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Українські рефератиРусские рефератыКниги
НазваBanking services in Russia: theory and fact (реферат)
Автор
РозділІноземна мова, реферати англійською, німецькою
ФорматWord Doc
Тип документуРеферат
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Banking services in Russia: theory and fact.

 

The economic situation in Russia, due to the historic and unprecedented

on-going changes in this country, is one of the most interesting fields

of analysis and research. I have chosen the banking system for the topic

of my essay as it is one of the most important instruments of the

economy. While studying materials on the banking system in Russia I came

across many deviations from the well-established standards of the

banking system in Europe and some facts showing that in real life banks

in Russia does not follow the laws and regulations. In my research I

have tried to answer two questions.

 

Is the banking system in Russia fully developed?

 

Banking services in Russia: theory and fact. Do they differ?

 

In order to answer the first question I compared the European banking

system and the current banking system in Russia as it is regulated by

laws and by governmental acts and decisions.

 

In order to answer the second question I analyzed the information I

received while studying the activity of the ‘’Incombank’’ branch in

Chelyabinsk and while interviewing clients of other banks in Chelyabinsk

in the summer of 1997.

 

Banks are the most important link in the world of money. This is

because, first of all, banks nowadays perform the main part of the work

of transferring money from a customer to a seller, by operating the

system of payments in the economy. Almost everyone in the world uses or

has used banking services. Families keep their savings there, and banks

pay them interest rates on their deposits and give them loans to buy

expensive goods. Companies conduct payments through them. Commercial

organizations, which work at the market and in production, take loans

for their needs and conduct all payments with buyers and sellers

through them. Landowners and owners of real estate take loans from the

banks to buy an estate or to make use of it and pay back loaned money.

 

As we can see, everything in the economy is controlled by money, and

banks are a tool-kit for the economy - controlling the money circulation

between firms, depositors and loaners, and offering services to make

that circulation easier for them. Banking services also have a

productive nature. Even such a simple operation as the admission of

money on deposits from people and companies involves a huge productive

force. A bank does not just collect money - it converts non-working,

unused money resources, to working assets. This is also true of credits

given to companies and firms for the development of their productive and

financial activity. A healthy and stable economy of any country depends

on healthy banking services. Now we will see if the banking system in

Russia and, in particular, in my home city of Chelyabinsk gives any

chances for our economy to develop.

 

All banking services can be divided into specific and nonspecific

services. Specific services include: 1) deposit operations; 2) credit

operations; 3) payment operations.

 

Deposit operations are the operations of placing clients’ money into

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