Loan capital
Capital turnover and profit
As we already know from Chap.
7, the reduction in the time of capital turnover finds its manifestation in the rate of its turnover, on which the return on capital, or the rate of profit, is directly dependent.
The starting point for the existence and movement of capital is the monetary form. money capital- the most mobile and universal form of capital. However, in order to advance a certain amount of money for the implementation of a business project, it is necessary to accumulate it. To carry out sufficiently large capital investments for a single enterprise at the expense of exclusively own income, profits are not easy.
However, as a result of the circulation real capital in the process of reproduction, free capital is formed in monetary form. Money capital that is lent and yields interest in the form of interest is called loan capital. The latter from the very beginning acts as value, which becomes a special kind of commodity - capital. Capital-property loaned out becomes functioning capital used in the real process of production and circulation, i.e. capital-function. Capital-property implements ownership relations and ensures the assignment of interest; the capital function implements the relationship of disposing of this property and ensures the appropriation of profit.
The time factor plays an important role. The fact is that if, due to a lack of own financial resources, time is lost to organize the production of a product that is in demand or has a good sales prospect in the future, then either this market can be occupied by other entrepreneurs, or the structure of needs will undergo significant changes.
It can be concluded that enterprises are constantly experiencing a shortage of financial resources for investment, and therefore there is a problem of finding additional sources funding capital investments. Such a source can be the monetary savings of the population and temporarily free financial resources enterprises that do not intend to use in the near future (for example, depreciation charges, or cash accumulated in enterprise depreciation funds).
It follows that market agents who lack financial resources are concentrated at one pole, while market agents who have free cash and are ready to lend it are concentrated at the other pole.
The problem arises to connect these two poles with lines of force
economic interests and find organizationally effective institutions that ensure the maintenance of links between all agents of the money capital market.
Such institutions are credit institutions(banks, funds, companies), which are among the main actors in money market. They provide the economy with such a system of channels that allows you to conveniently and quickly move money from where there is an excess of it to where it is lacking.
At the same time, the assessment of future income (profits) relative to the current moment is important. We are talking about discounting, i.e. about bringing future receipts to their current value. The current (present) discounted value (TDS) is calculated on the basis of the already known formula for compound interest (Chapter 14): TDS \u003d D n / (1 + r ') n, where D n is the final amount of income; r'- interest rate; n is the number of years. When making an investment decision, the net present value (NPV) is calculated: NPV \u003d P 1 / (1 + r ') + P 2 (1 + r ')² + ... + Pn (1 + r ') ⁿ - n, where P n - profit received in the n-th year; r' - discount rate (interest rate); And investment. The value of the net present value must be greater than zero: N D S > 0, which means that the value of the investment made is exceeded by the present profit. Therefore, investments are worthwhile if the expected returns from them will exceed the costs associated with the investment.
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Is money accumulated by the state on a voluntary or mandatory basis?
- on a voluntary basis
- do not pay
- pay
- No
- Council of the Federation
— Government of the Russian Federation (?)
— Government of the Russian Federation
- Ministry of Finance
— President of the Russian Federation
- at the federal
- at the local level
- The State Duma
— Government of the Russian Federation
— under development
— at the stage of approval
- under consideration
- can not
- No
- yes, partially
- yes, completely
- executive management
- Governing body
— President of the Russian Federation
— Government of the Russian Federation
- Council of the Federation
- The State Duma
- Ministry of Finance
— Government of the Russian Federation
- No
- Yes
- yes, under special conditions
— taxes
— non-tax payments
- Governing body
- executive management
Is money accumulated by the state on a voluntary or mandatory basis?
- on a mandatory basis (???)
both on a voluntary and mandatory basis
- on a voluntary basis
12) Do they pay insurance premiums to target off-budget funds public organizations disabled people:
- do not pay
– organizations do not pay, but those working for them pay contributions in the amount of 1% wages
- pay
13) Does the Central Bank of Russia have the authority to apply coercive administrative measures against commercial banks:
- No
- has, by special decision of the government
- has, at its discretion, in statutory cases (?)
