{"id":13233,"date":"2020-05-21T13:10:18","date_gmt":"2020-05-21T11:10:18","guid":{"rendered":"https:\/\/zugimpex.com\/ro\/?page_id=13233"},"modified":"2023-11-23T15:48:09","modified_gmt":"2023-11-23T13:48:09","slug":"deschiderea-unui-cont-bancar","status":"publish","type":"page","link":"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar","title":{"rendered":"Deschiderea unui cont bancar"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6639dc0dafdf5\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #aa0000;color:#aa0000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #aa0000;color:#aa0000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-6639dc0dafdf5\"  type=\"checkbox\" id=\"item-6639dc0dafdf5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#Cate_banci_si_institutii_financiare_exista\" title=\"C\u00e2te b\u0103nci \u0219i institu\u021bii financiare exist\u0103?\">C\u00e2te b\u0103nci \u0219i institu\u021bii financiare exist\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#De_ce_exista_dificultati_in_a_deschide_un_cont_bancar\" title=\"De ce exist\u0103 dificult\u0103\u021bi \u00een a deschide un cont bancar:\">De ce exist\u0103 dificult\u0103\u021bi \u00een a deschide un cont bancar:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#Expertiza_Zugimpex\" title=\"Expertiza Zugimpex:\">Expertiza Zugimpex:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#Cerere_pentru_deschiderea_unui_cont_bancar\" title=\"Cerere pentru deschiderea unui cont bancar:\">Cerere pentru deschiderea unui cont bancar:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#Asistenta_in_relatiile_in_curs_cu_bancile\" title=\"Asisten\u021b\u0103 \u00een rela\u021biile \u00een curs cu b\u0103ncile\">Asisten\u021b\u0103 \u00een rela\u021biile \u00een curs cu b\u0103ncile<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zugimpex.com\/ro\/deschiderea-unui-cont-bancar\/#Cinci_reguli_generale_in_ceea_ce_priveste_bancile_si_IEE\" title=\"Cinci reguli generale \u00een ceea ce prive\u0219te b\u0103ncile \u0219i IEE:\">Cinci reguli generale \u00een ceea ce prive\u0219te b\u0103ncile \u0219i IEE:<\/a><\/li><\/ul><\/nav><\/div>\n<p>Majoritatea companiilor au nevoie de unul sau mai \u00a0multe conturi opera\u021bionale cu num\u0103r IBAN pentru a-\u0219i gestiona afacerea \u0219i, odat\u0103 cu cre\u0219terea sumelor de pl\u0103\u021bi online, au nevoie, de obicei, de servicii bancare mobile banking \u0219i de un card de debit.<\/p>\n<p>Deschiderea unui cont bancar \u0219i abordarea conformit\u0103\u021bii institu\u021biilor financiare (b\u0103nci, institu\u021bii emitente de moned\u0103 electronic\u0103 (IEM)sau prestatori de pl\u0103\u021bi) a devenit \u00a0una dintre cele mai mari provoc\u0103ri \u00een interna\u021bionalizare. Cu toate acestea, adesea \u00a0clien\u021bii aplic\u0103 doar de c\u00e2teva ori sau nu au informa\u021bii despre s\u0103 se ocupe de b\u0103nci. Pentru a v\u0103 ajuta profesional,compania noastra este \u00een contact cu \u00a0multe \u00a0b\u0103nci autorizate \u0219i IM-uri pentru a \u00een\u021belege cerin\u021bele acestora, apetitul lor pentru risc \u0219i procedurile tehnice.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cate_banci_si_institutii_financiare_exista\"><\/span><strong><span style=\"color: #aa0000;\">C\u00e2te b\u0103nci \u0219i institu\u021bii financiare exist\u0103?<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>P\u00e2n\u0103 la sf\u00e2r\u0219itul anului 2020 existau aproximativ 6000 de b\u0103nci cu aproximativ 160000 de sucursale care operau \u00een UE \u0219i existau peste 1000 de b\u0103nci suplimentare \u00een \u021b\u0103rile din apropiere, altele dec\u00e2t UE, ar fi Elve\u021bia, Liechtenstein, Muntenegru, Serbia, Ucraina \u0219i Rusia. Din diferite motive num\u0103rul b\u0103ncilor din UE a sc\u0103zut cu aproximativ 30 % din 2008.