New banking products for legal entities. Bank lending to legal entities: how to choose a suitable banking product

Credit Products for legal entities.

Classic Credit - At this type of loan, funds are provided at all. Repayment of such a loan is carried out according to the agreed schedule. The repayment source will be the profit of the organization.
Benefits:
1. The optimal option for accurate planning of your expenses;
2. The possibility of receipt money to expand the activities carried out;
3. Convenient to lend a specific transaction;
4. The lack of the need to distract funds from the production cycle
Preferably for lending:
- For the purchase real Estate (commercial mortgage);
- implementation of real estate / premises repair;
- acquisition of fixed assets, in addition to real estate (for example, vehicles, production / technological equipment, etc.);
- Purchase of raw materials, materials.

Credit line with debt limit (renewable) - lending on renewable basis within the established maximum amount (limit) debt to the bank within the established period of validity credit line. Sources of repayment are revenues during the period of the credit line and profits in the last repayment.
The loan part of the loan increases the debt limit (that is, one-time debt to the bank cannot exceed the amount specified under the contract).

- on replenishment current means (It is possible to lend several operating cycles), expanding the range of products.

Credit line with extradition limit (non-renewable) - lending parts (tranches) in stages when necessary and within installed Limita credit line. It is usually applied if the implementation of the project funded implies a gradual development of resources.
Preferably for lending:
- implementation of real estate repair (since payment often occurs in stages);
- Purchase of raw materials, materials.

Credit in the form of "Overdraft" - Lending with short-term disadvantage of funds at the current account. The repayment source is receipts to the current account.
The provision of a loan is carried out automatically, in the amount exceeding the balance of funds. At the same time, all amounts coming to your (borrower) account are sent to repayment of debts.
Preferably for lending:
- operational satisfaction of the urgent short-term needs of the company in cash in the absence of the latter on your current account;
- the ability to pay for the incoming payment documents in a timely manner, without distracting their own resources from turnover;
- the possibility of covering the temporary cash rupture

In a commercial bank there are various bank 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 nonspecific 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:

Deposit operations;

Credit operations;

Estimated operations.

Deposit operations of commercial banks include investment transactions in deposits (passive deposit operations) or placement of available commercial Bank Funds in deposits in other credit institutions (active deposit operations).

In accordance with Article 5 of the Federal Law of the Russian Federation of 02.12.1990 No. 395-1 "On Banks and banking activities»Attracting funds of legal entities in deposits (to demand and for a certain period) refers to banking operations, and in accordance with Article thirteen of the same law, banking operations are subject to licensing. the federal law from 02.12.1990 № 395-1 (ed. from 03/14/2013) "On banks and banking activities" // "Meeting of the legislation of the Russian Federation", 05.02.1996, No. 6, Art. 492.

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

By time, the deposits are customary to divide into two groups: - demand deposits; - Urgent deposits.

Demand deposits include funds on current, settlement, budgetary and other accounts related to calculations or target use, funds on correspondent accounts of other banks. Due to the frequency of operations according to accounts operating expenses According to them, usually higher than on urgent deposits, but because on these accounts banks, as a rule, pay low interests or do not pay interest at all (then customers can be provided with various kinds of benefits), these resources for the bank are relatively cheap.

Urgent deposits are funds made to the Bank for a fixed term. Owners are usually paid over them. high percentThan 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: up to 30 days; from 31 to 90 days; from 91 to 180 days; from 181 days to 1 year; from 1 year to 3 years; Over 3 years.

Urgent deposits are issued by the Banking Deposit Treaty, as well as bank deposit certificates.

Credit operation is the main operation of the bank. Not accidentally the bank is sometimes called large credit institution. And this is true: in the total amount of the bank's assets of the main specific gravity make up credit operations. Most often, due to lending to customers, the bank receives a majority of income.

Credit operations are the relationship between the lender and the debtor (borrower) on the provision (obtain) in the temporary use of funds, on the terms of repayment, urgency, payability and security.

A special place among the credit documents belongs to the loan agreement regulating the entire relationship between the Bank's relationship with the client. how legal document The loan agreement must comply with highly stringent requirements for design, structure, definition of wording. Important condition The loan agreement is the condition of the term. Credit contract It is a certain period of time, the beginning of the reference of which should be considered the moment of concluding a contract (if otherwise indicated in the contract).

