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Bankіvskі operatsії - Frost AM

9. NETRADITSІYNІ BANKІVSKІ OPERATSІЇ TA Hotel

9.1. Zagalna characteristic that Vidi netraditsіynih bankіvskih operatsіy that poslug

Konkurentsіya mіzh banks that nebankіvskimi fіnansovo and credit to establish and takozh vseredinі samoї bankіvskoї Sistemi spriyaє podalshіy unіversalіzatsії bankіvskoї right, rozvitku that rozshirennyu Cola operatsіy that poslug scho Mauger їh vikonuvati Suchasnyj unіversalny Bank. Krіm traditsіynih, the base for komertsіynih bankіv Ukraine operatsіy, stink vikonuyut novі not traditsіynі operatsії for them is the Hotel. Before Perche nalezhat operatsії i Hotel, pov'yazanі s formuvannyam bankіvskih resursіv, їh rozmіschennyam in assets that zdіysnennyam rozrahunkіv mіzh klієntami.

Viniknennya that away rozvitok netraditsіynih bankіvskih operatsіy that poslug zumovlenі bagatma reasons. Zokrema, tse:

• znizhennya rіvnya dohіdnostі traditsіynih bankіvskih operatsіy that poslug;
• zagostrennya konkurentsії mіzh bankіvskimi that nebankіvskimi fіnansovo and credit to establish and takozh mіzh themselves komertsіynimi banks. Konkurentsіya vplinula on zaluchennya bankіv to Pevnyi vidіv dіyalnostі, SSMSC mozhut zdіysnyuvati takozh nebankіvskі fіnansovo kreditnі-install;
• neobhіdnіst pіdvischennya of Quality obslugovuvannya svoїh klієntіv. Tse viyavlyaєtsya, zokrema, in fact, scho vіdbuvaєtsya zakrіplennya for cutaneous solіdnim klієntom okremogo manager Cauterets nadaє Yomou whole complex poslug that zdіysnyuє neobhіdnі operatsії;
• diversifіkatsіya bankіvskih dohodіv, zokrema Shlyakhov zbіlshennya them chastki noninterest dohodіv, vklyuchayuchi komіsіynі income;
• neobhіdnіst pіdvischennya lіkvіdnostі that platospromozhnostі komertsіynogo bank;
• neobhіdnіst zmenshennya rizikіv, pov'yazanih Zi zdіysnennyam traditsіynih operatsіy i nadannyam traditsіynih poslug;
• zaluchennya novih klієntіv s metoyu rozshirennya that vdoskonalennya structuring resursnoї bazi komertsіynogo bank.

Prior to netraditsіynih bankіv Ukraine operatsіy that poslug possible, zokrema, vіdnesti: lіzing; factoring; dovіrchі (trastovі) Therefore the servants; operatsії s dorogotsіnnimi metals; garantіynі, rednitskі The settlement, konsultatsіynі that іnformatsіynі Hotel; fіnansovy іnzhinіring.

In svoїy dіyalnostі komertsіynі banks are bіlshe uwagi pridіlyayut nadannyu klієntam poslug. Zauvazhimo, scho in ekonomіchnіy lіteraturі rozrіznyayut ponyattya "bankіvskі operatsії" that "bankіvskі Hotel." Not vdayuchis to analіzu vsіh poglyadіv zmіstu schodo Tsikh understand zaznachimo scho mіzh them іsnuyut suttєvі vіdmіnnostі, Hoca on praktitsі bankіvskі operatsії that bankіvskі Hotel zovnіshno rozrіzniti duzhe vazhko. Peredusіm tse pov'yazano s tim, scho okremі bankіvskі operatsії that vzaєmozv'yazanі Hotel, nadayutsya klієntam odnochasno in one "paketі". Nagolosimo scho bankіvskim Hotel pritamannі takі acquaint themselves:

• for nadannya bankіvskih poslug banks not potrіbnі dodatkovі resources;
• Income od nadannya poslug banks have oderzhuyut viglyadі komіsії. Komіsіynі Income obchislyuyutsya banks proportsіyno sumі asset zobov'yazannya Chi Square od hour abo Je zavchasno fіksovanimi;
• when nadannі poslug dіyalnіst bankіv spryamovana on vchinennya Yurydychna i factuality Act reasonably, SSMSC bezposeredno not porodzhuyut abo zovsіm not povinnі zavershuvatisya materіalnimi naslіdkami in traditsіynomu rozumіnnі.

