Ururada Credit: xaaladaha credit, waraaqaha

ururada Credit ayaa caan ka badan sidii hore iyo ma hoos xawaaraha iyo hadda. Si kastaba ha ahaatee, ma deyn kasta oo si buuxda u fahamsan yahay in tani ay tahay u tahay horumarka iyo sida ay u kala duwan ka soo bangiga caadiga ah. Labada dhaqanka ee soo saarista amaahda, laakiin waxay yihiin aasaas kala duwan.

Ujeedada credit union ah

First aad u baahan tahay inay haleelaan xaqiiqda ah in ururada credit, iskaashatooyin credit ama bangiyada iskaashi ma yihiin ururada ganacsiga. Qaab dhismeedka Tani ma gelin hawl in faa'iido ah ka soo saaray credit. Credit Union waxay bixisaa kaalmo dhaqaale kuwa u baahan tahay caawimo iyo xubno ka ah bulshada. Si aad u galaan sida isbahaysi noqon kartaa qof kasta, in alaale inta views uu beegantay mabda'a bulsho midaysan. Tusaale ahaan, xubno ka mid ah ururka credit ah waxaa laga yaabaa in shaqaalaha shirkadda gaar ah, dadka degan degaanka ama dad ah oo wadaaga hal hamiday ah.

Mabda'a hawlgalka of credit union ah

ururada Credit u noqday caan 90s ka. Marka laga gobolka ee dhaqaalaha, ururadan ku kala duwan yihiin xasiloonida. Caddadka lacag dhigaal ah ayaa si tartiib ah u koray, si ay ka qaybgalayaashu had iyo jeer tirin yaabaa inuu amaah wanaagsan.
Currently ee Russia waxaa jira in ka badan 2500 iskaashatooyinka daynta. Sababta oo kale caan sare waa istareexsan ee helitaanka amaah yar oo aan u baahnayn bixinta set badan oo ah waraaqaha iyo boqolkiiba qiimaha oo uga jaban tahay bangi ganacsi.

The hawlaha ururka credit waa mid aad u fudud oo cad in nin kasta oo jidka, oo sidaas daraaddeed soo jiidata dadka. qaybgale kasta waa la ogol yahay in la sameeyo kayd, jidaynayey filan si ay u helaan boqolkiiba gaar ah. Haddii ay jirto ahaa baahi noocan oo kale ah, ka dibna ka qaybgalaha waxaa laga yaabaa in codsaday in ay isaga bixiyaan lacagta deynta. weyddiisato oo intooda badan dhameystirtay natiijo fiican, laakiin waxaa jira abuuritaanka heerka xiiso gaar ah. Xaddiga lacagta la siiyo amaahdaana, waxaa la aasaasay ka lacagta shubo by maal, si dambaysta ah ka qaataan boqolkiiba qaarkood. Dhexdeeda been qarsoon oo jiritaanka noocan oo kale ah unugyada.

Ururka LO Credit

Waqtigan xaadirka ah unugyo badan oo credit aad u jecel yihiin in ay ku biiraan urur ee iskaashatooyinka credit. urur noocan oo kale ah waa gargaarka sifo iyo adeegyada kala duwan ee loogu talagalay horumarinta waxtarka hawlaha iskaashiga iyo ilaa dedejiyo xawaaraha ee ay horumarka. Ururada hay'adaha credit waxaa jira 2 nooc:

1. Golaha Regional - co-howl, meesha taas oo ku urursan ka mid ah gobolka.
2. Midowga Qaranka - midowga ururada credit ku yaal meel kasta oo Russia.

Iskaashatooyinka credit Union - waa qalab suuqa credit ah, oo shaqadoodu tahay si loo hubiyo in shuruudaha ugu raaxo iyo Heer sare ah ee wax soo saarka waxbarashada credit. Isku ururka fureysaa iskaashato lacag dheeraad ah oo maaliyadeed iyo mid kale oo khayraadka, taas oo ku kordhinaya xalka dhibaatooyin badan oo aan la qabsan kartaa credit union go'doon. kala duwan ee adeegyada waa mid aad u kala duwan oo ku xiran tahay baahida iskaashi ah.

Adeegyada ay bixiyaan urur ah iskaashato credit

Credit Union Association of dhaqanka bixiyaan:

• adeegyada farsamada, taas oo la fahamsan yahay sida: Iskaashatooyinka credit tababarka shaqaalaha, dhiirrigelinta iskaashiga suuqa, wax ka qabashada arrimaha la xiriira hawlaha iyo maareynta nidaamka iskaashi.
• Adeegyada maaliyadeed - wadatashi loogu talagalay computerization shaqaalaha marka la eego kharashka hantidooda iyo kooxaha dakhliga ee iskaashi credit ah, iyo sidoo kale arrimaha la xiriira wax ka qabashada maamulka tirada guud ee lacag dhigaal ah ee credit union ah.

