Banking. Bank transfer (BP). Its role in the non-cash payment system and the organization process (the most important)

Lecture notes, cheat sheets
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Banking. Bank transfer (BP). Its role in the non-cash payment system and the organization process (the most important)

Lecture notes, cheat sheets

Directory / Lecture notes, cheat sheets

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Topic 43. Bank transfer (BP). Its role in the system of cashless payments and the process of organizing

BP - an order from one bank to another to pay a certain amount to the recipient of the transfer (in international settlements, banks carry out transfers on behalf of their clients).

Participants:

1) the transferor - the debtor 2) the transferor's bank that accepted the order, 3) the bank that credits the transfer amount to the transferee 4) the transferee.

In the form of BP, advance payments are made on account of final settlements, payment for collection. BP is carried out by mail or telegraph, respectively, by postal or telegraphic orders.

General scheme:

1) contract for the goods 2) documents accompanying the cargo, 3) application for transfer, 4) payment document, 5) the recipient's bank credits the payment to the recipient's account.

Interbank settlements are the basis of non-cash payments. Currently, they are being built on the basis of a system of inter-branch turnover and cash settlements. A cash account is opened at the Central Bank; local central banks are represented by RCCs, in which CB accounts are opened.

Authors: Shevchuk D.A., Shevchuk V.A.

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