Every day through banks held a huge amount of money.The clients of these financial institutions borrow money, calculated on loans, pay for goods and services, and so on and so forth.But how are served by the same team to send money from the bank finds out the destination?It turns out, everything worked out for a long time: for this there are settlements by payment orders.
This document, in fact, is the order of the owner of the current account of the conduct of an operation, and he has, of course, its own characteristics.The Bank, having received such an order, shall transfer the said amount to a specific account in the order.It uses only those funds that are registered on the account.Term of performance of the transaction previously was dependent on many factors and could be days or even weeks.Now with the introduction of the system of electronic document management system it is reduced to a few hours, and sometimes minutes.
For some operations carried out calculations?
If we group all types of operations, it can be seen that the calculations made by payment orders:
- for purchased goods, services rendered or work performed;
- on payments to budgets of all levels and insurance funds;
- on payment of the loan principal and interest thereon;
- on making funds on deposit accounts.
On the first point, there are options.The fact that customers have the opportunity to reconcile with the financial institution special forms of payment:
- can make a down payment;
- can pay for goods after shipment;
- when large transactions can make fractional payments.
Each time the procedure is negotiated separately and the basis of a contract signed by the client with his partner.The bank in this case becomes a financial assistant.
There is even a kind of cooperation as letters of credit, payment orders when calculations are made for the provision of certain documents (consignment notes, bills of lading, etc.), confirming the reality of the conditions of the contract.Here in general the bank performs the leading role.However, in the Russian practice is not stuck for one reason: very low financial discipline.
principles of the payment order
Money Order - this is one of those documents for which there is a standard form (Form 0401060), and strict requirements for the correctness of its completion.A typical sample of developed and approved by the Central Bank of the Russian Federation.Any correction or incorrectly delivered the signature of the responsible person fraught with return orders for completion.In the recent past, because of this many times frustrated payment schedules.
Currently calculations payment orders made through electronic services, called "bank-client".It is noteworthy that each bank develops and uses its protected program.They report only for the exchange of money and customers allowed the Central Bank information.Forms of payment orders is also stored in the computer's memory.It is necessary to fill the virtual form, to assure her electronic signature and send it to the bank, received in response to confirmation.
Further calculations payment orders are as follows:
- upon instructions from the buyer's bank withdraws money from the account;
- he also sends to the beneficiary bank the payment order and the means;
- beneficiary's bank on the basis of orders received credits the funds to the seller.
In conclusion, with all the convenience and speed of this method of calculation is not possible to avoid paper work.Accounting still requires the preservation of information about operations carried out on paper.Well, that sent orders remain in place.But for a statement from the bank will still have to proceed to a financial institution.