Ururada hay'adaha credit leeyihiin tiro balaadhan oo ah xuquuqda iyo waajibaadka. Tusaale ahaan, waxaa suurtagal ah in loo qoondeeyo oo qayb ka ah hawlaha Midowga ee:

• caawiyo in tixgelin ah ee xubin kasta oo ka mid ah arrimaha iskaashiga ee gobolka ama caalamiga ah amar,
• horumar of waraaqaha sharciyeed;
• horumarinta adeegyada cusub,
• control of hawlaha iskaashiga credit ee.

Intaa waxaa dheer, iskaashatooyin credit Union wanaajinta nidaamyada gobol iyo qaran ee gargaarka labada dhinac dhaqaale. Ururka fulisaa si ay u qabtaan shaqada cilmi, hawsha ugu weyn ee kaas oo ah in la ogaado hab cusub oo ganacsi.

credit union wuxuu ka yimid xagga bangi oo kala duwan?

The kala duwan ugu weyn ee credit union ka bangiga ah:

1. Si ka duwan bangiyada, iskaashatooyinka daynta ma ay doondoonaan inay faa'iido ka bixinta lacag ay ku credit.
2. By formation of adeegyada credit u isticmaali karaan oo kaliya salka saamiga iyo macmiilka ee bangiga ayaa xayiraad lahayn.
3. Hawlaha Midowga ma la oran karo waa dadweynaha. Ururka iyo dhaqmaan macaamiisha leh kasta oo kale oo ku saleysan xubinimada, xiriirkooda ma tahay macmiil ah.
4. xubin credit union noqon karaa oo kaliya muwaadin, shaqsi ahaan. Intaa waxaa dheer, waa in ay midoobaan hal bulshada, waa in ay yaqaanaan midba midka kale. kaalin muhiim ah waxaa ciyaaray by xaalad dambe, taas oo ka dhigan waajibaad labada dhinac.
5. credit union aan halis kartaa qaaraan ah saamileyda ah. Dakhliga la helay by credit union waa in la qaybiyey ka mid ah saamiyada ama si toos ah adeegyada ka jaban, in ay tahay in la beddelaa loola si tayo leh loo daboolo baahida xubnaha ururka.
6. la wada Wixii isbeddel ah ee credit union ku aqbali doonaa dhamaan xubnaha ururka, bankiga, deynsanaya iyo shaqaalaha ka shaqeeya.

Ku saabsan "New Credit Union"

Bank "Midowga Credit" waa hay'ad si wadajir ah-stock ganacsiga bangiyada, kuwaas oo hantida saafiga ah waxaa loogu yeedhi karaa xad dhexe yimaa-. Hay'addani ayaa maray diiwaangelinta rasmiga ah ee Moscow. hay'ad maaliyadeed tilmaamay horrayn ku yaalla caasimadda dalka Ruushka.

Meelaha ugu muhiimsan ee hawsha in ay yihiin kuwa ugu firfircoon uga soo koraya shirkadda credit this, waxaa ka mid ah:

• bixinta deynta bangiga macaamiisha shirkadaha;
• hirgelinta xisaabaha bangiga ee hay'adaha sharci;
• kor u lacagaha muwaadiniinta Ruushka iyada oo kayd bangi.

Haddii aan ka hadlo ganacsiga tafaariiqda, waxa la odhan karaa in bangiga "New Credit Union" waa heerka hoose ee horumarinta.

The Aasaasayaasha ah "Midowga New Credit"

JSCB "New Midowga Credit" waa bangi yar oo ganacsi oo ku hawlan gacansiinta iyo qabsshada xisaabaadka shirkadaha. Horumarinta ee ganacsiga tafaariiqda ah ee bangiga waxaa ficil ahaan ma ku hawlan, saldhigga khayraadka ku jira inta badan lacag u gaar ah.

Aasaasayaasha waxbarashada credit ah, oo la aasaasay 1994, waa hay'adaha soo socda:

• CJSC "Inntek";
• CJSC "Nasiib",
• MP "Intelekom".

xaq u leeyihiin inay soo jiitaan lacag dhigaal ah "Midowga New Credit" helay sannadkii 2009.

