Description of the business scheme. Letter to the bank about the organization's activities (sample)

(((Prices may seem to be overpriced by them, but income allows. Do I need to make extracts from contracts? Have they paid physicists? 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 more.

Go to another bank, this dumb one with his requests. Oyavrik, we have big problems with this bank - we are suing. So far, without questions, only taxes and zp are spent, but I generally am silent about cash. And they do not give bank statements - as you want, and submit reports. 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 customers (paragraph

1.6 of the Regulation of the Bank of Russia dated 10.15.15 No. 499-P). The Bank is also entitled to request information when opening an account and during banking operations (Clause 1, Article 7 of the Federal Law of 07.08.01 No. 115-ФЗ, hereinafter - Law No. 115-ФЗ)

advocatus54.ru

Of particular importance is the analysis of the work of competitors, since it is they who can significantly complicate the implementation of the project in full.

Legal aspects of the organization of the enterprise or the implementation of the project - the 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, in the process of considering an application, experts can assist in the development and updating of a business plan. This is especially true for those organizations that demonstrate financial stability and are beneficial for the bank customers.

2. The terms of the project should not be too high or, conversely, shortened.

In the event that the entrepreneur plans to take a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) is implemented for 1 year, the bank will inevitably have questions about why with a “smooth” business plan and availability substantial profit, the business is not able to pay a loan for 5 years?

And vice versa, if a loan is taken for 5 years, and the project will last 3 years, when reaching the breakeven point in the next, 4th year, the lender will ask, by what incoming payments will the loan be repaid?

Written explanation to the bank sample

To make settlements with the principal, as well as to explain the activities of organizing suppliers for the shipment of goods, the agent, as a rule, uses a non-cash payment form.

Comments By opening an account with a bank, an agent can use it for settlements with both the customer and suppliers. In order to ensure legislative requirements, banks may ask the agent for clarifications regarding the turnover on the account.

The most common reason for requests is a low tax burden in relation to the total turnover of funds. According to the current legislation, the bank is entitled to an explanation regarding the account, if the activity of someone who can claim the inheritance after the death of taxes is about 1 percent of the explanation of the volume of transactions.

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

Moreover, the organization of tax payments is low in relation to the total turnover.

Analysis of the activities of the construction company LLC "StroyForest"

The main part 2.1 Brief description of the organization StroyPlastMontazh Limited Liability Company was created in accordance with the decision of the general meeting of the company participants on January 10, 2000, in accordance with the Civil Code of the Russian Federation, Federal Law of the Russian Federation “On Limited Liability Companies” No. 14-ФЗ from 02/08/1998, other regulatory acts of the Russian Federation and the Yamalo-Nenets Autonomous Okrug, regulating the creation and activities of business entities. The main activity is the construction of industrial and civil facilities with the functions of a general contractor.

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

Letter to the bank about activities and business reputation

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

In modern realities, when life goes on very fast, it is extremely important to have only relevant data.

The document should not be outdated, but it is obligatory to indicate the date - without a date they may not take the letter into account at all. Specialists recommend using specific data to the maximum when creating a letter on the company's business reputation.

Summarized information is also not accepted.

Such hackneyed phrases as “reliable and responsible”, “always pays on time” are perceived as empty words, but if they are backed up by facts (give examples of contracts, the amounts for which they were concluded, the dates in 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 your partner has for further work with your company. In a separate paragraph, it is necessary to highlight

Sample business diagram letter

Supplier: delivers consumer goods with deferred payment Wholesale company: receives consumer goods, sells consumer goods to buyers Buyers: purchases consumer goods from the wholesale company Supplier: delivers consumer goods to the Wholesale Company, receives payment for the supplied consumer goods Wholesale company: receives consumer goods from the Supplier, repays them, sells consumer goods to customers, pays for warehouse services for the storage of consumer goods Buyers: purchases and pays consumer goods from the wholesale company Warehouse: Provides services to the wholesale company for storage of consumer goods, receives payment for the services rendered When the activity plan is created, you need to describe the sequence of actions for the implementation of the transaction.

informs you that profit

Company Information Letter

Letters may be:

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

When forming an information letter, you need to carefully monitor the spelling and adhere to the written standards of the Russian language regarding punctuation, vocabulary, grammar, etc.

