They share with each other the experience of drawing up explanatory notes to the bank, which suspected the company of violating the “anti-money laundering law” 115-FZ.
As a rule, the bank asks for explanations explaining the economic meaning of operations, the reasons for and the need for calculations, by what forces and means the organization’s activities are ensured, and to describe the scheme of doing business.
Colleagues offer their options.
LLC "Romashka" (hereinafter - the Company) carries out activities for hilling flower beds, weaving wreaths and selling ready-made bouquets.
In order to carry out the above activities, the Company acquires ribbons and flowers, hoes and rakes are leased to the Company. The main suppliers of the Company are: OOO Pion, OOO Lenta, OOO Hoes and Rakes, IP Zemelkin. Settlements are made within the framework of concluded agreements on the basis of invoices received for payment.
The company rents a warehouse and office space at: .... according to an agreement with an LLC or individual entrepreneur.
To date, the Company has 1 employee. Due to the fact that the Company's activity is seasonal, GPC agreements are concluded to perform specific scopes of work. Calculations upon the fact of work performed are made in cash from the cash desk of the Company (payrolls and cash registers are attached)
Taxes and fees have been paid in full and on time. Reporting was submitted in a timely manner and in full.
In response to your request for an explanation of the economic meaning of transactions carried out on the current account of an Individual Entrepreneur, I inform you of the following.
main direction economic activity IP xxx is the wholesale trade in food products OKVED 46.17. The buyers are companies Catering.
Revenue is generated when payment is received from customers.
Profit is formed as the difference between revenue and purchase costs, transportation and other costs.
IP xxx finds counterparties as a result of business relations.
Third parties are not involved in the work, there are no hired employees.
IP xxx owns vehicles - Hyundai porter II state. number xxx
Website link: http://xxx
IP xxx is registered in the system of Rosselkhoznadzor Mercury.
IP xxx from the moment of registration - xxx.2018 - is on a simplified taxation system. The deadline for the fulfillment of tax obligations will come on October 25, 2018 in case of payment of an advance payment under the simplified tax system. The deadline for submitting a tax return under the simplified tax system is April 30, 2019. At the moment, there are no grounds for paying taxes.
Individual Entrepreneur xxx, in addition to a current account with Sberbank PJSC, has a current account with TINKOFF BANK JSC and the CENTRAL BRANCH of VTB BANK (PJSC).
IP xxx is not included in the group of companies and is not affiliated.
The main contractors (buyers) of IP are legal entities. All payments under the supply contracts are made by bank transfer. The purchase of goods is made mainly for cash at the OPC FOOD CITY. In this regard, IP xxx withdraws funds from the current account.
The main contractors (buyers) are public catering enterprises, supply contracts have been concluded with them:
LLC, TIN, Agreement No.IP xxx. transfers funds to the accounts of individuals, which are personal funds of an individual entrepreneur
The main assets of IP xxx are receivables from buyers and cars vehicle— Hyundai porter II state. number xxx
IP xxx uses its current account with SBERBANK PJSC for its intended purpose - to carry out its economic activities, guided in its work by the Civil Code of the Russian Federation (part two) dated 01/26/1996 N 14-FZ (as amended on 05/23/2016), Federal Law No. 209-FZ of July 24, 2007 and other Legislative acts. The economic meaning of operations carried out on the account is mutual settlements with counterparties, development and economic growth, as well as profit from economic activity. Operations carried out by IP xxxne bear the risk of loss business reputation for your bank, are carried out exclusively for lawful purposes, and are in no way connected with the financing of terrorism and other illegal activities.Attachments to the letter: Contracts with buyers, attachments to contracts, vehicle documents, bank statements, documents for out-of-pocket expenses.
Small businesses are increasingly complaining about bankers, there are more and more reports of banks blocking accounts and cases of termination of service contracts without any justification, as the victims claim. However, in many cases banks have good reasons. Recently, the main postulate of the client policy of any bank - in accordance with the requirements of the Central Bank - has become the reality of the client's business. Signs of bad companies were formulated in the regulation of the Bank of Russia No. 18-MR dated July 21, 2017. What do banks do to make sure that business is real?
