An example of a business plan for the tax office. Business process diagram for the impatient. Why then do you need a business plan?

Companies often have to deal with different situations– blocking of a current account by the bank, unilateral termination at the initiative of the bank of a concluded service agreement without seemingly obvious reasons, etc.

Since such situations occur, in this article we will talk about what can cause such bank actions and how to avoid them using a tool such as an information letter to the bank. At the end of the article, we will look at a sample letter to a bank about the activities of an enterprise, the form of which can be used in business correspondence With credit institution.

Motives and powers of the bank

Recently, banks have been given the right to study and analyze the transactions of their clients in order to identify their financial activities signs indicating the absence real business, as well as the availability of various tax optimization schemes and income laundering. The list of signs indicating such violations of financial and tax policies is formulated in the provisions set out in Methodical recommendations Bank of Russia No. 18-MR dated July 21, 2017

Thus, within the limits of their own activities, banks not only have the right, but also the obligation to monitor financial transactions on the accounts of their clients, for their full compliance with the standards Russian legislation. Banks are also empowered to request from a client whose activities there are doubts, written explanations regarding the economic component of a particular operation. The banking institution’s response to such a request is an information letter to the bank about the organization’s activities.

Letter to the bank about the activities of the organization: sample document and its structure

The bank’s right and attempts to verify the reality of the organization’s business and activities should be treated constructively. To ensure that a credit institution does not have grounds for applying punitive measures, it is necessary to timely and in accordance with its request provide a letter to the bank about the activities of the organization, the sample of which must meet the requirements of business correspondence and contain the information requested by the bank.

Information letters for the bank belong to the category business letters. The form and sample letter to the bank should :

reply general rules business etiquette, and comply with business correspondence standards;

A typical sample letter to a bank about the activities of an enterprise (organization, company) is not approved by any regulatory acts, therefore, in business correspondence with a credit institution, the form and structure that is provided for in a particular bank with which the agent has a service agreement is used.

As a rule, credit institutions use standard forms of written messages in business correspondence, so we can say that the structure of a sample letter to a bank should have:

details of the sending organization

are indicated in the left corner of the letter. Information (name of the organization, its address and contact numbers, outgoing and date of registration of correspondence) can be printed or indicated by affixing corner stamp organizations. When using a letterhead, only the outgoing number and date of registration of the letter are indicated;

information about the addressee

the official and the name of the bank are indicated;

Title of the document

the title should specify the essence of the content, for example, a letter about changing bank details - an example of a correct title would be as follows: “On changing bank details”;

the presentation of this part must be in a notification form and contain only specific information responding to the bank’s request (if the letter to the credit institution is a response to such), or information about aspects of the activity that require appropriate notification of the bank about them;

application details (if any)

a list of documents required by the credit institution is indicated (for example, to confirm the reality of the business);

position and surname are indicated official, who signed the letter to the bank.

More details about the content of the letter about the organization’s activities

Here are a few examples of the wording of appeals with which you should begin an information letter to a bank, the sample of which meets the requirements of business correspondence:

“In accordance with the request of Bank “XXX” dated 02/01/2019, ref. No. 124/231, we inform you as follows: ..."

the wording is used when writing a response to a request from a credit institution;

“We hereby bring to your attention...” or “We notify (notify) you of...”

These formulations are used in cases where the bank is sent information of a notification nature, for example, about changing details, refusing to renew a service agreement, about the need to change transaction limits, etc.

Sample letter about activity:

Let's give a few more examples of how a company's information letter should be composed in its content.

Example 1 “Change of bank” (a letter, the sample of which should take into account some provisions of the service agreement)

“We hereby bring to your attention that the term of Service Agreement No. 111 dated 03/01/2018 between your bank and Progress LLC expires on 02/28/2019. In accordance with clause “X.XX” of the above agreement, Progress LLC notifies you that it has no intention of extending the agreement in connection with the transition to servicing at the bank KB Nadezhny.”

Example 2 “On changing the head of the enterprise”:

“We hereby bring to your attention that as of February 10, 2019, there has been a change in the head of the enterprise at Progress LLC. The acting director, Ivan Ivanovich Ivanov, was dismissed as of 02/09/2019. As of 02/10/2019, Petrov Petrovich took up the duties of director. In connection with the above, we ask that all payments to the company’s current account from 02/10/2019 be made signed by P.P. Petrov.”