14) Which authority is considering the draft budget of the target off-budget fund:
- Council of the Federation
— Government of the Russian Federation (?)
- The State Duma
15) Which authority or department submits the performance report federal budget State Duma:
— Government of the Russian Federation
- Ministry of Finance
— President of the Russian Federation
16) At what levels special off-budget funds can be created in the legislation:
- at the federal
- at the level of the subject of the federation
- at the local level
- at all three levels
17) public finance form...
— budget system and off-budget funds
— budget system and government loan
— the budgetary system, non-budgetary funds and state credit?
18) From the budget of the republic-subject Russian Federation City N received a subvention for the construction of the road, which was to be completed by the end of the year. The city authorities partly used the funds received for the improvement of the streets, partly for the renewal of the bus fleet. Part of the funds remained unused by the end of the year. What will be the situation with regard to funds used for purposes other than the intended purpose of the subvention:
- perpetrators of misuse financial resources should be held accountable
- the money must be returned
- the money must be returned to the budget of the republic, the perpetrators are held accountable
19) Who forms the composition Accounts Chamber:
- The State Duma
— Government of the Russian Federation
- President of Russian Federation
- jointly by both houses of the Federal Assembly
20) At what stage of the budget process is its parliamentary control carried out:
— under development
— both at the stage of consideration and at the stage of approval
— at the stage of approval
- under consideration
21) Is it implemented auditing Central Bank:
- carried out by special decision of the government
- carried out in without fail annually
- not implemented, because it is a government body
22) From the budget of the republic - a subject of the Russian Federation, a subvention was allocated to the budget of the city N for the construction of the road, which was to be completed by the end of the year. The city authorities partly used the funds received for the improvement of the streets, partly for the renewal of the bus fleet. Part of the funds remained unutilized by the end of the year. What is the fate of undisbursed funds:
- spent by the city for city needs
- should be returned to the budget of the republic
- must be spent only on the construction of the road
21) Can taxes be paid by a representative of a taxable person:
- can not
- can only in case of incapacity of the subject of the tax
– may in the case of representation by appointment and in the case of representation by law
22) Does the consolidation of targeted off-budget funds into the budget mean the loss of designated purpose:
- No
- yes, partially
- yes, completely
23) What structures develop draft budgets of target extrabudgetary funds:
– Executive Directorate with the participation of the Ministry of Finance
- executive management
- Governing body
24) Which authority carries out the drafting of the budget message:
— President of the Russian Federation
— Government of the Russian Federation
- Council of the Federation
25) Which authority organizes the work on drafting the federal budget:
- The State Duma
- Ministry of Finance
— Government of the Russian Federation
26) Can, in accordance with the law, the funds of extra-budgetary trust funds be withdrawn by order of the government:
- No
- Yes
- yes, under special conditions
27) What is the main component government revenue in countries in market economy:
— taxes
— non-tax payments
- income from the issuance of government loans
28) What individuals considered residents:
- foreign citizens residing in the country for at least 183 days in calendar year and Russian citizens
- exclusively citizens of Russia (?)
— Russian citizens, as well as foreign citizens and stateless persons residing in the country for at least 183 days in a calendar year
29) Who pays the fee for participation in the tender (auction) for the acquisition of the right to use subsoil:
- winners of the competition (auction)
- those who acquired the right to use subsoil and received income from this
- all participants of the competition (auction) (?)
30) What bodies govern pension fund:
- Governing body
- executive management
— Management Board and Executive Directorate jointly
31) There is a budget deficit in the budget of city N.
