The first is to briefly and accurately formulate the name of the process being described, which should be understandable and reflect the general essence of the sequence of actions that make up the 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

The commercial department of the Wholesale company issues them in the amount of 3 copies. The buyer goes to the warehouse. At 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.

Wholesale Company-Warehouse Agreement The wholesale company and the Warehouse enter into an Agreement for the provision of safekeeping services. Based on the concluded agreement, the Wholesale Company transfers consumer goods to the Warehouse for storage. The transfer of consumer goods is recorded by the Transfer and Acceptance Certificate. On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services.

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

Business processes: examples and description

At the same time, they also want to ensure that the product is 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.

Process approach It views everything that happens as a set of processes. There are basic and supporting. Each process has its own specific goal, which is subordinated to the task facing the entire company.

Attention

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

Business plan for obtaining a loan

If the loan is large, the reserve becomes quite a serious burden for the bank. Providing a business plan helps 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 loan funds for investment purposes (purchase and construction of fixed assets - buildings, land, equipment).
3. Lack of sufficient collateral.
4. Short period of activity of the enterprise (less than 6 months).
5. Obtaining loans on preferential terms (for example, subsidizing agricultural producers).

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

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

Info

This means that after receiving and using the loan in full, the company must make sufficient profit to continue doing business without borrowed funds (use the loan effectively). Key nuances to consider when developing a business plan: 1.

The plan should take into account the most pessimistic expectations (falling exchange rates, increased taxes on the company’s activities and its property, a significant drop in demand, high inflation, one-time layoffs of a large number of employees, etc.). Employees of the bank's credit department will check the document not only for the correctness of the calculations, but also for compliance with the real state of the market.

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

Description of business processes: the pursuit of simplicity

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

• enterprise economy. Planning a production development strategy is not complete without economic indicators enterprises.
  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 implement general structure market distinctive features(A better advantages) of your product, which will allow you to beat your competitors. It is advisable to compare your activities with competitors in order to clearly demonstrate the promotion of your product or services relative to others;
• technical improvement.

The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to represent 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” is 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 describe a business scheme for a bank

If the picture looks promising, taking into account all sorts of risks, the bank will most likely give you a loan to sell or expand your business. Advice: do not inflate the loan amount to compensate for extra expenses, take exactly as much as you need. Reflect the sale of borrowed funds in financially so that the bank can see where its money is going;

• applications. The appendices include any information that is not included in the other sections of the business plan.

If the bank sees good potential in the business plan and the possibility of quickly repaying the loan, it may offer to finalize it.

Therefore, draw up a plan with full responsibility, both to the creditor and to yourself. A business plan is drawn up in detail, but with clear explanations of the business being described.

As a result, it should be clear to both you and the bank.
A discount factor is used to estimate cash flows in future years. The main mistakes made in a business plan:

• lack of market forecasts, realistic 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 projected income levels (unless this is justified by any objective data, for example, a signed contract with customers);
• overly 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.

Look detailed recommendations and requirements for a business plan can be found on banks’ websites, 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 - all these are documents. Sometimes it is necessary to display intermediate products. These are blanks, semi-finished products, or simply important parts of work that move from one process block to another. Add them at this stage. Of necessity. 6 - Add the programs and databases used The process should reflect what programs and databases it uses. 7 - Organize tools and materials If tools and/or materials are used in the process, this also needs to be displayed. The main points can be indicated on a business process diagram. It is better to give a detailed description in the comments and special sections descriptions. An excellent option is to create a diagram focused specifically on the use of tools and materials.

• Where does the business process begin and end?
• What processes is it connected 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.

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 then 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 starting to describe business processes, it is necessary. companies - 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 review of what has been learned))))

Business process diagram - instructions for the impatient

1 – Set process boundaries

Every business process begins and ends with an event. The first thing to do is to designate the start and end events.

2 – Draw the main blocks of the process

Arrange the main blocks (subprocesses, operations) in the order in which they are performed.

Don't complicate the diagram at this stage. Display the blocks as if the process is running perfectly.

3 – Add forks and other events

Now it's time to make it a little more complicated. Add the main options for the development of the process and the main intermediate events. Complete the diagram with the missing operations.

4 – Designate the roles of participants in the process

There are no positions or specific employees in business processes. Instead, the concept of “role” is used. One employee can perform many roles. Many employees can perform one role. A position is made up of a set of roles.

