Letter to the bank about the activities of the organization (sample). Doing business: from developing a plan to choosing software Basic business pattern

The first is to concisely and accurately formulate the name of the described process, which should be understandable and reflect general essence the sequence of actions that make up the business process. For example, instead of “Submitting an application for manufacturing a product to production and monitoring its execution”, it is enough to name the process “Control of product manufacturing.” The second is to correctly break down the entire process described into smaller (“atomic”) tasks or subprocess functions and decide on the sequence of their implementation. With such a split, the described process will be the top-level process. The granularity of the high-level process may vary, but should be adequate for the understanding of the audience using your description. 2 There are several ways to describe a business process.

Business scheme example for a bank

The commercial department of the Wholesale company prepares them in the amount of 3 copies. The buyer goes to the warehouse. At the warehouse, he receives consumer goods and 1 copy. Of the 2 remaining invoices - one remains in the warehouse for the report, the other is transferred to the accounting department of the Wholesale company.

Agreement Wholesale company-Warehouse The wholesale company and the Warehouse conclude an Agreement for the provision of safekeeping services. On the basis of the concluded agreement, the Wholesale company transfers to the Warehouse the consumer goods for storage. The transfer of consumer goods is recorded by the Acceptance and Transfer Act. On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services.

In addition, the Warehouse provides the Wholesale Firm with a monthly report on the actual issued consumer goods.

Business Processes: Examples and Description

In doing so, they also want the stock of the goods to be always in stock. Whereas the supply department plans to purchase a narrow range and in large quantities.
Indeed, in such cases, they will work effectively, and their main indicator will grow (more precisely, the price from the supplier will fall). That is, there is a business implementation process that departments look at in different ways.

Process approach It considers everything that happens as a set of processes. There are basic and supporting ones. Each process has its own specific goal, which is subordinated to the task facing the entire company.

Attention

In addition, there is an owner who manages the resources and is responsible for the fulfillment of everything necessary. There should also be a system for quality control and error correction.

Business plan for obtaining a loan

If the loan is large, the reserve becomes a rather serious burden for the bank. Providing a business plan helps to mitigate risks, and hence the size of the reserve.
Other cases in which a bank may request a business plan:

1. Long-term lending (on average, from 3 years).
2. Use of credit funds for investment purposes (purchase and construction of fixed assets - buildings, land plots, equipment).
3. Lack of sufficient collateral.
4. Short term of the enterprise (less than 6 months).
5. Obtaining loans on preferential terms (for example, subsidizing agricultural producers).

A business plan may also be needed when obtaining a standard loan. In this case, the entrepreneur can provide it as additional information about business to reduce the risks of the bank and, therefore, the interest rate on the loan.

How to draw up a high-quality business plan that will be approved by the bank

Info

This means that after receiving and using the loan in full, the company must generate sufficient profit to continue to conduct business without borrowed funds (use the loan effectively). The main nuances to consider when developing a business plan: 1.

The plan should take into account the most pessimistic expectations (falling currency rates, an increase in taxes on the company's activities and its property, a significant drop in demand, high inflation, a one-time layoff of a large number of employees, etc.). Employees of the bank's credit department will check the document not only for the correctness of calculations, but also for compliance with the real state of the market.

If the trends in the economic situation are such that the business may be under threat, the bank will have additional questions for the entrepreneur.

Description of business processes: striving for simplicity

Market analysis includes data on consumers of the company's products or services (both active and potential) and what the "seller" can offer to the "buyer";

• enterprise economy. Planning a production development strategy is not complete without economic indicators enterprises.
  The section contains data on the estimated gross profit, taxes, types of costs and ways to reduce them;
• marketing plan. It presupposes the methods of the company to achieve the required level of sales. Try to incorporate into the overall structure of the market the distinctive features (or better, advantages) of your product that will allow you to outperform the competition. It is advisable to compare your activities with competitors in order to clearly demonstrate the promotion of your product or services relative to others;
• technical revision.

The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to denote something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's take a look at a diagram made in BPMN (Business Process Modeling Notation) notation using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are: 1. "Process" (function) - a rectangle rounded at the corners; 2. "Transition" - an arrow connecting processes; 3. “Solution” - a diamond containing a question that can only be answered “Yes” or “No”; 4. Conditions are textual expressions under which the transition from one function to another is carried out. Conditions are always enclosed in square brackets.

How to describe a business scheme for a bank

If a promising picture emerges, taking into account all possible risks, the bank will most likely give you a loan to implement or expand your business. Advice: do not overstate the loan amount in order to compensate for unnecessary expenses, take exactly as much as you need. Reflect implementation borrowed money v financial plan so that the bank can see what its money is going on;

• applications. The appendices include any information that is not included in the other sections of the business alan.

If the bank sees good potential in the business plan and the possibility of quick loan repayment, it can propose to modify it itself.

Therefore, make a plan with full responsibility, both to the lender and to yourself. The business plan is drawn up in detail, but with clear explanations of the business being described.

As a result, it should be clear to both you and the bank.
For rate cash flows in the following years a discount factor is applied. The main mistakes made in a business plan:

• lack of market forecasts, really substantiated data on demand and market conditions;
• technically complex projects that are difficult to implement in the Russian economy;
• lack of the necessary qualifications for the initiators of the project;
• overestimation of forecasted income levels (if this is not justified by any objective data, for example, a signed contract with buyers);
• too optimistic views on market trends (inflation 1%, depreciation of the foreign currency, expectations of subsidies from the state, etc.);
• too much "water" in the business plan.

You can view detailed recommendations and requirements for a business plan on the banks' websites, for example Vnesheconombank (veb.ru) - download in pdf format.
From the point of view of business process management, a document is information on any information medium. Email, report, presentation, SMS - these are all documents. Sometimes it is necessary to display intermediate products. These are blanks, semi-finished products, or just important parts of the work that move from one block of the process to another. Add them in this step. Of necessity. 6 - Add the programs and databases in use The process should reflect which programs and databases are used in it. 7 - Arrange tools and materials If tools and / or materials are used in the process, this should also be displayed. The main points can be outlined in the business process diagram. A detailed description is best given in the comments and special sections of the description. A great option is to draw up a diagram focused specifically on the use of tools and materials.

• Where does the business process begin and how does it end?
• What processes is it associated with? What is exchanged?
• What operations are performed? In what order?
• Who is performing the operations in the process?
• What documents are used and appear in the process? In what operation are these documents used / appear?
• What tools, materials, software and databases are used in the process and in what operations?
• What performance indicators and where exactly are recorded in the business process?

As a modeling notation, I recommend using BPMN. A well-prepared diagram should be easy to understand and sufficiently informative. The diagram of a business process should be understandable to the "person on the street." real life.

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In this article, you will learn:

• What are the basics of running any business
• What are the rules for doing business
• What is a business scheme for?
• What to look for when developing a business plan
• How Russian reality influences the choice of model
• What business models are used in practice
• What are the features of doing small business in Russia
• What business methods are most effective
• What CRM programs to use to facilitate doing business
• Does the internal and external environment affect business

In fact, a novice businessman needs very little: a promising idea, the makings of an entrepreneur and a small amount of money for good start... But even those who do not have all of the above have every chance of starting a profitable business. The main thing is to choose the right direction. In this article, you will learn what good business is.

Business Basics

To understand the basics of entrepreneurship, you first need to clearly understand what a business is. At first glance, everything is already clear. However, the usual understanding of business is superficial, and therefore needs to be supplemented.

First of all, let us note that business is one of the pressing needs of people. But not for everyone, but only for special personalities. Who are they? These are individuals who have a very strong energy. Consequently, people with powerful potential are most eager to start a business. There is certainly nothing wrong with that. But so that a powerful energy flow does not harm anyone, it must be spent. That is why such individuals start their own business. Doing business for them is a way to channel energy into a productive channel.

There are certainly other ways to release energy. But doing business is the most exciting and optimal because it allows you to make money. That is, he converts energy into money. It turns out that doing business is monetizing the internal resources of an entrepreneur. As for its foundations, it is knowledge about the efficient conversion of energy into money.

Let's go deeper and find out where, in principle, is the source of human energy, the one that gives him strength and motivates him to create a business, turning him into an entrepreneur. It's simple - the energy is formed by an incipient idea. A person wants to realize it, and therefore starts a business.

