Topic 29. Organization of interbank lending (IBK)

The interbank loan market in the Russian Federation is represented by three main types of loans:

1*long-term loans from 3 to 6 months,

2*loans with terms from 1 to 3 months,

3*from several days to 1 month.

The dynamics of the profitability of the 1st interbank loan has the following characteristic features: 1. The most stable trend 2. Significant connection with the movement of macroeconomic indicators. 2 and 3 are characterized by: 1. Pronounced cyclical dynamics of transaction volumes, 2. High liquidity of these money market instruments. 3. The profitability of these loans is related to the period of provision. Types of interest rates in the interbank loan market: 1. MIBID rate - the announced rate of banks for attracting loans, the weighted average. 2. MIACR is the weighted average actual rate on actually provided loans. 3. MIBOR - weighted average announced for the provision of loans (set by sellers). The reasons why the Central Bank attracts funds in times of crisis: - lack of money, - the Central Bank attracts deposits in order to provide commercial banks, - to regulate money circulation in order to withdraw the excess part. The role of the Central Bank in the interbank lending market: 1. The Central Bank, through its regulatory legal acts, regulates operations in the interbank lending market, establishes the rules for accounting for loans granted, the calculation and payment of interest. 2. The Central Bank, through setting rates for its operations, influences the level of interest rates on the interbank lending market.

RMBC members:

▪ creditors (Central Bank of the Russian Federation and KB),

▪ borrowers (CBs, other credit organizations and the Central Bank).

Key players divided into categories:

a) loan users, b) operators at RMBK.

Operators are divided:

a) dealer banks (provide and receive loans, engage in currency conversion, work in the stock market. Act on their own behalf and at their own peril and risk), b) operating system banks (role of intermediaries. Income - commissions).

Not the main participants of the interbank market (RMBC):

1) Banks whose operations on the interbank lending market are irregular. 2) Russian information and information-analytical agencies and services serving the market. 3) Foreign agencies operating in the Russian Federation (Reyters). 4) Foreign banks providing loans to Russian banks.

Organization of interbank lending. One of the main elements of organizing interbank lending is the formation of interbank interest rates. Their economic purpose is as follows: 1. They are the current rates at which interbank funds are attracted and sold 2. These rates are indicators of the RMBK, i.e., guidelines for other interest rates. 3. These interest rates can serve as stimulants for attracting resources to the interbank market and pumping them from other segments. In foreign practice, there are several levels of interest rates in the interbank market: 1. Official interest rates established by the Central Bank (discount, refinancing, pawnshop) 2. Interbank rates for the supply of credit resources by the country's leading banks to first-class borrowers. As a rule, they are higher than official interest rates, but not always. 3. Prime rate is the base rate. At this rate, croup. CBs provide loans to prime non-bank borrowers, i.e., corporations. The conclusion of a transaction on the interbank market can take place in the form of a general agreement, which stipulates the conditions of credit transactions for a specific period. An agreement on interbank lending includes: - the volume of credit resources, - the level of the interest rate, - the duration of either the agreement or the receipt of a loan, - the rights, obligations and responsibilities of the parties. The interest rate remains unchanged throughout the entire term of the contract.

Authors: Shevchuk D.A., Shevchuk V.A.

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