Bank is a structural unit of currency.In terms of finances, the organization acts as an intermediary in the flow of funds from the lender to the borrower and from distributors to consumers.For banks, typical of double exchange and acceptance of the obligations of unconditional kind of debt with a loan, which is fixed.Commercial banking is a part of the credit system of the country, which includes the central bank, credit institutions and branches of foreign banks.
Banks have exceptional value, in particular, they may form a means of payment and release them in turn.Furthermore, it is the banks proceed with the removal of cash from circulation.On this basis, it should be noted that the banks lend to the economic sphere of the Russian Federation, improving its development.Principles of commercial banks lie in the fact that the organization operates within the resources found in the circumstances of the market relations with its clientele.Thus, the commercial banks to implement their operations within the boundaries of balances with correspondent species own purposes.Possibility to carry out this type of activity as the most important operations of commercial banks is certainly present.
another matter - it is about a specific operation, which are recognized investment and mortgage.The chances of such operations rigidly predetermined by the structure of liabilities.This circumstance requires the hard work of the organization of choice to create their own sources of resources.Operate within the own resources raised species can afford only a few banks.These few credit institutions must possess a high level of autonomy in economic turnover of the Russian Federation, while ensuring its liquidity.
functions of commercial banks are in mediation.These features are determined by commercial banks in credit relations, promoting savings in the economic activity in payments between the entities and securities transactions.In addition, there is no doubt the fact that the functions of commercial banks stipulate the fact that these organizations, with a high demand for credit society must mobilize savings in the economy and to create incentives for higher order to accumulate funds on the basis of the restrictive policies of the current consumption.Banks are required to maintain deposit policy that would adjust to the realities of today.With operations in the form of a broker of finance, banks perform operations mediation nature of agreements of sale of securities for the account and on the instructions of his client.The functions of commercial banks are also expressed in the directions of its activity.
Thus, the bank conducts operations that are divided into two groups - active and passive.Passive operations determine the sources of funds and the nature of relations bank financial operations to attract funds into the banks, the creation of their resources.
Operations active species are the bank's activities aimed at making a profit and maintaining liquidity.These types of operations include bank deposits, lending operations, and loan accounting operations.Deposits are the money that had been made to the bank.They are stored in bank accounts and used in strict accordance with the banking laws of the country.Together with deposits can be seen and the growth of other liabilities of the bank - is also raised money, but non-deposit properties.Their bank takes the form of loans or from the sale of individual debt in the financial market.These are generally the basic operations of commercial banks.
