Credit kungiya ta kashin: bashi yanayi, takardun

Credit kwadago sun kasance rare da yawa a baya, kuma bai rage gudu da taki da kuma yanzu. Duk da haka, ba kowane borrower fahimta cewa wannan shi ne domin ci gaba da kuma yadda shi ya bambanta daga wata al'ada banki. Duka yi na bayarwa rance, amma suna sha bamban.

Dalilin da bashi jam'iyya

Da farko kana bukatar ka fahimci cewa bashi kungiya ta kashin, bashi hadin ko m bankunan ba su sayar da kungiyoyi. Wannan tsarin ba sa da wani aiki a wani riba daga bayarwa bashi. Credit Union samar da taimakon kudi ga wadanda suka bukatar taimako da kuma mambobi ne na al'umma. Don shiga cikin irin wannan alliance iya zama kowa, muddin ya views ya zo daidai da wani hadade zamantakewa manufa. Alal misali, 'yan a bashi jam'iyya iya zama ma'aikatan wani kamfanin, da mazauna yankin, ko mutanen da suka raba guda so.

Ka'idar aiki na bashi jam'iyya

Credit kwadago sun zama mashahuri a cikin 90s. Ko da kuwa da jihar na tattalin arziki, wadannan kungiyoyi ya bambanta da kwanciyar hankali. The adadin kudaden da ya girma steadily, don haka mahalarta iya ko da yaushe ƙidaya a kan wani m aro.
A halin yanzu a Rasha akwai fiye da 2500 bashi kungiya ta kashin. Dalilin irin wannan babban shahararsa shi ne sauƙi daga samun wani kananan rance cewa ba ya bukatar samar da wani babban sa na takardun da wani kaso daga cikin darajar wanda shi ne da yawa mai rahusa fiye da wani ciniki banki.

The ayyuka na bashi jam'iyya ne mai matukar sauki da kuma bayyana wa wani mutum a kan titi, kuma haka janyo hankalin mutane. Kowaccen an yarda su yi adibas, barin sa ran samun wani yawan. Idan akwai irin wannan bukatar, sa'an nan da ɗan takara na iya za a tambaye su samar da shi kudi a bashi. Mai ro kammala wani sakamakon tabbatacce, amma akwai da kafa wani takamaiman sha'awa kudi. The adadin kudi bayar da borrower, an kafa daga kudaden ajiyar da masu zuba jari, don haka da cewa karshen sami wani yawan. A cikinta ta'allaka asirin da wanzuwar wannan irin raka'a.

Association of Credit Kungiyoyi

A lokacin da yawa bashi raka'a da marmarin shiga ƙungiyar na bashi hadin Irin wannan ƙungiya shi ne halayyar taimako da kuma daban-daban da sabis da nufin inganta tasiri na m ayyukan da bugun sama da taki na ta ci gaba. Associations na bashi cibiyoyin akwai 2 iri:

1. Regional Council - co-operatives, da wuri daga wanda aka mayar da hankali a daya yankin.
2. National Union - ƙungiyar na bashi kungiyoyin dake ko'ina a Rasha.

Tarayyar bashi hadin - shi ne wani kayan aiki na bashi kasuwar, wanda aiki ne don tabbatar da mafi dadi yanayi da kuma wani babban mataki na bashi ilimi yawan aiki. Hada da ƙungiya buɗe sama bashi m ƙarin kudi da kuma sauran albarkatun, wanda na taimaka wa bayani na da yawa matsalolin da cewa ba zai iya jimre zama ruwan dare bashi jam'iyya. Cikin kewayon ayyuka ne sosai bambancin da kuma dogara a kan bukatun da wani m.