Example 3 “About changing details”:

“We notify you that Progress LLC has changed its details in the servicing bank CB Nadezhny since 02/11/2019. In connection with the above, we provide you with new details and ask, from the moment you receive this letter, to make all payments using the following details:

c/s 30101810400000000146

account number 40176543210000007534 at CB “Nadezhny”, Moscow

BIC 047539146"

A similar letter notifies counterparties of a change in bank details.

(((The prices may seem too high to them, but the income allows. Do we need to make excerpts from the contracts? Did they pay the physicists? Are the amounts large?

If yes, then write a letter that this will not happen again, caused by the current need, blah blah blah, in search of a legal contractor and so on.

Go to another bank, this one is creepy with its requests. Ojavrik, we have big problems with this bank - we are suing. So far, without any questions, only taxes and salaries are carried out, and I’m generally silent about cash. And they don’t give you bank statements - submit your reports as you wish. Open an account in another, transfer all flows there.

If you sue, they will not give you life.

Banks must annually update information about their clients (clause

1.6 Regulations of the Bank of Russia dated October 15, 2015 No. 499-P). The bank also has the right to request information when opening an account and when conducting banking operations (Clause 1, Article 7 of Federal Law No. 115-FZ dated 07.08.01, hereinafter referred to as Law No. 115-FZ)

advocatus54.ru

Special meaning It is worth paying attention to the analysis of the work of competitors, since they are the ones who can significantly complicate the implementation of the project in full.

Legal aspects of organizing an enterprise or implementing a project - costs of legal support, licensing and other costs and possible difficulties, ways to resolve them; Justification of financial costs. One of the most important sections of a business plan.

It is worth considering in detail the need for financial resources, the procedure for their use, depreciation of fixed assets. Often during the application review process, experts can assist in developing and adjusting a business plan. This is especially true for those organizations that demonstrate financial stability and are profitable clients for the bank.

2. Project implementation deadlines should not be too exaggerated or, on the contrary, reduced.

In the event that an entrepreneur plans to take out a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) will be implemented for 1 year, the bank will inevitably have questions about why, given a “smooth” business plan and availability significant profits, the business is unable to repay the loan in 5 years?

And vice versa, if the loan is taken out for 5 years, and the implementation of the project will last 3 years, when reaching the break-even point in the next, 4th year, the lender will ask the question, what incoming payments will be used to repay the loan?

Written explanation to the bank sample

To carry out settlements with the principal, as well as to explain activities to the supplier organization for the shipment of goods, the agent, as a rule, uses a non-cash form of payment.

Comments Having opened a bank account, the agent can use it for settlements with both the customer and suppliers. In order to comply with legal requirements, banks may request clarification from the agent regarding the turnover on the account.

The most common reason for requests is the low tax burden in relation to the total turnover of funds. According to current legislation, the bank has the right to account for an explanation in the event that the activities Who can claim the inheritance after death taxes amount to approximately 1 percent of the Explanation of the volume of transactions.

Considering the specifics of the activity, the turnover of funds in the agent’s current account is quite high.

At the same time, the organization of tax payments is low in relation to the total amount of turnover.

Analysis of the activities of the construction company StroyForest LLC

Main part 2.1 a brief description of organizations Society with limited liability"StroyPlastMontazh" was created in accordance with the decision general meeting members of the company on January 10, 2000, in accordance with the Civil Code Russian Federation, Federal Law of the Russian Federation “On Limited Liability Companies” No. 14-FZ dated 02/08/1998, others regulations Russian Federation and Yamalo-Nenets Autonomous Okrug regulating the creation and activities business entities. The main activity is the construction of industrial and civil facilities, performing the functions of a general contractor.

The company is a legal entity, has an independent balance sheet, current account, round stamp with its full name in Russian and indicating the location of the enterprise, other seals and stamps, forms, company symbols. Full brand name:

Letter to the bank about activities and business reputation

The point here is not at all about formality, but about the relevance of the information.

In modern realities, when life moves very quickly, it is extremely important for financial institutions to have only up-to-date data.

The document should not be out of date, but the date must be indicated - without a date, the letter may not be taken into account at all. Experts recommend that when creating a letter about business reputation companies make the most of specific data.

Generalized information is also not accepted.

