# Are bounce back loans credit checked?

## Why the bank cancels a credit card

IntroductionWhen studying the current assets of any balance sheet, we notice that, under the chapter of the Current Assets, there is usually a balance called customers. This balance represents the amount owed by our customers to offset the supplies we have made. It is therefore a receivable that we owe and for which we have to bear two phenomena: the first is a financial cost (if we cannot pass it on to the customer), and the second is a risk corresponding to a decision that we have to assume with all its consequences. The assumption of this risk is a fundamental decision, and must therefore be studied and structured to minimize it as much as possible.We are going to study these two basic concepts, cost and risk, giving some rules in order to help establish some controls that will help in the implementation of our objective.-1-

SITUATION BDevelopment operating account:tes “date”a ls =9″‘”-1?) Within 30 days you can sell: 230 u/m.Within 60 days you can sell: 420 u/m.2.) The risk of uncollectibles is estimated at-(See total column F of Table 2.4) BAII Financial costs [1]197 u/m.r98 u/m.BAII7’72 u/m.TAXES 35%With 30 days. index = IWs/sale.6 Net profit 11’52 u/m.At 60 days. index = i’sp^ s/sale.In both cases the costs represent:Whose result yields the following new reading: Variable cost s/sale = 70% Structure cost = 100 u/m. Net profit in this alternative = ir52 u/m. which corresponds to a net margin Credit cost in your case = 16% annual.on sales of:Net profit 11.52 u/m.Development of both alternatives:X 100 = 238%Sales 400 u/m.Table 2A: Siluacin ATable 2. 5: Situation BMODAUDADAD VENTADECONTADO15 DIASgCOSTE”=> 1 ()^ COST(E)ANNUAL VARIABLEFUO BENEHCIO INDEXBA MARGINt/m70%s/(A) ASSIGNABLEINCOBRABLES (D-E) ^^NTAS, 00^530015(F)MODAUDADVENTACOSTECOSTEDEANNUALVARIABLEFUOPOBU/m70% s/(A)ASSIGNABLE30 DAYS2301613560 DAYS4202946561TOTALS65055510095BENEnao(A-B<T5%INDICE0-3197INCOBRABLES11-5% s/(A)l6’30″””woCost of credit calculation-300 u/m. sale x 16% p.a. x8’60- r.230 u/m. sale x 16% p.a. xD’78%13’02%86’401319%3’06 u/m.420 u/m. sale x 16% p.a. x= roo(F/A)X1005470Cost of credit granted:’S/SALES(D-E)3r702’304’92The reading of this table reads:i.MARGINBAE[19 sim34(G)14740020(A)0’1% S/A0’3TOTALS(O)i (F, j ^irn u/m.360Total cost of financing-29-

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The Organic Law 2/2006, of May 3, on Education, provides in article 39.6 that the Government, after consulting the Autonomous Communities, will establish the qualifications corresponding to the vocational training studies, as well as the basic aspects of the curriculum of each one of them.

The Organic Law 5/2002, of June 19, 2002, on Qualifications and Vocational Training, establishes in article 10.1 that the General State Administration, in accordance with the provisions of article 149.1.30.º and 7.º of the Constitution and after consulting the General Council of Vocational Training, shall determine the qualifications and certificates of professionalism, which shall constitute the vocational training offers referred to the National Catalogue of Professional Qualifications.

Law 2/2011, of March 4, on Sustainable Economy, and Organic Law 4/2011, of March 11, complementary to the Law on Sustainable Economy, which amends Organic Laws 5/2002, on Qualifications and Vocational Training, and 2/2006, on Education, have introduced an ambitious set of legislative changes necessary to encourage and accelerate the development of a more competitive and innovative economy, capable of renewing the traditional productive sectors and opening the way to new activities demanding stable and quality employment.

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The national team defeated the “Cafeteros” 1-0, in one of the matches on Tuesday for the 16th day of the South American qualifiers. Around 55 thousand fans attended the Mario Alberto Kempes stadium in the city of Cordoba. The Albiceleste’s winning goal was scored by Inter of Italy striker Lautaro Martínez, 29 minutes into the first half.

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The women’s national team won the title on Saturday night after defeating their Argentine counterparts 4-2 in the final in the decisive match played in the capital city of Santiago. The lionesses settled the match in the final stretch, when Gorzelany scored with a drag-flick, derived from a short corner.

### What happens if I spend more than my credit limit?

Many SMEs are unaware that a bank account can become a powerful engine for growth. Beyond the credits that can be accessed through it, it is the main axis of the administration of a business.

Aspel has the BANCO banking automation system, which allows you to perform bank reconciliations with the main financial institutions in the country to see your daily movements, manage transfers and checks you give to your suppliers, manage future payments and even know how much you owe or how much is pending to be collected. Additionally, if you combine it with some administrative systems such as Aspel SAE (Sistema Administrativo Empresarial) or Aspel COI (Sistema de Contabilidad Integral), you will be able to consolidate a powerful solution that will make your processes more efficient and your company more profitable.

The SAT is about to publish an extension so that taxpayers who need to cancel CFDI’s can do so without the need to request authorization from the recipient of the receipt. The request and acceptance of the cancellation of the Digital Tax Receipts by Internet, will be managed from the tax mailbox of the SAT.

Are bounce back loans credit checked?