What expenses are subject to priority financing:
(11 questions)
1) the totality of cash and non-cash Money;
2) economic monetary relations on the formation, distribution and use of funds of the state, its territorial divisions, as well as institutions and organizations necessary to ensure their tasks and functions;
3) the totality of funds of funds and property belonging to the state;
4) the form of the economic impact of the state on the system of production and social relations, which is implemented on the basis of the method of legal equality;
No. 2. Under the financial activities of the state understand:
1) the activities of the state in the formation, redistribution and use of centralized and decentralized funds of funds, in order to meet the needs of the state in monetary resources;
2) a set of forms and methods of managing economic processes in society;
3) the activities of the authorized bodies of the state to create sufficient economic conditions for the functioning public sector economy;
No. 3. The methods of distribution and use of funds are:
1) financing and lending;
2) tax and non-tax;
3) imperative and dispositive;
No. 4. Financial legal relations do not arise between:
1) bodies exercising financial activity states;
2) individuals;
3) an authority carrying out financial activities of the state, and a citizen
No. 5. In the subject financial law the following relationships are not included:
1) relationship between central bank Russian Federation and commercial banks regarding the formation of the fund required reserves Central Bank RF;
2) operations of the Central Bank of the Russian Federation to service the public debt;
3) lending by a bank to a state unitary enterprise;
4) acceptance by the bank of a payment order for the payment of federal tax;
No. 6. The main method of accumulating funds is:
1) tax;
2) non-tax;
3) issue of state valuable papers;
4) privatization of state and municipal property;
No. 7. Centralized state funds are:
1) the budget, off-budget funds and all other property assigned to the treasury;
2) all funds owned by the state;
3) funds of the budgetary system of the state, including state non-budgetary funds, as well as funds accumulated through state insurance;
4) funds and other property assigned to the state authorities on the basis of operational management rights;
No. 8. Decentralized funds of the state are:
1) all property, including funds, assigned on the basis of the rights of operational management or economic management to enterprises and organizations;
2) finance state enterprises and organizations assigned to them on the basis of the rights of operational management or economic management;
3) all funds of economic entities of all forms of ownership, functioning either by virtue of state prescriptions or at the discretion of economic entities;
4) property and funds of funds created at state and municipal enterprises by virtue of state prescriptions;
No. 9. The financial system of the Russian Federation is:
1) a set of interrelated financial institutions that promote the formation and use of monetary funds, as well as a set of state bodies and institutions that carry out financial activities on behalf of the state;
2) a set of financial institutions and legal acts regulating relations regarding the formation of funds of funds, the use of property expressed in value terms;
3) the budget system, extra-budgetary funds, finances of enterprises and organizations, credit organizations, insurance organizations, financial control;
4) a set of government bodies and control over the formation, distribution and consumption of centralized and decentralized funds of funds of the non-state sector of the economy;
No. 10.B financial system includes:
1) budget system Russian Federation, gold and foreign exchange reserves of the Central Bank of the Russian Federation, subsoil, expressed in value form, state extra-budgetary funds, finances of economic entities;
2) Centralized and decentralized funds of the state, forms, methods and principles of accumulation and spending of funds, the system of legislation that determines the procedure for the functioning of the institutions of the financial system;
3) Budgetary system, including state non-budgetary funds, insurance funds, credit, finances of business entities;
4) The value form of property objects, all funds of funds, the system of state bodies, financial legislation;
No. 11. The statement is true: “The Ministry of Finance of the Russian Federation is ...
1) is an organ general competence, obliged to determine the strategy of the state in the financial sphere”;
2) it is a body of special competence, obliged to develop and implement a unified financial policy countries";
3) it is a body of the federal government, obliged to control the receipt of all federal budget revenues, as well as the implementation of all expenditures of the budgetary system”;
4) it is a body of special competence, having the right to manage other government bodies executive power in terms of directions of spending budgetary funds by them”;
A bank is a financial and credit organization, originally created for the safe storage of clients' (depositors') money for the period specified by the agreement. Modern Features banks are much larger. So, today, banking organizations issue to the population (in this case, an additional money supply is formed), spend non-cash payments between individuals and organizations, provide related Financial services. At the same time, such credit and financial companies do not have the right to carry out insurance, trade, and also production activities.
