Дипломна робота - Банківська сиcтема
74

=040=8E :@548BV2.# 72O7:C 7 B8<, I> 2 AVG=V 1998 @>:C =AB@C:FVO !10 @> 28:>=0==O :><5@FV9=8<8 10=:0<8 5:>=><VG=8E =>@<0B82V2 7<V=8;0AL 2=0A;V4>: 7<V= C 1CE30;B5@AL:><C >1;V:C, 7<V=8;8AL 45O:V ?@8=F8?8 AB>A>2=> =>@<0B82V2. 0?@8:;04, 265 =5<0T ?>4V;C =0 5:>=><VG=V =>@<0B828 V >FV=>G=V ?>:07=8:8, 0 T ;8H5 =>@<0B828, 7<V=5=V 45O:V ?>7=0G5==O V :@8B5@VW./ ?@>E>48;0 ?5@5448?;><=C ?@0:B8:C C 2V44V;5==V»!>=OG=5» #:@A>F10=:C, 45 @>7@0E>2CNBLAO =5 2AV ?>:07=8:8, ?5@5410G5=V =AB@C:FVTN !10. &5 ?>2O70=> 7 B8<, I> 2V44V;5==O =5 <0T AB0BCAC N@848G=>W >A>18, B><C 2V4?>2V4=> =5 <>65 4VOB8 2V4 A2>3> V<5=V. 0?@8:;04, 2V44V;5==O =5 @>7@0E>2CT =>@<0B82V2 @>7<V@C AB0BCB=>3> D>=4C, 1> =5 <0T 9>3>. )>4> =>@<0B82V2 @878:C, B> >FV=NTBLAO BV;L:8 4>B@8<0==O @878:C =0 >4=>3> ?>78G0;L=8:0 (=5 >25% 2;0A=8E :>HBV2 10=:C). # 3@C4=V F59 =>@<0B82 1C;> 4>B@8<0=> 157 6>4=>3> ?>@CH5==O.5 @>7@0E>2CNBLAO =>@<0B828 V=25ABC20==O, @5DV=0=AC20==O, <0:A8<0;L=>3> @>7<V@C =040=8E <V610=:V2AL:8E ?>78: B>I>.0 =>2>N @540:FVTN =AB@C:FVW !10 A5@54 =>@<0B82V2 ;V:2V4=>ABV =5 @>7@0E>2CTBLAO =>@<0B82 @5AC@A=>W ;V:2V4=>ABV (70157?5G5==O @5AC@A0<8 10=:C 9>3> 0:B82=8E 2:;045=L) G5@57 B5, I> 4;O FL>3> 28:>@8AB>2CTBLAO =>@<0B82 7030;L=>W ;V:2V4=>ABV (A?V22V4=>H5==O 7030;L=8E 0:B82V2 4> 7030;L=8E 7>1>2O70=L 10=:C).!5@54 =>@<0B82V2 ;V:2V4=>ABV @>7@0E>2CNBLAO B0:V:=>@<0B82 <8BBT2>W ;V:2V4=>ABV;=>@<0B82 7030;L=>W ;V:2V4=>ABV;=>@<0B82 A?V22V4=>H5==O 28A>:>;V:2V4=8E 0:B82V2 (0) 4> @>1>G8E 0:B82V2 ( 0).8BBT20 ;V:2V4=VABL A83=0;V7CT ?@> 740B=VABL CAB0=>28 10=:C ?>:@8B8 :>HB0<8 2 :0AV B0 =0 :>@@0EC=:C G0AB8=C 70;CG5=8E :>HBV2 2 =0FV>=0;L=V9 20;NBV. >@<0B82 <8BBT2>W ;V:2V4=>ABV @>7@0E>2CTBLAO O: A?V22V4=>H5==O AC<8 :>HBV2 =0 :>@@0EC=:C (:@) B0 2 :0AV () 4> @>7@0EC=:>28E ( ?) V ?