Dongosolo la nkhani kubanki. zigawo zikuluzikulu ndi mbali

Dongosolo la nkhani banki - ndi wowerengedwa mndandanda wa zolemba ndi mlandu, ndipo malinga ndi udindo nambala 385-P anasonyeza ntchito zosiyanasiyana.

Udindo nambala 385-P alowa m'malo udindo nambala 302-P ndi chomveka kwa January 1, 2013. Onse mabungwe ngongole ku Russia ayenera kusunga malipoti ake mlandu malinga ndi chikalatachi.

Malinga ndi tanthauzo ambiri a kubanki ndi bungwe wambirimbiri ndalama pa gawo, madipoziti chimawapangitsa kufala wotsatira wa anthu thupi ndi malamulo mu mawonekedwe a Kuyamikira kwa ndalama ndi kubwerera maziko. Popeza mabanki ayenera kusunga malipoti mwatsatanetsatane nkhani imene - kwa nthawi yayitali bwanji ndiponso amene analandira ndalama, komanso - kwa nthawi yayitali bwanji ndi amene ali inakhazikitsa, ndi banki tchati nkhani amasiyana ndi gulu wamba dongosolo kudzera ambiri maudindo. Dongosolo la nkhani banki munali pafupifupi nthawi 18-20 kwambiri nkhani.

Dongosolo la nkhani malonda banki monga nkhani ya 2 ndi 1st kuti, kumene yotsirizira tichipeza manambala atatu ndipo amasonyeza nkhani aggregated mlandu. A kuti chachiwiri zigwirizana kuwerenga ngongole kuti 1st ndi Kuwonjezera ndondomeko magetsi. Iwo anagwira mwatsatanetsatane kupanga mlandu wotuluka.

Dongosolo la nkhani banki zikuphatikizapo zigawo zingapo chachikulu:

• Gawo 1 anadzipereka nkhani likulu. Apa zinalembedwa ndalama kunditumiza ku banki oyambitsa ake, malo ndalama, anapitiriza zasungidwa, gawo umafunika, imfa lamaliseche. Nkhani akhoza kukhala mwina yogwira (banki ayenera ndalama kapena ali chake) ndipo chabe (banki ali ndi udindo m'gulu kapena munthu aliyense).
• Unit 2, pamene zitsulo zamtengo wapatali analembedwa, ndalama. Mu nkhani ndi kuonetsa ambiri yogwira kupeza ndalama ndiponso zitsulo zamtengo wapatali makamaka mankhwala sitepe (m'maofesi, ATMs, mu njira zitsulo zamtengo wapatali - m'njira makobidi, nkhani yapadera neri Al.). nkhani chabe atsegulidwa makasitomala akugwira zitsulo zamtengo wapatali kubanki.
• Gawo 3, chifukwa cha malipiro interbank. A gawo lalikulu kuwalitsa mgwirizano uliwonse pakati pa mabungwe ngongole, kuphatikizapo magombe sanali wokhala ndi Bank ku Central la Chitaganya cha Russia.
• Gawo 4, kusonyeza wotuluka ndi makasitomala. Pamafunikanso ntchito kusinkhasinkha ndi makasitomala, kuphatikizapo kuwerengera ndalama mu nkhanizi, mbiri madipoziti, ndalama abwereka, ngongole ndi placements zina, ngongole overdue, ntchito kubwereketsa ndi ena.
• Chigawo 5 cholinga kusonyeza zolemba kwa wotuluka ndi zida otumphukira chuma, sheya. Apa zinalembedwa kuchuluka kwa ndalama mabanki awo 'm'matangadza, mgwirizano, ngongole za mabungwe ena, ndi gulu la chuma ndalama ku mabungwe mabungwe ngongole, makampani, komanso Kugawilidwa kwanthaka wa ndalama ku masheya a makampani akunja ndi mabungwe. Chifukwa ambiri yogwira. Komanso, pali zalembedwa sheya kupelekedwa ndi banki (ngongole kubanki).
• Gawo 6 chifukwa cha ndalama zosiyanasiyana ndi chuma. Mu ndalama olembedwa anzake ndi bulanchi a bungwe ngongole, mu magawo a makampani osiyanasiyana, atathana chuma ndi dziko, midzi ndi amangawa ndi angongole (sapulaya, kampani, ndodo ndi ena.).
• Chigawo 7, kumene zotsatira za ntchito zikugwirizananso. Nazi nkhani cholinga kuonetsa ndalama ndi chuma zotsatira, ndalama, msonkho ndalama ndi ena.

dongosolo A nkhani za banki zikuphatikizapo mutu "B" kumene ntchito popanda anasonyeza umasamutsidwa ku kasamalidwe kukhulupirira pa chuma, mutu wa "B" (kuchoka-bwino nkhani pepala) ofunika kusonyeza makhalidwe amene alibe ubale mwachindunji kuti katundu wa banki, kuphatikizapo: letterheads wa masheya (chilungamo ndi wachitatu chipani issuers), wotuluka ndi mfundo ndalama (macheke kwa deta, ndalama, anavomera kufufuza, etc ..), patsogolo wotuluka, yobwereka, kubwereketsa, opangidwa kuchokera ndi ena. ndi mutu wa "D" (nkhani zofikira) de A anazindikira wotuluka sheya mawu kachulukidwe.