Paper ngongole: kufotokoza zinthu, mawu, mbali ndi ndemanga kukhwima

Ndi chitukuko cha dongosolo banki anayamba kuoneka latsopano dongosolo zolipiritsa. Mmodzi wa iwo - pepala ngongole. chitetezo Izi sikuti ntchito ngati chida ndalama zimene zimabweretsa ndalama, komanso njira malipiro. Nkhani Tikambirana za ntchito yachiwiri bilu.

mtima

bungwe lirilonse ndi amatipeza takumana ndi kufunika kutenga ndalama anabwereka pa ntchito kwa kanthawi. Ndi chitukuko cha ulemerero ubale mabanki anayamba kupereka mitundu yatsopano ya ngongole. Promissory zolemba - mankhwala pa msika si chatsopano, koma sikokwanira ophunzira katswiri. ndikupeleka zachokera muyezo ngongole kubanki. Ndizo basi ndalama osati amatamanda nkhani banki, mogwirizana mu mawonekedwe a Bank wa Central.

kampaniyo amangomvera ndalama pofuna kupeza ngongole. muyezo ndondomeko ya kalembera wa ndikupeleka: bungwe yopempha zikalata woyamba ndi malipoti azachuma. Pambuyo zochita zabwino ndi mgwirizano wa bilu ngongole. Iye ali pafupifupi makope kwathunthu zili pangano muyezo, kupatula item wina. Ngati cholinga kukopa ochiritsira ngongole ndi malipiro a zipangizo, zipangizo, ndi alipire wa arrears malipiro, ndiye zinachitikira promissory anati cholinga cha iwowo ndi kugula masheya ngongole kubanki. Mgwirizano wa suretyship monga ina zina kapena sizingakhale. Pambuyo kusainira mapepala kwa gulu la nkhani lotseguka ngongole.

ndondomeko

Pa ntchito ngongole kubanki anasamutsidwa ndalama nkhani ya wobwereka lapansi. ndalamazo yomweyo debited kwa ogulidwa ngongole wamalonda, ngati pangano kwa ikuti kuti banki amalandira olondola kuti debiting ndalama. Kapena samalipira yekha kupereka dongosolo malipiro natsimikiza kulanda ndalama. Ndiko kuti, chifukwa tidutse yekha kuti akwaniritsa zofunikira za Bank wa Central. Gwiritsani ntchito ndalama osati kwa cholinga chake sizigwira ntchito. Kulumikizana kupanga antchito banki a. Ija chida cha wobwereka choyamba anasonyeza.

zingapo Bank ku Central akhoza chikalata pansi mgwirizano umodzi. Kuchuluka okwana ngongole zonse ayenera kukhala wolingana ndi kuchuluka ngongole. Kuchotserapo milandu pomwe mgwirizanowo amapereka kutolera ndalama zina.

ntchito

Kawirikawiri, Bill kwa ndalama kugula kwa ogulitsa. Wobwereka ndi okwanira kuika woyimira kumbuyo otetezeka ngongole kuti azimuthandiza monga mnzake. Biloyi pali mwini latsopano. Security amabwera mu makope. Koma izo ziyenera chimwemwe wobwereka sayenera. Ngakhale kulunjika kwa iwowo, ndalama kuzibwezera promissory cholemba ngongole. Tsiku lomalizira kwa kuthetsa mgwirizano. Kawirikawiri zilibe upambana miyezi 6.

Akuti bilu malipiro mwina upambana kukhwima ngongole kuti munthu pazipita masabata awiri. Mfundo imeneyi tiyenera kuwerengetsera lapansi. Ngati chida limaoneka kwa malipiro pasadakhale, ndiye udzabwezeredwa si pa ndime ndi pa kuchotsera a. Izi anasonyeza mu mtengo kuti adzakhala kuthetsa mwagwirizana pakati pa wobwereka ndi wobwereketsayo.

CHITSANZO 1

Wobwereka walandira bilu mwadzina mtengo wa rubles 1 miliyoni. Kuchuluka kwa udindo wake ku banki ndi miliyoni 4.7 rubles. Kukhwima wa ngongole, midzi mapeto tsiku 03.15.16 pakati pa wobwereka ndi wobwereketsayo inyamuka kwa 28/09/15 pa nthawi yolandira chithandizo ku banki wokongoza lapeza kuti kukhazikitsidwa kwa 28/09/15 mudzalipidwa promissory cholemba pa kuchotsera 11%. Presenter nawo manja anga si miliyoni 1 rubles. Ndipo 890 zikwi. Opaka. Yofanana kumachepetsa udindo wobwereka akuti: 4.7 - 0,89 = miliyoni 3,81 rubles.

kuwerengetsera ofanana akutsatiridwa mu unyolo wa eni. The moyo pafupi kwathunthu, wamkulu kuchuluka adzatengedwa kuganizira.

zikhalidwe

Kuyamikira Kuvomereza kunyamula mitundu itatu ya chiopsezo: ngongole, chiwongola dzanja, ndi kuopseza yafupika liquidity. Kuchepetsa iwo, mabungwe a zachuma ndi zofunika kwa makasitomala:

• kupereka ina (lonjezo) mu mawonekedwe a nsinga ya boma ngongole (kapena sheya ena malonda), kufufuza, katundu ndi zipangizo;
• ntchito pa nthawi ya kusainira pangano kuposa chaka;
• ndi nthenda zonse mwa ndalama mu nkhani.

inakhazikitsa promissory cholemba ngongole kwa mabanki kwa chaka chimodzi pa 6-10% ndi kukhazikitsa zofunika izi osachepera.

ubwino

• Paper ngongole ndi mtengo kuposa ngongole ochiritsira. Ngakhale wotuluka kulembetsa ndondomeko zofanana mlingo pa ngongole ngati zambiri zosakwana 10%.
• The ngongole limakupatsani kulipira ngakhale pali zonena kwambiri pa nkhaniyi.
• Kuzindikira kuti alipire ngongole ya chikalata endorsements pa chikalatacho. Izi kwambiri amachepetsa zolembalemba lapansi.

zolakwa

• ndalama kuchepetsedwa ndi kuchepetsa chifukwa alipire a zolemba promissory pa kuchotsera a.
• Kufunika ntchito ndi katundu ndi kuthekera alipire a zolemba promissory ndi zinthu ndikupeleka, ie, ndi chizindikiro mpaka izo kuchepetsa Bank wa Central.