Such hackneyed phrases as “reliable and responsible”, “always pays on time” are perceived as empty phrases, but if they are supported by facts (give examples of contracts, indicate the amounts for which they were concluded, the terms within which payments were made, etc.) d.) – the document will become more real and, as a result, it will be accepted. You can also indicate what plans the partner has for further work with your company. In a separate paragraph, it is necessary to highlight,

Business plan letter sample

Supplier: supplies consumer goods with deferred payment Wholesale company: receives consumer goods, sells consumer goods to Buyers Buyers: Purchase consumer goods from the Wholesale company Warehouse: Provides services for storing consumer goods Then we must develop an activity diagram that shows the interaction of all participants. Supplier: delivers consumer goods to the Wholesale company, receives payment for the supplied consumer goods Wholesale company: receives consumer goods from the Supplier, pays them, sells consumer goods to Buyers, pays for warehouse services for storing consumer goods Buyers: Purchases and pays for consumer goods from the Wholesale company Warehouse: Provides services to the Wholesale company for storage of consumer goods, receives payment for services rendered. When the activity diagram is created, you need to describe the sequence of actions to implement the transaction.

informs you that profit

Information letter about the company's activities

Letters can be:

1. open, public (to inform the widest possible range of people).
2. confidential (intended to be read by a specific person);

When creating an information letter, you need to scrupulously monitor spelling and adhere to written standards of the Russian language in terms of punctuation, vocabulary, grammar, etc.

Information letter Moscow 02/15/2015. Dear employees of Aspirin LLC. The management of the organization represented by director Mezhenin M.A.

We must remember the fact that recipients of business correspondence always look at how correctly the information conveyed to them is described.

An illiterate letter can reduce the value of the information contained in it and even undermine the recipient’s trust in the sender. The letter must be written briefly, succinctly, to the point, remembering that “brevity is the sister of talent,” and without the thought running wild. It has been proven that recipients of such letters are not willing to spend more than one minute reading them, which is due to the high pace of modern life.

Response to the bank’s request about the economic meaning of transactions on an individual entrepreneur’s account

St. Petersburg Chat Hello. Your answer is quite worthy, I believe that it does not require adjustments.

Send it to the bank and demand execution of your operation as soon as possible.

Recently a client came across a similar situation.

They didn’t ask for any letters, but they delayed the verification for 2 weeks until they came with a scandal, everything was at a standstill. December 4, 2020, 11:59 Was the lawyer’s response helpful?

0 — 0 Collapse Similar questions

1. August 24, 2020, 11:05, question No. 1733028
2. December 14, 2020, 02:06, question No. 1473072
3. 31 August 2015, 10:47, question No. 959238
4. 08 February 2020, 13:37, question No. 1530953
5. December 14, 2020, 01:21, question No. 1473062

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Tenders for construction works Large construction organizations benefit from such projects.

But even they are not able to cover the entire range of work, and are forced to involve smaller construction companies to fulfill our obligations on time.

Therefore, customers need to be looked for among these construction companies by sending them their own commercial offers. It is better to present your proposal in personal negotiations with a representative of such a company. There is a risk that a letter sent by mail will remain unanswered. The same fate befalls the email.

Important When taking up such a business seriously, it is important not only to provide high-quality services, but also to be able to demonstrate this quality and your ability to perform work at a high level.

You need to advertise your company in all existing forms and methods.

Among them, reviews are very effective.

They share with each other their experience of drawing up explanatory statements addressed to a bank that suspected the company of violating the “anti-money laundering law” 115-FZ.

As a rule, the bank asks for clarifications explaining economic sense operations, the reasons and necessity of making calculations, what forces and means ensure the activities of the organization and describe the scheme of doing business.

Colleagues offer their options.

Romashka LLC (hereinafter referred to as the Company) carries out activities such as hilling flower beds, weaving wreaths and selling ready-made bouquets.
In order to carry out the above activities, the Company purchases ribbons and flowers, and the Company leases hoes and rakes. The main suppliers of the Company are: Pion LLC, Lenta LLC, Hoes and Rakes LLC, IP Zemelkin. Calculations are made within the framework of concluded contracts on the basis of received invoices for payment.
The company rents warehouse and office space at the address:.... according to the agreement with the LLC or individual entrepreneur.
Today the Company has 1 employee. Due to the fact that the Company’s activities are seasonal, GPC agreements are concluded to perform specific volumes of work. Payments for completed work are made in cash from the Company's cash desk (pay slips and cash settlements are attached)
Taxes and contributions have been paid in full and on time. Reporting is submitted in a timely manner in full.

