Transfer of zx-goods between St. Petersburg and Moscow

Hi, All!
>
> Get Msg, Andrew!
Hi, Vyacheslav!
Sorry, for the off-topic.
>
>04 Jan 98 11:08, Andrew Savichev reported All about {Forwarding zx-goods between
>St. Petersburg and Moscow...}:
>
> AS>: it is necessary to establish SNB ( Spectrum Net Bank), based on
>
>/skip/
>
> It’s unlikely to be done centrally... And who would want to trust someone else’s
>uncle with their money, even an honest one. Or disclose your commercial connections...
We were not talking about an official banking institution (the turnover is not the same ;) )
And now about someone else's uncle... if this uncle (more correctly uncles:
Moscow and St. Petersburg) has a working capital of $500, let's see
what happens.
Here comes a complete off-topic, so, sorry a lot times.
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What are banks for? We will not delve into this topic, but many banks
were created just for the mutual settlements of several familiar large
clients;).
In our case, this could be primarily the sale/purchase of software
(I feel sorry for the courier and fight for the convenience of Aurora passengers), especially since
hard makers, in your words, have everything the same way o'k.
It is clear that the product itself (programs, games, music, graphics, electronic publications, other
information in digital form) is safelytransported over the grid :) and all that remains is
to receive the money, which hardly suits anyone by fax ;)
Now let's see how this should all work.

It is clear that if client m in Moscow buys from client p in St. Petersburg, then he gives
his Moscow banker the money (if he has working capital, then let's say
only a deposit), and if he sells, then he receives accordingly (after receiving
the goods in St. Petersburg, but on the network it’s quite fast). By the way, you can do it like Internet providers (then you can do without frequent visits to the banker with your money): I deposit money, put $10 and then use it, giving the banker orders over the network until my account is emptied to -1$ and notifies him
about the goods received from me, the buyer and I myself (with reference).
In a mirror image, the same thing happens with the St. Petersburg client. Those. in fact, money
does not move anywhere if the number of purchases/sales in each of the cities
is the same. Bankers simply exchange the status of their clients' personal accounts over the network. It’s another matter if in one of the cities, the volume of sales at the end of the quarter significantly exceeded the volume of purchases. Then, in order to replenish his
working capital, this banker will be forced to receive the difference from his
partner, so that everything will continue to work like clockwork.
Is it necessary to reward the “bankers” for their work? Well, probably, in any caseIn case
they should have a slightly larger income for the year than if their hard-earned $500
was in the savings bank.
Naturally, the lower the “bank’s” turnover and the smaller the deficit (the less
the “banker’s” capital is involved) - the lower the reward.
Only for the deficit the banker should receive a reward from his partner,
and from each transaction - from the client.
For the rest, if there is a comper and a grid, their personal costs are small.
Whether they will take a license and pay taxes on income are their personal problems, although both will probably increase confidence on the part of clients.
>
> AS> and once a quarter the party that has a deficit (St. Petersburg or Moscow) with
> AS> will send money by courier.
>
> Here the deficit will clearly be only on one side :))
U Moscow has a chance - for non-hard goods, especially if some other regions begin to work through them :)
>
> Something like this has been actively used for a long time - i.e., for example, the distribution of XL-Design products, the distribution of Scorpio products...
I’m not saying that I offered something unprecedented, but there are still “uncovered” ones...
(and they were in no hurry to expose anyone they have to public display - they probably
consider it their know-how :) )
besides, the system is very democratic and competitive... and everyone can choose
the one for whom they wanttrusts.
[skip]
>
> Hence the conclusion: you can live without IFC.
:) the more decent people around, the easier it is for everyone to live (C)
> Warm greetings, Slava!
>
Happy hunting to everyone! Andrey S.