Table of contents (expand)
- The credit system of the Russian Federation: essence, structure, meaning
- Legal basis for the activities of banks in the Russian Federation (Laws "On banks and banking activities", "On the Central Bank of the Russian Federation (Bank of Russia)")
- Central banks, their functions (western model)
- Functions of the Central Bank of Russia
- Passive and active operations of the Central Bank of the Russian Federation
- Monetary regulation of the economy by the Central Bank (Western and Russian models)
- Regulation and control by the Central Bank of the activities of commercial banks of the Russian Federation
- Organization by the Central Bank of cash circulation in the Russian Federation
- Refinancing of commercial banks by the Central Bank of the Russian Federation
- Operations of the Central Bank of the Russian Federation on the open market
- The essence and purpose of the fund of required reserves of commercial banks in the Central Bank of the Russian Federation
- Banks of individual elite service - Private banking ("Private banking")
- Credit auctions: essence, order of organization, meaning
- Operations of the Central Bank of the Russian Federation on servicing the public debt of Russia
- Modern inflation: essence, causes, forms of manifestation and their types in the Russian Federation
- Money circulation and its structure
- Indicators of the volume and structure of the money supply in circulation in the Russian Federation
- Monetary systems, their main elements (Western model)
- Features of the monetary system of the Russian Federation
- Interbank loans in commercial banks of the Russian Federation
- Interest rate policy of Russian banks
- Stocks: types and characteristics
- Securities in the Russian Federation. Types and characteristics
- Loan capital market: structure and functions
- Securities market: structure and functions
- Primary securities market. Methods of issue of securities
- Stock exchange: organizational and functional mechanism in the Russian Federation
- Characteristics of the secondary securities market
- Features of retail banking services - Retail banking ("Retail banking")
- The essence of money, their functions
- Theories of money and inflation
- Credit money, their types
- Bill, its essence, types
- Government securities (western model)
- Commercial banks: essence, types and role in the economy (Western model)
- Commercial banks: essence, types and role in the Russian economy
- Passive operations of commercial banks of the Russian Federation
- Formation of own resources of Russian banks
- Attracted resources of commercial banks in the Russian Federation
- Liability management in commercial banks of the Russian Federation
- Active operations of commercial banks of the Russian Federation
- Loan operations of commercial banks in the Russian Federation: essence, types, characteristics
- Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation
- Forms of loan security
- Operations of commercial banks of the Russian Federation with securities
- Investment activity of Russian banks
- Asset management of commercial banks
- Liquidity of credit institutions of the Russian Federation. Liquidity indicators
- Financial risks
- Characteristics of the bank's assets in terms of providing liquidity, profitability
- Forms of credit: commercial, banking, consumer, state, international
- Financial services of commercial banks (leasing, factoring, trust transactions)
- Settlement operations of commercial banks
- The main forms of cashless payments in the Russian Federation
- Formation of check circulation in the Russian Federation (checks of commercial banks)
- Main forms of international payments
- Foreign exchange operations of Russian banks
- Foreign exchange market in the Russian Federation: participants, structure
- Mortgage banks and their operations (western model, experience in the Russian Federation)
- Investment banks and their operations (western model, experience in the Russian Federation)
- Savings banks and their operations (Western model)
- Savings banks of the Russian Federation
- Insurance companies and their operations
- Pension funds and their operations
- Investment companies and investment funds (western model, experience in the Russian Federation)
- Theories of credit
- The essence, functions and role of credit in the market economy of the Russian Federation
- International financial institutions
- Essence and functions of banking marketing
- Essence and functions of banking management
- Credit, investment and financial consulting
Savings banks of the Russian Federation
The Savings Bank of the Russian Federation was created with the aim of attracting temporarily free funds of the population and enterprises and their effective placement on the terms of repayment, payment, urgency in the interests of the bank's depositors and the development of the economy. The Bank is engaged in credit and settlement services for business structures, carries out foreign exchange transactions for settlements of clients with foreign partners. With the transition to market relations, the Savings Bank of the Russian Federation promotes the investment of the population's savings in the economy through participation in the securities market or directly through the acquisition of means of production and independent entrepreneurial activity. The Bank concentrates a significant amount of deposits and operations, has a wide network of institutions, branches, a significant number of employees.
The main functions are:
▪ placement of raised funds in the economy and in transactions with securities;
▪ credit and settlement services for enterprises and organizations;
▪ lending to consumer needs of the population;
▪ carrying out cash settlements and payments on the farm and with the population;
▪ issue, purchase, sale and storage of bills, checks, certificates and other securities;
▪ consulting and provision of economic and financial information;
▪ provision of commercial services (factoring, leasing, etc.)
▪ founding function;
▪ carrying out currency transactions and international payments.
One of the most important functions of Sberbank is to attract funds from the population and enterprises that are temporarily not used for current consumer purposes. Thanks to this function, depositors receive state-guaranteed income in the form of interest on free funds invested in the bank.
Passive operations reflect the attraction of funds from enterprises and the population, and active operations reflect the use of these funds on a credit basis.
Passive operations include operations on: acceptance and storage of deposits of the population and enterprises; settlements of citizens and enterprises for their financial obligations of various kinds; sale and purchase of government and other securities.
Sberbank's active operations are associated with the provision of loans to banks, organizations and the public within the limits of the resources at its disposal. Loans are issued for consumer needs; for the placement of public funds in government and other securities; in loans to commercial banks and other legal entities by transferring the resources of the Central Bank of the Russian Federation.
The development of Sberbank's operations was significantly influenced by factors related to changes in economic conditions in society, the most important of which are the elimination of Sberbank's monopoly and increased competition between commercial banks for attracting household funds; increase in demand for credit; dynamics of the price structure, supply of goods and services and corresponding expenditures of the population; differentiation of the population by income level; interest rate policy of banks; opening privatization accounts of citizens for the acquisition from the state and municipalities of state and municipal enterprises, shares in the capital of joint-stock companies and partnerships, as well as the acquisition of other objects of state and municipal property in the territory of the Russian Federation.
The Bank seeks to maximally observe the interests of depositors and takes care of satisfying its own interests, seeking to obtain the greatest profit from lending and other activities.
Author: Shevchuk D.A.
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