Are the people of the world being conned by the oil companies, global warming...

[Destined]

...critics & the ethanol producers? are people purposely creating stories about dependency on oil, pollution, global warming and the unreasonablness of having electic cars or water operated cars and keeping Americans in the Middle East to best up their profit margins?

Are the aforementioned paying the media to promote their causes in order to bamboolze the world to be willing to pay 300 percent more on gasoline in the past 5 years and 500 percent on food than in the past 10 years? Are the people of the World being conned?

 

[Gocaempanna]

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 áîëüøèíñòâå ñëó÷àåâ â ñäåëêó âîâëåêàåòñÿ áîëåå îäíîãî áàíêà. Áàíê ñòðàíû èìïîðòåðà, êîòîðûé ïîëó÷àåò è ïîäòâåðæäàåò çàÿâêó íà àêêðåäèòèâ, èçâåñòåí êàê áàíê-ýìèòåíò. Åñëè áàíê-ýìèòåíò íå èìååò îòäåëåíèé â ñòðàíå ýêñïîðòåðà, îí èçâåùàåò ëèáî áàíê-êîððåñïîíäåíò â òîé ñòðàíå, ëèáî áàíê ýêñïîðòåðà, èçâåñòíûé êàê áàíê-àêöåïòîð. Áàíê-àêöåïòîð äåéñòâóåò â èíòåðåñàõ áàíêà-ýìèòåíòà, íî íå äàåò íèêàêèõ ãàðàíòèé ïëàòåæà, ïîêà ïîñëåäíèé íå ïîäòâåðäèò óñòàíîâëåííûì îáðàçîì ñâîé àêêðåäèòèâ, âíåñÿ ñîîòâåòñòâóþùóþ ïëàòó.
Áåçîòçûâíîé ïîäòâåðæäåííûé àêêðåäèòèâ îïðåäåëÿåò öåíó è âåëè÷èíó çàêàçà. Åñëè êîìïàíèÿ ïðåäïî÷èòàåò ðàçðåøàòü âûïîëíåíèå ïîâòîðÿþùèõñÿ çàêàçîâ ïî öåíàì è îáúåìàì, ìåíÿþùèìñÿ ñî âðåìåíåì, òî áîëåå ïîäõîäÿùèì ñðåäñòâîì ÿâëÿåòñÿ àêêðåäèòèâ â âèäå ó÷åòà áàíêîì òðàòò, âûñòàâëåííûõ ýêñïîðòåðîì íà ïîêóïàòåëÿ. Ýòîò âèä àêêðåäèòèâà ïîçâîëÿåò âûïîëíÿòü ïîâòîðÿþùèåñÿ çàêàçû ïî öåíàì, êîëè÷åñòâàì è çíà÷åíèÿì îáìåííûõ êóðñîâ, êîòîðûå óñòàíàâëèâàþòñÿ âî âðåìÿ ñîâåðøåíèÿ çàêàçà. Î÷åíü êðóïíûå è êðåäèòîñïîñîáíûå èìïîðòåðû ìîãóò ïîçâîëèòü, ÷òîáû èõ àêêðåäèòèâ ïåðåäàâàëñÿ äðóãîìó ëèöó, òî åñòü ñàìûé øèðîêèé êðóã ýêñïîðòåðîâ ìîæåò âûïîëíÿòü èõ çàêàçû è âûñòàâëÿòü çà ýòè çàêàçû ïåðåâîäíûå âåêñåëÿ.
* ïðîâåðêà ïðàâèëüíîñòè îôîðìëåíèÿ ôèíàíñîâûõ äîêóìåíòîâ
òûñ. ðóá.
* îðãàíèçàöèÿ âàëþòíîãî ðåãóëèðîâàíèÿ