>B>G=8E (@) 7>1>2O70=L: 6 = ( :@+ ) / ( ?+@ ) *100%>@<0B82=5 7=0G5==O <0T 1CB8 =5 <5=H5 20%.# «!>=OG=><C» F59 =>@<0B82 1C2 4>B@8<0=89 C 3@C4=V 1997 @>:C V AVG=V 1998 @>:C 157 ?>@CH5=L, 0 C ;NB><C 1C;> 5 ?>@CH5=L (=57=0G=V 2V4E8;5==O). %>G0 A5@54=L>72065=0 C ;NB><C ?@>B8 3@C4=O 7<5=H8;0AL (26.88% ?@>B8 36.79%), ?@>B5 F5 =5 ?5@5B=C;> <56V 20% [482. >40B:8 6-9). 030;L=0 ;V:2V4=VABL E0@0:B5@87CTBLAO 2V4=>H5==O< 7>1>2O70=L 10=:C =570;56=> 2V4 AB@>:C WE 28:>=0==O 4> 0:B82"$0ЦикьЉ– АА„Rdh]„RЖЛ¬ АА„ыdh]„ы$dha$$dha$Xќўќююикошъ $^ВДфцњћкмD"F",,ў,¤,¦,¬,0-2-‚.„.р2ф2,355>6@6v6цйЮРГйГ№®№Ў№Ў№›№Ћ№Ћ№Ў№Ў№ЎЃ№Гti®№Ў№®Р№Ў№Ў№h,4р5ЃCJ mH"sH"h,4р5Ѓ6ЃCJ mH"sH"h,4р5Ѓ6ЃCJ$mH"sH"h$h,4рCJmH"sH"h,4рCJh$h,4рCJmHsHh,4р5ЃCJmH"sH"h,4рCJmH"sH"h,4р5Ѓ6ЃCJmH"sH"h,4р5Ѓ6Ѓ>*CJmH"sH"h,4р5ЃCJ,mH"sH"h,4р5Ѓ6ЃCJmHsHh,4рCJ$mH"sH")ъ4Ъёш.$’'ў),,¤,¦,2-ф2t67Љ7т7n89z9:д:P;L?уллллллууужЮуллУУУУУУУУл$&Fdha$$dha$dh$dha$$„Рdh`„Рa$v6®677р7т7l8n899x9z9::в:д:N;P;R;Ћ;L?€?EE JTJёSєSц^ъ^љ_њ_L`N`a a"a<cHcRhThжmиmttєwјw¦xЁx$y&yЖyИy– aшaЦb<cJdeцeВfДfЖfњgdhІhri"jВj.k@kNkррррллрллллглллллллллллллл$dha$$a$$&F„Рdh`„Рa$NkPkRkTkєpw |Ь~<ѓ$„”…ъЉXЌЊЌёЋpЏмЏР‘RњЊќ ^ўчччлЬЬССЬЬЬЬЖЖЖЖССч»»$&Fdha$$&Fdha$$&Fdha$$&F„Рdh`„Рa$$„Рdh`„Рa$$dha$fђhђ(—*—*ћ,ћџџиџмџ  t x ј ѕ Љ¤Ґ¶®ё®‚І„І0¶†¶ђ¶’¶B·D·€·Љ·в·д·ьёюёx№z№*є,є‚є„єжєиєp»r»т»jј€јЉјДјЖјкј$Й&Й,МdМуйуйуйуйуйЯйТйуйЗйуйуйє¬єЎ—ЎйЎйЎйЎйЎйЎйЎйЎйЎйЎйЎйЎйТйЌh,4рCJmH"sH"h,4рCJ$mH"sH"h,4р6ЃCJmH"sH"h,4р5Ѓ6Ѓ>*CJ$mH"sH"h,4р5Ѓ6ЃCJ$mH"sH"h,4р5ЃCJmH"sH"h$h,4рCJmHsHh,4рCJmHsHh,4рCJmH"sH"h$h,4рCJmH"sH"6^ў(¤€¤Љ¤ҐҐФҐШ¦ §f©’Є.