31
Дипломная работа: 88 с, 20 рис., 7 табл., 56 источников, 1 прил.
ВАЛЮТА, ИНОСТРАННАЯ ВАЛЮТА, ВАЛЮТНЫЕ ОПЕРАЦИИ, РЕЗИДЕТЫ, НЕРЕЗИДЕТНЫ,
КОНВЕРТИРУЕМОСТЬ ВАЛЮТ, ВАЛЮТНЫЙ КУРС, ВАЛЮТНЫЙ КОНТРОЛЬ
Объектом исследования является отделение ОАО «Белагропромбанк» в
г.Браславе.
Целью работы является изучение теоретических и практических аспектов
проведения валютных операций коммерческого банка на примере отделения
ОАО «Белагропромбанк» в г.Браславе.
В процессе работы выполнен анализ проведения валютных операций с
участием физических лиц, рассмотрены источники формирования валютных
ресурсов и направления их размещения на рынке банковских услуг, проведен
анализ процентных ставков по привлекаемым и размещаемым валютным
средствам, проведена разработка программного обеспечения – программного
модуля для банка.
Элементами практической значимости полученных результатов являются
предложения по совершенствованию совершения валютных операций в
иностранной валюте.
Областью возможного практического применения предложений по
совершенствованию валютных операций и проекта программного обеспечения
являются отделения и филиалы отечественных банков.
В ходе дипломного проектирования прошли апробацию такие предложения, как
развитие сети обменных пунктов и валютных касс и подкрепление наличной
иностранной валютой валютных касс в достаточном объеме.
Программное обеспечение проходит подготовку к внедрению в отделении ОАО
«Белагропромбанк» в г.Браславе.
Студент-дипломник подтверждает, что приведенный в дипломной работе
расчетно-аналитический материал объективно отражает состояние
исследуемого процесса (разрабатываемого объекта), все заимствованные из
литературных и других источников теоретические и методологические
положения и концепции сопровождаются ссылками на их авторов.
Содержание
Введение 5
1. Теоретические аспекты организации и проведения валютных операций в
Республике Беларусь 7
1.1 Экономическое содержание и принципы организации валютных
операций……………………………………………………………………………7
1.2 Классификация валютных операций 19
1.3 Особенности организации валютного регулирования и валютного контроля
в Республике Беларусь 25
2. ОЦЕНКА ЭФФЕКТИВНОСТИ ОСУЩЕСТВЛЕНИЯ ВАЛЮТНЫХ ОПЕРАЦИЙ НА ПРИМЕРЕ
ОТДЕЛЕНИЯ ОАО «БЕЛАГРОПРОМБАНК» В Г.БРАСЛАВЕ
……………………………………………………………………31
2.1 Анализ валютных операций отделения ОАО «Белагропромбанк» в
г.Браславе с участием физических лиц…………………………………………31
2.2 Анализ размещенных и привлеченных ресурсов в иностранной валюте
отднления ОАО «Белагропомбанк» в г.Браславе……………………………..41
3. ОСНОВНЫЕ НАПРАВЛЕНИЯ СОВЕРШЕНСТВОВАНИЯ МЕХАНИЗМА ПРОВЕДЕНИЯ НАЛИЧНЫХ
ВАЛЮТНО-ОБМЕННЫХ ОПЕРАЦИЙ 54
3.1 Направления совершенствования механизма валютно-обменных
операций………………………………………………………………………….54
3.2 Пути повышения экономической эффективности применения программного
средства для учета валютно-обменных операций 66
Заключение 82
Список использованных источников 84
Приложения 88
ВВЕДЕНИЕ
Банки – необходимый финансовый институт на данном этапе развития. Они
помогают сделать процесс производства непрерывным, концентрируя у себя
для этого временно свободные денежные средства и направляя их туда, где
они в данный момент необходимы. Специфика деятельности банков
заключается в том, что они, в отличие от обычных предприятий, оперируют
в основном чужими (привлеченными) средствами и поэтому на них ложится
огромная ответственность за сохранность доверенных им денег.
Характерным для современного банковского дела является также то, что
постоянно совершенствуется не только «традиционный» денежно-кредитный
инструментарий, но все время возникают новые формы и методы банковского
воздействия на экономическую жизнь общества. Все они направлены в явном
или неявном виде на поддержание экономического равновесия. Впрочем, на
это должны быть сориентированы и другие экономические регуляторы.
Игнорирование этого обстоятельства приводило и приводит к самым тяжелым
последствиям для экономики государств с любым общественным устройством.
Это относится, например, к феномену избыточной денежной массы, к
долговременной директивной фиксации валютного курса национальной
денежной единицы, а также другим попыткам силового регулирования
денежно-кредитной сферы.
Банковская система является важнейшей составной частью рыночной
экономики. Современное государство с рыночной экономикой, используя
различные денежно-кредитные инструменты, может влиять практически на все
параметры общественного производства, поэтому исследование проблем
осуществления валютных операций коммерческих банков является актуальной.
Каждый из субъектов рыночной экономики опосредованно или напрямую
заинтересован в надежности и прибыльности коммерческого банка. Решением
этой задачи может стать планирование и эффективное управление
финансовыми ресурсами коммерческого банка, и в частности проведение
валютных операций с участием физических и юридических лиц.
Таким образом, актуальность выбранной темы не вызывает сомнения. Данное
исследование значимо еще и потому, что в белорусской банковской практике
пока нет четко разработанной методики планирования. Осуществление
планирования деятельности на практике позволяет четко сформулировать те
цели, на основе которых будет строиться дальнейшая деятельность
кредитной организации, а так же дает возможность рассмотреть вероятные
сценарии развития банка.
Целью исследования дипломной работы является изучение теоретических и
практических аспектов проведения валютных операций коммерческого банка
на примере отделения ОАО «Белагропромбанк» в г.Браславе.
Объектом исследования является отделение ОАО «Белагропромбанк» в
г.Браславе. Предметом исследования является проблемы проведения валютных
операций.
Для достижения поставленной цели, в дипломной работе необходимо решить
следующие задачи:
– рассмотреть теоретические аспекты формирования проведения валютных
операций коммерческого банка;
– провести содержательный анализ проведения валютных операций отделения
ОАО «Белагропромбанк» в г.Браславе за 1 квартал 2005 года и 1 квартал
2006 года;
– внести предложения по направлению совершенствования проведения
валютных операций отделения ОАО «Белагропромбанк» в г.Браславе.
В работе использованы следующие методы анализа: горизонтальный,
вертикальный, сравнительный.
В первой главе дипломной работы приводится экономическое содержание
валютных операций, их классификация, особенности валютного регулирования
и валютного контроля в Республике Беларусь.
Во второй главе на примере отделения ОАО «Белагропромбанк» в г.Браславе
приводится анализ проведения валютных операций с участием физических лиц
и анализ размещенных и привлеченных ресурсов в иностранной валюте,
приводятся выводы по результатам анализа.
В третьей главе дипломной работы рассматриваются направления
совершенствования механизма валютных операций и экономическая
эффективность применения программного обеспечения, даны конкретные
предложения по совершенствованию проведения валютных операций.
Основными источниками информации для написания дипломной работы явились
литературные источники белорусских и российских издательств по
денежно-кредитным и банковским проблемам, а также нормативно-правовые
документы, действующие на территории Республики Беларусь, касающиеся
банковской деятельности, практический материал, предоставленный
отделением ОАО «Белагропромбанк». Особое внимание уделено научным
работам С.И. Пупликова, М.А. Коноплицкой, С.С. Шмарловской, Н.П.
Беляцкого, Е.Ф.Жукова, В.Н. Костюка, И.Н. Лемешевского.
1. Теоретические аспекты организации и проведения валютных операций в
Республике Беларусь
1.1 Экономическое содержание и принципы организации валютных
операций
Законодательство Республики Беларусь в области осуществления валютных
операций начало формироваться в 1992 г. Следует отметить, что
законодательная база претерпевает значительные изменения, поэтому
регулярно публикуются Указы Президента Республики Беларусь, Законы и
нормативные подзаконные акты, которые вводят новые, уточняют или
отменяют старые правила ведения валютных операций. Основными
законодательными документами, регулирующими проведение валютных
операций, в том числе и операций на внутреннем валютном рынке Республики
Беларусь, на данном этапе являются: Закон Республики Беларусь «О
валютном регулировании и валютном контроле» № 226-3 от 22.07.2003 г.,
Банковский Кодекс Республики Беларусь, Правила проведения валютных
операций, утвержденные постановлением Правления Национального банка
Республики Беларусь от 30.04.2004 г. №72, Указ Президента Республики
Беларусь от 17.07.2006 г. №452 «Об обязательной продаже иностранной
валюты» и др. документы.
Современный валютный рынок представляет сложную и динамичную
экономическую систему, которая функционирует в рамках всего мирового
хозяйства. Валютный рынок непрерывно развивался, усложнялся и
приспосабливался к новым условиям, пройдя путь от локальных центров
торговли векселями в иностранных валютах до фактически единственного
подлинно международного рынка, экономическую роль которого трудно
переоценить. Вместе с развитием и совершенствованием валютного рынка
совершенствовались валютные операции, появлялись новые их виды,
улучшалась техника их проведения.
Банки и небанковские учреждения осуществляют свою деятельность на
валютном рынке путем проведения валютных операций.
На валютном рынке происходит обмен национальной валюты на валюты других
стран путем купли-продажи. Покупка иностранной валюты необходима как для
осуществления экспортно-импортных операций, так и для осуществления
операций, связанных с движением капталов. Эффективно работающий валютный
рынок обслуживает внутренний и международный платежный оборот.
Немаловажное значение он имеет для поддержания ликвидности в период
высокой инфляции за счет страхования рисков от возможного изменения
валютных курсов.
Валютный рынок – это сфера экономических отношений, проявляющихся при
осуществлении операций по купле – продаже иностранной валюты и ценных
бумаг в иностранной валюте, а так же операций по инвестированию
валютного капитала. [12, с.27].
Основная причина необходимости валютных операций связана с отсутствием
универсального платежного средства, выступающего в качестве единого
платежного средства и позволяющего проводить международные расчеты во
внешней торговле, инвестировать иностранный капитал в экономику,
осуществлять межгосударственные платежи. Покупка и продажа валюты может
также быть использована как банками, так и их клиентами для получения в
виде разницы курсов валют.
Для того чтобы раскрыть сущность и содержание понятия «валютные
операции», необходимо дать определение основным, ключевым терминам
данной темы. Прежде всего, это – валюта.
Следует подчеркнуть, что данное понятие может применяться в трех
значениях:
– как денежная единица данной страны (белорусский рубль, доллар США,
итальянская лира, польский злотый и т.д.);
– как денежные знаки иностранных государств, кредитные и платежные
документы, выраженные в денежных единицах и используемые в международных
расчетах, – иностранная валюта;
– как международная (региональная) денежная расчетная единица и
платежное средство (СДР, евро, арабский расчетный доллар).
Однако отдельные ученые полагают, что чисто валютой следует считать
только международную (региональную) денежную единицу.
Автор полагает, что валюта – это особый способ функционирования денег,
когда национальные деньги обеспечивают международные торговые и
кредитные отношения.
С теоретической и практической точек зрения следует различать понятия
«валюта» и «валютные ценности». Последние включают в себя:
– иностранную валюту;
– платежные документы в иностранной валюте, являющиеся таковыми в
соответствии с законодательством Республики Беларусь;
– ценные бумаги в иностранной валюте;
– белорусские рубли при совершении сделок между резидентами и
нерезидентами, между нерезидентами на территории Республики Беларусь, их
ввозе пересылке в Республику Беларусь, вывозе и пересылке из Республики
Беларусь, осуществлении международных банковских переводов,
осуществлении нерезидентами операций, не влекущих перехода права
собственности на белорусские рубли, по счетам вкладам (депозитам) в
банках и небанковских кредитно-финансовых организациях Республики
Беларусь;
– ценные бумаги в белорусских рублях при совершении сделок между
резидентами и нерезидентами, между нерезидентами на территории
Республики Беларусь, их ввозе и пересылке в Республику Беларусь, вывозе
и пересылке из Республики Беларусь. [2].
В свою очередь «иностранная валюта» включает в себя;
– денежные знаки в виде банкнотов, казначейских билетов, монет,
находящиеся в обращении и являющиеся законным платежным средством в
соответствующем иностранном государстве или группе государстве, а также
изъятые или изымаемые из обращения. Но подлежащие обмену;
– средства в денежных единицах иностранных государств и международных
денежных или расчетных единицах, находящиеся на счетах в банках и
небанковских кредитно-финансовых организациях Республики Беларусь,
банках и иных кредитно-финансовых организациях за пределами Республики
Беларусь;
– средства на счетах в денежных единицах иностранных государств и
международных денежных или расчетных единицах.
«Ценные бумаги в иностранной валюте» предполагают следующие:
– ценные бумаги, являющиеся таковыми в соответствии с законодательством
Республики Беларусь, номинальная стоимость которых выражена в
иностранной валюте;
– ценные бумаги, являющиеся таковыми в соответствии с законодательством
Республики Беларусь, не имеющие номинальной стоимости и выраженные в
иностранной валюте;
– ценные бумаги, выпущенные нерезидентами и являющиеся таковыми в
соответствии с законодательством иностранных государств, номинальная
стоимость которых выражена в иностранной валюте;
– ценны бумаги, выпущенные нерезидентами и являющиеся таковым в
соответствии с законодательством иностранных государств, не имеющие
номинальной стоимости и выраженные в иностранной валюте.
Ценные бумаги в белорусских рублях включают в себя:
– ценные бумаги, являющиеся таковыми в соответствии с законодательством
Республики Беларусь, номинальная стоимость которых выражена в
белорусских рублях;
– ценные бумаги, являющиеся таковыми в соответствии с законодательством
Республики Беларусь, не имеющие номинальной стоимости и выраженные в
белорусских рублях;
– ценные бумаги, выпущенные нерезидентами и являющиеся таковыми в
соответствии с законодательством иностранных государств, номинальная
стоимость которых выражена в белорусских рублях;
– ценны бумаги, выпущенные нерезидентами и являющиеся таковым в
соответствии с законодательством иностранных государств, не имеющие
номинальной стоимости и выраженные в белорусских рублях.
Для правильного представления обо всех видах внешнеэкономической
деятельности субъектов хозяйствования и в том числе валютных операций
особое значение в белорусском законодательстве имеют понятия «резидент»
и «нерезидент».
Под резидентами понимаются:
– физические лица – граждане Республики Беларусь, а также иностранные
граждане и лица без гражданства, имеющие вид на жительство (либо
заменяющий его документ, выданный компетентными юридические лица,
государственными органами Республики Беларусь);
– юридические лица, созданные в соответствии с законодательством
Республики Беларусь, с местом нахождения в Республике Беларусь;
– филиалы и представительства резидентов, находящие за пределами
Республики Беларусь;
– дипломатические и иные официальные представительства, консульские
учреждения Республики Беларусь, находящиеся за пределами Республики
Беларусь;
– Республика Беларусь, ее административно-территориальные единицы,
участвующие в отношениях, регулируемых законодательством Республики
Беларусь согласно законодательству Республики Беларусь.
– физические лица – иностранные граждане и лица без гражданства, за
исключением иностранных лиц и лиц без гражданства, имеющих вид на
жительство (либо заменяющий его документ, выданный компетентными
государственными органами Республики Беларусь);
– юридические лица, созданные в соответствии с законодательством
иностранных государств, с местом нахождения за пределами Республики
Беларусь;
– организации, не являющиеся юридическими лицами, созданные в
соответствии с законодательством иностранных государств, с местом
нахождения за пределами Республики Беларусь;
– дипломатические и иные официальные представительства, консульские
учреждения иностранных государств, находящиеся в Республике Беларусь и
за ее пределами;
– международные организации, их филиалы и представительства;
– филиалы и представительства нерезидентов, находящие в Республики
Беларусь и за ее пределами;
– иностранные государства, их административно-территориальные единицы,
участвующие в отношениях, регулируемых законодательством Республики
Беларусь согласно законодательству Республики Беларусь. [2].
Нерезиденты:
– физические лица – иностранные граждане и лица без гражданства, за
исключением иностранных граждан и лиц без гражданства;
– юридические лица, созданные в соответствии с законодательством
иностранных государств, с местом нахождения за пределами Республики
Беларусь;
– организации, не являющиеся юридическими лицами, созданные в
соответствии с законодательством иностранных государств, с местом
нахождения за пределами Республики Беларусь;
– дипломатические и иные официальные представительства, консульские
учреждения иностранных государств, находящиеся в Республике Беларусь и
за ее пределами;
– международные организации, их филиалы и представительства;
– филиалы и представительства нерезидентов, находящиеся в Республике
Беларусь и за ее пределами;
– иностранные государства, их административно-территориальные единицы,
участвующие в отношениях, регулируемых валютным законодательством
Республики Беларусь.
Очень важной характеристикой валюты является ее конвертируемость, то
есть уровень законодательных валютных ограничений при обмене на другие
валюты. По степени конвертируемости валюта делится на:
– свободно конвертируемую;
– ограниченно конвертируемую;
– замкнутую;
– клиринговую.
Свободно конвертируемая валюта – валюта, свободно и неограниченно
обмениваемая на валюты других стран и применяемая во всех видах
международного платежного оборота. В настоящее время только некоторые
государства имеют свободно конвертируемую национальную валюту –
Соединенные Штаты Америки, Англия, Австрия, Канада, Япония и др.
Ограниченно конвертируемая валюта – валюта, обмениваемая на ограниченное
число иностранных валют и применяемая с ограничениями в международных
расчетах. Наличие ограничений обусловлено нестабильностью экономического
положения страны и несбалансированностью платежного баланса. Большинство
стран мира имеют ограниченно конвертируемую национальную валюту.
Замкнутая (неконвертируемая) валюта – валюта, не обмениваемая на другие
иностранные валюты и применяемая только внутри страны. Замкнутыми
являются те валюты, на которые налагаются ограничения по ввозу, вывозу,
покупке, продаже и к которым применяются различные методы валютного
регулирования.
Клиринговая валюта – расчетные валютные единицы, которые существуют
только как счетные деньги в виде бухгалтерских записей банковских
операций по взаимным поставкам товаров и оказанию услуг между странами
– участниками клиринговых расчетов. [24, с. 49.].
Официальную котировку курса белорусского рубля к доллару США и к
российскому рублю устанавливает Национальный банк Республики Беларусь по
результатам торгов ОАО «Белорусская валютная фондовая биржа».
Отношение белорусского рубля к другим иностранным валютам, за исключение
национальных валют стран-участниц Экономического и валютного союза
(ЭВС), определяется на основании кросс-курса доллара США к этим валютам.
Кросс-курс – котировка иностранных валют, ни одна из которых не является
национальной валютой участника сделки, установившего курс. Кросс-курсы
доллара США к иностранным валютам рассчитываются с использованием
сведений, представляемых Центральными банками государств в Национальный
банк Республики Беларусь, или информации Агентства «Рейтер». Официальные
котировки курсов национальных валют стран-участниц Экономического и
валютного союза к белорусскому рублю устанавливаются на основе
официального курса евро к белорусскому рублю путем пересчета по курсам
конверсии каждой из национальных валют в евро. При осуществлении
официальной котировки курса белорусского рубля Национальный банк
Республики Беларусь осуществляет группировку иностранных валют и
деление:
– на первую группу или свободно конвертируемые валюты;
– вторую группу или ограниченно конвертируемые валюты.
Каждая валюта имеет буквенное и цифровое обозначение. Официальная
котировка белорусского рубля к иностранным валютам осуществляется
Национальным банком Республики Беларусь ежедневно в день проведения
торгов. По отдельным видам валют она проводится только раз в месяц – на
первое число каждого месяца по результатам последних торгов. Перечень
иностранных валют, которые могут быть использованы при расчетах
субъектами хозяйствования и сферы услуг Республики Беларусь, их
классификация по группам, буквенное и цифровое обозначения,
периодичность установления официальной котировки приведен в Приложении
А.
Курсы устанавливаются без обязательств Национального банка Республики
Беларусь покупать или продавать указанные валюты по установленным
официальным курсам.
Большинство же коммерческих банков проводит операции с ограниченным
кругом иностранных валют. Из 37 иностранных валют, ежедневно котируемых
Национальным банком Республики Беларусь, осуществить валютно-обменные
операции реально можно только не более чем с 20-ю валютами, да и то в
крупных коммерческих банках. Средние и мелкие банки проводят операции
преимущественно с долларами США, евро и с российскими рублями. [26, с.
24].
Оплата за иностранную валюту может проводиться:
– в наличных рублях;
– в безналичных рублях.
Все валютно-обменные операции, предусматривающие перечисление денежных
средств в безналичном порядке, производятся только в кассах банка, за
исключением покупки наличной иностранной валюты за безналичные
белорусские рубли, которая может совершаться как в кассах, так и в
обменных пунктах.
Валютно-обменные операции покупки, продажи, конверсии, обмена, размена,
проводимые в обменных пунктах либо кассах банка и связанные с получением
от физических лиц или выплатой физическим лицам наличных рублей либо
наличной иностранной валюты, а также с выдачей платежных документов в
иностранной валюте, оформляются документами с использованием кассовых
аппаратов или компьютерных систем. [22, с. 3].
