Thus, banks can influence the development of industries and sectors economy allowing this development. 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. International loan foreign by banks, credit organizations, foundations, governments eno- strange States. Guarantee agreement applies when the borrower is a citizen. Fixed-term the risk of a loan means his return. But ban key participants in the financial system have two significant appreciation ka, distinguished from all other entities. Of fundamental importance is a clear distinction of the state public Finance and banking system, i.e. Public debt may be in the hands of the Central ban ka, the private sector (companies and enterprises), of the population. These banks are different from various investment- governmental funds all of the risks associated with changes in the value of their of assets and liabilities and for distribution to its shareholders. The classification of all economic phenomena, including Klas- eficacia credits must be science-based. According to the Russian legislation, the Bank is different from all other many financial intermediaries that only he has exceptional Noah the right to carry out in aggregate following banking OPE- the radio: • attracting deposits from individuals and legal ical parties; • placement of attracted funds of legal entities and individuals on their own behalf and at own expense on the terms of the who- vrednosti, interest payment, and maturity; • opening and maintaining Bank accounts of individuals and legal- individuals. 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. 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. Fee given and received funds formed under the influence- eat supply and demand of the borrowed funds. The Bank operates on the basis of specifi social-resolution — license.
Its liabilities commercial Bank meets all in- appropriate means and property which may be imposed a penalty. 02-63. In the Bank for the borrower offers special loan account — con tocurrent. • For the borrower: • the ability to accurately determine the amount of funds in jeopardy working people at the disposal of the borrower; • the ability to reduce costs of time and financial resources at the conclusion of credit agreements. While the share status of Central banks in a number countries have survived.
Loan maturities are gradually extension- company, part of banking resources began to be used for investment tions in capital assets, securities, etc. While the current Russian legislation does not give direct determination of banking operations and transactions, although using this terminology. If the Bank takes the role of an investment company, he is responsible ripped apart: • organization of securities issuance and the issuance of guarantees on them placement in favor of a third party; • purchase and sale of securities on its own behalf and at own expense, in including through the quotations of securities, i.e. Settlements on behalf of individuals and legal- sci entities, including correspondent banks, on their Bank accounts. Upon expiration of the loan is extinguished, i.e. The provision of commercial credit to the reglirums Bank. The latter include: investment funds, trust companies, financial companies, etc. The balance must be deployed and contain off-balance sheet accounts; • interpretation of accounts No. Tax credit means a deferral or installments in payment of the on- logo.
The reallocation of resources is performed horizontally economic public relations — from the lender to the borrower.
Ubiquity in contemporary Central banks received only in the XX century.