¶0¶’¶ґ¶Ю¶·фмзЧзмИИµў“мЋЋЋЋ$a$$&F„’ыdh`„’ыa$$&F„S„‘ыdh^„S`„‘ыa$$&F„S„цяdh^„S`„цяa$$&F„лdh^„лa$&F„„dh^„`„dh$dha$$&Fdha$·D·Љ·д·,ёVёєёюёz№,є„єиєr»Ж»т»jјЉјЖјкјЅёѕ’ДЕъооооооооооооооооооЯЯМ$&F„„еюdh^„`„еюa$$&F„Рdh`„Рa$$&F„’ы`„’ыa$$a$ЕfЕ†ЕФЕъЕ6ЖђЖ ЖЖИвЛдЛжЛиЛ*М,МHМfМ°МмЭЭЭЭЭЭКККВВВВ№№№$$Ifa$$dha$$&F„„©dh^„`„©a$$&F„лdh^„лa$$&F„„Рdh^„`„Рa$dМfМ®М°МІМBНDНdОfОоОрОРРМРРРjѐѤѦѪѲѶСКСМСРСкСоСТТТТ ТZбPмTмФцЮцвц8ч:чFчHчPчTчћщЄщжьиь@юBюѕяАяlnpr‚„VXZdf&*2ьтмьтьтьтьтьтьвЬвТЕТЕвТЕТЕвТЕТЕвЕвёвТёвёТёвЬвТвЕвЕвёвТвЕвЕвТвёвЕТвТвТЕТЕh$h,4рCJmHsHh$h,4рCJmH"sH"h,4рCJmHsHh,4рCJh,4рCJmH"sH"h,4рCJh,4рCJmH"sH"h,4рH°МІМРМТМФМжМиМкМмМННННН|ssssssssssss$$Ifa$‚kd$$If–lЦЦF”я«ВЩ#tЦ0цЦяяяЦяяяЦяяяЦяяя4ЦlaцНННН Н"НDНjНВНfОрОтОПTПVПЂПР$Р&Р(РJРLРNРPРОРцццццццйййцццццццццццццц$&F$Ifa$$$Ifa$ОРРРТРФРЦРТУѕЧ|lYQE:$&Fdha$$„Рdh`„Рa$$dha$$&F„„©dh^„`„©a$$„„©dh^„`„©a$‚kd’$$If–lЦЦF”я«ВЩ#tЦ0цЦяяяЦяяяЦяяяЦяяя4ЦlaцѕЧ.ЬжЭ и†кЊн>омо€уzхЦчкчмЭОГ°°ЎЉГГp$&Fdha$$&F„;эdh`„;эa$$&F„яя„„7dh]„яя^„`„7a$$&F„8dh^„8a$$&F„Е„;эdh^„Е`„;эa$$&Fdha$$&F„Рdh`„Рa$$&F„Еdh`„Еa$$&F„„Рdh^„`„Рa$кчш>ш†шЦшщШывь<юєяl~А€*ђ>>¶ZЂ¤.К"фффффйЪййййййЪЪЪЪЪЪЪЪфффЪ$&F„Рdh`„Рa$$&Fdha$$&Fdha$26HLVZdhz~„jlфц>bО"Р"%%*(,(8*>*j*l*,,,„-Љ-&1,1.1nCpCТDЬDюDEDEFE–EўEЦEЪEFF`FbFpFњFцйцйцйцйцйЯТЯйЯТЯйЯйЯТЯцЯТЯцТЯцЯцйЯцЯЗј¶ЁўЁ¶—‘—‘—З¶‡h,4рCJ(mH"sH"h,4рCJ$h,4р5ЃCJ$mH"sH"h,4рCJ,h,4р5Ѓ6Ѓ>*CJ,mH"sH"h,4рCJh,4р5ЃCJ4mH"sH"h,4р5ЃCJmH"sH"h$h,4рCJmHsHh,4рCJmH"sH"h$h,4рCJmH"sH"h,4рCJmHsH4К")v,т,r-М3Є678$<@r@Є@AJA”AvBѕB^CVDррррдрХХЖЖ········Ж$&F„ьdh^„ьa$$&F„бdh`„бa$$&F„Гdh^„Гa$$„Рdh`„Рa$$&F„Рdh`„Рa$VDXDZD^D`DbDdDfDhDjDlDnDpDrDtDvDxDzD|DмЩЖ·¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤$&F„„©dh^„`„©a$$&F„dh`„a$$&F„б„ьdh^„б`„ьa$$&F„Е„;эdh^„Е`„;эa$$&F„rя„;эdh^„rя`„;эa$|D~DЂD‚D„D†D€DІDґDEEEEFE =570;56=> 2V4 AB@>:C WE =04E>465==O. >7@0E>2CTBLAO F59 =>@<0B82 O: A?V22V4=>H5==O 7030;L=8E 0:B82V2 () 4> 7030;L=8E 7>1>2O70=L 10=:C () : 7 = / * 100%=0G5==O FL>3> =>@<0B82C <0T 1CB8 =5 <5=H5 100%.# «!>=OG=><C» C 3@C4=V 1997 @. F59 ?>:07=8: =5 1C2 28:>=0=89, O: V C ;NB><C, A5@54=L>72065=0 C FV <VAOFV 4>AO3;0 ;8H5 97%, E>G0 C AVG=V F59 ?