Таким образом, ознакомившись с основными терминами, касающимися данной
темы обратимся к Закону «О валютном регулировании и контроле», дающим
наиболее полное определение валютных операций. Итак, валютными
операциями считаются:
– сделки, предусматривающие использование иностранной валюты, ценных
бумаг в иностранной валюте, платежных документов в иностранной валюте;
– сделки между резидентами и нерезидентами, предусматривающие
использование белорусских рублей, ценных бумаг в белорусских рублях;
– сделки между нерезидентами, предусматривающие использование
белорусских рублей, ценных бумаг в белорусских рублях, совершаемые на
территории Республики Беларусь;
– ввоз и пересылка в Республику Беларусь, а также вывоз и пересылка из
Республики Беларусь валютных ценностей;
– международные банковские переводы;
– операции нерезидентов с белорусскими рублями по счетам и вкладам
(депозитам) в банках и небанковских кредитно-финансовых организациях
Республики Беларусь, не влекущие перехода права собственности на эти
белорусские рубли;
– операции с иностранной валютой по счетам и вкладам (депозитам) в
банках и небанковских кредитно-финансовых организациях Республики
Беларусь, банках и иных кредитных организациях за пределами Республики
Беларусь, не влекущие перехода права собственности на эту иностранную
валюту. [2].
Все валютные операции в Республике Беларусь проводятся через
уполномоченные банки и уполномоченные предприятия Республики Беларусь
Уполномоченными банками считаются банки и иные кредитные учреждения,
получившие лицензию Национального банка Республики Беларусь на
проведение валютных операций. Уполномоченные предприятия – это субъекты
хозяйствования (кроме уполномоченных банков), получившие разрешение
(лицензию) Национального банка Республики Беларусь на проведение
валютных операций и действующие в пределах прав, предоставленных данными
разрешениями (лицензиями).
Лицензирование валютных операций банков происходит на основании «Правила
выдачи банкам лицензий на право совершения операций в иностранной
валюте» №33 от 10.03.1993 г. (с изменениями и дополнениями, внесенными
письмами Национального банка Республики Беларусь).
Лицензии на осуществление банками, включая иностранные банки, филиалы
иностранных банков с правом юридического лица и банки с участием
иностранного капитала, операций с иностранной валютой на территории
Республики Беларусь и за ее пределами выдаются национальным банком
Республики Беларусь. [6].
Лицензии разделяются на генеральные лицензии, внутренние и разовые.
Генеральная лицензия предоставляет банкам право на совершение полного
или ограниченного круга банковских операций в иностранной валюте как на
территории Республики Беларусь, так и за ее пределами. Внутренняя
лицензия дает право на осуществление банками полного или ограниченного
круга банковских операций в иностранной валюте только на территории
Республики Беларусь. Разовая лицензия – право на проведение конкретной
операции в иностранной валюте в разовом порядке. Банки вправе
ходатайствовать о получении дополнительных прав на совершение операций в
иностранной валюте. [6].
Генеральная лицензия на совершение операций в иностранной валюте
включает следующее:
1. открытие и ведение счетов в иностранной валюте белорусских,
иностранных и международных организаций, совместных предприятий,
белорусских и иностранных граждан;
2. осуществление неторговых операций;
3. проведение расчетов, связанных с экспортно-импортными операциями
клиентов банка в иностранной валюте;
4. осуществление за свой счет или по поручению клиентов банка
юридических лиц-резидентов операций по купле-продаже иностранной валюты
в форме двухсторонних сделок, а также на валютных биржах;
5. осуществление операций по купле-продаже наличной иностранной валюты
физическим лицам;
6. открытие и ведение корреспондентских счетов коммерческого банка в
иностранных банках (счета «Ностро»), а также счетов иностранных
банков-корреспондентов в коммерческом банке (счета «Лоро»);
7. привлечение и размещение на территории Республики Беларусь и за ее
пределами средств в иностранной валюте в форме кредитов, депозитов,
вкладов и в других формах, принятых в международной банковской практике,
выдача поручительств, гарантий и других денежных обязательств в пользу
третьих лиц;
8. другие операции, принятые в международной практике и не запрещенные
действующим законодательством по согласованию с Национальным банком
Республики Беларусь [6].
Внутренняя лицензия на совершение операций в иностранной валюте включает
следующее:
1. открытие и ведение счетов в иностранной валюте белорусских,
иностранных и международных организаций, совместных предприятий,
белорусских и иностранных граждан;
2. осуществление операций по купле-продаже наличной иностранной валюты
физическим лицам;
3. открытие и ведение корреспондентского счета банка в уполномоченном
банке-резиденте, имеющем генеральную лицензию Национального банка
Республики Беларусь, для осуществления следующего:
3.1. поддержания валютной позиции банка;
3.2. неторговых операций;
3.3. проведение расчетов, связанных с экспортно-импортными операциями
клиентов банка в иностранной валюте;
3.4. осуществление за свой счет или по поручению клиентов банка
юридических лиц-резидентов операций по купле-продаже иностранной валюты
в форме двухсторонних сделок на Межбанковской валютной бирже [6].
Банк, получивший генеральную или внутреннюю лицензию на осуществление
операций в иностранной валюте, является уполномоченным Национального
банка и выполняет функции агента валютного контроля за операциями своих
клиентов.
Лицензии, выдаваемые Национальным банком Республики Беларусь, не
являются основанием для проведения внешнеторговых операций любого вида,
не относящихся непосредственно к банковской деятельности.
Банки обязаны предоставлять Национальному банку Республики Беларусь
статистическую отчетность о своих операциях в иностранной валюте по
формам и в срокам, установленные Национальным банком Республики
Беларусь, а также сведения об открытии корреспондентских счетов в
иностранных банках. При проведении операций с иностранной валютой банки
руководствуются национальным законодательством и нормативными актами
Национального банка.
Национальный банк Республики Беларусь осуществляет надзор за
соответствием выполняемых банком операций, разрешенных лицензией, и
проводит ревизии и тематические проверки валютных операций.
Юридические лица-резиденты хранят принадлежащую им иностранную валюту на
счетах в уполномоченных банках Республики Беларусь и в своих валютных
кассах. В разрешенных Национальным банком Республики Беларусь случаях
средства юридических лиц-резидентов Республики Беларусь могут находиться
на их счетах в иностранных банках за пределами Республики Беларусь.
Для осуществления банковских операций в белорусских рублях и иностранной
валюте банк должен располагать следующими техническими возможностями:
– кассовыми узлами, соответствующими нормативным правовым актам
Национального банка, регламентирующим вопросы организации кассовой
работы в банках, и действующим строительным нормам и правилам, а также
государственным стандартам Республики Беларусь;
– информацией для клиентов (табло курсов покупки и продажи иностранной
валюты, объявления, правила и т.п.);
– оборудованием счетной, компьютерной и организационной техникой;
– необходимыми бланками строгой отчетности, штампами, печатями и
пломбирами;
– техническими средствами по определению подлинности наличной валюты;
– средствами защиты информации;
– системой по контролю за прохождением документов [7].
Единый порядок осуществления валютных операций юридическими лицами, а
также валютных операций с участием физических лиц определен Правилами
проведения валютных операций, утвержденными постановлением Правления
Нацбанка Республики Беларусь от 30.04.2004 №72 и вступившими в силу с
01.07.2004 г.
Правилами №72 определен перечень случаев, в которых возможно
использование иностранной валюты, ценных бумаг в иностранной валюте и
платежных документов в иностранной валюте при проведении валютных
операций между субъектами валютных операций – резидентами, как:
– расчеты с транспортными и (или) экспедиторскими организациями за
перевозку и (или) экспедирование грузов за пределы и из-за пределов
Республики Беларусь, за пределами Республики Беларусь, при транзите
через территорию Республики Беларусь;
– проведение организациями валютных операций с банками;
– внесение налогов, сборов (пошлин) и обязательных платежей в бюджет
(республиканский, местный), государственные целевые бюджетные и
внебюджетные фонды в случае, если возможность их уплаты в иностранной
валюте предусмотрена законодательными актами, и т.д.
Отдельно определен перечень случаев, в которых возможно использование
иностранной валюты, ценных бумаг в иностранной валюте и (или) платежных
документов в иностранной валюте в отношениях между субъектом валютных
операций и физическим лицом на территории Республики Беларусь. В числе
таких случаев:
– осуществление розничной торговли в магазинах беспошлинной торговли,
открываемых в соответствии с законодательством Республики Беларусь;
– осуществление розничной торговли и (или) оказание услуг на
автомобильных дорогах с нумерацией «М» и на пограничных переходах (с
указанием конкретного перечня реализуемых товаров и (или) оказываемых
услуг;
– реализация страховых услуг;
– реализация туристических услуг;
– получение оплаты по договорам перевозки физических лиц и их багажа
авиационным, железнодорожным транспортом за пределы и из-за пределов
Республики Беларусь;
– оказание услуг физическим лицам – нерезидентам по обучению, стажировке
и повышению квалификации. [8].
Для проведения расчетов в иностранной валюте с физическим лицом в
вышеуказанных случаях юридическое лицо – резидент должно иметь
разрешение Нацбанка на право осуществления таких операций за иностранную
валюту. Законодательство предусматривает также возможность
использования иностранной валюты с участием физических лиц без получения
разрешения Нацбанка при:
– осуществлении розничной торговли на борту воздушных судов белорусских
авиакомпаний, осуществляющих рейсы за пределы и из-за пределов
Республики Беларусь;
– взимании платы за постельные принадлежности, просмотр видеофильмов,
пользование мобильной связью, излишнюю ручную кладь, штрафа за
безбилетный проезд, взимании тарифа за проезд и доплаты за перевод
пассажиров в вагоны высшей категории, за торговое обслуживание в
вагонах-ресторанах, осуществление проводниками розничной торговли
товарами в поездах Белорусской железной дороги, следующих за пределы и
из-за пределов Республики Беларусь;
– осуществлении между нерезидентом и физическим лицом – резидентом,
между резидентом и физическим лицом – нерезидентом валютных операций по
предоставлению займов, возврату займов и процентов за пользование ими;
– проведении физическими лицами валютных операций с банками;
– проведении валютных операций между субъектом валютных операций –
нерезидентом и физическим лицом – нерезидентом;
– расчетах за оказываемую за пределами Республики Беларусь коллегиями
адвокатов юридическую помощь физическим лицам, а также при возмещении
расходов, связанных с ее оказанием, и выплате денежных сумм в
иностранной валюте, причитающихся соответствующим физическим лицам и
поступающих на счета указанных коллегий адвокатов;
– дарении, пожертвовании, в случае отмены дарения;
– продаже физическим лицам – нерезидентам акций юридических лиц –
резидентов;
– внесении физическим лицом вкладов в уставные фонды юридических лиц –
резидентов (включая акционерные общества), а также в случае возврата
данных средств при выходе или исключении этого физического лица из
состава участников;
– возврате иностранной валюты, ценных бумаг в иностранной валюте в
случаях изменения или расторжения договоров, ошибочно и (или) излишне
перечисленных (переданных), по сделкам, являющимся недействительными в
соответствии с законодательством;
– внесении налогов, сборов (пошлин) и обязательных платежей в бюджет
(республиканский, местный), государственные целевые бюджетные и
внебюджетные фонды в случае, если возможность их уплаты в иностранной
валюте предусмотрена законодательными актами;
– взимании органами МИД РБ (включая пункты пропуска на государственной
границе) консульских и иных сборов;
– приеме субъектом валютных операций от физических лиц иностранной
валюты для оплаты дипломатическим и иным официальным представительствам
иностранных государств консульских и иных сборов по оформлению
документов данных физических лиц;
– приеме иностранной валюты дипломатическими и иными официальными
представительствами иностранных государств;
– внесении физическим лицом-должником причитающимся с него по договору
иностранной валюты, ценных бумаг в иностранной валюте в депозит
нотариуса или депозит суда в случаях, установленным законодательством,
если использование иностранной валюты , ценных бумаг в иностранной
валюте в отношениях между физическим лицом – должником и кредитором
предусмотрено законодательством, а также выплата с депозита нотариуса
или депозита суда лицу, в адрес которого ранее поступили вышеназванные
средства;
– передаче оставшегося после удовлетворения требований кредиторов
имущества ликвидируемого юридического лица учредителям (участникам),
имеющим вещные права на это имущество или обязательные права в отношении
этого юридического лица, если иное не предусмотрено законодательством
или учредительными документами юридического лица;
– выплате физическим лицам причитающихся им и иным лицам денежных
средств, поступившим на счета субъекта валютных операций – резидента от
нерезидента по операциям неторгового характера;
– выплате субъектам валютных операций физическим лицам денежных средств
для оплаты командировочных расходов работникам за рубежом, а также иных
расходов, произведенных ими в иностранной валюте, если возможность
выплаты в иностранной валюте предусмотрена законодательством Республики
Беларусь;
– совершении неторговых валютных операций между субъектами валютных
операций – нерезидентами и физическими лицами – резидентами, между
субъектами валютных операций – резидентами и физическими лицами –
нерезидентами;
– в иных случаях на основании разрешения Нацбанка и случаях,
установленных актами валютного законодательства. [8].
Подводя итог всему вышеизложенному, можно отметить, что порядок и
эффективность проведения всех валютных операций напрямую связан с
развитием национальной экономики. К примеру, возьмем валютный курс. Он
представляет собой достаточно эффективный инструмент воздействия на
инфляционные процессы в экономике, что в первую очередь объясняется
устойчивой связью между его динамикой и формированием инфляционных
ожиданий населения и предприятий. В связи с этим основная задача
валютной политики – обеспечение стабильности обменного курса.
1.2 Классификация валютных операций
Классификация банковских валютных операций может осуществляться как по
критериям, общим для всех банковских операций (пассивные, активные
операции), так и по особым классификационным признакам, свойственным
только валютным операциям. Основополагающий вариант классификации
валютных операций вытекает из Закона РБ № 226-3 от 22 июля 2003 г. «О
валютном регулировании и валютном контроле». Согласно данного Закона
валютные операции, проводимые между резидентами и нерезидентами,
подразделяются на текущие валютные операции и валютные операции,
связанные с движением капитала.
Текущими валютными операциями являются валютные операции, проводимые
между резидентами и нерезидентами и предусматривающие:
– осуществление расчетов по сделкам, предусматривающим экспорт и (или)
импорт товаров (работ, услуг), охраняемой информации, исключительных
прав на результаты интеллектуальной деятельности, если срок между датой
поступления денежных средств (платежа) и датой отгрузки
(поступления)товара (выполнения работ, оказания услуг), передачи
охраняемой информации, исключительных прав на результаты
интеллектуальной деятельности не превышает 180 дней, включая
осуществление таких расчетов с использованием ценных бумаг, выполняющих
функции расчетных документов, если срок платежа по ценной бумаге
обеспечивает поступление (уплату) денежных средств в срок, не
превышающий 180 дней с (до) даты отгрузки (поступления) товара
(выполнения работ, оказания услуг), передачи охраняемой информации,
исключительных прав на результаты интеллектуальной деятельности;
– предоставление и получение кредитов и (или) займов на срок, не
превышающий 180 дней;
– перевод и получение процентов, дивидендов и иных доходов по вкладам
(депозитам), инвестициям, заемным и кредитным операциям;
– операции неторгового характера. [2].
Основные принципы проведения текущих валютных операций:
– текущие валютные операции проводятся только через счета уполномоченных
банков Республики Беларусь и уполномоченных предприятий;
– субъекты хозяйствования Республики Беларусь, в том числе и
предприниматели без права образования юридического лица обязаны хранить
иностранную валюту в уполномоченных банках Республики Беларусь или на
своих текущих, специальных, контокоррентных, депозитных, других счетах в
уполномоченных банках Республики Беларусь;
– расчеты в иностранной валюте осуществляются субъектами хозяйствования
– резидентами в пределах кредитового остатка на текущем валютном счете
или же в пределах средств находящихся в их распоряжении, например, в
пределах лимита открытой кредитной линии;
– в случае, если условия внешнеэкономических контрактов между резидентом
и нерезидентом не противоречат правилам проведения валютных операций,
иностранная валюта переводится в пользу нерезидента в соответствии с
условиями раздела контракта «Платеж» при наличии таких коммерческих
документов, как коносаменты, инвойсы, счета-фактуры;
– уплата денежных средств в национальной валюте, оказание услуг и
реализация товарно-материальных ценностей в Республике Беларусь с
последующим получением СКВ или ОКВ за границей Республики Беларусь не
допускается;
– уполномоченные банки и уполномоченные предприятия выполняют функцию
агента государства по валютному контролю и вправе отказать субъекту
валютной операции в ее проведении, если она противоречит, нормам
валютного регулирования;
– все расчеты между резидентами и нерезидентами осуществляются в
свободно конвертируемой валюте и других иностранных валютах, если это
предусмотрено межправительственными соглашениями и соглашениями между
Центральными банками государств;
– в отношениях между резидентами валюта Республики Беларусь принимается
без ограничений в оплату любых требований и обязательств в ней
выраженных, а также может приниматься в оплату требований и
обязательств, выраженных в иностранной валюте.
Валютными операциями, связанными с движением капитала, являются
следующие валютные операции, проводимые между резидентами и
нерезидентами:
– приобретение акций при их распределении среди учредителей, а также
доли в уставном фонде или пая в имуществе нерезидентов;
– приобретение ценных бумаг, выпущенных резидентами или нерезидентами,
за исключением приобретения акций при их распределении среди
учредителей;
– переводы для осуществления расчетов по обязательствам,
предусматривающим передачу имущества, относимого законодательством
Республики Беларусь к недвижимому имуществу, либо прав на него;
– расчеты по сделкам, предусматривающим экспорт и (или) импорт товаров
(работ, услуг), охраняемой информации, исключительных прав на результаты
интеллектуальной деятельности, если срок между датой поступления
денежных средств (платежа) и датой отгрузки (поступления) товара
(выполнения работ, оказания услуг), передачи охраняемой информации,
исключительных прав на результаты интеллектуальной деятельности
превышает 180 дней, включая осуществление таких расчетов с
использованием ценных бумаг, выполняющих функции расчетных документов,
если срок платежа по ценной бумаге обеспечивает поступление (уплату)
денежных средств в срок, превышающий 180 дней с (до) даты отгрузки
(поступления) товара (выполнения работ, оказания услуг), передачи
охраняемой информации, исключительных прав на результаты
интеллектуальной деятельности;
– предоставление и получение кредитов и (или) займов на срок,
превышающий 180 дней;
– иные валютные операции, не относимые к текущим валютным операциям.
[2].
Основополагающий принцип организации валютных операций, связанных с
движением капитала, можно определить следующим образом: запрещено все,
что не разрешено.
Неторговые операции являются разновидностью валютных операций банка. К
ним относятся операции по обслуживанию клиентов, не связанные с
проведением расчетов по экспортно-импортным операциям и движением
капитала. При наличии лицензии на проведение валютных операций банки
могут проводить следующие виды неторговых операций:
– покупку и продажу иностранной валюты;
– прием иностранной валюты на инкассо;
– прием чеков иностранных банков на инкассо;
– инкассацию выручки в наличной иностранной валюте;
– покупку и продажу дорожных чеков;
– продажу коммерческих чеков;
– операции по выпуску и продаже пластиковых карточек в иностранной
валюте;
– другие операции с наличной иностранной валютой.
Валютно-обменные операции с участием физических лиц являются основными
из всех операций неторгового характера. Они совершаются коммерческими
банками в кассовых узлах банка (валютной кассе), так и в обменных
пунктах.
Согласно статье 14 Банковского Кодекса Республики Беларусь
валютно-обменные операции представляют один из видов банковских
операций, которые вправе осуществлять банки и небанковские
кредитно-финансовые организации. По своей правовой природе
валютно-обменные операции в большей мере относятся к валютному
законодательству нежели к банковскому, представляя собой банковскую
операцию, связанную с переходом права собственности и иных прав на
валютные ценности. Предметом валютно-обменных операций наряду с
официальной денежной единицей Республики Беларусь выступает иностранная
валюта, которая охватывается понятием «валютные ценности». [1].
Согласно статье 284 Кодекса к валютно-обменным операциям относятся:
– операции по обмену иностранной валюты на официальную денежную единицу
Республики Беларусь и (или) обмену официальной денежной единицы
Республики Беларусь на иностранную валюту по установленным обменным
курсам (купля-продажа иностранной валюты);
– операции по обмену одного вида иностранной валюты на другой вид
иностранной валюты по установленным обменным курсам (конверсия
иностранной валюты):
– иные операции, определенные Национальным банком.
Согласно статье 14 Кодекса право осуществления валютно-обменных операций
принадлежит исключительно банкам и небанковским кредитно-финансовым
организациям (далее – уполномоченные банки). К используемому в контексте
статьи термину «уполномоченный банк» относятся также центральный аппарат
Национального банка, Главные управления и отделения Национального банка.
