Классификация банковских кредитов и методов кредитования
Кредит; классификация; методы кредитования; способы предоставления кредита; способы погашения кредита; нормативная база
The present paper contains an analysis of economical, financial and organizational nature of leasing, factoring and forfeiting. It is demonstrated that all these form of financial entrepreneurship have an outsourcing component. Notion of intermediary financing is proposed. A comparative analysis of these business tools has been made.
The method of microenterprise with the bank's positions. The drawbacks of the traditional approach of microenterprise and the technique of segment of small lending preprinimatelstva in modern conditions as tier economic dynamics
An analysis of economical, financial and organizational nature of leasing, factoring and forfaiting demonstrates that all these forms of financial entrepreneurship have an outsourcing component. Notion of intermediary financing is proposed. A comparative analysis of these business tools has been made. A list of risks typical for providers of these services is given.
Argentina, the second largest country in Latin America, hardly recovered form the recession of the year 2001, faces the crisis again in 2008. First of all, the crisis affected the credit and banking sphere of the country, reducing the volumes of credit and deposit. But during the crisis, Argentina managed to carry out the restructuring of the financial system. The Global financial and economic crisis has shown the importance of the investors' confidence.
The paper examines the structure, governance, and balance sheets of state-controlled banks in Russia, which accounted for over 55 percent of the total assets in the country's banking system in early 2012. The author offers a credible estimate of the size of the country's state banking sector by including banks that are indirectly owned by public organizations. Contrary to some predictions based on the theoretical literature on economic transition, he explains the relatively high profitability and efficiency of Russian state-controlled banks by pointing to their competitive position in such functions as acquisition and disposal of assets on behalf of the government. Also suggested in the paper is a different way of looking at market concentration in Russia (by consolidating the market shares of core state-controlled banks), which produces a picture of a more concentrated market than officially reported. Lastly, one of the author's interesting conclusions is that China provides a better benchmark than the formerly centrally planned economies of Central and Eastern Europe by which to assess the viability of state ownership of banks in Russia and to evaluate the country's banking sector.
The paper examines the principles for the supervision of financial conglomerates proposed by BCBS in the consultative document published in December 2011. Moreover, the article proposes a number of suggestions worked out by the authors within the HSE research team.