1. The bank examines the client's transactions in order to identify signs that indicate the absence of a real business or the presence of tax optimization schemes. The signs are:
Payments of salaries to employees, as well as transfers of personal income tax (PIT) and insurance premiums are not made from the company's account; or payments do not match average headcount employees of the client and indicate an underestimation of real salaries;
The average accrued salary is below the official living wage;
There are no cash balances on the account or they are insignificant in comparison with the volume of operations usually carried out by the client on the account;
The grounds for payments do not correspond to the declared type of activity (for example, the client in the questionnaire indicates that he is engaged in the production bakery products but receives money for transport or consulting services);
Funds are credited to the client's account for one reason, and then debited for another. In other words, the client receives money mainly, for example, for Construction Materials, and pays mainly for transport and consulting services;
There is a sharp increase in turnover on the client's account, the company significantly exceeds the maximum values of cash turnover declared when opening an account;
the client does not pay from the invoice for household needs: for example, for rent, utilities, purchase of office supplies, etc.;
Buying counterparties pay the client under contracts for goods and services with VAT, and then these amounts are almost completely written off by the client in favor of counterparties without VAT;
The criterion for paying taxes and other obligatory payments is violated (approximately 0.9% of the debit turnover on the client's account or slightly more).
2. Then the bank examines the place of doing business, checks whether the company's office is located at the place of its registration.
3. Next, the bank compares the volume of business with the size of office, warehouse and industrial premises, with the staff. For example, a company with operations of hundreds of millions of rubles a year, without a permanent office, warehouse and production facilities, with only one director on staff, was created for transit cash flows.
4. Then the bank studies the structure of the enterprise. Really operating enterprise must have a full-time accountant or an agreement with an accounting company.
5. The bank identifies the beneficiaries of the business. It checks the information provided by the client in the questionnaires and uses all available methods. In particular, if the client specifies a director who is not actually the owner or co-owner as the beneficiary, additional verification will follow. Open sources (press, Internet) are studied to identify information about the client, including negative information. To check the client, specialized databases are also often used (SPARK, "Kontur-focus", etc.).
6. If there are questions, the bank conducts a conversation with the company's leaders.
Such a comprehensive study of the client requires an investment of time and money. Therefore, some banks, having identified at least one sign of the absence of a real business in a client, prefer to refuse him service without continuing further proceedings.
For clients, this decision has the most negative consequences. Now they will not be able, as before, after the refusal in one bank to open an account in another. All banks in Russia are now prohibited from working with such refuseniks. Therefore, if you are among those with whom the bank terminated the service agreement, you must make every effort to prove the reality of the business. You can invite representatives of the bank to your office, show you trading or industrial premises, warehouses, products. The bank must include contracts that confirm the conduct of business activities, acts of acceptance of work and services, valid contracts for the lease of premises. Provide the bank with a list of counterparties, links to their websites. Give a description of the ownership structure of your company and information about the real owners of the business. If you have accounts with other banks, they can help letters of recommendation from them. And of course, you should be careful in choosing contractors - work only with trustworthy firms.
Take a constructive attitude to the attempts of bank representatives to understand your activities. If you have real business, you have nothing to hide from the bank.
However, it is not worth considering future activities overly optimistically - failure to fulfill the parameters of the business plan may result in sanctions from the lender. Sole proprietor without employees, unlike an LLC or other legal entity, no analysis is required management structure and optimize personnel costs. How to draw up a business plan for bank approval of a loan The business plan of each particular enterprise is unique. Its volume is not so important for a credit institution, the bank should see in it the real prospects for the development of the organization, the possibilities for repaying the loan in full, as well as the benefits of lending for the overall financial recovery of the company.
The business plan should contain an approximate list of service providers and consumers. Naturally, when it comes to opening a store retail- there can be no talk about consumers. But you should definitely consider the prospective suppliers of goods or raw materials for production, indicate their approximate prices.
InfoIt's great if there are any preliminary cooperation agreements with suppliers. The list of suppliers and consumers should include:
- Company name;
- work period;
- volumes of deliveries or purchases;
- any information that characterizes the company as a stable reliable partner.