Many people start their own business just because they really want to do business, without having practical knowledge and skills. In fact, they are doing the right thing. Where are they taught to promote new ideas that no one has previously promoted? Nowhere! An entrepreneur gains knowledge and experience in the process of work, learns from his own mistakes. But at the same time, a businessman can learn to work with ideas - both in general and with some specific ones.

Knowing how to work with ideas means understanding the basics of doing business. This knowledge can be obtained by absolutely everyone, in contrast to the knowledge of working with specific ideas. It so happens that entrepreneurs manage to develop their product or service without an appropriate theoretical basis, and a very strong internal motivation helps them in this. It is she who gives the strength to cope with difficulties and successfully run a business. But mistakes and failures do happen and often.

So, all the basic knowledge about business, the basics of doing it, a person draws from his idea. It is she who intuitively tells what and how to do. Accordingly, at good entrepreneurs they have a business sense, and therefore they are not interested in business training. The main thing for them is to tune in to the idea in order to develop it competently.

It is the business idea, and not the start-up capital, as many believe, is the fundamental factor for the development of the business. Those for whom money is at the forefront are not inherently entrepreneurs. Let's say more - thoughts solely about making money interfere with the competent promotion of the business, since they motivate to work exclusively for the sake of money, accumulation of capital, and not the development of an idea.

Business rules that work in every situation

There are many examples when famous millionaires in the United States went bankrupt, but rose again and reached new heights. What's the secret? The fact is that when building a business, they followed two rules - simple and unpretentious, but extremely difficult to execute.

Rule one. Tell yourself that you will implement your idea until the moment you come to the intended goal and create successful business... Let it turn into a life credo. And when you come to the first results, non-standard ideas for maintaining and improving your project will immediately appear. With new knowledge, experience, skills and broadened horizons, you will see new opportunities and perspectives.

The second rule. Don't be afraid to miss. Learn from them, turn another failure into an event that brings you closer to your desired goal. How many failures can you handle? How much do you need? Exactly enough to reach the goal!

But this is not all, this is just a start. When developing your business, be sure to consider other rules for building and maintaining effective business, and there are a lot of them. Otherwise, you will not be successful.

Of course, we do not mean those generally known legislative norms that all businessmen must follow - this is an indisputable fact. We are talking about unwritten rules that any entrepreneur can follow to achieve success.

So, rule one... Consider the perspective of your business when making decisions about your business. That is, if you face a dilemma - big earnings right away, but an uncertain future, or a relatively small profit, but with serious growth prospects - choose the second path. Only in this way will you come to real success and your business will flourish.

Second rule: you need to know all the time what is happening in your business industry. A company owner who has no idea about the trends in the development of his niche can be safely called incompetent and unprofessional. If you are interested in business, you can anticipate potential problems.

Third rule: do not make more products than necessary to avoid overproduction. If there is no buyer for the product, you will work “for the warehouse” and, of course, you will not make money on it.

Fourth rule prescribes stopping production if the product is of insufficient quality. If the product does not meet the established standards, it is better to suspend manufacturing process, find out why this is happening, and try to fix the situation. Don't risk the name of the company.

Fifth rule related to the ethical side of the matter. Build relationships with partners, suppliers and employees only on condition of mutual respect. Only if the relationship is modeled on such a scheme, the project will bear good fruit.

Sixth rule quality work - competently selected staff. Modern business will not be successful without it. The team should include people interested in the development of the company. Make employees personally motivated to achieve their goals - this will make work much more efficient and effective.

Rule Seven: do not be afraid to entrust the personnel of your organization with responsible assignments. After all, it often happens that an ordinary employee knows some questions. better leader... If your people can make decisions, let them do it. When people understand their own worth, they begin to work more productively.

The above rules are key for an entrepreneur interested in growth and profit. By observing them, you can build a profitable business.

Business scheme

A business plan is somewhat similar to a business plan. It also shows all the important elements of a successful business and the way to a high position in the market. It is better to draw up it even before registering as an entrepreneur. Key points will depend on the area of ​​business - Agriculture, production, trade, etc. But there is also general provisions... It is in accordance with them that a business strategy should be formed:

After registration, the business scheme looks like a list of priority tasks that an entrepreneur must perform:

• choose and rent a suitable premises, taking into account the direction of the business;
• hire qualified specialists to make the activity successful;
• establish contacts with potential customers and clients;
• if necessary, form a client base;
• organize the production or sale of goods - open retail outlets, take care of the availability of production facilities.

All these actions must be coordinated with the developed business plan or work scheme, and then the inconsistencies must be eliminated. Activity planning is, in principle, important for both small and big business... Even if an entrepreneur works alone, it is still useful for him to analyze his work in a timely manner and form a plan for a certain period, be it a month or a year. If there is no such plan, the project may become less effective and profitable, because even with a lot of earnings, the businessman runs the risk of not noticing significant financial losses and conducting unprofitable activities. It is important to constantly study the offers on the rental market. That is, you can significantly save on renting an office or production facility. The main thing is to find a cheaper option, but a good one.

It is also necessary to assess the market conditions for goods that a businessman produces or sells. Demand may fall due to inflated prices. Highly low prices on the contrary, they are capable of leading to unprofitable activities.

The project management scheme is developed by the entrepreneur himself. But you can entrust it to a specialist. All that a businessman will subsequently have to do is just follow it in his work.

Why do you need a business plan then

A business plan is a document that answers all questions about a project and gives a complete picture of the company's performance for the near term and long term. The plan can be adjusted if current plans and strategies change.

The practice of doing business is rich in countless force majeure events that can affect the outcome of business. There are so many of them that we would hardly be able to tell about them in the article. In addition, taking into account all the circumstances in one document and formulating the tactics of behavior when they appear is an almost impossible task. A logical question arises: do you need a business strategy, or are there enough basic techniques that you can use as needed? Experience has shown that having a plan is still useful.

With the help of this document, two tasks are solved:

1. Business plan for "internal use":

• As you know, 10 minutes spent on planning saves an hour of intensive work. When a small business company has a well-defined plan, management processes become more streamlined. This is especially true when working in a team. Such a plan excludes discrepancies. In addition, it specifies how each team member should act in a given situation.
• Performance control. A high-quality business plan indicates the main points-indicators to which the company should come after a certain period. By how clearly you go through them, you can judge how effective business processes are, and improve them, if necessary. Also, you have no doubt that employees are striving for the right goals if the leadership is temporarily absent.
• Reducing risks. As already mentioned, force majeure in business is impossible to predict. But a generalized pattern of behavior in a critical situation is a useful thing. Usually, such measures are universal and can reduce risks. Information about who, when and in what situation will take them, should be included in the business plan.

2. Business plan for investors.

A business master plan isn't just for internal use. In some cases, it can be provided to outsiders. Often, a business plan is analyzed by potential investors in order to draw conclusions about the feasibility of investments. The decision of the investor to cooperate with you depends on how well all the nuances are worked out in it. The business plan acts as a conditional "IOU", and it must be followed.

A good business plan makes it easier to do business.

Before compiling it, it is necessary to assess the current situation in advance and analyze the information. One of the most popular tools for preliminary assessment of the situation, especially in a small business, is a SWOT analysis, which structures all the data.

What is a SWOT Analysis? It is needed to assess the internal and external resources of the organization, to draw up an objective picture for a business plan. It includes elements such as:

• Strengths - weak sides product or service. Here one can note a low cost of goods, a high professional level of employees, an innovative component in a product, a beautiful packaging design or high-quality service, etc.
• Weakness- weak sides. For example, the company does not have its own retail space, the brand is not very recognizable among the potential target audience etc.
• Opportunities- business opportunities, for example, the use of new materials in the work and technological solutions, additional funding, etc.
• Threats- threats to business. Here we can talk about the unstable economic situation or political situation in the state or region, the peculiarities of the mentality of buyers, the level of technology development in the territory where the project is being implemented, etc.

Before proceeding to the detailed filling of the sections of the plan, prepare the maximum amount of additional data for the future project. Analyze the industry, establish what methods you can use to promote your product, study your competitors. Also assess the extent to which your company will make tax payments, what resources the future project has, for example, financial, intellectual, time, personnel, etc.

