Imisebenzi Trust - yintoni na le nto? Imizekelo Themba Operations

Uluhlu lwemisebenzi zale mihla yebhanki ngokuqhubekayo kuhlaziywa. Popular Namhlanje kahle ezazakhiwe ngomso kungathatha back seat. Baya fezekisa nokwandisa imisebenzi ebhankini. Ngenxa yoko, badla ngokuba engaqhelekanga. Kwakhona iquka imisebenzi zokubhankisha trust.

Okukodwa

Kubalulekile ukwahlula imbono zebhanki 'imisebenzi' yaye 'iinkonzo'. Le yokugqibela ezizo naziphi na izibonelelo musa ukunyusa ngemimiselo neemfuno bank, musa lingaqulathi ubungozi, inzuzo ye ezifakwe kwi-GDP ngokupheleleyo. Kweentengiselwano ezinjalo, ibhanki lisebenza njengomthetheli phakathi client kunye namanye amaziko zemali.

Eyona nto ifunekayo ukuze ukuvela imisebenzi ethile lukhuphiswano olwahlukileyo kwi abangakwaziyo kwaye kwimarike mali ngokubanzi. Umthamo imicimbi enjalo ebhankini ethile ixhomekeke kwinqanaba yophuhliso kwiziko lamatyala.

umongo

imisebenzi Trust - itransekshini kulawulo lwepropati loMthengi, iinkonzo kubulawa egameni layo phezu amalungelo trustee. umongo wazo kukuba umxhasi uthumela kwiziko lamatyala impahla yabo (ngaphandle ubunini) ukuze bazuze kutyalo kweempahla kwiimarike ezahlukeneyo. Ngezi yenzuzo ibhanki ufumana ingxenye yenzuzo ngohlobo ikhomishini.

Le mbono "ithemba" kwi translation evela IsiNgesi lithetha "ithemba". Imisebenzi eyenziwa yi ebhankini, kufuneka sithembele ngokupheleleyo kweli ziko.

Amaqela ku yingisela

Izifundo intengiselwano zimi ngolu hlobo lulandelayo:

• Umsunguli - inkampani okanye umntu idlulisela impahla ukuya elunxwemeni.
• Ukulawula - iziko sentengo uphumeza olu hlobo lomsebenzi iphantsi mvume.
• Bakhetha umntana lo umnqophiso ngokwayo.

Injongo intengiselwano inokuba impahla okanye ipropati amalungelo ezivela ubunini nguyise wakhe. Ingaba kwimisebenzi ngokupheleleyo yolawulo intembeko webhanki yorhwebo - yinto transaction apho ulawulo isebenza ngokuzimeleyo ngaphakathi amagunya ayo. Lukwalungiselela iintlawulo kufuneka ngaphambili ekuvunyelwene ngawo kunye client.

buhle

Ngokungafaniyo nezinye iintengiselwano, iintengiselwano trust:

• yenziwe ngaphandle ukusetyenziswa kwemali yakhe;
• Inika ukukwazi ukulawula Central Bank ngaphandle engozini enkulu: i ibhanki uyakwazi ukufumana ikhomishini, nkqu kweemeko ezingentle kurhwebo; ayinaxanduva ngayo nayiphi na ilahleko ezenziweyo kwiimeko ezinjalo.

Trust imisebenzi trust ziyafumaneka phantse kuzo zonke iibhanki. Akukho mfuneko yokuba ukuvula isebe elitsha ekwenzeni imicimbi. Ezinye zezi ntengiselwano, iibanki lwenziwa ngaphambili, kodwa babebizwa ngenye indlela. kubandakanya iinkonzo imisebenzi Trust:

• ukugcinwa impahla;
• ukufumana indlela proxy;
• iyalele umnini propati emva kokufa kwakhe, njalo njalo. d.

inzuzo

Themba imisebenzi zebhanki - imisebenzi phakathi kwamaziko lwamatyala kunye nabathengi apho ibhanki uyasamkela isibophelelo ukulahla lwepropati kumntu wesithathu. Le iklayenti kuluncedo ukuba adlulisele umsebenzi kulawulo lwepropati kwaye ufumane yenzuzo kwintengiselwano ezinjalo. Noko ke, yena uhlala mnini, kwaye ibhanki igunya ukulahla impahla ixesha elithile.

