Trust ayyukan - menene wannan? Misalai Yarda da Ayyuka

List na zamani ayyukan na banki da aka ci gaba da sabunta. Popular yau factoring da kuma yin haya gobe iya daukar wani mayar da wurin zama. Sun ci gaba da kuma mika ayyukan da bankin. Saboda haka, da suka sukan kira unconventional. Yana kuma ya hada dõgara banki ayyukan.

bayani dalla-dalla

Yana da muhimmanci a ware manufar banki "ayyukan" da "ayyuka". A karshen kada su samar da wani albarkatun kada Ka ƙãrã wa wajibai na banki da bukatun, ba dauke da wani kasada, da Saide daga wanda suke kunshe a GDP gaba daya. A cikin irin wannan ma'amaloli, Bankin abubuwa a matsayin wani tsakiya tsakanin abokin ciniki da kuma sauran cibiyoyin kudin.

A wannan alamomin zuwa fitowan da takamaiman aiki ne mai raba gasar a sashi da kuma a cikin kudi kasuwa a general. A girma daga wannan ma'amaloli a wani musamman banki dogara a kan matakin ci gaba da bashi ma'aikata.

jigon

Trust ayyukan - wani fatauci a kan abokin ciniki ta dukiya management, kisa da ayyuka a madadin ta a kan hakkin da ya dace a amince. Su ainihi shi ne abokin ciniki aika zuwa bashi ma'aikata dũkiyõyinsu (ba tare da ikon mallakar) domin amfãne daga zuba jari da kadarori a cikin daban-daban kasuwanni. Tare da wadannan ribar da banki na'am da wani ɓangare na riba a cikin nau'i na hukumar.

A ra'ayi na "dõgara" a cikin translation daga English nufin "dõgara". The ayyukan yi da banki, na bukatar cikakken dõgara a cikin ma'aikata.

Jam'iyyun da ma'amala

A batutuwa da fatauci ne kamar haka:

• The kafa - kamfanin ko mutum wanda ba Canza wurin dukiya da bankin.
• Manajan - a bashi ma'aikata wanda daukawa fitar da irin wannan aiki ne a karkashin lasisi.
• A cikin ni'imar da beneficiary ne cikin yarjejeniyar da kanta.

The abu da fatauci iya zama dukiya ko dukiya hakkokin cewa ya kasance a cikin kafa ta mallaka. Shin a cikakken iko dõgara ake gudanar da kasuwanci banki - shi ne wani fatauci a cikin abin da iko aiki da kansa a cikin ta iko. Arziki yana ma ma'amaloli cewa ya kamata a baya ya amince a kan tare da abokin ciniki.

abũbuwan amfãni

Ba kamar sauran ma'amaloli, dõgara ma'amaloli:

• za'ayi ba tare da yin amfani da nasu kudi.
• Yana bayar da ikon gudanar da babban bankin ba tare da babban hadarin: bankin iya samun hukumar, ko a yanayin unfavorable a cikin kasuwar. ba ta da alhakin duk wani asarar jawo wa kansu a cikin irin wannan yanayi.

Trust dõgara ayyukan suna samuwa a kusan dukkanin bankuna. Babu bukatar bude wani sabon sashen domin gudanar da ma'amaloli. Wasu daga cikin wadannan ma'amaloli, bankuna sun yi a baya, amma suka kira in ba haka ba. ya hada da sabis da Trust ayyukan:

• ajiya na dukiya mai daraja.
• da samun nufin wakili.
• oda mai shi na dukiya bayan mutuwarsa, da sauransu. d.

amfani

Yarda da banki ayyukan - ayyukan tsakanin bashi cibiyoyin da kuma abokan ciniki a cikinsa da banki ya yarda da wajibi don a jefa dukiya zuwa žangare na uku. A abokin ciniki ne m zuwa aika da da dukiya management aiki da kuma samun matsakaicin riba daga irin wannan ma'amaloli. Duk da haka, ya zauna da rightful owner, kuma bankin na da ikon jefa dukiya ga wani lokaci.