Покупка и продажа иностранной валюты осуществляется по устанавливаемым
банками курсам, которые постоянно контролируются ими и приводятся в
соответствие с развитием рынка. Курс покупки иностранной валюты и
платежных документов в иностранной валюте с выплатой в белорусских
рублях, курс продажи иностранной валюты и платежных документов в
иностранной валюте с оплатой в белорусский рублях, курс конверсии
иностранной валюты устанавливаются и оформляются приказом
(распоряжением) по банку до начала рабочего дня обменного пункта или
кассы. В течение рабочего дня банки могут, изменять установленные
обменные курсы. Установление или изменение обменных курсов фиксируется в
специальном журнале установления обменных курсов. Этот журнал должен
быть прошнурован, пронумерован, скреплен печатью и заверен
уполномоченным лицом коммерческого банка. Кассир записывает информацию о
полученных обменных курсах в журнале установления обменных курсов.
Цены на наличную валюту могут указываться как за единицу валюты (доллар
США, евро), так и за каждые 10 единиц иностранной валюты (японские
иены), за каждые 100 единиц иностранной валюты (румынский лей, иранский
реал, монгольский тугрик, ливанский фунт), а также за 10000 единиц
иностранной валюты (турецкие лиры).
В мировой практике существуют два вида котировок: прямая и косвенная.
В большинстве стран курсы иностранной валюты выражаются в национальной
валюте, т. е. указывается сколько будет стоить единица иностранной
валюты в национальной. Эту форму указания цен называют прямой
котировкой.
Пример прямой котировки (данные условные):
– в Республике Беларусь 1 американский доллар стоит 2145 рублей;
– в Литве 1 американский доллар стоит 4 лита.
Противоположным является понятие косвенной котировки. При этом
указывается не цена за единицу иностранной валюты, а иностранный
эквивалент за единицу национальной валюты. Подобная система применяется
в небольшом количестве стран, в частности, в Англии.
Пример косвенной котировки: в Лондоне 1,6 американских доллара будут
котироваться к одному фунту стерлингов.
При покупке клиентами иностранной наличной валюты через банки за основу
принимается более низкая цена покупки (курс покупателя), при продаже –
более высокая цена (курс продавца). Для покрытия расходов по
обслуживанию операций и получения прибыли между этими курсами существует
разница, называемая маржой. Как правило, разница между ценами покупки и
продажи наличной валюты выше, чем разница между курсами покупки и
продажи безналичной валюты. Поскольку затраты, связанные с операциями с
наличной иностранной валютой, также значительно выше (транспортировка
денег, приобретение приспособлений для проверки банкнот на подлинность –
каталоги отличительных признаков, детектор наличия магнитных добавок в
красителях, ультрафиолетовая лампа, лупа и др.).[10].
При покупке и продаже платежных документов в иностранной валюте (это
выраженные в иностранной валюте дорожные, банковские чеки или иные чеки,
эмитированные банками и иными кредитными организациями, а также чеки
Tax-free) банки могут взимать комиссионное вознаграждение в белорусских
рублях. В последнее время комиссионные за покупку и продажу иностранной
валюты банками Республики Беларусь не предусматриваются.
Операции покупки и продажи иностранной валюты банками производятся
только с теми валютами, на которые установлены обменные курсы.
В настоящее время более широкое значение приобрели текущие валютные
операции. При этом отсрочка платежа предоставляется на минимальный срок.
Ограниченный круг валютных операций, связанных с движением капитала,
обосновывается большими рисками при их осуществлении, а также более
сложным оформлением (получение разрешения Национального банка на данные
операции). [11, с.19].
Таким образом, спектр услуг, предоставляемых банками по операциям с
иностранной валютой, широк и каждым годом расширяется. Банки оперативно
реагируют на изменение спроса на отдельные виды услуг, что особенно
важно в конкурентной борьбе коммерческих банков за привлечение
клиентуры. Без таких операций, как покупка-продажа наличной иностранной
валюты с участием физических лиц, осуществления переводов за границу,
покупки-продажи дорожных чеков, выдачи наличной иностранной валюты на
командировочные расходы корпоративным клиентам, практически невозможна
повседневная работа любого банка с клиентами.
1.2 Особенности организации валютного регулирования и валютного
контроля в Республике Беларусь
Совершенствование действующей валютной системы в Республике Беларусь,
включая определение принципов валютного регулирования, направленных на
обеспечение оптимальных условий функционирования народного хозяйства в
интересах государства и интеграцию в мировую экономику, остается
актуальной задачей для нашей экономики.
Проводимая в Республике Беларусь валютная политика осуществляется в
соответствии с Основными направлениями денежно-кредитной политики и, в
своей основе, регулируется с применением экономических методов
управления. Устойчивость белорусского рубля в настоящее время
достигается путем поддержания плавной, предсказуемой динамики обменного
курса белорусского рубля при поддержании таких инструментов
денежно-кредитной политики, как эмиссия Национального банка, рублевая
денежная масса, процентные ставки, резервные требования, в необходимых
для этой цели пропорциях и уровнях.
Под валютным регулированием понимается совокупность форм организации
денежных потоков при проведении внешнеторговых операций в целях
предотвращения оттока капитала и укрепления отечественного платежного
баланса, обеспечения должной динамики валютного курса и равновесия на
валютном рынке. [12, с.51].
Основная цель валютного регулирования – устойчивая равновесная ситуация
на валютном и связанных с ним рынках. Предприятия получат достаточные
стимулы к росту конкурентоспособности, восстановлению и расширению
емкости внутреннего рынка и эффективному использованию имеющихся у
предприятия, государства и населения валютных ресурсов и уменьшению
оттока капитала за рубеж.
От методов валютного, внешнеэкономического регулирования зависит
финансовое состояние предприятий-экспортеров, а также предприятий
импортоориентированных отраслей. Вследствие высокой зависимости
национального производства от импорта сырья, низкого уровня внедрения
наукоемких и энергосберегающих технологий происходит снижение
конкурентоспособности отечественной продукции и увеличение износа
основных фондов.
В Республике Беларусь валютное регулирование осуществляется на основании
Закона РБ от 22.07.2003 г. «О валютном регулировании и валютном
контроле». Принятие Закона является, безусловно, позитивным явлением,
так как означает некоторую стабилизацию системы валютного регулирования
и контроля в стране.
Закон содержит основные понятия, имеющие отношение к валютному
регулированию и валютному контролю, классификацию валютных операций,
порядок проведения валютных операций в зависимости от субъектного
состава валютных сделок, основные принципы расчетов, ввоза и вывоза
иностранной валюты, органов валютного регулирования и валютного
контроля, а также их полномочия, компетенцию и основные обязанности. И,
наконец, Закон установил функции агентов валютного контроля, права и
обязанности резидентов и нерезидентов.
Президент Республики Беларусь определяет систему органов валютного
регулирования в Республике Беларусь и принимает иные меры по
осуществлению валютного регулирования в соответствии с Конституцией
Республики Беларусь.
Если иное не определено Президентом Республики Беларусь, органами
валютного регулирования в Республике Беларусь являются Совет Министров
Республики Беларусь и Национальный банк.[2].
В настоящее время создана система валютного регулирования и валютного
контроля, позволяющая на данном этапе с использованием административных
и экономических методов обеспечить «прозрачность» на внутреннем валютном
рынке.
Система административного валютного регулирования и контроля основана на
определении системы расчетов по внешнеэкономическим операциям, жестком
регулировании поступления и использования валютных средств юридическими
лицами и индивидуальными предпринимателями, а также на действии целого
ряда экономических санкций и ограничений.
Административные меры валютного регулирования на определенном
краткосрочном отрезке времени оказывают положительное влияние на
развитие экономики внутри страны, мобилизуя национальные сбережения для
инвестирования в экономику.
В долгосрочном плане регулирование через валютные ограничения не может
обеспечить стабильности на валютном, внешнеторговом и финансовых рынках.
По мере выравнивания внешнеторговых диспропорций, динамики ВВП и
обменного курса белорусского рубля целесообразен переход к либеральному
направлению валютного регулирования.
Основы валютного регулирования должны быть направлены на обеспечение
сбалансированности платежного баланса и стабильности белорусского рубля,
экономической безопасности, поддержание устойчивого экономического роста
и развитие международного сотрудничества Республики Беларусь.[13,
с.462].
Вопрос существования валютного контроля зависит от многих факторов,
прежде всего, от темпов вхождения государства в рынок. Актуальным в
настоящее время представляется вопрос о либерализации валютного
контроля, и факт постановки данного вопроса является признаком того, что
финансово-экономическое сообщество, по всей видимости, уже достигло того
уровня рыночной зрелости, когда необходимо рассмотреть возможность
смягчения устоявшихся норм государственного контроля в отношении
валютных операций. Экономика Беларуси имеет достаточную степень
открытости, и существующие на сегодняшний день, хотя и немногочисленные,
но существенные, по мнению стран-участников ВТО, валютные ограничения и
скрупулезный контроль часто вносят диссонанс в желаемую гармонию
внешнеторговой и валютной политики государства. Первые шаги в
направлении снятия таких ограничений в области валютного регулирования
уже предприняты. Теперь очередь за валютным контролем.
Государственный валютный контроль – это система мер, принимаемая
правительством с целью упорядочения обращения иностранных валют внутри
страны, для стабилизации макроэкономической ситуации посредством
установления контроля со стороны государства над операциями с валютами и
экспортно-импортными сделками резидентов.
Основными направлениями валютного контроля являются:
1. определение соответствия проводимых валютных операций валютному
законодательству;
2. обеспечение контроля за перемещением иностранной валюты и иных
валютных ценностей через таможенную границу Республики Беларусь;
3. предотвращение легализации доходов, полученных незаконным
путем;
4. проверка полноты и достоверности учета и отчетности по валютным
операциям;
5. анализ данных учета, отчетности и информации по валютным
операциям. [13, с.469].
Органами валютного контроля в Республике Беларусь являются: Совет
Министров Республики Беларусь, Национальный банк, Комитет
государственного контроля Республики Беларусь, Государственный
таможенный комитет, если иное не определено Президентом Республики
Беларусь.
Совет Министров Республики Беларусь как орган валютного контроля
определяет компетенцию республиканских органов государственного
управления и иных государственных организаций, подчиненных Правительству
Республики Беларусь, областных исполнительных комитетов по вопросам
осуществления ими функций агентов валютного контроля, выполняет другие
функции, предусмотренные законодательством.
Национальный банк как орган валютного контроля осуществляет валютный
контроль за совершением банками и небанковскими кредитно-финансовыми
организациями валютных операций, выполняет другие функции,
предусмотренные законодательством.
Комитет государственного контроля – формирует на основании информации,
получаемой от иных органов валютного контроля, а также агентов валютного
контроля, базу данных по вопросам валютного контроля, в пределах своей
компетенции осуществляет контроль за выполнением органами валютного
контроля и агентами валютного контроля своих функций, осуществляет
другие функции, предусмотренные законодательством.
Государственный таможенный комитет как орган валютного контроля
осуществляет организацию валютного контроля за перемещением резидентами
и нерезидентами через таможенную границу Республики Беларусь валютных
ценностей, а также другие функции, предусмотренные законодательством.
[2].
Государство выдает ограниченное количество экспортно-импортных лицензий,
разрешающих ввоз и вывоз товаров, оплата за которые будет производиться
в иностранной валюте. Если объем иностранной валюты в стране
приближается к критической точке минимума и цена на нее вырастает при
падении курса национальной валюты, то правительство вправе ограничить
распределение импортных лицензий и тем самым уменьшить отток иностранной
валюты из страны. И наоборот, если иностранная валюта начинает замещать
национальную на внутреннем рынке в качестве средства обращения,
государство ограничивает распределение экспортных лицензий и, как
правило, обязывает резидентов сдавать иностранную валюту государству по
искусственно заниженному курсу, что объясняется политикой поддержания
престижа национальной валюты.
Необходимо заметить, что конкретные механизмы действия системы
государственного контроля являются индивидуальными для каждой страны в
отдельности.
Валютный контроль применяется практически во всех странах, но с разным
уровнем жесткости. Одни государства постоянно усиливают валютный
контроль. Однако многие развитые страны пришли к либерализации валютного
регулирования и свободного курсообразования, перейдя к полной
конвертируемости валют и снятию ограничений на движение капитала. Но по
мере наступления трудных периодов некоторые страны вновь и вновь
возвращались к ужесточению валютного регулирования и валютного контроля.
Валютный контроль в Республике Беларусь призван способствовать
поддержанию сбалансированного движения финансовых потоков, и как
следствие — достижению стабильного функционирования банковской системы,
через которую реально осуществляется движение финансовых ресурсов.
Механизм валютного контроля в Республике Беларусь в первую очередь
охватывает движение иностранной валюты и белорусских рублей по
экспортно-импортным операциям белорусских предприятий, осуществляющих
внешнеэкономическую деятельность. Основная часть такого контроля
заключается в том, чтобы обеспечить наполняемость внутреннего валютного
рынка денежными ресурсами и предотвратить незаконный перевод валюты за
пределы республики, а также создать эффективную, реально действующую
систему контроля за своевременным и полным возвратом валютной выручки от
экспорта и за обоснованностью платежей в иностранной валюте за
импортируемые товары.
Валютный контроль в том виде, в каком он существует в настоящее время в
Беларуси, в будущем может утратить значение эффективного рычага, с
помощью которого достигаются реальные результаты. Настало время
трансформировать валютный контроль, при котором решались бы основные
задачи, поставленные Главой государства и Правительством в области
валютных операций. Время серых схем, позволяющих осуществлять изящный
обход законодательства при совершении валютных операций, постепенно
проходит, и в этом огромная роль принадлежит процессу приведения
принципов валютного регулирования к более цивилизованному виду, а
валютного законодательства в области валютного регулирования — к более
прозрачному и понятному, учитывая, что в течение последних пяти лет
наблюдалась тенденция к постепенной отмене тех или иных запретов и
ограничений в проведении валютных операций. [14, с.13].
Уровень валютного контроля должен соответствовать уровню развития
экономики. В соответствии со статистическими данными белорусская
экономика переживает стадию неуклонного роста. Итоги денежно-кредитной
политики также дают основания для оптимизма. Достаточно вспомнить,
какими темпами идет снижение учетной ставки. Нет сомнений, что все это
происходит благодаря в том числе валютному контролю. Но тогда возникает
вопрос: нужно ли сохранять такой уровень контроля или все же настало
время постепенно переходить к современным рыночным стандартам управления
валютной политикой и введению системы валютного контроля, наиболее
соответствующей общемировым стандартам.
Осуществив комплекс мероприятий по изменению валютного контроля,
возможно достичь эффекта, при котором категория «валютный контроль»
будет восприниматься с большей степенью понимания со стороны банков и их
клиентов. При этом как инструмент денежно-кредитной политики он должен
оставаться и действовать в рамках национального законодательства, нормы
которого, в свою очередь, должны соответствовать международному
финансовому праву и мировой практике осуществления валютных операций.
В 2007 году продолжится совершенствование системы валютного
регулирования и валютного контроля в соответствии с экономическими
условиями, международной практикой и стандартами. Будут осуществлены
меры, направленные на повышение эффективности регулирования и контроля
за наиболее значимыми валютными операциями, упростятся административные
процедуры в области их регистрации и лицензирования.[15, с.35].
Таким образом, Республика Беларусь проходит свой этап развития в области
валютного контроля и регулирования валютных операций, при этом
учитывается зарубежный опыт и рекомендации МВФ, в том числе и по
снижения контроля за их проведением. Однако в процессе снижения
прессинга валютного контроля на данном этапе необходимо сохранять те
механизмы, которые не позволяют сокращаться валютным поступлениям и
препятствуют необоснованному оттоку валютных средств из Республики
Беларусь.
Подводя итоги, автор подчеркивает следующее. В нашей стране сформирован
устойчивый, динамично развивающийся валютный рынок. Подготовлены и
успешно работают на всех уровнях, от высшего до низшего звена
управления, высокопрофессиональные национальные кадры. Мы воспринимаем и
стараемся с максимальной эффективностью применять опыт и технологии
ведущих центральных и коммерческих банков других стран, учитывать
рекомендации международных финансовых организаций. Однако при этом
всегда стремимся рационально сочетать зарубежные достижения с
собственными наработками, исходить из интересов национальной экономики и
задач социального развития самых широких слоев населения. Накопленный
опыт позволяет нам с уверенностью смотреть в будущее, успешно решать
практически все, как текущие, так и перспективные, проблемы
функционирования национальной банковской системы.
109
2 ОЦЕНКА ЭФФЕКТИВНОСТИ ОСУЩЕСТВЛЕНИЯ ВАЛЮТНЫХ ОПЕРАЦИЙ НА ПРИМЕРЕ
ОТДЕЛЕНИЯ ОАО «БЕЛАГРОПРОМБАНК» В Г.БРАСЛАВЕ
2.1 Анализ валютных операций отделения ОАО «Белагропромбанк» в
г.Браславе с участием физических лиц
Анализ валютно-обменных операций с участием физических лиц ГОПЕРУ ОАО
«Белагропромбанк» проведен за 1 квартал 2005г. и 1 квартал 2006 г.
Объемы покупки и продажи иностранной валюты в разрезе валют за 1 квартал
2005г. и 1 квартал 2006г. представлены в таблице 2.1.
Таблица 2.1 – Объемы купленной и проданной иностранной валюты
Наименование валютыПокупкаПродажа1 кв.
2005 год1 кв.
2006 годТемп роста, %Темп прир, %Отклонение1 кв.
2005 год1 кв.
2006 годТемп роста, %Темп прир, %Отклонениетыс.
USD11001600145,545,5500120043035,8-64,2-77012501780142,442,4530130028021
,5-78,5-102013201800136,436,4480205065031,7-68,3-1400Итого36705180141,14
1,115104550136029,9-70,1-3190тыс.
EUR9001850205,6105,69508001100137,537,530013001600123,123,13001200180015
0,050,06001700120070,6-29,4-50014007400528,6428,66000Итого39004650119,21
9,2750340010300302,9202,96900тыс.
RUR35045201291,41191,441706505050776,9676,9440042045001071,4971,44080430
90002093,01993,0857043044001023,3923,33970700145002071,41971,413800Итого
1200134201118,31018,3122201780285501603,91503,926770Примечание.
Источник: Собственная разработка
Данные таблицы 2.1 показывают, что объемы покупки иностранной валюты в 1
квартале 2006г. превышают объемы покупки за аналогичный период прошлого
года.
При сравнении в эквиваленте в долларах США можно заметить, что
покупается долларов и Евро больше, чем российских рублей.
Объемы продажи в 1 квартале 2006г. по долларам снижаются при сравнении с
аналогичным периодом прошлого года, а по российским рублям и Евро
возрастают. Причем, при сравнении в долларовом эквиваленте в 1 квартале
2006г. российских рублей продано приблизительно столько же, сколько в
среднем в месяц продается долларов и Евро.
Общая сумма покупки долларов США в 1 квартале 2006 года значительно
увеличилась по сравнению с покупкой в аналогичном периоде прошлого года.
За 1 квартал 2005 года общая сумма покупки долларов США составила 3670
тыс. долларов США, общая сумма продажи снижается: за 1 квартал 2006 года
– 1360 тыс. долларов США при уровне 4550 тыс. долларов США за
аналогичный период прошлого года. Объемы покупки долларов США
увеличились на 36%, объемы продажи снизились на 70 %.
В 1 квартале 2006 года наблюдается увеличение оборотов покупки и продажи
Евро при сравнении с аналогичным периодом прошлого года. Так общая сумма
покупки Евро в 1 квартале 2006 года составила 4650 тыс. Евро при уровне
3900 тыс. Евро за 1 квартал 2005г. (прирост составил 19%), общая сумма
продажи соответственно составила 10300 тыс. Евро и 3400 тыс. Евро
(прирост 203%).
Обороты по покупке и продаже российских рублей в 1 квартале 2006 года
выросли при сравнении с аналогичным периодом прошлого года. Так общая
сумма покупки в 1 квартале 2006 года составила 13420 тыс. российских
рублей при уровне 1200 тыс.российских рублей (прирост 1018%), продажа
соответственно возросла с 1780 тыс.российских рублей в 1 квартале 2005
года до 285501 тыс. российских рублей в 1 квартала 2006 года (прирост
1504%).
Для более детального анализа купленной – проданной валюты автор
предлагает обратить внимание на диаграммы покупки и продажи валюты за
анализируемые периоды, построенные на основании данных таблицы 2.1.
На рисунке 2.1 отображены объемы покупки и продажи долларов США за 1
квартал 2005г.
Рисунок 2.1 показывает, что за 1 квартал 2005г. объемы продажи долларов
США больше покупки. Так в абсолютном выражении продано на 880 тыс. долл.
США больше, чем куплено, превышение составляет 24%. К концу квартала
повышение продажи долларов связано с тем, что работающее население
получает дополнительные доходы: от 13-й зарплаты, премии по итогам
квартала.
В то же время за 1 квартал 2006г. ситуация на наличном валютном рынке
долларов США обратно противоположная (Рис. 2.2).
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Рисунок 2.1 – Покупка-продажа USD за 1 кв. 2005г.
Продано в абсолютном выражении на 3280 тыс. долл. США меньше, чем
куплено, или продажа на 74% меньше покупки. Такая ситуация сложилась к
началу 2006г. в связи с увеличение доверия населения белорусским рублям.
picscalex850100090000035b1d000009001610000000001610000026060f002220574d4
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Рисунок 2.2 – Покупка – продажа USD за 1 кв. 2006г.