Based on this data, you will understand how to develop an effective plan, and you will not have to search for information for its sections in parallel. You will save time and achieve good results.

What is the basis for choosing a business model in Russia

The location of the business is a very important parameter. In management, as in an activity management system, the mentality of citizens of the state in which the company operates is taken into account. There is still no developed and well-established business culture in Russia. Own development models, one might say, are absent, since from the very beginning the companies set the goal of getting closer to European standards.

Mentality is a very strong element, which cannot be said about unstable market conditions. Therefore, if an entrepreneur does not take it into account, then in advance he dooms himself to improperly organized business processes.

When setting up a business in Russia, he should take into account two main features of the mentality:

1. Family ties still valid. They do not allow you to organize a business based solely on professional level and qualifications of counterparties
2. A Russian businessman first calculates the competitor's income and tries to do everything possible to get around it. If there is no such prospect, he simply does not start a business.

Due to these two factors, Russian business is developing slowly. As a rule, the behavior of modern Russian enterprises is based not on an internal mission, but on the desire to form a certain image. In principle, this is also a rather positive trend, despite the presence of pragmatic goals.

Taking into account the specifics of the mentality in management, different types of thinking are formed. Now in Russia there are the following:

• Industrial: it is based on product, methods, tools and production volumes. They do not focus on the concepts of the external environment, the needs of the target audience and directly target audience.
• Marketing and financial: the main goal of doing business with this approach is to achieve the desired level of sales and operating profit. The result of actions within the framework of this business system can be a formed brand. However, it will not have a value component.
• Communication: is formed on the basis of forecasting and modeling the development of business processes. Entrepreneurial activity is a system of interaction between groups of persons influencing the existence of an enterprise (we are talking about founders, managers, employees, clients, contractors, government agencies, the media, competitors, public institutions).

The term "business model" is often confused with strategy, as a result of which there is a substitution of concepts, or it is considered one of the elements of strategy. This confusion is explained by the fact that the concepts are similar to each other, but at the same time they are not the same. They differ in the following points:

1. The factor of value creation and their transformation into income. The purpose of a business model is to describe the method by which an enterprise makes money on a product or service. Strategy, on the other hand, captures more distant prospects and creates a stable competitive advantage.
2. Price commercial activities or the owner's income. Converting the value of a commercial activity into an owner's income is not the primary objective of the project's business model. And in this it differs significantly from strategy. That is, she does not focus on ways to make a profit, but at the same time significantly affects the income of the company's owners.
3. Business qualification level. No special knowledge is required to form a business model of an enterprise. At the same time, in order to develop a strategy, a more in-depth analysis is needed, for which you need to have certain knowledge in the area where the company is developing.

For a visual representation of the relationship between business model and strategy, pay attention to the formula presented by M. Levy:

V = MS, where

V - value, M - business model, S - strategy.

It shows that a company wishing to implement the chosen strategy should choose the most optimal business models for itself, on the basis of which it will subsequently develop and create value for consumers.

Types of business models

• Franchising. A form of relationship between business entities, in which one transfers to another the right to engage in certain activities according to an already existing and proven business model.
• Direct sales. Sales of consumer goods and services from person to person outside stationary retail retail outlets.
• B2B(Business-to-Business - business-to-business). Form of information and economic cooperation. B2B collaboration is classified by the type of persons involved - in this case, it is a legal entity. Businesses supply goods and services to other firms, not end customers. Let's say they are producing promotional materials for another organization that promotes them.
• B2C(Business-to-Consumer - business to consumer). A type of e-commerce activity, the purpose of which is direct sales. Effective solution problems of territorial remoteness of large and small cities through unification pricing policy and the work of delivery services.
• B2G(Business-to-Government - business for government). There are two participants in the system - the state and business. This business technology characterizes e-commerce and is used, for example, in the organization of public procurement.
• G2B(Government-to-Business - government for business). A set of software and government tools for online collaboration executive bodies authorities and commercial structures (websites of government agencies, government purchases, and so on).

Business forms are also classified differently:

1. Manufacturer. In this case, they release physical goods, intangible products (music, films) or services. Who will act as a target audience - a client or a distributor? The main goal here is to produce the in-demand product and deliver it through an efficient channel.

This business model is of 3 types:

1. Direct marketing to the consumer, within which the product can be purchased from an online store or a traditional retail outlet owned by the company. This system of doing business has a number of advantages: there are no intermediaries, income grows, and relationships with consumers are built directly (through free support, detailed product presentation, and so on).
2. Sale to distributors and wholesalers and retailers. The product is sold to special trade specialists who are able to reach end consumers through a variety of channels. Most of the manufacturing firms belong to this category.
3. Transfer of exclusive rights to distributors. Manufacturing firms enter into a cooperation agreement with one or more intermediaries. This is how they form a monopoly on competitive products in a certain area and make a big profit. This group of sellers includes, for example, auto manufacturers, film producers, and writers.

2. Distributor of goods and services. Intermediaries are the main link between the manufacturing company and the buyers. Their task is to combine products from different companies in order to scale sales. Distributors increase margins and reduce logistics costs. The competition in this market is very fierce.

In this model, the following types are distinguished:

1. Retail(including e-commerce) for general purpose, where many vertical products are involved. Buyers interact exclusively with distributors for all products, which is a value proposition in such a business. For example, Amazon and Walmart online platforms work according to this model.
2. Niche targeting(narrow focus). In retail general purpose a wide range of products is sold, and product specialization distributors work with a specific product group. Examples of doing business with this model are Toys 'R' Us and Babyoye.
3. Personal sales club. Here, consumers pay a certain amount for a membership at fixed intervals and thereby gain personal access to an exclusive discount system for leading brands. For example, Costco, Sam's club, Gilt, Exclusively.
4. One product per day. This is the business model for Woot. Instead of selling hundreds of products, the firm offers only one product every day at a large discount. Thanks to this, manufacturers succeed in as soon as possible get rid of excess in warehouses, and the distributor - to sell products in large volumes. Consumers receive information about a particular product every day.

3. Integrated model. It is used by traditional retailers, whose goal is to increase the flow of customers at the expense of Internet users. So, buyers choose a product and pay for it on the distributor's website, and the store or warehouse gives them this product.

4. Model "Razor and blade". In accordance with it, one product is sold at a reduced price with an eye on the subsequent implementation of another. Business examples: Most Gillette razors are inexpensive. But to buy cassettes for them, the buyer needs to spend money. To support this business model, the additional product needs to be patented or tied to a platform so that competitors cannot release it.

5. Brokerage business model- the element that connects buyers and sellers, with receiving a commission for their services. It makes huge profits when it takes advantage of its monopoly advantage. This technology of doing business differs from others in scale and network effects. It does not give the desired results without the proper number of buyers and sellers.

In total, this business model can exist in 6 variants:

1. Sale physical goods. Buyers become bidders and the highest bidder takes the product. According to this model, the world-famous Ebay platform works effectively.
2. Rent of physical goods. Buyers for a limited period of time (usually during the holidays) are given access to properties for sale. This is what Airbnb.com does, for example.
3. Platforms for the sale of virtual goods. For example, Apple and Android offer third-party applications to users of the platform.
4. Financial goods. This category includes all brokerage companies, banks and financial institutions.
5. Social services. Sites such as oDesk, Elance, 99designs, Amazon Mechanical Turk (MTurk) offer their audience services for certain types of work that are popular with buyers (employers).
6. An experience. On the Sweemo website, users can experience new sensations for themselves and get an unforgettable experience from visiting a bright show, backstage, studio, etc.

6. The business model of the landlord. The company rents premises or goods for a specified period for a specified price. This group includes hotels, airlines. This business model is applied to physical goods. But in last years it also applies to online products, for example, electronic books, music.

7. Advertising business model- leading in the work of Internet sites. Their main source of income is content generation. The content of websites and advertisements is developed taking into account the specifics of the Internet business model.

If the content is interesting and provides an influx of users to the site, the businessman places his ad. The main difficulty of this model is the AdBlocker tools (some fragments of the page with unpleasant banners, pop-up windows, etc. are blocked), as well as the cautious attitude of the site's audience to advertising.

