Malipiro Non-ndalama - izo ... bungwe la malipiro cashless mu bungwe. Mitundu ya zikalata malipiro

Cashless malipiro - ndi mophiphiritsa, zotengera za chuma. Iwo amapangidwa ndi kupanga ndalama kudzera nkhani banki ndipo motsatira Civil Code (Chap. 45 ndi 46), lamulo pa mawerengedwe a si ndalama chikhalidwe cha Bank Central, Russia chiwerengero chiwerengero 2-P kuchokera 12.04.2001, ndalama ndi kunditumiza ku nkhani banki samalipira ku nkhani banki ya wogulitsa (wolandira).

Kutembenuka kwa malipiro si ndalama mu malipiro waukulu chida limasonyeza enaake a vuto la zachuma. M'maiko otukuka la zolowa ndalama ndi za 5% ya okwana ndalama zolowa. malipiro Cashless kulola banki chapakati kulamulira ndalama zolowa la Chitaganya cha Russia. Ndi thandizo lawo inapita patsogolo kwambiri kufalitsidwa ndalama, anapanga mongoyembekezera ufulu ndalama, ndi thandizo lawo dongosolo banki imatithandiza ake kukongoza. Komanso chifukwa cha mathamangitsidwe wa kufalitsidwa ndalama (ndi tuna ndi "unyolo" wa Marx 'Katundu-Ndalama Katundu "), inapita ndipo makope nkhani boma.

Yodziyimira payokha Kapangidwe ka kufalitsidwa ndalama

Monga mukudziwa, kuyambira 1992, ndalama si ndalama Russia ndi kusanthula ndi kutumikiridwa ndi thandizo la Bank of Russia kutenga nkhani ya aggregates ndalama zimene mitundu magulu osiyana osiyana ndalama. Kodi nkhani zachuma, mukhoza kuona Chithunzi 1.

Chiwembu 1. yodziyimira payokha dongosolo ndalama

Unit M _0, malinga ndi chiphunzitso chakale, integrates ndalama, ndalama nkhani khadi, zamagetsi ndalama ndi macheke, mwachitsanzo - .. The chuma koposa madzi. Chuma kuti zikukangalika ntchito anthu thupi. Chilinganizo, ndi chomwe watsimikiza, chiri motere: M0 = C + macheke (1).

Lowonjezera khalidwe wagawo M ₁ wachibale M0 kukuonetsedwa chilinganizo 2: M ₁ = M ₀ + ndalama nkhani panopa ndi ziliri pa magombe (2).

Limeneli liyenera komanso amasonyeza ntchito malonda a mabungwe alamulo, kuika ndalama pa nkhani zatsopano komanso kuthetsa ndi kuwagwiritsa ntchito.

Unit M _2, nayenso, ndi womuyenerera kwa makina M _1. Pamafunikanso ndalama mwamsanga khalidwe, T. E. The gawo ndalama kwa masheya ndi madipoziti. Choncho, ndi ngongole yaitali dongosolo kubanki.

Mu ndalama - malipiro waukulu chida

Pakuti zitsanzo chakale cha malipiro ndalama akaphatikiza si ndalama - izo limaphatikiza M _{1 ndi} M _2.

Komanso, mogwirizana ndi mawu a wachiwiri kwa wapampando Choyamba wa Bank chapakati Georgiya Ivanovicha Luntovskogo, panopa waukulu malipiro chida Russia adakali ndalama. Komabe, ntchito yawo m2 akaphatikiza utachepa kuchoka 35,2% mu 2005 kuti 23,8% (deta pakuti chimaliziro cha 2012.)

Gulu la zolowa awo - zodula: amafuna wapadera Polipilira zida, zosonkhanitsira dongosolo, etc. Pa nthawi yomweyo, mayiko Western udindo uwu ankaimba makamaka ndalama si ndalama ... Cash kuchepetsa mlingo wa zolowa ndalama - mmodzi wa zinthu za chuma zazikulu.

Limagwirira nkhani Mtolankhani

Cashless malipiro - ndi imodzi mwa ntchito za banki. Kukhazikitsa ndi pang'ono kutsegula banki nkhani odziimira paokha bizinesi komanso apano - Ndalama ku mabungwe bajeti. Monga limagwirira a banki nkhani mtolankhani. Kodi dongosolo ntchito?

Tikuimira vuto lililonse: kampani A akugula malonda a kampani ndipo B amalipira ake si ndalama. Kodi mwayi? Mothandizidwa ndi midzi mwagwirizana pakati pa gombe wogula ndi (B-A) ndi banki ya wogulitsa (B-B), mwachitsanzo. E. mabungwe Financial, pamene ife tikulingalira kampani anatsegula nkhani wawo. Mwachionekere, banki wogula ali kusamutsa nkhani yake zogwirizana ndalama si ndalama ku banki wogulitsa ku nkhani yake. Kuti zimenezi zitheke, magombe awiri kutsegula akaunti mtolankhani ku Bank ku Central la Russia (CBR): wapolisi. Choncho, ndalama si ndalama - ndi ntchito ndalama mtsinje wa makasitomala ntchito kupyolera nkhani mtolankhani. Tiyeni tionenso mkhalidwe wathu, onse BA ndi nkhani mtolankhani wa banki, ndi banki lotseguka BB bungwe mofanana - Bank ku Central (ankalemekeza: wapolisi ndi wapolisi-BA-BB).

