Custody of funds, works of art and other values can be carried out in various ways.One of them - this deposition.What is it and how to implement?This process is organized, that is issued according to certain rules and with the mandatory provision of documents confirming the deposit of certain things.Place and conditions of the deposit depends on what is the subject of the contract between the parties, which can be both physical and legal persons.The existing versions of the process and start with the most familiar and common - a cash deposit.What is it and how is carried out?
Depositing money: types of implementing
When funds are transferred to the deposit of the banking organization, talk about their deposit.It is a broad concept and includes several options for storage:
- demand;
- urgent.
These processes are virtually identical manner of their implementation, and only have different terms and conditions for withdrawal of money.The investor makes payment a sum of money to an account in a credit institution, and that, in turn, issues a certificate of deposit money in writing.It's called the document the certificate of deposit.It reaffirms the right of the person (depositor) to receive the appropriate amount shall be deposited in the bank.If the contribution is made on demand, then you get the money back at any time on presentation of the document.Accrued interest during that time is not lost, so use this service if you plan to withdraw funds in the near future, or whenever you need them.
Equally popular banking service is an urgent deposit.What does this mean?The fact that the money be deposited for a fixed, pre-agreed between the parties and registered in the contract period.During this period in the amount of interest bearing deposits, increased in comparison with the interest on the deposit on demand.However, the withdrawal of funds before a contractual term will be lost.In some countries, fixed-term certificates of deposit and turn can be sold to dealers and depositors of the credit institution with the loss of interest.Such a practice is, for example, in the United States.
Deposit: deposit box
in the narrow sense of deposit funds in banks means their storage in the deposit box.Money is not used as investment clients, and stored in a credit organization.In this case of any accrued interest and turnover of funds is not.Why keep money in a cell, if you can put them in a bank account and make money?Typically, such a practice is used in the commission of various transactions in order to guarantee their performance.
mechanism eksrou
This mechanism is most commonly used as a way to ensure the fulfillment of the transaction between the parties.As a rule, payments on the shares and other securities and purchase / sale of real estate.Eksrou agent performs an independent entity, which implements an agreement when the parties of the deal.The most popular kind of mechanism eksrou a bank deposit.This "backup" a sum of money in the banking cell (sometimes in a special deposit account).
seller can get them in the event that it has fully complied with all the prescribed conditions in the tripartite contract deal.If they are not met, the deposited funds returned to the buyer.This process is called "Escrow".In the contract clearly spells out all the tiniest details of the transaction, to provide a list of required documents and so forth. After a thorough inspection agent eksrou fulfill all terms of the transaction or carried, or torn.
object of the deposit are most often cash, but there may be securities and instruments and non-cash means.In the Russian practice of deposit of such options are used less frequently.
bank reserve ratio and the deposit
Commercial banks not only accept the deposit of money, but also they give them to deposit at a major bank in the country - the Central Bank.They are called required reserves and are used to regulate the liquidity of the banking system.Regulatory reserve requirements set by the Bank of Russia, depending on how you need to influence the size and structure of the money supply in the country.
It consists of cash and bank reserves of the population.First are the basic money supply, second, the ability to create deposits of the banking system.So, how is the distribution of funds between cash and deposits, demonstrates the ratio of deposit.It shows the preferences of the population regarding the choice of the form of holding money.How to calculate the coefficient of the deposit?The formula is the ratio of cash to total bank deposits.The higher this ratio and the required reserves ratio, the lower the lending capacity of the economy.
Deposition of products and copyright
This type of deposit is the deposit of works is used for a variety of reasons:
- to prove the authorship;
- to fix the date of creation of the work;
- to preserve the value of the object itself.
representatives of creative professions are often faced with the phenomenon of plagiarism.To warn him and to provide documentary proof of his authorship can be created by registering the product.This process is also called a "deposit."This procedure, which is carried out by special services, such as centers of expertise of intellectual property in Russia.The register shall be entered information about the author, as well as the work itself.This information may be provided in the resolution of disputes on copyright and litigation.
When registering the product is given to the author of the official confirmation of his rights - the certificate of deposit.It can be obtained on the following types of property like paintings, sculpture, architecture, design, music and literary works, photographs, computer programs and so forth. To do this, you need to provide them a copy, as well as complete information on the place and time of creation, information about the authorand his signature.
methods of deposit product
Deposits can be simple, transparent and implemented by registration in the Russian Authors' Society.The first option is associated with the transfer of deposited directly created product.He did not study, but only packed, sealed and left in a safe place for a certain period.Author of a certificate of deposit with information on the product.This option is suitable in cases when it is necessary:
- ensure the safety of the work of art;
- confirm the date of registration of the product (it proves that it was created earlier than transferred to the deposit).
Upon registration of copyright and authorship of a work recorded with the introduction of information on intellectual property products in a single register.This type of deposit provides a solid evidence base upon detection of plagiarism to defend their unconditional right as a creator.
Other escrow
most often hear about these above varieties escrow as financial resources and works of art.Often given to the deposit of securities and documents.To this end, they are transferred to the depository, banks, libraries, reference collection and other special organizations.
There is a deposit of international law.In this case, it is a signed and approved contracts between governments and organizations of different countries, ratifications, accession to a treaty, and so on. N. They (their original text) shall be deposited with the depositary through diplomatic or other authorized representative.In the deposit of an instrument recorded in the minutes, which is made in an international organization or the depository department of Foreign Affairs, is the depositary.
Deposition in medicine
This term is found in medicine.We are thus talking about the unique capabilities of our body.It is also able to store some substance for subsequent use when needed.This deposition can be blood, hormones, fats.They are temporarily excluded from the processes of exchange and circulation if there are sufficient and the excess amount for the functioning of the body.And in moments of scarcity, stress, illness, etc. Are used to maintain a normal life.
Happens and a negative deposit - is the accumulation of various toxins, and radioactive drugs in tissues and organs.They enter the body from the environment and interfere with its normal operation.
Conclusion We have seen how the deposit is what it is and what kinds of processes occur in different areas of life.Regardless of the scope of use of the term, in a general sense is the process of depositing the storage of something (money, property, art works, documents and so forth.) For subsequent use for certain purposes.