This business model is presented in 3 main forms:

8. Business model based on subscription. According to it, income is generated from recurring payments from customers, for example, telephone and rental houses. The business model is also suitable for companies that create software and offer it as a service (SaaS). The main problem of the model is the massive termination of contracts with subscribers when they go to competitors or to another product.

9. Affiliate (affiliate) marketing . The main component of the model is the service provided to the client. At the same time, as an addition, he is offered to become a member of the affiliate program for a commission. Good example application of the model - Indian search engine Justdial. Users contact the company for information about hotels, establishments Catering and so on, and Justdial connects them to 3-5 service providers for a commission.

10. Multilevel Marketing. The goal of doing business with this model is to convert some customers to the salesperson category. Typical representatives are Amway and Tupperware. In accordance with multilevel marketing, the customer audience is divided into specific levels. Customers who actively bring their acquaintances and friends to the distribution company receive the largest reward. The main problem with the model is that consumers often resist and fear commercial interest in themselves.

Features of doing small business in Russia

Aspiring entrepreneurs start their own businesses for a number of reasons. They close the business for an even more extensive list of reasons. Yes, the dashing 90s, which everyone knows about, have long since sunk into oblivion. The legislation of the Russian Federation has stepped far forward, and despite the remaining gaps in it, small business in Russia is no longer a gamble.

Small business in Russia has specific features due to a number of conditions, in particular:

• the political environment;
• the economic situation;
• measures taken by the state in terms of the development of economic activity;
• support measures;
• legal assistance in the field of small business;
• tax policy;
• financial and credit conditions;
• standard of living in the state.

So far, all of the above factors are far from ideal, which interferes with the normal conduct of business, and this should be taken into account by everyone who plans to start a business. And this situation will remain until Russia develops, including in the production direction, thanks to the economic, legal, social and tactical measures laid down by the government.

Rosstat data show that 50% of all companies in the small business segment are trading. Why? The point is what to take industrial premises renting is now expensive, paying taxes seriously hits the pocket, and the state does not provide special support to entrepreneurs. It is much easier to open an office and sell something to order than to release and then sell a product. And this is the train of thought of every second novice businessman.

Also, young entrepreneurs are afraid of tax officials and representatives of government agencies. But today these fears are completely unsupported. If your plans do not include the sale of prohibited types of products (drugs and weapons), then you will often not have to deal with officials. And if the accounting department is in perfect condition, then never at all. Be that as it may, both entrepreneurs themselves and the state should strive to create fair and comfortable conditions for doing business.

3 Proven Business Practices

"Chinese" method

It is characterized by speed and mobility. For a businessman who works according to this scheme, the main thing is more and cheaper.

All profits must be collected within 3-4 months, otherwise someone will certainly come up with something cheaper. Entrepreneurs should be ready for quick earnings and a lot of business ideas, even shallow ones, because they lose their relevance within the framework of the "Chinese" method in the shortest possible time. New entrepreneurs are emerging to improve these concepts and make them cheaper. Therefore, there is a risk of being out of work.

Everyone chooses the way of doing business individually. If a businessman does not like to prepare for a long time and is interested in making quick money, this form is not for him. If his plans are to use loans, then you need to have 10-12 ideas at once. Only in this case can an entrepreneur achieve the desired results.

Businessmen following the "Chinese" model are constantly generating ideas. They quickly get bored with everything, and they easily start everything new, practically not afraid of difficulties, unlike others.

Courtship method

This way of doing business is suitable for those who enjoy looking after others. Example: you sell upholstered furniture and me. How are we going to compete? We are preparing such an advertisement: if you buy upholstered furniture from me, and not from a neighbor, you will receive an armchair as a gift. That is, bypass competitors by providing additional services.

The essence of this model is that the client needs to demonstrate quality service. You will always have customers, not because you are a professional, but because you know how to serve your customers well. The “caring” way is aimed at long-term business conduct. The main thing here is not to create a network, but an atmosphere. When a person wants not to eat a certain dish, but just go to a cafe, because he likes the service, the setting, the atmosphere. That is, it is important to establish contact with consumers, to be able to serve them in a quality manner, and the highlight should be in the services, since the content will not differ in any way from competitors.

Aristocratic method

Exclusive products for the "elite". Let's say you are a master jeweler. You have crafted a piece of jewelry engraved with Faith. Hope. Love "specially for a family where the grandmother's name is Vera, the daughter is Nadezhda, the granddaughter is Lyubov. That is, the product is exclusive. Accordingly, its prime cost is high, since it was created for a limited circle of consumers.

The emphasis in this model is made on exclusive. You are selling a product that is exclusively for someone. Therefore, it costs corresponding money. Let's say a well-known business coach conducts trainings for 100 thousand rubles. The high price is due only to the promoted name, despite the fact that the coach graduated from the same higher educational institution like others. Exclusive clients go to him to say later: "I attended the training of this specialist, I can afford it."

1. amoCRM.

Uncomplicated SaaS CRM system to form a database of contacts and record transactions (linked to contacts). Contacts and deals can be tagged. Taking into account the amount and status, a sales funnel is formed. There is an API. It is possible to add fields to the cards of deals. Integrates with MailChimp.

1. Megaplan Sales.

The tool provides joint business conduct for a small and medium-sized enterprise of any profile. Designed for increasing sales, personnel management and remote work. The system is equipped with CRM, invoicing, transaction control, task manager, file server, internal mail, forum, and a module for working with employees.

1. Client base.

A simple and convenient system that allows you to maintain a single database, form any tables with more than 8 types of fields, delimit user access rights to information, make personalized email newsletter by scheduling time and attaching files, create documents with templates based on the database from any tables, and so on. It comes in 3 versions: Local, Web and SaaS.

1. Simple Business.

Tool + software client with which it is convenient to manage tasks, projects and allocate your time. It is also designed to automate the processes of managing a company, a corporate website, communication and teamwork (e-mail, telephony, video and audio conferencing, chat, etc.), relationships with customers, employees. It also allows you to automate document flow and delivery of reports to tax office and funds, management of accounting and contractual documents. Suitable for installation on your own server.

1. FreshOffice CRM.

Cloud ecosystem for business. Consists of the following modules: CRM, Marketing, Document Management, Orders, Telephony, Analytics, Warehouse and Financial Accounting, Email, Chat and others. The user's enterprise collectively works in one window of one application, continuously evaluating the effectiveness and monitoring the activities of each of the departments. It is safe to say that the program provides ease of doing business.

1. WireCRM.

An online tool for accounting customers, which can be successfully used by entrepreneurs, small and medium-sized companies. WireCRM provides a basic set of accounting tools (Contact Manager, Deals Accounting, Events Calendar, Mail and Telephony Integration, Export and Import). Also, this business system has an application store that allows you to install additional functionality. The tool is simple and not overloaded with unnecessary functions, however, if required, it is easy to add them.

1. Zoho CRM.

CRM for small business segment companies. Offers modern ajax tools. Advanced functions for sales management. Integration with other Zoho services (in particular, spreadsheets). Also, the program is equipped with built-in tools for integrating with the enterprise website. An interface in Russian is provided.

1. SalesapCRM.

Online service for accounting of clients and transactions. Saves the entire history of dialogues with customers, records of calls, allows you to monitor personnel, manage tasks and projects, and receive online reporting. It independently creates tasks at each stage of the funnel, notifies about the upcoming deadline and automatically sends an SMS notifying the client.

1. Things are going.

Cloud CRM for small businesses. Convenient and easy to use. Affordable price is a significant advantage.

1. GEN CRM.

Convenient and functional service for doing business. It integrates with the website, e-mail, telephony, SMS and e-mail, Yandex.Metrica, 1C and any other external system. Powerful analytics: sales funnel, bounce analysis, daily summary and other reporting.

Doing Business Successfully on the Example of Facebook

The history of Facebook is a great example for all companies looking to achieve business success. The social network became ubiquitous, becoming famous all over the world, and its founder, Mark Zuckerberg, became the youngest billionaire in history.

It is important to understand that Facebook ranked first in the world for a reason. He received a breakthrough in the Internet space thanks to a solid foundation - the scientific method.

The scientific method of doing business is a set of methods for obtaining new knowledge within the framework of a particular science. And here Mark Zuckerberg's breakthrough is almost no different from discoveries in the medical industry or, for example, in physics.

