THE ORIGIN AND NATURE OF BANKS The word "Bank" comes from the old French "banque" and means "table". Advantages STV line of credit is expressed as follows. The main purpose of Bank intermediation in moving the cash resources from lenders to borrowers and from sellers to buyers. Before giving the loan, the Bank determines the degree of risk, he is willing to take on, and the size of the loan, which can be granted. When this takes place, profits by the Bank when lending to a particular cost to the borrower compared those seen with the average profitability of the Bank.
When training is of great importance is the use of different peda- logicheskih of programmeusualiy and new learning technologies, such measures interactive learning. Guarantee agreement applies when the borrower is a citizen. However, there are a number of issues: 1) What is Bank in a market economy? 2) What is his role? 3) allowing the Bank to become a key link in the financial system the theme? 4) What is the banking system of the Russian Federation? 5) What are the problems of functioning of the Russian banking system? 1.1. Fee given and received funds formed under the influence- eat supply and demand of the borrowed funds. The funds can move from lenders to borrowers and without the mediation of banks, however, increase dramatically the risk loss of money, given in a loan, as lenders and borrowers are not aware of the solvency of each other, and the size and the offer term funds do not coincide with the size and SRO kami needs.
Call the loan is repaid by the borrower usually a warning for 2-7 days. 6. payment in the form of Commission. Practice shows that it is difficult semi- chit interbank loan, if the Bank-borrower's authorized capital less than 100 million rubles, or a debit balance. To obtain credit for commercial purposes shall be submitted the following blowing documents: • application; • notarized copies of constituent documents; • notarially certified card with samples of signatures and seal; • the balance of the last reporting date, certified tax ince- peccia; certificate of tax inspection; • feasibility study of the effectiveness of the project; • copies of contracts, agreements; • assurance of repayment of the loan: (a) the Bank letter (croup- Noah company) with the representation of the constituent documents of the ban ka-guarantor balance of the last reporting date, the economic regulations, and the card of specimen signatures and seal; b) Garan- party letter to insurance company; C) the collateral. International financial con- conference, held in Brussels in 1920, stated: "In countries where there is no Central issuing Bank, create it". The Bank shall transfer the account of the borrower the loan amount. Under the guarantee of insurance companies loan get harder and only small amounts (no more than 50-100 thousand rubles), while being governmental requirements to the borrower, its financial position the build and quality of a commercial project. PRINCIPLES COMMERCIAL BANK The set of reasons that businesses guide podstolice in the process of activity, called principles. The as spring sprout".