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Banking Operations - Moroz AM

4.6. The price of a bank loan

The main type of payment for korostuvannya bankovskim loan is interest . The order with a percentage of the bank can set up a com- mittee , but zasosovuyutsya yak dodatkovy Element tsіni bankіvskogo lending. The com- munication is established, as a rule, in quiet vipadkas, if in the process of a credit institution the bank vikonuet dodotkovu robot, pozyazanu zaklozhnenyam posychki і control, obosglyad zdіysnennyam project, scho credituetsya. Комісія може смечуватися окремо або додаватися до процентов.

Riven percentage rates of deposits in such factors:

- The regional central bank rate;

- рівень інфляції;

- Positions lines;

- the cost of molding resources;

- Rizik;

- rozmіr posychki;

- sip on bankivsky poses;

- Yakist make;

- зміст заходів, що to be credited;

- vitrati for clearance and control;

- rate of the competitor bank;

- the nature of the loan from the bank and the client;

- the norm of the surplus for the most active operations.

Vplyiv cich factoriv on riven percentage of pay for korostuvannya bankovykimi posychkami є vzaimozv'yazanim, it is important to vyznachit kilkisne znachennya kozhnogo z them, alle vrachovuvati їh at sukustnosti dotsilno.

The base interest rate for loans of commercial banks is the regional central bank rate , for the alleged remaining amount of refinancing of commercial banks. The base interest rate may be lowered, lower regional rates. Yakshto komertsiyny bank maee cheap resource (pobivnyano z oblikovoju stanovoyu), vіn maє right vstavlyulyavati percent for its own posychkami lyuchi vіd oblіkoy bet.

Oblіkova rate of the central bank to lie in the nature of the yogo penny-credit policy, interest rates on the international market poschkovkikh kapitalov, the payment balance of the country and the rate of national currency.

Groshovo-credit policy of the central bank can be indirectly allocated to the expo, abo the restrictive loan. Conducting the policy of excellence , the central bank is changing the rate, and with the restriction - pidvishchuy її.

Yakshto on the international market poschkovyh kapitalyv norm of interest zmіnjєєє, then відповідно зміюється й облікова rate of the central bank.

Yaksho in the territory of the warehouse, the passive payment balance and the class do not want to admit the rate of the national currency lower than the pivot, the regional central bank rate is zvichayno pidvishchuetsya for stimuliuvannya zaluchennya inozemnogo kapitalu.

Rіvenь інфляції впливає як on the regional rate of the Central Bank, so і on interest rates for poker commercial banks. Unsuspecting of those, the Central Bank sets a positive interest rate (toto for losses), commercial banks such as health care and inflation factor. Річ у тім, що облікова the rate of the Central Bank does not change often, that in the first half of the year, when the business is active in commercial banking, it is necessary to insist that the inflation is not violated by the regional rate.

The factor terminu credit directly proportional vplyvaє on riven percentage rates for the positives of the bank. Chim trivalіshy term korostuvannya, tim road for a poschalnika є credit. Such a reservoir is caused by a reason. In the first place , with trivalovomu termіnі pozhichki bіlshim є risik vtrat vіd nepovernennya borgu i vіd ztenninennia kostіiv, transferring from the post at zv'yazku zinflyatsієyu, sho neminucha in rinkievy ekonomi. In a different way, the contribution of the koshtov to the pre-degenerated character, as a rule, is to get into trouble visually.

The price of the resources generated by the bank without any means to vplyvaє on riven interest rates for loans. Vona is deposited from the deposit interest and the minimum amount of payment for the purchased credit resources. Chim is more expensive to manage the resource bank, tim, for the least rivnyh minds, the rule rate of the percentage point.

Rizik - is not an attribute of credit. Here vinikayut credit and percentage risky. Rіvenь цих ризиків залить від opinion posychki і vіd order ordering percentage. Naidzikovanimimi є nebebezpecheni (blankovi) posychki. Stupin riszuku zabezpechenichi kreditіv zalezhit vіd povnoti i yavistі zastavi. Chim vishchy stupin credit risk, tim bilsha virogidnist for the bank to be recognized as a cost to a non-trusted pozhchalnikom main borgo i nesplatiti interestyv nyomu. Tom bilsh rizikovany poses vidyayutsya pіd vichny interest, abi kompensuvati creditor vitrati vіd rizikovannogo rozmіschennya koshtіv.

Роzymір poschki vzljatno vplyvaє on riven a percentage rate. Zvichayno її рівень нижчий at більших позичках, оскільки відносні витрати, пов'язані з кредитною послугою, тут нижчі. In addition, great poses nadaтьсяatsya great klієntam, kotry, yak rule, less than shilny to the risk of bankruptcy. Ale from such a rule can be buti and vinyatki. The bank can not zmenshuvati percentage rates for the great loans, if, for yogo rozraunkkami, you can call to pizhdischennya risiku u zv'yazku pogyrshchennyam structure of the portfolio portfolio vasledidok rules of diversification activities.

Popit on the poses directly vplyvaє on riven interest rates. Zorstania popita zumovlyu pidvistchenya percentage rates for pozhichkami. Al in the ranks of the rivalry of the credit institutions and the Borotby for the expanded bank served banks can not zvazhati on the cerinkovo ​​rule. Vony mozhut not підвищувати рівень percentage rates at зростанні попиту on the loan, керючись тим, що нижчі проценні rates for loans дадуть змогу залучити більшу кількість клієнтів і завоювати конкурент на переваги.

Якість make vzljatno vplyvaє on riven a percentage rate for posychkami. Chim vona vishcha, Tim, for the least rivnih minds, vidnosno lower mozhe bouti percentage rate for posychoyu. The purpose of this task is to ensure that the outbreak is replaced by a risk of waste in the time of the primus quenching of the pose for the rajunok її real estate.

On the riven interest rates vplivate zmist zahodiv, scho credit. So, credit, but otoseredkokovtom vitrati, high profitability of some - the result of speculative dey poschalnik, koshtuyut zvichayno dorozheche silent, kotry zabezpechuyut efekt, pozhanyaniya z vibrobitntsvom produktsii, especially sylsky gosdarstva.

Vithrati to decorate the pose and control directly to vplyvayut on the riven poschkovogo percent. Чим ці витрати більші, тим, for іших рівних момов вища the rate of interest for a positional. Іноді витрати, по'яяні з a credit process, do not join the interest rate, but compensate for the wages of the pawnshop of commercial payments.

The rate of the competitor bank shall be vrachovuyutsya vstanovlennyy rivnya poschkovogo percent zalizhno vid character of interest polity, yaku conduct daniy bank. Pragnenia before the doffed pribudku spontaneously in the setting up of the interest percent paid by the younger creditors. Yakshcho spent polity rashyrennya rink credit service, poskkovy percent vstanovlyuetsya on the lower rivnyi, nizh rivalov.

The norm of the surplus for the most active operations to the bank is serviced by one share when the rates of interest are fixed. Yaksho, napriklad, інвестиційні операції zabezpechuyut bank vidnosnovosno wholesome pributok (on oditsnitju poddenogo kapitalu), nizh posichkovi, then the bank neobhidno pereklyanuti its percentage of poliku in bik pidvistchennya pivnya poschkovogo per cent.

With vrahuvanni meanings factor in the track do not forget about the pidsumkovy result, a kind of polygas in that, it is noted in the loan, interest rate moe bouti dzherle otrymanny pributku v pos poschkovyh operatsiy.