Information letter Moscow 02.15.2015. Dear employees of Aspirin LLC. The management of the organization represented by director M. Mezhenin

We must remember the fact that recipients of business correspondence always look at how correctly the information brought 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, on the case, mindful of the fact that “brevity is the sister of talent”, and not spreading thought on the tree. It is proved that the recipients of such letters are not ready to spend more than one minute reading them, due to the high pace of modern life.

Response to a bank request about the economic meaning of operations on an IP account

St. Petersburg. Chatting. Hello. Your answer is quite decent, I think that it does not require adjustment.

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

Recently, a client has been dealing with a similar situation.

they didn’t ask for any letters, but with a check they dragged on for 2 weeks, until they came up with a scandal, everything stood still. December 04, 2020, 11:59 Was the lawyer's answer helpful?

0 - 0 Collapse Related Questions

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

See also Jurisprudent.ru In a mobile application and Telegram, lawyers respond faster and the answer is guaranteed even to a free question! We are trying! Treat

Free legal aid

Tenders for construction work in such projects are won by large construction organizations.

But even they are not able to cover the whole range of works, and are forced to attract smaller construction enterprises in order to fulfill their obligations on time.

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

It is important Having taken seriously such a business, it is important not only to perform high-quality services, but also to be able to demonstrate this quality, your abilities to perform work at a high level.

It is necessary to declare your company by all existing forms and methods.

Among them, reviews are very effective.

They share with each other the experience of drawing up explanatory notes for the bank, which suspected the company of violating the “anti-laundering law” 115-FZ.

As a rule, the bank asks for explanations explaining the economic meaning of operations, the reasons and the need for making calculations, with what forces and means the organization's activities are provided, and to outline the business scheme.

Colleagues offer their options.

LLC "Camomile" (hereinafter - the Company) carries out activities for the cultivation of flower beds, weaving wreaths and selling finished bouquets.
In order to carry out the above activities, the Company acquires ribbons and flowers, hoes and rakes the Company receives for rent. The main suppliers of the Company are: Peony LLC, Lenta LLC, Hoes and Rakes LLC, IE Zemelkin. Settlements are made within the framework of concluded agreements on the basis of payment invoices received.
The company rents a warehouse and office space at: .... according to the contract with LLC or IE.
To date, the company has 1 employee. Due to the fact that the activities of the Company are seasonal, GPC agreements are concluded to perform specific volumes of work. Settlements upon completion of work are made in cash from the cash desk of the Company (payrolls and cash settlement accounts are attached)
Taxes and contributions paid in full and on time. Reporting is submitted on time in full.

In response to your request for clarification of the economic meaning of the operations carried out on the account of an Individual Entrepreneur, I inform you of the following.
The main direction of economic activity of IP xxx is the wholesale trade in food products OKVED 46.17. Customers are catering.
Revenue is generated upon receipt of payment from buyers.
Profit is formed as the difference between revenue and purchase costs, transportation and other expenses.
Counterparty IP xxx is the result of a business relationship.
Third parties are not involved in the work, no hired employees.
IP xxx owns motor vehicles - Hyundai porter II state. number xxx
Link to the site: http: // xxx
IP xxx is registered in the system of Rosselkhoznadzor Mercury.
IP xxx from the moment of registration - xxx 2018, is located on a simplified taxation system. The deadline for fulfilling tax obligations is October 25, 2018 in case of payment of an advance payment under the simplified tax system. The deadline for submitting a tax return on the simplified tax system is April 30, 2019. At the moment, there are no grounds for paying taxes.
IP xxx, in addition to the current account with Sberbank PJSC, has a current account with TINKOFF BANK JSC and the CENTRAL BANK BRANCH VTB (PJSC).
IP xxx is not part of the group of companies and is not affiliated with.
The main contractors (buyers) of IP 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 the OPC FOOD CITY. In this regard, IP xxx withdraws funds from the current account.
The main counterparties (buyers) are public catering enterprises, delivery contracts have been concluded with them:
LLC, TIN, Contract No.

