Bank reliability

Immediately I tell you that it is not worth considering the top 30 of the best state banks. Yes, they are really reliable due to a large number of assets and cash revolutions within these banks. However, they are intense, not flexiblely flexible in the question of document management and solving non-standard tasks. In addition, as a bonus from interaction with these banks, we also get a superfrequency department of financial monitoring and currency control. Considering what to freeze our payments in a flat place and demand a huge list of documents to confirm one or another translation - this is the usual problem for them, problems in moments when payments need to be done quickly, we just do not avoid.

It is best to give preference to commercial banks with a flexible system and customer orientation. Of course, you should not attach my money to some Sharashkin to the office, the bank must have a license of the Central Bank of the Russian Federation, but at the same time not to strain customers inadequately obsessive controls, help solve complex and non-standard problems, consolidating for you truly competent Manager. Ideally, if the bank also organizes the reception of most documents online via the Internet or a mobile bank attached to your RTO.

Consider the top 30 of the best state banks should not be better to give preference to commercial

Subscription fee

The amount of payment for accounting in the Russian market varies within 500-3000 rubles. It all depends on which package of services is included in this tariff. For example, the presence of 100 free payments per month, reduced commissions or a certain limit without commissions for transfers of funds to the personalities of individuals (simple debit cards), the preparation of tax reporting and such events. It will be more profitable to cooperate with the bank, which for fewer money will offer you the greatest number of similar buns that can save your time, money and nerves.

The cost of the payment order

Varies within 15-40 rubles for one payment order. The average market value is 23 rubles. In addition, many banks offer their customers a payment transfer service out of turn. Imagine that the billing day in your bank ends at 8 pm local time. This means that all payments on accounts will be held strictly until the specified time, and the closer the clock arrow will approach the mark "8", the less we will have a chance that the payment will have time to spend before the end of the day. However, for 300 rubles (the tariff may differ) we can advance in line and ensure the transfer of payment for today, throwing other customers for tomorrow. This function works in banks that spend most of the operations manually.

Suppose your director leaves to an unscheduled business trip, and it is needed for a daily or business trip right today. Obviously, money is needed to 9 pm. In this situation, an option with an increased priority will be very powerful and will exclude the need to transfer to the personal bank card of the employee.

Commission for removal in the checkout or on a check

Pay attention to the Commission's size: from what amount it depends and under what volumes it decreases or increases. The percentage of commission in the RTO market varies in the range of 0.5-1.5%. There are options and 4-8% of the amount of removal, but these are already cashing circuits. In this case, it all depends on the bank with whom you want to work, and on how much you need.

The severity of financial monitoring

Very important indicator. Financial monitoring is in every bank. You should be interested in, in which of them can close the eyes into partly gray schemes of the work of Jurlitsa. Even if you work extremely honestly, pay all taxes, I insist that you discover accounts in top commercial banks. No matter how it was, but the giants banks never refuse to ruble documents in a flat place. So need find the Gold Mid of the Bank's reliability and its adequacy For financial operations of customers. I do not advise you to open accounts in little-known or financially unstable banks. Such organizations give green light to almost all types of activity and master everything that is moving. Such Robin Hoods live no more than 2-3 years until their "shop" does not decide to cover up the Central Bank. Unfortunately, no one guarantees that your working capital will ever return to your company's accounts after the closure of such a bank.

Accrual for money balance on account

Many banks now offer a service similar to accrual interest on debit card balance. For example, on your current account lies the amount of 2,000,000 rubles. This money is simply dusting on the balance sheet, because in the next 1-5 days no movements are foreseen. This money can be put on internal cumulative accountwhere they will additionally be accrued 6-9% per annum. This will allow scrolling interest and give money the opportunity to work a bit for the benefit of the company, and not just lie on the account of the dead cargo. Often there are situations where you need to pay with suppliers in a week, and the required amount lies in the account now. Agree, it will not be stupid not to take advantage of money during this downtime.

Terms of work of operationalists and processing payments

This time for which payments for settlement accounts are held. in manual mode. In different banks, timelines may differ and vary within 9-20 hours per day. Modern banks offer payments in many positions in automatic mode. The steeper the bank, the greater the operations it automates, leaving for handmade only the check of large sums and foreign operations in the currency.

Internet bank

As in any form of personal accounts, here the main thing is convenience and time saving. Internet banking allows you to create templates of payments, conduct operations document work: sent / signed or waiting for shipments, in processing, made and so on; Mark reports and statistics on perfect operations and amounts. By the way, the Tinkoff banks recommended by me and the point have in their arsenal yet mobile jars for legal entitiesThat allows you to carry out all operations on a settling account directly from the phone. The most important thing in this case is don't forget about information security. Easily convenience, but if you lose or forget your phone, just imagine how many problems you can earn, and how much money is lost. In order not to give fraudsters to get your mobile application RKO, use passwords and reliable blocking. Talk to your manager and find out what regulations enjoy in such situations.

