Banking in Memphis for the house holder

The formation and use of financial resources is closely linked to the level and dynamics of income, the solution of social problems. Influencing the level and composition of household consumption through specific financial practices, the state has a regulating effect on the level of his income. Among these methods, the main ones are, first of all, the methods of creating and using centralized resources of the state, necessary to ensure the conditions for the reproduction of labor, of the content of disabled members of society and to provide various types of eco-tion to the population. Financial and credit system has impact on income levels, firstly, through specific financial and credit practices through the implementation of spec-analytic functions of control over the payment of wages, savings and insurance schemes population, etc., and secondly, using the tools of financial and credit system through the redistribution of accumulated income. In these cases, the financial authorities are directly involved in the drafting of documents, normalizing procedure, the procedure and the level of exposure to various forms of income. The most common form of the impact of the financial and credit system for income is government funding for cash payments needs that have national importance and are guaranteed by the Constitution. Source to meet those needs can be extremely general state budget (Expenditures on education, health, culture, social welfare and social insurance), and there are needs, which by means of national being met in part (valuation-tion)).

An important component of the financial statistics and accounting can be a financial resource directory. These include requirements related to recreation and health, as well as some torye-needs housing and communal services, etc. There are needs, which satisfies the expense of non-centralized special funds generated from the businesses and organizations or the workers themselves and the public. In the transition to a market of increasing importance takes direction needs.

All these considerations lead to the conclusion that a more precise and adequate definition of today's realities control. The author believes that control of the company reflects the ability of the controlling group in accordance with their own interests determine the policies of the company, appoint and dismiss its governing bodies, dispose of his property, material and financial flows, and assign the lion's share of income of the company. In other words, corporate control must be understood as an integral mechanism covering imperious and financial components. In practice, it is extremely difficult to distinguish the influence (pressure) exerted on top management on the part of any group of real control over the company. How to determine who it controls a specific company? Very simply, any decision taken by the leadership of the company, which is in conflict with the interests of the controlling group, it can be blocked or canceled. In other words, the control based on the principle there is no alternative. Business practices and foreign countries, and Ukraine is replete with examples of forced replacement of top managers as a result of the arrival of the new controlling group. But remember the 'change of playing trains' in such enterprises as 'Ukrrechflot', Kyiv factory of technical papers, Dnepropetrovsk central market (the famous 'Ozerka'), Lviv agricultural firm 'Provsen', 'Dneprfarm' and others.

So establish for certain what kind of group controls a specific company, can only determine whose instructions and orders do top managers of the company. But what about the legal aspect corporate control? Let's start with a simple – with control over businesses, where the legal owner is clearly defined. These include, for example, private and public enterprises. In some situations, the real control can be carried out not only the legal owner, but a third party by means of indirect methods of control – credit, proxy voting, a violent seizure, illegal court decisions, business ties, personal arrangements, etc.

First, the increased level of customer service, which inevitably led to a rise in the cost of trading processes. Second, increasing competition between commercial enterprises because of the struggle for the buyer is accompanied by reduced trade margins. Both these processes lead to a decrease in profitability of trade. Themselves lost in the transition to self-service stores increased. Now, with free access of goods to the trading floor not only stolen goods thrive "buyers", but also significantly increased the number of thefts of unfair personnel, felt a certain freedom and impunity. Thus, the profitability of trading enterprises has decreased.

One way to increase profitability of trade – the reduction of losses in the trading business. The analysis of more than 500 thousand unsecured commercial enterprises overseas and domestic experts showed that all the losses ranged from 1 to 3% of turnover. At low profitability of trade is about 20 – 25% of net profits. Losses from theft Ukrainian trading company referred to as trade secrets, and each solves the problem of theft on its own. Because of the secrecy is very difficult to judge the extent of thefts in the retail sector in Ukraine. According to indirect estimates, losses from theft of the Ukrainian commercial enterprises ranging from 0.25 to 5% of annual turnover. Themselves representatives of the domestic retail business estimate the losses in 0.5-3% of turnover, which is approximately the same as the average statistic. In the retail chains, groaning, ready to write off a variety of theft and 4% overall costs. World and domestic experience shows that the percentage of losses in the stores is doubling every 14 years. It is easy to calculate that without taking the necessary steps to sell in 2022 will be just at a loss! Specialists argue that completely do away with theft in retail can not be, but it is quite possible to reduce losses to a minimum.

Market value – the cost of the transaction occurred, ie, reflect the past state of the object. Further insights into the value of standards provides a systematic approach. From a systems perspective to the enterprise and its value in these standards of value acquired the following meanings: The residual value – the cost of items (assets) in the system (enterprise). Fair market value – is enterprise value as of the elements (assets), ie cost items (assets) plus systemic effect (goodwill). Investment value – is the value of the company as an element of higher-order (sub), ie cost items (assets) plus a systemic effect of the first order (goodwill), plus a systemic effect of higher order (corporate impact). The next step after identifying the required standard cost reflects the purpose of evaluation – is the choice of the necessary procedures and evaluation methods.

Procedures and evaluation methods. In theory and practice of business valuation, by analogy with the assessment of real estate is traditionally a classification of evaluation approaches used by business original data: Evaluation biznesarynochny podhoddohodny podhodpodhod asset-based rating approach nedvizhimostiRynochny podhodDohodny podhodZatratny Standard BSV-I provides the following definition of these approaches: market-based approach (Market approach) – a common method for determining the value of the company and / or equity, in which, one or more methods based on comparison with those of the enterprise is sold investments. (The approach itself is regulated by the standard BSV-VI) income approach (income approach) – a common method for determining the value of the company and / or equity, in which, one or more methods put to rest based on expected revenues. (The approach itself is regulated by the standard BSV-VII) approach based on the assets (asset based approach) – a common method for determining the value of the company and / or equity, in which use one or more methods based directly on the calculation of the value of enterprise assets minus liabilities.