In response to your request for clarification of the economic meaning of transactions carried out on the current account of an Individual Entrepreneur, I report the following.
Main focus economic activity IP xxx is wholesale products OKVED food 46.17. Buyers are enterprises Catering.
Revenue is generated when payments are received from customers.
Profit is formed as the difference between revenue and procurement costs, transportation and other expenses.
Individual entrepreneur xxx finds contractors as a result of business relationships.
Third parties are not involved in the work; there are no hired employees.
Individual entrepreneur xxx owns a motor vehicle - Hyundai porter II state. number xxx
Website link: http://xxx
IP xxx is registered in the Rosselkhoznadzor Mercury system.
Individual entrepreneur xxx from the moment of registration - xxx.2018 - is on a simplified taxation system. The deadline for fulfilling tax obligations will be October 25, 2018 in case of payment of an advance payment under the simplified tax system. The deadline for submitting a tax return under the simplified tax system is 04/30/2019. currently there are no grounds for paying taxes.
Individual Entrepreneur xxx, in addition to a current account with PJSC Sberbank, has a current account with JSC TINKOFF BANK and the CENTRAL BRANCH of VTB BANK (PJSC).
IP xxx is not part of the group of companies and is not an affiliate.
The main counterparties (buyers) of individual entrepreneurs xxx are legal entities. All payments under supply contracts are made by bank transfer. The purchase of goods is carried out mainly in cash at OPC FOOD CITY. In this regard, IP xxx withdraws cash from the current account.
The main counterparties (buyers) are public catering enterprises; supply agreements have been concluded with them:
LLC, INN, Agreement No.

IP xxx. transfers funds to the accounts of individuals, which are the personal funds of an individual entrepreneur
The main assets of IP xxx are accounts receivable from customers and cars vehicle— Hyundai porter II state. number xxx
Individual entrepreneur xxx uses his current account with PJSC SBERBANK according to direct purpose- to carry out their economic activities, guided in their work by the Civil Code of the Russian Federation (part two) dated January 26, 1996 N 14-FZ (as amended on May 23, 2016), Federal Law No. 209-FZ dated July 24, 2007 and others Legislative acts. The economic meaning of transactions carried out on the account is mutual settlements with counterparties, development and the economic growth, as well as making profit from economic activity. Operations carried out by individual entrepreneur xxx do not carry the risk of loss of business reputation for your bank, are carried out exclusively for legal purposes, and are in no way related to the financing of terrorism and other illegal activities.

Attachments to the letter: Contracts with buyers, appendices to contracts, documents for a vehicle, bank statements, documents for cash expenses.

However, you should not be overly optimistic about future activities - failure to comply with the parameters of the business plan may result in sanctions from the lender. Individual entrepreneur without employees, unlike an LLC or other legal entity, no analysis is required management structure and optimize personnel costs. How to correctly draw up a business plan for bank approval of a loan. The business plan of each specific enterprise is unique. Its volume is not so important for a credit institution; the bank must see in it real prospects for the development of the organization, opportunities for repaying the loan in full, as well as the benefits of lending for the overall financial health of the company.

The business plan must indicate sample list providers and consumers of services. Naturally, if we're talking about about opening a store retail– there can be no talk about consumers. But you should definitely consider the proposed suppliers of goods or raw materials for production and indicate their approximate prices.

InfoIt’s great if there are any preliminary agreements on cooperation with suppliers. The list of suppliers and consumers should include:

• Company name;
• work period;
• volumes of supplies or purchases;
• any information characterizing the company as a stable, reliable partner.

4. Real market analytics. If the project is small and the loan amount is insignificant, you can use data from surveys and open publications.

• Marketing. IN marketing plan the volume and profitability of sales, possible consumers should be considered, the sales market and competitors should be analyzed. Particular importance should be paid to analyzing the work of competitors, since they are the ones who can significantly complicate the implementation of the project in full.
• Legal aspects of organizing an enterprise or implementing a project - costs of legal support, licensing and other costs and possible difficulties, ways to resolve them;
• Justification of financial costs.
  One of the most important sections of a business plan.

  Business scheme 🚇 example for a bank

  It is worth considering in detail the need for financial resources, the procedure for their use, and the depreciation of fixed assets.