Functions of the Central Bank
The Central Bank is the main (regulating) credit structure states. In Russia, the functions of the Central Bank (CBR) are as follows:
- formation and implementation of domestic credit policy;
- release into free circulation (issue) national currency – paper banknotes and metal coins;
- refinancing of banking institutions;
- management of gold and foreign exchange reserves;
- development and implementation of monetary policy.
In addition, the Central Bank plays the role of the main clearing house banking system and comprehensively controls the activities of commercial organizations.
Functions of commercial banks
Private lending institutions are considered the main link financial and credit system governments and provide clients – depositors and borrowers – with a wide range of services. The main functions of commercial banks are attraction, planned accumulation and distribution of funds, implemented in the following types of operations:
- regulation cash flow;
- intermediation in lending to citizens (including provision) and legal entities,
- transfer of money supply between clients in the form of cashless payments, (mediation in payments);
- consulting, providing up-to-date information, increasing financial literacy population.
Functions performed by the bank
All the variety of functions performed by the bank can be summarized in three points.
- Accumulation of funds. It must be understood, however, that if some financial structures(for example, investment funds) accumulate money for their further investment, then banking companies attract and accumulate such resources for their own purposes.
- Regulation of money circulation in the state. banking company can be called a kind of center that passes through itself the payment turnover between the subjects (clients).
- Mediation, which is traditionally understood as the direct activity of an intermediary in transfers, payments and any other types of settlements.
The main functions of the bank
Among the main functions of the bank, the activity of accumulating temporarily free money supply deserves special mention. As a rule, the attraction of the main part of funds is carried out by placing clients (depositors) on deposit and savings accounts. At the same time, the owner of the money benefits in the form of interest income (if we are talking about a deposit), and the company itself receives loan capital, which later replenishes the reserve and is partially used for lending, playing the role of the main source of the company's credit resources.
Credit function of banks
Another important component of modern banking- lending to private and legal entities. credit function banks lies in the fact that by providing borrowers with loan funds, the organization thereby creates the so-called mass credit money. At the same time, their main feature can be called the fact that such monetary resources do not have a physical expression - that is, they do not exist in a real “tangible” form, but in the form of entries on accounts. Such a mechanism is controlled and regulated by the Central Bank with the help of a number of legislative regulations.
Bank functions in the economy
All processes related to the accumulation and movement of money are essential for economic system states. However, the functions of the bank in the economy are not limited to accumulation and redistribution. In addition to them, such companies also stimulate financial savings in the economic sphere, which directly affects the state of the country's economy. Equally significant component can be called the securities market ( stock market), also closely associated with banking activities for mediation in transactions carried out with shares, bonds and other securities.
Bank management functions
The key functions of bank management are assigned to a special body - the general meeting of shareholders. It includes members-shareholders who own registered shares of the company. In some cases, the composition of the body also includes the owners of the so-called preferred shares. Two other governing structures are subordinate to the meeting: the audit commission and the board of directors, which formulate and implement internal politics. The role of the main executive body is played by the board, which in the overwhelming majority of cases is formed from among the key shareholders of the organization.
Each of us, one way or another, wants to accumulate sum of money for some of your needs. But this is not easy, because often all our income is spent on more or less urgent needs, after which there is nothing left. When, after the distribution of capital, a certain amount remains for all your needs, we are talking about temporarily free cash. Accumulation is just the process of accumulating such money. This term is most often used in the aspect of banking. What does the word "accumulation" mean and how does it relate to work financial institutions, we will find out further.
The concept of accumulation of temporarily free cash
The accumulation of funds is one of the activities of commercial banks, and one of the most important. Its essence lies in the fact that they concentrate the so-called “free” money of depositors on their accounts and receive income by redistributing it. These finances don't linger inside banking organization, but are converted into capital by investing in the state economy, provided as loans and used to purchase securities.
A little-known fact is that banks at the beginning of their activities used only their own free finances. But when loans and various kinds of loans began to become more popular, they began to use the practice of accumulating other people's capital at the expense of contributions from their depositors, which led to the emergence of such a thing as bank deposits.
