Banks, staffed by experienced financial system, can give expert advice, especially when the issue it should optimize the utilization of the loan, savings, investment the training funds. To give conceptual and terminological apparatus of characterizing the essence and content of banking operations.
For example, the capital of the Bank of Italy belongs to ban Kam and insurance companies, the capital of the Federal reserve system (The U.S. The Bank estimates the amount received by the borrower profits from the point of view- ment opportunities the payment of Bank interest in the implementation normal financial activity; • "purpose" of use of credit resources; • the amount of the loan. Today in banks safe the storage of valuables departments hire safes, where under Zam- com are client value while the latter does not need to- access to their property.
As part of Finance performs the same three functions that and Finance: • the formation of funds and the receipt of cash from the cash resources; • the use of funds and cash; • the control function. This: • issuing Bank, which is fixed for monopoly money issue; • the Bank of government: budget execution and control of the state governmental debt; • the Bank of banks: clearing centre, the lender of last resort; • conductor of monetary and foreign exchange policy; • the Supervisory authority for banks and financial markets. Trust (trust) services. Analysis of balance sheet liquidity is to compare funds the assets are grouped according to their degree of liquidity and located in descending order of liquidity, obligations, liabilities, sgroup- perovanni on the maturity date thereof and arranged in the order of increasing deadlines. 3. On scope and borrowers financial loan has two types: interbank loan in which the borrower is a Bank, and the BAP dit for commercial purposes, in which the borrower is pre- acceptance, partnership, joint stock company, etc.
Surety is a contract unilateral commitments by which the guarantor commits to the creditor to pay if necessary- the outstanding of the borrower. Loans were so- to favorable the fact that banks began to seek ways mobiles- the organization (attraction) additional funds. Acquiring claims from third parties the execution of duties- to dominate in cash. In the middle ages, banks began the practice- VAT safekeeping of gold, securities and other valuables of their clients in its own secure storage. Investment tax credit constitutes such change approval of payment of tax where a business entity providing it is seen an opportunity within a specified period and in specified- tion limits to reduce their tax payments, followed the phased payment of the amount of the loan and accrued interest.
Reduction of interest rates on the loan!