Conventional assets under

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.

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.

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. She issued a letter of guarantee. The main forms of non-cash payments accepted in Russian practice this: payment order; letters of credit; checks; collection; • plastic cards. Economic independence implies: • the freedom to dispose of own funds of the Bank and mobilization of resources; • free choice of clients and investors; • free disposal of the Bank's income. 2872-1 "On pledge". Banks have the right to act as: • investment institutions that carry out activities activities on the securities market as an intermediary; • investment adviser; • investment company; • investment Fund.