At the same time, credit is an independent financial categories the history and has its own specific function. International loan foreign by banks, credit organizations, foundations, governments eno- strange States.
On the overdraft facilities are reflected, on the one hand, the Bank loan and all Board- LM from the account on behalf of clients and funds to the Bank from customers in the form of revenue, deposits, loan repayment, etc. To visual programmamatically are schematic gra- graphs, drawings, charts, etc. Its liabilities commercial Bank meets all in- appropriate means and property which may be imposed a penalty.
The main forms of non-cash payments accepted in Russian practice this: payment order; letters of credit; checks; collection; • plastic cards. In turn, cash- credit policy, along with the budget, is the basis of all state state regulation of the economy. The fourth principle of operation of a commercial Bank is that the state may regulate its activity STI only indirect economic means, rather than direct in- the Kazi, i.e. The form of the loan the borrower can be different. Paying agent by wire transfer calculations is the Bank. The main purpose of Bank intermediation in moving the cash resources from lenders to borrowers and from sellers to buyers.
However, the value of the issuing monopoly and calculation- tion center is reduced due to modification of the circulation of money and the introduction of electronic cash systems. Practice shows that it is difficult semi- chit interbank loan, if the Bank-borrower's authorized capital less than 100 million rubles, or a debit balance. But not all banking transactions on a daily basis are used in practice specific banking institutions (for example, running international settlements or trust operations). Leasing operations. Public debt may be in the hands of the Central ban ka, the private sector (companies and enterprises), of the population.
Reduction of interest rates on the loan!