Add missing operations as necessary.

5 – Place documents on the diagram

A document is not necessarily an official paper with seven signatures. From the point of view of business process management, a document is information on any information medium. An email, a report, a presentation, an SMS – all these are documents.

Sometimes it is necessary to display intermediate products. These are blanks, semi-finished products, or simply important parts of work that move from one process block to another. Add them at this stage. Of necessity.

6 – Add the programs and databases you use

The process should reflect what programs and databases it uses.

7 – Organize tools and materials

If tools and/or materials are used in the process, this must also be shown. The main points can be indicated on a business process diagram. It is better to give a detailed description in the comments and special sections of the description. An excellent option is to create a diagram focused specifically on the use of tools and materials. In such a scheme, the emphasis is not on the flow of work, but on how, in what quantity and what materials are used in the business process.

8 – Define performance indicators in the business process

Place on the business process diagram the performance indicators that are taken into account in one way or another in the system.

9 – Link the resulting diagram to other processes

Each business process is only part of a larger system. All processes are interconnected. Essentially, a communication is something that a process exchanges with other processes. Note that you must specify the processes that the current process is associated with, as well as what they are exchanging.

10 – Check the resulting business process model

In principle, the scheme is ready. The business process diagram should answer the following questions:

• 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 what transactions 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?

A well-prepared diagram should be easy to understand and sufficiently 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.

This algorithm will allow you to quite simply and quickly describe necessary business processes. Next, I will talk in detail about the description of business processes. Stay in touch.

The principle of business management using the enterprise business model is shown.
But any practicing businessman will say that the presence of such a model is completely insufficient for real activities. And he will be right!

Today we will focus on more issues than modeling material and financial flows.

This is the development of business schemes and the description of these schemes in the form of legal and accounting documents.

Such a package of documents differs in content from an investment project; it is a project for organizing activities or an organizational project.

The need for organizational projects arises very often.

Let's look at the features of creating an organizational project using a specific example.

The commercial director of the Wholesale Company received an offer from the Supplier for the supply of consumer goods (consumer goods) with deferred payment. In total, the Supplier plans to supply 12,000 pcs. Consumer goods, for example, electric kettles, at a price of 1000 rubles/piece. in batches of 4000 pcs./month. Deferred payment for each installment is 3 months. The commercial director knows that his company sells such teapots at a price of 2000 rubles per piece. He agrees to enter into a supply agreement.

We need to develop an organizational draft for this deal.

Participants

First, we must identify all the real participants.
In addition to the Supplier and the Wholesale company, the transaction includes Buyers and a company providing warehouse services.

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: Purchase and pay for consumer goods from the Wholesale Company

Warehouse: Provides services to the Wholesale Company for storing consumer goods, receives payment for services rendered

Operation procedure

When the activity diagram has been created, you need to describe the sequence of actions to implement the transaction. At the same time we write down all the numerical values ​​that we know.

1. The Supplier and the Wholesale Company enter into an agreement for the supply of consumer goods
in the amount of 12,000 pcs.

Delivery is made in batches of 4,000 pieces, 1 batch per month.
The cost of consumer goods is 1000 rubles/piece.

2. The wholesale company rents additional warehouse space. The cost of rent is 0.2 million rubles/month.

3. A wholesale company sells consumer goods to customers. Sales plan 1500 pcs./month.

Sale price - 2000 rub./piece.

5. The wholesale company pays the Supplier according to the schedule.
Payment schedule: 4 months - 4.0 million rubles, 5 months - 4.0 million rubles, 6 months - 4.0 million rubles.

Economic modeling

Then we describe material and financial flows and create an economic model of the transaction. Then we will be able to determine whether the Wholesale Company can pay for supplies of consumer goods on time.

Supply of consumer goods

Sale of consumer goods

Stock

Financial flows

Cash flow is always positive. This means that there will be enough money from the sale of consumer goods to pay the Supplier on time.

Everything that we have described can be drawn up in the form of one document.

A document that describes:
- Participants
- activity diagram
- operating procedure
- economic modeling
can be considered as a detailed feasibility study or a small business project for obtaining a loan.

For a real transaction, the development of adequate document flow is also required.

Document flow

Let's draw new scheme taking into account all the documents necessary to carry out the activity.
As you can see, the document flow diagram is more complex than the activity diagram.

It shows three large blocks showing the Wholesale Company's relationships with other participants.