Contributions or deposits are needed in order to further financial institutions could redistribute clients' capital for more high percent. The bottom line is that each depositor, taking his money to a bank branch, lends it to him at a certain interest rate set for deposits. And the bank, in turn, lends these funds to those who applied to it for a loan (individual citizens, individual entrepreneurs or companies), and receives a fixed percentage from them.
Of course, commercial banks it is necessary to effectively encourage depositors to accumulate and save money in their accounts. To do this, they conduct a flexible deposit policy, consisting in a high interest rate on deposits, guarantees of the reliable safety of their deposits, as well as the availability of information about the activities of banking organizations.
It is believed that in the capital of modern banks 80% are borrowed finances, and only 20% are their own. Such a small share of its capital is explained by the fact that it is necessary only for the ability of banks to carry out their activities:
In this way, equity banking organization is, in fact, its kind of guarantee fund, and it is simply necessary to ensure the stability and efficiency of its work. Considering that huge amounts of their clients pass through the “hands” of financial institutions every day, they can be called a kind of intermediary between those who need money and those who can provide it.
Features of banking activities for the accumulation of free finance
Firstly, the bank redirects the accumulated amounts in favor of those who turn to it with their financial needs, that is, borrowers. Secondly, he does not acquire ownership of this money, because their owners are the depositors who have made their cash contributions to deposit accounts. Thirdly, such financial institutions operate on the basis of licenses and are authorized by regulatory authorities to carry out such activities. In addition, as already noted, in the capital of the bank, the share own funds very small compared to others. Thus, it is difficult to deny that the accumulation of temporarily free finances is one of the most important functions of a bank.
What is the main purpose of the accumulation of free cash? The role of this process is important for the financial institutions themselves, citizens and for the entire state.
First of all, banks perform the function financial redistribution, as well as support for small and medium-sized businesses. As you know, the category of bank borrowers includes not only individual individuals who need money for recreation or new purchase, but also entrepreneurs who are on fire with an interesting idea, but do not have financial opportunity to embody it. The accumulation of finances makes it possible to concentrate as much money as possible, transferred by investors, and give it to those who are eager to put it into business. And the development of business directly affects the development of the entire state economy and replenishment of the country's budget.
Also, accumulation allows you to reduce search costs. credit finance, that is, to avoid large time and financial costs when looking for borrowed funds. 
This mechanism also provides an opportunity to make a profit. That is, when financial institutions redistribute temporarily free financial resources, they can receive income in the form of the difference between the interest they charge from borrowers and the interest they pay to savers.
What can be said about accumulation in the end? In essence, it is getting money from money. The main method of accumulating funds is to attract cash deposits citizens and organizations. Everyone benefits from this activity:
- those who transfer their free funds and receive interest for this;
- those who accumulate money supply in their hands and receive interest for transferring them to those in need;
- those who apply for loans and have the opportunity to get it quickly and at no extra cost.
Not only banks are engaged in the accumulation of "free" money - various financial and industrial enterprises and investment funds also accumulate financial resources for investment. But their main difference from banking institutions in this case, it is that they perform such activities for their own purposes. Therefore, it is bank accumulation that is very important both for the population and for the state economy as a whole.
Many people are engaged in this or that accumulation. So, some people save their working days so that later they get a big health vacation, others collect things, and then they take everything that has accumulated safely to the country, and still others prefer to accumulate money. In the article, we will take a closer look at the last hobby, which is called the "accumulation of funds" in the literary language.
Concept definition
What is accumulation anyway? Translated from Latin, this word means "accumulation". In our case we are talking about the financial side of the issue, and, therefore, the accumulation of funds implies the accumulation of one's own or externally attracted funds in order to benefit by providing these financial assets to a person in need at a certain percentage.
In simple words, the accumulation of funds is good way increase capital. From the outside, everything seems quite simple, but in our time there is a problem of uniting persons who own free funds in the required amount and people who need them.