Taxation darsaday credit union

Qiyaasaha of credit union u ansixiyaan Guddiga hawlahooda u matalaya danaha xubnaha ururka credit ee muddada u dhaxaysa kulamada guud. Qiyaasta loo baahan yahay si ay u awoodaan si ay u qorsheeyaan dhinacyada dakhliga iyo kharashka. Isha ugu weyn ee dakhliga - waa qaaraan iyo kharashyada ka mid ah content ee credit union iyo hirgelinta ujeedooyinka statutory, oo ku salaysan dakhliga la filayo.

Qodobka 19 ee Xeerka on Ururada Credit sheegay in hantida credit union ayaa waxaa ka mid ah: Fiiga galo, qaaraan caddaalad looga baahan yahay, darsaday kale ee xubnaha ka ah ururka credit ah (marka laga reebo kayd saaray akoonno wax lagu shubto), darsaday samafalka.

In n. 4 Qaadada. 157 ee xeerka cashuuraha ayaa sheegay in iridda qaaraan khasab ah, optional iyo qoondeeyay of credit union uusan haysan si ay u ururiyaan canshuur ah. Xaaladdan oo kale, deeqaha ay ka hesho qof kale ama maado hay'ad sharci oo ah in canshuurta helay.

entry lacag soo laabtay markii tago iskaashi credit aan la fuliyay, iyo bixinta share iyo lacagaha kale waa in la sameeyaa iyada oo la raacayo Xeerka credit union ee.

On shuruudaha abuurka

iskaashi Credit la abuuri karaa oo kaliya haddii uu jiro ugu yaraan konton dadka midoobeen sifo caadi ah. Mid kasta oo ururka cusub credit waa in ay leeyihiin ay caasimada u gaar ah, soo sameeyey ujrada diiwaangelinta ee ka qaybgalayaasha.

saamiga kasta wuxuu leeyahay hal cod, taas oo ah wax aan macquul aheyn in ay jebiyaan ama la bedelo, waxa aanu ku xiran tahay tirada lacagta hoos, ama laga bilaabo wakhtiga galo credit union ah. Bilow formation la mid ah qof kasta oo saxiixaya ururka dhow, iyo sidoo kale mid ka mid ah kuwaas oo lagu talinayaa in ugu yaraan mid ka mid ah ka qaybgalayaasha. Time in ay xayiraad lahayn.

Faa'iidooyinka ugu weyn ee ururka credit

Ururada noocan oo kale ah ayaa ah kuwa ugu soo jiidasho leh in dhammaan hab shakhsi ah u adeegaya dadka deegaanka ee magaalada caasimadda ah ee guud ahaan, la hadhay. Haddii ay dhacdo in baahida loo qabo in xubnaha ururka credit tirin karaa on credit wanaagsan ee loo baahan yahay si wax looga qabto arrimaha bulshada, caafimaadka, guryaha iyo baahiyaha kale. Muwaadin kasta oo uu ka qayb qaatay credit union uu helo boqolkiiba a ku cad dastuurka.

Iskaashatooyinka Credit la barbar dhigi karaa qalliin bangi ganacsi tan iyo markii ay wadaagaan hawlaha iyo awoodaha la midka ah. Laakiin waxaa jira iyaga iyo isbeddel la taaban karo, kuwaas oo ujeedada waxqabadka ururada kuwaas oo u dhexeeya. marka hore waxay bixisaa adeegyada maaliyadeed oo aanu ku eryan faa'iido lacageed, iyo dadaalka labaad si toos ah oo dhan on samaynta faa'iido.

Waa maxay khidmadaha waa inay bixiyaan xubin ka mid ah iskaashi credit a?

Dhammaan ururada shaqaalaha credit, baahida macaamiisha ka macaamiisha dib-u-galo lacag samaynta, oo taga si aad bixiso:

• lacagta xubinnimada - lacag bixiso saamiga kasta oo cusub, iyo bixisay si ay u daboosho kharashka iskaashi credit iyo hubinta hawlihiisa caadiga ah.
• lacag Entry. Lacagtan waxa kaliya ee laga heli karaa qaar ka mid ah Iskaashatooyinka. Haddii waajib this caddeyn in qaynuunkii, caddadka lacag ah by saamiga waa in ruuxa documents-u-habeynta warqad jira ee adeegyada sharciga, iyo wixii la mid ah D..
• Share kaalin - xaddiga lacagta, bedalayo hantida iskaashi credit ee a oo loo baahan yahay si ay u taageeraan hawlaha dhismaha. Share qaaraan noqon karaa khasab ah ama iskaa wax u qabso.