11.10.2011 , :
, . 2.1.
, . 2.2:
2.1
[67]
/ | |||
Գ | Գ | ̳ | |
ʻ | |||
һ | |||
- | |||
PrivatMoney | ʻ | ̳ |
2.2
, [67]
/ | |||
Գ | |||
Բ Ͳ Ͳ Ͳ ò | |||
Ͳ |
ij, , , 25.06.2008 178, , .
11.10.2010 . 2.3:
2.3
[67]
/ | ||
³ |
11.10.2010 , .2.3:
2.3
[67]
/ | ||
Visa International | Visa International Service Association | |
CONTACT | ʻ | |
Western Union | Western Union Financial Services, Inc. | |
MoneyGram | MoneyGram Payment Systems, Inc. | |
MIGOM | ||
ӻ | ||
Interexpress | ||
VIGO | Vigo Remittance Corp. | |
American Express | American Express Company | |
Xpress Money | Xpress Money Services Ltd. | |
Coinstar Money Transfer | Coinstar Money Transfer Ltd./Coinstar Eurasia Ltd. | |
MasterCard International | MasterCard International Incorporated | |
л | ||
BLIZKO | - / Coinstar Eurasia Ltd. | |
MONEY EXCHANGE | MONEY EXCHANGE, S. A. | |
U.S. Money Express | U.S. Money Express Co. | |
FLASHCHEQUE | ʻ | |
Faster |
|
|
, / , - .
- .
, , 볺 . .
, , , . , , .
, 2011 , 93% , 7%. , , (. 2.1).
. 2.1, , , , , , , , , 䳿. , , , 2010 , .
|
|
* ,
. 2.1. [91]
, (. 2.2).
VISA CLASSIC / MASTERCARD MASS 2011 , 122,04 . . , 2011 125,45 ., 6,14 . 2011 . VISA GOLD / MASTERCARD GOLD 2011 42,10 . 504,11 . . , , 522,81 . (. 2.3).
. 2.2. Visa/MasterCard [91]
- . , VISA Electron/maestro 2011 0,03 .. - 0,57% 0,54% . VISA Classic/ MASTERCARD MASS 2011 0,03 .., 2011 0,55% . VISA Gold/ MASTERCARD GOLD 2011- 0,04 .. 0,54% .
. 2.3. - VISA CLASSIC / MASTERCARD MASS [91]
. , VISA ELECTRON / MAESTRO 2011 볺 0,03 .. 1,44% . VISA CLASSIC / MASTERCARD MASS 2011 0,02 .. 1,41% 1,43% 2011 . VISA GOLD / MASTERCARD GOLD 2011 0,03 .. 1, 44% . , , (. 2.4).
2011 . , VISA ELECTRON / MAESTRO 0,03 .. 1,50% 1,47%. VISACLASSIC / MASTERCARD MASS 0,04 .. 1,49% 2011 . VISA GOLD / MASTERCARD GOLD 2011 0,03 ..
. 2.4. VISA CLASSIC / MASTERCARD MASS [91]
VISA ELECTRON / MAESTRO 2010 1,45-1,7% 0,16 .. VISA CLASSIC / MASTERCARD MASS 0,23 .. 1,56% 2010 1,79% . VISA GOLD / MASTERCARD GOLD 0,36 .. 2,2% (. 2.5).
|
|
, , , , , , , , .
. 2.5. , , VISA CLASSIC / MASTERCARD MASS [91]
- 㳿, , , , , 2010-2012 . , , , , , - .
, , - Visa MasterCard. ֳ 㳿 , 㳿 , , , , , . , , . , , , . , , .
2011 , , , , , , , , , .
, , (. 2.6).
, , 2011 : , 500 , , 19,5 , 18,38 ; 1000 볺 23,83 , 24 ; 5000 - , 77 .
. 2.6. (. ) [91]
|
|
. , 1000 , 33,2 (. 2.4).
: 500 19,6 22,17 ; 2000 46,6 52,17 .
, 2012 . , , , , ( . ). , , , , , . " - ' 㳿 . . , , , , - '
2.4
볺 (500 . ) 13.02.2012 . [91]
, . | |
˳ | 6,50 |
10,00 | |
Contact | 10,00 |
10,00 | |
MIGOM | 12,00 |
15,00 | |
Privat Money | 15,00 |
Coinstar (Travelex) | 18,00 |
Xpress Money | 18,00 |
RIA | 20,00 |
20,00 | |
MoneyGram | 35,00 |
Western Union | 40,00 |
2012 㳿, 볺 , , , , . . , , .
2.2.
- 3 1992 29 .
2009 100 .