The accumulation of funds is important phenomenon in the economy of any state. Among the main functions that are performed by this process, the following should be indicated:
- Redistribution financial assets, support for businessmen and entrepreneurs. So, often representatives of medium and small businesses become borrowers of banks, as well as individual entrepreneurs. There are situations when initiative people have great ideas and promising projects are developed, but there is no finance for their implementation in practice. Here, the accumulated funds come to the rescue, which are concentrated in one hand and can be directed to those people who know how to make money not just lie in the bank, but work.
- Saving valuable time looking for borrowed money. Instead of concluding loan agreements with several holders of free funds, it is enough to apply to one.
- Making good profits. As you know, accumulation is beneficial both for those who accumulate money and for those who contribute their free funds and receive a previously agreed percentage for this. According to many financiers, assets should not be "dead" capital, but, on the contrary, always rotate in cash flows, since inflation manifests itself constantly and can cause the depreciation of "stale" cash in the chest of drawers.
Examples of accumulation of funds
Often, ordinary citizens and owners of small or medium-sized businesses have situations where they urgently need large sum, but there is none on hand. In this case, a citizen can apply to several borrowers and collect the necessary amount of money (for example, to buy a home or a car). The citizen will have to continue to pay interest within the agreed time frame to each of the borrowers. This, of course, is inconvenient and takes a lot of time. And if one of the borrowers pooled their free funds and others' funds and borrowed them for a needy citizen, then this would already be an accumulation of citizens' funds. Bank today at financial world plays a leading role in terms of the concentration of their own and other people's money and their subsequent use. Therefore, most of the population now prefers to apply for a loan to a banking organization rather than to a private person.
Bank accumulation
AT modern society the brightest representative, which is characterized by the accumulation of funds, is credit and commercial structures, in particular, banks. It is they who are engaged in the fact that they concentrate the free money of the population with the aim of their further redistribution and profit.
Few people know, but earlier banks used exclusively their own free funds. However, over time, the popularity of these organizations has grown significantly, and they began to borrow money from citizens. Thus appeared different kinds deposit deposits. Why do banks need such deposits? The accumulation of money is done in order to attract free financial resources population and their redistribution for a larger percentage. The whole point is that a person takes his funds to the bank and borrows a certain amount at interest (corresponding interest on the deposit). The bank, having received this money, borrows it for needy people at an even higher percentage, that is, it provides a loan.
According to statistics, today banks have about 20 percent of their own funds in their arsenal, while borrowed funds account for 80%. This information confirms the fact that a banking organization is a kind of intermediary between persons who own free money and those who need it.
Methods of bank accumulation
One of the most common ways to attract free funds of the population and non-profit organizations are contributions. In order to attract as much money as possible, banking structures use such forms of savings as: bonus, pension, youth, winning, etc. In some countries, in addition to the interest received from the deposit, the population is provided Additional services(free postal orders telegraph, trade services, etc.). For example, in the United States among term deposits first place is occupied savings deposits population.
Features of the activities of banks
The work of a banking organization for the accumulation of funds has a number of features:
- the bank directs the accumulated funds to solve other people's problems (needs);
- the accumulated funds by right of ownership still belong to the one who brought them to the bank;
- activities involving the accumulation and redistribution of funds must be confirmed on paper - a license;
- own free funds make up only a small part of the total capital of the bank;
- the accumulation of free cash is the most important function of a financial institution.
Pluses of accumulation
Consider what is good savings for citizens and the state as a whole. The accumulation of citizens' funds allows the holders of free money themselves to profit from them. In addition, accumulation helps to develop small and medium business replenish the state treasury, and at the same time raise the standard of living of the population. As for the replenishment of the state budget, not the last role is played by state banks, which act as guarantors of the preservation of deposits of citizens. Often people, choosing between private commercial organizations and state ones, opt for the latter, since the level of trust here is much higher. Commercial structures, in turn, attract the population with higher interest rates on deposits and lower - on loans.