Как показывает рисунок 2.3, спрос на евро в течение 1 квартала 2005 года
возрастал. Обороты за 1 квартал по покупке Евро превышают обороты по
продаже в абсолютном выражении на 500 тыс. Евро или продажа на 13%
меньше покупки.
Ситуация на наличном рынке Евро в 1 квартале 2006г. складывается иначе.
Как показывает рисунок 2.4, только в январе замечено превышение покупки
Евро над продажей.
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701ffff030000000000
Рисунок 2.3 – Покупка-продажа EUR за 1 кв. 2005г.
Далее наблюдается превышение продажи над покупкой. Так, в абсолютном
выражении за 1 квартал 2006 г. продано на 5650 тыс. Евро больше, чем
куплено, или продано на 121% больше. Такая разница сложилась за счет
последнего месяца квартала, поскольку в марте было продано в сумме 7400
тыс. Евро.
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Рисунок 2.4 – Покупка-продажа EUR за 1 кв. 2006г.
Ситуация с российскими рублями в 1 кв. 2005 году складывалась также
нестабильно. На рисунке 2.5 просматривается динамика покупки-продажи
российских рублей. В течение 1 квартала продажа российских рублей, также
как и долларов США, превышала покупку. Данное превышение составляет 580
тыс.росс.руб. или 48%.
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fff030000000000
Рисунок 2.5 – Покупка-продажа RUR за 1 кв. 2005г.
На рисунке 2.6 отражены объемы покупки и продажи российских рублей. Из
рисунка видно, что в 1 квартале 2006 года продажа значительно превышает
покупку. Так, превышение составляет 15130 тыс. российских рублей в
абсолютном выражении или на 112% продажа больше покупки.
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Рисунок 2.6 – Покупка-продажа RUR за 1 кв. 2006г.
Сравнительный анализ покупки иностранной валюты в разрезе валют проведен
за 1 квартал 2005г. и 1 квартал 2006г.
На рисунке 2.7 отражена покупка долларов США за 1 квартал 2005г. и 1
квартал 2006г.
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30000000000
Рисунок 2.7 – Обороты по покупке долларов за 1 кв. 2005г. и 1 кв. 2006г.
Из рисунка 2.7 видно, что покупка долларов США в 1 кв. 2006г. превышает
покупку 1 кв. 2005г. Превышение в абсолютном выражении составило 1510
тыс. долларов США.
Рисунок 2.8 показывает, что покупка Евро в начале 2006. (январь и
февраль) превышала аналогичный период прошлого года, а в марте 2006г.
ситуация изменилась и покупка Евро снизилась по сравнению с аналогичным
периодом прошлого года.
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Рисунок 2.8 – Обороты по покупке евро за 1 кв. 2005г. и 1 кв. 2006г.
В целом за 1 квартал 2006г. куплено на 750 тыс. Евро больше чем за 1
квартала 2005г.
На рисунке 2.9 отражена покупка российских рублей за 1 кв. 2005г. и 1
кв. 2006г.
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0000000
Рисунок 2.9 – Обороты по покупке российских рублей за 1 кв. 2005г. и 1
кв. 2006г.
Рисунок 2.9 показывает, что в 2006г. куплено российских рублей
значительно больше, чем в аналогичном периоде прошлого года. Так, в
абсолютном выражении в 2006 г. куплено на 12220 тыс. российских рублей
больше, чем в аналогичном периоде прошлого года (или в 11 раз).
В целом можно сделать вывод, что покупка иностранной валюты в 1 квартале
2006г. значительно превышает покупку в аналогичном периоде прошлого
года.
Таким образом, население продает валюту банку в больших объемах, что
обусловлено сложившейся стабильной экономической ситуацией на валютном
рынке Республики Беларусь и повышением доверия населения к национальной
валюте.
Анализ продажи иностранной валюты в разрезе валют проведен также за 1
кв. 2006г. и аналогичный период прошлого года.
На рисунке 2.10 отражена продажа долларов США за 1 кв. 2005г. и 1 кв.
2006г.
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000
Рисунок 2.10 – Обороты по продаже долларов США.
Рисунок 2.10 показывает, что продажа долларов США в 1 кв. 2006г.
значительно ниже продажи за аналогичный период прошлого года. Так,
продано в 1 кв. 2006г. на 3190 тыс. долларов США меньше чем за
аналогичный период прошлого года.
На рисунке 2.11 отражены объемы проданных Евро за 1 кв. 2005г. и 1 кв.
2006г.
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Рисунок 2.11 – Обороты по продаже Евро
Рисунок 2.11 показывает, что продажа Евро в 1 кв. 2006г. значительно
превышает продажу аналогичного периода прошлого года. Так в начале
квартала 2005г. и 2006г. ситуация на валютном рынке Евро оставалась
стабильной. Однако в марте 2006г. продажа Евро значительно превышала
аналогичный период прошлого года, что отразилось в целом на разнице в
объеме проданной валюты. Так в 1 кв. 2006г. продано на 6900 тыс. Евро
больше аналогичного периода прошлого года и в относительном выражении
превышение составило 3 раза.
Рисунок 2.12. показывает, что продажа российский рублей в 1 кв. 2006г.
значительно превышает продажу за аналогичный период прошлого года. Такая
ситуация складывалась на протяжении всего анализируемого периода.
Превышение объемов проданной валюты в 1 кв. 2006г. составило в
абсолютном выражении 26670 тыс. российских рублей (или 16 раз).
В целом можно сделать вывод, что обороты по покупке и продаже
иностранной валюты с участием физических лиц возросли в 1 квартале 2006
г. при сравнении с аналогичным периодом прошлого года.
Причиной увеличения оборотов по валютно-обменным операциям послужило
открытие в августе 2005 года третьей валютной кассы ГОПЕРУ ОАО
«Белагропромбанк» и улучшение экономической ситуации в стране.
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40000002d010100050000000102ffffff0005000000090200000000040000002c0100000
700000016040801a702d5005902040000002d010200040000002d010300040000002d010
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6040801a702d500590208000000fa0200000100000000000000040000002d01080004000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2020000000007000000fc020000000000000000040000002d01000004000000f00101000
40000002d01020004000000f0010800040000002d010600040000002701ffff030000001
e00050000000102ffffff0005000000090200000000040000002c0100000700000016041
a02b20200000000040000002701ffff030000001e00050000000102ffffff00050000000
90200000000040000002701ffff030000001e00050000000102ffffff000500000009020
000000005000000090200000000050000000102ffffff00040000002d010000040000002
d010600040000002701ffff030000000000
Рисунок 2.12 – Обороты по продаже российских рублей
Прибыль от проведения валютно-обменных операций за 1 квартал 2005г.
отражена на рисунке 2.13.
picscalex850100090000033f1700000a00a40e00000000a40e000026060f003e1d574d4
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90000000c000000ffffff00140000000c0000000d000000120000000c000000020000002
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c0000000100000027000000180000000200000000000000ffffff0000000000250000000
c00000002000000250000000c00000007000080250000000c00000000000080220000000
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c00000002000000250000000c00000001000000190000000c000000ffffff00180000000
c00000000000000250000000c00000007000080250000000c00000000000080220000000
c000000ffffffff0a0000001000000000000000000000002100000008000000250000000
c00000002000000250000000c00000001000000190000000c000000ffffff00180000000
c00000000000000250000000c00000007000080250000000c00000000000080220000000
c000000ffffffff2100000008000000250000000c00000002000000250000000c0000000
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Рисунок 2.13 – Прибыль по валютно-обменным операциям за 1 кв. 2005 г.
Как показывает рисунок 2.13, прибыль от проведения валютно-обменных
операций по отделению ОАО «Белагропромбанк» в г.Браславе за 1 квартал
2005г. имеет тенденцию к росту. Так за январь получено 950 тыс.рублей,
февраль – 1000 тыс.рублей, март – 2000 тыс.рублей. Рост прибыли по
сравнению с началом квартала составил 221%.
На рисунке 2.14 отражена прибыль за 1 квартал 2006г.
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Рисунок 2.14. Прибыль по валютно-обменным операциям за 1 квартал 2006 г.
Как показывает рисунок 2.14, прибыль от проведения валютно-обменных
операций в 1 квартале 2006 года снижается в феврале и растет в марте.
Так за январь получено 3100 тыс.рублей, февраль – 2400 тыс.рублей, март
– 5500 тыс.рублей. Рост прибыли по сравнению с началом квартала составил
177%.
Для сравнения прибыли в динамике по годам приведен рисунок 2.15, на
котором отражена прибыль, полученная от проведения валютно-обменных
операций в 1 квартале 2004г., 2005г. и 2006г.
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07000000160447041502d70376000400000002010100040000002d010700050000000902
0000000216000000320ad9037600070004007600d7031402470434303030303030003800
3800370038003800370037000400000002010100040000002d0107000d000000320a4c04
7600010004007600d7031402470430003800040000002d0101000d000000320a4c04ae00
010004007600d7031402470420002d00040000002701ffff040000002d01080004000000
2d010300070000001b04a303160232037600040000002d010200040000002d0104000300
00001e00070000001604a2031502310376000400000002010100040000002d0107000500
000009020000000216000000320a3303760007000400760031031402a203353030303030
300038003800370038003800370037000400000002010100040000002d0107000d000000
320aa603760001000400760031031402a20330003800040000002d0101000d000000320a
a603ae0001000400760031031402a20320002d00040000002701ffff040000002d010800
040000002d010300070000001b04f102160280027600040000002d010200040000002d01
0400030000001e00070000001604f00215027f0276000400000002010100040000002d01
07000500000009020000000216000000320a810276000700040076007f021402f0023630
30303030300038003800370038003800370037000400000002010100040000002d010700
0d000000320af40276000100040076007f021402f00230003800040000002d0101000d00
0000320af402ae000100040076007f021402f00220002d00040000002701ffff10000000
26060f001600ffffffff0000f0010000b4060000b1060000b806000009000000fa020000
01000000000000002200040000002d010900040000002d0108000800000025030200f101
b506af06b606040000002d01040004000000f0010900040000002d010200080000002606
0f000600ffffffff01001000000026060f001600ffffffff0000f0010000b4060000f301
0000c906000009000000fa02000001000000000000002200040000002d01090004000000
2d0108000800000025030200f101b506f101c706040000002d01040004000000f0010900
040000002d0102000800000026060f000600ffffffff01001000000026060f001600ffff
ffff000089030000b40600008c030000c906000009000000fa0200000100000000000000
2200040000002d010900040000002d01080008000000250302008a03b5068a03c7060400
00002d01040004000000f0010900040000002d0102000800000026060f000600ffffffff
01001000000026060f001600ffffffff000015050000b406000019050000c90600000900
0000fa02000001000000000000002200040000002d010900040000002d01080008000000
250302001605b5061705c706040000002d01040004000000f0010900040000002d010200
0800000026060f000600ffffffff01001000000026060f001600ffffffff0000ae060000
b4060000b2060000c906000009000000fa02000001000000000000002200040000002d01
0900040000002d0108000800000025030200af06b506b006c706040000002d0104000400
0000f0010900040000002d0102000800000026060f000600ffffffff0100040000002d01
0800040000002d010300070000001b044b07fd02d906a902040000002d01020004000000
2d010400030000001e000700000016044907fc02d906a902040000000201010004000000
2d010700050000000902000000020d000000320adb06a90201000400a902d906fb024907
31003800040000002d0101000d000000320adb06e10201000400a902d906fb0249072000
2d00040000002701ffff040000002d010800040000002d010300070000001b044b078f04
d9063b04040000002d010200040000002d010400030000001e0007000000160449078f04
d9063b040400000002010100040000002d010700050000000902000000020d000000320a
db063b04010004003b04d9068e04490732003800040000002d0101000d000000320adb06
7304010004003b04d9068e04490720002d00040000002701ffff040000002d0108000400
00002d010300070000001b044b072206d906ce05040000002d010200040000002d010400
030000001e0007000000160449072206d906ce050400000002010100040000002d010700
050000000902000000020d000000320adb06ce0501000400ce05d9062106490733003800
040000002d0101000d000000320adb06060601000400ce05d9062106490720002d000400
00002701ffff040000002d010800040000002d010300070000001b04df072f056d07b303
040000002d010200040000002d010400030000001e00070000001604dd072f056d07b303
040000000201010010000000fb029cff000000000000bc02000000000440002241726961
6c000000040000002d010900050000000902000000020500000014026c07b30310000000
fb029cff000000000000bc02000000cc04400022417269616c00cc00040000002d010a00
040000002e01010013000000320a6c07b30305000400b3036d072e05dd07ece5f1fff600
4900380038003a003e00040000002e010000040000002d01090004000000f0010a000400
000002010100040000002d010900050000001402df07b30310000000fb029cff00000000
0000bc02000000cc04400022417269616c00cc00040000002d010a00040000002e010100
0d000000320adf07b30301000400b3036d072e05dd07fb005500040000002e0100000400
00002d01090004000000f0010a00040000002d0101000d000000320ae207080401000400
b3036d072e05dd0720002d00040000002701ffff040000002d010800040000002d010300
070000001b0400016b096b003802040000002d010200040000002d010400030000001e00
070000001604fe006b096b0038020400000002010100040000002d010100050000000902
000000020d000000320a6e0038020100040038026b006a09fe0020002d00040000002701
ffff040000002d010800040000002d010300070000001b048201050aed00eb0104000000
2d010200040000002d010400030000001e000700000016048101050aed00eb0104000000
02010100040000002d010100050000000902000000020d000000320af000eb0101000400
eb01ed00040a810120002d00040000002701ffff040000002d010800040000002d010300
070000001b040402230a6f01b001040000002d010200040000002d010400030000001e00
0700000016040302220a6f01b0010400000002010100040000002d010100050000000902
000000020d000000320a7201b00101000400b0016f01210a030220002d00040000002701
ffff040000002d01020009000000fa02000001000000000000022200040000002d010a00
070000001b04ff05ce0a6b044307040000002d010200040000002d01040004000000f001
0a0007000000fc0200009999ff000000040000002d010a0009000000fa02000006000000
000000022200040000002d010b00070000001b04d1049707a1046107040000002d010200
04000000f0010a00040000002d01040004000000f0010b00040000002d01080004000000
2d010300070000001b04ef04f80a7d04a807040000002d010200040000002d0104000300
00001e00070000001604ed04f80a7d04a8070400000002010100040000002d0107000500
00000902000000020500000014027f04a80710000000fb029cff00000000000090010000
00cc04400022417269616c00cc00040000002d010a00040000002e01010022000000320a
7f04a8070f000400a8077d04f70aed04eff0e8e1fbebfc20e22032303034200036003800
3800390048003a0034001c0035001c0038003800370038001b00040000002e0100000400
00002d01070004000000f0010a000400000002010100040000002d010700050000001402
f204a80710000000fb029cff0000000000009001000000cc04400022417269616c00cc00
040000002d010a00040000002e01010011000000320af204a80704000400a8077d04f70a
ed04e3eee4f3240038003a003100040000002e010000040000002d01070004000000f001
0a00040000002d0101000d000000320af2046f0801000400a8077d04f70aed0420002e00
040000002701ffff07000000fc020000993366000000040000002d010a0009000000fa02
000006000000000000022200040000002d010b00070000001b0454059707230561070400
00002d01020004000000f0010a00040000002d01040004000000f0010b00040000002d01
0800040000002d010300070000001b047705f80a0505a807040000002d01020004000000
2d010400030000001e000700000016047505f80a0505a807040000000201010004000000
2d010700050000000902000000020500000014020705a80710000000fb029cff00000000
00009001000000cc04400022417269616c00cc00040000002d010a00040000002e010100
22000000320a0705a8070f000400a8070505f70a7505eff0e8e1fbebfc20e22032303035
2000360038003800390048003a0034001c0035001c0038003800370038001b0004000000
2e010000040000002d01070004000000f0010a000400000002010100040000002d010700
0500000014027a05a80710000000fb029cff0000000000009001000000cc044000224172
69616c00cc00040000002d010a00040000002e01010011000000320a7a05a80704000400
a8070505f70a7505e3eee4f3240038003a003100040000002e010000040000002d010700
04000000f0010a00040000002d0101000d000000320a7a056f0801000400a8070505f70a
750520002e00040000002701ffff07000000fc020000ffffcc000000040000002d010a00
09000000fa02000006000000000000022200040000002d010b00070000001b04d6059707
a5056107040000002d01020004000000f0010a00040000002d01040004000000f0010b00
040000002d010800040000002d010300070000001b04f905f80a8705a807040000002d01
0200040000002d010400030000001e00070000001604f705f80a8705a807040000000201
0100040000002d010700050000000902000000020500000014028905a80710000000fb02
9cff0000000000009001000000cc04400022417269616c00cc00040000002d010a000400
00002e01010022000000320a8905a8070f000400a8078705f70af705eff0e8e1fbebfc20
e220323030362000360038003800390048003a0034001c0035001c003800380037003800
1b00040000002e010000040000002d01070004000000f0010a0004000000020101000400
00002d010700050000001402fc05a80710000000fb029cff0000000000009001000000cc
04400022417269616c00cc00040000002d010a00040000002e01010011000000320afc05
a80704000400a8078705f70af705e3eee4f3240038003a003100040000002e0100000400
00002d01070004000000f0010a00040000002d0101000d000000320afc056f0801000400
a8078705f70af70520002e00040000002701ffff040000002d01080009000000fa020000
06000000000000022200040000002d010a00070000001b044408e60a1e001d0004000000
2d010200040000002d01040004000000f0010a00040000002d010000030000000000
Рисунок 2.15 – Сравнение прибыли по валютно-обменным операциям,
полученной в первом квартале 2004, 2005 и 2006 года
Наилучшую динамику прибыль имеет в 1 квартале 2005 и 2006 года, так как
она имеет тенденцию к увеличению. Общая сумма прибыли в 1 квартале 2006
года по сравнению с 2004 и 2005 годом значительно увеличилась. За 1
квартал 2004 года прибыль по валютно-обменным операциям составила 5950
тыс. рублей, за 1 квартал 2005 года – 4150 тыс.рублей, в 1 квартале 2006
года – 11000 тыс.рублей. Прибыль по валютно-обменным операциям в 1
квартале 2006г. по сравнению с аналогичным периодом 2004 года
увеличилась на 84%, по сравнению с 2005 годом на 165%.
Рост прибыли объясняется увеличением оборотов по покупке-продаже
иностранной валюты и улучшением сложившейся экономической ситуации в
стране, когда население доверяет отечественным банкам заинтересовано в
проведении валютных операций.
2.2 Анализ размещенных и привлеченных ресурсов в иностранной
валюте отделения ОАО «Белагропромбанк» в г.Браславе
Отделение ОАО «Белагропромбанк» в г.Браславе иностранную валюту получает
также от операций проводимых в безналичном порядке: полученную
иностранную валюту от центрального аппарата и других филиалов банков, от
депозитных операций. Полученную валюту от валютно-обменных и депозитных
операций с иностранной валютной отделение ОАО «Белагропромбанк» в
г.Браславе размещает на рынке банковских услуг: предоставляет кредиты в
иностранной валюте юридическим и физическим лицам, перечисляет в
центральный аппарат ОАО «Белагропромбанк» и в другие филиалы, размещает
иностранную валюту на корреспондентском счете и участвует в торгах на
межбанковской валютной бирже.
Анализ привлеченных и размещенных ресурсов в иностранной валюте (в
пересчете на белорусские рубли) отделением ОАО «Белагропромбанк» в
г.Браславе проведен за 1 квартал 2005г. и 1 квартал 2006г. помесячно.
В таблице 2.2 отражены привлеченные и размещенные ресурсы в иностранной
валюте в пересчете на белорусские рубли в 1 квартале 2005г. Данные
приведены по среднедневным остаткам на счетах.
Таблица 2.2 показывает, что отделением ОАО «Белагропромбанк» в
г.Браславе в 1 квартале 2005г. среднедневные остатки по привлеченным
ресурсам в иностранной валюте составляют в январе – 1578,29 млн.рублей,
в феврале – 1654,7 млн.рублей, в марте – 1479,62 млн.рублей.
Таблица 2.2 -Привлеченные и размещенные ресурсы в иностранной валюте в 1
квартале 2005г. Млн.руб.
Наименование показателейЯнварьФевральМартостаток среднедн.проц.
ставкасумма проц.остаток среднедн.проц.
ставкасумма проц.остаток среднедн.проц.