Kodi dongosolo la ndalama cashless, bungwe ndi Bank ku Central? Mu masiteji atatu.

• Choyamba. Chilli A anasamutsidwa ndalama kuchuluka kwa wotuluka akaunti yanu panopa ndi nkhani mtolankhani wa B-A, nawuza kulipira counterparty ake B.
• Chachiwiri. Malipiro chikalata ogwira Ndipo banki wake BA akulangiza banki chapakati kulemba pa kuchuluka lolingana pa nkhani mtolankhani wa wapolisi-BA pa nkhani mtolankhani banki Mulungu, utumiki wogulitsa wapolisi-BB.
• Chachitatu. Bank B, kutsatira revenues chifukwa chake mtolankhani CS-B, amene anabwera muzindikire kuchuluka kwa malipiro ndi adiresi ya kasitomala B wake, ndi anasamutsidwa kuti afufuze nkhani yake. Chotero malipiro si ndalama ndi maziko ndalama zolowa chuma.

Nkhani mtolankhani banki ali ndi awiri kapangidwe - Link (NOSTRO lidatseguka CB) ndi chamkati (LORO - mkati offsetting nkhani). sikelo nkhaniyi pa nkhani mkati ndi NOSTRO offsetting specularly kusonyeza wina ndi mzake. zonse kufufuzidwa ndi mnzake kuonetsetsa kuti mbali zonse za nkhani chogwirizana.

Pamudzi ndi malamulo malipiro

Nthawi zambiri, ndalama si ndalama ali kuyamba ndi bungwe-samalipira. Iye amapita ku banki, kutumikira nkhani yake Pamudzi ndi pempho chikalata - kusamutsa kwa nkhaniyo ndi nkhani ya wolandira. Chikalata kusonyeza apilo amatchedwa kuti malipiro. A chitsanzo cha inu mukhoza kuwona chithunzi pansipa.

Kudzera mwa malamulo malipiro akutsatiridwa malipiro si ndalama m'madera a kulanda ndalama bajeti ndi ndalama extrabudgetary; mawerengedwe a counterparties mu njira ya ntchito yawo; ngongole ndi gawo banki wotuluka; Ena wotuluka si ndalama.

zikalata Normative kwa malipiro cashless

Mawonekedwe a chikalata ichi ndi malamulo a kudzazidwa ake anazindikira lamulo la Bank chapakati nambala 2-tsa wa 03.10.2002 anali ndi zimene amanena nambala 1256-U wa 03.03.2003, ndi (a zikalata chomwecho kutumikiridwa ndi zina ndalama si ndalama).

Lowani iye anthu ndalama kulipira gulu, kawirikawiri wotsogolera (wamkulu) ndi yowerengera aakulu. Ophunzitsira ena nthawi n'loonadi masiku 10, osati kuwerengera nthawi imene kuti malipiro ndi kuphedwa. Chitsanzo akuimira mu chithunzi, ayenera kukhala wodzilemekeza ndi anasaina zatchulidwazi ndi sitampu ya samalipira a. inawo ayenera kuwerengera ndalama zawo m'kaundula wapadera

Cashless ndalama mabungwe (mabizinezi)

Gulu la malipiro si ndalama mu gulu (kumalo a ntchito) akutumikira kuchuluka ubale zachuma pakati pa mabungwe awa. Cashless kampani amalandira ndalama kuchokera kugulitsa malonda ake yomalizidwa (ntchito), ndi gulu - ndalama kugwira ntchito yake. Ndalama zimenezi ndi kunditumiza ku nkhani ya kampani kapena bungwe nthawi zambiri dongosolo malipiro. The ndalama chifukwa mwina ntchito pa midzi ndi kupereka mabizinezi. Kupita kupereka msonkho ndi malipiro lamulo mu ndalama kuchokera ikatha. Pankhaniyi, malipiro anapangidwa mkati muyezo pa nkhani watsopano wa ogwira (bungwe) kapena mu osiyanasiyana amaperekedwa ndi ngongole kubanki.

Pankhaniyi pali ena regularities wa zoperekazo.

Mfundo za gulu la malipiro si ndalama amakampani (mabungwe)

Gulu la malipiro si ndalama gulu (la ogwira) chimatsogoleredwa ndi mfundo zina:

1. Ndalama ikuchitikira ku nkhani gombe la ogwira ntchito (bungwe).
2. Ogwira (bungwe) ndi ufulu wosankha ngati banki yokonza, ndi mawonekedwe a ndalama cashless.
3. Kutsegula kwa nkhani watsopano wa ogwira (bungwe) umalamulidwa ndi ulamuliro msonkho.
4. Pachokera lemba-kuchokera kwa chuma ndi kupezeka kwa mwiniwake.
5. Malipiro kwa ogulitsa pafupi nthawi ya kutumiza katundu, zipangizo.

malipiro lotsatira

malipiro Non-ndalama mwambo kuchepa kwa ndalama za nkhani atsopano a kampani (makampani) anapangidwa mosamalitsa ndi ndondomeko anakhazikitsa, malamulo ndi Art. 855 wa Civil Code la Chitaganya cha Russia.