4. Real market analytics. If the project is small and the amount of the loan is insignificant, you can use data from surveys and open publications.
- Marketing. AT marketing plan the volume and profitability of sales, possible consumers should be considered, the sales market and competitors should be analyzed. Particular importance should be given to the analysis of the work of competitors, since it is they who can significantly complicate the implementation of the project in full.
- Legal aspects of organizing an enterprise or implementing a project - costs for legal support, licensing and other costs and possible difficulties, ways to resolve them;
- Justification of financial costs.
One of the most important sections of a business plan.Business scheme 🚇 example for a bank
It is worth considering in detail the need for financial resources, the order of their use, depreciation of fixed assets.
Business plan for obtaining a loan
In the event that an entrepreneur plans to take a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) will be implemented for 1 year, the bank will inevitably have questions why, with a “smooth” business plan and availability substantial profit, the business is unable to repay the loan for 5 years? And vice versa, if the loan is taken for 5 years, and the project implementation will last 3 years, when reaching the break-even point in the next, 4th year, the lender will ask the question, due to which incoming payments will the loan be repaid? 3.
Description of business processes: the pursuit of simplicity
When lending to legal entities and individual entrepreneurs, especially long-term or for certain investment projects, credit organizations require the provision of a business plan as additional guarantees for the payment of funds. This document is extremely important both for the approval of the application and for subsequent trouble-free loan payments. In what cases can a bank request a business plan The main task of a bank is to extract the maximum profit from its own funds without losing part of them due to untimely fulfillment of obligations by borrowers.
Additional losses of the so-called "lost profits" arise with large amounts of reservation. According to the standards of the Central Bank, the amount of the reserve in the absence of a business plan for an organization that is just starting up (a start-up loan) is at least 21% of the amount of the loan issued.
To get a loan to create or develop a business, you need a well-written business plan. It should reflect a comprehensive assessment of the development of activities, analyze the state of the market, consumer demands, the level of competition and, as a result, the economic efficiency of the project. The article provides and disassembled a sample. How to draw up a business plan for obtaining a loan from a bank To obtain a loan from a bank, a business plan is drawn up so that the bank sees the prospect of project development and, of course, full repayment of the loan on time. First of all, a business plan must be correctly drawn up from a financial point of view: the bank is interested in points regarding collateral, guarantors, debt obligations, the speed of turnover and profit growth. Make a business plan honestly: you should not specifically indicate inflated income growth for the bank. The main thing is to observe systematic growth.
How to describe a business scheme for a bank
In the Banks and Credits section, the Bank asks for written explanations about the specifics of our business. given by the author Alexander Zimenko, the best answer is Hire a competent person, he will write. Only you will have to tell this person about your business, otherwise how will he write? I easily provide this service to my clients by asking a few clarifying questions in advance. Answer from 2 answersHi! Here is a selection of topics with answers to your question: The bank asks for written explanations about the specifics of our business.
sample application for establishing the fact of recognition of paternity tags: Recognition Recognition Help on literature AP Chekhov story Surgery. tags: Literature Chernyshevsky's Victim's Soft-boiled Boots.
Attention
The business process diagram reflects its essence and mechanism of work. To create a circuit, in itself, is not very difficult. It is enough to understand what questions the scheme should answer and adhere to the creation algorithm. If you can't wait to start creating models or don't know where to start, this article is for you.
I want to remind you that before you start describing business processes, you need to establish their boundaries. A list of all the company's business processes is the platform to start with. The algorithm that I present here will be useful to those who are just going to describe business processes. For those who have been trained by me, the article will be an excellent repetition of what has been covered)))) 1 - Set the boundaries of the process Each business process begins and ends with an event. The first thing to do is label the start and end events.
Of course, any employee who has been working in a wholesale company for a long time will say that there are no organizational projects in the company, everything works by itself. This is far from true. agency, as consulting firm, many times I had to develop business schemes together with clients, designed in the form of organizational projects. See the site About designing business schemes. Now imagine an aspiring entrepreneur who scraped together the money for a business plan and was even able to secure investor funds.
