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 83
Bill - this is a document drawn up in the form prescribed by law and containing an unconditional abstract monetary obligation.
Accounting for bills.
The development of bill circulation allows commercial banks to introduce new credit operations with bills:
1) Accounting for bills - an operation in which the bill holder transfers (sells) bills to the bank by endorsement (endorsement) before the maturity date and receives the bill amount minus a certain percentage (discount or discount rate). The accounting credit is used to finance the turnover of goods and is of a short-term nature. The accounting credit is based on commodity and trade bills, reflecting the actual production and movement of goods.
Loans secured by bills of exchange.
The Bank may provide loans to the client secured by bills of other drawers. Banks can open special loan accounts for enterprises, against which bills are accepted. Typically, the amount of credit provided is 60-90% of the bill amount. These loans are formalized as demand loans and are called call, loans. Repayment of a loan against a promissory note occurs in the usual manner, after which the borrower is returned to the borrower from the security in the amount corresponding to the amount contributed to repay the debt. If funds are not received from the borrower, then the amounts received as payment of bills of exchange are used to repay the debt.
Loan repayment - by transferring funds by order of the client from his account, or by offsetting payments on a bill secured by the loan.
Promissory note credit
Promissory note credit - short-term lending (up to 6 months) through the provision of legal entities any form of ownership loans in the form of bank bills. Loans are allocated according to the main principles of lending: security, maturity, payment, targeted use. It is desirable for the recipient to have an account in this bank.
Under the loan agreement, the borrower receives in his name bank bills with a maturity not earlier than a fixed date. The borrower undertakes to repay the issued loan on time = face value and pay interest on it.
The maturity date of the bill is set by agreement of the parties.
Disposal of bills
Aval is a guarantee, according to which the availer assumes responsibility to the holder of the bill for the fulfillment of obligations under the bill by any responsible person (the drawer, endorser (made an inscription on the transfer of the bill), acceptor (accepted the inscription)). The bank, as an avalist, is obliged to pay the bill in case of failure to fulfill the obligations of the responsible persons. By paying the bill, the bank acquires the right to receive the amount on it. When issuing an aval, the bank charges a commission from the client.
Authors: Shevchuk D.A., Shevchuk V.A.
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