therefore, takes credit redistributive function

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. 

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 ".