Appendix No. 9 to the municipal program "Formation of a modern urban environment for 2017"
The procedure for accumulating and spending funds stakeholders allocated for the implementation of an additional list of works on the improvement of courtyard areas and a mechanism for monitoring their spending, as well as the procedure for labor and (or) financial participation citizens in the performance of these works
- General provisions
1.1. This Procedure for the accumulation of funds of interested parties directed to the implementation of an additional list of works on the improvement of yard areas (hereinafter referred to as the Procedure), regulates the procedure for accumulating funds of interested parties directed to the implementation of an additional list of works on the improvement of yard territories in the urban settlement "City of Amursk" (hereinafter - city of Amursk), a mechanism for monitoring their spending, and also establishes the procedure and forms of labor and (or) financial participation of citizens in the performance of these works.
1.2. The form of financial participation is understood as the share of financial participation of interested persons, organizations in the implementation of an additional list of works on the improvement of courtyard areas in the amount established by the authority local government.
1.3. The form of labor participation is understood as unpaid labor activity of interested persons, which has a socially useful orientation, does not require special qualifications and is organized as labor participation of interested persons, organizations in the implementation of an additional list of works on the improvement of yard areas.
- Organization of financial and (or) labor participation
stakeholders
2.1. Organization of financial participation is carried out by interested parties in accordance with the decision general meeting owners of premises in apartment building whose yard area is subject to improvement, drawn up by the relevant protocol of the general meeting of owners of premises in an apartment building in the amount of at least 1 percent of the cost of events, in accordance with the Rules for the provision and distribution in 2017 of subsidies from the regional budget to budgets municipalities Khabarovsk Territory for co-financing spending commitments municipalities of the Khabarovsk Territory for the implementation of municipal programs the formation of a modern urban environment (Appendix No. 16 to state program Khabarovsk Territory "Improving the quality of housing and communal services for the population of the Khabarovsk Territory") (hereinafter - the Rules).
2.2. The organization of labor participation is carried out by interested parties in accordance with the decision of the general meeting of owners of premises in an apartment building, the courtyard area of which is subject to improvement, drawn up by the relevant protocol of the general meeting of owners of premises in an apartment building, in the amount of at least 2 percent of the cost of events, in accordance with the Rules.
2.2.1. A report can be submitted as documents (materials) confirming the labor participation of interested persons. contractor on the performance of work, including information on holding an event with the labor participation of citizens, a report of the Council apartment building, the person managing the apartment building on the labor participation of citizens. The report must be accompanied by photo and video materials confirming the holding of the event with the labor participation of citizens. It is recommended to post these photos and videos in the media, on social networks and on the Internet information and telecommunication system.
- Organization of accumulation and
control over the spending of funds of interested parties
3.1. The municipal program of the city of Amursk provides for the financial participation of interested parties in the implementation of an additional list of works on the improvement of courtyard areas. In the event that interested parties include in the design project for the improvement of the yard area the works included in the additional list of works on the improvement of yard areas, the funds of interested parties are subject to accumulation by the authorized body for subsequent transfer to the personal account of the administrator of the budget revenues of the urban settlement "City of Amursk" in the treasury bodies .
3.2. The administration of the city of Amursk has appointed managing organizations (companies), associations of property owners, associations of homeowners, official representatives direct method management (hereinafter referred to as the authorized organization).
3.3. In order to co-finance measures for the improvement of the courtyard area and for enrollment accumulated funds interested parties, the administration of the city of Amursk enters into an agreement with an authorized organization, which determines the procedure and amount of transfer of funds.
3.4. The amount of funds of interested parties is determined by the estimate calculation of the cost of works on the improvement of the courtyard area, and is not less than 1 percent of the total cost of the relevant types of work from the additional list.