Facebook is not only a consequence of the implementation of the talented ideas of a simple Harvard student. The emergence social network- a logical continuation of the centuries-old development of communication systems between people.

Einstein and Fleming also did not make breakthroughs from scratch, despite the fact that they were geniuses. Their discoveries are based on the information that other researchers have accumulated over hundreds of years.

The main advantage of the scientific method is that it allows you to assess the potential of an idea before its implementation.

To understand what helped companies like Facebook or HubSpot skyrocket, look at a simple model proposed by a well-known venture capitalist named Chamath Palihapitiya. At one time, he served as VP of Development for Facebook:

There are 3 stages here:

1. Top of the conversion funnel. Traffic Sources and Conversion Rate.
2. WOW is the moment when a person realizes a real need for your product. Early experiences and first impressions are formed.
3. The main value of the product. The stage at which the client begins to solve their problems with the help of the product.

The point is that for sustainable business development, you need to pay attention to each stage. If the product is not in demand, it makes no sense to try to increase traffic. It is also ineffective to improve product quality if there is no competent lead management.

When improving business processes scientifically, certain sequential steps are taken.

Step one: hypothesis

First of all, you need to establish what issues are most relevant to you - sales channels, target audience, market positioning or, perhaps, an advertising strategy?

Step two: prediction

At this stage, a hypothesis is developed and appropriate conclusions are drawn. In our case, it looks like this: “Since the representatives of our target audience are mostly students, the placement of advertisements in print media will not give the desired results. "

Step three: check

The hypothesis formed at the previous step must be checked. For example, you might ask students how often they buy newspapers and magazines and whether the advertisements there are catching their attention. But first, it's better to test the initial hypothesis and understand whether your main target audience is really students.

Step four: conclusions

If the test shows that the hypothesis and assumption are correct, it is necessary to study all the collected data and draw conclusions.

If you find an error, make a new guess and suggest a new hypothesis. Remember, even a wrong step is a step towards a goal. So don't be afraid to experiment and make mistakes.

Does the environment affect business

According to some researchers, on effective work all elements of the company are directly influenced by external factors. Here we mean the “external business environment”, which is characterized by:

• frequent fluctuations in exchange rates;
• fashionable market trends;
• demand among consumers for a particular product.

Aspiring entrepreneurs should understand how important it is to adapt to the needs of the general population if they plan to manufacture products specifically for them. It doesn't matter if they want it or not. If the goal of entrepreneurs is not only to keep the company afloat, but also to increase its assets, they should certainly take into account the influence of external parameters.

Internal factors of functioning (internal business environment) of an enterprise are characterized by:

• the volume of manufactured and sold goods,
• number of outlets (economic business environment), their strategic location,
• qualification of full-time specialists,
• staffing level,
• the atmosphere in the team, the relationship between management and staff,
• satisfaction of the organization's personnel with their position,
• the degree of responsibility of each employee's attitude to work,
• the level of commercial education of the head of the company (business environment of the company).

External and internal business environment - the fundamental factors in the activities of any enterprise.

When doing business, responsible divisions of the enterprise are necessarily formed. If the external environment sets the requirements for the demand for a particular product, and the company does not meet the needs of society, then it’s time to assemble a board of directors and solve pressing problems, adjusting the development and conduct of business, closing the production of individual products, opening new branches and subsidiaries. who will produce the required product.

The impact of the external environment can be divided into two groups: macro-and micro-effects. This classification allows you to clearly study the aspects that are important for understanding entrepreneurs who are interested in successful business. These aspects affect the business environment of the company. Each is unique despite the relationship between them.

The first group is the determining one when planning the activities of an enterprise in the foreign market. At the diagnostic stage, they draw up a business plan, which reflects the interaction of the enterprise with other firms or the state, outline different options for doing business and actions in case some factors interfere with their implementation. Business plans drawn up from this angle define the essence of the firm's activities (development of the business environment). And already taking them into account, analysis and planning of further work are carried out.

When analyzing microeffect, one must take into account the conditions of existence in which the company is now located. When analyzing them, it is necessary to take into account the frequent changes in modern market conditions, so it is necessary to provide for all directions of unexpected development of events. In fact, this directly affects the planning of the internal structure of the company and its narrow profile activities.

The activities of different enterprises can radically change under the influence of different global processes, for example:

• legislative trends;
• new products of technical progress.

They change all the time. Also, the conduct of international and Russian business largely depends on the financial solvency of buyers for whom the company produces goods, as well as on the creditworthiness of citizens and the state banking system in general, the degree of development and profitability of competing firms.

Tracking these parameters is difficult, almost impossible. This is where the commercial professionalism of the owners of the enterprise comes into play, who are forced to constantly analyze the position of the company in the market and take into account that its trends can change very, very quickly. And, as already noted, this is due primarily to the processes in the legislation.

The principle of business management using the business model of the enterprise is shown.
But any practicing businessman will say that the presence of such a model is completely insufficient for real activities. And he will be right!

Today we will focus on more issues than modeling material and financial flows.

This is the development of business schemes and the description of these schemes in the form of legal and accounting documents.

Such a package of documents differs in content from an investment project, it is an activity organization project or an organizational project.

The need for organizational projects arises very often.

Let's consider the features of creating an organizational project using a specific example.

The Commercial Director of the Wholesale Company received an offer from the Supplier for the supply of consumer goods (consumer goods) with a deferred payment. The Supplier plans to supply 12,000 units in total. Consumer goods, such as electric kettles, at a price of 1000 rubles / piece. in lots of 4000 pcs / month Deferral of payment for each batch of 3 months. The commercial director knows that his company sells such teapots at a price of 2000 rubles / piece. He agrees to enter into a supply contract.

We need to develop an organizational project for this deal.

Participants

First, we need to identify all the real participants.
In addition to the Supplier and the Wholesale company, the transaction includes the Buyers and the company providing warehouse services.

Supplier: carries out the delivery of consumer goods to the Wholesale company, receives payment for the supplied consumer goods

Wholesale company: receives consumer goods from the Supplier, pays them back, sells consumer goods to Buyers, pays for warehouse services for storing consumer goods

Buyers: Purchase and pay for consumer goods from the Wholesale company

Warehouse: Provides services to the Wholesale company for the storage of consumer goods, receives payment for the services rendered

Work procedure

When the activity diagram is created, you need to describe the sequence of actions to implement the transaction. We simultaneously write down all the numerical values ​​that we know.

1. The Supplier and the Wholesale Company enter into an agreement on the supply of consumer goods
in the amount of 12,000 pcs.

Delivery is made in batches of 4,000 pieces, 1 batch per month.
Cost of consumer goods - 1000 rubles / piece.

2. The wholesaler leases additional storage space. Rent cost - 0.2 million rubles / month.

3. A wholesale company sells consumer goods to buyers. Sales plan 1500 pcs / month

Sale price - 2,000 rubles / piece.

5. The wholesale company pays the Supplier according to the schedule.
Payment schedule: 4 months - 4.0 million rubles, 5 months - 4.0 million rubles, 6 months - 4.0 million rubles.

Economic modeling

Then we describe the material and financial flows and create an economic model of the transaction. Then we will be able to determine whether the Wholesale company can pay for the delivery of consumer goods on time.

Supply of consumer goods

Sale of consumer goods

Warehouse

Financial flows

Cash flow is always positive. This means that there is enough money from the sale of consumer goods to pay the Supplier on time.

Everything that we have described can be drawn up in the form of one document.

Such a document, which describes:
- Participants
- activity diagram
- work procedure
- economic modeling
can be considered as a detailed feasibility study or a small business project for obtaining a loan.

For a real deal, the development of an adequate workflow is also required.

Document flow

We will draw a new scheme, taking into account all the documents necessary for the implementation of the activity.
As you can see, the workflow scheme is more complex than the activity scheme.

Three large blocks are visible on it, showing the relationship of the Wholesale firm with other participants.

The basis of interaction is the agreement between the Wholesale company and:
- Supplier
- Buyers
- Warehouse

Let's consider these blocks in more detail.

Wholesale Supplier Agreement

The contract for the supply of consumer goods is concluded between the Supplier and the Wholesale company.
The amount of the contract is 12.0 million rubles. Validity period not less than 6 months. The contract must contain a schedule of payments for the delivered consumer goods.