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"De_ce_exista_dificultati_in_a_deschide_un_cont_bancar\"><\/span><strong><span style=\"color: #aa0000;\">De ce exist\u0103 dificult\u0103\u021bi \u00een a deschide un cont bancar:<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen primul r\u00e2nd, licen\u021bierea: organismele guvernamentale na\u021bionale \u0219i institu\u021biile interna\u021bionale acord\u0103 licen\u021be bancare \u0219i reglementeaz\u0103 sectorul. Fiind sub presiune din partea organiza\u021biilor interna\u021bionale precum GAFI de la OCDE, acestea instaleaz\u0103 legisla\u021bia na\u021bional\u0103 \u00eempotriva sp\u0103l\u0103rii banilor \u0219i o pun \u00een aplicare, guvernele \u00eembun\u0103t\u0103\u021besc resursele autorit\u0103\u021bilor de reglementare financiar\u0103 \u0219i procedurile de raportare pentru tranzac\u021biile suspecte.<\/p>\n<p>\u00cen ultimul deceniu, guvernele au aflat c\u0103 puterea lor de acordare a licen\u021belor le permite s\u0103 creasc\u0103 veniturile fiscale \u0219i s\u0103 primeasc\u0103 \u00a0informa\u021bii utile pentru a controla ratele dob\u00e2nzilor \u0219i \u00a0activit\u0103\u021bile economice.<\/p>\n<p>Configura\u021bia teoretic\u0103 a autorit\u0103\u021bilor na\u021bionale de reglementare respect\u0103 principiile democratice (separarea legisla\u021biei, a execu\u021biei \u0219i a jurisdic\u021biei), dar de fapt ele pot exercita o putere care nu poate fi g\u0103sit\u0103 dec\u00e2t \u00een dictaturi. Autorit\u0103\u021bile de reglementare pot emite sanc\u021biuni nu numai pentru asisten\u021ba \u00een domeniul sp\u0103l\u0103rii banilor, ci \u0219i pentru nerespectarea normelor \u0219i pentru lipsa controalelor. \u00cen cazul \u00een care o autoritate de reglementare decide s\u0103 \u00eenghe\u021be fondurile \u0219i s\u0103 numeasc\u0103 o &#8222;persoan\u0103 competent\u0103&#8221; pentru a controla afacerile unei b\u0103nci, firmele mari de audit se pot bucura de un &#8222;pr\u00e2nz gratuit&#8221; pentru a percepe taxe care sunt garantate cu activele \u00eenghe\u021bate.<\/p>\n<p>Deci, conducerea b\u0103ncilor este sub presiune \u0219i for\u021bat\u0103 s\u0103 evite riscul.<\/p>\n<p>\u00cen al doilea r\u00e2nd, nu exist\u0103 nicio obliga\u021bie de a contracta : un cont bancar este o infrastructur\u0103 necesar\u0103 at\u00e2t pentru companii, c\u00e2t \u0219i pentru persoanele fizice, majoritatea guvernelor nu impun obliga\u021bia de a contracta institu\u021biilor licen\u021biate. O astfel de obliga\u021bie de a contracta este obi\u0219nuit\u0103 pentru al\u021bi furnizori de infrastructur\u0103 (de exemplu, energie electric\u0103, ap\u0103, telecomunica\u021bii), ace\u0219tia sunt obliga\u021bi s\u0103 \u00eencheie un contract cu fiecare persoan\u0103 sau companie care este dispus\u0103 s\u0103 accepte condi\u021biile generale \u0219i s\u0103 pl\u0103teasc\u0103 taxele.<\/p>\n<p>\u00cen al treilea r\u00e2nd, b\u0103ncile au apetit diferit pentru risc, care variaz\u0103, de asemenea, \u00een timp, \u00een func\u021bie \u00een principal de portofoliul lor actual \u0219i de cazurile reale. De asemenea, au abord\u0103ri diferite pentru a evalua riscul, \u00een special riscul industriilor, al \u021b\u0103rilor, al companiilor cu conducere rezident\u0103 \u0219i al societ\u0103\u021bilor nerezidente.<\/p>\n<p>\u00cen al patrulea r\u00e2nd, tranzac\u021biile de plat\u0103 interna\u021bionale au loc prin intermediul b\u0103ncilor corespondente care sunt la fel de bine reglementate. Prin urmare, b\u0103ncile trebuie s\u0103 aib\u0103 grij\u0103 de mai multe b\u0103nci corespondente \u0219i s\u0103 ia \u00een considerare apetitul lor pentru risc.<\/p>\n<p>\u00cen al cincilea r\u00e2nd, b\u0103ncile ca clientii care au nevoie de \u00eemprumuturi sau de gestionare a activelor de cump\u0103rare , \u00een timp ce conturile bancare ale companiei cu numerar lichid nu sunt generatoare de profit de mult pentru ei. Pia\u021ba ofer\u0103 b\u0103ncilor op\u021biunea de a alege \u00eentre cerere.