01.01.2011 , 29 , 93 2 ( -) . ³ , ( 850 104 ). 01.01.2011 , , . . .
̳ 볺, , 볺, , .
, , , , , 볺 , , .
2010 㳿 , . 2010 , , , , .
ij , , , .
|
|
볺 ̳ , ̳ , , , ̳ , ̳ , , ̳ , , , , , , , 볺.
29 2010 - , American Express.
³ American Express , , American Express.
. , 2010 볺 7,3%, 73,2 . .
.2.5.
2.5
01.01.2011, (. .) | 01.01.2012, (. .) | % | 01.01.2012, %* | 01.01.2012* | |
28,0 | 7,8 | ||||
볺 | 1,5 | 7,3 | |||
20,1 | 6,9 | ||||
: | 61,3 | 12,8 | |||
- .. | 63,9 | 11,2 | |||
30,5 | 51,3 | 68,2 | - |
* ,
2010 6,4 . ., , 볺 , 7,9 . ., 7,6 . . (. 2.7).
. 2.7
01.01.2012.
2010 , .
, , , , .
26,8% 20,1%, 1,9 % 1,2%. 2011 27,4 . . 0,7% 2009 01.01.2012 4 001 . .
2010 3 304 . . 82,6%, 502 . . 12,6%. 2011 4,2% 0,6% 2010 . ³ 2011 3 057 . . ( 2009 2 891 . .). , .
2011 51,3 . . (. 2.8, 2.9).
. 2.8. 01.01.2011.
MasterCard Worldwide Visa International, 볺 . 2010 MasterCard ( 1998 ). 2010 American Express - .
(in-house) , 䒺 MasterCard Worldwide Visa Int. MasterCard Worldwide Visa Int. 01.01.2011 868 . . 볺 39%, .
. 2.9. 01.01.2012.
2010 , . - 볺 , - .
ʳ 2010 50%, 01.01.2011 .
01.01.2011 744 . , 볺 -. ʳ , , 01.01.2011 2 200 .
㳿 , 볺- 2,9 . . , .
MasterCard Worldwide Visa Int., . , , 01.01.2011 16 .
볺 , ³ 01.03.2012 ., : Uni Credit Bank , , , .
ֳ :
;
;
.
, :
Pr = f (Im, Tr, D) (2.1)
Pr - ;
Im - ;
Tr - ;
D - .
, , (Pr) :
Pr = K1*Im + K2*Tr + K3*D (2.2)
1, 2, 3 - , .
:
Pr = 0,5*Im + 0,2*Tr + 0,3*D (2.3)
, , (̲, , .), . 볺. 볺 .
. 2.6 볺, ³ .
. 2.6 , 볺 ³ , Uni Credit Bank , , .
2.4.
Tr = (t min tr) / (t min t max) (2.4)
Tr ;
tr ;
t min 볺;
t max 볺.
2.6
볺 ³ 1.03.2012 .*
볺 | |||
Uni Credit Bank | 0,77 | 0,3850 | |
0,58 | 0,2900 | ||
0,63 | 0,3150 | ||
0,52 | 0,2600 | ||
0,89 | 0,4450 |
* [66]
, .
(Tr). 볺 . ³ . 2.7.
. 2.7 , . , . 0,5%. 2.7, 볺 .
2.7
*
, % | - | - | |||
볺 | 볺 | ||||
Uni Credit Bank | 0,5000 | 0,1800 | 1,1000 | 0,1304 | |
0,7500 | 0,4500 | 1,1000 | 0,1077 | ||
0,6000 | 0,3000 | 1,1000 | 0,1250 | ||
1,0000 | 0,4200 | 1,1000 | 0,0294 | ||
1,0000 | 0,4000 | 1,1000 | 0,0286 |
* [66]
(D). , . , .
, (D) (N) :
0 20 D1 = 0,025*N;
21 40 D2 = 0,015*N + 0,2;
41 200 D3 = 0,00125*N + 0,75;
200 D4 = 1,0.
, , . 볺 ³ . 2.8.
2.8
볺*
ʳ | г | ||
Uni Credit Bank | 0,1425 | ||
0,0225 | |||
0,1025 | |||
0,0300 | |||
0,1200 |
* [66]
. 2.8 . 볺 Uni Credit Bank (0,1425), (0,12), (0,1025). (0,03). .
dz . 2.7 2.8 , Uni Credit Bank .
, , 볺. 볺 .
. ³ ³ (. 2.9).
