The situation is familiar to many: servicing bank proposed to open a deposit. And not just suggested, and thoroughly reviewed the statements of your account, found evidence that simply astronomical sums are currently on your accounts and absolutely "not working", and that they can get a good income. Well, the money should work, it's a fact. Let's try to find evidence for the profitability of deposits of legal entities that most people, especially if they are not large holdings and corporations, and ordinary individual entrepreneurs. A little arithmetic So, we should have as much 100,000 unclaimed rubles and we do not need as much as much as 365 days. Given that the inflation rate for 2010 will be at least 8%, while the index of consumer prices rise 100.8%, then banks will have to try to impress the small business sector, so that they have agreed to give their blood circulating assets. We still need to know the size of the current refinancing rate - from June 1, 2010 set the CBR refinancing rate at a rate of 7.75% (Bank of Russia on 31.05.2010 № 2450-V "On the refinancing rate of the Bank of Russia). All deposit rates far in excess of this figure should, theoretically, cause us to distrust and suspicion. Let's see the current offers banks for our chosen conditions: to put it mildly, sparsely first weaving major banks offer from 1% to 11.5%, and the rates banks first 20-ki, ie, the most reliable banks do not exceed 6-7%. Consequently, the real benefit will not exceed 3%. And in most cases the contribution simply does not give money to depreciate if they are actually just lie on the account dormant. Not be able to earn a uniquely, and the fact that conservation savings very, very doubtful. Is it worth it for a whole year to give up such an impressive amount? Even if not a year, and only 1 month, too, is unlikely. The average rate of 5% per annum, which is slightly more than 400 rubles - spend more on gasoline for the trip to the bank for a contract of deposit. What you give up? In the first place by working capital and for small business is nothing more important than this is the "nest egg". In a highly competitive operating principle of iron large families: those who had stood up to and sneakers. Make 100% payment provider - will receive a discount and let the product better lie down on the stock than the money in the bank, but your earnings grow by 15 percent, and even all 20, because the availability of goods and lower price are critical factors for customer adoption of solutions . With current assets can go and meet their partners, allowing them to delay payment in the amount of disposable money you have in exchange for a large or very expensive batch of their purchases. More profitable than the contribution? - Sure! The money invested in it, you hypothetically have, and they work in, while placed on time deposit, they can become easy prey to tax or, God forbid, Bailiff. The arrest of accounts by mistake or misunderstanding: a very common situation, and take it off right away does not always work, even if your fault that your declaration of lost, no. So bad contract deposit, this contribution should also be able to pick up. Banks usually ask for the day 2-3 on a decision to close a very long time trying to persuade not to do so, and if even as an account credited raschetnik listed in another bank, you can still easily add a day or two for translation and enrollment. Subtotal get a week agonizing wait their own money returned, by the way, at the rate of demand. As a rule, all banks are included in the deposit agreement the item that interest on the deposit paid for the actual location of the deposit amount and the amount corresponding to the amount of interest paid by the bank for the deposit "on demand" on the date of return of the deposit. You can, of course, the promise that once, so just bring the money back, and then you have thrown a couple of "comforting" per cent. However, keep in mind that the excuses they say, "interest rates are low some were" immediately lead to the fact that no payment system will not be held after operatsionistkami 14-00, under no coaxing. Who deposit is beneficial? Do not believe me, there are. This requires that all business processes were established, as a nuclear power plant, the timing of payment and delivery are not violated even in the event of hostilities, that the partners were reliable and validated, and business - is stable. One can understand the desire of large industrial companies to somehow earn extra money, if allowed to divide the net income per year by paying dividends to shareholders. If you did not grow much, and do not want to, then why not make a couple million for the needs of business owners? After inclusion of such large amounts may not necessarily return in the first five years, not to mention their complete recovery, but here - please - post in the bank and get an honest rate. You have no debt and no need to expand its business? - Then the deposit - this is your product. Analogue deposit And what about those who have large sums of money in circulation, but no time for their long-term accommodation? This situation is typical of entrepreneurs who own car dealerships, especially new cars, when a customer buys a car is not in cash but in credit and credit the money directly to the seller in the servicing bank. To this class include the construction companies (especially cottage construction), maintenance crews, warehouses, on account of which carry considerable sums for the purchase of materials for construction, but that should be listed suppliers. This also will include online stores selling household appliances and computer equipment. One word to all those on whose accounts periodically accumulate large amounts, but that should be transferred to larger suppliers. How could benefit by "turning his" millions of strangers - very simply - enclose with a bank overnight and get a small fee. Trifle, but nice. Overnight - it's an opportunity to place funds in the short term, more in one workday. In the case of unclaimed money just throws the standard template instructions to internet banking and money go to night work by 1% -3% per annum. Say a little? - It is not for nothing! And cover the cost of monthly CSC is quite a possible, if to withhold money from a couple of extra days. In conclusion, in any banking products can find their benefit, and sometimes even monthly deposit for the minimum amount could tip the scales in your favor at the bank's credit committee upon request. If the bank still saw a stagnation in your affairs and the "extra" money in the account, it must first serve you a signal about the effectiveness of their use. Perhaps should reconsider your business processes and optimize them? Low turnover - an indicator of lack of business activity. In any case, contract with a known unfavorable conditions are not in the business, and banks are no exception. Be reasonable!
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