<\/p>\n<p>Cu toate acestea, \u00een timp ce toate institu\u021biile caut\u0103 &#8222;clien\u021bi ideali&#8221; similari, aceast\u0103 pia\u021b\u0103 este competitiv\u0103, dar b\u0103ncile trebuie s\u0103 genereze \u00een continuare profit. Unii se specializeaz\u0103 pe pie\u021bele de ni\u0219\u0103 \u0219i accept\u0103 anumite grupuri de clien\u021bi \u00eempotriva unor comisioane mai mari, care sunt v\u0103zute ca un risc ridicat de c\u0103tre alte b\u0103nci.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Expertiza_Zugimpex\"><\/span><strong><span style=\"color: #aa0000;\">Expertiza Zugimpex:<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Echipa noastr\u0103 respect\u0103 \u00een mod constant cadrul legal \u00een diferite \u021b\u0103ri \u0219i activit\u0103\u021bile curente ale b\u0103ncilor prin contact direct, precum \u0219i datorit\u0103 clien\u021bilor no\u0219tri. Prin urmare, suntem la curent cu serviciile financiare, cerin\u021bele, procedurile de onboarding \u0219i nivelurile de acceptare.<\/p>\n<p>Asist\u0103m la definirea cerin\u021belor bancare ale clien\u021bilor. Aceasta include servicii bancare online cu IBAN \u00een mai multe valute cu pl\u0103\u021bi SEPA, carduri de credit \u0219i debit, dar \u0219i gateway-uri de plat\u0103 \u0219i integrare API pentru a desc\u0103rca extrase de cont \u00een format CSV sau XLS. \u00cen plus, mul\u021bi clien\u021bi au nevoie de instrumente adecvate pentru administrarea activelor, iar altele necesit\u0103 finan\u021bare. Rezultatul este o list\u0103 a b\u0103ncilor sau institu\u021biilor monetare.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cerere_pentru_deschiderea_unui_cont_bancar\"><\/span><strong><span style=\"color: #aa0000;\">Cerere pentru deschiderea unui cont bancar:<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La fel ca cautarea unui loc de munc\u0103, acest proces are nevoie de timp \u0219i r\u0103bdare. Adesea, probabilitatea de a fi acceptat de o banc\u0103 este mai mic\u0103 de 20%, astfel \u00eenc\u00e2t este necesar un timp nou \u0219i sprijinul angaja\u021bilor pentru a depune o cantitate suficient\u0103 de cereri. Pentru a crea un proces de \u00eenv\u0103\u021bare, v\u0103 recomand\u0103m s\u0103 planifica\u021bi cel pu\u021bin 3 runde cu 4 aplica\u021bii fiecare. La sf\u00e2r\u0219itul procesului vor fi deschise cel pu\u021bin 2 conturi bancare, pentru c\u0103 nu \u0219tii niciodat\u0103 c\u00e2nd o banc\u0103 \u00ee\u021bi trimite brusc o scrisoare de reziliere f\u0103r\u0103 ra\u021bionament.<\/p>\n<p>Pentru a preg\u0103ti procesul de aplicare, am colectat informa\u021bii relevante despre activit\u0103\u021bile, tranzac\u021biile, cerin\u021bele, \u0219i persoanele:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Identitatea clientului (documente,factura de utilitati, dovada reziden\u021bei, trecut)<\/li>\n<li>Sursa fondurilor, \u00een unele cazuri surs\u0103 de bog\u0103\u021bie<\/li>\n<li>Activit\u0103\u021bile planificate \u0219i structura acestora(clare, rezonabile, u\u0219or de \u00een\u021beles)\n<ul style=\"list-style-type: circle;\">\n<li>Principalele activit\u0103\u021bi<\/li>\n<li>Clien\u021bi \u0219i furnizori principali<\/li>\n<li>Pl\u0103\u021bi primite \u0219i efectuate: \u021b\u0103ri, sume totale, sume unice<\/li>\n<li>Sume planificate: interval rezonabil, dar nu prea sc\u0103zut, astfel \u00eenc\u00e2t activit\u0103\u021bile viitoare s\u0103 r\u0103m\u00e2n\u0103 \u00een domeniul de aplicare<\/li>\n<\/ul>\n<\/li>\n<li>Informa\u021bii despre societate (de exemplu, dac\u0103 obiectul din registrul comer\u021bului creeaz\u0103 un &#8222;risc ridicat&#8221; pentru b\u0103nci)<\/li>\n<li>Verificarea site-ului: profesional, securitate (https), amprenta, con\u021binutul corespunde aplica\u021biei planificate<\/li>\n<\/ul>\n<p>Apoi, facem o scurt\u0103 verificare &#8222;OSINT&#8221; (open source intelligence) pe internet \u0219i \u00een diferite baze de date. Astfel, putem informa clien\u021bii \u00eenainte de a-\u0219i depune cererea cu privire la departamentele de conformitate ale b\u0103ncilor vor vedea dac\u0103 \u00ee\u0219i fac cercet\u0103rile.