Tip 1: How to open a credit institution
Tip 1: How to open a credit institution
To open a credit An organization (bank or non-bank CS), it is necessary to have a strong desire, a decent authorized capital, a crystal-clear credit history. What else does it take to open a KO?
You will need
- Gather documents for governmentregistration of a credit institution with the Bank of Russia, as well as to obtain an appropriate license to conduct banking operations. The list of documents includes:
- - application;
- - the memorandum of association and the articles of association of the organization that you are going to open;
- - the original minutes of the meeting of the founders of the organization, which should include information on the adoption of the charter and a list of candidates for the positions of managers (including the chief accountant);
- - certified copies of certificates of registration of founders (legal entities);
- - audit reports on the financial well-being of founders (certified copies);
- - certificates on the absence of debts and liabilities to the tax authorities of all levels for the last 3 years (certified copies);
- - declarations on incomes of founders (individuals), signed by tax authorities (certified copies);
- - questionnaires containing exhaustive information about candidates for positions (education, work experience).
Instructions
1
After submitting these documents, you are required toissue in the Bank of Russia a written confirmation of their receipt. Within six months from the date of submission of documents, you must receive a decision on the decision (from the moment of its issuance, no more than 3 days). Conduct a meeting of founders about the receipt of the decision, make a new one or make adjustments to the old work plan of your KO.
2
Within a month make a full paymentof the authorized capital declared by you to the account opened by the Bank of Russia (in the case of the opening of a non-banking CS, a correspondent account is opened). Obtain a certificate of state registration of KO.
3
Present to the Bank of Russia documents,confirming the full payment of the authorized capital. In 3 days you will receive a license to conduct banking operations with the Bank of Russia (in case of a positive decision).
4
Let's say that there are personnelpermutations. Then within 2 weeks from the date of making changes to the composition of officials, inform the Bank of Russia about this and provide a new list with the application forms. Within a month, the Bank of Russia must notify you of its decision.
Tip 2: How to open a credit card
Until recently, credit cards in Russia were onlyin wealthy people and were considered a sign of good prosperity. However, almost anyone can start a credit card today. The most common cards are VISA and MasterCard, they are issued by all Russian banks.
Instructions
1
Study the proposals of all banks available to youissue of plastic credit cards. Pay special attention to the interest rate, as well as the size of a one-time commission, commission for service and other mandatory payments. Take the calculator and calculate, in what you will manage the very opening of the card, and how many percent will have to repay monthly.
2
Try to find a bank that draws upcredit cards with the maximum grace period. As a rule, this is a certain number of days for which you can return to the card the withdrawn amount without interest. In many banks, such a grace period is from 50 days.
3
Please contact your bank and specify,what documents you will need to provide for a credit card. As a rule, you need a passport, a certificate from the work under form 2 of the Personal Income Tax for the last six months. If the bank is working with your organization on a salary project, that is, you already have a salary plastic card of this bank, be sure to inform about it when registering a credit card.
4
Make an appointment with a bank employee and writea statement (you will be given a form), and also fill out a questionnaire in which you will need to indicate your average income, basic expenditure items, the number of dependents, and so on. Please note that your data will be checked by the bank's security service, and you will be asked to sign a paper stating that you do not mind providing information about yourself to the national credit history bureau.
5
After a visit to the bank, you can call an employeesecurity services and ask additional questions about your credit history. Also, bank specialists can call with test calls to you at work or home. Based on the documents submitted by you and these calls, the bank will make a decision to issue you a card and the maximum amount on it. If the decision is positive, you will be asked to come to the bank's office to sign a credit card agreement and get it on hand.
Tip 3: How to open a L / C
There is a variety of forms of non-cash settlements. They are developing rapidly. The most common are calculations using letter of credit.
You will need
- Bank account
Instructions
1
The letter of credit is inherently a guaranteesecurity and legality of any transaction. The seller instructs the bank to transfer a certain sum of money to the account of another person after fulfilling its obligations. Compliance with the terms of the contract must be documented.
2
The use of this form of payment reduces the risk of non-payment and non-fulfillment of contractual obligations.
3
There are different types of letters of credit. The most frequently used are the following: revocable, irrevocable, confirmed, unconfirmed and renewable. The conditions of the first payer can not be changed without agreement with the payee. The second can be changed unilaterally. In the third case, the bank is fully responsible for payments. Revolver renews with regular deliveries of goods.
4
The opening procedure is the same for all species. First, the seller and the buyer agree that settlement of the transaction will be effected through letter of credit. Then the payer turns to the credit organization with two copies of the application for its registration. To do this, he must have his own account (card or deposit).
5
Secondly, the bank clarifies all the details of the transaction,starting from the issues of product transportation and ending with the verification of the correctness of the execution of all documents. In the name of the seller, a special account "Letters of Credit" is opened, which is notified to its owner. In this regard, the bank will transfer funds from your client's account.
6
The payer carefully examines the documents and doesconclusion, whether its conditions suit, and whether it can fulfill them. If there is any doubt, he may ask the buyer to change certain formulations. After agreeing and approving all the points, the letter of credit is signed and sent to the payer.
7
After fulfilling the obligations, the seller sends the supporting documents to the bank. They are checked by the buyer and confirmed in writing. After that, the money is transferred to the beneficiary's account.
Tip 4: How to open a credit agency
Registration of a credit agency, like any otheranother credit organization, is carried out in strict accordance with federal laws "On Banks and Banking Activities" and "On State Registration of Legal Entities and Individual Entrepreneurs". In addition, the activities for the implementation of banking operations should be carried out on the basis of a license.
Instructions
1
To open a credit agency, applya special permit issued by the Central Bank of the Russian Federation. In addition to the above-mentioned laws, study the Bank of Russia instruction "On the procedure for the Bank of Russia to take a decision on state registration of credit institutions and issue licenses for banking operations."
2
Find the candidates for the position of head andchief accountant. Their qualifications are subject to increased requirements: there must be a higher special economic or legal education and experience in supervising work in a credit institution related to the implementation of banking operations. Such length of service must be at least one year. In the absence of a special education, the requirements for seniority are raised to two years. In addition, both the head and the chief accountant should not have a criminal record, and their business reputation must be impeccable.
3
To the founders of the credit agency alsohigh reputation requirements. They should be trustworthy in a financial sense, and the term of their activity in this area should be at least three years. The minimum amount of authorized capital for a newly registered credit non-bank organization is 500 thousand euros. In the presence of such amount and observance of other conditions, write an application and an application for registration and issuance of a license for state registration of a credit institution to the territorial office of the Central Bank of the Russian Federation at the location of the alleged location of the credit agency.
4
In accordance with Ch. 3 Instructions of the Central Bank, attach to the application and petition information on the founders, authorized capital and documents confirming the sources of origin of these funds. Also, the package of necessary documents should include a business plan and a certificate of ownership of the premises where the agency will be located. In his absence - a lease. Do not forget to attach the statutory documents, the memorandum of association, the questionnaires of the candidacies of the head and the chief accountant, a receipt for payment of the state fee for registration and issuance of a license.
