For receiving the credit the borrower submits to the Bank (creditor) application and other required lender documents. Today, commercial banks are able to provide clients with up to 200 types of banking products and operations.This large figure- of banks requires a systematic approach to the study of banking.
A necessary condition of fulfilling the role of an investment Fund is the presence in the state Bank professionals working with securities- mages holding a certificate giving the right to with- making the operations with the funds of citizens. 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. Academic discipline "Banking" has three goals: 1.
A mortgage loan is taken to cover major capital expenditures. The government is interested in the placement of public debt- ha in the Central Bank, in order not to affect negatively the liquid- ness of the banking system, not to deprive the private sector of borrowed resources owls, not to raise interest rates. Can be applied the following blowing methods of charging interest: interest is charged upon of the loan, the loan maturity date or uniform- mi premiums throughout the term of the loan. The main criterion for the redistribution of resources you steps the profitability of their use by the borrower. Savings accounts. 4.
The tenure of the top management of the Central Bank or not limited at all (Denmark, Finland, Norway), or limited to a sufficiently large term: 7 years in Canada The Netherlands, Australia, 8 years in Germany. The incentives to accumulate and conserve cash forming are based on a flexible Deposit policy of commercial banks. The term insurance is for the period for which the loan was made. without security and having security.Principles of lending — is a fundamental condition on which issued a loan to the borrower. In case of loan default on time the borrower is charged interest (i.e., a fine nye sanctions), the size of which is determined in the loan agreement.
Reduction of interest rates on the loan!