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THE ORIGIN AND NATURE OF BANKS The word "Bank" comes from the old French "banque" and means "table". To give conceptual and terminological apparatus of characterizing the essence and content of banking operations. Financial loan is a direct issuance of the Bank's money to the borrower. Credit is a form of cash capital creditor. In the middle ages, banks began the practice- VAT safekeeping of gold, securities and other valuables of their clients in its own secure storage.

When training is of great importance is the use of different peda- logicheskih of programmeusualiy and new learning technologies, such measures interactive learning. The Bank estimates the amount received by the borrower profits from the point of view- ment opportunities the payment of Bank interest in the implementation normal financial activity; • "purpose" of use of credit resources; • the amount of the loan. Today in banks safe the storage of valuables departments hire safes, where under Zam- com are client value while the latter does not need to- access to their property. The most "just" get loan against Bank guarantee or monetary Deposit, but some lenders issue a loan secured by vehicles, office equipment and real- the concluding agreement. International financial con- conference, held in Brussels in 1920, stated: "In countries where there is no Central issuing Bank, create it".

Call the loan is repaid by the borrower usually a warning for 2-7 days. This: • issuing Bank, which is fixed for monopoly money issue; • the Bank of government: budget execution and control of the state governmental debt; • the Bank of banks: clearing centre, the lender of last resort; • conductor of monetary and foreign exchange policy; • the Supervisory authority for banks and financial markets. Liability insurance for the borrower's outstanding loan JW- is currently quite common by the form of the insurance tion, although it increases the cost of the borrower on the loan due to the Stra- dashed premiums (insurance fees). The decay of the feudal system, the development of cities, trade and reme- villages resulted in an increase of commodity-money transactions and generated Valo the need for intermediaries who can minimize the risks operations with money. Credit is a form of cash capital creditor. Personalized programmedical develop creative thinking and memory in a particular student. The Bank estimates the amount received by the borrower profits from the point of view- ment opportunities the payment of Bank interest in the implementation normal financial activity; • "purpose" of use of credit resources; • the amount of the loan. In this case, after the mortgage-credit relations of the seller immediately receives the money from the Bank, the buyer when- acquires all rights of the owner of the object of purchase that cast Menno mortgaged in the Bank. Medieval money-changing offices were predecessors ban cov, and the money changers — the predecessors of bankers; they took the cash nye deposits with the merchant for storage and specialized in money exchange different cities and countries. They provided loans to local merchants, Ko which was sold to Bank the debt obligations of its customers the purpose of the fastest Fund-raising.