Banking settlement and cash services for legal entities

Settlement and cash services for commercial purposesthe bank of legal entities is the basis of the modern financial system. Such cases, when enterprises are calculated directly, are in the past. Now for an attempt to commit such actions, in some cases, even criminal punishment is provided.

general information

First, let's find out what therepresents settlement and cash services of legal entities in the bank. By this is called a set of services that are provided by a financial institution and which are aimed at ensuring timely settlements of the organization with various entities. The procedure for their provision is regulated by the Law on Banks and Banking Activities, the Civil Code of the Russian Federation and the regulatory framework of the Central Bank of the Russian Federation. Special attention should be paid to the Regulations on non-cash payment, the procedure for conducting cash transactions and other regulatory documents. Also, an agreement between the client and the financial institution is necessary for work. It should be noted that settlement and cash services for individuals and legal entities, and not just the latter, can be carried out.

Basic services

After the contract was concluded, the organizationshould get a checkbook. It will be needed to receive cash for employees' salaries and the needs of the enterprise. There are basic and additional services. The first include:

1. Issue of account statements, where the information about the transactions will be restrained.
2. Cashless payments.
3. Operations with cash (for the designation, the phrase "cash service" can still be used).

Basic services are usually free of charge, or for theirA symbolic commission is taken. To perform any of these operations, you must use a unified form. The bank earns quite a good income for providing additional services. Some institutions have their own characteristics. Let's take Sberbank as an example. Settlement and cash services for legal entities in this financial institution provide for the possibility of opening an account not only in rubles, but also in a number of other foreign currencies.

Legal regulation

Which laws and regulations act in theas the basis for the relationship, we have already considered. But they regulate only in general and in general. In addition to the legislative framework, an additional agreement is concluded between the legal entity and the bank. There are no restrictions on the form of ownership for entering into such relations. When all formalities are settled and the settlement account is opened, the enterprise can dispose of its funds to conduct any activity, which does not contradict the legislation. If this process is carried out for the first time, special attention should be given to the conditions for the provision of the following:

1. Acceptance and delivery of cash.
2. Providing for prompt and uninterrupted movement of amounts.
3. Ability to conduct transactions with currency.

You can also connect other services if you want, butit depends on the desire and needs of the enterprise itself. If we talk about interaction, then for these purposes, two methods are used, of which one chooses what is convenient for him:

1. Classical. Provides for the transfer of orders personally on paper or through the intermediary of a trustee. Of the negative aspects, it should be noted the need to spend time on a trip to the bank's office, so this method is used relatively few enterprises.
2. Online banking. In this case, financial management is carried out remotely. Payment orders and requests are transmitted via the Internet. Due to its speed, flexibility and ease of use, this method is widely used by most organizations.

How does the calculation work?

When the bank receives an order from the company(it does not matter which way, the main thing is to confirm that the document was sent by an authorized person), then he fulfills it by agreement. For this purpose, the use of BESP is considered to be the rule of good tone. This abbreviation stands for bank electronic urgent payments. Through BESP, the transfer of money takes minutes. Although the legislation must be paid within three working days. This is done in the event of sudden and unexpected events that disable the system. Although for such a rapid execution of an assignment, an additional fee may be charged. And translations, even using BESP, will take just three working days. If the bank practices such schemes, it is necessary to think about whether to continue to be serviced in this financial institution. Fortunately, there are enough worthy competitors. Take at least such structures as Alfa Bank, Sberbank, VTB 24. Settlement and cash services for legal entities if it does not satisfy the client - you can change the financial institution. Remember that we can vote with our wallets.

Acquiring

All the enterprises that are on the RKOa certain financial institution may, after signing a separate agreement, make it possible to pay for goods without leaving the outlet. However, in such cases it is necessary not only to take care of the availability of all necessary equipment, but also to conduct a fairly significant number of control measures on time (first of all, this refers to safety). Similarly, we can say about the payment acceptance by means of payment cards in the World Wide Web. In such cases, the terminals replace the special forms that the buyer must fill.

Cash operations

For this purpose, the previously mentionedcheckbook. The amounts written out with it are used to finance the economic side of the enterprise, issue wages and pay off with suppliers. A kind of analogue for a checkbook has recently become a corporate bank card. When it is issued, a special account is opened, through which the financial organization conducts a register of all transactions performed, issues statements with the amounts of turnover and the balance of money. Let's consider an example of VTB. Settlement and cash services for legal entities in terms of wages for employees are carried out by transferring a certain amount of money to a bank card. But some people are not comfortable with this approach, because they are used to being clients not of VTB, but of Sberbank. In this case, an accountant can additionally be sent to the bank, which will receive the necessary amounts there with the help of a checkbook. As you can see, positive changes are present, but while there is a certain obstacle to the full automation of the process of crediting money. If you have to move with a significant amount of money, many large financial institutions offer a collection service. It is available after the settlement account and the corresponding supplementary agreement have been signed.

Opening an account

This service can be either paid orfree. It all depends on the policy of the bank. But this amount is not prohibitive even for new enterprises - for such pleasure it will be necessary to pay "only" a couple of thousand rubles. A few hundred more must be paid for maintaining a settlement account. Many financial institutions charge a fee for use only in those months when there is at least one transaction. Certain deviations from these values ​​may be in cases where a ruble account is opened, but a currency account. Abroad, respectively, other rates for these services, which fluctuate depending on local specifics.

Interaction with the tax service

This information will be useful to those who onlythinks about opening an account. The fact is that, according to the legislation of the Russian Federation, a legal entity should notify the tax service at the opening of a current account not later than 5 days after the registration was completed. If you do not have time on time, then a fine is imposed. If you do not want to understand all the nuances yourself, you can ask all questions specializing in this company. The approximate cost of such a service will be about 2-3 thousand rubles.

Conclusion

You can tell me a lot more about howarranged a system of settlement and cash services, to touch upon various nuances and aspects. In general, if an entrepreneur or manager has at least a general understanding of the RKO, it will allow him to better understand the affairs of the subordinate company, which is undoubtedly a significant plus.

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