"Neutral banking transactions"

Abstract

Neutralni bankarski poslovi nazivaju se još indiferentni, posrednički ili uslužni poslovi. Banka nastupa kao posrednik, a ne kao dužnik ili vjerovnik. Ona vrši usluge za račun svojih komitenata te za svoje usluge naplaćuje proviziju kao posrednik, jamac ili opunomoćenik. Početak suradnje klijenta, odnosno poslovnog subjekta i banke započinje klijentovim otvaranjem računa u banci, a otvaranje računa i poslovanje putem računa zapravo su dio platnoga prometa koji se odvija u zemlji, ali i u inozemstvu. Osim platnog prometa među neutralne bankarske poslove ubrajamo forfaiting (fleksibilna tehnika izvoznog financiranja, putem otkupa nedospjelih potraživanja nastalih izvozom robe ili izvršenjem usluga) i faktoring (financijski posao u kojemu financijska institucija kupuje potraživanja za prodanu robu ili izvršenu uslugu prije dospijeća za naplatu). Sljedeće su bankarske garancije koje su instrumenti osiguranja, naplate potraživanja te podmirenja obveza u domaćem i međunarodnom poslovanju. One su značajan instrument kojim se korisnik garancije osigurava za uredno plaćanje robe, usluga ili izvedenih radova. Od ostalih bankarskih usluga ističu se mjenjački poslovi, izuzetno popularno internetsko bankarstvo te otvaranje sefova.Neutral banking transactions are also called indifferent, intermediate or service activities. The bank acts as an intermediate and not as a debtor or creditor. It provides services on behalf of their customers and for their services they charge a commission as a intermediator, guarantor or warrantor. The beginning of a collaboration with the client, between the business entity and the bank respectively begins when the client opens an account, while opening and doing business through the account are in fact part of the payment transaction that takes place in the country, but also abroad. In addition to the payment system between the neutral banking business we include forfeiting (flexible technique of export financing through the purchase of receivables, arising from goods export or provision of services) and factoring (finance job in which a financial institution purchases receivables for goods sold or services rendered prior to completion of payment). The following are the bank guarantees that are an instrument of insurance, debt collection and settlement of liabilities in the domestic and international business. They are an important medium to guarantee the user with regular payment of goods, services or businesses performed. From other banking services exchange operations stand out, which is an extremely popular online banking as well as opening safety-deposit boxes