Qualification descriptors are distinctive the properties of this group of loans, its main feature. Therefore remains a key function of the conductor a money but-the credit policy of the state, and a new understanding economic processes naturally leads to a focus on stabilization in an ever more closely linked to General economic politikoy. Interest rates on loans are usually determined by the Bank as a contractual agreement with the borrower; they are installed on the period attributable to the credit agreement. For example, in the United Kingdom as research Institute the focus is on the use in the operations of the Bank of England commercial ical bills, which are the basis of ensuring the banknote emission. The fundamental principles of the activities of commercial the Bank are: work within the resources actually available, economic independence, building customer com- interrelation ships among the market type.
Students form a holistic system of knowledge about banks tion activities and Bank as a financial institution. Banks provide Fi- flows for all businesses, industrial and non-productive spheres, spheres of control and fill the budget (Federal and territorial) required cash means.Through banks is also bilateral motion of the money borrowed (credit). In the laws of those countries there are no provisions that allow the government to intervene in the money but-credit policy pursued by the Central Bank. The credit line usually indicates for a long period of close cooperation of the lender and the borrower. Each the creditor Bank uses its own method of evaluation cred- the ability of the borrower, which, as a rule, it is commercial ical mystery.
Through tra- Stevie departments of the banks managing the securities portfolios of their cus- clients, provide Agency services to corporations, producing stocks and bonds, act as Trustees under the will. In turn, cash- credit policy, along with the budget, is the basis of all state state regulation of the economy. In those days banking operations were limited to buying, selling, dispensing coins, accounting liabili- were before, accept deposits, grant loans, epotech- tion and collateral operations. Purchase and sale of foreign currency in cash and non-cash forms. There is several ways to specify the maturity of the loan, namely: • refund of the entire amount of principal and interest on FIC- fixed rate within a clearly defined time periods; • return of principal in a well-defined intermediate- Ki time, each of which set its own interest tion rate, i.e. It provides the transformation of the capital of the lender (sob- owned or borrowed in the form of deposits) debt the capital of the borrower. Opening and maintaining Bank accounts of individuals and legal individuals. Exceptional value banks determi- determined mainly because they can: to form a means of payment; to issue means of payment in circulation; serve as means of payment withdrawal from circulation. Tasks of the discipline "Banking" are: • to provide students with a certain minimum required theoretical- ical knowledge of the theory of banking and the banks tion activities; • to instill in them the practical skills to work in the banking sector modern Russian economy; • to plan for the future banking professionals the main areas of work of banks in the twenty-first century with regard to possible banking innovation, business banking, Internet, etc. Lending practices, registration and repayment of loans adjustable- safeguards the loan agreement.