Each consignment of consumer goods is transferred according to the Acceptance and Transfer Certificate.
Payment for each consignment of consumer goods is formalized by the Protocol.

After paying for the last batch, it is necessary to draw up a protocol of mutual settlements and sign an act on the implementation of the contract.

Interaction Wholesale company-Buyers

A purchase agreement between the Buyer and the Wholesaler is not required.

A buyer wishing to purchase a consumer goods receives an invoice.

After paying for it, he draws up invoices for receiving consumer goods. The Commercial Department of the Wholesale Company prepares them in the amount of 3 copies.
The buyer goes to the warehouse. At the warehouse, he receives consumer goods and 1 copy. issued invoice.
Of the 2 remaining invoices - one remains in the warehouse for the report, the other is transferred to the accounting department of the Wholesale company.

Agreement Wholesale company-Warehouse

The Wholesale Company and the Warehouse conclude an Agreement for the provision of safekeeping services.
On the basis of the concluded agreement, the Wholesale company transfers the Consumer Goods Warehouse for storage. The transfer of consumer goods is recorded by the Acceptance and Transfer Act.

On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services. The invoice is issued in advance for the next month. The wholesaler pays the invoice.

At the end of the month, the Warehouse and the Wholesale Firm sign an acceptance certificate for the delivery of work for the amount of services provided.

In addition, the Warehouse provides the Wholesale Firm with a monthly report on the actual issued consumer goods.

Organizational project

The described interaction of participants in this transaction is rather arbitrary. There may be differences from this interaction options.

In a real company, any business scheme involves the coordinated work of several responsible employees of the company, associated with the preparation of the necessary documents.

Further, a production meeting is held under the leadership of the general director, the entire package of documents is approved as an organizational project.

Organizational project creation

Conclusion

After the organizational project is approved, it begins to be implemented.

Of course, any employee who has been working at the Wholesale Company for a long time will say that there are no organizational projects in the company, everything works by itself.

Far from it. The agency, as a consulting firm, had to work out together with clients many times the schemes of doing business, drawn up in the form of organizational projects.
Look on the website

Now imagine a budding entrepreneur who scrapped the money for a business plan and was even able to get an investor's funds. There is still so much work ahead of him that he simply does not know about.

Therefore, in addition to the development of investment and business projects, the Agency provides services to entrepreneurs on

The agency not only creates the necessary organizational projects, but also conducts trainings for employees on the workflow of the business being created.

However, one should not be overly optimistic about future activities - failure to fulfill the parameters of the business plan may result in sanctions from the lender. An individual entrepreneur without employees, unlike an LLC or other legal entity, it is not required to analyze the management structure and optimize personnel costs. How to draw up a business plan for bank approval of a loan The business plan of each specific company is unique. Its volume is not so important for the credit institution, the bank should see in it the real prospects for the development of the organization, the possibilities for repaying the loan in full, as well as the benefits of lending for the general financial recovery companies.

The business plan should contain an approximate list of providers and consumers of the service. Naturally, when it comes to opening a store retail- there can be no talk of consumers. But you should definitely consider the prospective suppliers of goods or raw materials for production, indicate their approximate prices.

InfoIt is great if there are any preliminary cooperation agreements with suppliers. The list of suppliers and consumers should include:

• Company name;
• work period;
• volumes of supplies or purchases;
• any information characterizing the company as a stable reliable partner.

4. Real market analytics. If the project is small and the loan amount is insignificant, you can use data from surveys and open publications.

• Marketing. V marketing plan the volume and profitability of sales, potential consumers should be considered, the sales market and competitors should be analyzed. Particular attention should be paid to the analysis of competitors' work, since it is they who can significantly complicate the implementation of the project in full.
• Legal aspects of organizing an enterprise or implementing a project - costs for legal support, licensing and other costs and possible difficulties, ways to resolve them;
• Justification of financial costs.
  One of the most important sections of a business plan.

  Business scheme 🚇 example for a bank

  It is worth considering in detail the need for financial resources, the procedure for their use, depreciation of fixed assets.

Business plan for obtaining a loan

In the event that an entrepreneur plans to take a large loan for a period of 10 years, and the project itself (for example, the construction and commissioning of a new workshop) will be implemented for 1 year, the bank will inevitably have questions why, given a smooth business plan and availability significant profit, the business is not able to repay the loan in 5 years? And vice versa, if the loan is taken for 5 years, and the project will last 3 years, when the break-even point is reached in the next, 4th year, the lender will ask the question, at the expense of what incoming payments will the loan be repaid? 3.

Description of business processes: striving for simplicity

When lending to legal entities and individual entrepreneurs, especially long-term or for certain investment projects, credit organizations as additional guarantees payments Money require the provision of a business plan. This document is extremely important both for the approval of the application and for the subsequent smooth repayment of the loan. When a bank can request a business plan The main task of the bank is to extract the maximum profit from the available own funds without losing part of them due to the late fulfillment of obligations by the borrowers.
Additional losses of the so-called "lost profit" arise when large amounts reservation. According to the standards of the Central Bank, the amount of the reserve in the absence of a business plan for an organization that is just starting its activities ("start-up" loan) is at least 21% of the amount of the loan.
To get a loan for creating or developing a business, you need a well-written business plan. It must reflect comprehensive assessment development of activities, analyze the state of the market, consumer demands, the level of competition and, as a result, the economic efficiency of the project. The article provides and disassembled a sample. How to draw up a business plan for obtaining a loan from a bank To get a loan from a bank, a business plan is drawn up so that the bank sees the prospects for the development of the project and, of course, the full repayment of the loan on time. First of all, a business plan must be competently drawn up from a financial point of view: the bank is interested in points regarding collateral, guarantors, debt obligations, the speed of turnover and profit growth. Make a business plan honestly: it is not necessary to indicate an overestimated income growth specifically for the bank. The main thing is that there is a systematic growth.

How to describe a business scheme for a bank

In the section Banks and Loans, when asked, the Bank asks for written explanations about the specifics of doing our business. the best answer given by the author Alexander Zimenko is Hire a competent person, he will write. Only you will have to tell this person about your business, otherwise how will he write? I easily provide this service to my clients, asking a few clarifying questions beforehand. Answer from 2 answers Here is a selection of topics with answers to your question: The bank asks for written explanations about the specifics of our business.

sample statement on establishing the fact of recognition of paternity tags: Acknowledgment Acknowledgments Help on the lit-re AP Chekhov story Surgery. tags: Literature At Chernyshevsky-victim-boots soft-boiled.

Attention

The business process diagram reflects its essence and mechanism of work. It is not very difficult to create a schema by itself. It is enough to understand what questions the scheme should answer and adhere to the creation algorithm. If you are anxious to get started creating models or you do not know where to start, this article is for you.

I want to remind you that before you start describing business processes, you need to establish their boundaries. The list of all business processes of the company is the platform from which to start. The algorithm that I present here will be useful to those who are just going to describe business processes. For those who studied with me, the article will be an excellent repetition of the passed)))) 1 - Set the boundaries of the process Each business process begins and ends with an event. The first thing to do is to mark the start and end events.

Of course, any employee who has been working at the Wholesale Company for a long time will say that there are no organizational projects in the company, everything works by itself. Far from it. The agency, as a consulting firm, has repeatedly had to work with clients to develop business schemes, designed in the form of organizational projects. Look on the website About the design of business schemes. Now imagine a budding entrepreneur who scrapped the money for a business plan and was even able to get an investor's funds.

There is still so much work ahead of him that he simply does not know about. Therefore, in addition to the development of investment and business projects, the Agency provides services to entrepreneurs in organizing the activities of a start-up company using project management technology. The agency not only creates the necessary organizational projects, but also conducts trainings for employees on the workflow of the business being created.

Composition of a business plan A business plan should include the following sections:

• summary (summary). It reflects the merits of the project, its profitability, methods of entering the market or expanding within it (if a bank loan is needed for business development). This section comes first, but should be written last to summarize the main points of all the previous sections;
• characteristics of the industry. The concept of a business is presented here: information about a company, its products or services (structure, sales market capacity, growth trends, competition, etc.). The information should be as specific as possible;
• market research and analysis. It is better to draw up this section in the first place, since the prospects for the development of the company and the incentive for drawing up a business plan depend on its indicators.