He still has so much work ahead of him that he just doesn't realize. Therefore, in addition to the development of investment and business projects, the Agency provides services to entrepreneurs in organizing the activities of a start-up company using project management technology. The agency not only creates the necessary organizational projects, but also conducts trainings for employees on the workflow of the business being created.
Composition of the business plan The business plan should include the following sections:
- summary (summary). It reflects the merits of the project, its profitability, methods of entering the market or expanding within it (if you need a bank loan for business development). This section comes first, but should be written last, in order to summarize the main ideas of all previous sections;
- industry characteristic. The business concept is presented here: information about the company, its products or services (structure, market capacity, growth trends, competition, etc.). The information should be as specific as possible;
- market research and analysis. It is better to draw up this section in the first place, since the prospects for the development of the company and the incentive to draw up a business plan depend on its indicators.
- Categories
- Business Law
- I individual entrepreneur(IP), I produce lumber for construction companies. The bank asked to present in writing the economic meaning of carrying out operations on the account, referring to the Law of 08/07/2001 No. 115-FZ I transferred funds to my personal accounts in other banks within a month in the amount of 1.3 million rubles received from counterparties goods. I have prepared the following response: In accordance with the provisions federal law RF dated 07.08.2001 No. 115-FZ, you asked to explain in writing the economic meaning of conducting operations on your own bank accounts individual opened in other credit institutions.
Response to the bank's request about the economic meaning of operations on the IP account
We chatted with an employee, he said that the bank begins to get excited with a turnover of more than 300 thousand on all cards. Again, on the basis of Mike's letter, an answer was drawn up: To the branch of MTS-Bank PJSC in Moscow.
Rostov-on-Don dated In response to your request No. dated 2015, I inform you the following: The bulk of the funds deposited by me into my current account are my own savings of past years, if necessary, I am ready to provide certificates in the form of 2NDFL confirming my income. You can also make a request to the credit bureaus if you have questions about my financial solvency.
The economic meaning of the operations indicated in the extract from the Internet bank as "MS VPP DEPOSIT FOR MTSBANKMOSCOW RU \ 643 \, Moscow, Moscow," This is nothing more than replenishing your bank card through your own service "Transfer from card to card" .
If, after my message, the authorized employees of your bank have doubts about any of my operations, I ask you to immediately notify me of this by phone +7 and e-mail, as well as provide in writing a list of transactions classified as "doubtful". I look forward to further cooperation with your bank.
Took it to the bank, called back, asked to bring a certificate of 2-personal income tax, brought it. The cards were not blocked, we are working on. Urals Next was the bank UBRD.
The girl said that I was blocked by their security service, and I needed to bring documents. When asked which ones, she answered unexpectedly: “You better know which ones, it’s clear that you are experienced.”
Sample explanation of the economic meaning of ongoing operations sample
I'm not sure if the answer is legally competent enough, could you comment on it or supplement it?
Explanations to the bank: sample document
Minimize Victoria Dymova Support Officer Pravoved.ru Similar questions have already been discussed, try looking here:
- How legal entity respond to the bank's request for an explanation of the economic meaning of account transactions?
- What is the best way to respond to the bank's request with an explanation of the economic meaning of the operation?
Lawyers Answers (1)
- All legal services in Moscow Assistance in obtaining a bank guarantee to secure applications under 44-FZ and 223-FZ Moscow from 15,000 rubles. Complex support of tenders Moscow from 10,000 rubles.
Explanations to the bank
Good evening, Dmitry! You should ask yourself the question on what grounds did the bank have a question for you. Each bank tries to protect itself from an unscrupulous client who can cause irreparable damage to the bank with his activities.
