Open account credit

Stock and Investment Banks

Stock and investment bank associated with the purchase of Central Bank actions and the implementation of other investment funds in order to generate revenue. Investment funds in the form of attachments directly into production (for the construction of new facilities, purchase of equipment, expansion of production) are investments or direct investments. Along with direct investments invests funds in the Central Bank and the purchase of equity in the provision of long-term loans. Such investments may be in a simplified form called a portfolio.

2.Bank investment portfolio - are the resources of the bank. Nested in the CB-party agencies and organizations, as well as placed in the form of time deposits in other financial institutions.

Banks play an important role in the organization and operation of the securities market. The financial market, as we know, is a form of cash resources of the economy. Securities Market - generally the scope of the specialized markets, but worldwide banks play an important role in this market, and acting as investors and as a mediator in the sale of shares, bonds, bills, checks, etc.

The conditions of formation of market economy in the Russian securities market and the formation of a serious discussion about the place of banks in this market. A number of economists believe that the activities of the banks at this stage concerning the Central Bank, should be limited, as banks are powerful financial unit, with extensive knowledge and capabilities than other financial society. There are fears that banks mougt become a monopoly in this market and thus hinder its development. Banks, in turn, believe that under current conditions they are most prepared. Qualified machine that can penetrate deeply into the structure of the market and contribute to the development of the securities market.

Lending to borrowers

An important resource for providing credit to borrowers, many banks are deposits.

Consider the classification of loans and borrowers on the basis of the intended purpose

Open account credit

In a market was developed open account credit. KB operates in the current account with financially stable borrowers with a high credit rating. In contrast to the current account, which is the only bank in the passive, on the current account is recorded as existing client assets (including the remainder of the loan the bank account). And it receives a loan (they are recorded as a debit balance on the account). Thus, the current account - the active-passive.

present, Russian CB use experience of the current account, we have gained in other countries.One of the main objectives of the organization of current account - the correct definition of the planned size of the loan, ie, the difference between the need for working capital available to the company, and the sources of their funding. Such a need is determined on the basis of available data on the balance of current assets, goods shipped and normal receivables. If the normal need for the OS is less available to the borrower's balance passive sources of their formation, the difference will be the planned size of the loan required the company to carry out business activities in the planned quarter.

Дата добавления: 2015-11-14