iri

• Personal: samuwa ga mutum jama'a.
• Hukumomi: ne bisa yarjejeniya tsakanin mortgagor da sarrafa ko wajibai tsakanin mai shi da kuma dogara kamfanin.
• "Master Trust": masu banki PF ko AMC iko da total ci domin samun matsakaicin kudin shiga.

sirri ma'amaloli

Nau'in na dõgara ayyukan, wanda ake bayar wa mutum 'yan kasa, an rarraba su zuwa babu makawa da revocable. Na farko da kungiyar hada da ma'amaloli ga abin da babba ba za su iya su karbi kwangila, da na biyu, da bi, da fatauci, wanda za a iya katse a kowane lokaci.

A dukiya, wanda aka jera a cikin aiki management, za ka iya resell, canja, ara, jingina. Irin wannan ma'amaloli an halin da ya fi girma bankuna. M dõgara ayyukan - mai dukiya gudanar da ayyuka, wanda ba za a iya resold ko jinginar gida. Irin wadannan ayyuka ne da kamfanonin da cewa samar da shawarwari da sabis.

banki

Credit hukumomin irin dõgara ayyukan yi:

• kiyaye sirri asusun.
• management na Central Bank ga manufar sayarwa ko musayar;
• arziki na depositary sabis.
• wucin gadi mahukuntan kamfanin na tsawon reorganization.
• tarin kudaden shiga a cikin ni'imar da abokin ciniki.

Banks domin irin wannan ma'amaloli:

• ajiye tsabar kudi, Central Bank da kuma sauran dukiya mai daraja.
• zana har lissafin takardu.
• sami biya ta wakili.
• gudanar da saye da sayarwa ma'amaloli na Central Bank, da za'ayi lissafin da kuma samar da shawarwari ayyuka ga zabin da mafi kyau duka fayil na Central Bank.
• samar da tabbacin da garanti.

The bashi ma'aikata daukan kan wasu wajibai. Idan wani ma'amaloli sun marasa amfani baki ɗaya saboda laifi, da banki dole maida abokin ciniki riba. Specific ayyuka wajabta a cikin kwangila. Bankin kafa ta wajen kula da yanayi. Adadin kudin shiga biya zuwa babba a lokacin ajalin da kwangila.

Features

Ma'amaloli suna da za'ayi a kan tushen dõgara ko hukumar yarjejeniya. Yana nuna cewa banki yana aiki a madadin na babba a wata iyaka kewayon batutuwa.

A duniya yi, yadda ake gudanar da za'ayi a cikin hanyoyi daban-daban. Idan doka tsarin dogara ne a kan Anglo-Saxon makirci, da ikon mallakar aka rarraba a kasar tsakanin kafa da kuma manajan darakta. Idan mataki da labari-German (nahiyar) makirci, sa'an nan, kamar yadda a cikin Rasha Federation, da ya dace a amince ikon mallakar dukiya da aka ba da samun.

Trust ayyukan - yarjejeniyar cewa faruwa tare da sosai ruwa dukiya. Wannan shi ne daya daga cikin mafi wuya iri da sabis na bankin. Har ta aiwatar da dogara a kan kasuwar tattalin arzikin da daga gwaninta na wani musamman banki a cikin wannan shugabanci. The bashi ma'aikata za su zama abin dogaro ga wani hasara, kurakurai, wadanda ba yarda da sharuddan da kwangila, m management dabi'u, m bin umarnin. A saboda wannan dalili, a wasu kasashe akwai mai mulkin "m mutum." Evaluation na dõgara ayyukan su a cikin hanyar kamar nasu.

