Banking. Operating cash (most important)

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Banking. Operating cash (most important)

Lecture notes, cheat sheets

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Topic 85

Operational cash desk - a special subdivision of the Bank that provides settlement and cash services on the territory of the enterprise.

OPERATING CASH needed by businesses that offer goods and services to the public, such as car dealerships, consumer electronics stores, large retail stores, jewelry stores, wholesalers, real estate and travel companies.

The operating cash desk is a universal tool for working with cash and allows:

▪ to pay for goods, pay foreign currency, which is converted into rubles, the ruble equivalent is credited to the organization’s account;

▪ refuse to have your own cash register, which eliminates shortages, daily reports, money counting, registration of cash documents, delivery of cash to the bank, examination of banknotes for authenticity, etc.;

▪ save money by reducing internal costs;

▪ increase the speed of turnover of funds - funds received as payment for goods or services from individuals are credited to the organization’s account “day to day”;

▪ increase the safety of cash handling;

▪ use the additional opportunity to obtain loans from the Bank servicing the operating cash desk;

▪ pay for goods using plastic cards.

The operating cash desk carries out the following operations:

▪ Acceptance of cash from individuals in any currency for goods and services, with their subsequent crediting to the account of a legal entity;

▪ acceptance of payments for goods with transfer of funds abroad;

▪ acceptance and issuance of savings deposits, demand deposits in rubles and foreign currency;

▪ sale and purchase of securities;

▪ foreign exchange transactions;

▪ transfers of funds in rubles and foreign currency with and without opening an account;

▪ payment of cash rubles and foreign currency using plastic cards and traveler's checks;

▪ issuance of funds for employee salaries and social payments, as well as for travel expenses.

The cost of building a ticket office is usually 3 - 5,5 thousand US dollars. The fee for monthly maintenance of the cash desk (daily collection, counting and packaging of cash, software maintenance) will be 750-900 US dollars.

To open an operating cash desk, you need a cash roomcorresponding to the requirements of the Bank of Russia. The cashier's workplace is separated from the customers by a bulletproof armored glass partition, has a special intercom and a cash tray, and is equipped with an alarm button (pedal). Alarm signals are output to the centralized security point or to the duty department of the police station. The cash desk is equipped with the necessary office equipment: computer, modem, printer.

Tariffs for servicing the operating cash desk are set additional agreement. The Bank develops an individual work technology for each enterprise.

Packing, counting banknotes, paperwork and the delivery of proceeds to the collectors of the bank is carried out by the cashier of the operating cash desk.

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

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