ставкасумма проц.12345678910Привлеченные ресурсы средства
юридических лиц8,26008,99007,6100 в т.ч. средства до
востребования8,260,6908,990,5207,610,330 срочные
депозиты000000000средства физических
лиц1428,775,776,881421,755,476,481398,114,595,35 в т.ч. средства до
востребования35,050,690,0234,530,520,0132,710,330,01 срочные
депозиты1328,65,96,861371,35,606,471372,24,696,46долговые
обязательства0,29001,427,210,011,9411,280,02прочие111,9700201,450053,070
0итого1549,295,336,881633,64,776,491460,724,415,37Ресурсы центрального
аппарата и
филиалов5,56,220,031,2001,212,890,01правительственные000000,02000нецелев
ые5,56,220,031,2001,212,890,01Прочие пассивы23,5хх19,9хх17,7ххИтого
привлечено1578,29хх1654,7хх1479,62ххРазмещенные ресурсы Кредиты
юридическим лицам35,4117,510,5233,417,550,4931,3614,870,39в текущую
деятельность000000000в инвестиционную 000000000в
лизинг35,4117,510,5233,417,550,4931,3614,870,3912345678910Кредиты
физическим лицам396,0710,123,34400,499,653,22397,6810,053,33Ценные
бумаги000000000Итого598,913,796,88596,811,015,48626,211,055,76Ресурсы в
ЦА и
филиалах985,96,545,371064,28,157,23900,417,135,35правительственные000000
000нецелевые7,3007,2004,900корсчет978,66,65,3710578,27,23895,517,175,35И
того размещено в доходных
активах1410,087,859,231490,898,810,941324,548,229,07Размещено на нужды
банка168,21хх163,81хх155,08ххИтого
размещено1578,29хх1654,7хх1479,62ххПримечание. Источник: Собственная
разработкаИз них 85,9%-94,5% составляют средства физических лиц от
помещения иностранной валюты во вклады и депозиты. Причем наибольшую
долю составляет иностранная валюта от размещения физическими лицами
срочных депозитов – 84-92%, средства до востребования – 2%-3%.
Сумма размещенных ресурсов является балансирующим показателем сумме
привлеченных ресурсов.
Размещено в доходных активах в 1 квартале 2005г.: в январе – 1410,08
млн.рублей, феврале – 1490,89 млн.рублей, в марте – 1324,54
млн.рублей, что составляет от 89,3% до 90,1% от стоимости всех
размещенных ресурсов в иностранной валюте. На нужды банка для
подкрепления кассовой наличности валютных касс и обменных пунктов
направлено от 9,9% до 10,7%.
От стоимости доходных активов размещено 69,9% – 71,4% на рынке
межфилиальных расчетов (перечислено в центральный аппарат и филиалы
банков), в кредитование в иностранной валюте физических лиц –
26,9%-30,2%, в кредитование юридических лиц – 2,2% – 2,5%. Кредитование
юридических лиц в иностранной валюте представлено в полном объеме
выданным лизингов.
В таблице 2.3 отражены привлеченные и размещенные ресурсы в иностранной
валюте в пересчете на белорусские рубли в 1 квартале 2006г. Таблица 2.3
показывает, что отделением ОАО «Белагропромбанк» в г.Браславе в 1
квартале 2006г. среднедневные остатки по привлеченным ресурсам в
иностранной валюте составляют в январе 1473,5 млн.рублей, в феврале –
1506,8 млн.рублей, в марте – 1528,8 млн.рублей. Из них 92,8% – 94,2%
составляют средства физических лиц от помещения иностранной валюты во
вклады и депозиты. Иностранная валюта от размещения физическими лицами
срочных депозитов – 89,8 – 91%, средства до востребования – 2,8% – 4,1%.
Размещено в доходных активах в 1 квартале 2006г.: в январе – 1248,5
млн.рублей, феврале – 1338,0 млн.рублей, в марте – 1367,9 млн.рублей,
что составляет от 84,7% до 89,5% от стоимости всех размещенных ресурсов
в иностранной валюте, на нужды банка направлено от 10,5% до 15,3%.
Размещено на рынке межфилиальных расчетов от стоимости доходных активов
54,2% – 71,4%, в кредитование физических лиц – 43,5%-47,0%, в выдачу
лизинга юридических лиц – 0,6% – 0,96%.
Сумма привлеченных денежных средств в иностранной валюте от физических
лиц составляла наибольшую долю в привлеченных ресурсах, их доля
колеблется в 1 квартале 2005г. в промежутке от 85,9% до 94,5%, в 1
квартале 2006г. – от 92,8% до 94,2%.
Таблица 2.3 – Привлеченные и размещенные ресурсы в иностранной валюте в
1 квартале 2006г. (Млн.руб.)
Наименование показателейЯнварьФевральМартостаток среднедн.проц.
ставкасумма проц.остаток среднедн.проц.
ставкасумма проц.остаток среднедн.проц.
ставкасумма проц.12345678910Привлеченные ресурсы средства
юридических лиц0,6000,7001,300 в т.ч. средства до
востребования0,60,0900,70,0201,30,050 срочные
депозиты000000000средства физических
лиц1388,85,246,071418,85,116,041418,85,486,46 в т.ч. средства до
востребования60,30,09047,50,02042,60,050 срочные
депозиты1328,65,486,061371,35,286,041372,25,656,46долговые
обязательства326,460,1738,96,480,2142,26,540,23прочие25,20017,90038,100и
того1446,75,186,241476,35,086,251496,45,366,69Ресурсы центрального
аппарата и
филиалов5,35,720,036,49,430,057,69,440,06правительственные000000,02000не
целевые5,35,720,036,45,660,037,69,440,06Прочие
пассивы21,5хх24,1хх24,8ххИтого
привлечено1473,5хх1506,8хх1528,8ххРазмещенные ресурсы Кредиты
юридическим лицам12,118,840,1910,118,950,1631,85,280,14в текущую
деятельность00000023,613,570в инвестиционную 000000000в
лизинг12,118,910,1910,118,950,168,220,460,1412345678910Кредиты
физическим лицам586,813,686,69586,710,885,32594,411,355,62Ценные
бумаги000000000Итого598,913,796,88596,811,015,48626,211,055,76Ресурсы в
ЦА и
филиалах6986,583,82741,27,564,67741,77,864,86правительственные000000000н
ецелевые48,40022,2001500корсчет649,67,073,827177,794,67726,78,024,86Итог
о размещено в доходных
активах1248,510,2910,7113389,110,151367,99,3210,62Размещено на нужды
банка225хх168,8хх160,9ххИтого
размещено1473,5хх1506,8хх1528,8ххПримечание. Источник: Собственная
разработкаРост доли привлеченных депозитов от физических лиц в 2006г.
объясняется повышением доверия со стороны населения к банковской системе
и улучшением уровня и качества жизни населения, ростом денежных доходов
населения.
При размещении иностранной валюты наибольшую долю занимало ее размещение
при межфилиальных расчетах (перечисления центральному аппарату и
филиалам), их доля колеблется в 1 квартале 2005 г. от 68% до 71,4% и 1
квартале 2006г. – от 54,2% до 55,9%. Снижение доли объясняется
перераспределением денежных средств в иностранной валюте в сферу
кредитования населения. Так, доля выданных кредитов населению в 1
квартале 2005г. составляла от 26,9% – 30,0%, а в 1 квартале 2006г. она
возросла и составила 43,5% – 47,0%.
Доходы от иностранной валюты, распределяемой Банком в безналичном
порядке, представляет собой процентное вознаграждение Банка за
выдаваемые кредиты в иностранной валюте физическим и юридическим лицам и
за финансирование центрального аппарата и филиалов.
На рисунке 2.15 отражен размер процентных ставок по размещаемым денежным
средствам в 1 квартале 2005г.
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0000000
Рисунок 2.15 – Размер процентных ставок по размещенным ресурсам в 1 кв.
2005г.
Рисунок 2.15 показывает, что наиболее высокие процентные ставки в 1
квартале 2005г. по кредитам юридических лиц в иностранной валюте. Их
размер колеблется в промежутке от 14,87% до 17,55%, причем к концу
квартала ставки по выдаваемым кредитам снижаются. Ставки по кредитам
физических лиц составляют 9,65% – 10,12%, ставки по размещенным денежным
средствам при межфилиальных расчетах составляют 6,54%-8,15%.
Разница, к примеру, между процентной ставкой по кредитам юридических лиц
и физических лиц в начале квартала составляет 7,39%, в конце 1 квартала
– 4,82%.
На рисунке 2.16 отражены процентные ставки по размещаемым ресурсам в
иностранной валюте в 1 квартале 2006г.
picscalex85010009000003ba2700000b001610000000001610000026060f002220574d4
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003000040010000f000000000000000000000000000000000e2040080a90300460000002
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c00000000000000244001000c00000000000000214007000c00000000000000304002001
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fffff00180000000c00000000000000140000000c0000000d000000300000000c0000000
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1000500000009027373bf000500000001027373bf000e000000240305002701bd002e01b
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a0004000000f001090007000000fc0200004d1a33000000040000002d01090004000000f
00101000500000009024d1a33000500000001024d1a33000e000000240305003b0104013
b019e00420198004201ff003b01040107000000fc020000993366000000040000002d010
10004000000f001090005000000090299336600050000000102ffffff000e00000024030
5002701040127019e003b019e003b01040127010401040000002d01000004000000f0010
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c020000808066000000040000002d010a0004000000f0010100050000000902808066000
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40107000000fc020000ffffcc000000040000002d01010004000000f0010a00050000000
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5004f014b0057014500420145003b014b004f014b00040000002d01000004000000f0010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d0004000000020101001c000000fb02f1ff000084038403bc02000000cc0010000041726
9616c204379720000000000000000000000000000000000000000000000040000002d010
90012000000320ab500160007000000eff0eef6e5edf2000900090009000900080009000
700040000002d01050004000000f0010900040000002d010600040000002d01050004000
0002d010200040000002d010600040000002701ffff030000001e00040000002d0105000
40000002d010100050000000102ffffff0005000000090200000000040000002c0100000
7000000160438011f0206000600050000001402080146000400000004010d00040000000
201020005000000130208015901050000001402080146000500000013020c01460005000
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000320a0f01b40007000000f4e5e2f0e0ebfc000a000800080007000800080008000d000
000320a0f011c0104000000ece0f0f20a00080007000600040000002d010200040000002
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0000102ffffff0005000000090200000000040000002c0100000700000016043e0124020
0000000040000002d010200040000002d010600040000002701ffff030000001e0004000
0002d010400040000002d010100050000000102ffffff000500000009020000000004000
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900040000002d01010005000000010200000000050000000902ffffff00040000002c010
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d010600040000002701ffff030000001e00040000002d010400040000002d01090004000
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4000000f001010007000000fc0200009999ff000000040000002d01010004000000f0010
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4000000f0010a00050000000902ffffcc000400000004010d00040000000201020007000
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a0005000b000800040008000800080007000b00040000002d010200040000002d0103000
40000002d010600040000002701ffff030000001e00040000002d010400040000002d010
900040000002d010100050000000102ffffff0005000000090200000000040000002c010
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d010600040000002701ffff030000001e00040000002d010400040000002d01090004000
0002d010100050000000102ffffff0005000000090200000000040000002c01000007000
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40000002701ffff030000001e00040000002d010400040000002d010900040000002d010
100050000000102ffffff0005000000090200000000040000002c0100000700000016043
e01240200000000040000002d01000004000000f0010900040000002d01020004000000f
0010100040000002d010600040000002701ffff030000001e00050000000102ffffff000
5000000090200000000040000002c0100000700000016043e01240200000000040000002
701ffff030000001e00050000000102ffffff0005000000090200000000040000002701f
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30000000000
Рисунок 2.16 – Размер процентных ставок по размещенным ресурсам в 1 кв.
2006г.
Рисунок 2.16 показывает, что наиболее высокие процентные ставки в 1
квартале 2006г. аналогично как и в 1 квартале 2005г. по кредитам
юридических лиц в иностранной валюте. Размер ставок колеблется в
промежутке от 18,84% до 20,46%, причем к концу квартала ставки
возрастают. Ставки по кредитам физических лиц составляют 10,88% –
13,68%, ставки по размещенным денежным средствам при межфилиальных
расчетах составляют 6,58%-7,86%.
Разница между процентной ставкой по кредитам юридических лиц и
физических лиц в начале квартала составляет 5,16%, в конце 1 квартала –
9,11%.
Невысокие процентные ставки по кредитам физических лиц объясняются
доступностью кредитов для населения с целью привлечения дополнительных
клиентов и улучшения уровня жизни населения. Преимущественно в эту
категорию кредитов входят кредитование жилищного сектора экономики и
потребительских нужд.
Сравнение процентных ставок в 1 квартале 2006г. и аналогичном периоде
прошлого года отражено на рисунке 2.17.
Рисунок 2.17 показывает, что процентные ставки по кредитам физических
лиц и юридических лиц в 1 квартале 2006г. превышают процентные ставки за
аналогичный период прошлого года. Превышение по процентным ставкам по
кредитам в иностранной валюте составило: физическим лицам за январь –
3,56%, февраль – 1,23%, март – 1,3%, по юридическим лицам – за январь –
1,33%, февраль – 1,4%, март – 5,59%.
Рост процентных ставок объясняется повышением спроса на кредитные
средства со стороны населения и юридических лиц и дефицитом кредитных
ресурсов.
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0002701ffff030000000000
Рисунок 2.17 – Размер процентных ставок по кредитам физических и
юридических лиц
С увеличением процентных ставок по кредитам в иностранной валюте
возрастают соответственно процентные доходы банка от операций с
иностранной валютой.
Расходы Банка от операций с иностранной валютой, поступающей Банку в
безналичном порядке в виде вкладов и депозитов, представляют собой
проценты, выплачиваемые вкладчикам денежных средств и зачисляемые на
счет владельцев денежных средств.
На рисунке 2.18 отражены размеры процентных ставок по привлеченным
ресурсам в 1 квартале 2005г.
picscalex850100090000033d20000008001610000000001610000026060f002220574d4
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40000002d010100050000000102ffffff00050000000902ff00ff00040000002c0100000
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500040000002701ffff030000001e00040000002d010400040000002d010700040000002
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fff030000001e00050000000102ffffff0005000000090200000000040000002c0100000
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700040000002d010500040000002701ffff030000000000
Рисунок 2.18 – Размер процентных ставок по привлеченным ресурсам в 1 кв.
2005г.
Рисунок 2.18 показывает, что в 1 квартале 2005г., что наиболее высокие
процентные ставки по межфилиальным ресурсам. Размер ставок колеблется в
промежутке от 6,22% до 12,9%, причем к концу квартала ставки возрастают.
Ставки по срочным депозитам физических лиц составляют 4,69% – 5,9%,
ставки депозитам до востребования физических лиц – 0,33% -0,69%. Ставки
по срочным депозитам имеют тенденцию к снижению, по депозитам до
востребования практически остаются на низком уровне. Рост ставок по
срочным депозитам объясняется заинтересованностью Банка в дополнительном
привлечении иностранной валюты и желанием заинтересовать вкладчиков в
привлечении средств на длительное время.
Разница между процентной ставкой по депозитам до востребования и срочным
в начале квартала составляет 5,81%, в конце 1 квартала – 4,64%.
На рисунке 2.19 отражены процентные ставки по привлеченным ресурсам в
иностранной валюте в 1 квартале 2006г.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Рисунок 2.19 – Процентные ставки по привлеченным ресурсам в 1 кв. 2006г.
Рисунок 2.19 показывает, что в 1 квартале 2006г. аналогично как и
предыдущем анализируемом периоде наиболее высокие процентные ставки по
межфилиальным ресурсам, их размер составляет 5,72% – 9,44%, к концу
квартала ставки возрастают. Ставки по срочным депозитам физических лиц
изменились незначительно и составили 5,48% – 5,65%, ставки депозитам до
востребования физических лиц – 0,02% – 0,09%. Разница между процентной
ставкой по депозитам до востребования и срочным в начале квартала
составляет 5,63%, в конце 1 квартала – 9,35%.
На рисунке 2.20 отражены процентные ставки по привлеченным ресурсам в
иностранной валюте в сравнении 1 квартала 2006г. и аналогичного периода
прошлого года.
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379720000000000000000000000000000000000000000000000040000002d0104001c000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Рисунок 2.20 – Процентные ставки по привлеченным ресурсам за 1 кв.
2005г. и 1 кв. 2006г.
Рисунок 2.20 показывает, что процентные ставки по срочным депозитам в 1
квартале 2005г. имеют тенденцию к снижению, в 1 квартале 2006г. они
незначительно отличаются от уровня прошлого года и колеблются на уровне
5% – 6%.
Невысокие процентные ставки по срочным депозитам в иностранной валюте
объясняются учетной политикой Банка, которая разработана в соответствии
с национальным законодательством Республики Беларусь и предусматривает
способствование росту спроса белорусской экономики на деньги
(преимущественное увеличение размеров депозитов в национальной валюте).
Изменение процентных ставок по депозитам в иностранной валюте влияет
пропорционально на процентные расходы Банка от операций с иностранной
валютой.
Разница между размером процентов по кредитам и процентов по депозитам
представляет собой прибыль банка в виде маржи. Маржа за 1 квартал 2005г.
составила 2,0% – 11,3% и к концу квартала она снизилась. В 1 квартале
2006г. маржа составила 9,5% – 18,9% и также снизилась к концу квартала.
Снижение маржи по привлеченным и размещенным ресурсам в иностранной
валюте объясняется ростом процентных ставок по валютным кредитам.
По результатам проведенного анализа в данной главе можно сформулировать
основные выводы:
1. Обороты по покупке и продаже иностранной валюты с участием физических
лиц возросли в 1 квартале 2006 г. при сравнении с аналогичным периодом
прошлого года. Причиной увеличения оборотов по валютно-обменным
операциям послужило открытие в августе 2005 года третьей валютной кассы
ГОПЕРУ ОАО «Белагропромбанк» и улучшение экономической ситуации в
стране.
2. Прибыль от проведения валютно-обменных операций с участием физических
лиц в 1 квартале 2006г. возросла по сравнению с аналогичным периодом
прошлого года. Рост прибыли объясняется увеличением оборотов по
покупке-продаже иностранной валюты и улучшением сложившейся
экономической ситуации в стране, когда население доверяет отечественным
банкам и заинтересовано в проведении валютных операций.
3. Сумма привлеченных денежных средств в иностранной валюте от
физических лиц составляла наибольшую долю в привлеченных ресурсах, их
доля возросла в 1 квартале 2006г. по сравнению с аналогичным периодом
прошлого года. Рост объясняется повышением доверия со стороны населения
к банковской системе и улучшением уровня и качества жизни населения,
ростом денежных доходов населения.
4. При размещении иностранной валюты наибольшую долю занимало ее
размещение при межфилиальных расчетах, их доля снижается к 1 кварталу
2006г. Снижение объясняется перераспределением денежных средств в
иностранной валюте в сферу кредитования населения, так как доля выданных
кредитов населению возросла.
5. В целом наблюдается рост процентных ставок по размещенным валютным
ресурсам. Рост процентных ставок объясняется повышением спроса на
кредитные средства со стороны населения и юридических лиц и дефицитом
кредитных ресурсов.
6. Доступные процентные ставки установлены по кредитам физических лиц в
иностранной валюте. Невысокие процентные ставки объясняются доступностью
кредитов для населения с целью привлечения дополнительных клиентов и
улучшения уровня жизни населения. Преимущественно в эту категорию
кредитов входят кредитование жилищного сектора экономики и
потребительских нужд.
7. Рост ставок по срочным депозитам объясняется заинтересованностью
Банка в дополнительном привлечении иностранной валюты и желанием
заинтересовать вкладчиков в привлечении средств на длительное время.
8. Невысокие процентные ставки по срочным депозитам в иностранной валюте
объясняются учетной политикой Банка, которая разработана в соответствии
с национальным законодательством Республики Беларусь и предусматривает
способствование росту спроса белорусской экономики на деньги
(преимущественное увеличение размеров депозитов в национальной валюте).
9. Разница в процентных ставках между привлеченными и размещенными
ресурсами в иностранной валюте в 1 квартале 2006г. снижается по
сравнению с аналогичным периодом прошлого года. Снижение объясняется
ростом процентных ставок по валютным кредитам в 1 квартале 2006г.
3 ОСНОВНЫЕ НАПРАВЛЕНИЯ СОВЕРШЕНСТВОВАНИЯ МЕХАНИЗМА ПРОВЕДЕНИЯ НАЛИЧНЫХ
ВАЛЮТНО-ОБМЕННЫХ ОПЕРАЦИЙ
3.1 Направления совершенствования механизма валютно-обменных
операций
В настоящее время, в условиях усиливающейся конкуренции, банки, которые
являются одними из основных участников валютного рынка, нацеливают свои
усилия на совершенствование услуг, оказываемых населению. Важность и
актуальность такого развития розничного рынка банковских услуг
подчеркивается Концепцией развития розничных банковских услуг в
Республике Беларусь до 2010 года. Потому особую актуальность приобретают
исследования валютно-обменных операций на наличном валютном рынке,
участниками которого являются физические лица – как резиденты, так и
нерезиденты.
Начавшийся с декабря 1999 года активный рост операций по покупке продаже
наличной иностранной валюты в обменных пунктах банков, возрастающая
конкуренция на рынке валютно-обменных операций с наличной иностранной
валютой вызывает необходимость анализа этой банковской услуги с целью
определения наиболее приемлемого обменного курса и оптимальной суммы
оборотных средств пункта обмена валюты.
Необходимость подобного анализа также обусловлена вопросами следующего
характера: насколько рентабельна работа обменного пункта, целесообразно
ли дальнейшее функционирование пункта обмена валюты и что нужно сделать,
чтобы работа пункта отвечала требованиям рентабельности данного
банковского продукта.
