nciple is that the relationship between a commercial bank with its clients built as used ychnye market relations. Before with Tavlya loans commercial bank comes before all of the market criteria of profitability, risk and liquidity. Targeting the «nation-wide int e ests» is not compatible with the commercial character of the bank and will inevitably turn to him to a liquidity crisis.fourth principle of the commercial bank is that pe regulation of its activities can be carried out only on indirect ehkon nomic (rather than administrative) methods. The state defines «rights and la games» for commercial banks, but can not give them a straight and Kazov.of the important functions of a commercial bank is to mediate the loan, which they exercise through reallocation of funds temporarily released in the circulation of funds of enterprises and cash income individuals. Feature mediating function comconsole p mercial banks is that the main criterion reallocation of resources stands profitability of their use by the borrower. Redistribution of resources is performed pe horizontal economic relations from a lender to a borrower s, by means of banks without teaching art Ia intermediaries in the face Your e facing banking institutions on the terms of payment and repayment. Fee for t data and obtained loan funds formed under the influence and in the demand and pre d Proposition borrowings. The result is f and the free movement of financial resources in the economy, the corresponding market type of t relations.intermediary functions of commercial banks for the successful development of pa s market economy is that its activities are clever shayut s degree of risk and uncertainty in the economic system. Money can be moved from lenders to borrowers without mediation of banks, but it dramatically increases the risks of losing money, fin and Vai in the loan, and increase the overall cost of their movement, as lenders and borrowers are not aware of the solvency of each other, and Mr. s policies and terms of offers funds do not coincide with the size and timing of demand for them. Commercial banks borrow funds, which can be given as a loan, in accordance with the needs of borrowers and on the basis of w Roca and diversify their assets reduce aggregate risk owners de neg placed into bank accounts.second major function of commercial banks - encouraging however p tions on the farm. Implementation of structural st rearrange themselves th ki economy should be based on the use of mainly and primarily internal and n accumulation economy. They, and not foreign investment should be on with the main part of the funds needed to reform the economy, between those all its previous development is not created from direct manufactures e lei and other subjects of economic life, including population, sufficient incentives to save and accumulate resources. For businesses proportion of distribution received income and accrued consumption at part with tablished policy planning. At low income levels and the towns thereof n propensity to save was on Mr. izkom level and diluted n ing of the consumer market dropped to the lowest level this about t tags.banks, speaking on the financial market with the demand for loans t ITATION resources should not only possible to mobilize available x ture of savings, but also to generate sufficient incentives for efficient accumulation of N and tools based on the limitations of current consumption. Incentives to Mr. and accumula...