IP xxx. transfers funds to accounts of individuals that are personal funds of an individual entrepreneur
The main assets of IP xxx are accounts receivable from customers and a vehicle - Hyundai porter II state. number xxx
IP xxx uses its current account with PJSC SBERBANK for its intended purpose - to carry out its economic activities, guided in its work by the Civil Code of the Russian Federation (part two) of January 26, 1996 No. 14-FZ (as amended on May 23, 2016), the Federal Law No. 209-ФЗ dated July 24, 2007 and other legislative acts. The economic sense of operations carried out on the account is mutual settlements with counterparties, development and economic growth, as well as profit from economic activities. Transactions carried out by IP xxxn bear the risk of losing business reputation for your bank, are carried out exclusively for legitimate purposes, and are in no way connected with the financing of terrorism and other illegal activities.

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

However, it is not worth looking too optimistic about future activities - failure to comply with the parameters of a business plan may result in sanctions by the lender. An individual entrepreneur without employees, unlike an LLC or other legal entity, is not required to analyze the management structure and optimize staff costs. How to draw up a business plan for bank approval of a loan The business plan of each particular company is unique. Its volume is not so important for a credit institution, the bank should see in it the real prospects for the development of the organization, the possibilities for repaying the loan in full, and the benefits of lending for the overall financial recovery of the company.

The business plan should include an approximate list of service providers and consumers. Naturally, when it comes to opening a retail store, there can be no talk of consumers. But you should definitely consider the alleged suppliers of goods or raw materials for production, indicate their approximate prices.

Info Excellent if there are any preliminary cooperation agreements 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 not significant - you can use the data of surveys and open publications.

• Marketing. The marketing plan should consider the volume and profitability of sales, potential consumers, analyze the sales market and competitors. Of particular importance is the analysis of the work of competitors, since it is they who can significantly complicate the implementation of the project in full.
• Legal aspects of the organization of the enterprise or the implementation of the project - the 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, depreciation of fixed assets.

Business plan for a loan

In the event that the entrepreneur plans to take a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) is implemented for 1 year, the bank will inevitably have questions about why with a “smooth” business plan and availability substantial profit, the business is not able to pay a loan for 5 years? And vice versa, if a loan is taken for 5 years, and the project will last 3 years, when reaching the breakeven point in the next, 4th year, the lender will ask, by what incoming payments will the loan be repaid? 3.

Description of business processes: the desire for simplicity

When lending to legal entities and individual entrepreneurs, especially long-term loans or for certain investment projects, credit organizations require additional business guarantees to provide cash payments. This document is extremely important both for approval of the application, and for subsequent trouble-free repayment of the loan. When can a bank request a business plan? The main task of a bank is to extract the maximum profit from its own funds, without losing a part of them due to untimely fulfillment of obligations by borrowers.
Additional losses of the so-called “lost profit” occur with large amounts of provision. According to the standards of the Central Bank, the amount of the reserve in the absence of a business plan for an organization that is just starting out (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-designed 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 consequence, the economic efficiency of the project. The article provides and disassembled the sample. How to draw up a business plan for obtaining a loan from a bank In order to get 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, the full repayment of the loan on time. First of all, the business plan should be competently 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. Make a business plan honestly: you shouldn’t specifically indicate an overpriced income growth especially for a bank. The main thing is to observe systematic growth.

How to describe a business scheme for a bank

In the Banks and Credits section, to a question, the Bank asks for written explanations about the features of our business. the best answer given by the author of Alexander Zimenko is to hire a competent person, he will write. Only you have to tell this person about your business, otherwise how will he write? I can easily provide such a service to my clients by asking a few clarifying questions beforehand. Answer from 2 answers Hello! Here is a selection of topics with answers to your question: The Bank asks for written explanations about the features of our business.

sample declaration of recognition of the paternity of the label: Recognition of the Recognition Help liter A.P. Chekhov story Surgery. tags: Literature Chernyshevsky-victim-soft-boiled boots.

Attention

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

I want to remind you that before you start describing business processes, you need to establish their boundaries. A list of all the company's business processes is the platform to start with. The algorithm that I present here will be useful to those who are just going to describe business processes. For those who have studied with me, the article will be an excellent repetition of the past)))) 1 - Set the boundaries of the process Each business process begins and ends with an event. The first thing to do is to designate the start and end events.

Of course, any employee who has been working in the Wholesale Company for a long time will say that no organizational projects exist in the company, everything works by itself. This is far from the case. The agency, as a consulting firm, repeatedly had to develop business schemes with clients in the form of organizational projects. Look at the website About designing business schemes. Now imagine a novice entrepreneur who scraped money for a business plan and even managed to get investor funds.

