Ulawulo lwemali.

Nawuphi na umsebenzi wezoqoqosho, nokuba ngaba ukusebenza komsebenzi okanye ukusebenza kweenkonzo ezahlukeneyo zoluntu kubemi nakwamanye amashishini, unokuhlawulelwa ngeendlela ezahlukeneyo, kuquka imali. Ingaba, umzekelo, iinkonzo zokulungiswa kwezixhobo zendlu, iinkonzo zokunyusa izinwele, iinkonzo zekhompyutha kunye nezinto ezinjalo. Ukuqinisekisa ubungakanani bempahla yeemali, isetyenziselwa umyalelo wolawulo lomthetho olungiselela inkqubo yokusebenzisa ulawulo lokulawula i-supervisory control over the full and accounting of accounting for cash received from the population and non-cash cash assets through cards.

Uqeqesho lwemali lubonelela ngamanyathelo okulawulwa kwemveliso, okwenziwa ngexesha elithile. Umyalelo wemisebenzi (ukufumana kunye nenkcitho, ukugcinwa kwemali kwideskithi yemali) ilawulwa yi-Bhanki Ephakathi yeRussia Federation. Kwimibutho encinci yemibutho, umsebenzi wekheshi uqhutyelwa ngumgcini-mgcini-mali odibanisa imisebenzi yomqeshi, kunye kunye nomsebenzi wakhe oyintloko. Ngomqeshwa owenza imisebenzi yesikhokhelo, isivumelwano sombopheleleko sigqityiwe. Oku kubangelwa kukuba libeka uxanduva lwemali lokuqinisekisa ukhuseleko lwemali.

Ekuqaleni kwonyaka ngamnye wokunika ingxelo, nayiphi na inkampani ihlaziya iilayathelo ezilandelayo. Lo ngumyalelo wokuvuma umgaqo-nkqubo wokubaluleka wonyaka okhoyo, umyalelo kunye noluhlu lwabasebenzi olubonisa i-FOT jikelele yombutho kunye nemivuzo eyahlukeneyo yezithuba, umyalelo wokuqeqeshwa kwemali kunye nemisebenzi esebenzayo yabashibi. Zonke ezi myalelo zigqityiwe kuqala kubasebenzi beekheshi zemali ukuze bafunde, ngoko ke kwisebe le-accounting elijongene neenjongo zokuphendula. Kwaye abashibi abasebenza ngemali, baqhelane nala maphepha athile.

Uqeqesho lweengxowa-mali lubonelela ngemali yokuthengwa kwemali kwisakhiwo esisetyenzisiweyo - ii-desk cash cash, ezixhotywe ngokhuseleko lwezinyithi kunye nomnyango ongenamlilo. Ngokwemiyalelo kunye nenkqubo yokuqhuba imali eyenziwe yiBhanki Ephakathi, umyalelo ukhishwe ukuseka umda wemali ekupheleni kwemini yokusebenza. Ukuphunyezwa kwemisebenzi ye-cashashi inokuphathiswa kumntu okanye umgcini-akhawunti ongenxulumene nomsebenzi wakhe oyintloko kunye nokubala kokubala, okanye ngqo kumlawuli wequmrhu. Kule meko, umyalelo ohlukeneyo wenzela ukunikezela imisebenzi ehambelana nokuziphatha kwemali kumntu othize enegama eligunyazayo. Ngokomzekelo, ngenxa yokungabikho kwesimo se-cashier kwisetafile sabasebenzi, ndinika imisebenzi yomqeshi kum (umlawuli).

Umsebenzi (iinkonzo) zeemali zemali zinomlinganiselo omkhulu weendawo zokuhlala phakathi kwamaziko amabini asemthethweni, phakathi kwe-LLC kunye no- entrepreneur (IP), okanye phakathi kwe-IPs ezimbini. Lo mda, ngokwemiyalelo ye-CBR, usekwe kwisixa sama-ruble ayikhulu lamawaka. Zonke iindawo zokudibanisa kunye nokuthengiselana kwexabiso elimisiweyo kufuneka zenziwe kwifomu engekho imali.

Uqeqesho lweengxowa-mali lukwabonelela ngeentlawulo zemali zeenkonzo ezinikezelwe okanye umsebenzi oquka ukusetyenziswa kweirejista zemali ezibandakanyiweyo kummandla. Irejista yeCCP.

Ukuhlolisiswa kwemali yengeniso ngokuhlolwa kweerhafu kunokwenziwa ngendlela yokuhlolwa okucwangcisiweyo. Ngethuba elifanayo, ukwenzela ukuba uqinisekise ubungqamaniso kunye ne-CMC, amaziko okuhlola aqale ahlole onke amaxwebhu atholakalayo ahambelana nokuthenga nokubhaliswa kwerejista yemali kunye nokuthunyelwa kwayo. Iphepha lemihla ngemihla yecashier lifundwe ngokupheleleyo kwiintsuku zonyaka ophicothiweyo, zonke izenzo zokubuyisela imali kubathengi ziphakanyisiwe, z-iingxelo zinyatheliswa kwimemori yezemali zeCCP, khangela iinkcukacha kwiphepha kunye nabalingane babo bekhompyutheni bahlolwe. Iimyalelo ezingenayo neziphumayo, iingxelo zangaphambili, iincwadi zemali kunye nokufundwa kweemitha ze-CMC zihlolwe. Idatha efunyenweyo iyafaniswa nemali yengeniso eboniswe kwingxelo yerhafu yoshishino ukuchonga isiseko esicwangcisiweyo.

Kuwuphi na ishishini, uqeqesho lwemali lulungiselela ukusetyenziswa kweefom zee-accounting zehlobo oluthile lokuqhuba imali. Oku kungabhalwa kwiincwadi zeeRhafu zoRhumo zeRhafu ezenzelwe ukwamkela imali. Ingakuhlola iCCM. Xa ukhupha umvuzo okanye imali ehambahambayo, usebenzisa iimvume zamaphepha entlawulo, okanye uluhlu lweenkcitho. Xa imali ifunyenwe kumaziko emboleko okanye xa imali ifunyenwe ngokukodwa kumxhasi, iifowuni ezingenayo ziyasetyenziswa. Wonke amaxwebhu angenayo naphumayo anegunya lokumisela: igama lebhizinisi, umhla, isiseko sokufumana okanye ukukhupha, kuye (igama elipheleleyo) kunye nokuba likhulu kangakanani (ngamagama kunye namanani). Kwimaphepha emali akukho nalungiselelo yokwenza naziphi na izilungiso. Yonke imiyalelo okanye izitatimenti kufuneka zenziwe ngokucacileyo, ngaphandle kweeblothi. Xa kwenzeka ukukhutshwa kwemali kumntu ongenalo ithuba lokufumana kwi-cashier kumntu, kunokwenzeka ukukhupha imali kummeli wakhe kumagunya angabonakali-ngxelo yomntu, eliqulethe idatha yepaspoti yaloo mntu, ixesha leli gunya lommeli, kunye neentlobo zengeniso ezifunyenweyo phantsi kweli xwebhu.