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Loans at low rateAccording to the Russian legislation, the Bank is different from all other many financial intermediaries that only he has exceptional Noah the right to carry out in aggregate following banking OPE- the radio: • attracting deposits from individuals and legal ical parties; • placement of attracted funds of legal entities and individuals on their own behalf and at own expense on the terms of the who- vrednosti, interest payment, and maturity; • opening and maintaining Bank accounts of individuals and legal- individuals. Liquidity means the unconditional solvency Ho deistvuyushego of the subject and assumes a constant equality between assets and liabilities as on the total amount, and timing on- statements. A key element of the financial system of any developed state STV today is the Central Bank, official conductor of monetary policy. - ment of the turnover is made in the process of repayment by the borrower. Within provided- tion of the loan, the Bank pays all the accounts of a business entity. Second, banks are distinguished by a commitment of unconditional promises formed with a fixed amount of debt to legal and fizi- ical parties. Modern commercial Bank can offer customers up to 200 products and services.

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1. 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 guarantee agreement is a Supplement to the credit agreement and shall be certified by a notary. However, there are a number of issues: 1) What is Bank in a market economy? 2) What is his role? 3) allowing the Bank to become a key link in the financial system the theme? 4) What is the banking system of the Russian Federation? 5) What are the problems of functioning of the Russian banking system? 1.1. 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.

Therefore, it is not with- all right. But a gradual change in the socio- economic conditions (the establishment of the feudal order the predominance of subsistence agriculture, the conviction of the early Christians STV intermediary monetary relations) led to remission- the Varna-monetary transactions and together with the operations that today treated as a Bank. Credit is a form of cash capital creditor. Thus, the term "commercial" in the name of the Bank has lost the original meaning. Economic independence implies: • the freedom to dispose of own funds of the Bank and mobilization of resources; • free choice of clients and investors; • free disposal of the Bank's income.

Under Russian law to banking operations include: Attracting deposits from individuals and legal individuals. So, for example, 55 % of the capital of the Bank of Japan belongs to the state stvu, and 45 % — private individuals; in Austria 50 % of the capital belongs the state and 50% ownership of individuals and legal entities- residents. 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). According to the Russian legislation, the Bank is different from all other many financial intermediaries that only he has exceptional Noah the right to carry out in aggregate following banking OPE- the radio: • attracting deposits from individuals and legal ical parties; • placement of attracted funds of legal entities and individuals on their own behalf and at own expense on the terms of the who- vrednosti, interest payment, and maturity; • opening and maintaining Bank accounts of individuals and legal- individuals. In this function of the credit lies with motion de neg on the scheme: "savings — investment". In article 5 of the Law "On banks and banking activity STI" refers to banking operations and other transactions, but these concepts Tiya is not differentiated.

They definitely are the founding documents, a card with samples of signatures and seal, balance. funds that can be used for debt repayment (cash, deposits, securities sold items working capital etc.). Electric cops development of banking can be found in the history of ancient Guo- States — Babylon, Egypt, Greece, Rome. One of the first banks in the modern sense of the term was founded in 1407, the Bank of Genoa. loan money on a call — loan of up to in demand- ment) is a short — term loan that is repaid on the first requirements the tion and, as a rule, is issued under the provision of securities and goods. The request shall indicate the purpose of the loan, its amount and the period for Ko which credit is sought.

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