Bank is a credit institution, which is part of the banking system of the Russian Federation.The most important activity of the credit organizations in Russia are cash transactions of commercial banks.They are executed by means of cash transfer of funds from individuals or organizations to transfer them to the accounts of safety adopted by the Finance and issue them on request.Particularly significant and important for the credit organization is to meet the customer's requirements in full.Taking cash, the bank increased its reserves and thereby enhanced properties of active operations, thereby multiplied by the bank's profit.When you leave the cash to customers, banks charge a commission from it.At the same time have the right to provide additional services to the client the nature, such as cash collection.So shortly proceed cash transactions of commercial banks.
Other types of operations of commercial banks are essential.Active-passive operations of commercial banks represent special properties of financial and exchange services.This activity of the bank is to manage securities, including shares in counseling, planning the budget and tax period.The predominant operations in consideration of the credit institution, perform trust operations, which is to manage the trust assets and the appointment values of the fund.The company concludes a credit institution, the so-called trust contract, according to which the bank takes over the management of funds entrusted to it sensibly and get income for the owners.In turn, the bank for this service is paid.
Despite the fact that the cash transactions of commercial banks have widespread use, however, all operations to classify.In practice, the types of banking operations, credit institutions are presented as passive, active brokering.During the passive operations, banks collect necessary for their successful work in cash.It may be your own or borrowed finances.The sources of their own finances of banks can serve a long-term nature of the loans and the proceeds from the sale of securities, payments of current profit in the reserve fund of the destination.The funds that were attracted by the bank, are formed by customer deposits in savings accounts of various kinds.The most important place in attracting funds allocated loans and rediscount.Usually, the banks' own funds are a small portion of the funds.For example, it may be noted that even the banks with a known name, their own funds do not exceed 10 percent.
Active operations are focused on the application of organized monetary fund to profit was obtained.They are divided into investment and credit.Recent operations are aimed at individuals and entities, investment are also its customers.
Despite the fact that the cash transactions of commercial banks play a role in the development of this organization, brokering mutually credit, they have created a configuration service credit institution, factoring, moreover, has become a popular and leasing.This activity is aimed at services for citizens and organizations.So, factoring prniyato considered resale rights to debt collection, in addition, commercial activities, soveschennye proxy from clients.Leasing plays the role of a long-term lease agreement or the type of financial leasing.Operations with the bills of the bank are the main forms.This account of the bank notes, in the case where the bank pays to the holder a certain amount of funds.The holder of this security can be both physical and legal persons.In addition to the forms of bank operations with bills include loans secured by such security, acceptance, promissory notes and surety operations with the nature of the commission bill.
