Table of contents (expand)
- The concept and subject of banking law
- Method and system of banking law
- The science of banking law and banking law as an academic discipline
- Banking law norm, norm structure
- Types of banking law norms, their implementation
- Sources of banking law
- Acts of the Bank of Russia
- The effect of acts of banking legislation in time, space and circle of persons
- Banking system of the Russian Federation
- Banking. Banking operations and transactions
- Characteristics of banking legal relations
- Object, content and subjects of banking legal relations
- Legal status of the Bank of Russia
- Governing bodies of the Bank of Russia
- National Banking Council
- Principles of organization and structure of the Bank of Russia. General characteristics of his competence
- Competence of the Bank of Russia in the field of monetary policy
- Competence of the Bank of Russia in the field of cash and non-cash money circulation
- The Bank of Russia as a body of banking regulation and banking supervision, its powers
- Interaction of the Bank of Russia with authorities, its international and foreign economic activity
- Reporting and audit of the Bank of Russia
- Interaction of the Bank of Russia with credit institutions. Bank checks
- Liability of credit institutions
- Credit organizations
- Unions and associations of credit organizations. Banking group and banking holding
- Establishment of a credit organization, preliminary stage
- Signing the memorandum of association and registration of a credit organization
- Constituent documents and authorized capital
- Confirmation of payment of the authorized capital
- Licensing. Refusal to issue a license and state registration of credit institutions
- Peculiarities of establishing a credit organization with foreign investments or a branch of a foreign bank
- Business plan of a credit organization
- Procedure for opening a subdivision and representative office of a credit institution in the Russian Federation
- The procedure for opening and closing branches of a credit institution outside the territory of the Russian Federation
- Features of registration of changes in the name and location (postal address) of a credit institution
- Duties and responsibilities of a credit institution as a participant in tax legal relations
- Liability of Credit Institutions for Certain Types of Offenses
- banking secrecy. Accounting, reporting, audit, antitrust activities of credit institutions
- Bank deposit (deposit)
- Bank account
- Characteristics of types of bank accounts
- Direct and indisputable debiting of funds from bank accounts
- Credit agreement. The procedure for providing funds under a loan agreement
- Loans from the Bank of Russia to credit institutions secured by the pledge of securities. Settlement and cash operations
- Collection of funds and other valuables in credit institutions. Settlement legal relations
- Payment order and letter of credit
- Collection and check
- Interregional electronic payments in the Russian Federation
- Trust property management
- Interbank transactions. Bank deposit insurance
- Currency regulation. Currency and currency values
- Residents and non-residents, their rights and obligations
- Currency transactions between residents and non-residents
- Internal currency market of the Russian Federation. Resident and non-resident accounts
- Currency control
- Taxation of credit institutions
- Taxation of credit organizations on profits of organizations
- Taxation of credit organizations with a unified social tax
- Taxation of credit institutions with corporate property tax
- Taxation of credit organizations with VAT
41. Characteristics of types of bank accounts
According to the bank account agreement, the bank undertakes to accept and credit funds received to the account opened by the client (account holder), fulfill the client's instructions to transfer and issue the appropriate amounts from the account and conduct other operations on the account.
The types of bank accounts were listed in the previous question (settlement, currency, deposit, etc.).
The most commonly used types of bank accounts are settlement and current. In connection with the transition to the treasury system for the execution of the federal budget, banks open accounts for recording income and budget funds of the federal treasury bodies of the Ministry of Finance of the Russian Federation. The main accounts of credit institutions are correspondent accounts and correspondent sub-accounts. Settlement accounts are opened for commercial organizations (economic partnerships and companies, production cooperatives, unitary enterprises). They are used for:
1) crediting proceeds from entrepreneurial activities and making payments related to this activity to suppliers and counterparties in civil law transactions; crediting the amounts of loans received;
2) settlements with employees on wages and other payments; settlements with banks for received loans and interest on them; payments on decisions of courts and other bodies that have the right to make decisions on the recovery of funds from the accounts of legal entities in an indisputable manner; other settlement transactions.
Current accounts are used primarily by non-profit organizations, as well as business entities that are not legal entities. Thus, current accounts are opened: public organizations, institutions and separate divisions of organizations (branches, representative offices).
A foreign currency account is opened for crediting and settlements in cash denominated in a foreign currency. At the same time, foreign currency means banknotes recognized as legal tender in the relevant foreign state.
Banknotes of foreign states, which, in accordance with the legislation of this state, are recognized as withdrawn from circulation or limited in circulation, are not considered foreign currency.
A deposit (deposit) account is intended for storing temporarily free funds. Such an account is opened for a bank client on the basis of a concluded bank deposit agreement.
Under a bank deposit (deposit) agreement, one party (credit institution), which has accepted the amount of money (deposit) received from the other party (depositor) or received for it, undertakes to return the deposit amount and pay interest on it on the terms and in the manner prescribed by this agreement . In accordance with this definition, a credit institution, as one of the parties to a bank deposit agreement, keeps the funds transferred to it by the client, and also pays interest on them in the amount specified in the agreement and undertakes to issue funds to the depositor within the period specified by the parties in the agreement (after specified time or upon request).
According to the bank deposit agreement, the depositor: transfers funds to the credit institution for safekeeping; the right to demand the return of their funds at any time; will receive his funds on first demand, but unless otherwise specified in the contract, if they are claimed before a certain date (in a certain period of time), he loses the right to receive all or part of the interest accrued on the amount of the deposit.
Author: Belousov D.S.
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