interbank loan is considered an area of borrowing, which is reliable.After all, any credit institution meets the temporary need for cash to other banks only in the case of a sustained financial stability.In addition, other natural or legal person is too dependent on changes in external financial factors, especially inflation fluctuations in the market.
Interbank lending is a common tool for the maintenance activities of the banking system and its individual elements.Credit institutions have resorted to this type of loans in the event of a sharp decline in the level of liquidity, in addition, they allow you to maintain the desired level of profitability.Liquidity is understood the bank's ability to meet its obligations on time without making customers wait.It is for this indicator conclusions about the prestige of the institution.
However, interbank loans are in addition to the undeniable advantages and certain disadvantages.First of all those acts that borrowing is only for a short period.Long-term bank lending banks would not be beneficial to either party.In addition, credit institutions resorted to this instrument to meet the temporary lack of financial resources is rarely, only in the absence of other methods.This is not surprising, because the cost of such a loan is rather high and is not always beneficial to the borrower.To eliminate the existing drawbacks and improvement of the banking system is necessary to develop such a direction as the inter-bank credit.First, we should direct every effort to create a comprehensive information base and automated receipt of all necessary information.
Relations between banks appear in the credit agreement, in particular the agreement by the parties set a specific deadline, the cost, the method of payment of the loan and so on.In recent years he began to develop an interbank loan with a term "overnight", that is, the amount of debt will have to return 24 hours later.For a long time it was the price is low enough, so many organizations have today this service.
If we talk about the role of interbank loans (interbank credit), then use it for the development of the banking system is not in question.After all, it allows financial institutions even in times of financial difficulties remain solvent.On conditions for the issuance of such loans is influenced by external economic factors.For example, the situation in the financial market determines the interest rate.Naturally, its decrease leads to decrease in the cost of the loan, and hence can be expected to increase demand.Basically developed short-term loans, since the issuance of long-term inter-bank loan requires a combination of several factors.Firstly, the positive trend in interest rates.Second, stable prices for government securities.Finally, the reliability of the organization-borrower's ability to pay stable.In practice, this "harmony" is extremely rare, which is why long-term loans have not received proper distribution.
It's no secret that to get any kind of loan the borrower must provide certain documents.Interbank loan is granted on the basis of statements of constituent documents of the organization, borrow, copies of state registration, charter, seal and signatures of responsible persons and other standard documents.Before making a final decision lender conducts a thorough analysis of the financial statements of the borrower to determine the prospects of development and level of solvency.
