You are on page 1of 47

.

8

- &
7 - &
8
() (2007-2013), 7:
8 MIS 375686
8: 3
MIS 375687
( - ) ,
() .


....................................................................................................................... 3
................................................................................................. 3
........................................................................................................................ 3
....................................................................................................... 4
1

.......................................................... 5
1.1

................................................................... 5

1.2

..................................... 6

1.3

.................................................................................................... 9

1.4

................................................................................. 9

1.4.1

................................. 9

1.4.2

........................................................................................ 11

1.5

................................................................................................................ 13

1.6

................................................................................................... 14

1.7

....................................................................................... 14

1.8

.............................................................................................. 15

1.8.1

......................................................................... 16

1.8.2

................................ 16

1.8.3

.......................................................................... 16

............................................................. 18
2.1

................................................................................................... 18

2.2

.................................................. 19

2.3

........................................................................... 20

2.4

................................................................................ 20

.................................................. 22
3.1

................................................................................................... 22

3.2

................................. 23

3.3

................................................................................................ 23
3.4

()
................................................................................................................. 25
1

3.5
4

.......................................................... 26

.................................................... 28
4.1

........................................................................................... 28

4.2

........................................................................... 28

4.3

Factoring ................................................................................................. 29

4.4

Leasing .................................................................................................... 31

4.5

................................................................................ 32

.................................................. 33
5.1

- .............................................. 33

5.2

......................................................................................... 34

5.3

............................................................................................ 36

............................ 38
6.1

........................................................................... 38

6.2

......................................................................................................... 38

................................................................................................................................... 39
................................................................................................ 40
.......................................................................................................................... 41
................................................................................................ 43




.
,

.


,
.


, :



.

.
,

.
.
.
,
.
.
-,
factoring, leasing .

.


.

,
, , .. ,

(, ),
(, , ..)
.
1: ,
150
.

1.1


,

.
.
,
:
. ,
. , ,
,
. ,
.
(valeurs),
5

. ( ),
. ( )
,
. (
, , ),
. ( ,
,
..),
. ,

(.. , ,
..),
.
.
2:
.
)
.
)

.
250 .

1.2

3691/2008
() 281/5/17.3.2009 ,


( )
(1)

(2)

(3) E

(4)

(5)

(6)

()

)
,


(
)

(
)

(7)

(8)



()
(9)




(10) ----------

,

. ,
. ,
, :
, , , ,
,
,
, /
.

,
, ,
, . ,
,
.

1.3

, , ,
, ,
: ( ),
( ), ( ),
( & ) (
).
,
. , ,
(credit scoring),
.

1.4

, ,

,
. .
1.4.1




. (overdraft)
.

, . ,

.



. ( ,
..)
( , internet-mobile banking .).
.

.
Valeur .
/ . , valeur

.


,
, .
(International Bank Account Number)
.

.

.
.
1. .
2. .
3.
.
4. O
,
.
10

AUD,
CAD, CHF, DKK, GBP,
JPY, NOM, SEK, USD

,
.


&

AUD,
CAD, CHF, DKK, GBP, JPY,
NOM, SEK, USD


1.
.
3:

. ;.
250 .
1.4.2

,
.

CHF -

CAD -

CHF

DKK
11

GBP

JPY

NOK

SEK

USD

,
:
:

Online

phone banking

easypay ( )


12

(, , ..)

..

4:
150
.
.

1.5

,
()
() ( )
(
., 1993).
:
1.
2.
3.
4.
5.
13

6. . ( ,
.)

.
,
, .

.


.

.

1.6

.
(). ,

, .
.
.

1.7


.
1 .
:
14

1 1
.

, ,

.


,
.

O

,
.

.
10.000 3
3%.
:
(Interest)= (Capital) * (Interest Rate) * (Time)=
=10.000*0,03*3/12=75
5: ,
5.000 4%,
: . 6 , . 9 , . 1 .

1.8

,
.
15

1.8.1


.
.
:


, .

1.8.2


3, 6 12 .
.
:

, 3, 6 12 .

1.8.3

,
, .

, , .


(zero coupon).

16


, ,
.

, ,
.


, MiFID*.