<\/p>\n<p>Pe baza informa\u021biilor \u0219i a OSINT, putem simula evaluarea riscurilor:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>riscul clientului: tipul clientului, industriile<\/li>\n<li>riscul geografic (pe baza listelor publicate)<\/li>\n<li>riscul de produs-serviciu (de exemplu, industria cu risc ridicat sau cu risc sc\u0103zut)<\/li>\n<li>riscul de interfa\u021b\u0103 (\u00een cazul \u00een care clientul este prezent sau ofer\u0103 interviuri video adecvate)<\/li>\n<\/ul>\n<p>Cu aceste informa\u021bii \u00een m\u00e2n\u0103, ajut\u0103m clien\u021bii s\u0103 creeze o list\u0103 scurt\u0103 \u0219i s\u0103 aplice la diferite b\u0103nci pentru a deschide un cont. Estim\u0103m probabilitatea de a ob\u021bine un cont deschis \u0219i, pe baza acestei estim\u0103ri, v\u0103 recomand\u0103m s\u0103 ave\u021bi o \u0219ans\u0103 mare dea ob\u021bine cel pu\u021bin dou\u0103 conturi deschise la timp.<\/p>\n<p>\u00cen plus, clien\u021bii sunt informa\u021bi \u00een avans cu privire la taxa de deschidere, taxa de conformitate \u0219i costurile curente ale b\u0103ncilor. Pentru conturile curente \u0219i serviciile bancare de zi cu zi, clien\u021bii se pot a\u0219tepta la o calitate standard, cu toate acestea, \u00een conformitate cu termenii lor, institu\u021biile au o structur\u0103 diferit\u0103 a taxelor. \u00cen alte domenii, ar fi brokerii online, serviciile de investi\u021bii \u0219i furnizorii de pl\u0103\u021bi, exist\u0103 diferen\u021be uria\u0219e \u0219i este important s\u0103 se g\u0103seasc\u0103 o solu\u021bie care s\u0103 se potriveasc\u0103 cerin\u021belor.<\/p>\n<p>V\u0103 rug\u0103m s\u0103 re\u021bine\u021bi c\u0103 Zugimpex r\u0103m\u00e2ne independent, nu ac\u021bioneaz\u0103 ca un introduc\u0103tor \u0219i, prin urmare, poate consilia clien\u021bii \u00een interesul lor.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Asistenta_in_relatiile_in_curs_cu_bancile\"><\/span><strong><span style=\"color: #aa0000;\">Asisten\u021b\u0103 \u00een rela\u021biile \u00een curs cu b\u0103ncile<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pentru a minimiza problemele din tranzac\u021biile \u00een curs, v\u0103 recomand\u0103m:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>s\u0103 ave\u021bi la dispozi\u021bie o copie a cererii \u0219i s\u0103 va asigura\u021bi c\u0103 transferurile sunt \u00een conformitate cu informa\u021biile furnizate acolo (valoarea total\u0103 a cifrei de afaceri, volumul tranzac\u021biilor individuale, \u021b\u0103ri etc.). Informa\u021bi banca \u00een caz de varia\u021bii \u00een avans cu motive \u00eentemeiate, documentate (de exemplu, ordine nou\u0103).<\/li>\n<li>s\u0103 ave\u021bi toate documentele \u00een vigoare \u00eenainte de a efectua un transfer: factur\u0103 \u0219i acorduri<\/li>\n<li>expeditorul \u0219i destinatarul pl\u0103\u021bii trebuie s\u0103 corespund\u0103 \u00eentotdeauna contractului \u0219i facturii. In caz contrar, trebuie sa existe un contract de cesiune.