Business plan for obtaining a loan

In the event that an entrepreneur plans to take out a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) will be implemented for 1 year, the bank will inevitably have questions about why, given a “smooth” business plan and availability significant profits, the business is unable to repay the loan in 5 years? And vice versa, if the loan is taken out for 5 years, and the implementation of the project will last 3 years, when reaching the break-even point in the next, 4th year, the lender will ask the question, what incoming payments will be used to repay the loan? 3.

Description of business processes: the pursuit of simplicity

When lending to legal entities and individual entrepreneurs, especially long-term or for certain investment projects, credit organizations require the provision of a business plan as additional guarantees for the payment of funds. This document is extremely important both for the approval of the application and for subsequent smooth loan payments. In what cases can a bank request a business plan? The main task of the bank is to extract maximum profit from the available own funds without losing part of them due to untimely fulfillment of obligations by borrowers.
Additional losses of the so-called “lost profit” arise with large reservation amounts. According to the regulations of the Central Bank, the amount of the reserve in the absence of a business plan for an organization that is just starting to operate (a “start-up” loan) is at least 21% of the amount of the loan issued.
To get a loan to create or develop a business, you need a well-written business plan. It should reflect a comprehensive assessment of the development of activities, analyze the state of the market, consumer demands, the level of competition and, as a result, economic efficiency project. The article provides and disassembles a sample. How to draw up a business plan for obtaining a loan from a bank To obtain a loan from a bank, a business plan is drawn up so that the bank sees the prospects for the development of the project and, of course, full repayment of the issued loan on time. First of all, the business plan must be correctly drawn up from a financial point of view: the bank is interested in points regarding collateral, guarantors, debt obligations, speed of turnover and profit growth. Draw up a business plan honestly: you should not specifically indicate inflated income growth for the bank. The main thing is that there is systematic growth.

How to describe a business scheme for a bank

In the Banks and Loans section, when asked, the Bank asks for written explanations about the specifics of running our business. asked by the author Alexander Zimenko, the best answer is Hire a competent person, he will write. Only you will have to tell this person about your business, otherwise how will he write? I easily provide this service to my clients by asking a few clarifying questions in advance. Reply from 2 replies Hello! Here is a selection of topics with answers to your question: The Bank asks for written explanations about the specifics of running our business.

sample application to establish the fact of acknowledgment of paternity tags: Recognition Recognition Help with the literature A.P. Chekhov story Surgery. tags: Literature Chernyshevsky has soft-boiled boots as a victim.

Attention

The business process diagram reflects its essence and operating mechanism. Creating a diagram in itself is not very difficult. It is enough to understand what questions the diagram should answer and adhere to the creation algorithm. If you can't wait to start creating models or don't know where to start, this article is for you.

I would like to remind you that before you begin to describe business processes, it is necessary to establish their boundaries. A list of all business processes of the company is the platform from which you need to start. The algorithm that I present here will be useful to those who are just planning to describe business processes. For those who have been trained by me, the article will be an excellent repetition of what has been learned)))) 1 - Set the boundaries of the process Every business process begins and ends with an event. The first thing to do is to mark the start and end events.

Of course, any employee who has worked for a Wholesale Company for a long time will say that there are no organizational projects in the company, everything works by itself. This is far from true. The agency, as a consulting firm, has repeatedly had to, together with clients, develop business schemes, formalized in the form of organizational projects. See the website About the design of business schemes. Now imagine an aspiring entrepreneur who scraped together money for a business plan and was even able to receive investor funds.

He still has so much work ahead of him that he simply has no idea about. Therefore, in addition to developing investment and business projects, the Agency provides services to entrepreneurs in organizing the activities of a start-up company using project management technology. The agency not only creates the necessary organizational projects, but also conducts training for employees on the document flow of the created business.

Composition of a business plan A business plan should include the following sections:

• summary (summary). It reflects the merits of the project, its profitability, methods of market penetration or expansion within it (if a bank loan is needed for business development). This section comes first but should be written last to summarize the main points of all previous sections;
• industry characteristics. The business concept is presented here: information about the company, its products or services (structure, market capacity, growth trends, competition, etc.). Information should be as specific as possible;
• market research and analysis. It is better to compile this section first, since the development prospects of the company and the incentive to draw up a business plan depend on its indicators.

