home Finance books Groshі that credit - V. Pakhomov I.

Groshі that credit - V. Pakhomov I.

Theme 7. Location loan rinkovіy ekonomіtsі

Nasampered slіd z'yasuvati sutnіst loan that neobhіdnіst viniknennya Credit vіdnosin.

Kreditnі vіdnosini vinikayut in zv'yazku s pererozpodіlom vartostі mіzh ekonomіchnimi sub'єktami Povernennya in ambushes. Sutnіst loan rozkrivaєtsya through principle kredituvannya: platnіst, turn-nіst, strokovіst, tsіlove priznachennya pozichki, zabezpechenіst.

Neobhіdnіst viniknennya loan pov'yazana s nayavnіstyu vіlnih koshtіv in some ekonomіchnih sub'єktіv that require them іnshih sub'єktіv.

Potrіbno zvernuti uwagi minds on the loan, that stadії zakonomіrnostі Ruhu.

Absent odnoznachnoї vіdpovіdі stosovno funktsіy loan. Vzagalі ponyattya "funktsіya" oznachaє dіyu, yak vikonuє credit. Naychastіshe zustrіchayutsya takі funktsії loan: pererozpodіlcha, checking, stimulyuyucha, emіsіyna, kapіtalіzatsії vіlnih koshtіv penny.

The essence of pererozpodіlchoї funktsії polyagaє in pererozpodіlі vіlnih koshtіv mіzh ekonomіchnimi sub'єktami Shlyakhov peredachі їh in timchasove koristuvannya without zmіni vlasnostі rights.

The essence of kontrolnoї funktsії polyagaє in fact scho in protsesі dії kreditnoї lands lender zdіysnyuє control fіnansovim pitched pozichalnika, scho, in its Cherga, Je stimulyuvannyam dіyalnostі pozichalnika. Thus the rank of credit zdіysnyuє i stimulyuyuchu funktsіyu. In lіteraturі zustrіchaєtsya th control stimulyuyucha funktsіya.

Emіsіyna funktsіya loan polyagaє in fact scho zavdyaki kredituvannyu komertsіynimi banks stvoryuyutsya groshі through dіyu penny-credit multiplіkatora.

Funktsіya kapіtalіzatsії vіlnih penny koshtіv polyagaє in fact scho groshі zavdyaki loan peretvoryuyutsya on vartіst, yak daє dohіd. Whether yak masa pennies, scho nadaєtsya in poziku, daє її vlasnikovі dohіd.

Vazhlivim Je power schodo forms vidіv loan. In rіznih Jerel induced rіzna Quantity yogo vidіv.

Rozglyadayuchi Vidi loan neobhіdno zasvoїti priznachennya sovereign, bankіvskogo, spozhivchogo that komertsіynogo kreditіv.

Reigning nazivaєtsya credit loan, one іz uchasnikіv yakogo Je power. Yogo priznachennya polyagaє in virіshuvannі zagalnoderzhavnih power.

Komertsіyny credit vinikaє, if odne pіdpriєmstvo prodaє іnshomu Flea vіdstrochkoyu s minds paying for Povernennya Borg groshima. Zavdyaki komertsіynomu loan priskoryuєtsya realіzatsіya tovarіv.

Spozhivchy credit - Tse loan, yaky nadaєtsya on spozhivchі required. Vіn spryamovuєtsya on zadovolennya potreb population (pobutovih, nagalnih that zhitlovih). Spozhivchy credit virіshuє sotsіalnі power and takozh vplivaє on rozvitok Economy Shlyakhov zbіlshennya platospromozhnogo popitu.

Je Bankіvskim credit loan, if odnієyu іz storіn Je Bank. In nashіy kraїnі provіdna role nalezhit sama such kreditovі.

Bankіvsky credit fallow od rіznih acquaint themselves, pokladenih based klasifіkatsії, podіlyaєtsya on bagato vidіv. Napriklad for ob'єktami kredituvannya credit podіlyaєtsya on the main kapіtal, werewolves kapіtal, kapіtal on spozhivchі required.

For termіnom vikoristannya credit podіlyaєtsya on korotkostrokovy, serednostrokovy that dovgostrokovy.

Fallow od zabezpechennya credit podіlyaєtsya on zabezpecheny that nezabezpecheny (blank).

For strings Povernennya Je loans strokovі to zapitannya, vіdstrochenі.

Fallow od rate loans vіdsotka rozrіznyayut s fіksovanoyu that plavayuchoyu vіdsotkovoyu rates. For stage riziku loans buvayut standartnі that nestandartnі, tobto s pіdvischenim rizikom.

When vivchennі tsієї those neobhіdno zupinitis on pitannі about nature pozichkovogo vіdsotka. The main yogo vvazhayut vartіstyu kapіtalu, yaky peredaєtsya in credit.

Treba rozglyanuti Vidi vіdsotkovih rates. Sered them rozrіznyayut oblіgatsіynu vіdsotkovu rate bankіvsku deposit, pozichkovu. Oblіgatsіyny vіdsotok viplachuєtsya on oblіgatsіyah. Bankіvska vіdsotkova rate - tse uzagalnena titles. Vaughn buvaє deposit, tobto vіdsotok, yaky splachuєtsya for the deposit. Pozichkovy vіdsotok - tse fee koristuvannya pozichenimi Costa. Je slit mіzhbankіvska vіdsotkova rate - tse Cena pennies when їh kupіvlі-sale mіzh EYAD banks. Rozmіri Names rates vіdsotka rіznі. Naynizhchoyu Je deposit rates. Tse neobhіdno for dwellers for rakhunok rіznitsі mіzh pozichkovoyu i deposit rates vіdsotka pozichalnik mіg otrimati dohіd.