Therefore, the bank has reason to believe that you are engaged in illegal entrepreneurial activity. It is in your interests to provide the bank with information on the movement of funds, and explain that you do not violate the norms of the current legislation. And also for your information: From January 1, 2015, it is set out in new edition paragraph 3 of Art. 76 of the Tax Code of the Russian Federation, which establishes the right of the tax authority to block the taxpayer's account, as well as suspend transfers of his electronic money, in case of failure to submit a tax return within 10 days after the deadline for its submission. Starting January 1, 2015
Banker's blog
Eleksnet, for this I get bonus miles
- FROM payment system I withdraw to the card of the bank "Education"
- From the card "Education" I transfer funds to the card of your bank
- The economic meaning of transactions indicated in the extract from the Internet bank as "DEPOZIT QIWI-RTK MOSCOW RU\643\, Moscow, Moscow,"
- I replenish my Iglobe mile card with my money
- I pay by card for replenishment of the Qiwi payment system, for this I receive bonus miles
- Withdraw from the payment system to your bank card
- I cash out my money and proceed to step 1
Thus, for transactions in the amount of rubles indicated in your application, I received 25,040 Iglobe miles, which at a price of 0.4 rubles per mile (taken from the site Iglobe.ru) is 10,016 rubles.
I use my bank account for its intended purpose - to carry out activities as an individual entrepreneur (IP), guided in my work by the Civil Code of the Russian Federation (part two) of 01/26/1996 N 14-FZ (as amended on 05/23/2016) and other Legislative acts. I hereby inform you that the economic meaning of this operation is to transfer the funds earned by entrepreneurial activity to the household - for the purpose of personal and family consumption and business expansion.
My operations do not carry the risk of loss of business reputation for your bank, were carried out exclusively for lawful purposes, and are in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities. I look forward to further fruitful cooperation with your bank.
Explanation of the economic meaning of ongoing operations sample
Attention
If, after my message, the authorized employees of your bank have doubts about any of my transactions, I ask you to immediately notify me of this by phone such and such and e-mail such and such, and also provide in writing a list of transactions classified as “ dubious." I look forward to further cooperation with your bank.
I took the letter to the bank, attached copies of several checks. The letter was accepted, there were no more calls and further sanctions, the card was not blocked and is still working. Tractor drivers Next was MTS Bank. An employee of the Rostov branch called me and asked me to come to the branch, where he handed me a request on a beautiful letterhead, where I was asked to explain the economic meaning of replenishing bank cards with money and through qiwi and the origin of funds in the amount of about 750,000 rubles. Filmed mostly in cash.
SB put a ban - it's all understandable because they are sitting under financial monitoring, and they have to deal with the size of sleepy operations by closing the account - they just pretend that they are fighting on a new account - it's like a new client, they play such a game at our expense, even after closing the account you as a client - you stay in the ban, and in order for this ban to be removed from you - you need to be loyal, otherwise you will never open a new account, the program will not give you a short time, they selectively choose those who agree to this game and thus allow you to get access to their services at least crookedly those who nevertheless managed to find out exactly what documents were needed had to collect statements from all banks that participated in one or another scrolling scheme. In general, I did not put up with them, I took Mike's letter to them almost word for word, as well as income statements for a couple of years.
This is the economic meaning of operations. All payments were made at the expense of my own savings, payments were made to my personal accounts and accounts in payment systems. If necessary, I am ready to provide information about accounts and phone numbers associated with them.
Operations with cards of your bank were carried out within the limits set by your bank. Thus, my operations were carried out exclusively for lawful purposes, and in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities specified in Law No. 115-FZ. Classifying them as "suspicious" will only worsen the indicators of your bank's involvement in dubious cash and non-cash transactions and lead to the risk of loss of business reputation.
The first is to briefly and accurately formulate the name of the described process, which should be understandable and reflect the general essence of the sequence of actions that make up the business process. For example, instead of "Filing an application for the manufacture of a product into production and monitoring its execution", it is enough to name the process "Control of the production of a product." the sequence of their execution. With such a partition, the described process will be a top-level process. The level of detail of the top-level process may vary, but should be adequate to understand the audience that will use your description. 2 There are several ways to describe a business process.
Business scheme example for a bank
What are the examples of this, because it was promised that they would be? Now let's take a look at one. Imagine a map. In the very center is the main business process.
It is divided into separate components. They are accompanied by a management and support process that ensures that everything is executed as required. This is the process approach. When the work of one element is completed, its developments are transferred to the next.
Description of business processes Examples of this in a general form can be seen throughout the article. But full-fledged documentation is often comparable in thickness to small books (or even large ones if you are studying the work of a giant company).
