BIC: abin da aka kafa da kuma inda za a iya samu?

Idan ka akalla sau daya fuskanci tare da bukatar cika a wata ijãra a kansa takardun na banki, sa'an nan ku cikakken dole cika a filin da ake so a saka cikin BIC m banki. Wannan jingina aka jera a matsayin wajibi ne a kan dukkan bashi cibiyoyin da ya furta a cikin aiwatar da remittances, da zane na biyan umarni, haruffa da bashi da sauransu .. A mafi yawan kasashe, kowane sabon banki da ake sa wani musamman BIC. Mene ne shi, da kuma yadda aka kafa, za ka koyi da karanta wannan labarin.

BIC: wanda Ya sanya shi, kuma abin da manufar

Yana tsaye ga raguwa na jingina a matsayin "Bank ganowa Code" - shi ba ka damar gano kungiyar na yankin iko, kazalika da bayanai game da lokaci na halitta. Haka, sanin da BIC, za ka iya gano wanda shi ne batun na tarayya da kuma lokacin da aka bude.

Domin da rajista na banki ganewa lambobin da babban alhakin banki a kasar - Babban Bankin Rasha. Ya ke kan gudana akai classifier Bykov na Rasha. A kalla wata-wata babban bankin updates da bayanai a kan wadannan kebantu, wanda aka adana a wani musamman directory. The domin na reference, kazalika da sosai tsarin da BIC, gano Dokokin CBR yawan 225P na 2003.

A tsarin da Bika: assort daki-daki

Bari mu dauki wani kusa look at abin da yake a cikin Nir. Mene ne farɗan mai ganowa da kuma yadda aka kafa domin kowane na bashi ma'aikata. Da farko, dole ne a ce cewa akai alama na jingina ne adadin lambobi (ko kuma wajen, ragowa), wanda shi ne ko da yaushe 9. Wannan shi ne zai yiwu a tantance abin da ƙasa ya shafi daya ko wani banki, da kuma takamaiman naúrar (ofishin), wanda ke tsunduma a cikin shiri -kassovym abokin ciniki sabis.

Darajar ragowa Beek

BIC ne ko da yaushe karanta daga hagu zuwa dama. Ka yi la'akari da abin da kowane lambar a tara lambobin na banki ganewa code:

1. A farko biyu lambobi (ragowa 1-2) - ma'ana zuwa banki na zuwa wani musamman bayyana (rajista zuwa kasar). BIC Rasha bankuna ko da yaushe yana farawa tare da lambobi "04".
2. The biyu biyu lambobi (ragowa 3-4) - code a Rasha, raba aikinsa bisa ga National Nau'in (OKATO) raba da abubuwa na administrative-yankin-akai. Wannan code nuna batu na Rasha Federation, inda bankin ke domiciled. Idan wani bashi ma'aikata located waje na Rasha, an saita zuwa "00".
3. Uku da biyu lambobi (ragowa 5-6) - ganewa lambar karkashin wanda wani musamman banki division aiki a cikin shiri cibiyar sadarwa na Central Bank. An canza daga "00" zuwa "99".
4. A karshe uku lambobi (7-9 lambobi) - yawan bashi ma'aikata (ko rassansa) a cikin rabo na Bank of Rasha, wadda ta bude asusun ajiyar. Iya Range daga "050" zuwa "999". Ga tsabar kudi shiri cibiyoyin Bank of Rasha domin wadannan jini (7, 8, 9) da ake sa lamba "000". Domin babban shiri cibiyar - "001". Gama dukan sauran cibiyar sadarwa ƙungiyoyin Bank of Rasha lissafin - "002".

Saboda haka, banki ganewa code na kowane bashi ma'aikata ne na musamman da bai daidaita tare da dacewa da cikakken bayani game da wasu bankuna.

BIC a misali na Sberbank na Rasha

Bari mu dubi wani misali na yadda wannan da aka kafa props. Mafi sau da yawa mu 'yan kasa da sha'awar a BIC banki "Sberbank na Rasha". Yana za la'akari. Bari wannan ya zama babban ofishin, located in Moscow. Ya BIC - 044525225 inda:

• 04 - code na Rasha.
• 45 - code na Moscow.
• 25 - da yawan reshe.
• 225 - Number matukar KO division shiri cibiyar sadarwa CBR. (Yana da muhimmanci a lura da cewa wannan lambar dole ne dole ne yayi daidai da na karshe uku lambobi na asusun ajiyar na abokin ciniki.)

Inda kuma yadda zan iya samun bayanai game da BIC

Idan ka cika a cikin takardun da ake bukata BIC na banki, sa'an nan sami shi ne, ba wuya. Da fari dai, props dole ne dole a sanya a kan website na bashi ma'aikata kanta. A saboda wannan dalili akwai wani daidai sashe - "Details", damar yin amfani da abin da na bude ga dukan. Abu na biyu, wadannan bayanai duk Rasha bankuna suna samuwa a kan official website of Central Bank. Wannan bayani yana samuwa a cikin sashe "Bayani a kan Credit Organizations", ta zabi "Directory" da kuma lilo zuwa ga banki.

Lokacin da muke bukata a BIC?

A BIC ne amfani? Mene ne code (a Bugu da kari ga informant game da yankin iko na bashi ma'aikata) ga bankin abokan ciniki? Wannan dauri jingina da ake bukata domin aiwatar da duk na cashless biya, kazalika da wani na canja wuri / liyafar wajen da kuma hukumar biya. cika a biya takardun ba zai yiwu ba tare da shi.

Saboda haka, da muka riga muka bincika duk da asali bayanai game da irin wannan muhimmanci banki bayani kamar yadda BIC. Yanzu ya kamata ka yi wani ƙunci a kammala takardun idan ka zo fadin wani filin to wanda kana so ka shigar da banki ta BIC.