Money, money circulation and credit - стр. 38

Payment document of a sender in hard copy should contain signatures of the sender’s entitled persons and his seal impression in accordance with signature and seal impression forms. Whereby if the signature and seal impression forms contain the persons who have a right of first and second signatures as the persons who are authorized to manage a bank account their signatures presence on this document is obligatory.

All the payment instruments could be divided on two groups:

– credit;

– debit.

To the credit group belong the transfers performed by means of payment order.

The performed analysis of the settlements usage made by different types of payment documents showed that in the IV^>th quarter of 2009 the second-tier banks and Kazpost JSC with the usage of shown in Table 3 payment instruments conducted the transactions in amount of 44 514.0 thousand of documents for the value of 26 073.3 billion tenge. Compared with the same period of the previous year the quantity increased on 12.9 % and the sum of payments decreased on 6.9 %.

The total amount growth of the represented payment instruments basically was caused by the operations quantity growth by means of payment cards on 4 387.5 thousand transactions.

The volume of payments decrease basically was caused by the fall of payments volume made with the usage of payment orders on 1 937.7 billion tenge.

Still the most widely spread on the territory of Kazakhstan payment instruments are payment orders and payment cards. Whereby the average sum of one payment order for the IV^>th quarter of 2009 amounted 2.2 million tenge and decreased in comparison with the analogue period of 2008 on 17.9 %. At the same time the high relative share of payment cards according to the quantity and low according to the volume of payments is characterized by the usage of this payment instrument basically for low sums encashment (the average sum of one transaction of the IV^>th quarter of 2009 amounted 22.9 thousand tenge).

In the IV^>th quarter of 2009 the less used payment instruments became the payment request-orders and collection orders. The inconspicuous part of these instruments usage in the whole quantity and amount is related to their specification.

The rest payment instruments include the cheques for the purchased commodities and services settlements, direct debiting of bank account and honored letters of credit.

Table 3

Payment data in view of payment instruments for the II^>nd quarter of 2009

(Q – quantity in thousands; A – amount in billios of tenge)