There is still so much work ahead of him that he simply does not know 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 in project management technology. The agency not only creates the necessary organizational projects, but also conducts trainings for employees on document management of the business being created.

The composition of the business plan The business plan should include the following sections:

• summary (summary). It reflects the advantages of the project, its profitability, methods of penetrating the market or expanding within it (if you need a bank loan for business development). This section comes first, but must be written last in order to summarize the main thoughts of all the previous sections;
• industry characteristic. 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. This section is better to draw up in the first place, since the prospects for the development of the company and the incentive to draw up a business plan depend on its indicators.

• Categories
• Business law
• I am an individual entrepreneur (IP), I produce lumber for construction companies. The Bank asked to submit in writing the economic sense of conducting operations on the account, referring to the Law of 07.08.2001 No. 115-FZ. I transferred funds to my personal accounts with other banks during the month in the amount of RUB 1.3 million received from counterparties for the delivered goods. I have prepared the following response: In accordance with the provisions of the Federal Law of the Russian Federation of 07.08.2001 No. 115-ФЗ, you asked to explain in writing the economic sense of conducting operations on your own bank accounts of individuals opened with other credit organizations.

Response to a bank request about the economic meaning of operations on an ip account

They chatted with an employee, said that the bank was starting to get excited with a turnover of more than 300 thousand on all cards. Again, on the basis of Mike’s letter, the answer was drawn up: To the branch of MTS-Bank PJSC in
Rostov-on-Don from In response to your appeal No. 2015, I inform you of the following: The bulk of the funds that I deposited into my current account are my own accumulations of previous years, if necessary, I am ready to provide certificates in the form of 2NDFL confirming my income. You can also make a request to the credit bureau if my financial solvency raises questions for you.

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

If after my message the authorized employees of your bank have doubts about some of my operations, I ask you to immediately notify me of this by phone +7 and email, and also provide in writing a list of transactions classified as “doubtful”. I hope for further cooperation with your bank.
He took it to the bank, called back, asked to convey a 2-personal income tax certificate, brought it. Cards are not blocked, we are working on. Ural People The next was the UBRD Bank.

The girl said that they were blocked by their security service, and I need to bring documents. When asked which ones, she answered unexpectedly: "You better know which ones, it is clear that you are experienced."

Sample explanation of the economic meaning of operations

I’m not sure if the legally competent answer is enough, could you comment or supplement it?

Bank notes: sample document

Minimize Victoria Dymova Legal Support Support Officer. Similar issues have already been addressed, try looking here:

• How can a legal entity respond to a bank request for clarification of the economic meaning of account operations?
• What is the best way to answer a bank request explaining the economic meaning of the operation?

Answers from lawyers (1)

• All services of lawyers in Moscow Assistance in obtaining a bank guarantee to secure applications under 44-ФЗ and 223-ФЗ Moscow from 15000 rub. Comprehensive support of tenders Moscow from 10,000 rubles.

Bank explanation

Good evening Dmitry! You should ask yourself a question on what grounds 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 by its activities.

Therefore, the bank has reason to believe that you are engaged in illegal business activities. It is in your interests to provide the bank with information about cash flows and to explain that you are not violating the norms of applicable law. And also to you for information: From January 1, 2015, it is stated in the new edition of paragraph 3 of 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 to suspend transfers of his electronic money if the tax return is not submitted within 10 days after the deadline for submitting it. Starting January 1, 2015

Banker's Blog

Eleksnet, for this I get bonus miles

• With the payment system I withdraw to the bank card "Education"
• 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 replenish my money with the Iglobe mile card
2. I pay with a card to replenish the Qiwi payment system, for this I get bonus miles
3. With the payment system I withdraw to your bank card
4. I withdraw cash in cash and go to step 1

Thus, for operations in the amount of rubles indicated in your appeal, I received 25,040 miles of Iglobe, 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 (SP), being guided in my work by the Civil Code of the Russian Federation (part two) of 01/26/1996 N 14-ФЗ (as amended on 05/23/2016) 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 operations do not bear the risk of losing business reputation for your bank, were carried out exclusively for legitimate purposes, and in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities. I hope for further fruitful cooperation with your bank.

An explanation of the economic meaning of operations

Attention

If, after my message, the authorized employees of your bank have doubts about some of my operations, I ask you to immediately notify me of this by telephone and such-and-such email, and also to provide in writing a list of operations classified as “ doubtful. " I hope for further cooperation with your bank.

