Organisation lending bank "VTB 24"

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Description

Organization of lending to commercial banks for example, Closed Joint Stock Company "Bank VTB 24" (thesis, 2008)

Table of contents

Introduction 3
1. Loans and their role in the redistribution of cash 4
1.1. The essence of the loan (the role, functions, principles of credit) 4
1.2. Legislative basis for lending 10
1.3. Lending to individuals in commercial banks 17
1.4. Problems lending 25
2. An analysis of retail lending in Russia for example,
CJSC "Bank VTB 24" 36
2.1. Overview of the Bank 36
2.2. Comparative analysis of retail lending (compared with other banks) 45
3. Improving lending 50
the example of JSC "Bank VTB 24" 50
3.1. Features lending 50
3.2. The order of registration of loans to individuals 55
Conclusion 58
References 60
Appendix 1 64
Appendix 2 68
Appendix 3 71
Appendix 4 75

Additional information

References
1. The Constitution of the Russian Federation (adopted by national referendum 12 December 1993) // the Russian newspaper. December 25, 1993 N 237.
2. Federal Law of April 8, 2008 N 46-FZ "On Amendments to Article 30 of the Federal Law" On Banks and Banking Activity "// the Russian newspaper. April 12, 2008 № 80.
3. Federal Law of July 10, 2002 N 86-FZ "On the Central Bank of the Russian Federation (Bank of Russia)" (as amended on April 26, 2007) // Meeting of the legislation of the Russian Federation of July 15, 2002 N 28 st . 2790
4. Federal Law of December 2, 1990 N 395-I "On Banks and Banking Activity" (as amended on April 8, 2008) // Sheets of Congress of People's Deputies of 6 December 1990, N 27, Art. 357.
5. Federal Law of 25 February 1999 N 40-FZ "On Insolvency (Bankruptcy) of Credit Institutions" (as amended on 1 December 2007). // Meeting of the legislation of the Russian Federation dated March 1, 1999, N 9, Art. 1097.
6. Federal Law of 10 December 2003 N 173-FZ "On Currency Regulation and Currency Control" (as amended on October 30, 2007) // Meeting of the legislation of the Russian Federation of December 15, 2003 N 50 st. 4859.
7. Federal Law of December 30, 2004 N 218-FZ "On Credit Histories" (as amended on July 24, 2007) // Meeting of the legislation of the Russian Federation dated January 3, 2005 N 1 (Part I) Art. 44.
8. Banks are betting on lending to the population // Bulletin financial information. 2007. №2-3.
9. Banking: Textbook / Ed. GG Korobov. - M .: Ekonomist, 2006.
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15. VTB 24 has entered the top ten Russian banks in terms of net assets // http://www.vtb24.ru/news/releases/3516/
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19. A. Evplanov Bankers are concerned about the growth of non-repayment of consumer loans // Russian business newspaper. March 15, 2005 №499.
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25. Kulikov practice of interaction between banks and insurance companies in the consumer lending // Business and banks. 2007. №24.
26. O. Latyshev Borrowed Life // Economy and life. 2006. №30.
27. Matveichuk C. Loans back // Russian business newspaper. October 23, 2007 №626.
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29. AI Olshany Bank lending (Russian and foreign experience). - M., 2005.
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31. Pirkina II Consumer lending in Russia // Finances. 2007. №1.
32. Polishchuk AI Credit system: experience, new developments, forecasts and prospects. - M .: Finance and Statistics, 2005.
33. Razumov IA Consumer lending: a tutorial. - SP

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