• Categories
• Business law
• I individual entrepreneur(IP), I produce lumber for construction companies. The bank asked to present in writing the economic meaning of conducting transactions on the account, referring to the Law of August 7, 2001 No. 115-FZ. I transferred funds to my personal accounts in other banks within a month in the amount of 1.3 million rubles received from counterparties for the delivered product. I have prepared a response with the following content: In accordance with the provisions Federal Law RF dated 08/07/2001 No. 115-FZ, you asked for a written explanation of the economic meaning of conducting transactions to your own bank accounts individual, opened in other credit institutions.

Response to the bank's request about the economic meaning of transactions on the individual account

We chatted with an employee and said that the bank begins to get excited when the turnover exceeds 300 thousand on all cards. Again, based on Mike's letter, the answer was compiled: B PJSC branch"MTS-Bank" in
Rostov-on-Don from In response to your request No. dated 2015, I inform the following: The bulk of the funds I deposit into my current account are my own savings from previous years; if necessary, I am ready to provide certificates in form 2NDFL confirming my income. You can also make a request to the credit history bureau if my financial solvency raises questions for you.

The economic meaning of the operations indicated in the extract from the Internet bank as “MS VPP DEPOSIT FOR MTSBANKMOSCOW RU\643\ , Moscow, Moscow,” This is nothing more than replenishing your bank card through your service “Transfer from card to card” .

If, after my message, the authorized employees of your bank have doubts regarding any of my transactions, I ask you to immediately notify me about this by phone +7 and e-mail, as well as provide in writing a list of transactions classified as “doubtful”. I look forward to further cooperation with your bank.
I took it to the bank, they called back, asked me to bring the 2-NDFL certificate, and I brought it. The cards were not blocked, we are moving on. Urals Bank UBRD was next.

The girl said that their security service had blocked me and I needed to bring documents. When asked which ones exactly, she answered unexpectedly: “You better know which ones, it’s clear that you are experienced.”

Sample explanation of the economic meaning of the operations being carried out sample

I'm not sure if the answer is legally competent enough, could you comment or expand on it?

Explanations to the bank: sample document

Collapse Victoria Dymova Support employee Pravoved.ru Similar questions have already been considered, try looking here:

• How legal entity respond to the bank's request for clarification of the economic meaning of account transactions?
• What is the best way to respond to a bank’s request explaining the economic meaning of the operation?

Lawyers' answers (1)

• All legal services in Moscow Assistance in obtaining a bank guarantee to secure applications under 44-FZ and 223-FZ Moscow from 15,000 rubles. Comprehensive support for tenders Moscow from 10,000 rubles.

Explanations to the bank

Good evening, Dmitry! You must ask yourself why the bank has a question for you. Each bank tries to protect itself from an unscrupulous client who can cause irreparable damage to the bank through his activities.

Therefore, the bank has reason to believe that you are engaged in illegal entrepreneurial activity. It is in your interests to provide the bank with information about cash flows and explain that you are not violating the rules current legislation. And also for your information: From January 1, 2015, it is set out in new edition clause 3 art. 76 of the Tax Code of the Russian Federation, which establishes the right of the tax authority to block the taxpayer’s account, as well as suspend the transfer of his electronic funds, in the event of failure to submit a tax return within 10 days after the end of the period provided for its filing. Starting January 1, 2015

Banker's blog

Elexnet, I get bonus miles for this

• I withdraw from the payment system to the card of Obrazovanie Bank
• I transfer funds from the Education card to your bank card
• The economic meaning of the operations indicated in the extract from the Internet bank as “DEPOZIT QIWI-RTK MOSCOW RU\643\ ,Moscow,Moscow,”

1. I top up my Iglobe mile card with my money
2. I pay for replenishment of the Qiwi payment system with a card, for this I receive bonus miles
3. I withdraw from the payment system to your bank card
4. I withdraw my funds in cash and go to step 1

Thus, for transactions in the amount of rubles specified in your request, I received 25,040 Iglobe miles, which at a price of 0.4 rubles per mile (taken from the Iglobe.ru website) is 10,016 rubles.
I use my bank account for its intended purpose - to carry out activities as an individual entrepreneur (IP), guided in my work by the Civil Code of the Russian Federation (part two) dated January 26, 1996 N 14-FZ (as amended on May 23, 2016) and other Legislative acts. I hereby inform you that the economic meaning of this operation is to withdraw funds earned by entrepreneurial activity to the household for the purpose of personal and family consumption and business expansion.