Ответы на данные вопросы в наибольшей степени раскрывают приведенные
ниже два метода оценки деятельности пунктов обмена валюты:
– метод сравнительного анализа работы пункта обмена валюты;
– метод количественного анализа работы пункта обмена валюты.
Метод сравнительного анализа требует создания базы данных о работе
пунктов обмена валюты в разрезе таких параметров, как: отчетный период,
отдельные пункты обмена валюты и другие. Изначальные данные используются
из стандартных форм отчетности по пунктам обмена валюты и из отчетности
о доходах и расходах. Однако необходимо учесть, что данный метод требует
применения раздельных (для каждого взятого пункта обмена валюты) лицевых
счетов аналитического учета от операций валютного обмена. [54, c. 138].
Первоначальными данными для анализа являются:
– среднедневной оборот средств в пункте обмена валюты AR – сумма прихода
и расхода в течение месяца, разделенная на количество рабочих дней
месяца (данные могут использоваться из отчета 1034, предоставляемого в
учреждения Национального банка, и лицевых счетов 6901 – в разрезе
(купленная валюта в обменных пунктах);
– среднедневной остаток средств в пункте обмена валюты ABR – сумма
остатков на начало и на конец дней работы пункта обмена валюты, деленная
на число рабочих дней (данные используются из лицевых счетов 6901 в
разрезе обменных пунктов);
– среднедневной доход AE – месячный доход от операций валютного обмена,
деленный на число рабочих дней в данном месяце (данные используются из
лицевых счетов 6980 в разрезе обменных пунктов).
На основании этих данных исчисляются следующие агрегированные
показатели:
R оборачиваемость средств – AR / ABR – отражает интенсивность
использования имеющихся средств в распоряжении обменного пункта;
Е доходность валютных операций – AЕ / AR – отражает обоснованность
установленной курсовой разницы и, соответственно, конкурентоспособность
установленных курсов (доход от оборота средств, эквивалентных 1 000
рублей или другой масштаб);
Р – оправданность вовлечения средств в валютный обмен – AЕ / ABR –
отражает эффективность использования вовлеченных в обменные операции
средств(среднедневной доход на 1 000 рублей, размещенных в обменном
пункте).
Данные показатели образуют следующее уравнение: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(3.1)
Извлечение данных и вычисление показателей может быть осуществлено
автоматически с помощью соответствующей программы. Интерпретировать
значение этих показателей целесообразно при проведении сравнительного
анализа. Их динамика может представляться в форме графика или таблицы
[54, c. 140].
На основании сравнительного анализа показателей и оценки величины
первичных данных, как правило, можно определить:
– количество случаев, при которых произошли изменения финансовых
показателей;
– причины изменения (используя факторный анализ);
– чрезмерная иммобилизация средств (необоснованно большие остатки) или
недостаток оборотных средств;
– неконкурентный обменный курс или неоправданная курсовая разница
(незначительный доход, незначительные обороты);
– любые другие вариации изначальных данных, приводящие к изменению
показателей.
Положительные результаты анализа дают сравнение обозначенных проблемных
ситуаций с динамикой официального курса, величины среднего обменного
курса пункта обмена валюты, величины курсовой разницы (с учетом сезонных
изменений).
Использование данного метода представляет возможность определить
оптимальный (рекомендуемый) остаток средств в обменном пункте, а при
некотором приближении, и курсовую разницу, приемлемую для данного
обменного пункта.
Однако анализ представленных выше показателей не дает возможности
оценить экономический эффект (прибыль) от функционирования отдельно
взятого обменного пункта. Эта задача решается в рамках метода
количественной оценки прибыльности пункта обмена валюты, основывающегося
на основном принципе финансового анализа – концепции временной вариации
стоимости денег, указывающей на различие стоимости денег в настоящем и
будущем.
Действительно, открытие и функционирование пункта обмена валюты требует
изъятия из банковского оборота определенных финансовых ресурсов. При
расчете экономической эффективности деятельности пункта обмена валюты
необходимо учитывать тот факт, что банк мог избрать другое направление
этих ресурсов, которое принесло бы определенный доход (потенциальный
доход – РЕ). Этот показатель, отражающий косвенные потери банка, может
быть рассчитан по следующей формуле: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(3.2)
где
Xj – вид затрат пункта обмена валюты;
I – годовая ставка процента по размещенным с минимальным риском
средствам банка или филиала (в качестве I можно использовать среднюю по
банку ставку размещения средств);
m – число месяцев.
Затраты банка по созданию и обеспечению функционирования пункта обмена
валюты могут быть разбиты на следующие группы:
– первоначальные затраты – киоск пункта обмена валюты, кассовые
аппараты, детекторы подлинности валют, счетчики купюр и т.п.
– текущие затраты – фонд оплаты труда кассиров, аренда, охрана и т.п.
– косвенные затраты – налоговые платежи, расходы по инкассации
– оборотные средства пункта обмена валюты, необходимые для его
ежедневного функционирования.
Полученные значения потенциального дохода – РЕ – прибавляются к общей
сумме затрат обменного пункта, в результате чего получаем расчетное
значение всех затрат на создание и функционирование пункта обмена валюты
с учетом недополученных средств по причине их изъятия из оборота
доходов.
В то же время банк получая в анализируемом периоде доходы от
функционирования пункта обмена валюты вовлекает их в деловой оборот,
получая при этом дополнительные доходы – АЕ. Их сумма определяется
следующим образом: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(3.3)
где
Y – доходы обменного пункта, возвращенные в деловой оборот банка;
I – годовая ставка процента по размещенным с минимальным риском
средствам банка (в качестве I можно использовать среднюю ставку
размещения средств по банку);
n – число месяцев использования этих доходов в анализируемом периоде.
Сумма доходов обменного пункта в анализируемом периоде, включая
дополнительный доход (АЕ) сравнивается с расчетным значением затрат
обменного пункта. Разность этих показателей отражает абсолютный
экономический эффект от деятельности пункта обмена валюты в
анализируемом периоде. На практике встречаются случаи, когда, согласно
традиционной методике определения финансовых результатов (текущие доходы
за исключением текущих расходов), деятельность обменного пункта
прибыльна, однако с учетом показателей РЕ и АЕ, приносит убытки. В этих
случаях, если присутствие банка на местном валютном рынке желательно, то
необходимо определить (используя метод сравнительного анализа) причины
низких доходов, обоснованность размера оборотных средств обменного
пункта и изыскать резервы снижения текущих и косвенных затрат.
Предлагается комплекс мероприятий по совершенствованию организации
валютно-обменных операций. Его можно разделить на несколько
взаимосвязанных блоков.
Блок 1. Совершенствование механизма функционирования валютного рынка в
целом:
1) Упорядочить наличное денежное обращение. Создать современную
инфраструктуру внутреннего валютного рынка.
2) Сократить финансовые и взаимозачетные операции вне банковского
сектора, в том числе, шире использовать банковские векселя, вексельные
кредиты, встречные аккредитивы, банковские гарантии во взаиморасчетах
стран СНГ.
3) Повысить предложение валюты на внутреннем валютном рынке.
4) Минфину внести изменения в систему льгот и порядок взимания налогов с
экспортеров с целью стимулирования продажи валютной выручки на
внутреннем валютном рынке.
5) Вовлечь в экономический оборот валютные сбережения населения путем
предоставления банкам возможности привлекать валютные средства на срок
более одного или двух лет без предоставления деклараций с признанием
этих средств легализованными по окончании срока договора.
6) Снизить спрос на валюту путем уменьшения эффективности торговых
операций по импорту.
7) Ограничение рублевой эмиссии до долговременной стабилизации ситуации,
стимулирование рублевых сбережений.
8) Отказаться от кредитной эмиссии на строительство жилья, мобилизовав
для этой цели сбережения населения, установив высокие ставки по
привлечению рублевых и валютных вкладов на ипотечные счета и покрыв
разницу между высокой ставкой привлечения и низкой размещения за счет
прибыли Национального банка. Необходимо создать систему перетока
сбережений в ипотечные кредиты, предоставив соответствующие налоговые и
другие льготы АСБ «Беларусбанк» и населению.
9) Министерству промышленности и Национальному банку разработать системы
мер по ужесточению финансовой дисциплины субъектов хозяйствования и
совершенствования контроля за целевым использованием бюджетных средств и
целевых кредитов.
10) Необходимо Национальному банку разработать меры по укреплению
финансового состояния банков, притоку сбережений в национальный
инвестиционный капитал. Одной из первых таких мер должна быть
инвентаризация и реструктуризация всех проблемных валютных кредитов.
Реализация данных задач началась в декабре 1999 года, что сразу же
сказалось на функционировании рынка наличной иностранной валюты: резко
возросли объемы покупки – продажи валюты в обменных пунктах банков,
повысилась доходность валютно-обменных операций, вновь стали открываться
пункты обмена валюты.
Блок 2. С целью повышения эффективности функционирования рынка наличной
иностранной валюты можно предложить следующее.
Операции покупки и продажи, конверсии наличной валюты являются одними из
основных операций неторгового характера, а так же занимают основной
удельный вес в операциях банка с наличной иностранной валютой. Они
являются наиболее доходными и менее рискованными по сравнению с
кредитными операциями коммерческого банка в настоящее время, так как при
этих операциях банк работает на «коротких» ресурсах, то есть не
происходит долгосрочного отвлечения ресурсов из оборота, и в любой
момент времени банк может корректировать свои действия на наличном рынке
исходя из сложившейся ситуации.
Основными источниками наличной иностранной валюты являются:
– вклады населения в депозиты;
– средства, вносимые на текущие счета;
– подкрепление валютной кассы филиала из головного банка.
Так же банк может «обналичить» свои безналичные ресурсы в иностранной
валюте, но за «обналичивание» он должен будет заплатить установленный
размер комиссионного вознаграждения, что будет уменьшать конечный
финансовый результат по операциям с иностранной валютой. Поэтому
коммерческому банку надо организовать свою работу так, чтобы обходиться
преимущественно своими наличными ресурсами в случае, если процент за
наличную иностранную валюту высокий, а спрос на нее со стороны населения
низкий. В данной ситуации стратегия банка должна быть направлена на
сокращение объемов наличной иностранной валюты до необходимого минимума,
который способен будет обслуживать потребности населения. В ситуации
же, когда на наличном рынке наблюдается увеличение спроса на иностранную
валюту, банку будет выгоднее держать излишек наличности в кассе,
добиваясь этого путем постоянного подкрепления кассы наличной
иностранной валютой у других банков, не зависимо от ее стоимости. Это
объясняется тем, что при ажиотажном спросе на валюту и постоянно
растущем курсе банк всегда сможет быстро и по более высокой цене
реализовать свои наличные активы, компенсировав при этом все свои
затраты, связанные с приобретением наличности. К таким затратам в первую
очередь относится, как уже отмечалось выше, процент за снятие наличных
денег. Так же не стоит забывать о проценте по ресурсам, который мог бы
получить банк, в случае активной работы с ними на безналичном рынке [48,
c.327].
Как и все валютные операции, операции на наличном валютном рынке связаны
с определенным риском для коммерческого банка. В настоящее время,
основной валютный риск связан с тем, что в условиях растущего обменного
курса, банки могут в конечном итоге покупать иностранную валюту дороже,
чем ее продавали, тем самым неся убытки в размере разницы между ценой
покупки и продажи, умноженной на количество проданной валюты. Основная
рекомендация в данной ситуации – это постоянное превышение количества
купленной валюты над количеством проданной, или же другими словами,
наличие у банка длинной валютной позиции.
На сегодняшний момент на наличном валютном рынке складывается
благоприятная ситуация для активной работы на нем банков. Постоянное
увеличение спроса на наличную иностранную валюту со стороны населения и
отсутствие ограничений для коммерческих банков со стороны Национального
банка по работе на наличном валютном рынке, дает возможность банку
повышать объемы операций и тем самым увеличивать свой доход.
Основным направлением активизации работы на наличном валютном рынке для
банка в настоящий момент может служить расширение сети обменных пунктов.
Анализируя пути повышения эффективности валютно-обменных операций с
наличной иностранной валютой, необходимо выделить весьма важный, на мой
взгляд, фактор – осуществление пунктами обмена валюты как можно больше
операций, разрешенных действующим законодательством. Кроме традиционной
купли – продажи наличной иностранной валюты за белорусские рубли – это
операции с платежными документами в иностранной валюте, проведение
конверсионных операций, прием для направления на инкассо наличной
иностранной валюты, обмен наличной иностранной валюты одного номинала на
эту же иностранную валюту другого номинала (размен наличной иностранной
валюты), обмен вышедших из обращения, но принимаемых к обмену, а также
изношенных, поврежденных, имеющих чернильные надписи денежных знаков
иностранной валюты, подлинность которых не вызывает сомнения, на
платежеспособные денежные знаки той же иностранной валюты (обмен
наличной иностранной валюты). Возможность проведения всех видов
валютно-обменных операций зависит, прежде всего, от оснащения пунктов
обмена валюты кассовыми аппаратами или компьютерно-кассовыми системами,
зарегистрированными в установленном порядке в налоговой инспекции.
Одной из важнейших проблем организации валютных операций на наличном
валютном рынке является выявление поддельных банкнот. На протяжении 2005
года в ходе проведения валютно-обменных операций кассовыми работниками
Республики Беларусь продолжали выявляться поддельные банкноты
иностранных государств и Национального банка Республики Беларусь.
Анализ представляемых в Главное управление эмиссионно-кассовых операций
Национального банка Республики Беларусь сведений о выявленных поддельных
банкнотах свидетельствует о непрекращающемся их изготовлении и сбыте. За
2005 год было выявлено, изъято из платежного оборота, а передано в
органы внутренних дел республики 1567 поддельные банкноты. В 2004 году
было изъято 1754 поддельные банкноты.
Наибольшее количество поддельных банкнот было выявлено в г.Минске и
Минской области – 846 штук, что составляет 54% от общего количества
выявленных поддельных банкнот.
Основными способами изготовления поддельных банкнот являются цветная
электрофотография и струйная печать – 1308 штук. Банкноты, изготовленные
данными способами, не отличаются высоким качеством и легко распознаются
кассовыми работниками.
Как и в предыдущие годы, основную массу поддельных банкнот составляют
доллары США (2004 год – 1461 штука, 2005 год – 1210 штук). Среди них
наибольшее количество – это банкноты достоинством 100 долларов США – 968
штук (80% от общего количества). Следует отметить снижение количества
наиболее тяжело выявляемых поддельных банкнот США класса «супер» –
трудно выявляемые поддельные банкноты достоинством 50 и 100 долларов
США, выполненные по технологии изготовления подлинных денежных знаков и
отличающиеся от последних лишь мелкими деталями графического оформления.
Несколько снизилось число выявленных поддельных банкнот евро (2004 год
– 85 штук, 2005 год – 78 штук), среди которых наибольшее количество
составляют банкноты достоинством 50 и 100 евро. Среди выявленных
поддельных банкнот евро встречаются банкноты высокого качества
изготовления.
Несколько увеличилось число выявленных поддельных банкнот Банка России
(2004 год – 31 штука, 2005 год – 48 штук).
Увеличились изготовление и сбыт поддельных билетов Национального банка
Республики Беларусь (2004 год – 159 штук, 2005 год – 231 штука).
Наиболее часто выявляются поддельные банкноты достоинством 10000 рублей
и 20000 рублей.
Значительная часть поддельных банкнот Национального банка Республики
Беларусь (95,5% от общего числа) была принята кассирами предприятий
торговли, акционерных обществ и других форм собственности,
осуществляющих реализацию товаров и услуг за наличный расчет, а выявлена
при пересчете инкассированной выручки в структурных подразделениях
Национального банка Республики Беларусь [23, с.2].
Учитывая вышеизложенное, необходимо обеспечить обучение кассовых
работников способам определения подлинности банкнот, обязав их при
проведении валютно-обменных операций осуществлять тщательный визуальный
контроль и использовать технические средства при приеме и пересчете
денежной наличности, а также рекомендовать руководителям предприятий,
обслуживающихся в структурных подразделениях банков, организовать работу
по обучению кассиров указанных предприятий. (Постановление НБ РБ от
28.01.2006).
Существенной проблемой организации работы обменных пунктов является
загруженность кассового работника операциями, которые могут быть
эффективно автоматизированы. Автоматизация таких операций позволит
снизить операционные издержки обменного пункта, увеличить количество
обслуживаемых клиентов и даст возможность получения дополнительного
дохода.
Обменные пункта каждого современного банка оснащены компьютерными
системами, которые автоматизируют достаточно трудоемкие операции
банковского учета. Однако таким системам присущ ряд недостатков, среди
которых:
– недостаточная производительность и невозможность поддержания больших
объемов данных;
– необходимость работы напрямую с базами данных (описание конфигурации,
список кассиров, список допустимых валют);
– отсутствие согласованности с работой принтера;
– возможность осуществления ограниченного перечня наличных операций с
иностранной валютой (размен, прием таможенных платежей, покупка-продажа,
дорожных чеков и др. не поддерживаются).
Помимо отмеченных важными недостатками являются невозможность текущего
контроля за работой обменного пункта, снижение качества выполнения
кассиром своих функций под воздействием психологических факторов,
отсутствие централизованной системы, которая позволила бы осуществлять
мониторинг текущего состояния наличного валютного рынка и оперативно
реагировать на изменение спроса и предложения на валюту.
Все это приводит к недостаточной эффективности деятельности банков на
наличном валютном рынке.
Предлагаемый выход из данной ситуации включает следующие этапы:
1) модернизацию программного обеспечения;
2) замену технически и морально износившихся технических средств и
оборудования в обменных пунктах;
3) построение локальной вычислительной сети закрытого типа.
Реализация первого этапа даст банку возможность сократить затраты
времени на проведение валютно – обменных операций и оформление
документов, расширить перечень проводимых операций (добавить размен,
обмен, конверсию, возможность проведения других расчетов обменным
пунктом при наличии внешней связи и доступа к ресурсным базам),
сократить объемы работ, не требующих высокой квалификации, повысить
качество обслуживания клиентов.
Выбор банком информационной системы усложняете при необходимости
поддерживать высокоскоростной обмен данными между обменными пунктами,
между обменным пунктом и банком, между банками. В связи с этим банкам
приходится не только осуществлять техническое оснащение, но и
перепроектировать всю системную инфраструктуру банка.
Сбалансированное программное обеспечение, грамотно разработанное при
содействии не только программистов и руководителей подразделений, но и
самих кассиров, которые помогут наиболее рационально организовать
технологический цикл работы обменного пункта и выявить «узкие» места,
позволит уменьшить нагрузки в пиковые часы работы пункта обмена валют.
Проведение мероприятий по реализации второго этапа даст возможность
подключить устройства мониторинга за работой обменных пунктов. Кассиры
при выполнении своих обязанностей не всегда могут оперативно выявлять
утерянные, нелегально полученные, фальшивые документы, по которым
разрешена продажа иностранной валюты. Создание системы
автоматизированного контроля положительно скажется на всех агентах
валютного контроля. Установив камеру слежения с фиксацией данных на
сервере, в расположенном в отделении, банк получит возможность
наблюдения за работой обменного пункта, а значит, выявления и устранения
конфликтных ситуаций и нарушений в работе кассира и оперативного
реагирования в случае возникновения форс-мажорных обстоятельств.
Построение локальной сети и наличие связи между обменным пунктом и
банком дает возможность проведения не только валютно-обменных операций,
но и различных платежей и зачислений [17, c. 25].
К особенностям работы обменного пункта, которые должны учитываться при
его техническом оснащении, относятся следующие факторы:
– работа в режиме реального времени;
– ежедневная настройка системы по ряду параметров;
– работа с документами строгой отчетности, в том числе распечатка в
соответствующих местах необходимых данных;
– работа с наличными денежными средствами:
– сравнительно небольшой объем обрабатываемой информации.
В связи с этим можно предложить систему, автоматизирующую наиболее
трудоемкие операции, выполняемые валютным кассиром в обменном пункте:
– настройка системы на текущий операционный день, включающая установку
текущей даты, определение обменного пункта и валютного кассира,
регистрация выданного аванса в валюте и в рублях, установка курсов
валют;
– текущий контроль наличных денежных средств в рублях и валюте;
– подготовка и вывод на печать отчетных форм по результатам работы за
операционный день;
– проведение операций по покупке-продаже и обмену иностранной валюты;
– редактирование текущего курса валют в течение рабочего дня;
– оформление и вывод на печать справки строгой отчетности на операцию
купли-продажи наличной валюты,
– ведение ежедневных реестров купли-продажи наличной валюты.
Важной особенностью проектируемого АРМ является создание дружественного
интерфейса системы с пользователем, учитывающей уровень его подготовки и
возможность обучения (самообучения).
Эффективность внедрения автоматизированной системы обусловлена действием
ряда факторов – организационного, информационного и экономического
характера.
Организационный эффект проявляется в освобождении работников от рутинных
операций по систематизации и группировке учетных данных, многочисленных
расчетов и записей в реестры и другой документации, сверки показателей и
увеличении тем самым времени для проведения анализа и оценки
эффективности принимаемых управленческих решений.
Информационный фактор эффективности выражается в повышении уровня
информированности персонала.