Choyamba malipiro onse ali ndi writs kuwononga thanzi, komanso kulanda alimony. The chachiwiri - pa writs kuphedwa zokhudza malipiro severance, ndalama kuti olemba kuti ntchito aluntha. Mbali yachitatu zikuphatikizapo ndalama malipiro, kulanda misonkho (zolipira), malipiro inshuwalansi kwa bajeti. Wachinayi - Nkhani zina writs lapansi. Mu malo chachisanu - zolemba zina malipiro. Dongosolo la midzi kuchotsa ukulamulidwa mabanki. Ngati kuphwanya malinga ndi ndondomeko anakhazikitsa Art. 866 wa Civil Code, banki Nkhalango zochepa zokha anachita polojekiti ntchito, kupereka chidwi malinga ndi Art. 395 wa Civil Code.

mitundu Traditional zolembedwa malipiro

Nzika za RF kwa malipiro si ndalama, kuwonjezera pa malamulo malipiro, ntchito ndi zina: makalata angongole, madongosolo zosonkhanitsira, malipiro a pakompyuta, zopempha malipiro - malamulo, macheke.

Letter ngongole yabwino kwa wogulitsa, mwachitsanzo. E. The munthu amene mtima ndipo anatsegula kalata ya ngongole. Kasitomala-wogula amapita ku banki yake ndi pempho - kalata ngongole. Kuchita izi, ntchito mawonekedwe mawonekedwe 0401063. The banki pa maziko a dongosolo undertakes kuchita guarantor atapereka katundu mwachindunji anapulumutsa malinga ndi zolembedwa anavomera. Malipiro kuchuluka ndi nthawi kukhazikitsa nthawi ndi kutchulidwa malangizo. Choncho, wogulitsa katundu amalandira malipiro kungakupatseni kapena likuvutika wogula, kapena likuvutika ngongole kubanki analandira mwa iye. Banki opereka zimapita kwa katundu banki (banki wamkulu). Likuvutika "Letters ngongole" banki wamkulu pa nkhani wogula ndi anasamutsidwa ndalama, enlists katundu wawo.

Macheke ndi chikalata ku thanki cheke chofukizira, ndi kuwagwiritsa ntchito kwa malipiro a kabati ndalama yomweyo pambuyo ulaliki wa cheke.

Pamene kusonkhanitsa kwa ndalama si ndalama mokomera WOPEREKA E lapansi. Iye analangiza banki wake kuti alandire ndalama anasamutsidwa samalipira, ndi kutamandidwa iwo akaunti yanu afufuze.

Pakompyuta Malipiro KA

XXI m'ma watipatsa njira pang'onopang'ono kwa mawerengedwe - pakompyuta malipiro. Kukhazikitsa malipiro cashless wakhala angakwanitse kwambiri. Kasitomala akhoza nthawi iliyonse kusamutsa ndalama malipiro khadi lanu kapena chifukwa cha "chikwama pakompyuta", anatsegula dongosolo pakompyuta malipiro, nkhani ina kapena khadi. Izi zimathandiza kuti ndalama nthawi iliyonse, kwa PC wanu, kuphatikizapo nyumba yabwino mlengalenga.

Kuti tichite zimenezi pa PC anaika ukonde-app WM-Anapempha Kuwala, foni - Telepat.

Tsopano ogwiritsa Russian ntchito misonkhano ya makumi angapo kachitidwe malipiro. Mu 1998 panali PayCash dongosolo mu 1999 - ndi WebMoney, mu 2002 - "Yandex". kachitidwe malipiro awa kucheza bwino ndi dongosolo lonse khadi malipiro ndi MastercardMass VisaInternational. ntchito za machitidwe ndalama pakompyuta ndi malamulo Federal "Pa National Malipiro System."

Pomaliza

Mwachionekere, kufalitsa ndalama latsopano la Russia tsopano alibe zokwanira zazikulu dongosolo, chifukwa chili chiwerengero kwambiri za izo amatanganidwa malipiro ndalama.

Nthawiyi, kupanga ndalama cashless ali moyenera. Ndipotu, luso ndalama za XXI m'ma kulimbikitsa zachuma. Makamaka chitukuko cha luso mudziwe wapanga malipiro zamagetsi ku chida yabwino ndi mosalekeza. Zaka zoposa khumi zapitazi kupeza kwambiri bwino, anthu mofulumira ndi odalirika kwambiri. Komabe, kwa kusintha chachikulu malipiro si ndalama Pakufunika zambiri zosanjidwa khama ophatikizana a nchito banki, kachitidwe malipiro ndi malonda.