My transactions do not pose a risk of loss of business reputation for your bank, were carried out exclusively for legal purposes, and are in no way related to the financing of terrorism, drug addiction, prostitution and other illegal activities. I hope for more fruitful cooperation with your bank.

Explanation of the economic meaning of the operations being carried out, sample

Attention

If, after my message, the authorized employees of your bank have doubts regarding any of my transactions, I ask you to immediately notify me about this by phone to such-and-such and by email to such-and-such, and also provide in writing a list of transactions classified as “ doubtful." I look forward to further cooperation with your bank.

I took the letter to the bank and attached copies of several checks. The letter was accepted, there were no more calls or further sanctions, the card was not blocked and is still working to this day. Tractor Drivers Next was MTS Bank. An employee of the Rostov branch called me and asked me to come to the branch, where he handed me a request on a beautiful letterhead, where I was asked to explain the economic meaning of the operations of replenishing bank cards with moneysend and through qiwi and the origin of funds in the amount of about 750,000 rubles. I rented mostly in cash.
SB put a ban - then all this is understandable because they are under financial monitoring, and they need to fight the size of the sleepy transactions, so by closing the account - they just pretend that they are fighting, and then a new account is like a new client, this is the game they play at our expense, even after closing the account you, as a client, remain in the ban, and in order for this ban to be lifted from you, you must be loyal, otherwise you will never open a new account, the program will not give In short, they selectively select those who agree to this game and thus allow, even crookedly, access to their services. Those who still managed to find out exactly what documents were needed had to collect statements from all the banks that participated in one or another scrolling scheme. In general, I did not put up with them, I took them Mike’s letter almost word for word, as well as income certificates for a couple of years.

This is the economic meaning of operations. All payments were made from my own savings, payments were made to my personal accounts and accounts in payment systems. If necessary, I am ready to provide information about accounts and telephone numbers attached to them.

Transactions on cards of your bank were carried out within the limits established by your bank. Thus, my operations were carried out exclusively for legal purposes, and are in no way related to the financing of terrorism, drug addiction, prostitution and other illegal activities specified in Law No. 115-FZ. Classifying them as “suspicious” will only worsen the indicators of your bank’s involvement in dubious cash and non-cash transactions and lead to the risk of loss of business reputation.

The first is to briefly and accurately formulate the name of the process being described, which should be understandable and reflect general essence sequence of actions that make up a business process. For example, instead of “Submitting an application for the manufacture of a product for production and monitoring its execution,” it is enough to name the process “Control of product production.” The second thing is to correctly break down the entire described process into smaller (“atomic”) tasks or subprocess functions and decide on the sequence of their execution. With such a division, the described process will be a top-level process. The level of detail of the top-level process may vary, but should be adequate to be understood by the audience who will use your description. 2 There are several ways to describe a business process.

Business scheme example for a bank

What are some examples of this, since it was promised that there would be some? Now let's look at one. Imagine a map. At the very center is the core business process.
It is divided into separate components. They are accompanied by management and support processes that ensure that everything is executed as required. This is what will happen process approach. When the work of one element is completed, its work is transferred to the next.
Description of business processes Examples of this in general view can be seen throughout the article. But full-length documentation is often comparable in thickness to small books (or even large ones if the work of a giant company is being studied).
Business process modeling (examples of which are also given here) requires that all enterprise operations be as clear and transparent as possible.

Explanations to the bank: sample document

• Where does the business process begin and end?
• What processes is it associated with? What is being exchanged?
• What operations are performed? In what order?
• Who performs the operations in the process?
• What documents are used and appear in the process? In which operations are these documents used/appearing?
• What tools, materials, software and databases are used in the process and in what operations?
• What performance indicators and where exactly are they recorded in the business process?

As a modeling notation, I recommend using BPMN. A well-prepared diagram should be easy to understand and quite informative. The business process diagram should be understandable to the “man on the street.” The business process diagram, at the description stage, should reflect how the process is performed in real life.

Business processes: examples and description

Next, a production meeting is held under the leadership of the general director, the entire package of documents is approved as an organizational project. Creation of an organizational project Position Responsibility in the company Activities to create an organizational project CEO Organization of financial and economic activities Approval of the organizational project Commercial Director Supply and sale of consumer goods Selection of participants, activity patterns, work procedures Financial Director Planning and control of financial flows Development of a financing scheme Economist Economic calculations Development of an economic model Accounting Control of financial and economic activities Providing standard forms financial statements, coordination of payment schemes Lawyer Legal issues business Preparation of agreements with participants Conclusion After the organizational project is approved, it begins to be implemented.

