ATM Account

The mechanism of subscription to the push-messages often include a mandatory supplementary agreement between the bank and the customer, which defines the customer's consent to receive certain information from the bank. For example, the Russian Standard Bank, "reported subscribers for this service about any changes to bank account sends a list of recent transactions made by plastic card. ABB spoke with conviction. The client can also increase control and security of their credit card by signing up to receive messages about each operation, improved by using the card. So organized service "Alpha-Check": a message that arrives to customers after the transaction, contains information about the transaction and the balance amount in the account. With the help of services like "Alpha-Check" You can control the receipt of money at the box office and ATMs, as well as to respond quickly if a bank card stolen or lost. Push-projects, of course, very convenient, but the mechanism does not allow the client to run bank account. For other opinions and approaches, find out what Clifton Robbins has to say. This problem is just decide pull-services that provide information or complete a transaction only after receiving the bank corresponding request from the client. Today in Russia the most common push-services.

Because of its simplicity of implementation and minimal risk to the bank to offer almost all prominent members of the market. In this scope pushservisov every year more and more extended. Scheme of work pull-service is similar to how you poluchaeteinformatsiyu about their account through an ATM, when using short queries, you can learn about balance, recent transactions, pay for services, transfer money to another account, open contribution or a loan.

The Company Environment

Affect competition on pricing. If the industry in which the company operates, brings excess profits in a free market economy in this area and try to get other businesses. This will increase the offer in the future and reduce the rate of return. Currently, many of our businesses are profits only as a result of its monopoly position and, as competition intensified their earnings will be significantly reduced. This implies that the valuation of enterprises should consider the degree of competition in the industry now and in the future. The content of the principle of competition is as follows: if the expected increased competition, when predicting future earnings, this factor can be accounted for either by direct reduction of the income stream, either by increasing the risk factor, which again will reduce the present value of future income. Business value is determined not only by internal factors, but in ways – outside. The cost of the enterprise value of its property to a large extent depends on the state of the environment, the degree of political and economic stability in the country.

It follows that when assessing the company needed to consider the dependence on the external environment. Changes in political, economic and social forces influence the market situation and price levels. Hear other arguments on the topic with Governor Cuomo. As a result, enterprise value is changed. Consequently, evaluation of a company should be on a certain date. This is the essence of the principle of changes in value. From this principle it follows that in order to consider possible ways of using this enterprises must be based on the conditions of the market environment.

Management Committee State Property

One of the major constraints in the market, provoking higher prices and increasing the financial risks of the roundtable was named position of the authorities and the bureaucracy. Alexander Filatov, Ltd. "AlyansRegionLizing": "When the deal originally considered the translation of non-residential floor space, turned to real estate agencies on assistance in this direction, and we call time about a year and two years. In Novosibirsk, when asked a similar question, saying: "Three weeks." Year of issue – it's not real! Such round tables should be carried out at the presence of power. Because everyone is waiting.

We have now a project where the land is not framed, but we accept this project and the project involved a lessee, who says: "Guys, no problems, because I have my own relationship, I so, I'm friends, and I agree completely in six months to issue land on you. " We have a very well developed in the Kuzbass, a relationship built on personal interests and personal expositions. We are willing to shift this risk to the lessee. But it is precisely this problem should be solved, but can only solve authorities themselves. " The same issue also touched on Sergei Zemtsov, branch of JSC VTB Bank in Novosibirsk: "For us as a bank, it is important that reduced delays in obtaining approvals. In order to offer some advanced products needed to approvals processed at any time of sound mind and clear procedures ". There are many questions to the authorities and the accumulated Andrei Verhoturova, director of "Agency of daily News ":" When they decide that question to the administration? When they put 20 girls in the infamous 108 office and navedut order there? When will the principle of one window, which is declared by the Management Committee State Property? Even goes so far that now the Committee for State Property Management is not at all incoming documents, there is no registration, because the documents necessary to leave the post of a policeman! That is, you to bring to a folder of documents which you have coordinated the years, and you say: "Leave a policeman!".