active operations of commercial banks - is the use of own and attracted resources, carried out by the bank to make a profit.When carried out active operations of commercial banks, it made a lot of different investments that bring yield interest, dividends or participation income of joint ventures.Active operations of commercial banks have economic substance of an active operation, which cost the following interrelated problems that are solved by banks during the whole time in which the active operations.
Ultimately, any activity of the bank is to be achieved income to cover the costs, the payment of dividends on shares, interest on deposits and savings, and gain some profit;ensured the solvency of the bank, and this makes it possible that the bank on time and fully consistent in their obyazatelstvu.Oborotom and funds provided liquidity, that is possible to quickly (preferably without loss) to turn assets into cash.
greatest value in the active operations of commercial banks are lending operations.In the current circumstances a commercial bank expands its own services and operations designed to receive the income.These operations include Trust, warranty, operations with plastic cards and so on.Objective - to deepen the already existing active operations of commercial banks and introduce new ones.
To achieve this goal requires a binding decision of the following tasks: the disclosure of the economic essence of active operations, its types and structure of the active operations of commercial banks;to show the role of credit in the operational services of a commercial bank and their income in the current environment, as well as the active operations of commercial banks with securities in the stock markets.
active operations of commercial banks - is banking on accommodation available to their commercial bank and borrowed money to make a profit.The economic essence of the active operations of commercial banks - is following a cost-related tasks, which solves the bank, while the implementation of active operations: profitability is achieved to cover costs paid on shares, interest on deposits and savings, and profit;ensured the solvency of the bank;provided liquidity.Quality assets define the following properties: profitability, liquidity and risk.Management of assets of commercial banks is carried out directly by the bank.
Considering profitability, assets are: assets that do not generate yield - a Cash fund of obligatory reserves of the Central Bank's money on correspondent accounts; bearing assets yield - credit operations, operations with securities, the income from the rental of buildings and structures.Given the liquidity of assets are: first-class assets - cash on hand, correspondent accounts, securities of state; liquid assets - short-term loan, interbank loans, factoring, operations with securities;These assets have a longer period of monetization; illiquid assets - long-term loan, leasing operations, illiquid assets - bad loans, insolvent or bankrupt securities organizatsii.Riskovannost is the potential for loss during the conversion of assets into cash.Basic banking risks: credit risk - nevozvrashaetsya principal and interest, interest rate risk - the loss due to the fact that the percentages are exceeded for resource mobilization.
Thus, any active operations of commercial banks are an integral part of their daily work, ensuring movement of their available cash.