Titsate ngongole bilu

Ngongole sheya amaonedwa kuti WOPEREKA bizinesi (cq. 58-2). Malinga nyengo zimene promissory cholemba, wobwereka a muyezo pepala akuganizira banki la Central, kukhoma Deuteronomo 66-2 (yochepa) kapena 67-2 (ngongole kubanki yaitali). Kuchuluka allocated kupereka ngongole olembedwa pa Deuteronomo 91-2 "ndalama zina".

CHITSANZO 2

Company analandira yochepa promissory cholemba ngongole ku banki chifukwa 500 zikwi. Opaka. kwa miyezi sikisi pa 5.5% pa annum. Malipiro chidwi ikuchitika pang'onopang'ono ofanana ndi mphoto ya akuluakulu 500 * 0.055 = 13.75 zikwi rubles .. kuchuluka Zimenezi zimaonekera kulongosola Kulumikizana DT91-2 CT 66-2.

misonkho

Mu Art. 167 Tax Code limanena kuti kulanda zolemba promissory kuti alipire ya VAT bizinezi ngongole ayenera kuchita masamu yekha pa nkhani ya malipiro a Bank ku Central kapena kutengerapo yake wokhoma ndi woyimira kumbuyo. Kupeza ndalama ndi gulu lina akuti ndi kukhazikitsa, monga wogula ndi udindo m'gulu kutsazikana popanda malire.

CHITSANZO 3

Wogula LLC analipira ndalama katundu ndi zolemba Company promissory anagula mu nthambi ya Sberbank. Anagulitsa zotsatira kutumiza katundu kuchuluka kwa 18 zikwi. Opaka. (VAT 10%). Ndi yofanana wogula anaperekedwa tilipire. Kuyambira mfundo malamulo a view, OOO udindo kulipira katundu akwaniritsidwe. Kampani salingalira chitetezo cha nkhani olandila mlandu.

Ndalama si wamangawa wa wogulitsa. Pankhaniyi, mlandu bilu ngongole tiyenera kusonyeza nkhani 58 kuchuluka kwa ndalama ya kupeza wake, mwachitsanzo, mtengo wa mankhwala kutumizidwa. Mu Bu ku wogulitsa anapanga zolemba amenewa:

DT62 KT90-1 "Revenue" - 18 zikwi rubles .. - anasonyeza kugulitsa katundu kampani.

DT90-3 "VAT" KT68-3 - 1.636 zikwi rubles .. - mlandu VAT.

DT58-2 "Ngongole ya Bank ku Central" KT76-3 "midzi ndalama zina" - 18 zikwi rubles .. - kulandilidwa discounting.

DT76-3 CT 62 - 18 zikwi rubles .. - bilu analipira mankhwala kutumizidwa.

Features

Ngongole alipire ngongole operekedwa kuti VAT katundu anagula kuchita masamu potengera ubwino chikalata cha sheya. muyezo walembedwanso pa kugula mtengo wa ndalama. The mtengo leni angakhale osiyana pa mtengo mwadzina. Ngati kusiyana ndi yonyamula ndalama, ndi deduction ya VAT pamaziko a kuti nkhani wogulitsa.

kayendedwe ka ngongole

Pali ziwembu ziwiri zazikulu za kayendedwe ka ngongole. Tiyeni tione iwo mwatsatanetsatane.

Atagwirizana pa wogula ndi katundu wa ndikupeleka ndalama, malipiro mawu counterparties kutsegula akaunti pa gombe ili mu mzinda womwewo, ndi kunena pangano chapatatu. Wogula amapeza ndi yochepa promissory cholemba kuchuluka kwa iwowo, nachiyika pa gawo ndi midadada izo. Akamaliza wa ndikupeleka ina chikutha ndipo ndalama ndi kunditumiza ku nkhani zofunika kwambiri. Ngati m'kati ndikukhazikitsa zambiri aonekera kuyan'anila, pambuyo potsekula bilu amakhalabe ndi makasitomala. Security sangathe chimaonekera gawo popanda chilolezo cha onsewo. Choncho wogula ndi inshuwaransi ndi debiting patsogolo ndandanda, ndi katundu - kuchokera sanali kupereka ndikupeleka pa kutha.

Kusintha zinthu chiwembu m'mbuyomu. Nkhani nkhani Tsegulani nthambi za banki m'mizinda yosiyanasiyana. Wogula adzakonza ndi zolemba promissory yaitali kuchuluka kwa iwowo, mu kulemba awadziwitse katundu ndi kupereka chilolezo kumasulira mbali zina za sheya chifukwa nkhani ya m'ndende. Bank WOPEREKA kugwirizana ndi ngongole bungwe wogula kuti atsimikizire mfundo za kutsekereza ngongole. Akamaliza wa chitetezo iwowo ndi omasulidwa ndipo kumasulira nkhani zofunika kwambiri.