* MiFID (Markets in Financial Instruments Directive)



. ,
"..." (European Economic Area, "EEA"), 27 ..
, .
. 3606/2007 1 2007.
6:
.
; .

17

,
.

.

.
.

.

2.1


. VISA MASTERCARD
. ,
s VISA
.
.


.

.

0,60% 128/75.
Chip & PIN .

,
.
.

18

7:
.
; 250 .

2.2

24
, .
.
:

,
,

Online
( ),

,
VISA .


VISA
, , ..
, .
Chip & PIN .
PIN .

.
. ,

19

. ,
. , .
.
8:
.
; 250 .

2.3



internet , .
:

Online & (e-shop) (..


, , ,
..).

Internet.

.

.
, .
.
9:
.
; 250 .

2.4


.

20

.
,
. ,

.

21


.
.
.

3.1


( ., 2002).
(
, , ),

.

15.000
.
, .
:

&
,

22

10: ,

.
. 250
.

3.2



,
.
11:
,
.
. 250
.

3.3


- .

50% 50%
.
:

23

10.000
800.000 :

, ,

, 10.000 300.000
:

( , ,
..)

/
( & , ,
, , ..).


/ ,
,
.
, ,
, ..
(
250 , (...) 50 .
43 . ) (, ..,
.., ..., ..,I.K.E.) ( ,
) :

24

,
(, ).

, .

De Minimis,
.

...
.

().
31.12.2013
, ,
.

3.4

()
, ,
- , (, , ,
) :

( )

( )

logistics

, ,

,
25

- (),

de minimis,

, ,
, :

3.5



.
:

,
26

125%
10KW.

27

, ,
factoring, leasing
. .

4.1


.
, .
.
:

(IBAN,
BIC SWIFT),
.

4.2

,
, . ,

, :

28


,
,
.
:

4.3

Factoring

, Factoring
(), , Factoring
:

- ,

Factoring ,
.
factoring :

29

,
,


, ,

12:
9.3 Factoring . 175-182 . -,
Factoring
.
; 500 .
30

4.4

Leasing

(Leasing) 1986
.
()
, ,
leasing.
.
()

.
Leasing :

,


.

13: 9.2 . 162175 . --,


Leasing


.
;
500 .
31

4.5


,
.

:

32


.

web-banking mobile-banking.

. ,

web-banking.

5.1

web-banking o
. :
1. :

( ),

2. :

online

(underwriting)

33

3. :

Online

4. :

, ,
..



. :

14: webbanking;

; 250 .

5.2

web-banking
.
, ,

34


. web-banking :
1.
2. :



( )

3.

, , ..

4. , :

5. :

35

6. :

7.

Alerts

15: webbanking;

; 250 .

5.3

web-banking
,
.
web-banking .
,
.
,
, :
(User ID)
36

(PIN)

.
3 (PIN),
webbanking.

(two-factor authentication).
extraPIN, extraPIN generator SMS
. extraPIN one-time password,
.

extraPIN

, ,

, Firewall
.

37

,
, , ..

, .

6.1

,
.
. ,
.

6.2


,
.
:

38




.
,
.
, ,
,
.
.

.
, .

, .

, .

, factoring, leasing
.
web banking
.

.

39


, . (2011). . :
.
.

.
, .(2008). . .
.
.

40

, . (2001). - .
Interbooks.

, . (2007). . .

, . (2001). . .

, . (1999). . Interbooks.

, . (1997). . : .

( , 2013)

(2013). online
www.gsis.gr.

(2013). online www.nbg.gr.

(2013). online
www.esee.gr.

(2013). online www.espa.gr.

(2013). online
www.etean.gr.

(2013). online www.hba.gr .


www.eede.gr.

(2013). online
www.hvca.gr.

- (2013). online
www.excelixi.org.

. .
online www.antagonistikotita.gr.

(2013). online www.ependyseis.gr.

(2013). online www.epixeiro.gr.

(2013). online
www.oaed.gr.

(2013). online www.taneo.gr.

. (2013). online www.piraeusbank.gr.

41

(2013).

online

Alpha. (2013). online www.alpha.gr.

(2013). online www.minfin.gr.

(2013). online o
www.ypoian.gr.

, (2013). online
www.ypakp.gr.

42




, ,
, .


.

43

You might also like