He took the letter to the bank and attached copies of several checks. The letter was accepted, there were no more calls and further sanctions, the card was not blocked and is still working. Tractor drivers The next was the MTS Bank. An employee of the Rostov branch called me and asked me to come to the department, 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 a mansend and through qiwi and the origin of funds in the amount of about 750 000 rubles. Filmed mainly in cash.
The SB set a ban - that’s all clear because they are sitting under financial monitoring, and they need to struggle with the size of the drowsy operation by closing the account - they just pretend that they are fighting further a new account - this is like a new client, they play such a game at our account even closing you, as a client, remain in the bathhouse, and to remove this ban from you, you must be loyal, otherwise you will never open a new account, the program will not be shorter, they selectively select those who agree to this game and thus allow access to their services at least crookedly , who still managed to find out which documents were necessary, they had to collect statements from all banks that participated in a particular scrolling scheme. In general, I didn’t put up with them; I took Mike’s letter to them almost word for word, as well as income statements for a couple of years.

This is the economic meaning of operations. All payments were made at the expense of 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 phone numbers associated with them.

Operations with cards of your bank were carried out within the limits established by your bank. Thus, my operations were carried out exclusively for legitimate purposes, and in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities specified in Law No. 115-FZ. Putting them in the category of “suspicious” will only worsen 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 described process, which should be understandable and reflect the general essence of the sequence of actions that make up the business process. For example, instead of “Filing an application for manufacturing an item into production and monitoring its execution”, it’s enough to name the process “Monitoring the production of the product.” Secondly, it’s right to break down the entire described process into smaller (“atomic”) tasks or subprocess functions and determine the sequence of their implementation. With such a split, the described process will be a top-level process. The level of detail of the top-level process can be different, but it should be adequate for understanding by the audience that will use your description. 2 There are several ways to describe a business process.

Business diagram example for a bank

Examples of this are what, because it was promised that they would be? Now let's take one and take a look. Imagine a map. In the center is the main business process.
It is divided into individual components. They are accompanied by managing and supporting processes, which ensure that everything is performed as required. This will be the process approach. When the work of one element is completed, its operating time is transferred to the next.
Description of business processes Examples of this in general terms can be seen throughout the article. But complete documentation is often comparable in thickness to small books (or even large ones if the work of a giant company is being studied).
Modeling business processes (examples of which are also given here) requires that all operations of the enterprise be as clear and transparent as possible.

Bank notes: sample document

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

As a modeling notation, I recommend using BPMN. A well-prepared diagram should be easy to understand and informative enough. A business process diagram should be understood by a person from the street. A business process diagram, at the stage of description, 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 Director General, the entire package of documents is approved as an organizational project. Creation of an organizational project Position Responsibility in the company Activities for the creation of an organizational project General director Organization of financial and economic activities Approval of an organizational project Commercial director Supply and sale of consumer goods Selection of participants, business plans, 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 of financial statements, coordinating a payment scheme Lawyer Legal issues of business Preparation of contracts with participants Conclusion After the organizational project is approved, it begins to be implemented.

Algorithm for constructing a business process diagram

Most often 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 is functioning at a given point in time. In this case, one should strive to identify all the links between actions, and not to fix the smallest details.

Attention

To avoid sidetracking, you can use standard process cards 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 actions for improvement 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 characters to indicate something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let’s dwell on the diagram made in the BPMN (Business Process Modeling Notation) 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” - a rhombus containing a question that can only be answered with “Yes” or “No”; 4. Conditions are text expressions under which the transition from one function to another is carried out.

Conditions are always enclosed in square brackets.

How to draw up a quality business plan, which will be approved by the bank

The structure of the business plan A business plan should be drawn up in such a way that all performance indicators of the company are considered to the maximum extent, and the creditor (that is, the bank employee who is considering the application and not familiar with the business) could make an objective opinion about the goals of the business and the reliability of the business . Mandatory BP sections:

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

  Step-by-step description of a business process

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

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

Business diagram example for a bank construction company

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

Similar notice of activity as an advertisement either. I sent an explanatory letter to the bank about the activity. On the one hand, those working on simplifications and paying income tax should not keep records of expenses.

