Zero-balance account (ZBA)
A customer settles his transactions via an account at the bank, which the institution keeps balanced at all times. This is because any overdrafts are immediately balanced by a second account held by the customer with the bank, the parent account (concentration account). On the other hand, an accumulating credit balance on the account transfers the electronic system to the customer’s parent account (a bank checking account that can accept deposits and/or make disbursements but that is always kept at a zero balance.
This is maintained by transferring just enough funds from or to a second account of the customer, the concentration account, to offset each day’s activity. The concentration account is sometimes called the parent account and the zero-balance account is now and then called the daughter or subsidiary account). – See Account Balance Adjustment, Transfer Account.
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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Professor Dr. Eckehard Krah, Dipl.rer.pol.
E-mail address: info@ekrah.com
https://de.wikipedia.org/wiki/Gerhard_Ernst_Merk
https://www.jung-stilling-gesellschaft.de/merk/
https://www.gerhardmerk.de/
Seorang klien melakukan transaksinya melalui rekening di bank, yang dijaga oleh institusi agar selalu seimbang. Hal ini karena setiap cerukan segera diimbangi oleh rekening kedua klien dengan bank, rekening induk (rekening konsentrasi). Di sisi lain, saldo kredit yang terakumulasi pada akun mentransfer sistem elektronik ke akun induk klien (rekening giro bank yang dapat menerima setoran dan/atau melakukan pencairan dana, tetapi selalu dijaga pada saldo nol. Hal ini dipertahankan dengan mentransfer dana yang cukup dari atau ke rekening kedua nasabah, rekening konsentrasi, untuk mengimbangi aktivitas setiap hari. Akun konsentrasi kadang-kadang disebut akun induk dan akun saldo-nol sekarang dan kemudian disebut akun anak atau anak perusahaan). – Lihat Penyesuaian Saldo Rekening, Rekening Transfer.
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Profesor Universitas Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Profesor Dr. Eckehard Krah, Dipl.rer.pol.
Alamat email: info@jung-stilling-gesellschaft.de
https://de.wikipedia.org/wiki/Gerhard_Ernst_Merk
https://www.jung-stilling-gesellschaft.de/merk/
https://www.gerhardmerk.de/
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