<\/li>\n<li>evita\u021bi plata de la companii c\u0103tre persoane fizice, cu excep\u021bia salariilor<\/li>\n<li>evita\u021bi roll-ul tranzac\u021biilor (pl\u0103\u021bi \u00een \u0219i \u00een avans f\u0103r\u0103 marj\u0103 rezonabil\u0103)<\/li>\n<li>\u00een cazul \u00een care exist\u0103 un contract de \u00eemprumut, pl\u0103\u021bile de dob\u00e2nd\u0103 \u00een curs trebuie efectuate \u00een mod corespunz\u0103tor, deoarece acest lucru poate fi verificat mai t\u00e2rziu<\/li>\n<\/ul>\n<p>P\u0103stra\u021bi un contact bun cu banca, mai ales \u00een urm\u0103toarele situa\u021bii:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>modific\u0103ri ale societ\u0103\u021bii (ac\u021bionari, administratori)<\/li>\n<li>probleme de conectare la servicii bancare online<\/li>\n<li>carduri care nu func\u021bioneaz\u0103 sau pierdute<\/li>\n<li>probleme cu pl\u0103\u021bile \u00een sine (de exemplu, poate fi necesar s\u0103 se informeze banca s\u0103 utilizeze o anumit\u0103 banc\u0103 de coresponden\u021b\u0103)<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cinci_reguli_generale_in_ceea_ce_priveste_bancile_si_IEE\"><\/span><strong><span style=\"color: #aa0000;\">Cinci reguli generale \u00een ceea ce prive\u0219te b\u0103ncile \u0219i IEE:<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 12pt;\"><strong>1. S\u0103 \u0219ti\u021bi cum sunt reglementate b\u0103ncile (IEE) \u0219i ce trebuie s\u0103 fac\u0103:<\/strong><\/span><\/p>\n<p>Autorit\u0103\u021bile pie\u021bei financiare public\u0103 pe site-urile lor un cadru juridic \u00een \u021b\u0103rile lor. Este rezonabil s\u0103 se cunoasc\u0103 cerin\u021bele minime na\u021bionale pe care o banc\u0103 trebuie s\u0103 le \u00eendeplineasc\u0103 \u0219i s\u0103 se preg\u0103teasc\u0103 documenta\u021bia \u00eenainte de a se apropia de o institu\u021bie financiar\u0103 reglementat\u0103.<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Institu\u021biile financiare trebuie s\u0103 defineasc\u0103 cerin\u021be suplimentare pentru cazurile \u00een care prima evaluare a riscurilor prezint\u0103 un risc mai ridicat. Nu este r\u0103u s\u0103 solicita\u021bi aceste cerin\u021be \u0219i s\u0103 preg\u0103ti\u021bi documenta\u021bia.<\/li>\n<li>Gestionarea portofoliului este o competen\u021b\u0103 de baz\u0103 a b\u0103ncilor. Acesta este utilizat pentru a \u00eemp\u0103r\u021bi portofoliile de credite \u00een categorii \u0219i pentru a le monitoriza periodic. B\u0103ncile utilizeaz\u0103, de asemenea, conceptul de gestionare a portofoliului \u0219i \u00een domeniul combaterii sp\u0103l\u0103rii banilor \u0219i definesc clasele de risc. Apetitul actual pentru risc depinde de portofoliul lor actual \u0219i de situa\u021bia cu al\u021bi clien\u021bi. Uneori este posibil s\u0103 ob\u021bine\u021bi informa\u021bii informale despre astfel de situa\u021bii.<\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;\"><strong>2. \u00cen\u021belegerea proceselor interne ale b\u0103ncii privind combaterea sp\u0103l\u0103rii banilor:<\/strong><\/span><\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Pe l\u00e2ng\u0103 monitorizarea continu\u0103, institu\u021biile financiare au un seminar intern o dat\u0103 pe an. Prezentarea are un stil agresiv \u0219i necesit\u0103 ac\u021biune necondi\u021bionat\u0103. Adesea, este anun\u021bat\u0103 o inspec\u021bie ulterioar\u0103 de c\u0103tre departamentul intern de conformitate.<\/li>\n<li>\u00cenapoi la birou, \u0219eful departamentului se \u00eengrijoreaz\u0103 \u0219i cere angaja\u021bilor s\u0103 se asigure c\u0103 toate formalit\u0103\u021bile sunt \u00eendeplinite. \u00cencep s\u0103-\u0219i verifice toate dosarele.<\/li>\n<li>Apoi, angaja\u021bii contacteaz\u0103 clien\u021bii \u0219i le cer s\u0103 \u00ee\u0219i actualizeze informa\u021biile \u0219i s\u0103 furnizeze documenta\u021bie suplimentar\u0103 pentru unele pl\u0103\u021bi normale \u0219i extraordinare.<\/li>\n<li>\u00cen cazul \u00een care institu\u021bia este, \u00een plus, supus\u0103 unei inspec\u021bii din partea autorit\u0103\u021bilor pie\u021bei financiare sau \u00een cazul \u00een care au ap\u0103rut unele cazuri critice, conducerea \u0219i angaja\u021bii sunt sub presiune \u0219i, \u00een astfel de situa\u021bii, sunt rapid deschi\u0219i la recomand\u0103ri din partea departamentului de conformitate pentru a pune cap\u0103t unor rela\u021bii.