The basis of interaction is an agreement between the Wholesale Company and:
- Supplier
- Buyers
- Warehouse

Let's look at these blocks in more detail.

Wholesale Supplier Agreement

The contract for the supply of consumer goods is concluded between the Supplier and the Wholesale Company.
The contract amount is 12.0 million rubles. Valid for at least 6 months. The contract must specify a payment schedule for supplied consumer goods.

Each batch of consumer goods is transferred according to the Transfer and Acceptance Certificate.
Payment for each batch of consumer goods is formalized by the Protocol.

After paying for the last installment, it is necessary to draw up a protocol of mutual settlements and sign an act of fulfillment of the contract.

Interaction Wholesale Company-Buyers

No purchase agreement is required between the Buyer and the Wholesale Company.

The buyer wishing to purchase consumer goods receives an Invoice.

After payment, he issues invoices for receiving consumer goods. The commercial department of the Wholesale Company issues them in the amount of 3 copies.
The buyer goes to the warehouse. At 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.

Wholesale company-warehouse agreement

The wholesale company and the Warehouse enter into an Agreement for the provision of safekeeping services.
Based on the concluded agreement, the Wholesale Company transfers consumer goods to the Warehouse for storage. The transfer of consumer goods is recorded by the Transfer and Acceptance Certificate.

On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services. The invoice is issued in advance for the next month. The wholesaler pays the Invoice.

At the end of the month, the Warehouse and the Wholesale Company sign an acceptance certificate for the delivery of work for the amount of services provided.

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

Organizational project

The described interaction of participants in this transaction is quite conditional. Interaction options may differ from this.

In a real company, any business scheme involves the coordinated work of several responsible employees of the company associated with the preparation of the necessary documents.

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

Conclusion

Once the organizational project is approved, it begins to be implemented.

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 develop business schemes together with clients, formalized in the form of organizational projects.
Look on the website

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

The agency not only creates the necessary organizational projects, but also conducts training for employees on the document flow of the created business.

Useful information on the topic: “Written description of an organization’s activities, sample for a bank.” Available information on the topic is collected and processed here. We tried to present it in a convenient and understandable way. If you have any questions, please ask our duty consultant.

TekhnoStroyServis LLC has been assigned a code of the type economic activity according to the OKVED classifier 51.51, which gives permission to wholesale trade fuel. This enterprise refers to small and medium-sized businesses and meets all the criteria established by the Federal Law of July 24, 2007 No. 209-FZ “On the development of small and medium-sized businesses in the Russian Federation”:

• 1. Is a commercial organization.
• 2. The enterprise was founded by one individual and formed an authorized capital in the amount of 10,000.00 rubles.
• 3. The average number of employees is:

a. in 2013 - 102 people;

b. in 2014 -123 people.

4. Revenue from the sale of goods (work, services) excluding VAT is:

a. in 2013 - 134906 thousand rubles;

b. in 2014 - 156,000 thousand rubles.

An accounting policy for accounting and tax accounting. In 2015, amendments were made to the Accounting Policy related to changes in the Legislation.

TekhnoStroyService LLC is located at General system taxation, in which it fully maintains accounting records and pays all general taxes.

For expansion production activities the company decided to purchase specialized vehicles on credit.

The main source of information for analysis financial condition And financial results activities of small enterprises is accounting (financial reporting).

A comprehensive assessment of financial and economic activities is an element of enterprise management; it is one of the stages management activities and is important source information for making and justifying effective management decisions.

The main goal of a comprehensive analysis of the financial and economic activities of an enterprise is to assess the effectiveness of its activities commercial organization and identifying reserves for its increase.

Let us reveal the meaning of the following economic indicators:

• 3. Financial stability and liquidity
• - The financial independence coefficient shows the share of the organization’s assets that are covered by its own capital (provided by its own sources of formation). The remaining share of assets is covered by borrowed funds.

Investors and banks issuing loans pay attention to the value of this ratio. The higher the ratio, the more likely the organization is to repay debts through own funds. The higher the indicator, the more independent the enterprise is.

• - The current liquidity ratio shows the company’s ability to pay off current (short-term) obligations using only current assets. The higher the coefficient, the better the solvency of the enterprise. This indicator takes into account that not all assets can be sold urgently.
• - The equity ratio shows the share of the company’s current assets financed from the enterprise’s own funds.