Services bayar da wata kungiya daga bashi hadin

Credit Union Association of yi samar da:

• Fasaha sabis, wanda aka gane kamar: ma'aikacin horo bashi hadin, m gabatarwa a cikin kasuwar, da magance matsalolin da suka shafi yadda ake gudanar da management na m tsarin.
• Financial sabis - shawarwari da nufin walwa na ma'aikata cikin sharuddan liquidity kashe kudi da kuma kudaden shiga da bangarorin na bashi m, kazalika da al'amurran da suka shafi magance alaka da management na jimlar yawan kudaden da a bashi jam'iyya.

Associations na bashi cibiyoyin da mai fadi da kewayon hakkoki da abubuwan da nauyi. Alal misali, yana yiwuwa ya ware wani bangare na kungiyar tarayyar ayyuka:

• taya a cikin shawara na wani memba na m al'amura na jihar ko kasa da kasa dalĩli.
• inganta dokokin takardun.
• cin gaban sabon sabis.
• iko da bashi m ta ayyukan.

Bugu da kari, kungiyar tarayyar bashi hadin inganta yankin da kuma na kasa da tsarin kudi juna taimako. The Association niyyar su gudanar da bincike aikin, babban aiki na wanda shi ne ya samu wani sabon hanyar yin kasuwanci.

The bashi jam'iyya ne daban-daban daga wani banki?

Babban bambance-bambance na bashi jam'iyya daga banki:

1. Ba kamar bankuna, bashi kungiya ta kashin kada ka nemi yin wani riba daga arzikin kudi don bashi.
2. By da samuwar da bashi da sabis zai iya Resort kawai m da kuma abokin ciniki tushe na banki yana da wani hani.
3. Ayyukan da kungiyar tarayyar ba za a dauke jama'a. Kungiyar da kuma abokin ciniki hulɗa tare da juna a kan tushen da membobinsu, su dangantakar ba wani abokin ciniki.
4. bashi jam'iyya memba iya zama wani dan kasa, wani mutum. Bugu da kari, ya kamata su gama daya al'umma, ya kamata su zama saba da juna. A muhimmiyar rawa aka buga da karshen shã'aninku, wanda yana nuna juna alhakin.
5. Credit jam'iyya ba zai iya hadarin da gudunmawar da masu hannun jeri. Income samu ta bashi jam'iyya ya kamata a rarraba a tsakanin masu hannun jeri ko directed zuwa rahusa sabis, cewa shi ne za a canza kama zuwa wajen more yadda ya kamata saduwa da bukatun kungiyar members.
6. Duk wani canji a cikin bashi jam'iyya za a yi yardatayya da yarda da dukan membobin ƙungiyar, ajiyar, bashi da aiki ma'aikatan.

Game da "New Credit Union"

Bankin "Credit Union" shi ne wani hadin gwiwa-stock kasuwanci banki jami'ar, wadda net dukiya iya kira a gwada tsakiyar-sized. Wannan ma'aikata ya wuce na aikin rajista a Moscow. Aka bayyana kudi ma'aikata da farko located in Russian babban birnin kasar.

Babban wuraren aiki da aka fi rayayye tasowa wannan bashi kamfanin, sun hada da:

• arziki na bankin bashi zuwa kamfanoni abokan ciniki.
• aiwatar da banki asusun na doka abokai.
• kiwon kudi daga Rasha jama'a ta hanyar ajiya a banki.

Idan muka magana game da kiri kasuwanci, ana iya ce cewa banki "New Credit Union" ne a wata low matakin na ci gaba.

Wadanda suka kafa na "New Credit Union"

JSCB "New Credit Union" ne a kananan kasuwanci banki tsunduma a rancen kuma don tare kamfanoni asusun. Development na Retail kasuwanci na banki ne kusan ba tsunduma, da hanya tushe hada da mafi na da kansa kudi.

Wadanda suka kafa na bashi da ilimi, kafa a 1994, su ne wadannan abokai:

• CJSC "Inntek".
• CJSC "Luck".
• MP "Intelekom".

Dama don jawo hankalin adibas "New Credit Union" samu a shekarar 2009.

