Bank ejenti yokukhokha - Agents ke ... FZ Ukukhokha

Namuhla, Tinsita kungenziwa ukhokhelwe hhayi kuphela ngokusebenzisa imali amabhange, kodwa nangemizamo emaposini terminals. A services ukukhokhelwa ngqo Executive ehhovisi kakade jikelele akekho uyakhumbula. Umthetho ophathelene nezinkampani ezenza abaxhumanisi yasebhange behlala ndawonye bengashadile akusashiwo washintsha. Kodwa imibuzo wabahlanganyeli kuthengiselana luselude.

inhliziyo

Izichibiyelo umthetho avunyelwe credit izikhungo ukuze sandise khona salo ezindaweni bese udale i-zokuxhumana isiteshi - isisebenzi sasebhange ukukhokha. Lokhu kuye kwasiza ukuba ngcono ikhwalithi kanye nezimo of amasevisi. Ake sicabangele ngokuningiliziwe ezingaphezu kuka bekulokhu umlamuleli.

Ngokusho zoMthetho Federal "On umsebenzi yasebhange", i-ejenti ukukhokha - umuntu othola imali ekukhokheleni izimpahla namasevisi ngabanye ngenjongo ngokudlulisela ku- akhawunti yakho yasebhange. Ngokusho idokhumenti efanayo, i-ejenti angafeza imisebenzi nge plastic amathuluzi wokukhokha.

Ngemva kokwenza izinguquko ku-zoMthetho Federal "Ngo-National Payment System" ejenti enwetshiwe ukusebenza manje bangakwazi .:

• ukukhipha imali kumakhasimende;
• bahlanganyele subagents;
• ukufeza ukuhlonza payers ngaphandle kokuvula i-akhawunti;
• ukuqhuba imisebenzi nge-elekthroniki yokukhokha.

Ngale ndlela, ibhange manje ukukhokha ejenti - iyinhlangano esemthethweni (SP), ogxile inkontileka sesikhungo credit ehilelekile ukuhlinzekwa kwezinsizakalo yasebhange, ithola bese disburses izimali abantu ku nezibopho zabo.

Izindawo womsebenzi

Ukuze uqonde kangcono ukuthi yini umsebenzi agent ukukhokha, kubalulekile ukwethula eziningi imiqondo:

• umphakeli - a PI, inhlangano uthola imali ithengiswe izimpahla ezazithengiswa kanye namasevisi;
• amasevisi umthengi - lokukhokha komunye oyedwa;
• umenzeli ukukhokha - kuyinto umlamuli ukuthi amukela izinkokhelo ngabanye '(CC).

UMlamuleli semisebenzi yalo kungabanga opharetha kanye sub-ejenti. Babuye bazibandakanya emsebenzini owodwa owenziwe ukuthola izinkokhelo, kodwa inkontileka isivele ngemvume nge-ejenti.

umthwalo

Umthetho uhlinzekela nokubeka ejenti izibopho ezithile ukugcwalisa okuyinto kuncike ukuphepha izinkokhelo. Nazi ezinye zazo:

• umenzeli bangase benze kuphela emva ukusayinwa inkontileka;
• opharetha has ukubhalisa ne-Federal lwezezimali Monitoring Service;
• ekwamukelweni kwe-akhawunti yokukhokha ivulekile, esetshenziselwa kuthengiselana;
• ibhange akukwazi ye-ejenti noma u-opheretha.

izindleko

ejenti-akhawunti yokukhokha Special lisusiwe yonke imisebenzi. umnikazi wayo ungabhala off izimali kuphela ngezinhloso ezithile, kodwa yokutakula futhi ophoqelelwe is hhayi lwenziwa. Okungukuthi, kuba sisendleleni phakathi ngabanye kanye umnikazi we-akhawunti yasebhange. Nge-akhawunti opharetha ekhethekile kufanele idluliselwe iklayenti kanye nomlomo ngqo ingxenye amaholo. Subagent ukhokhela opharetha futhi umphakeli. Agent Ukukhokha ubophekile ukuba ngokushesha uthumele imali ku-akhawunti. Ngokwephulwa yile mfuneko, angase abhadle inhlawulo abayizinkulungwane 50. Hlikihla.

Cabanga izifanekiso lapho amasevisi ziyafezeka ejenti yokukhokha.

isikimu 1

I-ejenti isiphethe isivumelwano ukudluliswa Umbuso izikweletu ngenethiwekhi terminals. Ukuze iqoqo ekhokhwayo nokusatshalaliswa imibhalo yenkampani ukuphathwa (CC) idonse olulodwa yokukhokha isikhungo (ERKTS) self-umshwalense Isikhwama. ERKTS usayine isivumelwano ne umlamuleli, ungumnikazi inethiwekhi ezikhumulweni.

Njengoba i-ejenti yelungu Criminal Code, ke ubophekile ukuba uvule i-akhawunti ekhethekile. It izimali kuzothuthwa kusuka ERKTS. Khona-ke imali kuzodluliselwa resursosnabzhayuschey Inhlangano (RSO), bese - osonkontileka. ERKTS, opharetha futhi kufanele avule i-akhawunti. Dlulisela imali ngokushesha RSO akanalo ilungelo. Kumelwe senze kuphela ngokusebenzisa Criminal Code. Umnikazi we esigungwini kule scheme imele subagent. Amaholo abaxhumanisi bhalisiwe e inkontileka ne wesevisi. Futhi abathengi kufanele azise ukuthi ukudluliselwa kwezimali Ikhomishana icala.

uhlelo 2

Ukukhokha Agent - umlamuleli phakathi ngabanye Ezezindlu, oneminyaka engaphansi inkontileka. ukuphathwa isinqumo, kwanqunywa ukuthi inkokhelo ngenxa yemisebenzi ababeyenzile e tenements (MCD), ngokushesha idluliselwe ku-akhawunti yasebhange. izikweletu Ukukhokha kungaba ngokusebenzisa angawodwana.