<\/li>\n<li>C\u00e2nd inspec\u021biile sunt finalizate, afacerile de zi cu zi vin \u00een centrul interesului. \u00cenainte de sf\u00e2r\u0219itul perioadei de raportare, conducerea mut\u0103 accentul pe profitabilitate \u0219i \u00ee\u0219i d\u0103 seama c\u0103 banca are nevoie de ni\u0219te clien\u021bi noi.<\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;\"><strong>3. \u00centotdeauna prepara documentele de care ave\u021bi nevoie oricum:<\/strong><\/span><\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Documente de identificare\n<ul>\n<li>Pa\u0219aport sau act de identitate (original sau legalizat cu apostil\u0103)<\/li>\n<li>Dovada adresei (factura de utilit\u0103\u021bi)<\/li>\n<li>Referin\u021b\u0103 bancar\u0103 (\u00een \u021b\u0103rile cu sistem din Regatul Unit)<\/li>\n<li>In cazul societ\u0103\u021bii: extras din registrul comer\u021bului, statut (notariale, apostila, uneori tradus)<\/li>\n<\/ul>\n<\/li>\n<li>Profilul clientului:\n<ul>\n<li>Informa\u021bii despre client, inclusiv managerul, ac\u021bionarul \u0219i beneficiarul efectiv (CV, educa\u021bie, activit\u0103\u021bi reale, surs\u0103 de fonduri)<\/li>\n<li>Informa\u021bii despre companie: scop, regiuni de pl\u0103\u021bi, principalii clien\u021bi existen\u021bi, principalii furnizori existen\u021bi, bilan\u021buri, foste extrase de cont bancar<\/li>\n<li>Informa\u021bii despre activit\u0103\u021bile planificate ale unei noi companii: scopul, dimensiunea \u0219i principalele regiuni ale pl\u0103\u021bilor primite \u0219i efectuate<\/li>\n<li>Estimarea rezultatelor evalu\u0103rii riscurilor<\/li>\n<li>Actualizarea periodic\u0103 a informa\u021biilor<\/li>\n<li>Documenta\u021bie pentru toate pl\u0103\u021bile mai mari dec\u00e2t domeniul de aplicare men\u021bionat \u00een profilul de client<\/li>\n<li>Indiferent de informa\u021biile transmise, departamentele de conformitate vor verifica fi\u0219ierele \u0219i vor solicita informa\u021bii suplimentare. Angaja\u021bii trebuie s\u0103 colecteze dovezi c\u0103 conformitatea lor se face cu aten\u021bie.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;\"><strong>4. Asigura\u021bi-v\u0103 c\u0103 pl\u0103\u021bile se potrivesc modelului comun al industriei \u0219i activit\u0103\u021bii dvs.<\/strong><\/span><\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Re\u021bine\u021bi c\u0103 departamentele de conformitate utilizeaz\u0103 software dezvoltat de firmele de contabilitate criminalistic\u0103.<\/li>\n<li>Exemplu: De obicei, consultan\u021bii solicit\u0103 plata \u00een avans \u0219i trimit frecvent facturi mici. Consultan\u021bii \u0219tiu c\u0103 facturile mici sunt pl\u0103tite rapid \u0219i cresc angajamentul clientului \u0219i creeaz\u0103 un flux de numerar permanent pentru finan\u021barea cheltuielilor (uneori, exist\u0103 \u0219i un bonus mare la sf\u00e2r\u0219it). B\u0103ncile au mul\u021bi consultan\u021bi ca clien\u021bi \u0219i \u00ee\u0219i v\u0103d modelul de plat\u0103. Dac\u0103 fluxul de plat\u0103 al unui proiect de consultan\u021b\u0103 nu se potrive\u0219te modelului obi\u0219nuit, va exista automat o urm\u0103rire cu clientul.<\/li>\n<li>Lua\u021bi \u00een considerare: costurile de administrare ale unei facturi suplimentare plus plata sunt mai mici dec\u00e2t pre\u021bul pentru un starter \u00eentr-un restaurant, dar costurile de a g\u0103si o nou\u0103 banc\u0103 sunt destul de mari.<\/li>\n<\/ul>\n<p><span style=\"font-size: 12pt;\"><strong>5. Diversificare: este un cont bancar \u00eentr-adev\u0103r suficient?