Banking. Features of a corporate loan (the most important)

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Banking. Features of a corporate loan (the most important)

Lecture notes, cheat sheets

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Topic 41. Features of a corporate loan

One of the most important activities of the CB is lending. The main subjects of bank lending are joint-stock and private companies, financial institutions, the population, federal and local authorities. Particular attention deserves corporate clients - legal entities, bank customers (except for credit institutions, the population, the subjects of the Federation, municipalities).

High inflation, devaluation of the national currency, lack of a credit system can lead to a deep crisis not only in the banking sector, but also in the economy as a whole. In developed countries, the dependence of corporations on bank lending is decreasing, and for Russian enterprises it is practically the only source of funds.

The main functions of organizing lending to corporate clients by the bank:

1) macroeconomic - perform the main banking tasks of accumulating monetary resources for investment, development of the country's economy.

2) microeconomic - obtaining basic income, contributing to an increase in the profitability and reliability of banks.

Features of corporate lending:

1) high volume, 2) high yield, 3) high risk.

In Russian conditions, corporate lending is one of the most risky active operations, and an unreasonable approach to its implementation can lead to a loss of liquidity and, as a result, to bankruptcy.

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

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