Ukukhokha ejenti kule scheme iyi-ejenti ukudluliswa kweemali kuzo zonke payers ngaphandle kwabahlali MCD. omunye opharetha kuphela kungaba kanyekanye ukuthola izinkokhelo ahlukene ngaphansi inkontileka ne CM kanye ris. ejenti Ikhomishana baxoxisana umphakeli ngalinye ngokuhlukile.

isikimu 3

CC resursosnabzheniya isivumelwane ukhonza MCD ejenti abanikazi. Yena ehola amasevisi ngabathengi. Futhi kumele bakhokhe imali yezindleko ukuqaliswa ukuthengiselana. Kulesi uhlelo, CC iyinhlangano umphakeli services yasebhange. I-opharetha ubophekile ukuba uthumele imali ku-akhawunti ejenti. Phakathi Canal futhi North Ossetia is aluphelanga isivumelwano ekubambisaneni. Ngakho-ke, yenza konke okusemandleni ukuba kufanele ngokushesha zidluliselwa ku-akhawunti ezibalulekile emphakathini.

uhlelo 4

Criminal Code sihlinzekela okuqukethwe kwempahla esinezindlu eziqashisayo. Abanikazi esilenzileko ERKTS inkontileka izinkokhelo yokudlulisa. Criminal yamukele inkokhelo ngenxa ukukhanda impahla kanye Tinsita. Ingxenye yesibili idluliselwa ngqo RNO. ERKTS umvuzo kumele akhokhe kokubili umhlinzeki (Criminal Code kanye RSO).

amabhange

Credit izikhungo angase angenzi njengenhlangano opharetha ukuthola izinkokhelo. Kodwa ukunikeza isevisi ye-EFT kwezimali ezivela ngabanye ngaphandle kokuvula i-akhawunti. Ngu-oda yebhange ikhasimende ilungiselela umyalo wokukhokha. Lowo Mbhalo wangonyaka we kumele aqukethe yonke imininingwane futhi ngenjongo ukukhokhwa. Inani eliphelele ukudluliswa kukhawulwe eyamukelekayo ngaphakathi kohlaka non-cash izinkokhelo. Ngaphandle lemali ukudluliswa ikhokhelwa ikhomishana umlamuli.

umehluko

Ngakho, kukhona imisebenzi emibili: ukwamukelwa kwenkokhelo kanye ukudluliswa kwemali. Umehluko phakathi kwazo kwenzelwe nje kwezomthetho. Izinkokhelo zamukelwa ngesisekelo isivumelwano ne RSO noma umthengi. Payers abaphendukela ejenti ne isicelo sokudlulisela izimali ku-akhawunti ezibalulekile emphakathini. Uma phakathi RSO nase-UK inkontileka, i-ejenti yamukele inkokhelo. Ukuhumusha izindlela eyalo isicelo lokukhokha komunye oyedwa ukuze le mininingwane.

nezindaba inkani

Ukuphatha ICM yasayina isivumelwano phezu ukudluliselwa kwemali kuya opharetha futhi ibhange (on the Information Data Exchange). Ezikabani imininingwane kufanele akhonjiswe ekwamukeleni? Bills kufanele lifake inombolo ye-akhawunti ye- wesevisi. Uma idokhumenti uzonikezwa imininingwane akhawunti ekhethekile, ibhange ngeke bakwazi ukudlulisa izimali.

uhlelo 5

Ukuphatha MKD lwaphetha ngezithombe isivumelwano sesevisi ezokuxhumana umhlinzeki ukukhulisa imali ukusetshenziswa i-antenna, okuyinto akufakwanga impahla ngokuhlanganyela. Irisidi kulesi samba Izinsiza uboniswa oseceleni. Imali ezamukelwa njengemiBhalo ngokusebenzisa ebhange noma ngokusebenzisa i-ejenti. Kulesi uhlelo, Criminal Code nomnikezeli wesevisi kumele usebenzise i-akhawunti ekhethekile ye kuthengiselana.

Nokho, uMthetho Federal ku-ejenti ukukhokha angeke zisebenze non-cash ukuthengiselana. Ngakho-ke, uma umsebenzisi wenza ukuhumusha kusuka ku-akhawunti yakho, izimali ufake Criminal Code, okuyinto vele usuthela onecala wesevisi. La maphuzu amabili kudingeka babhalise ngokuhlukile inkontileka.

isiphetho

Okusetshenziswayo izinkokhelo ngokusebenzisa labalamuli ziwumthwalo eminye imithwalo yemfanelo ejenti. Ngokwesibonelo, ukugcina ama-akhawunti ahlukene ukuthi yonke imisebenzi. Uma CC uthola imali amasevisi PCO emahhovisi abo noma ngomunye elingumlamuli, bese iba i-ejenti uqobo. Uma kungekho abaxhumanisi ku ukuthengiselana, abazisebenzisayo bangase ukhokhe ngohlelo amabhange. Ngenxa yale njongo, bangena esivumelwaneni ehlukile akudingekile. Kodwa amabhange unesithakazelo ukuthola isinxephezelo. Ngakho-ke, ngenkokhelo sihlinzeke izinhlelo ulwazi.