<\/strong><\/span><\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<div id=\"ts-body\">\n<div class=\"css-52 ts-pivot-container\">\n<div id=\"ContentContainer\">\n<div>\n<div>\n<div role=\"tabpanel\" aria-labelledby=\"Pivot2-Tab0\">\n<div class=\"ts-lookup-pivot\">\n<div id=\"Lookup\" class=\"ts-pivot-lookup-component\">\n<div class=\"ms-Grid ts-grid\">\n<div class=\"ms-Grid-row\">\n<div class=\"ts-textfield-container \" lang=\"ro\">\n<div class=\"ts-alignment-view-container\">\n<div id=\"ts-alignment-view-idtgt\" class=\"ts-alignment-view ms-font-m ts-alignment-view-tgt ts-ltr-left-zero\" tabindex=\"0\" aria-hidden=\"false\">\n<div tabindex=\"0\" role=\"label\"><span id=\"tgtAlignment_0\" class=\"ts-alignment-element\" data-is-focusable=\"true\">Deschide\u021bi<\/span> <span id=\"tgtAlignment_1\" class=\"ts-alignment-element\" data-is-focusable=\"true\">un<\/span> <span id=\"tgtAlignment_2\" class=\"ts-alignment-element\" data-is-focusable=\"true\">al<\/span> <span id=\"tgtAlignment_3\" class=\"ts-alignment-element\" data-is-focusable=\"true\">doilea<\/span> <span id=\"tgtAlignment_4\" class=\"ts-alignment-element\" data-is-focusable=\"true\">cont<\/span> <span id=\"tgtAlignment_5\" class=\"ts-alignment-element\" data-is-focusable=\"true\">bancar<\/span> <span id=\"tgtAlignment_6\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00eentr-o<\/span> <span id=\"tgtAlignment_7\" class=\"ts-alignment-element\" data-is-focusable=\"true\">alt\u0103<\/span> <span id=\"tgtAlignment_8\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u021bar\u0103,<\/span> <span id=\"tgtAlignment_9\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00een<\/span> <span id=\"tgtAlignment_10\" class=\"ts-alignment-element\" data-is-focusable=\"true\">cele<\/span> <span id=\"tgtAlignment_11\" class=\"ts-alignment-element\" data-is-focusable=\"true\">din<\/span> <span id=\"tgtAlignment_12\" class=\"ts-alignment-element\" data-is-focusable=\"true\">urm\u0103<\/span> <span id=\"tgtAlignment_13\" class=\"ts-alignment-element\" data-is-focusable=\"true\">un<\/span> <span id=\"tgtAlignment_14\" class=\"ts-alignment-element\" data-is-focusable=\"true\">al<\/span> <span id=\"tgtAlignment_15\" class=\"ts-alignment-element\" data-is-focusable=\"true\">treilea:<\/span> <span id=\"tgtAlignment_16\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00een<\/span> <span id=\"tgtAlignment_17\" class=\"ts-alignment-element\" data-is-focusable=\"true\">cazul<\/span> <span id=\"tgtAlignment_18\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00een<\/span> <span id=\"tgtAlignment_19\" class=\"ts-alignment-element\" data-is-focusable=\"true\">care<\/span> <span id=\"tgtAlignment_20\" class=\"ts-alignment-element\" data-is-focusable=\"true\">o<\/span> <span id=\"tgtAlignment_21\" class=\"ts-alignment-element\" data-is-focusable=\"true\">banc\u0103<\/span> <span id=\"tgtAlignment_22\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00eencepe<\/span> <span id=\"tgtAlignment_23\" class=\"ts-alignment-element\" data-is-focusable=\"true\">s\u0103<\/span> <span id=\"tgtAlignment_24\" class=\"ts-alignment-element\" data-is-focusable=\"true\">fie<\/span> <span id=\"tgtAlignment_25\" class=\"ts-alignment-element\" data-is-focusable=\"true\">problematic\u0103,<\/span> <span id=\"tgtAlignment_26\" class=\"ts-alignment-element\" data-is-focusable=\"true\">este<\/span> <span id=\"tgtAlignment_27\" class=\"ts-alignment-element\" data-is-focusable=\"true\">u\u0219or<\/span> <span id=\"tgtAlignment_28\" class=\"ts-alignment-element\" data-is-focusable=\"true\">s\u0103<\/span> <span id=\"tgtAlignment_29\" class=\"ts-alignment-element\" data-is-focusable=\"true\">muta\u021bi<\/span> <span id=\"tgtAlignment_30\" class=\"ts-alignment-element\" data-is-focusable=\"true\">banii<\/span> <span id=\"tgtAlignment_31\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00een<\/span> <span id=\"tgtAlignment_32\" class=\"ts-alignment-element\" data-is-focusable=\"true\">contul<\/span> <span id=\"tgtAlignment_33\" class=\"ts-alignment-element\" data-is-focusable=\"true\">de<\/span> <span id=\"tgtAlignment_34\" class=\"ts-alignment-element\" data-is-focusable=\"true\">la<\/span> <span id=\"tgtAlignment_35\" class=\"ts-alignment-element\" data-is-focusable=\"true\">a<\/span> <span id=\"tgtAlignment_36\" class=\"ts-alignment-element\" data-is-focusable=\"true\">doua<\/span> <span id=\"tgtAlignment_37\" class=\"ts-alignment-element\" data-is-focusable=\"true\">banc\u0103.