Card binding conditions

Many banks offer to bind a "business card" to RKO. Here you should pay attention to the annual subscription fee, the availability of a network of ATMs (% for cash withdrawal and monthly removal limits). If it is more profitable to remove funds on the check in the checkout, then why not save your time and do not use the services of an ATM?

Technical support of the bank and consolidate the manager for you

This moment is not so important, but still helps a lot when questions arise, the answers to which in open sources are not found. Wonderful if a person with an internal number or a working mobile phone is enshrined, which you will know who you are and what is your work system. This will solve the problem of the endless repetition of the same things on the hotline of the bank with permanent expectations. Agree, it is often necessary to feel a parrot when, explaining the problem to the operator, it turns out that this problem is unknown to him, and he is forced to reassign her decision to another specialist. To avoid such an unpleasant communication, you ask if you open an account, can you get the contacts of your manager, and then call him to meet and check if you gave you a room.

Question: What documents are needed for RKO?

To open a bill account in a bank for IPYou will need to provide a credit institution next package of documents:

• passport;
• an identification number;
• registration number of an individual entrepreneur.

But to legal entities with status LLC, JSC, PAO And the like, the package will be needed. From them a credit organization requires:

• registration number;
• an identification number;
• Company Charter;
• Order on the appointment of the director of the enterprise;
• other constituent documents of legal parties.

More detailed step-by-step instructions, how to open a bank account in a bank, you will find in my separate article.

What banks give the most favorable conditions on RKO

Remember how we chose a bank in which you can make profitable? Then we went over with you a lot of credit institutions and revised several dozen plastic cards before you could find the most suitable option for ourselves. In the case of RKO, it is even more complicated. It's not so easy to find a bank that can be entirely entrusted with your money and allow the company's current account. The choice should be based on many factors. I suggest you to consider the proposals of the two largest banks of the country and decide which of them is closest to you.

TKS.

Tinkoff, in addition to the SMS warning system, business lending, Internet acquiring and other things, offers integers two months of free account maintenance and payments. You can cooperate with the bank remotely through your personal account in the application. The program can be downloaded for mobile or tablet, you can work with the bank through the browser. In addition, the Bank saves the time to pass the tax reporting, because it is independently dealing with taxes, fixed contributions and automatically calculates all payments, forms payment orders and reminds of the need to list them. All that is required from you is to sign the Declaration and send it from your personal account.

You can choose one of three tariffs for your business:

• « Plain 490 rubles per month. The first three payments can be performed completely free, and each subsequent will cost 49 rubles. For account replenishment, 299 rubles will need to be given;
• « Advanced", The value of which is 990 rubles per month. With the framework of this tariff, you can spend 10 payments, and all subsequent will cost 29 rubles. Unlimited payments will cost customers at 990 rubles per month. But for the replenishment of the account, you will have to pay a commission in the amount of 99 rubles, if the invoice will be replenished in the amount of up to 100 thousand rubles, or 749 rubles, if we are talking about the amount within 100-300 thousand;
• « Professional", Cost 4990 rubles. Each payment costs 19 rubles here, and the acquisition of the package of unlimited payments will cost in 1990 rubles per month. Account replenishment is exactly the same as in the case of " Advanced"Tariff.

Trust RTO Bank TKS

Point

Bank " Point", Which is a branch of the system-forming bank" Opening"It proposes to transfer the entire opening process in online. Immediately after submitting an application for the entrepreneur, the account number is enshrined, which can be safely indicated in the treaties and transfer it to its counterparties. The bank independently notifies the tax on the opening of the account and informs the Client's partners about the change of details. You can connect to the current account overdraftTo progress yourself in the case of a cash rupture, accumulated receivables or with increasing turnover. In addition, you can use currency control services, acquiring, collection and other credit and insurance services.

Bank Offers tariffs for Th three categories:

• « Losost.»With monthly payment in 7 50 rubles. Such a tariff plan allows you to perform 5 free payments per month, take up to 100 thousand rubles without a commission in any ATM. By the way, the ability to cash out tools automatically solves the problem, how to remove money from the current account;
• « Economy»Cost 1900 rubles per month - this accrual of 7% for the balance of funds at the current account (for those who do not know how to calculate interest, I advise you to read my article ""), 100 free payments per month, the possibility of removing 200 thousand rubles from the account;
• « Business" per 7500 rubles per month - 7% per annum on the balance of funds, 500 free payments and as many as 300 thousand rubles, which can be credited in any ATM with a 0% commission.

Start collaboration with a point

Summary

Well, summarize? I am confident that after reading this article, you all came to one, with a single conclusion - no businesswoman can exist without settlement and cash services today. The advantages of this service are obvious, because the possibility of carrying out non-cash payments helps us make your life easier, more convenient and more mobile. Even despite the fact that RKO implies additional costs, such a service saves timeSince all operations on a settling account can be carried out through a smartphone with Internet access.

I sincerely hope that after reading this review, you discard all doubts about paying or not to pay for RKO, and start saving your strength and time, delegating part of the work of the bank. I have everything on it. As I always ask you to share your impressions from RKO in the comments, tell what banks you order service and why. For now, I say goodbye to fast meetings!

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