Modeling of business processes (examples of which are also given here) requires that all operations of the enterprise be as clear and transparent as possible.
Explanations to the bank: sample document
- Where does the business process begin and end?
- What processes does it involve? What is exchanged?
- What operations are performed? In what order?
- Who performs the activities in the process?
- What documents are used and appear in the process? In what operation are these jocuments used/appeared?
- What tools, materials, software and databases are used in the process and in what operations?
- What performance indicators and where exactly are recorded in the business process?
As a modeling notation, I recommend using BPMN A well-prepared diagram should be easy to understand and informative enough. real life.
Business processes: examples and description
Further, a production meeting is held under the leadership of the General Director, the entire package of documents is approved as an organizational project. Creation of an organizational project Position Responsibility in the company Activities for the creation of an organizational project CEO Organization of financial and economic activities Approval of the organizational project Commercial director Supply and sale of consumer goods Selection of participants, schemes of activities, work procedures Financial director Planning and control of financial flows Development of a financing scheme Economist Economic calculations Development of an economic model Accounting Control of financial and economic activities Provision of standard forms financial statements, coordination of the payment scheme Lawyer Legal issues of business Preparation of contracts with participants Conclusion After the organizational project is approved, it begins to be implemented.
Algorithm for building a business process diagram
Most often it turns out that one working team is not enough. What then can be done? To fill the lack of forces, you can attract a temporary group.
It also helps to create a description of how the process functions on this moment time. At the same time, one should strive to identify all the connections between actions, and not fix the smallest details.
Attention
To avoid getting sidetracked, standard process maps and forms can be used. When developing processes, it is recommended to use the method of successive approximations.
In other words, it is necessary to repeat the cycle of improvement actions until an acceptable result is obtained.
Business scheme
The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols for denoting something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's take a look at a diagram made in BPMN (Business Process Modeling Notation) using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are: 1. "Process" (function) - a rectangle rounded at the corners; 2.
Transition" - an arrow connecting processes; 3. "Decision" - a diamond containing a question that can only be answered with "Yes" or "No"; 4. Conditions - text expressions under which the transition from one function to another is carried out.
Conditions are always enclosed in square brackets.
How to write a quality business plan that will be approved by the bank
The structure of the business plan The business plan should be drawn up in such a way that all indicators of the company's activities are considered to the maximum extent, and the creditor (that is, a bank employee who considers the application and is not familiar with the business) can form an objective opinion about the goals of the activity and the reliability of the business . Mandatory sections of the BP:
- Summary: a brief description of the goals and objectives of the project, the sources of its financing, the main consumers and the range of products.
A step-by-step plan for describing a business process
The summary should be of interest to the expert and contain the main parameters of the project under consideration. The resume should be as concise as possible (1 page).
- Description of the business idea. In this section, it is important to conduct a so-called SWOT analysis, which considers all the opportunities and threats for the business, as well as its strengths and weaknesses.
Business scheme example for bank construction company
We write to the bank an explanation of plush transactions - plushki su
Similar notifications about activities as advertising either. I went in an explanatory letter to the bank about the activities of the standard. 
On the one hand, those who work on a simplified tax system and pay income tax do not have to keep track of expenses. 
I used their card to withdraw ale, I used it infrequently, very evenly, since I had already heard about frequent blocking. 
standard information letter on the activities of the company. A letter explaining the purpose of withdrawing foreign currency from rs legal. The main activity of the organization is
Business letters
Please help me write a good letter to the labor inspectorate. 3 and 4, a letter was drawn up stating that the declaration of SP for. the greatest sanctions that may threaten us with the refusal of the bank to work with us. We chatted with an employee, said that the bank begins to get excited with a turnover of more than 300 thousand on all cards.
The bank requires documents referring to its favorite 115-fz - forum
The financial monitoring department that detects these transactions is not earning money, people sit on naked salaries, but if there are bonuses, then they are fixed (like the 13th). so as not to explain each transaction, you can inform the bank in advance that it is unchanged. A letter to the bank stating that cash is normal and. This article applies for failure to appear at the tax authority, and not for refusing to give explanations, which directs attention and the Federal Tax Service of the Russian Federation itself (see I ask you to help write a letter of request to the official portal of the authorities local government d. Banks have begun to become enthusiastic about the legality of clients' income and include the question of the source of funds in questionnaires.