Экономический фактор проявляется в том, что учетная информация, имеющая
целью полное и своевременное отражение изменения состояния объекта и
причин, влияющих на его развитие, в конечном счете направлена на
улучшение использования производственных ресурсов.
Опыт эксплуатации комплексов задач показал, что в процессе автоматизации
учетно-вычислительных работ достигаются снижение трудоемкости отдельных
операций, рост производительности и улучшения условий труда отдельных
работников, повышение оперативности, достоверности, включая подготовку
отчетности при постоянно растущем объеме первичной документации без
увеличения численности персонала.
Итак, экономическая эффективность складывается из двух основных
компонентов:
– совершенствования производственной, хозяйственной и финансовой
деятельности обменного пункта;
– сокращение затрат на проведение вычислительных операций.
Базой для оценки экономической эффективности автоматизированной системы
может служить время, затрачиваемое на одного клиента в обменном пункте.
К основным обобщающим показателям экономической эффективности проекта
оптимизации деятельности обменного пункта относятся:
– годовой экономический эффект от разработки и внедрения
автоматизированной системы;
– срок окупаемости автоматизированной системы;
– расчетный коэффициент эффективности капитальных затрат.
Таким образом, годовой экономический эффект от внедрения предлагаемого
проекта модернизации деятельности обменного пункта равен 1413,9 USD срок
окупаемости системы составляет 7 месяцев.
Исходя из специфики деятельности банков на наличном валютном рынке,
разрабатываемая система должна удовлетворять следующим требованиям:
1. Функциональные возможности АРМ должны предоставить возможность
выполнения в автоматизированном режиме основных операций, производимых
валютным кассиром.
2. Системное программное обеспечение должно поддерживать работу в режиме
реального времени и допускать проведение в больших количествах операций
ввода-вывода, чтения, записи, вывода на печать.
3. Базовые программные средства должны обеспечивать перенос пакета
прикладных программ на новые аппаратные платформы, без каких-либо
изменений в них.
4. Прикладное программное обеспечение, кроме требуемого функционального
диапазона, должно производить настройку системы на текущий операционный
день в соответствии с существующей технологией работы обменного пункта.
5. Прикладные программные средства должны организовывать взаимодействие
с существующей базой данных.
6. Управление АРМ должно быть простым и наглядным, а работа с
использованием АРМ должна снижать количество допускаемых валютным
кассиром ошибок. [17, с.18].
Реализация перечисленных требований позволит создать экономически
эффективную автоматизированную систему, которая существенно повысит
производительность труда валютных кассиров, увеличит пропускную
способность обменного пункта, улучшит качество обслуживания клиентов.
При дальнейшей реорганизации обменного пункта банку следует ставить
вопрос о создании модульного программного обеспечения всего банка. Как
правило, при заказе одной крупной АБС обеспечивается более низкая ее
стоимость, чем при заказе программного обеспечения для каждого отдела
или вида деятельности банка. Создав модульную систему, банк обеспечит
также высокую скорость обработки информации, совместимость данных,
простоту восстановления данных с резервных копий в случае сбоя и т.д.
Для того чтобы такой проект имел успех, модульное программное
обеспечение должно иметь функцию настройки пользовательского интерфейса,
а также предоставлять возможность выбора только необходимых для работы
операций и документов.
С экономической точки зрения реализация проекта комплексной
автоматизации банковской деятельности на базе модульного программного
обеспечения позволит банку увеличить производительность труда
работников, сократить время совершения и оформления банковской операции,
повысить прибыльность работы, а следовательно, и повысить свой рейтинг и
имидж.
3.2 Пути повышения экономической эффективности применения
программного средства для учета валютно-обменных операций
Программа разработана для нужд Браславского отделения ОАО
«Белагропромбанк». Назначение программы – автоматизация работы валютного
отдела. Программа предназначена для квалифицированных пользователей, не
требует знаний в области компьютерной техники, легка и понятна в
эксплуатации.
Применение программы позволит максимально уменьшить ручной труд
работников валютного отдела. Программа участвует в предоставление
справочной информации, взаимодействие с другими отделами, составление и
печать сводной (отчетной) статистической отчетности.
В настоящее время неизвестны какие-либо аналоги разработанной программы,
учитывающие особенности структуры отрасли. Коммерческий успех программе
обеспечивает невысокая цена, а также обширный круг проблем, решаемых
программой.
Программные средства вычислительной техники являются материальными
объектами специфической интеллектуальной деятельности специалистов,
состоящими из программных документально оформленных проектов,
реализующих свои потребительские свойства и качества в составе
функционирующих вычислительных систем или систем обработки данных.
Программные средства вычислительной техники как товарная продукция может
быть двух видов:
1) научно-техническая продукция;
2) продукция производственно-технического назначения.
В современных рыночных экономических условиях Республики Беларусь
программные средства как товарная продукция соответствующих
научно-технических организаций выступает преимущественно в виде
научно-технической продукции, представляющей собой функционально
завершенные и имеющие товарный вид программные средства вычислительной
техники, реализуемые покупателям по рыночным отпускным ценам.
В результате разработки и применения программных средств вычислительной
техники экономический эффект достигается за счет экономии трудовых,
материальных и финансовых ресурсов на основе:
1) снижения трудоемкости алгоритмизации программирования и отладки
программ (задач) за счет использования программного средства в процессе
разработки автоматизированных систем и систем обработки данных;
2) сокращения расходов на оплату машинного времени и других ресурсов на
отладку и сдачу задач в эксплуатацию;
3) снижения расходов на материалы (магнитные ленты, магнитные диски и
прочие материалы);
4) ускорения ввода в эксплуатацию новых систем;
5) улучшение показателей основной деятельности предприятий в результате
использования программных средств.
Расчет экономической эффективности программных средств вычислительной
техники основан на принципах комплексной оценки эффективности
мероприятий, направленных на ускорение научно-технического прогресса.
Расчет экономического эффекта от программных средств осуществляется у
разработчика и у потребителя. У разработчика экономический эффект
выступает в виде прибыли, остающейся в распоряжении предприятия от
реализации программного средства:
picscalex130010009000003f901000002001c0000000000050000000902000000000500
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0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61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(3.4)
где
Р – доход (выручка) от реализации программного средства за минусом
налога на добавленную стоимость;
С – себестоимость программного средства;
Н – общая сумма налогов и других платежей, определяемая в соответствии с
действующим законодательством [35, c. 69].
У пользователя затраты на программное средство складываются из
единовременных и эксплуатационных (текущих) затрат. Единовременные
затраты представляют собой расходы на приобретение программного средства
по рыночным ценам (себестоимость НИОКР, включая затраты на испытания,
отладку, доработку, приобретение специального оборудования и прибыль
организации-разработчика), транспортировку, монтаж (старого оборудования
демонтаж) и наладку нового оборудования, связанного с использованием
нового программного средства.
Эксплуатационные (текущие) затраты организации-пользователя состоят из
затрат на заработную плату по подготовке данных и анализу их обработки,
затраты на оплату времени работы вычислительных ресурсов, устройств
ввода-вывода, средств массовой памяти (магнитные диски и ленты),
коммуникационных средств, необходимых для выполнения функций программы,
затрат материалов и прочих затрат.
На основе технико-экономического анализа функциональных и конструктивных
особенностей создаваемого программного средства и источников
экономической эффективности определяются показатели, по которым
рассчитывается экономия всех видов ресурсов, оказывающих влияние на
величину экономического эффекта.
Таблица 3.1 – Исходные данные по разработанному программному средству
Наименование показателейБуквенные обозначенияЕдиницы
измеренияКоличе-ствоКоэффициент новизныКнЕдиниц1Группа
сложностиЕдиниц3Дополнительный коэффициент
сложностиКслЕдиниц0,18Поправочный коэффициент, учитывающий использование
типовых программКтЕдиниц1Наименование показателейБуквенные
обозначенияЕдиницы измеренияКоличе-ствоУстановленная плановая
продолжительность разработкиТртЛет0.5Годовой эффективный фонд
времениФэфДней230Продолжительность рабочего дняТчЧас8Оклад, месячныйТм
руб.450000Коэффициент премированияКпЕдиниц1,4Норматив дополнительной
заработной платыНзд%10Норматив заработной платы прочих
категорийНзп%50Ставка отчислений в фонд социальной защиты
населенияНсзс%35Норматив командировочных расходовНрнк%30Норматив прочих
затратНпз%20Норматив накладных расходовНрн%500Норматив на сопровождение
и адаптацию программного средстваНрса%10Ставка налога на добавленную
стоимостьНдс%18Норма амортизации вычислительной техникиНа%10Норма
расходов на сопровождение и адаптацию программного
средстваРса10Примечание: Источник: [48, c. 500], [31]
В разработке программного средства участвуют исполнители, перечисленные
в табл. 3.2.
Таблица 3.2 – Исполнители программного средства
ИсполнительТарифный разрядТарифный коэффициент, ТкПродолжительность
участия в разработке (дня)Начальник отдела238,073120Ведущий
программист153,48120Инженер-программист
категории143,25120Инженер-программист без категории122,84120Примечание:
Источник: Собственная разработка
Смета затрат на разработку программного средства включает следующие
статьи:
1) заработная плата исполнителей основная (Зо) и дополнительная (Зд),
руб.;
2) отчисления в фонд социальной защиты (ЗСз), руб.;
3) материалы (М), руб.;
4) спецоборудование (Рс), руб.;
5) машинное время (Рм), руб.;
6) расходы на научные командировки (Рнк), руб.;
7) прочие затраты (Рз), руб.;
8) накладные расходы (Рн), руб.
На основании сметы затрат рассчитывается себестоимость и отпускная цена
программного средства.
Сумма основной заработной платы рассчитывается на основе численности
специалистов, соответствующих тарифных ставок и фонда рабочего времени.
Причем численность специалистов, календарные сроки разработки программы
и фонд рабочего времени определяются экспертным путем или с
использованием укрупненных норм времени на разработку, создание и
сопровождение программного средства. Расчет трудоемкости программного
средства с использованием укрупненных норм времени осуществляется в
основном в крупных научно-технических организациях для решения сложных
задач программного обеспечения вычислительной техники. В мелких и
средних научно-технических организациях трудоемкость, численность
исполнителей и сроки разработки программного средства определяются
экспертным путем с использованием данных по базовым моделям. При
определении трудоемкости программного средства учитываются объем
программного средства (в условных машинных или исходных команд), объем
документации (строк), новизна и сложность программного средства, язык
программирования, степень использования типовых (стандартных) программ.
Объем программного средства определяется методом структурной аналогии по
соответствующим каталогам аналогов программ, которые постоянно
обновляются и утверждаются в установленном порядке. На основании
имеющейся информации о функциях разрабатываемого программного средства
определяется объем каждой функции для соответствующего типа ЭВМ. Затем
определяется тип разрабатываемого программного средства (по принятой
классификации в каталоге аналогов), уточняются объемы функций для
данного программного средства и определяется общий объем программного
средства. На основании общего объема (Vо) и нормативных данных
определяется нормативная трудоемкость с учетом группы сложности
программного средства (Тн). Рассчитывается общая уточненная трудоемкость
(ТОу) с учетом дополнительных коэффициентов сложности (КСл) в
зависимости от характеристик программного средства: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(3.5)
где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 – общий объем программного средства;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 – объем функций i-го программного средства;
n – общее число функций [54, c. 140].
Таблица 3.3 – Характеристика функций и их объем
Номер функцииСодержание функцийОбъем (условных маш. команд для
ПЭВМ)101Организация ввода информации200102Контроль, предварительная
обработка и ввод информации500111Управление вводом
информации1456204Обработка наборов и записей базы
данных1654205Обслуживание базы данных в пакетном
режиме1000208Организация поиска и поиск в базе данных1727210Загрузка
базы данных1498Примечание: Источник: Собственная разработка
Объем функций ПС с учетом коэффициентов: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 = 8035
На основании общего объема программного средства и его группы сложности
(3 группа) определяется нормативная трудоемкость (Тн =306 человеко-дней)
по таблицам.
С учетом дополнительного коэффициента сложности (КСл=0,2) рассчитывается
общая трудоемкость программного средства: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(3.6)
где
То – общая трудоемкость ПС;
Тн – нормативная трудоемкость ПС;
КСл – дополнительный коэффициент сложности ПС [54, c. 140].
То = 454,3
Трудоемкость программного средства по стадиям определяется с учетом
новизны и степени использования в разработке типовых программ и
программного средства
(picscalex127010009000003c900000002001c000000000005000000090200000000050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1,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 =1)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(3.7)picscalex1000100090000035100000000001200000000000500000009020000000
005000000020101000000050000000102ffffff00050000002e0118000000050000000b0
200000000050000000c02200220011200000026060f001a00ffffffff000010000000c0f
fffffa6ffffffe0000000c60100000b00000026060f000c004d617468547970650000500
00a00000026060f000a00ffffffff010000000000030000000000
где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- поправочный коэффициент, учитывающий степень
использования в разработке типовых (стандартных) программ;
picscalex127010009000003c900000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200220021200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffe0010000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0220ff0000000000009001000000cc0402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577910766a8040000002d01000008000000320ae0015f01
01000000ed791c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577910766a8040000002d0101000400
0000f001000008000000320a80014600010000004b790a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
00a8910766a800000a0021008a0100000000000000005cf31200040000002d0100000400
0000f0010100030000000000 – коэффициент, учитывающий степень новизны
программного средства;
picscalex127010009000003f500000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02600260021200000026060f001a00ffffffff000010000000c0ffffff
a6ffffff20020000060200000b00000026060f000c004d61746854797065000070001c00
0000fb0260ff0000000000009001000000000402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577410766cd040000002d01000008000000320a1802da01
0100000069791c000000fb0220ff0000000000009001000000cc0402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577410766cd040000002d0101000400
0000f001000008000000320ae0010f0102000000f1f21c000000fb0280fe000000000000
9001010000000402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020
f577410766cd040000002d01000004000000f001010008000000320a80013a0001000000
64f20a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000
bc02000000cc0102022253797374656d00cd410766cd00000a0021008a01000000000100
00005cf31200040000002d01010004000000f0010000030000000000 – удельный вес
трудоемкости i-ой стадии разработки ПС в общей трудоемкости разработки
ПС.
ТТз = 45,43 (чел.-дней)
ТТп = 40,887 (чел.-дней)
ТЭп = 36,344 (чел.-дней)
ТРп = 263,49 (чел.-дней)
ТВн = 68,145 (чел.-дней)
При решении сложных задач с длительным периодом разработки ПС общая
трудоемкость разбивается и корректируется по стадиям разработки
(техническое задание – ТЗ, эскизный проект – ЭП, технический проект –
ТП, рабочий проект – РП и внедрение – ВН) с учетом новизны, степени
использования типовых программ и удельного веса трудоемкости стадий
разработки программного средства в общей трудоемкости разработки
программного средства. На основании общей трудоемкости рассчитывается
уточненная трудоемкость с учетом распределения по стадиям (Ту):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(3.8)
Ту = 454,3 (чел.-дней)
На основании уточненной трудоемкости разработки программного средства и
установленного периода разработки (0,5 года) рассчитывается общая
плановая численность исполнителей Чр по формуле: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(3.9)
где
ТРд – установленная продолжительность разработки программного средства
(лет);
ФЭф – годовой эффективный фонд времени работы одного исполнителя;
Чр = 3,950434783 руб.
Расчет основной заработной платы исполнителей программного средства (Зо)
производится на основе исходных данных (табл. 3.1).
Определяем месячную и часовую тарифную ставку исполнителей: начальника
отдела (Тм1, Тч1), ведущего инженера (Тм2, Тч2), инженера-программиста
1-й категории (Тм3, Тч3), инженера-программиста без категории (Тм4, Тч4)
по формулам (3.10), (3.11):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(3.10)
где
Тм1 – месячная тарифная ставка 1-го разряда,
Тк – тарифный коэффициент, соответствующий установленному тарифному
разряду [54, c. 159].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(3.11)
где
197,8 -фонд рабочего времени при восьмичасовом рабочем дне.
Тм1 = 36328,5 руб.
Тч1 = 183,66 руб.
Тм2 = 15660,0 руб.
Тч2 = 79,17 руб.
Тм3 = 14625,0 руб.
Тч3 = 73,94 руб.
Тм4 = 12780,00 руб.
Тч4 = 64,61 руб.
Сумма основной заработной платы исполнителей (Зо) рассчитывается по
формуле (3.12):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(3.12)
i=1
где
n – количество исполнителей;
Тчi – часовая тарифная ставка i-го исполнителя;
Фэi – эффективный фонд рабочего времени i-го специалиста;
Тч – количество часов работы в день (часов);
Кп – коэффициент премирования [54, c. 163].
Зо = 1033961,86 руб.
Сумма дополнительной заработной платы (Зд) определяется в процентах к
основной (норматив дополнительной заработной платы Нд = 10%) по формуле: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(3.13)
Зд = 103396,19 руб.
Отчисления в фонд социальной защиты населения (ЗСз) определяется в
соответствии с действующими законодательными актами по нормативу в
процентном отношении к фонду основной и дополнительной зарплаты
исполнителей.
Сумма отчислений в фонд социальной защиты населения (ЗСз) определяется
по формуле:
picscalex128010009000003d001000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02e003600d1200000026060f001a00ffffffff000010000000c0ffffff
b8ffffff200d0000980300000b00000026060f000c004d617468547970650000c0001c00
0000fb02b5fde300000000009001000000020002001053796d626f6c0000a7070a9fd0f0
1200d89ff377e19ff3772020f577e5076690040000002d01000008000000320a5d02bf03
0100000028791c000000fb02b5fde300000000009001000000020002001053796d626f6c
00000c080ad3d0f01200d89ff377e19ff3772020f577e5076690040000002d0101000400
0000f001000008000000320a5d02c20801000000297908000000fa020000100000000000
0000040000002d0100000500000014020002f10905000000130200020c0d1c000000fb02
80fe0000000000009001000000000402001054696d6573204e657720526f6d616e00d89f
f377e19ff3772020f577e5076690040000002d01020004000000f001010009000000320a
8a034f0a03000000313030651c000000fb0220ff0000000000009001010000cc04020010
54696d6573204e657720526f6d616e00d89ff377e19ff3772020f577e507669004000000
2d01010004000000f001020008000000320ace01c00b02000000d1c708000000320ac002
de0701000000c4c708000000320ac002ee0401000000eec708000000320ac002fb000200
0000d1c71c000000fb0280fe0000000000009001010000cc0402001054696d6573204e65
7720526f6d616e00d89ff377e19ff3772020f577e5076690040000002d01020004000000
f001010008000000320a6e01170a02000000cde708000000320a6002010701000000c7e7
08000000320a6002300401000000c7e708000000320a6002400001000000c7e71c000000
fb0280fe0000000000009001000000020002001053796d626f6c00000c080ad5a0f11200
d89ff377e19ff3772020f577e5076690040000002d01010004000000f001020008000000
320a6002500901000000d7e708000000320a6002d605010000002be708000000320a6002
9302010000003de70a00000026060f000a00ffffffff0100000000001c000000fb021000
070000000000bc02000000cc0102022253797374656d0090e507669000000a0021008a01
0000000002000000bcf31200040000002d01020004000000f0010100030000000000
(3.14)
где
Нзсз – норматив отчислений в фонд социальной защиты (НЗсз=35%).
Зсз = 409448,90 руб.
Расходы по статье «Материалы» (М) определяются на основании сметы
затрат, разрабатываемой на программное средство, с учетом действующих
нормативов. По статье «Материалы» отражаются расходы на магнитные
носители, перфокарты, бумагу, красящие ленты и другие материалы,
необходимые для разработки программного средства. Нормы расхода
материалов в суммарном выражении (Нм) определяются в расчете на 100
машинных команд. Сумма затрат материалов рассчитывается по формуле: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(3.15)
где
Нм – норма расхода материалов в расчете на 100 команд программного
средства (руб.);
Vо – общий объем программного средства (условных машинных команд) [23,
c. 165].
М = 80350,00 руб.
Расходы по статье «Спецоборудование» (Рс) включают затраты средств на
приобретение типовых и изготовление вспомогательных специального
назначения технических и программных средств, необходимых для разработки
конкретного программного средства, включая расходы на их проектирование,
изготовление, отладку, установку и эксплуатацию. Сумма затрат по статье
«Спецоборудование» (Рс) определяется в соответствии со сметой расходов,
которая составляется перед разработкой программного средства. Так как
для разработки конкретного программного средства специальное
оборудование или специальные программы не приобретались, то расходы по
этой статье не определяются.
Расходы по статье “Машинное время” (Рм) включают оплату машинного
времени, необходимого для разработки и отладки программного средства,
которое определяется по нормативам (в машино-часах) на 100 команд (Нм в)
машинного времени в зависимости от характера решаемых задач и типа ПЭВМ,
определяются по формуле: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 (3.16)
где
Цм- цена одного машино-часа (руб);
Vо- общий объем программного средства (машинных команд);
Нм в – норматив расхода машинного времени на отладку 100 машинных команд
(машино-часов).
Рм = 142219,50 руб.
Расходы по статье “Научные командировки” (Рнк) определяются по смете
затрат на программное средство и включают расходы, связанные с
командировками для решения проблем разработки программного средства.
