THE CHAPTER 1. ORGANIZATION OF CREDIT MUTUAL RELATION OF BANK WITH BORROWERS AT THE PRESENT STAGE OF ECONOMY OF RK.
1.1 History of the banks credit mutual relation development with borrowers. Credit system, its creation, and development in the Republic of Kazakhstan.
1.2 Subjects of credit mutual relation and objects of bank crediting.
1.3 Risk of crediting of the borrowers and management of credit risk.
1.4 Warranty and guarantee as a way of obligations execution toward the creditor.
THE CHAPTER 2. THE BASIC STAGES OF BANK INTERACTION WITH BORROWERS DURING CREDITING.
2.1 Solvency of the borrower - basis of differential approach to crediting.
2.2 Reliance and timeliness of credit return .
2.3 Procedure both mode of distribution and credits’ repayment.
2.4 Credit contract - basis of credit mutual relation of bank with borrowers.
2.5 Prospect of development of credit operations in banks of the second level.
THE CHAPTER 3. THE ANALYSIS OF CREDIT MUTUAL RELATION CJSC " BANK CENTERCREDIT " WITH BORROWERS.
3.1 Organization of credit mutual relation on an example of the client " Bank CentralCredit “ and the Joint-stock company "Almatygorstroy"
THE LIST OF THE USED LITERATURE
In any state the credit system substantially depends on an economy. Through credit system the state carries out policy of branch and regional development of all economy as a whole.
Financial organisations rendering credit service to the enterprises, organisations, population plays the extremely important role in development of economic structures. Efficiency and uninterrupted operation of the credit -financial mechanism functioning depends on not only duly taking decision by separate economic units, but also economic development level of the country as a whole.
The mechanism of credit system functioning constantly varies under influence of changes its organisational structure, the legal forms, realisation of credit operations, forms of crediting and settlement relations. Therefore now, banks of the second level are subjected to the special requirements on rendering credit-settlement service to clients as per commercial principles that include all kinds of credit, settlement, and financial operations connected to service of economic activity of the clients.
The credit in market economy is necessary, first, as the elastic flow of the capital from one branch to others and alignments of return rate.
The credit is necessary for maintenance of funds turnover, enterprises operating, serving of goods sale. Due to the credit there is faster process of profit capitalisation, and, hence, concentration of manufacture. Without credit support it is impossible to ensure fast and civilised foundation of farms, small business, introduction of other kinds of enterprise activity on internal and external economic space.
In this connection a very essential subject is mutual relation of banks with borrowers. In conditions of the developing market relations the banks have refused an administratively command control system of economy
Now commercial banks show flexibility in mutual relation with the borrowers, functioning on the basis of a business competition, for attraction of the clients, credit resources and sphere of their favourable application, that promotes expansion of bank services and improvement of their quality.
The subject " Economic and legal basis of mutual relation of banks with borrowers " causes interest, because huge work on change of traditions in banking sector will be carried out now. Already many credit businesses have developed all opportunities providing highly skilled service to the clients. In many respects the basis for the planned tendency of economic growth in our Republic is the further development of its financial market.
The results of 2000 and first half-year of 2001 testify the positive changes, which have taken place in economy of Republic, including due to strengthening of communications between banks and real sectors of economy. The essential influence on these processes has rendered active crediting of the enterprises, which is for bank businesses in Republic the most traditional kind of activity. The most essential support was done for such branches of economy as an industry, trade, construction, and small business, credit investments considerably have increased, and the objects of consumer crediting to the population have extended.
The increase of deposit base promoted activation of crediting by banks of real sector, in September of current year the highest gain of the credits is fixed. The more vital sector of our economy, agriculture, has received poorly appreciable credit support. Distribution of the new credits in the large extent constrains unsatisfactory return on the given loans.
The development of economy is not possible without active crediting of real sector, therefore by prime task for regional bodies of authority, there could be a focusing on priorities of credit support as for branches of economy having decisive value for socially economic development of Republic. Therefore the main purpose must be the profound research of mutual relation of banks with borrowers in modern practice of crediting.
During research in work the following tasks will be solved:
- Evolution and economic bases of the credit relations of banks and the clients in conditions of the market;
- Organisation of credit mutual relations of banks with borrowers;
- Analysis of credit mutual relation
The object of research was the credit mutual relation CJSC "bank" with the building company " ".
Methodological basis of work: the legislative documents of the Republic of Kazakhstan, normative documents and practical materials of "bank", educational literature and materials of a mass media.
CREDIT MUTUAL RELATION OF BANK WITH BORROWERS
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- Category: International Relations