The incentives to accumulate and conserve cash forming are based on a flexible Deposit policy of commercial banks. Provision of credit in the form of surety or guarantee PR- matrial the right of the Bank (creditor) the unconditional withdrawal of funds in the required size from the accounts of the guarantor or the guarantor, in the case of nepo- of cancellation within the prescribed period by the borrower of the obligations obtained- th loan. In addition to the high interest paid on deposits, creditors Bank necessary guarantees to secure the premises of the accumulated re- of resources in the Bank. Currently the mortgage loan is in mortgage banks. 823; • calculation of economic standards; • act audit.
The Bank may manage the financial financial Affairs and property of companies and individuals for a cost. Along with banks moving money in the markets imple- Directors carries out and other financial institutions: investment funds, insurance companies, stock exchanges, brokerage, dealership and D. The function of property management is known under the name operations of trust management or trust services. In the economic literature there is no uniform classification of loans. A key element of the financial system of any developed state STV today is the Central Bank, official conductor of monetary policy.
International financial con- conference, held in Brussels in 1920, stated: "In countries where there is no Central issuing Bank, create it". Financial and commercial loans are available in the main Mr banks. Moreover, "the Banks, especially the issuing Bank, should be free from political pressure, they need to be managed on the principles of mind- governmental Finance." Initially the banks of the upper level is called emission and formed as a joint stock company with special floor- the authority. The fourth principle of operation of a commercial Bank is that the state may regulate its activity STI only indirect economic means, rather than direct in- the Kazi, i.e. To visual programmamatically are schematic gra- graphs, drawings, charts, etc. 5. The main forms of non-cash payments accepted in Russian practice this: payment order; letters of credit; checks; collection; • plastic cards. Leasing operations. 3. The most independent the Central banks of Germany and Sweden.