Вопрос - ответ - 76 -17-2

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Читатель из Германии спрашивает... №76-17-2  

Обязан ли я открыть расчетный счет в банке, если я намереваюсь заняться промысловой деятельностью? Или если я стану мелким предпринимателем или лицом свободной профессии?  Можно ли при этом воспользоваться моим прежним текущим счетом?

Конечно, Вы не обязаны открывать особый расчетный счет в банке для вашего промысла. Существуют ведь и другие кредитные институты для частных клиентов. Но вопрос заключается в обозримости финансов, в возможности четко отделить денежный оборот для частной жизни от предпринимательского оборота или оборота промысловой деятельности от оборота свободной профессиональной деятельности. Исходя из опыта лучше иметь два отдельных расчетных счета – для учета доходов и расходов на жизнь и для поступлений и производственных расходов в ходе предпринимательской деятельности. Деловая практика показывает, что использование двух счетов дисциплинирует больше, чем когда частную жизнь смешивают с деловой.  

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