>:07=8: =01030B> ?5@528IC202 @V25=L 100% [ 482. >40B:8 6-9].>@<0B82 A?V22V4=>H5==O 28A>:>;V:2V4=8E 0:B82V2 (0) 4> @>1>G8E 0:B82V2 ( 0) 10=:C (8) E0@0:B5@87CT ?8B><C 203C 28A>:>;V:2V4=8E 0:B82V2 (0) C @>1>G8E 0:B820E ( 0) V @>7@0E>2CTBLAO 70 D>@<C;>N: 8 = 0 / 0 * 100%>@<0B82=5 7=0G5==O ?>:07=8:0 8 <0T 1CB8 =5 <5=H5 20%.# «!>=OG=><C» 2 3@C4=V 1997 @. F59 =>@<0B82 =5 28:>=C202AO 6>4=>3> 4=O, 1V;LH5 B>3>, A5@54=L>72065=0 1C;0 9.33%. # AVG=V 265 =0<VB8;8AL ?>78B82=V 7@CH5==O, 1C;8 7=0G5==O 8 V =0 @V2=V 19%. # ;NB><C 6 1C;> ;8H5 11 ?>@CH5=L, A5@54=L>72065=0 AB0=>28;0 265 19.95%, I> A2V4G8BL ?@> 5D5:B82=VABL @>1>B8 10=:C 2 FL><C =0?@O<:C [482. >40B:8 6-9].A:V;L:8 T ?>@CH5==O =>@<0B82C 7030;L=>W ;V:2V4=>ABV, B> F5 A2V4G8BL, I> 2 4VO;L=>ABV 10=:C T <><5=B8, :>;8 9><C =54>AB0B=L> :>HBV2, I>1 ?>:@8B8 A2>W 7>1>2O70==O. 28G09=>, B0:0 A8BC0FVO =5 T AB01V;L=>N, T V ?V428I5==O 100%-3> @V2=O FL>3> =>@<0B82C.0;5 :5@V2=8FB2C A;V4 C206=VH5 A;V4:C20B8 70 @V2=5< ;V:2V4=>ABV, >A:V;L:8 F5 =5 BV;L:8 >1<56CT <>6;82>ABV :@548BC20==O :;VT=BV2, 0, >B65, V >45@60==O ?@81CB:C, 0 B0:>6 BO3=5 70 A>1>N HB@0D=V A0=:FVW 70 =528:>=0==O =>@<0B82V2. =0;V7CNG8 AB@C:BC@C 0:B82V2, 10G8<>, I> T 25;8:0 =54>AB0G0 28A>:>;V:2V4=8E 0:B82V2. &5 >1<56CT 10=: C @>7@0EC=:>2>-:0A>2><C >1A;C3>2C20==V :;VT=BV2, 7<CHCT 9>3> :C?C20B8 3>BV2:C, 0 2V4B0: V :@548B=V @5AC@A8 2 >1;48@5:FVW G8 C V=H8E 2V44V;5=L, I> BO3=5 70 A>1>N 4>40B:>2V 28B@0B8. >1@5, I> F59 <><5=B 265 2@0E>20=89 :5@V2=8FB2>< 10=:C, ?@> I> A2V4G0BL 40=V ;NB>3>, 0;5 A;V4 48=0<VG=VH5 4VOB8 2 FL><C =0?@O<:C, I>1 70157?5G8B8 4>AB0B=V9 @V25=L ;V:2V4=>ABV. >6;82>, F5 ?>2O70=> V7 ?>1>N20==O<8 ?@8 ?V428I5==V ;V:2V4=>ABV 2B@0B8B8 ?@81CB:>2VABL 0:B82V2, 0;5 A;V4 HC:0B8 >?B8<0;L=V 20@V0=B8, :>;8 T 4>AB0B=V9 @V25=L ;V:2V4=>ABV ?@8 4>A0B=L><C @V2=V ?