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Bankіvskі operatsії - Frost AM

2. FORMUVANNYA RESURSІV KOMERTSІYNOGO BANK

2.1. ZAGALNA CHARACTERISTICS BANKІVSKIH RESURSІV

For zdіysnennya komertsіynoї i gospodarskoї dіyalnostі banks povinnі mother in svoєmu rozporyadzhennі Pevnyi bag of penny koshtіv, tobto resursіv.

Komertsіynogo resource bank - tse sukupnіst penny koshtіv, scho in yogo perebuvayut rozporyadzhennі i vikoristovuyutsya for vikonannya Activity operatsіy. Operatsії, s yakih Relief komertsіynі banks formuyut svoї resources nazivayutsya Passive.

Zgіdno s іsnuyuchimi in bankіvskіy praktitsі traditsіyami resources komertsіynih bankіv podіlyayut on vlasnі, zaluchenі that pozichenі Costa.

Structure resursіv komertsіynih bankіv Ukraine pitched in 1.01.01 harakterizuєtsya such danimi (Table 2.1.).

table 2.1

Yak can be seen s Table. 2.1 HEAD Jerel bankіvskih resursіv Je zaluchenі th pozichenі Costa, chastka yakih becoming 76.3% od zagalnoї sumi resursіv. On Vlasnyi kapіtal pripadaє 23.7% usіh bankіvskih resursіv. HEAD warehouses Vlasnyi kapіtalu Je fondue pot, Sereda yakih provіdnim Je statutory fund. Yakscho OAO All Fondi formuyut 43% Vlasnyi kapіtalu bankіv, the statutory fund dorіvnyuє 57.0% od zagalnoї sumi kapіtalu.

Sered zaluchenih i pozichenih resursіv perevazhayut zapitannya deposits (61.1%). On strokovі deposits pripadaє blizko 40% zovnіshnіh for bankіv resursіv.

In skladі depozitіv pomіtna chastka vkladіv population (24.2%). Mensch Je chastka koshtіv, SSMSC komertsіynі banks pozichayut mіzhbankіvskomu on market analysis (8.0%).

Oskіlki danі, navedenі in tablitsі, harakterizuyut structure bankіvskih resursіv for pitched on the cob rock, the Sered Vlasnyi resursіv Absent such pokaznika, yak Prybutok stream rock. Vіn z'yavlyaєtsya in bankіv protyagom gospodarskogo rock. Osoblivіstyu structuring bankіvskih resursіv on vnutrіshnorіchnі dati Je Visoka Pete Wagga mіzhbankіvskih kreditіv i kreditіv Natsіonalnogo bank SSMSC nadayutsya for Refinancing Loans okremih vidіv Activity operatsіy komertsіynih bankіv (napriklad, operatsіy Paper the tsіnnimi s).

One іz resursіv bankіvskoї Sistemi Je groshі in obіgu, ale Tsei resource is not nalezhit komertsіynim banks. Emіsіya pennies zdіysnyuєtsya Natsіonalnim Bank of Ukraine, that i won vikoristovuєtsya yak resource for zdіysnennya yogo Activity operatsіy. Odnієyu s them Je kredituvannya komertsіynih bankіv. Pokey scho NBU obmezheno kredituє komertsіynі banks. For the balance of the NBU on the cob 2001 p. komertsіynim credit banks that іnshim pozichalnikam becomes 679.6 million UAH, abo 5.45% od sumi gotіvkovih koshtіv scho vipuschenі in obіg NBU todі yak Uryadov stanovlyat loans 10 651 800 000 UAH, abo 85.5% od vipuschenoї in obіg gotіvki.

Not nabuv slit Svoge kolishnogo values ​​Taqiy view bankіvskih resursіv, yak deposits from the public. In Costa CPCP population becomes Ponad 90% zagalnih resursіv bankіvskoї system. Taku priblizno role vіdіgrayut i stink at іnshih provіdnih kraїnah svitu, and Ukraїnі stanovlyat deprivation Troch bіlshe 24%. Potentsіynі mozhlivostі for pіdvischennya rolі zaoschadzhen population in bankіvskih operatsіyah іsnuyut, ale їh realіzatsіya deposits od podolannya such negative yavischa, yak nedovіra Pevnyi prosharku gromadyan Ukraine before bankіv in zv'yazku s vіdsutnіstyu nalezhnogo mehanіzmu garantuvannya vkladіv i depozitіv.