In determining the functions of the loan must be borne in mind that when you change economic substance of the historical development and its changing function. With credit for the cost of redistribution return basis, therefore, takes credit redistributive function. It common to all forms and types of credit. Can only be redistributed value (as in the commodity and in cash), which currently is free. In this case, the owner of the value does not change, it remains lender. The borrower is not using a consumer value granted a loan of things or financial resources. The cost can pererozpolyatysya between different business entities, sectors of the economy and regions of the country and between different countries. Another feature is the creation of credit money in circulation of money - emission function. It only takes a bank loan. It means credit expansion (expansion of credit) and credit restriction (Narrowing of credit) is governed by the amount of money in circulation.
therefore, takes credit redistributive function
direct and indirect lending
Kredytni relations between commercial banks and borrowers are built on the basis of credit contracts (agreements). In practical activities of banks rozriznyayetsya direct and indirect lending. In the direct kredytuvanni agreement on the loan is concluded directly between creditor bank i borrower. Indirect Lending occurs at purchase bank financial liabilities (usually promissory notes) of the borrower. Usually, the relationship between business credit agreements are voluntary. In a market economy subject to credit relations according to MI Savluk are the most money as a shared resource for which you can buy all the other resources - financial, technical, labor, natural, etc.. Tangible benefits are the subject of credit rare. A characteristic feature of the loan is payment of interest on [20]. The specific manifestation of credit is essentially performing functions such as redistributive, and emission control.
commodity production
According to R. and B. Kotsovskoyi Rychakivska concept of "credit" came at a certain stage of human development as a historical phenomenon. Development banks and commodity production, circulation followed closely next i pereplitalys, ie the relationship between producers and creditor arose when the seller needed to sell the product, and the buyer is not have the money to buy it. Therefore there is a need, such as transfer of goods from the seller to the buyer deferred payment, that is - in credit. Banks thus formed as a Financial intermediaries attract capital, savings and other monetary remedies that vyvilnyuyutsya in the course of business activities, i give them temporary Becoming instytutsiyeyu financial redistribution cost, now Commercial banks can offer customers with up to 200 species of various banking products and services. However, it is available defined list of basic operations, without which the bank can not normally funktsionuvaty, such a credit activity. The structure of the active bank operations largest share with lending activities, maximal because of the bank's assets is invested with kredytni operations. Loans - the ratio between the creditor and debtor (Borrower) concerning the provision of (obtaining) the temporary use funds, their return and payment. Kredytni operations have priority source of bank profits, but in connection with an increase in recent years cases of default loans data operations are an increased threat to the stability and stability of the bank as a whole. An example in this respect may serve doli number of banks in Ukraine, which contributed to the collapse of risky credit policy.
The banking system by providing loans organizes and maintains
The banking system by providing loans organizes and maintains traffic capital ensures its involvement, accumulation and redistribution in those the production and circulation, where there is a deficiency of capital. Activity PAT "Raiffeisen Bank Aval" as any activity other businesses and provided as standardized the Constitution of Ukraine and laws and regulations. According to Article 42 of the Constitution of Ukraine, everyone is entitled to business activity that is not prohibited by law. The state protects competition and entrepreneurship. Also not allowed abuse of monopoly status in the market, limiting illegal competition and unfair competition. [1] Law of Ukraine "On Banks i banking activity" found that bank - A legal entity which has the exclusive rights under a license National Bank of Ukraine to carry out together the following: bringing in cash deposits of natural and legal persons and allocation of these funds on their behalf, on their own terms and at own risk, opening and maintaining bank accounts of individuals and entities [6].
textbooks, manuals, and other sources
theoretical basis of the work are Ukrainian and foreign scientists (A. Frost, M. Savluk, SN Kabushkin, A. Milalai, IN Verhunenko Persia, and others), laws and regulations Verkhovna Rada of Ukraine, President of Ukraine, National Bank of Ukraine, Intra instructions and conditions. Knowledge base are reporting and current commercial bank materials, data periodical press, textbooks, manuals, and other sources of information [1-12,17,27,38-41,64]. The results of this thesis can be considered banking institution in the development of its monetary policy and highlighted material will be of interest to the public of specialists in the field of economy and Finance. 1 THEORETICAL BASIS OF COMMERCIAL BANK PJSC «Raiffeisen Bank AVAL " 1.1 The essence of credit operations and their role in the commercial Bank Banking system today - it's one of priority and nonnegative structures of a market economy. The main point is the credit system banks and credit institutions licensed by the National Bank of Ukraine, which simultaneously act as buyer and seller of existing in society temporary funds.
The aim of this work is to find ways to improve
The subject of research is the lending activity of PJSC "Raiffeisen Bank Aval ". The aim of this work is to find ways to improve lending activity a PAT "Raiffeisen Bank Aval" Based on the defined target objectives of this thesis are: 1) reveal the essence and the main aspects of credit commercial bank; 2) explain the concept of credit risk and portfolio structure; 3) to consider the regulatory and legal framework in the field of credit; 4) give general financial and economic characteristics of commercial bank; 5) an analysis of the structure of the loan portfolio PAT "Raiffeisen Bank Aval "; 6) Based on the analysis of the loan portfolio and research money market suggest ways to improve credit of PAT "Raiffeisen Bank Aval".
control over the intended use of the loan
In view of the existing problems and the situation in the money market, questions on how to improve credit activities are quite interesting. Indeed, the study of the sources and forms of repayment, development methods to reduce the proportion of bad loans in total loans, the effective use of the analysis provided loans effectively manage interest rate risk for banks allowance for possible losses on loans, implementation of quality forms of security and control over the intended use of the loan have a regulating effect on the banking business. Therefore, because of the complexity and multiplicity of topics discusses many issues require in-depth systematic study. The object of study is the Joint-Stock Company "Raiffeisen Bank Aval ".
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