Определяются по формуле: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(3.17)
где
Нрнк – норматив расходов на командировки (Нрнк=30%).
Рнк = 310 185 руб.
Расходы по статье “Прочие затраты” (Пз) включают затраты на приобретение
и подготовку специальной научно-технической информации и специальной
литературы. Определяются по смете расходов на программное средство по
формуле: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 (3.18)
где
Нпз – норматив прочих затрат (Нпз=20%).
Пз = 206 566,69 руб.
Затраты по статье «Накладные расходы» (Рн), связанные с необходимостью
содержания аппарата управления, вспомогательных хозяйств и опытных
(экспериментальных) производств, а так же с расходами на
общехозяйственные нужды, относятся на программное средство по нормативу
(НРн) в процентном отношении к основной заработной плате исполнителей.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 (3.19)
где
НРн – норматив накладных расходов (НРн=500%).
Рн = 1033167,24 руб.
Общая сумма расходов рассчитывается по формуле: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 (3.20)
Ср= 3319295,4 руб.
Расходы на сопровождение и адаптацию программного средства (РСа)
определяются по формуле: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(3.21)
где
НрСа – норматив расходов на сопровождение и адаптацию (НрСа=10%).
РСа = 331929,5 руб.
Общая сумма расходов на разработку (с затратами на сопровождение и
адаптацию) как полная себестоимость программного средства (Сп)
определяется по формуле:
(3.22)
Сп = 3651224,9 руб.
Рентабельность и прибыль (П) по создаваемому программному средству
определяется исходя из результата анализа рыночных условий, переговоров
с заказчиком (потребителем), согласования с ним отпускной цены,
включающей дополнительно налог на добавленную стоимость и отчисления в
специальные фонды. Прибыль рассчитывается по формуле (3.23) [23, c.
100]:
picscalex1140100090000035801000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02000460081200000026060f001a00ffffffff000010000000c0ffffff
acffffff20080000ac0300000b00000026060f000c004d617468547970650000c0000800
0000fa0200001000000000000000040000002d0100000500000014022002d90505000000
1302200216081c000000fb0280fe0000000000009001000000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f5771a056629040000002d0101000900
0000320aae03c90503000000313030651c000000fb0220ff0000000000009001010000cc
0402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020f5771a056629
040000002d01020004000000f001010008000000320ada01210701000000d03008000000
320ae002240401000000cf301c000000fb0280fe0000000000009001010000cc04020010
54696d6573204e657720526f6d616e00d89ff377e19ff3772020f5771a05662904000000
2d01010004000000f001020008000000320a7a01e70501000000d33008000000320a8002
ff0201000000d13008000000320a80024c0001000000cf301c000000fb0280fe00000000
00009001000000020002001053796d626f6c00004c070a4ca0f11200d89ff377e19ff377
2020f5771a056629040000002d01020004000000f001010008000000320a800243050100
0000d73008000000320a8002db01010000003d300a00000026060f000a00ffffffff0100
000000001c000000fb021000070000000000bc02000000cc0102022253797374656d0029
1a05662900000a0021008a010000000001000000bcf31200040000002d01010004000000
f0010200030000000000
(3.23)
где
УР – уровень рентабельности создаваемого программного средства (УР=40%)
П = 1460490,0руб.
Отчисления в специальные фонды в жилфонд и фонд поддержки производителей
сельхозпродукции уплачиваются единым платежом и рассчитываются по
формуле:
picscalex1200100090000038801000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c020004c00b1200000026060f001a00ffffffff000010000000c0ffffff
a9ffffff800b0000a90300000b00000026060f000c004d617468547970650000c0000800
0000fa0200001000000000000000040000002d0100000500000014022002cb0305000000
13022002680b1c000000fb0280fe0000000000009001000000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577150566f9040000002d0101000800
0000320aae030a0901000000337909000000320aae035605030000003130306508000000
320a7d01a60a01000000333008000000320a7d01440901000000293008000000320a7d01
df030100000028301c000000fb0280fe0000000000009001000000020002001053796d62
6f6c000049060ac0a0f11200d89ff377e19ff3772020f577150566f9040000002d010200
04000000f001010008000000320aae03ea07010000002d3008000000320a7d010a0a0100
0000d73008000000320a7d01c806010000002b3008000000320a80029902010000003d30
1c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657720526f
6d616e00d89ff377e19ff3772020f577150566f9040000002d01010004000000f0010200
08000000320a7d010c0801000000cf3008000000320a7d015d0401000000d13008000000
320a8002460001000000c5301c000000fb0220ff0000000000009001010000cc04020010
54696d6573204e657720526f6d616e00d89ff377e19ff3772020f577150566f904000000
2d01020004000000f001010008000000320add01810501000000cf3008000000320ae002
520101000000cf300a00000026060f000a00ffffffff0100000000001c000000fb021000
070000000000bc02000000cc0102022253797374656d00f9150566f900000a0021008a01
0000000001000000bcf31200040000002d01010004000000f0010200030000000000
(3.24)
где
Еп – единый платеж в специальные фонды на поддержку жилфонда и
производителей с/х продукции, 3%
ЕП = 158094,3 руб.
Цена прогнозируемая без НДС (налога на добавленную стоимость)
определяется по формуле (3.25):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(3.25)
Ц = 5265066,4руб.
Налог на добавленную стоимость при ставке налога ННДС = 18%
рассчитывается по формуле (3.26):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(3.26)
НДС = 948565,7 руб.
Прогнозируемая «отпускная цена» ПС представляет собой сумму цены без НДС
и налога на добавленную стоимость: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 (3.27)
Цо = 6218374,8 руб.
Чистая прибыль или прибыль от реализации программного средства (Пч) за
вычетом налога с прибыли (Нп) в размере 24% остается
организации-разработчику программного средства и представляет собой
эффект от создания нового программного средства вычислительной техники.
Рассчитывается по следующей формуле: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 (3.28)
где
НП – налог на прибыль 24%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 608,5 руб.
Пч =1459881,4 руб.
Расчет экономического эффекта от применения программного средства у
пользователя приведены в таблице 3.4.
Таблица 3.4 – Исходные данные для расчета
Наименование показателя ОбозначенияЕд. изм.Значение показателя в
вариантебазовомновом12345Капитальные вложения пользователя в том числе
стоимость услуг по сопровождению и адаптации Кпр руб. 6218374,8Объем
работ выполняемый при решении одной задачи А0 100 ком.200Численность
программистов, занятых освоением и эксплуатацией ПСЧпэ,
ЧпоЧел. 4Продолжительность освоения ПС Тос Мес.2Расход машинного времени
при освоении ПС Тмос
Ч.70Среднемесячная заработная плата одного
программиста Зсм руб350016000Средняя трудоемкость отладки Тс1,
Тс2Чел.- час1,00,2Коэффициент начислений на заработную платуКнз
Ед.22Окончание таблицы 3.412345Среднемесячное количество рабочих
днейДрДень2222Цена одного часа работы у организации пользователяЦм
руб.50200Средний расход машинного времени на отладку программ в расчете
на 100 командМв1,Мв2Ч/100 ком.0,080,05Средний расход материалов у
пользователя в расчете на 100 командМт1,
Мт2 руб.16,40,8Нормативный коэффициент эффективности капвложений,
определенный предприятиемЕнвтЕд.0,400,40Количество часов работы в
деньТчЧ88Затраты на пополнение оборотных средств Коб
4000040000Затраты на доукомплектование ВТ техническими средствамиКтс
руб400000400000Количество типовых задач решаемых за
годЗт2Задач360360Ставка налога на прибыльНп ?%24Примечание: Источник:
Собственная разработка на основании использования данных источника [31]
Общие капитальные вложения заказчика (потребителя) программного
средства, связанные с его приобретением, внедрением и использованием
рассчитываются по формуле: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(3.29)
где
КПр – затраты на приобретение и сопровождение программного средства
(руб);
КОс – капитальные вложения на освоение программного средства (руб.),
вычисляются по формуле: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(3.30)
КОс = 398 000,00 руб.;
где
КТс – затраты на доукомплектование вычислительной техники техническими
средствами (руб.);
КПр = Цо = 6218374,8 руб.,
Ко = 7056375 руб.
Экономия затрат на заработную плату при использовании нового
программного средства (Эз) в расчете на объем выполненных работ
определяется по формуле: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(3.31)
где
ЭЗе – экономия затрат на заработную плату при решении задач с
использованием нового программного средства в расчете на 100 команд
(руб.), рассчитывается по формуле: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(3.32)
где
ЗСм – среднемесячная зарплата одного программиста (руб.);
Тч – количество часов работы в день;
Т1с,Т2с – снижение трудоемкости работ в расчете на 100 машинных команд
(человеко-дней);
Др – среднемесячное количество рабочих дней;
А2 – объем выполненных работ с использованием нового программного
средства (100 команд) [35, c. 66].
Определяется по формуле: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 (3.33)
где
ЗТ2 – количество типовых задач, решаемых за год (задач).
ЭЗе = 72,73 руб.,
А2 = 72 000,00 руб.,
Эз = 5236363,64 руб.,
Экономия затрат за счет сокращения начислений на заработную плату (ЭОз)
при коэффициенте начислений заработной платы (КНз) равном 2,0
определяется по формуле: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(3.34)
ЭОз = 10472727,27 руб.,
Экономии затрат на оплату машинного времени (Эм) при использовании
нового программного средства в расчете на выполненный объем работ: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 (3.35)
где
ЭМе – экономия затрат на оплату машинного времени при решении задач с
использованием нового программного средства в расчете на 100 команд
(руб.). Определяется следующим образом: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(3.36)
где
Цм – цена одного машино-часа работы ЭВМ (руб.);
ТВ1, ТВ2 – средний расход машинного времени в расчете на 100 команд при
применении программного средства (машино-часов);
ЭМе = 6 руб.,
Эм = 432000,00 руб.,
Экономия затрат на материалы (ЭМт) при использовании программного
средства в расчете на объем выполненных работ: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(3.37)
где
ЭМте – экономия затрат на материалы при использовании программного
средства в расчете на 100 команд (руб.). Рассчитывается следующим
образом: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 (3.38)
где
МТ1,МТ2 средний расход материалов у пользователя в расчете на 100 команд
(руб.).
ЭМте = 15,60 руб.,
ЭМт = 1123200,00 руб.,
Общая годовая экономия текущих затрат, связанных с использованием
программного средства (Эо):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(3.39)
Эо = 17264290,91 руб.,
Внедрение нового программного средства позволит пользователю сэкономить
на текущих затратах 17264290,91 руб. Для пользователя в качестве
экономического эффекта выступает лишь чистая дополнительная прибыль,
оставшаяся в его распоряжении (dПч), которая определяется по формуле: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(3.40)
где
Нп – ставка налога на прибыль (Нп=24%).
dПч = 13120861 руб.,
Расчетный коэффициент эффективности капитальных вложений на внедрение
программного средства:
picscalex1000100090000032b01000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02600420061200000026060f001a00ffffffff000010000000c0ffffff
a5ffffffe0050000050400000b00000026060f000c004d617468547970650000f0000800
0000fa0200001000000000000000040000002d0100000500000014022002ac0305000000
13022002de051c000000fb0220ff0000000000009001010000cc0402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577c2056689040000002d0101000800
0000320a0c04f10401000000ce7908000000320ae101d90401000000ce7908000000320a
e002480101000000d0791c000000fb0280fe0000000000009001010000cc040200105469
6d6573204e657720526f6d616e00d89ff377e19ff3772020f577c2056689040000002d01
020004000000f001010008000000320aac03d20301000000ca7908000000320a8101de03
01000000dd7908000000320a8002460001000000c5791c000000fb0280fe000000000000
9001000000020002001053796d626f6c0000d7050a70a0f11200d89ff377e19ff3772020
f577c2056689040000002d01010004000000f001020008000000320a80026e0201000000
3d790a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000
bc02000000cc0102022253797374656d0089c205668900000a0021008a01000000000200
0000bcf31200040000002d01020004000000f0010100030000000000
(3.41)
Ер = 2,45
Расчетный коэффициент эффективности (Ер) выше нормативного (Ен), 2,45 >
0,4, т.е. Ер > Ен. Следовательно, внедрение нового программного средства
экономически оправдано.
Разработанное программное средство позволяет обеспечить такие
технико-экономические параметры, как:
1) сокращение трудоемкости управленческих расчетов;
2) снижение расходов на материалы (магнитные диски и прочие материалы);
3) экономия машинного времени;
4) сокращение расходов на оплату машинного времени и других ресурсов;
5) сокращение сроков разработки автоматизированной системы;
6) повышение оперативности и точности решения задач.
Все затраты на новое программное средство полностью окупятся на первом
году их использования.
Заключение
В результате изучения теоретических аспектов дипломной работы автором
сделаны следующие выводы.
1. Валютными операциями считаются:
– сделки с использованием иностранной валюты, ценных бумаг в иностранной
валюте, платежных документов в иностранной валюте;
– сделки между резидентами и нерезидентами с использованием белорусских
рублей, ценных бумаг в белорусских рублях;
– сделки между нерезидентами с использованием белорусских рублей, ценных
бумаг в белорусских рублях, совершаемые на территории Республики
Беларусь;
– ввоз-вывоз, пересылка в/из РБ валютных ценностей;
– международные банковские переводы;
– операции нерезидентов с белорусскими рублями по счетам и вкладам в
банковских учреждениях, не влекущие перехода права собственности на эти
белорусские рубли;
– операции с иностранной валютой по счетам и вкладам в банковских
учреждениях за пределами Республики Беларусь, не влекущие перехода права
собственности на эту иностранную валюту.
2. Валютные операции проводятся на основании выданных Национальным
банком лицензий. Для проведения валютных операций банк должен быть
оснащен специальными помещениями и техническими средствами.
3. Операции с иностранной валютой регулируются законодательно на
основании нормативных актов о валютном регулировании. Валютное
регулированием представляет собой формы организации денежных потоков и
оттоков валютного капитала.
В результате проведенного анализа валютных операций на примере отделения
ОАО «Белагропромбанк» автором сделаны следующие выводы:
1. В результате открытия третьей валютной кассы отделением ОАО
«Белагропромбанк» и улучшения экономической ситуации в стране обороты по
покупке и продаже иностранной валюты имеют тенденцию к увеличению, что в
свою очередь прямо влияет на увеличение прибыли отделения от проведения
данных операций.
2. Основным источником привлечения денежных средств в иностранной валюте
являются валютные средства от вкладов и депозитов физических лиц.
3. Основными направлениями расходования валютных ресурсов является
кредитование юридических лиц, кредитование населения и межфилиальные
расчеты.
4. В связи с повышением спроса на кредитные средства со стороны
населения и юридических лиц и дефицитом кредитных ресурсов возрастают
процентные ставки по размещенным валютным ресурсам.
5. Рост ставок по срочным депозитам объясняется заинтересованностью
Банка в дополнительном привлечении иностранной валюты и желанием
заинтересовать вкладчиков в привлечении средств на длительное время.
6. Разница в процентных ставках между привлеченными и размещенными
ресурсами в иностранной валюте в 1 квартале 2006г. снижается по
сравнению с аналогичным периодом прошлого года. Снижение объясняется
ростом процентных ставок по валютным кредитам в 1 квартале 2006г.
В результате изучения проблем совершенствования проведения валютных
операций сделаны следующие предложения:
1. Совершенствование механизма функционирования валютного рынка в целом.
2. Совершенствование функционирования рынка наличной иностранной
валюты: банку обеспечить наличие собственных валютных ресурсов в
достаточном объеме, расширить сеть обменных пунктов, создать модульное
программное обеспечение банка.
Реализация данных направлений позволит банку увеличить
производительность труда работников, сократить время совершения и
оформления банковской операции, повысить прибыльность работы, а
следовательно, и повысить свой рейтинг и имидж.
Список использованных источников
1. Банковский кодекс Республики Беларусь от 25.10.2000 № 441-3.
2. Постановление Правления Национального Банка Республики Беларусь от
28.06.2004 № 92 «Об утверждении инструкции об экономических нормативах
для банков и небанковских кредитно-финансовых организаций».
3. Постановление Министерства финансов Республики Беларусь, Министерства
экономики Республики Беларусь, Министерства статистики и анализа
Республики Беларусь от 14.05.2004. №81/128/65 «Об утверждении инструкции
по анализу и контролю за финансовым состоянием и платежеспособностью
субъектов предпринимательской деятельности».
4. Постановление Совета Министров Республики Беларусь и Национального
банка Республики Беларусь от 26.06.2002 № 1007/20 «Об утверждении
программы мероприятий по реализации концепции развития банковской
системы Республики Беларусь на 2001-2010 годы».
5. Постановлением Совета Министров Республики Беларусь и Национального
банка Республики Беларусь от 23.05.2002 № 661/13 «Положение об
организации и проведении рейтинговой оценки деятельности банков,
зарегистрированных на территории Республики Беларусь».
6. Постановление Правления Национального банка Республики Беларусь от
26.08.2004 №135 «Об утверждении форм отчетности и Инструкции о порядке
составления банками и небанковскими кредитно-финансовыми организациями
пруденциальной отчетности и ее представления в Национальный банк
Республики Беларусь».
7. Постановление правления Национального банка Республики Беларусь от
24.05.2001 №118 «Об утверждении Правил выпуска и обращения депозитных и
сберегательных сертификатов».
8. Постановление правления Национального банка Республики Беларусь от
29.03.2001 №75 «Об утверждении Правил гарантирования возврата
привлекаемых банками средств физических лиц».
9. Постановление правления Национального банка Республики Беларусь от
30.12.2003 № 226 «Об утверждении инструкции о порядке предоставления
(размещения) банками денежных средств в форме кредита и их возврата».
10. Постановление правления Национального банка Республики Беларусь от
19.02.2001 №33 «Об утверждении Правил формирования и использования
специального резерва на покрытие возможных убытков по активам банка,
подверженным кредитному риску».
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ПРИЛОЖЕНИЕ А
Наименование валютыБуквенное обозначениеКод валютыПериодичность
установления Группа первая – свободно
конвертируемые валютыАвстралийский долларAUD036ЕжедневноАвстрийский
шиллингATS040_Английский фунт стерлинговGBP826_Бельгийский
франкBE056-Венгерский форинтHUF348ЕжемесячноГреческая
драхмаGRD300ЕжедневноДатская кронаDKK208-Доллар
СШАUSD840-ЕвроEUR978-Израильский шекельILS376ЕжемесячноИрландский
фунтIEP372ЕжедневноИсландская кронаISK352-Канадский
долларCAD124-Люксембургский франкLUF442-Нидерландский
гульденNLG528-Новозеландский долларNZD554ЕжемесячноНорвежская
кронаNOK578ЕжедневноПольский злотыйPLN616-Португальское
эскудоPTE985-Турецкая лираTRL792-Финляндская маркаFIM46-Французский
франкFRF250-Чешская кронаCZK203-Шведская кронаSEK752-Швейцарский
франкCHF756-Японская ЙенаJPY392- Группа вторая –
ограниченно конвертируемые валютыАзербайджанский
манатAZM031ЕжемесячноАлбанский лекALL008-Алжирский
динарDZD012-Аргентинское песоARS032-Армянский драмAMD0581-Афганские
афгали AFA004-Бразильский реалBRL986ЕжемесячноВьетнамский
донгVND704-Грузинский лариGEL981-Продолжение ПРИЛОЖЕНИЯ А
Дирхам ОАЭAED784-Египетский фунтEGP818-Индийская рупияINR356-Иорданский
динарJOD400-Иракский динарIQD368-Иранский реалIRR364-Казахский
тенгеKZT398ЕжедневноКенийский шиллингKES404ЕжемесячноКипрский
фунтCYP196-Китайский юаньCNY156-Колумбийское песоCOP170-Кувейтский
динарKWD414ЕжедневноКыргыский сомKGS417-Лаосский
кипLAK418ЕжемесячноЛатвийский латLVL428ЕжедневноЛиванский
фунтLBP422ЕжемесячноЛивийский динарLYD434-Литовский
литLTL440ЕжедневноМарокканский дирхамMAD504ЕжемесячноМексиканское новое
песоMXN484-Монгольский тугрикMNT496-Молдавский
лейMDL498ЕжедневноНепальская рупияNPR524ЕжемесячноНигерийская
найраNGN566-Пакистанская рупияPKR586ЕжемесячноПеруанский новый
сольREN604-Российский рубльRUB643ЕжедневноРумынский
лейROL642ЕжемесячноСаудовский реалSAR682-Сирийский
фунтSYP760-Сингапурский долларSGD702ЕжедневноСловацкая
кронаSKK703ЕжемесячноСловенский толарSIT705-Суданский
динарSDD736-Таджикский сомониTJS972-Таиландский батTHB764-Тайваньский
новый долларTWD901-Тунисский динарTND788-Туркменский
манатTMM795-Украинская гривнаUAN980ЕжедневноУзбекский
сумUZS860ЕжемесячноУругвайское песоUYU858-Филиппинское
песоPHP608-Чилийское песоCLP152-Шри-Ланкийская рупияLKR144-Эстонская
кронаEEK233ЕжедневноЭфиопский бырETB230ЕжемесячноЮгославский
динарUM891-Южноафриканский рандZAR710-Южнокорейская вонаKRW410-
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