iintlobo

• Personal: ezifumanekayo abemi ngabanye.
• Yamaziko: kusekelwe kwisivumelwano phakathi mortgagor kunye nomphathi okanye izibophelelo phakathi umnini kunye nenkampani kuthenjwa.
• "Nkosi Trust" uthi: bank PF okanye ulawulo AMC ngu Amanqaku ewonke ukuze ufumane ingeniso ubuninzi.

iintengiselwano siqu

Iintlobo zemisebenzi trust, leyo zinikwa abemi ngabanye, zahlulwe zibe ayinakuguqulwa yaye revocable. Iqela lokuqala luquka intengiselwano apho inqununu akayi kuba nako lokuphelisa isivumelwano, yaye okwesibini, ngokulandelelana, esivumelwano, leyo uphazamiseke nangaliphi na ixesha.

Lo mhlaba, nto leyo idweliswe kulawulo olusebenzayo, unako angathengisa, ukutshintshwa, ukuboleka, isibambiso. Iintengiselwano olunjalo luphawulwa iibhanki ezinkulu. Umsi imisebenzi trust - iinkonzo zolawulo lwepropati, zibe lithengiswe okanye indlu. imisebenzi enjalo iinkampani ezinikezela iinkonzo zengcebiso.

iintengiselwano zebhanki

arhente Credit enjalo imisebenzi trust owenziwayo:

• nokugcinwa akhawunti zakho;
• ulawulo Central Bank ngenjongo sentengiso okanye sotshintshiso okwafikelelwa;
• ubonelelo ngeenkonzo depositary;
• ulawulo okwexeshana lenkampani ngenxa ixesha kuhlela;
• Ukuqokelelwa kwengeniso ngokuthanda client.

Banks okunye ezinjalo:

• wonge imali, Central Bank kunye nezinye izinto;
• lenze amaxwebhu kwengxelo;
• kufumana iintlawulo nge proxy;
• ukwenza ukuthenga nokuthengisa imicimbi ye-Central Bank, kwenziwe izibalo kunye nokunika iingcebiso ngeenkonzo zokukhetha portfolio ngokupheleleyo Central Bank;
• ukunika isiqinisekiso kunye iziqinisekiso.

Eli ziko lamatyala liba izibophelelo ezithile. Ukuba nayiphi na intlawulo baba engeluncedo lwanto ngenxa isiphoso sakhe, ibhanki kufuneka kubuyisela umthengi inzuzo. izenzo ezithile kuchaziwe kwisivumelwano. Bank icwangcisa esebenzisa iimeko yolawulo. Imali yengeniso ehlawulwa kwinqununu ngekota kwekhontrakthi.

iimpawu

Iintengiselwano yenziwa ngokusekelwe trust okanye isivumelwano arhente. Oku kubonisa ukuba ibhanki leyo omele inqununu uluhlu elilinganiselweyo lwemiba.

Ukuziqhelisa hlabathi, imisebenzi ziqhutywa ngeendlela ezahlukeneyo. Ukuba inkqubo yezomthetho isekelwe kwi-Anglo-Saxon scheme, ubumnini isasazwa kweli lizwe phakathi ngumseki kunye umlawuli ophetheyo. Ukuba intshukumo ye (kumazwekazi) scheme inoveli-German, ngoko, njengoko kwi Russian Federation, njengabathenjwa ubumnini bepropati akaneliseki.

imisebenzi Trust - usebenziswano ezithi zenzeke kunye nempahla ulwelo kakhulu. Le yenye yezi ntlobo zinzima iinkonzo zebhanki. Ubungakanani wokuphunyezwa yayo ixhomekeke rhwebo kwaye ukusuka amava webhanki othile apha kweli cala. Iziko credit uya kuba noxanduva lokuhlawula nayiphi na ilahleko, iimpazamo, non-nokuhambelana ngokwemiqathango yesivumelwano, amaxabiso ulawulo nankathalo, engeyizizo elandela imiyalelo. Ngenxa yesi sizathu, kwamanye amazwe kukho umgaqo "umntu nengqiqo." Uvandlakanyo lwemisebenzi trust ngendlela efanayo yabo.