I used their card to withdraw ale, I used it often, very evenly, as I had already heard about the frequent locks.
the standard of the information letter on the company’s activities. A letter explaining the purpose of withdrawing foreign currency from the legal entities. The main activity of the organization is.

Business letters

Please help me write a letter to the labor inspectorate well. 3 and 4, a letter was written stating that the declaration is unanimous. the greatest sanctions that may threaten us the bank’s refusal to work with us. They chatted with an employee, said that the bank begins to be excited when the turnover of more than 300 thousand on all cards.

The bank requires documents referring to its favorite 115-ФЗ - forum

The financial monitoring department that identifies these operations is not earning, people sit on naked salaries, but if there are any bonuses, then a fix (like the 13th). so as not to be explained for each operation, you can inform the bank in advance that they are unchanged. A letter to the bank that cash is normal and this article is applied for failure to appear in the tax authority, and not for refusing to give explanations, which draws attention to and the Federal Tax Service of the Russian Federation itself (see. I ask you to help draw up a letter of request to the official portal of local governments. Banks have begun to show enthusiasm for the legality of customer income and include the question of sources of funds in the 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

So what exactly are you accusing me of and what are you referring to? - you read between the lines! There, besides the law, there are many more by-laws! - I have no desire and time to do this. Mention the position you are applying for, and how did you find out 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 115-ФЗ. In what cases is one day of rest provided, in which cases are two days of rest? Hello! For example, I ask you to clarify the application of Art. If you do not like our bank - choose another! Oh how! This is a statement by the head of the financial monitoring department of inresbank ooo, I will rephrase how I understood my word - the law, if you think differently, I don’t care, I don’t like it - go for it. Having talked with my hobby partners, arming myself as a template (thanks to my friend Boris from Volgograd for the link), I wrote a letter of the following contents from the bank addressing the issue of resolving the relationship between the bank and the client upon the fact that the client carries out operations that could carry the risk of business loss for the bank reputation. Most often, with the help of newsletters, they propagandize the activities of organizations, manufactured products, and published literature.

The first is to briefly and accurately formulate the name of the described process, which should be understandable and reflect the general essence of the sequence of actions that make up the business process. For example, instead of “Filing an application for manufacturing an item into production and monitoring its execution”, it’s enough to name the process “Monitoring the production of the product.” Secondly, it’s right to break down the entire described process into smaller (“atomic”) tasks or subprocess functions and determine the sequence of their implementation. With such a split, the described process will be a top-level process. The level of detail of the top-level process can be different, but it should be adequate for understanding by the audience that will use your description. 2 There are several ways to describe a business process.

Business diagram example for a bank

The commercial department of the Wholesale company draws them up in the amount of 3 copies. The buyer goes to the warehouse. In the warehouse, he receives consumer goods and 1 copy. issued invoice. Of the 2 remaining invoices, one remains in the warehouse for reporting, the other is transferred to the accounting department of the Wholesale Company.

Contract Wholesale company-Warehouse The wholesale company and the Warehouse enter into an Agreement for the provision of custody services. Based on the contract, the Wholesale company transfers the Warehouse Consumer Goods to the Warehouse. Transmission of consumer goods is fixed by the Act of acceptance. Each month, the Warehouse invoices the Wholesale Firm for custody services.

An invoice is issued in advance for the next month. The wholesale company pays the bill. At the end of the month, the Warehouse and the Wholesale Company sign an acceptance certificate for the delivery of works in the amount of the services provided.

In addition, the Warehouse provides the Wholesale Firm with a monthly report on the actual released consumer goods.

Business processes: examples and description

At the same time, they also want the stock of goods to be always in stock. Whereas the supply department plans to purchase a narrow range and in large quantities.
Indeed, in such cases, they will work efficiently, and their main indicator will increase (more precisely, the price from the supplier will fall). That is, there is a business implementation process that departments look at differently.

The process approach He sees everything that happens as a set of processes. There are basic and supportive. Each process has its own specific goal, which is subordinate to the task facing the whole company.

Attention

In addition, there is an owner who manages resources and is responsible for the implementation of all necessary. There should also be a system for quality control and error correction.

It goes without saying that no process can proceed without resources. And the list of components is completed by a system of indicators by which business processes are evaluated.