The calculated operations that the bank produces is carried out in non-cash form. On the instructions of customers, banks can open various accounts from which payments are made related to the purchase or sale of commodity values \u200b\u200bpaying wages, transfers taxes, fees and other equally important payments. When calculating the bank acts as a mediator between sellers and buyers, between enterprises, tax authorities, 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 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 trusting operations are carried out 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 in coordinating 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 on various financial markets In order to receive profits for customers with which banks charge a specific fee banking 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 is a kind of trade and commission combined with lending turnover capital client. 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.

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

Leasing operations of the bank - long-term rental of machinery, equipment, vehicles, industrial facilities. Differentially distinguish the following types of rental:

Hiring (medium-term lease) - a period of 1 year to 3 years;

Leasing (long-term lease) - a period of 3 years to 20 years and more.

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 (settlement and other), identifying customer amounts, assistance in the wanted list, 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 accounting and financial and economic work at the enterprise;

Services in cash service customers (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 customer conditions for customer to meet their needs.

The company "Producerg" has been steadily steadily in the market for many years, servicing its customers from day to day and is expensive to partnership with various customers. If earlier the company made goods only in bulk, then now prevails retail. Products supplied by the company are food, stationery, household chemicals, various household items, goods for children, for home, for car, etc.

"Products" is the only company that meets every customer towards each client, and I would like to note that the company's regular customers are mainly legal entities. Representatives of products provide a system of significant discounts for various enterprises and firms when signing a contract on constant cooperation.

Advantages of working with the company:

1. "Product" opens a huge range of goods before potential buyers;
2. Prices in the online store are extremely low, which indicates the fruitful work of the company in the market;
3. For legal entities, the store makes significant discounts;
4. For legal entities and regular customers, the possibility of deferred payment for the goods is given;
5. All sold goods are provided necessary documentation during delivery;
6. The more the goods acquire customers, the less they pay;

Benefit for legal entities:

The company "Producerg" offers legal entities to conclude an agreement for permanent corporate services. The company's employees in a timely manner and in the right place will deliver the necessary goods ordered by you. You will no longer need to draw up shopping lists for the enterprise and search for places where they could be purchased cheaper. You will never have to wait for the goods ordered, because the company's delivery is the fastest in the city, as well as employees directly follow the presence of the necessary goods in the warehouses. I would like to note that for reporting the company will provide a firm all required documentsAnd also take care that the products supplied are the first freshness.

Our Internet - Store

This is not the third and not fourth intermediaries, we directly buy all the products from the manufacturer, thereby providing favorable prices. We are large wholesalers, so the goods on our warehouses are fresh, which means that the entire turnover of the store is quite large.

Company "Product"

It has a long-term business plan, according to which all store workers operate. We want you to visit us positively, so we value our reputation and create the best conditions for carrying out transactions and signing contracts.

The company employs extremely valued and understanding responsibility, because we work with the most large firms in Moscow and Moscow region, and it is important for us to remain competent and unique, so highly qualified workers follow the warehouse goods, they are statistical and care about our clients.

Online:

The company's website presents the range of goods, among which you can find the goods you need and get acquainted with its characteristic and price. Also on the site accessible appeal to the administration, where you can ask the question you are interested in or consulted regarding a particular product. Advanced search will help you in a matter of seconds find the goods you are interested in.

You can make an order by online on the site or by calling the numbers specified at the top of the site. And the price list of goods is available for all potential customers.

Conditions for ordering, delivery and payment:

To purchase goods, you just have to visit the site page and make an order after registration. The Internet - the store accepts applications around the clock via the Internet and up to 20-00 by phone, and after the created order, the next day (if the order was created no later than 20-00) the goods will turn out to be. Delivery of the ordered goods is carried out within Moscow, Moscow Ring Road and Moscow region. Goods are delivered directly to the door of the recipient, or delivery to the office is carried out.

If the order amount does not exceed 4000 rubles, the delivery will cost 350 rubles.

Delivery in Moscow is free if you make an order for more than 4,000 rubles. All orders received on weekends are considered in obligatory, But delivery is carried out on Monday.