Banks ask organizations for details on many transactions. So what are you actually accusing me of and what are you referring to? 
Banks and anti-money laundering legislation banks ru |
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 So what exactly are you accusing me of and what are you referring to? You are reading between the lines! There, besides the law, there are still a lot of by-laws! I don't have the desire or time to do it. Mention the position you are applying for and how you heard about it, the source of the information. Even if there is no such condition in the contract, then, as practice shows, the bank's security service requires documents within the framework of 115-FZ. In what cases is one day of rest granted, in which cases two days of rest? Hello! For example, I ask you to provide clarification on the application of Art. If you don't like our bank, choose another one! Oh how! This is a statement by the head of the financial monitoring department of inresbank LLC, to paraphrase, as I understand it, my word is the law, if you think differently, I don’t care, if you don’t like it, get out. After talking with fellow hobbyists, armed as a template (thanks to my friend Boris from Volgograd for the link), I wrote a letter of the following content from the bank considering the issue of settling the relationship between the bank and the client upon the fact that the client has carried out operations that may carry the risk of losing business for the bank reputation. Most often, with the help of information letters, they promote the activities of organizations, products, and published literature. |
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The first is to briefly and accurately formulate the name of the described process, which should be understandable and reflect the general essence of the sequence of actions that make up the business process. For example, instead of “Filing an application for the manufacture of a product into production and monitoring its execution”, it is enough to name the process “Control of the production of a product.” The second is to correctly break the entire described process into smaller (“atomic”) tasks or sub-processes the sequence of their execution. With such a partition, the described process will be a top-level process. The level of detail of the top-level process may vary, but should be adequate to understand the audience that will use your description. 2 There are several ways to describe a business process.
Business scheme example for a bank
The commercial department of the wholesale company issues them in the amount of 3 copies. The buyer goes to the warehouse. In the warehouse, he receives consumer goods and 1 copy. issued invoice. Of the 2 remaining invoices, one remains in the warehouse for reporting, the other is transferred to the accounting department of the Wholesale Company.
Contract Wholesale Company-Warehouse The Wholesale Company and the Warehouse enter into an Agreement for the provision of safekeeping services. On the basis of the concluded agreement, the Wholesale Company transfers consumer goods to the Warehouse for storage. The transfer of consumer goods is fixed by the Transfer and Acceptance Act. On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services.
The invoice is issued in advance, for the next month. The wholesaler pays the Invoice. At the end of the month, the Warehouse and the Wholesale Firm sign an acceptance certificate for the delivery of work for the amount of services rendered.
In addition, the Warehouse provides Wholesale Firm monthly report on the actual issued consumer goods.
Business processes: examples and description
However, they also want to always have a stock of goods in stock. Whereas the supply department plans to purchase a narrow range and in large quantities.
After all, in such cases they will work efficiently, and their main indicator will grow (more precisely, the price from the supplier will fall). That is, there is an implementation business process that departments look at differently.
Process approach It considers everything that happens as a set of processes. There are basic and supportive. Each process has its own specific goal, which is subordinate to the task facing the entire company.
Attention
In addition, there is an owner who manages resources and is responsible for the execution of everything necessary. There should also be a system for quality control and error correction.
It goes without saying that no process can proceed without resources. And the list of components is completed by a system of indicators, according to which business processes are evaluated.
Business plan for obtaining a loan
If the loan is large, the reserve becomes a rather serious burden for the bank. Providing a business plan helps to reduce risks, and hence the size of the reserve.
Other cases in which a bank may request a business plan:
- Lending for a long period (on average, from 3 years).
- Use of credit funds for investment purposes (acquisition and construction of fixed assets - buildings, land, equipment).
- Lack of sufficient collateral.
- Short period of activity of the enterprise (less than 6 months).
- Obtaining loans on favorable terms (for example, subsidizing agricultural producers).
