OPTIMIZATION OF DEFINITION OF TARIFFS OF BANKS FOR NONCASH TRANSFERS IN A PAYMENT SYSTEM

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OPTIMIZATION OF DEFINITION OF TARIFFS OF BANKS FOR NONCASH TRANSFERS IN A PAYMENT SYSTEM

Journal Title: Науковий погляд: економіка та управління - Year 2018, Vol 2, Issue 60

Abstract

The article proposes an analysis of modern approaches to the organization of payment systems. The author's approach to cost estimation and the price of bank transfers within the limits of existing payment systems is offered. Possible ways of reducing tariffs for cashless transfers due to redistribution of income within the bank are considered. The payment system is an element of the financial infrastructure, which significantly influences the efficiency of economic management and the implementation of the monetary policy of the state. Therefore, the availability of a reliable and fast-paying system of payments and payments is the basis for the development of any economy. The proposed approach to calculating the cost of non-cash transfers involves: definition of bank units that perform settlement services and the number of employees of these divisions; expenses for the maintenance of units involved in conducting calculations in the cost indicator per employee; indicators of the complexity of individual operations within the framework of settlement services; number of operations performed, taking into account non-client payments. We can see the possibility of reducing the cost of transfers, taking into account the possibility of using “non-lower” level of balances on current accounts of clients in short-term, but returnable assets, which includes interbank loans. In order to determine which resource sources the bank used to form separate asset items, the balance of articles is grouped according to the economic content and the difference between the corresponding economic substance is determined. Funds on demand deposits are placed in highly liquid non-performing assets and low-yielding liquid assets, in particular, in interbank loans. The amount of income received as a result of using this category of resources should be a source of lowering the cost of bank transfer services. The use of intrabank revenues to cover the costs associated with the provision of settlement services is a source of tariff reduction by non-cash remittance, which is one of the main and most widespread types of bank services.

Authors and Affiliations

A. A. Meshcheryakov

Keywords

payment system cost of a bank transfer sources of formation and use of resources timing costs per employee sources of tariff reduction client-bank SWIFT attraction-placement of banking resources

EP ID EP450072
DOI 10.32836/2521-666X/2018-2-60-19
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