3.5. The amount of funds determined by the estimate can be changed based on the results of the purchase of goods, work, services in accordance with the provisions federal law dated 05.04.2013 No. 44-FZ “On the contract system in the field of procurement of goods, works, services to meet state and municipal needs”, as well as taking into account the cost of actually performed work on the improvement of courtyard areas within the additional list.
3.6. The authorized organization in accordance with the powers assigned to it:
3.6.1. Opens accounts for the accumulation of funds of interested parties in Russian credit institutions, the value of own funds (capital) of which is at least 20 billion rubles. The basis for opening an account for the accumulation of funds of interested parties is the decision of the general meeting of owners of premises in an apartment building, which determines the procedure and amount of funds to be transferred by interested parties for the performance of work provided for in the additional list.
3.6.2. Provides accounting for funds received from interested parties, in the context of apartment buildings, whose courtyard areas are subject to improvement according to an additional list.
3.6.3. Provides on a monthly basis, up to the 5th day of the month following the reporting one, sending data on funds received from interested parties, in the context of apartment buildings, whose courtyard areas are subject to improvement according to an additional list, to the administration of the city of Amursk.
3.6.4. Transfers the funds received from interested parties to the budget of the city of Amursk according to the details in accordance with the APPENDIX to this Procedure.
3.6.5. Carries out the transfer of funds before the start of work on the improvement of the courtyard area.
3.7. The administration of the city of Amursk ensures accounting of funds received from authorized organizations in the context of apartment buildings, the courtyard areas of which are subject to improvement.
3.8. The administration of the city of Amursk provides monthly publication on the official website of the administration of the urban settlement "City of Amursk" in the information and telecommunication system "Internet" (http://amursk.ru) of data on funds received from authorized organizations in the context of apartment buildings, the courtyard areas of which are subject to improvement.
3.9. The Amursk City Administration monthly ensures that data on funds received from authorized organizations, in the context of apartment buildings, whose courtyard areas are subject to improvement, are sent to the public commission formed from representatives of the local government, political parties and other persons (hereinafter referred to as the public commission).
3.10. The public commission exercises control over the targeted spending of the accumulated funds of interested parties to finance an additional list of works included in the design project for the improvement of the courtyard area.
3.11. The accumulated funds are spent by the administration of the city of Amursk to finance an additional list of works on the improvement of yard areas in accordance with the approved design project for the improvement of yard areas, approved by the public commission.
3.12. Spending of funds is carried out by accepting and paying obligations in accordance with budget legislation and other regulatory legal instruments governing budgetary relations.
3.13. Control over the targeted spending of the accumulated funds of interested parties is carried out by the administration of the city of Amursk in accordance with budget legislation.
- Conditions for the return of accumulated funds to interested parties
4.2. The administration of the city of Amursk ensures the return of accumulated funds to interested parties by December 29, 2017, provided:
a) saving money based on the results of tenders for the selection of a contractor to perform work on the improvement of courtyard areas;
b) saving money, based on the results of work on the improvement of the courtyard area of an apartment building by a contractor;
c) failure to perform work on the improvement of the yard territory of an apartment building due to the fault of the contractor;
d) non-provision by interested parties of access to work on the improvement of the yard area;
e) occurrence of force majeure circumstances;
f) occurrence of other cases provided for by the current legislation.
APPENDIX
to the Procedure for Accumulating and Spending the Funds of Stakeholders Allocated for the Implementation of an Additional List of Works for the Improvement of Yard Territories and the Mechanism for Controlling their Spending, as well as the Procedure for the Labor and (or) Financial Participation of Citizens in the Performance of These Works
Bank details for transferring funds to local budget administration of the urban settlement "City of Amursk"
Beneficiary: UFC for the Khabarovsk Territory (administration of the city of Amursk)
TIN 2706026117
KPP 270601001
Settlement account 40101810300000010001
Bank: Branch Khabarovsk Khabarovsk
BIC 040813001
KBK 156 207 05030 13 0000 180
OKTMO 08603101001
Purpose of payment: Other gratuitous receipts to the budget of the urban settlement, for the improvement of courtyard areas.