A business plan may also be needed when obtaining a standard loan. In this case, the entrepreneur can provide it as additional information about the business to reduce the risks of the bank and, consequently, the interest rate on the loan.
How to write a quality business plan that will be approved by the bank
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This means that after receiving and using the loan in full, the company must extract sufficient profit to continue doing business without borrowed funds (use the loan effectively). The main nuances that should be considered when developing a business plan: 1.
The plan should take into account the most pessimistic expectations (falling exchange rates, increasing taxes on the company's activities and its property, a significant drop in demand, high level inflation, one-time dismissal of a large number of employees, etc.). Employees of the credit department of the bank will check the document not only for the correctness of the calculations, but also for compliance with the real state of the market.
If the trends in the economic situation are such that the business may be at risk, the bank will have additional questions for the entrepreneur.
Description of business processes: the pursuit of simplicity
Market analysis includes data on consumers of the company's products or services (both active and potential) and what the "seller" can offer to the "buyer";
- enterprise economy. Planning a production development strategy is not complete without economic indicators enterprises.
The section contains data on the estimated gross profit, taxes, types of costs and ways to reduce them; - marketing plan. It involves the company's methods to achieve the required level of sales. Try to embed in overall structure market, the distinctive features (or better advantages) of your product, which will allow you to bypass competitors. It is advisable to compare your activities with competitors in order to clearly demonstrate the promotion of your product or services relative to others;
- technical improvement.
The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to denote something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's take a look at a diagram made in BPMN (Business Process Modeling Notation) using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are: 1. "Process" (function) - a rectangle rounded at the corners; 2. "Transition" - an arrow connecting processes; 3. "Decision" - a diamond containing a question that can only be answered with "Yes" or "No"; 4. Conditions are text expressions under which the transition from one function to another is carried out. Conditions are always enclosed in square brackets.
How to describe a business scheme for a bank
If a promising picture emerges, taking into account all kinds of risks, the bank will most likely give you a loan to implement or expand your business. Tip: do not overestimate the amount of the loan to compensate for unnecessary expenses, take exactly as much as you need. Record the implementation of borrowed funds in financial terms so that the bank can see where its money goes;
- applications. Any information that is not included in other sections of the business alan is included in the annexes.
If the bank sees good potential in the business plan and the ability to quickly repay the loan, it may itself offer to finalize it.
Therefore, make a plan with all responsibility, both to the creditor and to yourself. A business plan is drawn up in detail, but with clear explanations of the described business.
As a result, it should be clear to both you and the bank.
A discount factor is applied to estimate cash flows in subsequent years. The main mistakes made in a business plan:
- lack of market forecasts, realistically substantiated data on demand and conjuncture;
- technically complex projects that are difficult to implement in the conditions of the Russian economy;
- lack of necessary qualifications of the project initiators;
- overestimation of forecast income levels (unless this is justified by any objective data, for example, a signed contract with buyers);
- too optimistic views on market trends (1% inflation, depreciation of foreign exchange, expectations of subsidies from the state, etc.);
- too much "water" in the business plan.
You can view detailed recommendations and requirements for a business plan on the websites of banks, for example, Vnesheconombank (veb.ru) - download in pdf format.
From the point of view of business process management, a document is information on any information carrier. Email, report, presentation, SMS - all these are documents. Sometimes it is necessary to display intermediate products. These are blanks, semi-finished products, or simply important parts of the work that pass from one process block to another. Add them at this stage. Of necessity. 6 - Add used programs and databases The process should reflect which programs and databases it uses. 7 - Arrange tools and materials If tools and/or materials are used in the process, this should also be displayed. The main points can be identified on the business process diagram. A detailed description is best given in the comments and special sections of the description. A great option is to draw up a diagram focused specifically on the use of tools and materials.
- Where does the business process begin and end?
- What processes does it involve? What is exchanged?
- What operations are performed? In what order?
- Who performs the activities in the process?
- What documents are used and appear in the process? In what operation are these jocuments used/appeared?
- What tools, materials, software and databases are used in the process and in what operations?
- What performance indicators and where exactly are recorded in the business process?
As a modeling notation, I recommend using BPMN A well-prepared diagram should be easy to understand and informative enough. real life.