Sa haraji bashi jam'iyya gudunmawar

An yi} iyasin na bashi jam'iyya amince da kula Board wakiltar bukatun da mambobi ne na bashi jam'iyya a lokacin tsakanin janar tarurruka. A kimanta shi ne zama dole domin ya sami damar shirya da kudaden shiga da kuma kashe kudi bangarorin. Babban tushen samun kudin shiga - shi ne gudunmawar da ciyarwarsu hada da abun ciki na bashi jam'iyya da kuma aiwatar da dokokin ƙa'idar da manufofin, bisa laákari da ana tsammanin samun kudin shiga.

Mataki na ashirin da 19 na Dokar kan Credit Kungiyoyi ce cewa bashi jam'iyya ta dukiya hada da: ƙofar kudade, da ake bukata ãdalci gudunmawar, sauran gudunmawar da mambobi na bashi jam'iyya (sai dai adibas sanya a kan ajiya asusun), sadaka gudunmawar.

A n. 4 tbsp. 157 na Tax Code ce ƙofar m, tilas kuma ware gudunmawar da bashi jam'iyya ba shi da damar tattara haraji. A wannan yanayin, da gudummawa samu daga wani mutum ko shari'a mahaluži batun haraji.

shigarwa fee samu a lokacin da barin bashi m ba za'ayi, da kuma biyan rabo da sauran biya dole a sanya daidai da bashi jam'iyya ta yi oda.

A cikin yanayi na halitta

Credit m iya kawai a halitta idan akwai akalla hamsin mutane sõyayya da na kowa sifa. Kowane sabon bashi jam'iyya dole ne a yi da kansa babban birnin kasar, kafa daga rajista kudade na mahalarta.

Kowane m yana daya kuri'a, wanda shi ne ba zai yiwu ba a karya ko canza, shi ba ya dogara ne a kan girman saukar da biyan bashin, ko daga lokacin shigarwa zuwa bashi jam'iyya. Fara a irin wannan samuwar wani mutum wanda ya alamu kusa jam'iyya, kazalika da wanda shawarar cewa a kalla daya daga cikin mahalarta taron. Lokaci zuwa wani hane-hane.

Babban abũbuwan amfãni daga bashi jam'iyya

Irin wannan ƙungiyoyi ne mafi kyau a cewa duk sirri nufin bauta wa yayan daga cikin jimlar babban birnin kasar, kiyaye. A taron na bukatar bashi jam'iyya mambobi zai iya ƙidaya a kan m bashi da ake bukata don magance zaman jama'a, kiwon lafiya, da gidaje da kuma sauran bukatun. Kowane dan kasa wanda ya gudummawar da bashi jam'iyya sami wani kaso a kayyade a cikin shatan.

Credit hadin za a iya idan aka kwatanta da kasuwanci banki aiki tun da suka raba irin wannan ayyuka da kuma iko. Amma akwai tsakanin su da wani gagarumin bambanci, wato manufar da ayyuka na wadannan kungiyoyi. A farko na samar da kudi ayyuka da kuma ba ya bi monetary riba, da kuma na biyu kai tsaye duk da kokarin a kan yin riba.

Abin da kudade dole ne ya biya wani memba na wani bashi m?

All bashi kungiya ta kashin, mabukaci bukatar daga sake shiga abokin ciniki yin kudi, wanda tafi biya kashe:

• Membobinsu fee - wani Jimlar kudi da gudummawar da kowane sabon m, kuma sun ciyar, ya rufe da halin kaka na bashi m da tabbatarda yau da kullum da ayyukan.
• Entry fee. Wannan biyan bashin ne kawai samuwa a cikin wasu hadin Idan wannan takalifi rattaba kalma daga cikin doka, da adadin biya ta m ne zuwa reissue da takardun zuwa gyara data kasance a kan takarda doka ayyuka, da sauransu. D.
• Share taimako - da adadin kudi, juya cikin wani bashi m da dukiyar da ake bukata, don tallafa wa ayyukan da samuwar. Share taimako na iya zama ko dai m, ko son rai.