Business plan for a loan

If the loan is large, the reserve becomes a rather serious burden for the bank. Providing a business plan helps to reduce risks, and therefore the size of the reserve.
Other cases in which a bank may request a business plan:

1. Long-term lending (on average, from 3 years).
2. Use of credit funds for investment purposes (acquisition and construction of fixed assets - buildings, land, equipment).
3. Lack of sufficient collateral.
4. Short term of the enterprise (less than 6 months).
5. Getting loans on favorable terms (for example, subsidizing agricultural producers).

A business plan may be needed when obtaining a standard loan. In this case, the entrepreneur can provide it as additional information about the business to reduce the risks of the bank and, therefore, the interest rate on the loan.

How to draw up a quality business plan, which will be approved by the bank

Info

This means that after obtaining and using the loan in full, the company must extract sufficient profit for further business without borrowed funds (to use the loan effectively). The main nuances that should be considered when developing a business plan: 1.

The plan should take into account the most pessimistic expectations (a drop in exchange rates, an increase in taxes on the company and its property, a significant drop in demand, high inflation, the simultaneous dismissal of a large number of employees, etc.) Employees of the bank’s credit unit will check the document not only for the correctness of the calculations, but also for compliance with the real market situation.

If the trends in the economic situation are such that the business may be in jeopardy, the bank will have additional questions for the entrepreneur.

Description of business processes: the desire for simplicity

Market analysis includes data on consumers of the company's products or services (both active and potential) and what the “seller" can offer to the "buyer";

• enterprise economy. Planning a strategy for the development of production is not complete without economic indicators of the enterprise.
  The section contains data on estimated gross profit, taxes, types of costs and ways to reduce them;
• marketing plan. It involves the company's methods to achieve the required level of sales. Try to incorporate into the overall market structure the distinctive features (or rather the benefits) of your product that will allow you to bypass the competition. It is advisable to compare your activities with competitors in order to clearly demonstrate the promotion of your product or service relative to others;
• technical revision.

The most popular of them is graphical, using diagrams made in various notations (notation is a set of characters to indicate something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let’s dwell on the diagram made in the BPMN (Business Process Modeling Notation) 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” - a rhombus containing a question that can only be answered with “Yes” or “No”; 4. Conditions are text expressions under which the transition from one function to another is carried out. Conditions are always enclosed in square brackets.

How to describe a business scheme for a bank

If a promising picture develops, taking into account all kinds of risks, the bank will most likely give you a loan for the implementation or expansion of the business. Tip: do not overstate the loan amount in order to compensate for the extra expenses, take exactly as much as you need. Reflect the sale of borrowed funds financially so that the bank sees what its money is going to;

• applications. The application includes any information that is not included in the remaining sections of the business alan.

If the bank sees in the business plan good potential and the ability to quickly repay the loan, he can offer to finalize it himself.

Therefore, make a plan with all responsibility, both to the lender and to yourself. A business plan is prepared in detail, but with clear explanations of the described business.

In the end, it should be clear to both you and the bank.
To estimate cash flows in the following years, a discount factor is used. The main mistakes made in the business plan:

• lack of market forecasts, realistically justified data on demand and market conditions;
• technically complex projects that are difficult to implement in the Russian economy;
• lack of necessary qualifications of project initiators;
• overestimation of forecast income levels (if this is not justified by any objective data, for example, a signed contract with customers);
• too optimistic views on market trends (inflation of 1%, depreciation of foreign currency, expectations of subsidies from the state, etc.);
• too much water in the business plan.

You can see detailed recommendations and requirements for a business plan on the websites of banks, for example Vnesheconombank (veb.ru) - download in pdf format.
From the point of view of business process management, a document is information on any information medium. Email, report, presentation, SMS are all documents. Sometimes you need to display intermediate products. These are blanks, semi-finished products or simply important parts of the work that go from one process unit to another. Add them at this point. Of necessity. 6 - Add used programs and databases. The process should reflect which programs and databases are used in it. 7 - Arrange tools and materials. If tools and / or materials are used in the process, this should also be displayed. Highlights can be identified in the business process diagram. A detailed description is best given in the comments and special sections of the description. A great option is to draw up a diagram that focuses specifically on the use of tools and materials.

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

As a modeling notation, I recommend using BPMN. A well-prepared diagram should be easy to understand and informative enough. A business process diagram should be understood by a person from the street. A business process diagram, at the stage of description, should reflect how the process is performed in real life.