• Categories
• Business law
• I AM individual entrepreneur(IP), I produce lumber for construction companies... The bank asked to submit in writing the economic sense of conducting transactions on the account, referring to the Law of 07.08.2001 No. 115-FZ. I transferred funds to my personal accounts in other banks within a month in the amount of 1.3 million rubles received from counterparties for I have prepared an answer with the following content: In accordance with the provisions of the Federal Law of the Russian Federation of 08/07/2001 No. 115-FZ, you asked to explain in writing the economic meaning of conducting transactions on an individual's own bank accounts opened in other credit institutions.

Answer to the bank's request about the economic meaning of transactions on the IP account

We chatted with an employee, said that the bank starts to get excited when the turnover is more than 300 thousand on all cards. Again, on the basis of Mike's letter, an answer was drawn up:
Rostov-on-Don from In response to your appeal No. dated 2015, I would like to inform you the following: The bulk of the funds deposited by me into my current account are my own savings of previous years, if necessary, I am ready to provide certificates in the form of 2NDFL confirming my income. You can also make a request to the credit bureau if my financial solvency raises questions.

The economic meaning of the operations indicated in the statement from the Internet bank as "MS VPP DEPOSIT FOR MTSBANKMOSCOW RU \ 643 \, Moscow, Moscow," ...

If, after my message, the authorized employees of your bank have doubts about any of my operations, I ask you to immediately notify me about this by phone +7 and e-mail, as well as provide in writing a list of operations classified as “dubious”. I look forward to further cooperation with your bank.
He took it to the bank, called back, asked to bring the 2-NDFL certificate, brought it. The cards were not blocked, we are working on. Urals The next was the UBRD bank.

The girl said that their security service blocked me and I needed to bring my documents. When asked which ones, she replied unexpectedly: “You'd better know which ones, you can see that you are experienced.”

Sample explanation of the economic meaning of the operations performed sample

I'm not sure if the answer is legally sound enough, could you comment or add to it?

Explanations to the bank: sample document

Minimize Viktoria Dymova Support Officer Pravoved.ru Similar issues have already been considered, try looking here:

• How legal entity to answer the bank's request for an explanation of the economic meaning of transactions on the account?
• What is the correct way to respond to a bank request with an explanation of the economic meaning of the operation?

Lawyers Answers (1)

• All legal services in Moscow Assistance in obtaining a bank guarantee to secure applications under 44-FZ and 223-FZ Moscow from 15,000 rubles. Comprehensive support tenders Moscow from 10,000 rubles.

Explanations to the bank

Good evening, Dmitry! You should ask yourself a question on what grounds the bank has a question for you. Each bank tries to protect itself from an unscrupulous client who can cause irreparable damage to the bank with its activities.

Therefore, the bank has reason to believe that you are engaged in illegal entrepreneurial activity... It is in your interests to provide the bank with information on cash flow and explain that you do not violate the norms of the current legislation. And also for your information: From January 1, 2015, it is stated in new edition clause 3 of Art. 76 of the Tax Code of the Russian Federation, which establishes the right of the tax authority to block a taxpayer's account, as well as suspend transfers of his electronic money, in case of failure to submit a tax return within 10 days after the end of the period provided for its submission. Starting January 1, 2015

Banker's blog

Eleksnet, for this I get bonus miles

• I withdraw from the payment system to the card of the Bank "Education"
• I transfer funds from the "Education" card to the card of your bank
• The economic meaning of the operations indicated in the extract from the Internet bank as "DEPOZIT QIWI-RTK MOSCOW RU \ 643 \, Moscow, Moscow,"

1. I replenish my Iglobe mile card with my own funds
2. I pay by card for replenishment of the Qiwi payment system, for this I get bonus miles
3. I withdraw from the payment system to your bank card
4. I withdraw my funds in cash and go to step 1

Thus, for transactions in the amount of rubles indicated in your request, I received 25,040 Iglobe miles, which at a price of 0.4 rubles per mile (taken from the Iglobe.ru website) is 10,016 rubles.
I use my bank account for its intended purpose - to carry out activities as an individual entrepreneur (IE), guided in my work by the Civil Code of the Russian Federation (part two) of 01.26.1996 N 14-FZ (as amended on 05.23.2016) and other Legislative acts. I hereby inform you that the economic sense of this operation is to withdraw the funds earned by entrepreneurial activity into the household - for the purpose of personal and family consumption and business expansion.

My operations carry no risk of loss business reputation for your bank, were carried out solely for lawful purposes, and are in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities. I look forward to further fruitful cooperation with your bank.

Explanation of the economic meaning of the operations performed sample

Attention

If, after my message, the authorized employees of your bank have doubts about any of my operations, I ask you to immediately notify me of this by phone to such-and-such and e-mail to such and such, and also provide in writing a list of operations classified as “ dubious. " I look forward to further cooperation with your bank.

I took the letter to the bank, attached copies of several checks. The letter was accepted, there were no more calls and no further sanctions, the card was not blocked and is working to this day. Tractor drivers The next was the MTS bank. An employee of the Rostov branch called me and asked me to come to the branch, where he handed me a request on a beautiful letterhead, where I was asked to explain the economic meaning of operations to replenish the bank's cards with money and via qiwi and the origin of funds in the amount of about 750,000 rubles. I rented mostly in cash.
SB put a ban - that's all and this is understandable because they are sitting under financial monitoring, and they need to fight the size of sleepy operations, so by closing the account - they just pretend that they are fighting further, a new account is like a new client, this game is played at our expense, even by closing the account you, as a client, stay in the bath, and in order for this ban to be removed from you, you have to be loyal, otherwise you will never open a new account, the program will not give in short, they selectively select those who agree to this game and thus allow them to get access to their services at least crookedly. Anyone who managed to find out exactly what documents were needed had to collect statements from all banks that participated in one or another scrolling scheme. In general, I did not put up with them, I took them Mike's letter almost word for word, as well as income statements for a couple of years.

This is the economic meaning of operations. All payments were made using my own savings, payments were made to my personal accounts and accounts in payment systems. If necessary, I am ready to provide information about accounts and phone numbers linked to them.

Operations with cards of your bank were carried out within the limits established by your bank. Thus, my operations were carried out exclusively for legal purposes, and are in no way connected with the financing of terrorism, drug addiction, prostitution and other illegal activities specified in Law No. 115-FZ. Assigning them to the category of "suspicious" will only worsen the indicators of your bank's involvement in dubious cash and non-cash transactions and lead to the risk of losing your business reputation.

The first is to concisely and accurately formulate the name of the described process, which should be understandable and reflect the general essence of the sequence of actions that make up the business process. For example, instead of “Submitting an application for the manufacture of a product to production and control of its execution”, it is enough to name the process “Control of product production.” the sequence of their implementation. With such a split, the described process will be the top-level process. The granularity of the high-level process may vary, but should be adequate for the understanding of the audience using your description. 2 There are several ways to describe a business process.

Business scheme example for a bank

What examples of this, after all, it was promised that they will be? Now let's look at one and look at it. Imagine a map. In the very center is the main business process.
It is divided into separate components. They are accompanied by a managing and supporting process, who make sure that everything is executed as required. This will be process approach... When the work of one element is completed, its work is transferred to the next.
Description of business processes Examples of this in general view can be seen throughout the article. But complete documentation is often about the thickness of a small book (or even a large book if you're studying the work of a giant company).
Modeling business processes (examples of which are also given here) requires that all enterprise operations be as clear and transparent as possible.

Explanations to the bank: sample document

• Where does the business process begin and how does it end?
• What processes is it associated with? What is exchanged?
• What operations are performed? In what order?
• Who is performing the operations in the process?
• What documents are used and appear in the process? In what operation are these documents used / appear?
• What tools, materials, software and databases are used in the process and in what operations?
• What performance indicators and where exactly are recorded in the business process?

As a modeling notation, I recommend using BPMN. A well-prepared diagram should be easy to understand and sufficiently informative. The diagram of a business process should be understandable to the "person on the street." real life.