The asset turnover ratio shows the number of complete product circulation cycles for the analyzed period. Or how many monetary units products sold brought each monetary unit of assets. Or in other words, it shows the number of turnovers of one ruble of assets during the analyzed period.

This indicator is used by investors to evaluate the effectiveness of capital investments.

How to compile information about the company's activities sample

Information letter about the company's activities sample

This resource is intended to help people who conduct office work in practice, and not for students who mostly need theoretical knowledge (for correct answers in exams). Therefore, if you need to compose an information letter in essence, but the classification for office work is different , do not delve into the theoretical subtleties of the difference between letters, pay attention to the samples of business letters presented below. A message letter is about events that are of mutual interest to the sender and recipient. It can be either an initiative letter or a response. Sample message letter (only the text is given below, the letter is formatted in the same way as in the link above). Sample message letter No. 2 The main purpose of the notification letter is to convey information to the addressee that a public event will take place.

A businessman or company may have a period when registration with the tax office has already been completed.

I looked at the bank clerk and all three contract numbers were listed correctly. Sample explanatory letter - business management and letters I was prompted to write this article by the constant mistake of our borrowers.

Info Foreign currency funds were transferred to pay wages to personal accounts in Sberbank d70-k51.

Everyone is too lazy to move their hand too much just to attach a certificate to the accounting department and do everything as necessary. Banks will inspect companies that are impossible to contact according to the list on the Federal Tax Service website. To

Information letter about the company's activities

1. head of the marketing department (if we are talking about new marketing offers for partners);
2. deputy director (if the company administration informs its employees about something through a letter), etc.

In any case, the author of the letter must be the person in whose job functions includes writing this kind letters or authorized to draw them up by a separate order of the director.

Information letter about the company's activities: sample, how to write it

Contains a proposal for possible beneficial cooperation or acts as a preliminary stage prior to the conclusion of the main contract.

It contains information about obligations, for example, about fulfilling the conditions of the prisoner, transferring funds, etc.
Information mail. Includes various informational information, the purpose of which is to inform the addressee about changes that have occurred or are planned, possible proposals, etc.

In order not to waste time composing letters, you should take as a basis a general template suitable for any type of business correspondence.

Information letters Information letters can be used in the following cases:

1. To send recommendations, proposals, clarifications of various information from government and management bodies to subordinate organizations of various types.

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.

Where does the business process begin and end? What processes is it connected with? What is being exchanged? What operations are performed?

In what order?

Business scheme example for a bank

1. Company name;
2. volumes of supplies or purchases;
3. work period;

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

1. Marketing. IN marketing plan the volume and profitability of sales, possible consumers should be considered, the sales market and competitors should be analyzed.

Sample letter to bank

Naturally, if we are talking 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. Info

It’s great if there are any preliminary cooperation agreements with suppliers.

The list of suppliers and consumers should include:

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

Information letter about the activities of the organization for the bank sample

Sample information letter to the bank about the company's activities

Limited Liability Company "Company" OGRN 1045012461022 INN 7701025478 KPP 770101001127138, Moscow, st. Basmannaya, 25 To the head of JSCB "Combank" Ivanov Ivan Ivanovich 103473,

Moscow, Prospekt Mira, 10 LETTER dated 08/29/11 No. 125B In order to correctly identify our company as a client on the basis of Article 7 of the Federal Law dated 08/07/01 No. 115-FZ

“On combating the legalization (laundering) of proceeds from crime and the financing of terrorism”

We inform you about the following. The main type of business activity of the Limited Liability Company "Company" from the moment of its creation to the present day is associated with the retail trade of food products, including drinks, and tobacco products in specialized stores (OKVED code 52.2).

Important Business lawyer Information letter about the company’s activities: a sample of how to write an Information letter

Sample information letter about the company's activities for a bank

Info The fact is that this morning, while I was on my way to the bus stop, I became a witness and participant in an unpleasant incident. There was no time to wait for interbank markets while the Rostov theme with ale was playing with might and main. This includes everything that may be, but has not yet been decided, or may be, but not necessarily warranty obligations and legal proceedings, which at the time of drawing up the proposal have not yet been completed.

And in these cases, bank employees have reason to suspect the company of being involved in money laundering.

My advice, write the truth honestly, I earned goodies, funds, cards, bills and accounts belong to me, nothing illegal.