@81CB:>2>ABV 0:B82V2.28G09=>, A;V4 4C<0B8 ?@> ?@81CB:>2VABL, 0465 :><5@FV9=89 10=: DC=:FV>=CT =0 ?@8=F8?0E :><5@FV9=>3> @>7@0EC=:C,0;5 =528:>=0==O =>@<0B82V2 BO3=5 70 A>1>N HB@0D8, O:V, D0:B8G=>, T 28B@0B0<8 10=:C V ?>@CH5==O< 10=:V2AL:>W 48AF8?;V=8. ">6 A;V4 >14C<0B8, G8 20@B> ?@81CB>: 28B@0G0B8 =0 HB@D8, G8., <>65, 20@B> ?@>25AB8 AB@C:BC@=V 7<V=8 V 281@0B8 >?B8<0;L=89 20@V0=B. 2. =0;V7 ?;0B>A?@><>6=>ABV>AB0B=VABL :0?VB0;C- F5 740B=VABL 10=:C ?>:@820B8 A2>W 28B@0B8. ;0B>A?@><>6=VABL 10=:C- F5 4>AB0B=VABL 2;0A=8E :>HBV2 4;O 70157?5G5==O 70E8ABC V=B5@5AV2 2:;04=8:V2 B0 V=H8E :@548B>@V2 10=:C. >B@8<0==O 10=:V2AL:8E =>@< 4>AB0B=>ABV :0?VB0;C 40T 7<>3C:7<5=H8B8 :@548B=89 @878:;2V4<>28B8AL 2V4 :@548BC20==O G8 =040==O ?>A;C3 C @07V, O:I> AC<0 10=:V2AL:>3> :0?VB0;C 1;87L:0 4> =>@<0B82V2 4>AB0B=>ABV :0?VB0;C ;V<VB8;7<V=8B8 ?;0BC 70 :@548B.;2V4<V=8B8 :@548B=V ;V<VB8.0=:C =5>1EV4=> <0B8 4>AB0B=V9 :0?VB0; 4;O 70157?5G5==O >1AO3C V E0@0:B5@C A2>WE :><5@FV9=8E C3>4. 3V4=> 7 075;LAL:>N C3>4>N >A=>2=8<8 ?>:07=8:0<8 4>AB0B=>ABV :0?VB0;C T <V=V<0;L=89 :>5DVFVT=B @878:>2>ABV 0:B82V2 V <V=V<0;L=89 :>5DVFVT=B :0?VB0;L=>3> ?>:@8BBO.@8 0=0;V7V 4>AB0B=>ABV :0?VB0;C , ?5@H 70 2A5, 287=0G0TBLAO 28:>=0==O 5:>=><VG=8E =>@<0B82V2, 2AB0=>2;5=8E #.>AB0B=VABL :0?VB0;C 287=0G0TBLAO G>B8@<0 ?>:07=8:0<8:<V=V<0;L=89 @>7<V@ AB0BCB=>3> D>=4C;<V=V<0;L=89 @>7<V@ 2;0A=8E :>HBV2 10=:C (:0?VB0;C);?;0B>A?@><>6=VABL 10=:C;4>AB0B=VABL :0?VB0;C (A?V22V4=>H5==O 2;0A=8E V 70;CG5=8E :>HBV2).;0A=89 :0?VB0; 10=:C T 0<>@B870B>@>< 718B:V2 ?> @>1>G8E 0:B820E. V4?>2V4=>, 045:20B=VABL :0?VB0;C- F5 9>3> 4>AB0B=VABL ?>:@820B8 O2=V V ?@8E>20=V 718B:8 @> 0:B820E.0?VB0; 10=:C 22060TBLAO 4>AB0B=V<, 0 10=: ?;0B>A@>><>6=8<, O:I>

---

Сторінки: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18