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Abstract

Content

Introduction

Bank – providing access to funds and individuals, providing funds on their own behalf and at their own expense on terms of return, payment, urgency, opening and maintaining bank accounts of individuals and legal entities. individuals.

With the help of bank savings, temporarily unused free cash, its redistribution, metabolism, use of energy of the environment of common shared resources. However, if the management of money and credit is based on clear rules, their violation may become a brake on economic growth and prosperity of the economy.

1. Theme urgency

Improving, further developing and improving the efficiency of deposit and credit operations of a commercial bank depends not only on the activity, professionalism and flexibility of commercial banks themselves, but also on the state of affairs in politics and the economy, on the early stabilization of the whole situation in the country, overcoming the decline in production and investment, reducing inflation and non-payment. Therefore, this topic is relevant for consideration today.

2. Goal and tasks of the research

The purpose of the study is a mechanism for conducting credit and deposit operations of a commercial bank and their impact on its financial condition.

To achieve this goal it is necessary to solve the following tasks:

1) define the concept of deposit-credit operations of a commercial bank.

2) to consider the theoretical aspects of the deposit-credit operations of a commercial bank.

3) to conduct a study of scientific papers and journalistic articles in the field of deposit-credit operations of a commercial bank.

4) to assess the financial condition and deposit and credit operations of a Russian commercial bank.

5) to develop measures to improve the areas of attracting and using the resources of a commercial bank, including the central district hospital of the DPR.

Subject – theoretical and practical aspects of credit and deposit operations and the financial condition of commercial banks. The scientific results of the research are to determine the essence of the credit and deposit operations of a commercial bank, study the mechanism of their conduct, as well as determine the role of the central republican bank of the Donetsk People's Republic in the economy and develop measures to attract and use financial resources.

The results obtained in the course of the study can be applied in the course of the activities of any commercial bank operating in market conditions.

3. The process of formation and use of resources of a commercial bank

Banks to carry out their commercial activities must have a certain amount of money. The specificity of the activities of banks lies in the fact that, on the one hand, they attract temporarily free money from various sources, and on the other – place them, meeting the needs of enterprises, organizations, people who need additional resources on conditions of repayment and payment. [1]

Sources of banking resources are formed as a result of passive operations by banks. Figure 1 shows the operations for the formation and use of resources of a commercial bank.

Operations Bank for the formation and use of resources

Figure 1 – Operations of the OMB in the formation and use of resources
(animation: 5 frames, 25 kilobytes)

When a commercial bank performs certain passive operations, it forms various types of resources: its own and those attracted. The most important task when banks use their own and attracted resources is to simultaneously ensure maximum profitability of bank assets and an acceptable level of liquidity.

Conclusion

With the help of banks, there should be an accumulation of temporarily unused free funds, their redistribution in the interests of the common good. Money and credit as factors in the growth of social wealth can make nations richer, but only if management of money and credit is based on clear rules, their violation can become a brake on economic growth and economic prosperity. Further development, improvement and improvement of the efficiency of deposit and credit operations of a commercial bank depends not only on the activity, professionalism and flexibility of commercial banks themselves, but also on the state of affairs in politics and the economy, on the early stabilization of the whole situation in the country, overcoming the decline in production and investment, reduce inflation and non-payment.

This master's work is not completed yet. Final completion: June 2019. The full text of the work and materials on the topic can be obtained from the author or his head after this date.

References

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