Business Processes: Examples and Description

Further, a production meeting is held under the leadership of the general director, the entire package of documents is approved as an organizational project. Creation of an organizational project Position Responsibility in the company Activities to create an organizational project General Director Organization of financial economic activity Organizational project approval Commercial director Supply and sale of consumer goods Selection of participants, schemes of activities, work procedures Financial director Planning and control of financial flows Development of a financing scheme Economist Economic calculations Development of an economic model Accounting Control of financial and economic activities Provision of standard forms of accounting reporting, approval of payment schemes Lawyer Legal issues business Preparation of contracts with participants Conclusion After the organizational project is approved, it begins to be implemented.

Algorithm for constructing a diagram of a business process

More often than not, it turns out that one work team is not enough. What then can be done? To fill the lack of strength, you can attract a temporary group.

It would also not hurt to create a description of how the process is functioning at a given point in time. In this case, one should strive to identify all the connections between actions, and not record the smallest details.

Attention

To avoid sidetracking, standard process maps and forms can be used. When developing processes, it is recommended to use the method of successive approximations.

In other words, it is necessary to repeat the cycle of improvement actions until an acceptable result is obtained.

Business scheme

The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to denote something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's take a look at a diagram made in BPMN (Business Process Modeling Notation) notation using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are: 1. "Process" (function) - a rectangle rounded at the corners; 2.

Transition "- an arrow connecting processes; 3. “Solution” - a diamond containing a question that can only be answered “Yes” or “No”; 4. Conditions are textual expressions under which the transition from one function to another is carried out.

Conditions are always enclosed in square brackets.

How to draw up a high-quality business plan that will be approved by the bank

The structure of the business plan The business plan should be drawn up in such a way that all indicators of the company's performance are considered to the maximum extent, and the lender (that is, the bank employee who is considering the application and is not familiar with the business) can form an objective opinion about the goals of the business and the reliability of the business ... Mandatory sections of the power supply unit:

• Summary: a brief description of the goals and objectives of the project, the sources of its funding, the main consumers and the range of products.

  A step-by-step plan for describing a business process

  The resume should interest the expert and contain the main parameters of the project under consideration. The resume should be as concise as possible (1 page).

• Description of the business idea. In this section, it is important to conduct a so-called SWOT analysis, which examines all the opportunities and threats to the business, as well as its strengths and weaknesses.

Business scheme example for a bank construction company

We write to the bank an explanation of plush operations - plushki su

Similar notifications of activities as advertising either. I went to the bank with an explanatory letter about the activities of the etalon. On the one hand, those working on a simplified system and paying income tax should not keep track of their expenses.

I used their card to withdraw ale, I used it quite often, very evenly, since I had already heard about frequent blockages.
standard information letter about the company's activities. A letter explaining the purpose of withdrawing foreign currency funds from the pc legal entity. The main activity of the organization is.

Business letters

Please help me write a good letter to the labor inspectorate. 3 and 4, a letter was drawn up stating that the declaration of un for. the greatest sanctions that may threaten us with the bank's refusal to work with us. We chatted with an employee, said that the bank starts to get excited with a turnover of more than 300 thousand on all cards.

Bank demands documents referring to its favorite 115-fz - forum

The financial monitoring department, which detects these operations, does not earn money, people sit on bare salaries, and if there is any bonus, it is a fix (like the 13th). so as not to be explained on each operation, you can inform the bank in advance that they are unchanged. A letter to the bank that cash is normal and. This article is applied for failure to appear at the tax authority, and not for refusal to provide explanations, which directs attention and The Federal Tax Service of the Russian Federation itself (see I ask you to help compose a letter of request to the official portal of local government bodies. Banks have begun to show enthusiasm for the legality of clients' income and include a question about the sources of funds in the questionnaires.

Banks ask organizations for details on many transactions. So what are you actually accusing me of and what are you referring to?

Banks and anti-money laundering legislation banks ru

So what exactly are you accusing me of and what are you referring to? - you read between the lines! There, besides the law, there are also a lot of bylaws! - I have no desire and time to do this. Mention the position for which you are applying, and how you learned about it, the source of information. Even if there is no such condition in the contract, then, as practice shows, the bank's security service requires documents within the framework of 115-fz. In what cases is one day of rest provided, in what cases are two days of rest? Hello! For example, I ask you to provide clarifications on the application of Art. If you don't like our bank, choose another one! Oh how! This is a statement by the head of the financial monitoring department of Inresbank LLC, I will paraphrase how I understood my word - the law, if you think differently, I don’t care about it, I don’t like it - go for it. After talking with fellow hobbyists, armed myself as a template (thanks to my friend Boris from Volgograd for the link), I made a letter with the following content from the bank considering the issue of resolving the relationship between the bank and the client upon the fact that the client carried out transactions that could carry the risk of business loss for the bank reputation. Most often, with the help of information letters, they propagandize the activities of organizations, products, published literature.

Small businesses are increasingly complaining about bankers, and there are more and more reports of bank blocking of accounts and cases of termination of service contracts for no reason, according to victims. However, in many cases, banks have good reasons. Recently, the main postulate of the client policy of any bank - in accordance with the requirements of the Central Bank - has become the reality of the client's business. The signs of bad companies were formulated in the regulation of the Bank of Russia No. 18-МР dated July 21, 2017. What are banks doing to make sure that business is real?

1. The bank examines the client's transactions in order to identify signs that indicate the absence of real business or the presence of tax optimization schemes. The signs are as follows:

Payments of salaries to employees, as well as transfers of income tax are not made from the company's account individuals(Personal income tax) and insurance premiums; either payments do not correspond to the average headcount of the client's employees and indicate an underestimation of real salaries;

Average accrued wages are below the official subsistence minimum;

The balance of funds on the account is absent or insignificant in comparison with the volumes of transactions usually carried out by the client on the account;

The grounds for payments do not correspond to the declared type of activity (for example, the client indicates in the questionnaire that he is engaged in the production of bakery products, and receives money for transport or consulting services);

Funds are credited to the client's account on one basis and then debited on others. In other words, the client receives money mainly, for example, for Construction Materials, but pays mainly for transport and consulting services;

There is a sharp increase in the turnover on the client's account, the company noticeably exceeds the maximum values ​​of the cash turnover declared when opening the account;

the client does not pay from the account for household needs: for example, for rent, utilities, purchase of office supplies, etc .;

Counterparties-buyers pay the client under contracts for goods and services with the allocation of VAT, and then these amounts are almost completely written off by the client in favor of counterparties without VAT;

The criterion for paying taxes and other obligatory payments is violated (approximately 0.9% of the debit turnover on the client's account, or slightly more).

2. Then the bank examines the place of business, checks whether the company's office is located at the place of its registration.

3. Next, the bank compares the volume of business with the size of office, warehouse and industrial premises, with the number of employees. For example, a company with operations of hundreds of millions of rubles a year, which does not have a permanent office, warehouse and production facilities, and has only one director on its staff, was created for the transit of cash flows.

4. Then the bank examines the structure of the enterprise. A real business must have a full-time accountant or a contract with an accounting company.

5. The bank identifies the beneficiaries of the business. He checks the information provided by the client in the questionnaires and uses all available methods. In particular, if a client specifies a director as a beneficiary who is not actually the owner or co-owner, additional verification will follow. Open sources (press, Internet) are studied to identify information about the client, including negative information. Specialized databases (SPARK, "Kontur-focus", etc.) are also often used to check the client.

6. If you have any questions, the bank conducts a conversation with the heads of the company.

Such an in-depth client study is both time-consuming and costly. Therefore, some banks, having identified at least one sign of the absence of real business from a client, prefer to refuse to serve him without continuing further proceedings.

For customers, this solution has the most Negative consequences... Now they will not be able, as before, after refusing to open an account in another bank in one bank. All banks in Russia are now prohibited from working with such refuseniks. Therefore, if you are among those with whom the bank terminated the service agreement, you must make every effort to prove the reality of the business. You can invite bank representatives to your office, show trade or industrial premises, warehouses, products. The bank must include contracts that confirm the conduct of economic activities, acts of acceptance of works and services, valid contracts for the lease of premises. Provide the bank with a list of counterparties, links to their websites. Give a description of the ownership structure of your company and information about the real owners of the business. If you have accounts with other banks, letters of recommendation from them can help. And, of course, one should be careful in choosing counterparties - to work only with trustworthy firms.

Be constructive about the attempts of bank representatives to understand your activities. If you have a real business, you have nothing to hide from the bank.