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39. Organization of document flow
The document flow in the bank is approved by the head of the bank.
Regulatory documents establish the following basic requirements for the organization of the working day and workflow in banks:
▪ all settlement and monetary documents received by the bank during the business day are subject to acceptance, registration and reflection in accounting accounts on the same day;
▪ settlement and monetary documents received by the bank after the end of the business day are posted to customer accounts, as a rule, on the next business day. The specific time of completion of the operating day is established by the head of the bank institution.
Acceptance of cash settlement documents from customers during the operating day is carried out directly by accounting and operational employees or in a centralized manner, through special employees. During non-operational time, documents are handed over to the bank through special devices (boxes).
Settlement and cash transactions of individuals (depositors, pensioners, citizens making various contributions) are carried out during the operating day directly by the responsible executor performing the relevant operations.
It makes sense to carry out operations for processing loans and deposits, as well as for the sale of debt obligations, during operating hours, and intra-bank operations in the afternoon.
In view of the foregoing, each bank establishes a workflow schedule, which indicates a specific time (interval) for settlement and cash services, associations, enterprises, business organizations, credit and deposit, as well as interbank and operations and operations in the stock market and the time of passage of documents in all areas of their processing.
The organization of the working day of accounting and operating employees is established in such a way as to ensure the timely execution of incoming settlement and monetary documents and their reflection in accounting on balance and off-balance accounts with the preparation of a daily balance sheet.
The document flow for settlements between banks in banks and cash settlement centers is organized in accordance with the Regulations "On the organization of interbank settlements in the territory of the Russian Federation" and "On the organization of settlements between banks of different republics".
Author: Shevchuk D.A.
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