Domin aiwatar da irin wannan ayyuka, da bankin zarginta da wani fee. Its size An wajabta, a cikin yarjejeniyar, dangane da irin ma'amala. A albashin ga management na gado ne m da doka ko shari'a yanke shawara. domin gudanar da kamfanin dillancin ma'amaloli, da Board hada da shekara-shekara gudunmawar samun kudin shiga da kuma gudunmawar da babba a ƙarshe na kwangila. Idan wani banki ya koma zuwa taimako na shamaki ba, kamar dillalai, da girman da albashin samu ta hanyar shi za hada da hukumar matsakanci.

Misalai Yarda da Ayyuka

A cikin kasuwar na rare sabon ayyuka, kamar wucin gadi management na kula da harkokin kamfanin a hali na ta reorganization, management na wani sadaka tushe. An dauke da mafi hadaddun ajiya ajẽwa sabis na Central Bank, su umarni da zuba jari a cikin wasu kadarori. Irin wannan dõgara Sberbank ta ayyukan za a iya za'ayi kawai da taimakon shamaki ba, dillalai, stock mu'amala, zuba jari da kamfanoni. Duk wadannan kudi cibiyoyin yi aiki a matsayin wani wakili tsakanin babba da RZB.

Akwai kuma yadda ake gudanar, da kamfani abubuwa a matsayin wani issuer da banki - a cikin rawar da dila: sayen up hannun jari na kamfanin domin manufar sayar da (underwriting). Wannan shi ne mafi riba da kuma rare da yawa. Domin su aiwatar bukatar wani impeccable suna, karfi da bukatar da Central Bank, da banki ta sa hannu a cikin kasuwar jari.

zuba jari fayil management - shi ne wani misali na dõgara aiki. An muhimmanci shawara lokacin da irin wannan ma'amaloli ne sharuddan da yarjejeniya, da mataki na iko da Bank of Central Bank Corporation, da tasiri a kan yanayin gudanar da riba. Irin kulla bukatar gagarumin horo, amma a lokaci guda ne wani muhimmin tushen samun kudin shiga.

Don a tabbatar da sirrin moriyar abokan ciniki, da bankin yiwu:

• kusa da damar zuwa banki ma'aikata a cikin sassan na cibiyar sadarwa, suna tsunduma a sarrafawar kadara da kamfanin dillancin ma'amaloli a cikin kasuwar jari.
• to ƙarƙashin raka'a na banki dõgara management.
• ware dõgara a rabu da babban ofishin.
• fitowa a rubuta aikin ba ta bayyanar da bayanai game da ma'aikata.

Trust ayyukan a Rasha Federation

Domin ya kara da bukatar da ake gudanar a kan kadara management a Rasha, dole ku:

• inganta inji for ma'amaloli, fasahar hadin gwiwa Securities kasuwa mahalarta tare da bankuna.
• wajen samar da tsari na kammala ma'amala a cikin banki.
• don gudanar da wani aiki zuwa m abokan ciniki.
• yi canje-canje ga dokokin tsarin.

Bari mu zauna a more daki-daki a kan na karshe aya. The Bank of Rasha a hade tare da Association ga kariya na bayanai hakkokin da ajiyar (AZIPI) sun sanya hannu kan wata yarjejeniya samar ga watsuwar da bayanai a kan ayyukan bankuna a kudi kasuwa ta hanyar littafin na balance zanen gado na juna kudi. Idan bayanai da aka boye a wani bangare ko a cika, da Babban Bankin iya haifar takunkumi a kan wani musamman banki.

ƙarshe

Trust ayyukan - a fuskar shugabanci na ci gaban da banki, domin sun kawo karin samun kudin shiga idan aka kwatanta da sauran masauki zažužžukan akwai dukiya da kuma taimaka bashi cibiyoyin gasa tare da masu sana'a mahalarta na Securities kasuwar. Yammacin bankuna yawanci asirce irin raka'a a cikin rassan. Idan bashi cibiyoyin gudanar da wani mutum tsarin kula da kowane abokin ciniki, babu rabuwa na dõgara sabis don gargajiya.