Àëüôà-Áàíêó 10 ëåò
Ïîñêîëüêó êîýôôèöèåíò ê 1 ÿâëÿåòñÿ ñàìûì âåñîìûì, áàíêó, â öåëÿõ ïîâûøåíèÿ èíòåãðàëüíîãî èíäåêñà íàä¸æíîñòè è ïðèáëèæåíèÿ çíà÷åíèÿ äàííîãî ïîêàçàòåëÿ ê 1, íåîáõîäèìî ëèáî óâåëè÷èâàòü ðàçìåð ñîáñòâåííûõ ñðåäñòâ, ëèáî ñîêðàùàòü âåëè÷èíó ðèñêîâûõ àêòèâîâ, à, ñëåäîâàòåëüíî, ñíèæàòü îáú¸ìû êðåäèòîâàíèÿ, âëîæåíèé â êîðïîðàòèâíûå öåííûå áóìàãè, èíûå äîõîä-ïðèíîñÿùèå îïåðàöèè.
14041987
Îò÷åò î ïðèáûëÿõ è óáûòêàõ. Ïî ïðåäñòàâëåííûì â òàáëèöå äàííûì âèäíî, ÷òî áîëåå 80 % äîõîäîâ Óñëîâíîãî áàíêà ñîñòàâëÿþò ïðîöåíòíûå äîõîäû, èç íèõ 90,2 % - ïðîöåíòíûå äîõîäû ïî êðåäèòàì.
d) íàëè÷èå ïðîñðî÷åííîé çàäîëæåííîñòè ñâûøå 5 % îò ñóììû êðåäèòíûõ âëîæåíèé
* ïðè àíàëèçå íåñêîëüêèõ áàëàíñîâ íà ïðîìåæóòêå â ÷åòûðå-øåñòü ìåñÿöåâ ìîæíî óâèäåòü òåíäåíöèþ èçìåíåíèÿ ôèíàíñîâîãî ñîñòîÿíèÿ áàíêà, ÷òî ÿâëÿåòñÿ äîïîëíèòåëüíîé âàæíîé èíôîðìàöèåé.
Âûâîäû î íåäîñòàòî÷íîñòè ñîáñòâåííûõ ñðåäñòâ ïîäòâåðæäàþòñÿ äèíàìèêîé ïîêàçàòåëåé ñîáñòâåííîãî êàïèòàëà (ñì. ïðèëîæåíèå ¹ 8).
17. Ñðåäñòâà êëèåíòîâ
ÐÀÑ×ÅÒÍÛÅ ×ÅÊÈ - ýòî ÷åêè, ïðèìåíÿåìûå äëÿ áåçíàëè÷íûõ ðàñ÷åòîâ. Ðàñ÷åòíûé ÷åê - äîêóìåíò, ñîäåðæàùèé áåçóñëîâíûé ïèñüìåííûé ïðèêàç âëàäåëüöà òåêóùåãî ñ÷åòà (÷åêîäàòåëÿ) áàíêó î âûïëàòå óêàçàííîé â íåì ñóììû îïðåäåëåííîìó èëè ïðåäúÿâèòåëþ (÷åêîäåðæàòåëþ).  íàñòîÿùåå âðåìÿ èñïîëüçîâàíèå â ïëàòåæíîì îáîðîòå Ðîññèè ðàñ÷åòíûõ ÷åêîâ ðåãëàìåíòèðóåòñÿ Ïîëîæåíèåì î ÷åêàõ îò 1 ìàðòà 1992ã., Ïîëîæåíèåì î áåçíàëè÷íûõ ðàñ÷åòàõ â Ðîññèéñêîé Ôåäåðàöèè îò 1 èþëÿ 1992ã., à òàêæå ïîñòóïàþùèìè äîïîëíèòåëüíûìè óêàçàíèÿìè Öåíòðàëüíî áàíêà.
Îñîáåííîñòüþ ðàçâèòèÿ äåíåæíîé ñôåðû â 1996 ãîäó ñòàëî çíà÷èòåëüíîå ñíèæåíèå èíôëÿöèè â óñëîâèÿõ ðîñòà äåíåæíîé ìàññû â ðåàëüíîì âûðàæåíèè: çà ÿíâàðü-àâãóñò äåíåæíàÿ ìàññà (Ì 2) óâåëè÷èëàñü ïðèìåðíî íà 25 %, ÷òî âûøå òåìïà èíôëÿöèè [17,c.18]. Ïðè ýòîì ñîêðàòèëàñü ñêîðîñòü îáðàùåíèÿ äåíåã, ÷òî ñâèäåòåëüñòâóåò î ñíèæåíèè èíôëÿöèîííûõ îæèäàíèé. Ñòàáèëèçèðîâàëàñü íàöèîíàëüíàÿ âàëþòà (ïîä ïðèñòàëüíûì "íàáëþäåíèåì" ÖÁ ÐÔ).

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