Waraaqaha of credit - Way adag tahay, laakiin aad ugu kalsoonaan karo

Waxaynu dhammaan wada maqalnay in horumarka deggan nidaamka dhaqaale ugu horayn waxa lagu gartaa qaybta bangiyada deggan. Taasi waa sababta ay xukuumadda ee dalal badan oo leh dhaqaalaha suuqa horumaray si xoog leh qayb-qaato horumarinta nidaamka bangiyada ee dalka. Taasi waa sababta oo dhan oo ka mid ah hay'adaha sharci diiwaan hawlan nooc ka mid ah dhaqdhaqaaqa dhaqaale, waxaa looga baahan yahay in ay leeyihiin a hadda xisaab bangi si aad u bixinta ururada, shirkadaha, ganacsatada gaarka ah, hay'adaha maaliyadda, miisaaniyadda iyo lacagta extrabudgetary. Sidaa awgeed ay caanka ah ee lacagta aan lacagta caddaanka ah iyada oo bangiga, taas oo ka mid ah Letter of credit.

dhaqanka World of bangiyada iyo kuwa maxalliga ah sharciyada dalalka ugu, oo ay ku jiraan Ruushka, waxaa jira foomamka soo socda ee waraaqaha si dejinta:

• xisaabaha hoos Credit ah;
• amarada ururinta ;
• qoraalada promissory;
• jeegaga,
• jeega wareega.

Foomka ugu fudud oo ugu caansan ee lacagta la siiyo ganacsiyada iyo shirkado badan oo waa kuwa ugu badan si lacag bixinta. Waa habkan inta badan la isticmaalo fulinta howlaha ee dhulka ka mid ah gobolka. Si kastaba ha ahaatee, haddii aad bilowdo leh macaamiisha shisheeye u shaqeeya, foomkan ma jireyso kugu habboon, oo wuxuu wataa xusuusanayn Letter of credit.

Marka galaya suuqyada shisheeye sida Faraj ee lillaahinimada waa horeba ka yar soo jiidasho leh marka la barbar dhigo isku halaynta sharci iyo dhaqaale. In kasta oo ay xawaalad ganacsiga shisheeye (dhoofinta-dejinta) hubkaas ayaa loo isticmaalaa sida warqad lacagta deynta iyo ururinta, ugu fiican buuxiyey shuruudaha kuwaas oo weli waa warqad of credit. Popular this sidoo kale xisaabinta xaqiiqda ah in isku halaynta ee shirkadaha shisheeye door bidaan in ay ka shaqeeyaan shuruudaha lacag bixinta hoos Credit ah.

Si kastaba ha ahaatee, hay'adaha badan oo sharci aan lagu xallin karin on nooc ka mid ah lacag bixinta, ka fiirsaneysa waa arrin adag oo qaali ah. Si kastaba ha ahaatee, waa in aad had iyo jeer ku bixiso ilaalinta halista, laakiin faa'iidooyinka ay bixiyaan warqadda foomka credit bixinta, sida bixinta 100% ee alaabta la iibiyey iyo waafaqsanaanta 100% ah leh dhammaan shuruudaha iyo xaaladaha heshiiska labada dhinac, waa in la sahamiyey.

Letter of Credit - waa nooc ka mid ah lacagta aan lacagta caddaanka ah, kuwaas oo si buuxda u fuliyeen gacanta Bankiga, sida soo socota:

1. Isagoo u saxiixay heshiis ah, iibiyaha ka hor shixnaddii ee alaabta u baahan tahay wax iibsadaa in warqad of credit furo magiciisa. Iibsadaha buuxiyo looga baahan yahay iyada oo loo marayo bangigaaga.
2. bangiga, taas oo la shaqeeyaa wax iibsadaa warqad of credit furmay (akoonka bangiga ee bangi kale, sida caadiga ah ee bangiga, oo waxaa looga adeegaa iibiyaha), oo lagu wareejiyo lacagta iibiyaha, laakiin aan on account hadda, iyo warqadda of credit. lacagtan aan la heli karin in iibiyaha ilaa aad ka heshid shayga.
3. Baanka ayaa warqad of credit furmay. Tani waxaa la ogeysiiyo in iibiyaha. Kaliya ka dib markii uu ahaa qanacsanahay in lacag by L a / C waxaa ku qoran xisaabta, alaabta loo dhiibaa iibsadaa, iyo dukumiintiga taageraya waxaa loo dirayaa bangiga, taas oo la shaqeeyaa iibiyaha.
4. bangiga wuxuu u soo dirayaa warqadaha bangiga iibsadaha ee si loo xaqiijiyo in ay u hoggaansamaan warqaddii of credit.
5. On ah account hadda liiska Iibiyaha ka dhigan tahay alaabta la iibiyey, iibsadaa diraa dukumiintiga alaabta. Markaas waxaa suurto gal ah si ay u helaan wax soo saarka iyo Wakiil ah waxaa ka mid ah.

Letter of credit dacwana labada iibiyaha (bangiga helo lacagta alaabta ka hor, ka hor dhalmada) iyo iibsadaha (lacag la wareejiyo oo keliya ee si buuxda u waafaqsan heshiiska).

Letter of credit waxaa lagu fuliyaa sida ay xeerarka, taas oo ka mid ah kuwa ugu muhiimsan waxaa lagu xusay, sida faahfaahinta khasab ah iyo waqtiyada. Kuwani iyo shuruudaha kale ee tixraaca warqaddii dukumentiyada credit waxaa had iyo jeer lagu qeexaa iyo nidaam Bank Qaranka ee gobolka. In Russia, xeerarka waxaa laga heli karaa imtixaantid Shuruucda on xawaalad aan lacag caddaan ah.