Oblіgatsіyny vіdsotok Got Booty vischim, nіzh deposit, dwellers zatsіkaviti ekonomіchnih sub'єktіv vkladati in Costa Mensch lіkvіdnі assets.

On rozmіri vіdsotkovih rates vplivayut rіznі chinniki. When vivchennі tsієї Especially uwagi those slіd zvernuti on pozichkovu vіdsotkovu bet that uyasniti factorization vplivu on neї.

Treba takozh usvіdomiti role yak vіdіgraє credit in rozvitku Economy Kraina. When tsomu neobhіdno oznayomitis s naturalіstichnoyu that kapіtalotvorchoyu teorіyami loan.

Literature: 1; 3; 6; 8; 14; 26; 40; 47.

Osnovnі ponyattya those

Credit; kreditnі vіdnosini; sub'єkti loan; creditor; pozichalnik; Principi kredituvannya; oblіkova rate; pozichkovy vіdsotok; Etap Ruhu loan; funktsії loan; the form of loans; Vidi loan; kreditospromozhnіst; komertsіyny credit; mіzhgospodarsky credit; mіzhnarodny credit; bankіvsky credit; fіksovana vіdsotkova rate; plavayucha vіdsotkova rate; pozichkovy kapіtal; zabezpechennya; outpost; lіzing.

Zapitannya is the test for self-control

1.Rozkriyte essence of the loan.

2. chomu polyagaє neobhіdnіst viniknennya loan?

3. Nazvіt peredumovi viniknennya loan. SSMSC іsnuyut Etap yogo Ruhu? Nazvіt dzherela formuvannya Credit resursіv.

4. Nazvіt osnovnі Find our Credit vіdnosin.

5. SSMSC sub'єkti take the fate of the credit vіdnosinah?

6. SSMSC іsnuyut form of loans yak i stink mіzh pov'yazanі him?

7. For enlargement ob'єktami kredituvannya bankіvsky credit podіlyaєtsya on:

a) i serednostrokovy dovgostrokovy?

b) platіzhny, rozrahunkovy?

c) lіzingovy, factoring?

g) in the main kredituvannya kapіtal, a werewolf kapіtal on spozhivchі require?

8. Nazvіt osnovnі Find our Credit vіdnosin, SSMSC vіdrіznyayut їh od іnshih vidіv ekonomіchnih vіdnosin.

9. Yak pogashaєtsya trade credit:

a) deprivation groshima?

b) that the goods groshima?

c) tіlki goods?

10. Yea Shcho ob'єktom kredituvannya?

11. Yea Spozhivchim loan, yaky nadaєtsya:

a) population in viplatu zaborgovanostі for komunalnі Hotel i pridbannya Zhitlo?

b) Trading organіzatsіyam for stvorennya zapasіv spozhivchih tovarіv?

c) Trading organіzatsіyam, SSMSC prodayutsya goods to the population in rozstrochku?

d) population in spozhivchі require?

12. Yaky credit nazivaєtsya Reigning:

a) if the creditor Power Yea i pozichalnikom?

b) if power Je tіlki lender?

c) if power Je tіlki pozichalnikom?

d) if power nadaє credit іnshіy kraїnі? e) if power otrimuє credit od іnshoї Kraina?

13. Yaky credit nazivaєtsya іpotechnim?

14. Yaky credit nazivaєtsya komertsіynim?

15. SSMSC Vidi podіlyaєtsya credit fallow od:

a) ob'єkta kredituvannya?

b) sub'єktіv kredituvannya?

c) zabezpechennya?

g) for strings Povernennya?

16. SSMSC Vidi podіlyaєtsya mіzhnarodny loan lender od fallow?

17. Yea Chi diskusіynim ponyattya schodo kіlkostі funktsіy loan?

18. Nazvіt i skharakterizuyte funktsії loan.

19. Nazvіt fun- kredituvannya that poyasnіt have chomu polyagaє їh zmіst i values.

20. Yaka vіdsotkova rate nazivaєtsya oblіkovoyu?

21. Hto vstanovlyuє rozmіr vіdsotkovoї rate banks:

a) The National Bank of Ukraine?

b) the bank itself?

c) banks domovlyayutsya mіzh him?

g) rinok?

e) asotsіatsіya bankіv?

d) Mіnіsterstvo fіnansіv?

22. SSMSC chinniki obumovlyuyut rozmіr pozichkovogo vіdsotka?

23. Oblіkova vіdsotkova vstanovlyuєtsya rate:

a) The National Bank of Ukraine?

b) Mіnіsterstvom fіnansіv?

c) Kabіnetom Mіnіstrіv Ukraine?

g) asotsіatsієyu bankіv?

e) komertsіynimi banks?

24. Margin - tse:

a) Rate pennies?

b) dohіd, yaky otrimuє Bank od Credit operatsіy?

c) bankіvska operatsіya, pov'yazana s kredituvannyam?

d) the nature of the credit bankіvska Hotel?

e) perevischennya vіdsotkovoї rate for the loan over deposit interest rate?

d) rіznitsya mіzh oblіgatsіynoyu i deposit interest rate?

25. FORMS Nazvіt zabezpechennya Povernennya loan.

26. Yakima guilty Buti zabezpechennya loan?

27. Poyasnіt are ponyattya "Credit rizik".

28. The method Nazvіt Zahist that znizhennya credit riziku.