Bank efficiency and industry growth during financial crises
آشنایی با موضوع
اثر تعهّد بانک نسبت به پرداخت بهای کالای وارداتی یا صادراتی را اعتبار بانکی گویند. کسی که می‌خواهد کالایی را از کشور دیگری وارد کند و یا به کشور دیگری صادر نماید، بر اساس مقررات بین المللی در واردات و صادرات کالاهای خارجی باید در یکی از بانکهای داخلی گشایش اعتبار کند. بانک پس از گشایش اعتبار، متعهّد می‌گردد ضمن واریز مبلغ کالای خریداری شده به حساب صادر کننده (فروشنده)، اسناد حمل آن را از وی گرفته، تحویل گشایندۀ اعتبار نماید. پس از اتمام معامله بین فروشنده و خریدار و دریافت فاکتور و پرداخت بخشی (ده تا بیست درصد) از بهای کالای سفارشی به بانک توسط خریدار، بانک، بهای کالا را به حساب فروشنده واریز و اسناد آن را دریافت می‌کند. نوعی دیگر از اعتبار بانکی آن است که فروشنده پیش از مذاکره و معامله با وارد کنندۀ کالا، فاکتور آن را با همۀ مشخّصات به بانک می‌فرستد و به بانک وکالت می‌دهد که اسناد را به خریدار احتمالی عرضه کند. در صورت تمایل طرف به خرید کالای توصیف شده در فاکتور، تقاضای گشایش اعتبار می‌کند. بانک پس از دریافت ده یا بیست درصد بهای کالا، قرارداد معامله را با خریدار می‌بندد و متعهّد می‌گردد که بهای کالا را به فروشنده بپردازد و اسناد حمل آن را گرفته و به خریدار تحویل دهد.
در این صفحه، تعداد 102 مقاله انگلیسی از ژورنال ها و مجلات معتبر پایگاه ساینس دایرکت (ScienceDirect) درباره موضوع اعتبار بانکی آرشیو شده است که شما می توانید مقالات مورد نظر خود را بر اساس سال انتشار، موضوع مقاله، وضعیت ترجمه و تعداد صفحات، انتخاب نموده و دانلود فرمایید.
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در صورتی که مقاله لاتین مورد نظر شما تا کنون به زبان فارسی ترجمه نشده باشد، واحد ترجمه پایگاه ISI Articles با همکاری تنی چند از اساتید و مترجمان با سابقه، آمادگی دارد آن را در اسرع وقت و با کیفیت مطلوب برای شما ترجمه نماید.
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Financial regulations and bank credit to the real economy