Example: Company the preceding example decides in a situation of shortage of liquidity, discounting the effects consignment € 15,025.30. in the bank. The interests of the operation amounts to € 751.27. and commitment to € 150.25.
At maturity, are charged effects of € 12,020.24. The rest are unpaid, so the company will take care of them by paying the amount the bank, plus a commission of 30.05 €.
As stated above, the operation off the responsibility of the company before the default is full. Seat No. 2 is reflected in the collection advance payment of interest and fees, and have the debt that the company will maintain with the bank until the maturity date.
If eventually, customers comply with payment, this liability account with the bank funds that are loaded with discounted subscriptions to the effects that we still have an asset (seat No. 3).
If the effects are outstanding, the company will have to pay the nominal to the bank, plus a commission (seat # 5). On the other hand, the asset has been to reflect the default loading the unpaid bills to pay to the discounted (seat # 4).
If the effects are outstanding, the company will have to pay the nominal to the bank, plus a commission (seat # 5). On the other hand, the asset has been to reflect the default loading the unpaid bills to pay to the discounted (seat # 4).
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