<\/span> <span id=\"tgtAlignment_38\" class=\"ts-alignment-element\" data-is-focusable=\"true\">Dac\u0103<\/span> <span id=\"tgtAlignment_39\" class=\"ts-alignment-element\" data-is-focusable=\"true\">exist\u0103<\/span> <span id=\"tgtAlignment_40\" class=\"ts-alignment-element\" data-is-focusable=\"true\">un<\/span> <span id=\"tgtAlignment_41\" class=\"ts-alignment-element\" data-is-focusable=\"true\">singur<\/span> <span id=\"tgtAlignment_42\" class=\"ts-alignment-element\" data-is-focusable=\"true\">cont,<\/span> <span id=\"tgtAlignment_43\" class=\"ts-alignment-element\" data-is-focusable=\"true\">este<\/span> <span id=\"tgtAlignment_44\" class=\"ts-alignment-element\" data-is-focusable=\"true\">stresant<\/span> <span id=\"tgtAlignment_45\" class=\"ts-alignment-element\" data-is-focusable=\"true\">s\u0103<\/span> <span id=\"tgtAlignment_46\" class=\"ts-alignment-element\" data-is-focusable=\"true\">\u00eencepe\u021bi<\/span> <span id=\"tgtAlignment_47\" class=\"ts-alignment-element\" data-is-focusable=\"true\">o<\/span> <span id=\"tgtAlignment_48\" class=\"ts-alignment-element\" data-is-focusable=\"true\">nou\u0103<\/span> <span id=\"tgtAlignment_49\" class=\"ts-alignment-element\" data-is-focusable=\"true\">procedur\u0103<\/span> <span id=\"tgtAlignment_50\" class=\"ts-alignment-element\" data-is-focusable=\"true\">de<\/span> <span id=\"tgtAlignment_51\" class=\"ts-alignment-element\" data-is-focusable=\"true\">deschidere<\/span> <span id=\"tgtAlignment_52\" class=\"ts-alignment-element\" data-is-focusable=\"true\">sub<\/span> <span id=\"tgtAlignment_53\" class=\"ts-alignment-element\" data-is-focusable=\"true\">presiunea<\/span> <span id=\"tgtAlignment_54\" class=\"ts-alignment-element\" data-is-focusable=\"true\">timpului.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li>Utiliza\u021bi-le pe toate, astfel \u00eenc\u00e2t s\u0103 existe tranzac\u021bii \u00een curs de desf\u0103\u0219urare<\/li>\n<li>Dac\u0103 ave\u021bi activit\u0103\u021bi de trading foarte profitabile, \u00eencerca\u021bi s\u0103 \u00eemp\u0103r\u021bi\u021bi pl\u0103\u021bile primite \u0219i efectuate \u00een dou\u0103 conturi la institu\u021bii diferite \u0219i s\u0103 efectua\u021bi periodic un transfer \u00eentre ele; \u00een cazul \u00een care bancherul nu poate vedea marja, el nu are nici un stimulent pentru a informa un prieten pentru a face afaceri competitive.<\/li>\n<\/ul>\n<p>(Actualizat Septembrie 2022)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Majoritatea companiilor au nevoie de unul sau mai \u00a0multe conturi opera\u021bionale cu num\u0103r IBAN pentru a-\u0219i gestiona afacerea \u0219i, odat\u0103 cu cre\u0219terea sumelor de pl\u0103\u021bi online, au nevoie, de obicei, de servicii bancare mobile banking \u0219i de un card de debit. Deschiderea unui cont bancar \u0219i abordarea conformit\u0103\u021bii institu\u021biilor financiare (b\u0103nci, institu\u021bii emitente de moned\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yst_prominent_words":[5863,4388,4382,4552,4182,4215,5628,4722,4191,4185,4387,4380,4551,4192,674,4189,4187,4339,4207],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/pages\/13233"}],"collection":[{"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/comments?post=13233"}],"version-history":[{"count":7,"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/pages\/13233\/revisions"}],"predecessor-version":[{"id":15295,"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/pages\/13233\/revisions\/15295"}],"wp:attachment":[{"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/media?parent=13233"}],"wp:term":[{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/zugimpex.com\/ro\/wp-json\/wp\/v2\/yst_prominent_words?post=13233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}