Ñõåìà áåçíàëè÷íûõ ðàñ÷¸òîâ â Ðîññèè

Ðàñ÷¸òû, ïðîâîäèìûå                                                                    Ðàñ÷¸òû ïðîâîäèìûå áàíêàìè è

áåç ó÷àñòèÿ êðåäèòíûõ                                                        äðóãèìè êðåäèòíûìè îðãàíèçàöèÿìè:

        îðãàíèçàöèé                                                                                        áðóòòî è íåòòî- ðàñ÷¸òû

                                                                                                                              (

Ïóò¸ì                         Ïîñðåäñòâîì          Âíóòðèáàíêîâñêèå            Ìåæôèëèàëüíûå            Ìåæáàíêîâñêèå

âçàèìíûõ                    îáîðîòíûõ              ðàñ÷¸òû (ïëàòåëüùèê            ðàñ÷¸òû                ðàñ÷¸òû ïî

ðàñ÷¸òîâ                   äîêóìåíòîâ             è ïîëó÷àòåëü ñðåäñòâ                                        êîððåñïîíäåíòñêèì

(êëèðèíãà, (âåêñåëåé,                îáñëóæèâàþòñÿ                                             îòíîøåíèÿì (70,2%)

íåòòèíãà)   âàððàíòîâ è ä.ð)                        îäíèì áàíêîì

                                                                     èëè ôèëèàëîì)

Âíóòðèõîçÿé-                  Ìåæõîçÿéñò-              Ìåæäó ïîä-         Ìåæäó        Ïî ïðÿìûì       ×åðåç òðåòüþ

ñòâåííûå (ìåæäó               âåííûå (ìåæäó           ðàçäåëåíè-          ïîäðàçäå-    (ìåæäó äâóìÿ     êðåäèòíóþ

ïîäðàçäåëåíèÿìè       ïðåäïðèÿòèÿìè          ÿìè îäíîãî          ëåíèÿìè       áàíêàìè)          îðãàíèçàöèþ

ïðåäïðèÿòèÿ               è îðãàíèçàöèÿìè)       êîììåð÷åñ-        Öåíòðàëü-

îðãàíèçàöèè)                                                   êîãî áàíêà           íîãî áàíêà

                                                                             (29,8%)               ÐÔ

                                                                                   Öåíòðàëüíûé                 Êðóïíûé                              Êëèðèíãîâóþ

Ïðèìå÷àíèå.                                                            áàíê ÐÔ -                      êîììåð÷åñêèé          ïàëàòó ( 2,1%)

Óäåëüíûé âåñ ðàñ÷¸òîâ ïîêàçàí                             íàöèîíàëüíàÿ                                                   áàíê

èñõîäÿ èç ñóììû îñóùåñòâë¸ííûõ                       ïëàò¸æíàÿ ñèñòåìà                                                             

ïëàòåæåé ïî äàííûì  ãîäîâîãî îò÷¸òà                   (60,8%)

Áàíêà Ðîññèè çà 1999ã.

Äîëÿ ðàñ÷¸òîâ  ïî ìåæáàí-                                Ñ ó÷àñòèåì Öåíòðàëüíîãî     Áåç ó÷àñòèÿ Öåíòðàëüíîãî

êîâñêèì                                                                     áàíêà ÐÔ                                  áàíêà ÐÔ

                                                                              - áåç äåïîíèðîâàíèÿ               - ñ äåïîíèðîâàíèåì

                                                                              ñðåäñòâ â ïàëàòå -                    ñðåäñòâ â ïàëàòå -

                                                                 1 ìîäåëü êëèðèíã                    2 ìîäåëü êëèðèíãà

Ðèñóíîê 1.1

         Ïëàòåæíàÿ ñèñòåìà Áàíêà Ðîññèè èìååò ðåãèîíàëüíûå êîìïîíåíòû, êîòîðûå ðàñïîëîæåíû è ôóíêöèîíèðóþò â êàæäîì èç 78 òåððèòîðèàëüíûõ ó÷ðåæäåíèé Áàíêà Ðîññèè.

Ïî ñîñòîÿíèþ íà 1 ÿíâàðÿ 2007 ã. ó÷àñòíèêàìè ìåæáàíêîâñêèõ ðàñ÷åòîâ áûëè: 941 ó÷ðåæäåíèå Áàíêà Ðîññèè (ãëàâíûì îáðàçîì, ÐÊÖ), 1302 êðåäèòíûõ (áàíêîâñêèõ è íåáàíêîâñêèõ) îðãàíèçàöèé, 3238 èõ ôèëèàëîâ, èç êîòîðûõ 1011 - ôèëèàëû Ñáåðáàíêà Ðîññèè.  Áàíêå Ðîññèè  îáñëóæèâàëîñü îêîëî 1848 ôèëèàëîâ. Îáñëóæèâàíèå êëèåíòîâ îñóùåñòâëÿëè è 9068 äîïîëíèòåëüíûõ  îôèñîâ êðåäèòíûõ îðãàíèçàöèé.

 ïëàòåæíîé ñèñòåìå Áàíêà Ðîññèè èñïîëüçóþòñÿ íàöèîíàëüíûå áàíêîâñêèå èäåíòèôèêàöèîííûå êîäû è åäèíûå ôîðìàòû ðàñ÷åòíûõ äîêóìåíòîâ. Ïëàòåæè îñóùåñòâëÿþòñÿ êàê ýëåêòðîííûì ñïîñîáîì, òàê è ñ èñïîëüçîâàíèåì áóìàæíîé òåõíîëîãèè.

Ïîëüçîâàòåëÿìè ñèñòåìû ýëåêòðîííûõ ïëàòåæåé Áàíêà Ðîññèè ÿâëÿþòñÿ êðåäèòíûå îðãàíèçàöèè,  èõ ôèëèàëû è äðóãèå êëèåíòû Áàíêà Ðîññèè, èìåþùèå êîððåñïîíäåíòñêèå ñ÷åòà (ñóáñ÷åòà), áàíêîâñêèå ñ÷åòà â ó÷ðåæäåíèÿõ Áàíêà Ðîññèè, âêëþ÷åííûõ â ñîñòàâ ó÷àñòíèêîâ ýëåêòðîííûõ ïëàòåæåé. Ïëàòåæè äëÿ ñîâåðøåíèÿ ýëåêòðîííûì ñïîñîáîì ìîãóò íàïðàâëÿòüñÿ êëèåíòàìè â Áàíê Ðîññèè ïî ñèñòåìàì òåëåêîììóíèêàöèè, íà ìàãíèòíûõ è áóìàæíûõ íîñèòåëÿõ.

Страницы: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41