Money, money circulation and credit
Шрифт:
– debit.
To the credit group belong the transfers performed by means of payment order.
The performed analysis of the settlements usage made by different types of payment documents showed that in the IVth quarter of 2009 the second-tier banks and Kazpost JSC with the usage of shown in Table 3 payment instruments conducted the transactions in amount of 44 514.0 thousand of documents for the value of 26 073.3 billion tenge. Compared with the same period of the previous year the quantity increased on 12.9 % and the sum of payments decreased on 6.9 %.
The total amount growth of the represented payment instruments basically was caused by the operations quantity growth by means of payment cards on 4 387.5 thousand transactions.
The volume of payments decrease basically was caused by the fall of payments volume made with the usage of payment orders on 1 937.7 billion tenge.
Still the most widely spread on the territory of Kazakhstan payment instruments are payment orders and payment cards. Whereby the average sum of one payment order for the IVth quarter of 2009 amounted 2.2 million tenge and decreased in comparison with the analogue period of 2008 on 17.9 %. At the same time the high relative share of payment cards according to the quantity and low according to the volume of payments is characterized by the usage of this payment instrument basically for low sums encashment (the average sum of one transaction of the IVth quarter of 2009 amounted 22.9 thousand tenge).
In the IVth quarter of 2009 the less used payment instruments became the payment request-orders and collection orders. The inconspicuous part of these instruments usage in the whole quantity and amount is related to their specification.
The rest payment instruments include the cheques for the purchased commodities and services settlements, direct debiting of bank account and honored letters of credit.
Table 3
Payment data in view of payment instruments for the IInd quarter of 2009
(Q – quantity in thousands; A – amount in billios of tenge)
Payment order is an order of money sender to his serving bank to withdraw a defined sum of money from his bank account for the following transfer in favor of beneficiary. Payment orders as was mentioned before are the most widely used payment instruments in the Republic of Kazakhstan. They take the biggest share of all cashless settlements in the payment system and constitute 23.8 % according to the quantity and 90.2 % according to the volume of payment documents to July 1, 2009.
Money sender presents to a serving receiving bank a payment order on a pre-printed set form.
By means of payment orders the following money transfers could be done:
– for the goods delivered, works performed, services rendered;
– for purposes of advanced payment for the goods (works, services);
– to the budgets of all levels and non-budget funds;
– for credits reimbursement and their interests payment;
– in favor of private persons (including without the account opening);
– other payments as provided for in the legislation or agreement.
By means of payment orders the settlements in order of billing payments >could be conducted. Such settlements are applied in case of regular supplies of goods (for example the supplies of bred or milk factories to the trade enterprises, etc.) when payment of each separate dispatch is more convenient to change on periodical funds transfers from the buyer’s account to the supplier’s account in specified terms and sum.
Конец ознакомительного фрагмента.