Banks nadayut klієntam rіznomanіtnі Hotel. For z'yasuvannya їh sutі slіd rozglyanuti kriterії for yakimi mozhna klasifіkuvati bankіvskі Hotel. So, fallow od sub'єktіv - oderzhuvachіv bankіvskih poslug rozrіznyayut Hotel, SSMSC nadayutsya Yurydychna that fіzichnim individuals.

W glancing zv'yazku bankіvskih poslug s Rukh materіalnogo product rozrіznyayut Hotel, pov'yazanі s Rukh materіalnogo product that "chistі" Hotel, tobto Hotel, bezposeredno not pov'yazanі s Rukh materіalnogo product.

Fallow od oblіku poslug in balansі bank їh podіlyayut on:

• Hotel scho oblіkovuyutsya the carrying rahunkah. Tsі Hotel, in its Cherga, shaping can Buti Activity is the Passive;
• Hotel scho oblіkovuyutsya on pozabalansovih rahunkah.

For kriterієm styagnennya banks pay for nadannya poslug rozrіznyayut platnі that bezoplatnі Hotel. Nayavnіst ostannіh pov'yazana s tim, scho in okremih vipadkah komertsіynі banks samі zaіnteresovanі in nadannі klієntam bezoplatnoy poslug. Tse daє їm zmogu, zokrema, zaluchati novih klієntіv, zbіlshuvati bankіvskі resources rozshiryuvati assortment sumіzhnih poslug that operatsіy, pіdvischuvati rіven obslugovuvannya klієntіv.

Zdіysnyuyuchi netraditsіynі bankіvskі operatsії that nadayuchi Hotel, slіd Especially uwagi zvertati on їh legal registration. Nayposhirenіshoyu pіdstavoyu viniknennya zobov'yazan Je dogovіr. For acquaint themselves, SSMSC harakterizuyut yuridichnі naslіdki ukladennya okremih dogovorіv can viokremiti takі groupies tsivіlno legal dogovorіv, yakimi oformlyayutsya netraditsіynі bankіvskі operatsії she Services:

• Treaty about the sent messages from the Lane vlasnіst, Povny gospodarske vіdannya abo operational upravlіnnya (contract kupіvlі-sale іnozemnoї currency, aktsіy; bіrzhovі that pozabіrzhovі toscho lands);
• Treaty about the sent messages from the Lane timchasove koristuvannya (dogovіr Orenda, dogovіr lіzingu toscho);
• ABM Treaty nadannya poslug (dogovіr doruchennya, dogovіr komіsії, credit dogovіr, dogovіr skhovu, dogovіr about poserednitskі Hotel toscho).

W glancing zmіstu that sub'єktnogo warehouse zobov'yazannya about nadannya Bank poslug podіlyayut on:

• Hotel Yurydychna nature, scho oformlyayutsya, zokrema, contract doruchennya i komіsії contract;
• Hotel factual nature, scho oformlyayutsya, zokrema, skhovu contract;
• Hotel in yakih poєdnuyutsya yuridichnі that faktichnі dії (dogovіr on іnkasatsіyu gotіvki toscho).

In Ukraїnі-valued chastka netraditsіynih operatsіy that poslug not Nabeul wide zastosuvannya in praktichnіy dіyalnostі komertsіynih bankіv. Peredusіm tse pov'yazano s Povny vіdsutnіstyu chi nedoskonalіstyu іsnuyuchoї zakonodavchoї bazi, yak regulyuє zdіysnennya such operatsіy abo nadannya poslug and takozh іz Suchasnyj Economy Kraina camp.