Kuba ukuphunyezwa iinkonzo ezinjalo, i-Bank ibiza imali. ubukhulu kumiselwe kwisivumelwano, ngokuxhomekeke kuhlobo lwesivumelwano. Umvuzo ukuba ulawulo Ilifa ezimiselwe ngumthetho okanye isigwebo. kuba ukubulawa imicimbi arhente, iBhodi ziquka iminikelo yonyaka yengeniso iminikelo inqununu ekupheleni kwekhontrakthi. Ukuba ibhanki yakho iye yakhetha Ngoncedo yabameli, ezifana brokers, ubungakanani yomvuzo ezifunyenwe nguye kuquka umlamli ikhomishini.

Imizekelo Themba Operations

Xa lentengiso iinkonzo ezintsha ezithandwayo, ezifana nolawulo okwethutyana imicimbi yenkampani xa lahlukene yayo, ulawulo yesiseko yesisa. Kucingwa iinkonzo zokugcina elinguvimba olunzima kakhulu ye-Central Bank, ii-odolo zazo nokutyala asethi ezithile. ithemba enjalo imisebenzi Sberbank kaThixo kwenziwa kuphela ngoncedo yabameli, brokers, Stock Exchange, iinkampani utyalo-mali. Onke la maziko zemali asebenze-arhente phakathi kwenqununu RZB.

Kukho kwakhona imisebenzi, ombutho lisebenza njenge sobunyani kunye yebhanki - xa indima umthengisi: ukuthenga up Izabelo nkampani ngenjongo yokuthengisa (yokuqinisekisa). Le deal inzuzo nezaziwayo. Kuba kokuziphumeza kufuneka abalasela, imfuno womelele Central Bank, ukuthatha inxaxheba ibhanki xa imali eninzi.

ulawulo ipotifoliyo yotyalo - ngomnye umzekelo yokusebenza kuthenjwa. Enye into ebalulekileyo xa ukuthenga imiqathango yesivumelwano, izinga kolawulo yeBhanki ye-Central Bank Corporation, impembelelo yayo kulawulo yetyala kunye nenzuzo. nezahlulo zifuna uqeqesho ebalulekileyo, kodwa kwangaxeshanye ngowona mthombo obalulekileyo wengeniso.

Ukuqinisekisa iimfuno zabucala abathengi, i-Bank:

• ukufikelela kufutshane abaqeshwa yebhanki kwi amasebe womnatha, bazibandakanya kulawulo arhente iintengiselwano asethi imali eninzi;
• kwiiyunithi owayamileyo ulawulo trust yebhanki;
• ikhetha ithemba wahlukana-ofisi enkulu;
• akhuphe nengqinisekiso ebhaliweyo ukuba ukuveza ulwazi kubasebenzi.

ukusebenza Kholosa Russian Federation

Ukuze kwandisa imfuno imisebenzi yolawulo lwe-asethi eRashiya, kufuneka:

• ukuphucula indlela imicimbi, iteknoloji nxaxheba intsebenziswano izibambiso emarikeni kunye neebhanki;
• ukuphuhlisa inkqubo ekuqukunjelweni intengiselwano ebhankini;
• ukwenza umsebenzi kubaxumi ezinokubakho;
• wenze utshintsho kwi-sikhokelo zolawulo.

Makhe ihlale ngakumbi kwi indawo yokugqibela. I-Bank of Russia ngokubambisana ne-Association for ukukhuselwa kwamalungelo zolwazi kwabagcinisi (AZIPI) batyikitye isivumelwano obonelela ukubhengezwa data ngemisebenzi kweebhanki kurhwebo lwezimali ngokusebenzisa upapasho eseleyo sheets-mali efanayo. Ukuba ulwazi lufihlwe ngokuyinxenye okanye ngokupheleleyo, i-Central Bank zingawisa izohlwayo kwi ibhanki ethile.

isiphelo

imisebenzi Trust - ngendlela ngokwembono yophuhliso ebhankini, kuba ukuzisa ingeniso ngakumbi xa kuthelekiswa nezinye iindlela zokuhlala asethi ezikhoyo kwaye ukuba amaziko ngetyala ukuba akhuphisane nxaxheba zobungcali imarike izibambiso. iibhanki Western ngokuqhelekileyo cell iiyunithi emasebeni. Ukuba amaziko credit ukuphumeza indlela ngamnye kumntu ngamnye, akukho esekungcoleni iinkonzo trust classic.