Pay purchase

can be in cash and non-cash. In the first case, you pay the purchase to the courier, and in the second - we accept your payment through the transfer of funds to the company's current account.

After checking the delivered order, you are provided. the following documents: The invoice in which the goods ordered by you are indicated, and, accordingly, the cash check (when paying in cash). For cashless payment The overhead forms of Torg-12, the original invoice, notification from tax Inspection On the use of a simplified tax system (the goods are not subject to VAT).

Discounts

The store has a discount system, among which there is a cumulative discount and one-time.

The accumulative discount of 1% is provided if the sum of your all orders exceeds 15,000 rubles. With each subsequent 15,000 thousand discount will increase by another 1%.

A single discount of 1% is provided in the case when the sum of one of your order exceeded the amount of 20,000 rubles. If your order is made on:

30 000 rubles. Discount will be 5%,
60 000 rubles. - eight%,
100 000 - 10%.

By purchasing goods from the company "Products"

You always acquire fresh high quality products at reasonable prices. We are interested in the fact that you become our regular customers, so we offer you the most profitable terms. We are also open to cooperation with other companies and are ready to offer you mutually beneficial conditions.

Classic credit - at this type of loan, cash is provided at all. Repayment of such a loan is carried out according to the agreed schedule. The repayment source will be the profit of the organization.

Credit line with a debt limit (renewable) - lending on a renewable basis within the established maximum amount (limit) of debt debt to the bank within the established period of the credit line.

Bank products

The main banking products that are profitable for both customers and banks are deposits and deposits. These are long-term investments that bring interest to depositor, and the Bank has a stable financial fund within a certain time specified in deposit Treaty. Deposits are deadlines from six months or more. The greater the duration of the deposit, the higher interest rate.

Credit cards - Fawhere common banking product.

Bank lending to legal entities: how to choose a suitable banking product

Objective of the seminar: to gain knowledge of lending for legal entities, the benefits of various types of loans, can be able to correctly choose a loan and learn the main distinguishing features of the contracts of the deposit and guarantee, to get acquainted with the procedure for obtaining a loan in the bank and learn about the basic principles of interaction with the bank in the process obtaining and action

Department of Financial and Stock Market Krasnodar Territory

Deposit operations are operations of banks to attract funds legal and individuals In deposits either for a certain time or demand.

The implementation of deposit operations implies the development of each credit organization of its own deposit policy, under which the collection of commercial bank activities should be understood, aimed at identifying forms, tasks, maintenance of banking activities for the formation of banking resources, their planning and regulation.

The ultimate goal of developing and implementing the effective deposit policy of any commercial bank is to increase the volume of the resource base when minimizing the bank's expenses and maintain the necessary level of liquidity, taking into account all types of risks.

Since each bank develops deposit policies, the main question is not only whether it has a bank, but also in its quality.

Internet Bank for legal entities - the benefits of service

Many know about such a well-known Aphorism of Benjamin Franklin, as "time is money." Nowadays, the popularity and truthfulness of such a thought is only confirmed. In a rapid pace of modern life and business management, a temporary factor for legal entities is gaining increasing importance every day. Cooperation with banks occupies a considerable part of the time spent, so the emergence of such a section of the provision of banking services, as an Internet banking, was rather natural.

The Internet Bank for legal entities is a modern service that allows you to have remote access to all banking products.

Which bank provides services

The banking product includes the creation of payments and the provision of services. Payment tools perform the role of an intermediate link in the field of labor exchanges between organizations, accompanying sale transactions.

1. Specific operations can be divided into deposit, credit and calculated. (The first in the history of activity credit organizations become currency operations).

Credit products of banks for legal entities

This post would like to devote to the main credit products of the banks they offer for legal entities. I will try to write easy and accessible, because Most recently found out that many customers do not distinguish a credit line from overdraft, a loan from the credit line and shame it, they do not ask their questions. Only then, after granting a loan it turns out that many have not received what they also wanted as a result, they remained not completely satisfied with the service provided by the Bank.

1) So a loan.

Lending to legal entities

Alfa-Bank is interested in collaboration with reliable borrowers, so organizations wishing to use credit products of the bank are subject to certain requirements. In particular, the borrower should have its own stable and promising business, he must have experience of successful work, own capital And, if necessary, the ability to provide the bank with sufficient provision.