artist must be sure that at the end of the consumer does not change his mind and will not give up and you make EXECUTE. For its part, the consumer should be sure to get the ordered goods in the right quantity and quality and on time. Liabilities at default and the bank must pay ments determined lennuyu amount to the injured party. John always about the amount of guarantees author cally decreases as the performance of some stages and Liabilities ments.
. Guaranteed no bill of lading (letter of indemnity) envisaged for provisional mismatch between the transport of goods and supersaturated L Coy accompanying documents. With her?? Help schyu reduced payment for removal of additional storage on premises, payment for idle vehicles, reducing the risk of delivery of defective goods, goods which are not responding to all of the agreed advance Heat demand and tions, etc.
. Warranty incomplete (incorrectly drawn) document ps (guarantee in respect of inconsistent documents). The Bank provides consumer and / or Mfr about DESTINATION means necessary to continue normal activities regardless of the specific situation unfavorable tion us related to improper execution accompanying document and tion.
. Guarantee for Customs authorities (guarantee towards customs authorities) expressed in the obligation to pay all the banks that Maugenet formalities associated with a reall s Coy goods.finally, we can note a few ways to control the level of risk of banks and banking institutions. These can be rel e STI:
* Preliminary assessment of potential losses using forecast tion met on analysis of available rows of static and dynamic reliable information on the activities of the banks themselves, their cus tomers, contractors, their suppliers and entered via e nicknames competition comrade and various contact groups aud and thorium. For this purpose, com mercial banks should create departments dealing with the analysis of the level of risks and develop measures for the control of e NIJ in the marketing system;
* Dynamics of interest rates, which increase with the degree of risk uv e increment a, and vice versa, ie rates freely formation u ayuschimsya tools below rates for instruments with limited reversibility bounded; rates nym versatile operations and operational talkies in the interbank market are usually lower rates and to against nym opera n iyam and credit transactions with customers; than a hundred meters BEATER zae crate, the lower interest rates, long-term change more smoothly (with the account that e temporal smoothing) than short-term, interest rates on loans to ensure e cheniem and briefly urgent opera n iyam lower than the rates on unsecured and short kosrochnym op e talkies;
* Risk diversification, representing his rassredoto chenie. It can manifest in lyatsya in different types :) lending to smaller amounts to a larger amount of clients with a total storage of credit ;) provision of loans konsortsionalnoy basis when to issue a large amount of the loan together several banks forming consortium to n; ) attracting deposits, securities of smaller amounts from the larger chi la with depositors.one way of banking risk management is insurance. Insurance is one way to protect against emerging in the banking business risks. With the help of insurance covered by the two major categories of risk: economic and political.states (mostly western) to promote exports through state insurance agenc...
