Table of contents (expand)
- Banking system (BS)
- Commercial loan (CC)
- Credit system (CS), main links, functions and stages of development in Russia
- Stages of development of the credit system in the Russian Federation
- Operations of the Central Bank on the open market
- Plastic cards and their types
- Consumer credit (PC) and tools for its implementation
- The essence and functions of finance (F). The role of finance in a market economy
- Inflation (I). Causes, socio-economic consequences and methods of regulation. Features of inflation in Russia
- Foreign exchange market (VR): concept, structure, participants
- Bank ratings. Bank Management Assessment (BM)
- Liability management (PM)
- Banking policy (BP) and the scope of its implementation
- Lombard loans (LK)
- The concept of commercial bank liquidity
- Formation, distribution and use of bank profits. Factors influencing the amount of profit
- Transactions and operations with commodities
- Organizational structure of a commercial bank, the role and functions of individual units
- Classification of bank loans
- Accounting policy of the Central Bank
- Borrower rating
- Lending on a checking account (CC), its organization
- Overdraft
- Mortgage
- Factoring
- Leasing operations
- Passive operations (PO) of a commercial bank
- Equity capital of the bank (IC), its composition, the procedure for the formation and regulation
- Organization of interbank lending (IBK)
- credit risk. Evaluation criteria and regulation methods
- Central Bank: status, functions, basic operations
- Interbank communications system (swift, reuters)
- The concept of development of the settlement network of the Central Bank of the Russian Federation
- Globalization of financial markets
- Indicators characterizing the state of the securities market
- Problems of lending to the real sector of the Russian economy
- Business Valuation (OB)
- Valuation Methods and Fundamentals of Mortgage Investment Analysis
- Land valuation
- Mortgage loan and mortgage bank: essence and differences
- Features of a corporate loan
- Valuation of securities
- Bank transfer (BP). Its role in the system of cashless payments and the process of organizing
- Financial market: structure, functions, participants
- Financial system (FS): concept, elements, basics of construction
- Financial mechanism (FM) of the economic structure, its composition and content
- Essence, goals and methods of financial analysis (FA)
- Letter of credit form of payment: its essence and scope
- Banking marketing and its features. The specifics of the banking product and the conditions for its promotion to the market
- Banking management. The essence and prospects of development in the Russian Federation
- Forms of securing bank loans. Pledge operations of banks
- The essence of the securities market (SM), its tasks and functions
- The structure of the securities market (SM), characteristics of its participants
- RZB regulation
- Financial spheres of banking management. Comprehensive management of liabilities and assets of the bank
- KB resources, their formation and quality assessment
- Investment activity of banks and its directions
- Settlement and cash services (CSS) of legal entities and individuals in CB
- CB balance. Its structure. Goals and methods of analysis
- Issuing strategy of issuers in modern conditions
- Investment properties of stocks
- Investment properties of bonds
- A bill as a security and its use in economic circulation
- Secondary securities: features of issue and circulation
- Options: general characteristics, properties and basic option strategies
- Characteristics of the corporate securities market
- Futures contracts: general characteristics, properties and organization of trading
- Government securities (GS): general characteristics, procedure for placement and circulation
- Regulation of the activities of commercial banks
- Regional finance: composition and role in the organization of market relations
- State budget: concept, functions and role in the country's economy
- The tax system and its structure. Tax policy
- Methods of monetary regulation of the economy
- Essence and functions of money. Money supply. Monetary Aggregates
- Monetary system: concept and elements
- System of non-cash payments. Her role, elements. Forms of non-cash settlements
- Currency transactions
- Securities portfolio: general characteristics, types, principles and procedure for formation and management
- Legal basis for valuation activities
- Economic bases of property valuation
- bank loan portfolio. principles of its formation and quality assessment
- Deposit operations of commercial banks
- Banking operations with bills
- Forfaiting
- Operating cash desk
- Electronic payment system "Client-Bank"
- Cash collection services
- Overdraft Loan Program
- Metal bills
- Commemorative and investment coins of the Bank of Russia
- Electronic money and payments
- Employment in a bank (work in a bank)
- Lists of documents required to open an account (for a legal entity)
- Why do you need a loan broker?
Topic 22. Lending on a checking account (CC), its organization
KK - (conto - account, correspondent - current (lats)). - lending on a current account. A type of loan provided to a borrower to make payments in the absence of funds in his current account (s/c) or current account. Issued based on current needs for working capital and is renewable. The need for CC arises when there is a gap in the movement of the borrower’s financial flows in the time between the receipt of funds to the account from proceeds from sales of products and payments for goods and services supplied, with tax authorities, social insurance, etc.
Lender - KB, borrowers - legal entities, legal entities, who take out a loan to pay for purchased goods and services, pay utility bills and other payments.
A loan is granted on a checking account, which consists of two accounts: a cash account and a loan account. For debit - the amount of the loan received as a result of cash gaps with the client, write-off of funds, cash withdrawal. For a loan - the repaid debt and% on it, the receipt of funds to the account from the client's partners, the deposit of cash.
With CC, CB imposes strict requirements on the borrower, but the general ones are: stable financial indicators (according to the 1st class of creditworthiness), the presence of a stable value of net profit or income, a good position in the market for several years, the presence of permanent partners.
Features of QC:
1) before concluding an agreement, the bank conducts a creditworthiness analysis. Then loans are provided without additional documents on financial status 2) the maximum amount of debt is set differentially for each client. The debt limit is defined as the difference between the average need for working capital and own working capital. 2) the bank reserves part of the funds to provide a loan upon request. 3) a maximum permissible debt repayment period is established (usually long). 4) lack of material security for the loan 5) there are 2 types of interest:
a) deposit% - if there are funds on the account, b) loan% - calculated from the daily balance of the loan debt in accordance with the calculated % rate for the current account.
Authors: Shevchuk D.A., Shevchuk V.A.
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