Attention How to format an information letter There are no special requirements for the format of the letter, as well as for its content.

These letters contain information advertising nature, which the sender wishes to convey to clients or partners (both current and potential). Such a document is drawn up on the organization’s letterhead, and the size of the main text can range from two or three sentences to several pages.

Despite the fact that the sample information letter and forms for it are freely available, you can use your own forms in a specific organization. How to properly format

This could be: a meeting, conference, exhibition, business tour, etc.

Example of an information letter for a bank

To whom to address an information letter about the company's activities An information letter can be sent to a specific person or group of people: the director of a potential partner organization, the customer - an individual entrepreneur, team members, etc.

Letters can be:

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

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

However, in general, for the reporting period the organization has a profit of 36.6 thousand rubles. The liquidity and solvency indicators of the organization are calculated in table. 1.2. Table 1.2. Analysis of liquidity and solvency Liquidity indicator Indicator value in thousand rubles. Calculation, recommended value At the beginning of the period At the end of the period 1. Current ratio 0.92 1.87 Ratio of current assets to short-term liabilities. Recommended value 2.0 2. Quick ratio 0.73 1.18 The ratio of current assets to short-term liabilities minus inventories. Recommended value 1.0 3.
Categories

• Business law
• I individual entrepreneur(IP), I produce lumber for construction companies. The bank asked to present in writing the economic sense of carrying out transactions on the account, referring to the Law of 08/07/2001 No. 115-FZ I transferred cash to my personal accounts in other banks within a month in the amount of 1.3 million rubles received from counterparties for the goods supplied. 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.

The trade margin is on average 60%. Costs for the delivery of goods are not included in the cost of goods, but are taken into account in account 44 “Sales expenses”. All sales expenses collected on account 44 are written off in full to account 90 “Sales”.

There is no calculation of expenses for the balance of goods.

Written description of the organization's activities sample for a bank

Be sure to indicate that your company is not on any of the “black” lists (tax credit lists, etc.). Read also: Obtaining and re-registration of a legal address Such a document can be made the main one (if there are no others) or additional. It not only confirms that the company is respected by other companies, but it is also in good standing in the labor market, with the Federal Tax Service and other structures. Letter to clarify payment to the bank No one is immune from errors when making payments, but not every error can be corrected with just one call; some require sending a letter. Imagine this situation: you or your business partner made a payment for a large amount, but discovered that an error had been made. It is worth notifying the institution about this as quickly as possible, which will certainly contact the recipient and clarify the reasonableness of making adjustments.

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Otherwise, there is a risk that the bank will again bombard the company with requests regarding intensive cash flow. Limited Liability Company "Company" OGRN 1045012461022 INN 7701025478 KPP 770101001127138,

Moscow, st. Basmannaya, 25 To the head of JSCB "Combank" Ivan Ivanovich Ivanov 103473, Moscow, Mira Avenue, 10 LETTER dated 08/29/11 No. 125B For the purpose of correctly identifying our company as a client on the basis of Article 7 of the Federal Law dated 08/07/01 No. 115-FZ “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism” we inform you about the following.

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, there is no need to analyze the 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 are talking about opening a retail store, there can be no talk of 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. The marketing plan should consider the volume and profitability of sales, possible consumers, analyze the sales market and competitors. 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 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 comprehensive assessment development of activities, analyze the state of the market, consumer requests, 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. This section It is better to draw it up 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 am an individual entrepreneur (IP), producing 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 goods. I have prepared a response with the following content: In accordance with the provisions of the Federal Law of the Russian Federation dated August 7, 2001 No. 115-FZ, you asked for a written explanation of the economic meaning of conducting transactions on an individual’s own bank accounts opened with 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, a response was compiled: To the branch of MTS Bank PJSC in the city.
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 carry the risk of loss 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 further 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 associated with 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 the general essence of the sequence of actions that make up the 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 functions-subprocesses 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 will be a 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 form 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 connected 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 General Director Organization of financial and economic activities Approval of the organizational project Commercial director Supply and sale of consumer goods Selection of participants, activity schemes, 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 Provision of standard forms of accounting reports, coordination of payment schemes Lawyer Legal issues of 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 doesn't hurt to create a description of how the process is functioning at a given point in 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 local governments of the city. Banks have begun to show enthusiasm for the legality of clients’ income and include a question about the 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 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, information letters are used to promote the activities of organizations, their products, and published literature.