The essence, function and basic operation of commercial banks

Introduction……………………………………………………………………….

Chapter I. The essence, function and basic operation of commercial banks

1.1 The role and importance of commercial banks

in the credit and financial system…………………………………………….…..

1.2 Functions and operations of commercial banks……………………………

Chapter II. The essence and classification of reporting banks

2.1 General requirements for the development of the financial statements of the bank

Chapter III. Analysis of current condition of commercial banks of RK

3.1Analysis of current condition of commercial banks of RK …………………………………………………………………………………….

Conclusion………………………………………………………………………..

References………………………………………………………………………

Introduction

In recent years, issues related to the formation and development of the credit system of the Republic of Kazakhstan, are becoming increasingly important as the introduction of new mechanisms to optimize the credit system enhances the effectiveness of the credit process and the creation of legal and information foundations of economic activity in Kazakhstan market participants to meet modern international standards.

The banking system - one of the most important and indispensable structures of a market economy. Development banks and commodity-money relations and historically paralleled closely intertwined.

The mechanism of functioning of the credit system plays a major part of the state commercial banks.

Commercial banks - is the oldest and the most massive group of lending institutions that perform the majority of financial transactions and services, known in the practice of entrepreneurship in a market economy.

In a modern market economy, commercial banks' activity is of great importance due to their links with all sectors of the economy. The objectives are to banks to ensure an uninterrupted cash flow and capital turnover, lending industry, government and the public, create conditions for national economic accumulation.

Modern commercial banks acting as financial intermediaries have an important national economic function, providing a multi-sectoral and inter-regional redistribution of money capital. Banking mechanism of distribution and redistribution of capital in areas and industries allows us to develop agriculture based on objective requirements of production and contributes to the restructuring of the economy.

They are multi-functional organizations operating in various sectors of the capital market. Banks accumulate the bulk of credit and provide their clients with a full range of financial services including lending, deposits, account maintenance, purchase and sale and custody of securities, foreign currencies and others. Today, the commercial bank is able to offer its customers a wide variety of products and services. The broad diversification of operations allows commercial banks to keep their customers and remain profitable even at very unfavorable conditions. Losses of some operations overlap profits of others who are in this situation for their favorable conditions, not by chance that in all countries with market economies, commercial banks remain the main operational link the credit system. They show a remarkable ability to adapt to the changing conditions of monetary market.

The urgency of the set theme is caused by that commercial banks one of the major attributes of market economy. Creation of a steady, flexible and effective bank infrastructure - one of the major (and extremely difficult) economic reform problems in Kazakhstan.

The aim of the course work - consider the functions of commercial banks and their operations.

The goal identified the following research objectives:

1. Discover the essence of the term "commercial bank";

2. Consider the basic functions and operations performed by a commercial bank;

3. Analyze the development and operation of the banking system in our state

4. To consider modern lines of development of banking in Kazakhstan

Chapter I.

The essence, function and basic operation of commercial banks

Дата добавления: 2015-11-14