Algorithm for constructing a business process diagram

More often than not, it turns out that one working team is not enough. What then can be done? To fill the lack of strength, you can attract a temporary group.

It also helps to create a description of how the process works on the this moment time. At the same time, one should strive to identify all the connections between actions, and not record the smallest details.

Attention

To avoid sidetracking, you can use standard process maps and forms. When developing processes, it is recommended to use the method of successive approximations.

In other words, it is necessary to repeat the cycle of improvement actions until an acceptable result is obtained.

Business scheme

The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to denote something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's look at a diagram made in BPMN (Business Process Modeling Notation) using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are:1. “Process” (function) - a rectangle rounded at the corners; 2.

Transition" - an arrow connecting processes; 3. “Solution” is a diamond containing a question that can only be answered “Yes” or “No”;4. Conditions are text expressions under which a transition from one function to another occurs.

Conditions are always enclosed in square brackets.

How to correctly draw up a high-quality business plan that will be approved by the bank

Structure of a business plan The business plan must be drawn up in such a way that all indicators of the company’s performance are considered to the maximum extent, and the lender (that is, a bank employee reviewing the application and not familiar with the business) can form an objective opinion about the goals of the business and the reliability of the business . Mandatory sections of the BP:

• Summary: description in in brief goals and objectives of the project, sources of its financing, main consumers and range of products.

  Step-by-step plan for describing a business process

  The summary should interest the expert and contain the main parameters of the project under consideration. The resume should be as concise as possible (1 page).

• Description of the business idea. In this section, it is important to conduct a so-called SWOT analysis, which examines all the opportunities and threats to the business, as well as its strengths and weaknesses.

Business scheme example for a bank construction company

We write to the bank an explanation of plush operations - plushki su

Similar notifications about activities serve as advertising either. I went to the bank with an explanatory letter about the activity and looked at the standard. On the one hand, those working on a simplified basis and paying income tax do not have to keep track of expenses.

I used their card to withdraw ale, I used it not often, very evenly, since I had already heard about frequent blocking.
standard information letter about the company's activities. A letter explaining the purposes of withdrawing foreign currency from the Russian legal entity. The main activity of the organization is.

Business letters

Please help me write a good letter to the labor inspectorate. 3 and 4 a letter was drawn up stating that the declaration is in favor. The greatest sanctions that can threaten us are the bank’s refusal to work with us. We chatted with an employee and said that the bank begins to get excited when the turnover exceeds 300 thousand on all cards.

The bank demands documents referring to its favorite 115-FZ - forum

The financial monitoring department that detects these transactions is not earning money, people are sitting on naked salaries, but if there are bonuses, they are fixed (like the 13th). in order not to have to explain each transaction, you can inform the bank in advance that unchanged. A letter to the bank stating that cash is normal and. This article applies for failure to appear at the tax authority, and not for refusal to give explanations, to which it directs attention and The Federal Tax Service of the Russian Federation itself (see I ask you to help compose a letter of request to the official portal of the authorities local government d. Banks have begun to show enthusiasm for the legality of clients' income and include a question about sources of funds in questionnaires.

Banks ask organizations for details on many transactions. So what are you actually accusing me of and what are you referring to?

Banks and anti-money laundering legislation banks ru

So what exactly are you accusing me of and what are you referring to? - you're reading between the lines! In addition to the law, there are also a lot of by-laws! - I don’t have the desire or time to do this. Mention the position you are applying for and how you heard about it, the source of information. Even if there is no such condition in the contract, then, as practice shows, the bank’s security service requires documents within the framework of Federal Law 115. In what cases is one day of rest provided, in what cases two days of rest? Hello! For example, I ask you to provide clarification on the application of Art. If you don't like our bank, choose another one! Oh how! This is a statement from the head of the financial monitoring department of Inresbank LLC, I will paraphrase how I understood it, my word is the law, if you think differently, I don’t care, if you don’t like it, get out. After talking with fellow hobbyists, armed with a template (thanks to my friend Boris from Volgograd for the link), I drafted a letter with the following content from the bank, considering the issue of resolving the relationship between the bank and the client upon the fact of the client carrying out operations that may pose a risk for the bank of losing business reputation. Most often using newsletters promote the activities of organizations, manufactured products, published literature.