The credit agreement contains a kind loan amount and term of the loan, calculation of interest rates and commissions who- awards the Bank for its costs associated with the loan, view collateral, in the form of transfer of the loan to the borrower. 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. Relations on a loan is a financial relationship between the credit Thor and the borrower related to the circulation of capital in order to under- treatment its size. Credit primarily issued by banks, although they can be provided economic entities with available cash environments- STV. Acquiring claims from third parties the execution of duties- to dominate in cash.
Central Bank is owned by member banks of the fed. . Bank credits issued in rubles and in foreign currency, when- than on commercial terms of charging higher interest rates for not repaid on time part of the debt on the loan. Trust (trust) services. In practice, no such division, basic loan conditions Odie- nakova for taking credit for 1 year or 10 years.
Active operations is a set of operations on storage- of own and borrowed funds of the Bank to obtain profit. It is extremely difficult to get a loan for commercial purposes, if the borrower "zero" balance (minimum s ' share capital or any results). Modern commercial Bank is an organization created for fundraising and posting them on its behalf the terms of repayment, payment of interest and urgency. For example, pre- maker buys land, lays it on the money built the Foundation of the building. The request shall indicate the purpose of the loan, its amount and the period for Ko which credit is sought. Over time, the money changers began to use these deposits, as well as intrinsic governmental funds for lending and receiving of interest, that meant the transformation changed in the bankers. However, on the other hand, in the case a sufficiently large public debt, the liquidity of the economy indirectly changes and over-borrowing can cause VAT structural imbalances. Of fundamental importance is a clear distinction of the state public Finance and banking system, i.e. 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. It is extremely difficult to get a loan for commercial purposes, if the borrower "zero" balance (minimum s ' share capital or any results).