2.9
1.03.2012 .*
Im | Tr | D | Pr | ||
Uni Credit Bank | 0,3850 | 0,1304 | 0,1425 | 0,6579 | |
0,2900 | 0,1077 | 0,0225 | 0,4202 | ||
0,3150 | 0,1250 | 0,1025 | 0,4625 | ||
0,2600 | 0,0294 | 0,0300 | 0,3194 | ||
0,4450 | 0,0286 | 0,1200 | 0,5936 |
* [66]
, ³ . .
, Uni Credit Bank , .. , , , , 볺 .
2.3.
, 볺, , :
, , , 200 . , VISA, MasterCard, , . - , . - - - ;
, , , ( , );
, , ( , );
(SMART-) . / , , . , , , . 볺. 볺 SMS- , -.
볺 볺.
, 볺:
1. :
Visa Infinite Visa International 볺.
Visa Infinite. , -, , -. , Visa Infinite .
Visa Infinite , , , , . Visa Int.
Visa Platinum , , :
- , .. : SMS- , -;
- ;
- Premium Collection Visa International;
- ;
- - 1 ;
- 볺 .
MasterCard Selective -: Gold, Platinum, .
MasterCard Selective , , , , , , , , .
VISA GOLD MASTERCARD GOLD () - Internet, , - , VIP , Visa Premium Collection Visa Gold 75% 55 000 MasterCard 䳿 1 2 .
2. :
MASTERCARD MASS VISA CLASSIC () , VISA Electron Maestro - Internet, , - , 䳿 2 .
VISA Ladys Club Visa Classic, Visa Classic 100 (, , , , - )
3. :
VISA ELECTRON MASTERCARD ELECTRONIC () - 䳿 3 .
VISA INSTANT MAESTRO PREPAID - 䳿 1
4. :
, C@RD-ON-LINE.
VISA International MasterCard WorldWide.
, .
:
;
;
, ( , , );
, ` ;
, ;
.
, , . ³, . ϳ . , .
(70 ) (250 ). 200 ( 520 ) 5 ' , , . .
580,75 . ( = 115. . , 220 . ).
, . ϳ 5 Gold, 10 Standart, - Cirrus/Maestro. 2 . 70% , , , 30% . .
볺.
ֳ = ʳ * ֳ (2.5.)
= 3 . . 2.10.
2.10
(.)*
ʳ | ֳ | ֳ | |||
Gold | |||||
Standart | |||||
Cirrus/Maestro | |||||
*
( 1%) ( 0,5%). 0,5%, 0,1%.
= (( + ) 70% + 30%) ʳ , (2.6)
= ((0,1% + 0,5%) $ 115 000 70%, + 0,1% $ 115 000 30%) 12 = 1389660 . .
, ( 0,5). .
, ( ) .
.
0,2 . , (r). 0,1% (t).
= (ʳ r +
t) (2.7)
= (520 0,2+115 000 0,1%) 12= (104 + 115) 12 = 2628 . .
80 000 . , .
- 볺. 240000 . .
2 . 70 . 1680 . .
.
( ):
- 20% ();
- 47% ().
, , 27% .
1% (), 20% ().
=
= (-) , (2.8)
=
= (47% 20%) 115 000 (20%) = 6210 .
=
= (-) , (2.9)
=
= (47% 20%) 115 000 (1%) = 310,5 .
().
, , (MS Excel) (. 2.11). Excel. .
= 15,4%. > 15%, , .
2.11
(. )*
08.2011-08.2012 | 08.2012-08.2013 | 08.2013-08.2014 | ||
( 20% , 1,67% ) | ||||
: | ||||
, , 3 | ||||
, | ||||
310,5 | 310,5 | 310,5 | ||
7898,5 | 7898,5 | 7898,5 | ||
-240000 | 1390896,5 | 1390896,5 | ||
15,4 |
*
, , , .
IJ 2
.
1. 2011 , , . , - 볺 .
2. , 볺, , , , , , , 볺, .
3. 2011 - 5 , . 1 2011 141 (81% ). , 볺 , , 2010 5 47 . 1.3% ( 39,4 39,9 ), 37 ., 9% ( 409 . 446 .), 510 , 1.3% ( 38986,2 39496,2 .).
4. - 3 1992 29 .
2009 100 .
5. 2010 6,4 . ., , 볺 , 7,9 . ., 7,6 . .
26,8% 20,1%, 1,9 % 1,2%.
2011 27,4 . . 0,7% 2009 01.01.2012 4 001 . .
2010 3 304 . . 82,6%, 502 . . 12,6%.
2011 4,2% 0,6% 2010 .
6. 01.01.2011 744 . , 볺 -. ʳ , , 01.01.2011 2 200 .
MasterCard Worldwide Visa Int. 01.01.2011 868 . .
IJ 3