Every day a huge mass passes through the banksmoney. Clients of these financial institutions borrow money, pay on loans, pay for goods and services, and so on, and so on. However, in what way are commands sent to send money, where does the bank find out the addressee? It turns out that everything here has been worked out for a long time: for this, there are calculations of payment orders.
This document, in fact, is an orderthe owner of the current account for the conduct of an operation, and of course he has his own peculiarities. The bank, having received such an order, is obliged to transfer the specified amount to the account specified in the instruction. In this case, only those funds are used that are listed on the account. The timing of this transaction previously depended on many factors and could be days, or even weeks. Now with the introduction of the electronic document management system, it has been reduced to several hours, and sometimes even minutes.
What transactions are settled?
If you group all operations by types, you can see that payments by payment orders are made:
On the first point there are options. The matter is that for clients there is an opportunity to coordinate with the financial institution special forms of payments:
Each time the procedure is negotiated separately, and the contract, concluded by the client with his partner, is taken as a basis. In this case, the bank becomes a financial assistant.
There is even such a kind of cooperation asletter of credit, when payments by payment orders are made for the provision of certain documents (bills of lading, bills of lading, etc.), confirming the reality of the terms of the contract. Here, in general, the bank plays a dominant role. However, in the Russian practice this did not take root for one reason: the financial discipline is very low.
Principles of filling out a payment order
A payment order is one of those documents,for which there is a standard form (Form 0401060) and strict requirements for the correctness of its filling. A sample model was developed and approved by the Central Bank of the Russian Federation. Any correction or even an incorrectly written signature of the responsible person is fraught with the return of the instruction for revision. In the recent past because of this, payment schedules have been repeatedly frustrated.
In the present calculations, payment ordersare made through electronic services, called "bank-client". It is noteworthy that each bank develops and uses its protected programs. They are reported only for the exchange of clients' money and the information authorized by the Central Bank. Forms of payment orders are also stored in the computer memory. It remains to fill out the virtual form, to certify it with an electronic signature and send it to the bank, having received a confirmation of the operation in response.
Further calculations of payment orders are as follows:
В заключение отметим, что при всем удобстве и the speed of this method of calculation until it is possible to avoid paperwork. Accounting still requires saving information about transactions on paper. It is good that the sent orders remain in place. But here for an extract from the bank will still have to proceed to a financial institution.
