tion and preservation of cash generated through flexible policy zitnoy Dept. of commercial banks. In addition to high interest is paid on deposits e Mykh, bank creditors requires high reliability guarantees premises accumulated resources in the bank. Safeguards will create forms and counted with the Russian Federation bank insurance fund assets uchre deny Well, deposits in commercial framework of ba n. Order to protect the savings of the citizens of the Russian Federation and to increase their confidence in the b ankovskim institutions of the country in accordance with the Uk and by Presidential Russian Federation № 409 of March 28, 1993 in the Russian Federation has created tons of smiling Federal Insurance Fund assets of banking institutions formed by attracting deposits of citizens. Based on the decision of the Board of Directors of the Central Bank of 22-23 September 1993 (protocol number 40) to the fund as a fear of O contributions transferred funds of commercial banks listed them in 1991-1993. in the deposit insurance fund in commercial banks.with the deposit insurance important for investors is the availability of information on the activities of commercial banks and on those guarantees that they can give. In deciding whether to use available funds from a lender, it must have sufficient information about the financial condition of the bank yanii to himself assess the risk of future invest e s.virtue of underdevelopment in our country securities market deposits in banks during the transition period will be the predominant form mobilizes tion and financial resources for the implementation of economic reforms. Remark cottage banks - to create such forms fundraising that really zai n teresovyvali to clients in the accumulation of resources and they have formed the habit of saving, which determines the investment opportunities of the economy, develop and veloping under the laws of the market.third function of banks - intermediation in payments between separate independent entities - the transition to a market Prio used new PETA with about content. Under state th monopoly on the whole people own district completely all transactions between entities of the property held by units and us st State Bank. Accordingly, the form of payment, payment procedure, sanctions sides were calculated absolute concentration of all the calculations in one bank and adaptation to it. Guarantor and committing pl tezhey such a system was the state calculations. It assumes all risks, which, however, were very minor s E. Establishment of independent commercial banks led to the dispersal of settlements and improve in this regard risks that must be assumed by commercial banks. Forms of payment, and payment documents have not changed. They are still focused on the settlement operations between profiles and Lamy one bank, and payment documents in the form are in vnutribanko cal documents. But the dismantling of settlements with using accounts MFIs and the transition to settlements between banks through correspondent accounts types s shayut their risks, since the calculations are not held between the branches of a bank, and between independent commercial banks. Under these conditions is particularly important responsibility of banks for timely and full implementation of orders of their clients to commit a tezhey Sq.all countries with a market called internal economies commercial banks occupy e duschee place in the payment mechanism of the economy. ...
