Курсова робота - Банківська система
73

?>78G>: =0 <V610=:V2AL:><C @8=:C. &5 A2V4G8BL ?@> =570B=VABL 10=:C 28:>@8B>2C20B L8 B@0=D>@<0FVN :>@>B:>AB@>:>28E 10=:V2AL:8E ?0A82V2 C A5@54=L>AB@>:>2V. @>A;V4:CT<> F5 =0 C<>2=><C ?@8:;04V: A2>W :>HBB8 10=: 2V440T 70 30, 0 :>;8 =5 28AB0G0T :>HBV2 4;O :;VT=BAL:8E ?;0B56V2, ?>78G0T =0 <V610=:V2AL:><C @8=:C 70 15. V610=:VAL:89 45?>78B=89 @5AC@A, O: ?@028;>, 28:>@8AB>2CTBLAO 4;O «;0B0==O 4V@>:» 2 ?>B>G=V9 ;V:2V4=>ABV.'0ABV T 28?04:8, :>;8 :><5@FV9=V 10=:8 @53C;O@=>, «E@>=VG=>» =5 28:>=CNBL =>@<0B82V2 ?;0B>A?@><>6=>ABV, ;V:2V4=>ABV, V=H8E 5:>=><VG=8E ?>:07=8:V2.1C20T, I> B>4V 10=: ?5@52>4OBL =0 @568< DV=0=A>2>3> >74>@>2;5==O - A0=0FVW. &5 T B@82>6=89 A83=0; 4;O :;VT=BV2. >=8 ?@03=CBL O:=09H284H5 701@0B8 A2>W :>HB8 7 FVTW CAB0=>28 10=:C. >A=>2=><C F5 @>1;OBL 3>BV2:>N. "CB A;V4 1CB8 C206=8< V >15@56=8<: =5 20@B> 3>BV2:C 7018@0B8 =0 70@?;0BC DV@<V, 0465 =5 1C4CBL ?5@5@0E>20=V ?;0B56V 2 1N465B, >A:V;L:8 =0 :>@@0EC=:C 10=:C =5<0 :>HBV2. B0:><C 28?04:C :@0I5 27OB8 3>BV2:C ?V4 72VB - =0 2V4@O465==O G8 V=HV ?>B@518.=0;V7CNG8 C 4@C3><C @>74V;V ?>:07=8:8 4VO;L=>ABV 10=:C, 0 7>:@5<0 @5=B015;L=VABL, <8 @>73;O=C;8 DV=0=A>2V @5AC@A8 10=:C V 9>3> 2:;045==O. 0 F8<8 40=8<8 284=>, I> G0AB8=0 DV=0=A>28E @5AC@AV2 10=:C ?>28==0 1CB8 @50;V7>20=0 C :0AV 10=:C B0 =0 9>3> :>@@0EC=:C 4;O 28:>=0==O =8< A2>WE ?>B>G=8E 7>1>2O70=L V 4>B@8<0==O =>@< >1>2O7:>28E @575@2V2, 0 B0:>6 <0T 1CB8 @50;V7>20=0 2 >A=>2=V 70A>18, B>1B> C 1574>E>4=V («=5?@0FNNGV») 0:B828. =H0 G0AB8=0 ?>28==0 1CB8 @>7<VI5=0 C 4>E>4=V («?@0FNNGV»)0:B828. "0:8< G8=>< 7@>AB0==O G0AB:8 1574>E>4=8E 0:B82V2 (C=0A;V4>: ?V428I5==O =>@< >1>2O7:>28E @575@2V2) ?@872>48BL 4> A:>@>G5==O G0AB8=8 4>E>4=8E 0:B82V2 B0 4> 2V4?>2V4=>W 2B@0B8 :><5@FV9=8< 10=:>< <>6;82>AB59 >45@6C20B8 ?@81CB>:, >1AO3 O:>3>, 2@0E>2CNG8 ?>40B:>289 E0@0:B5@ @575@2C20==O, C A2VB>2V9 10=:V2AL:V9 ?@0:B8FV =07820NBL «?>40B:>28< 5D5:B><» @575@2=8E 28<>3.?;82 «?>40B:>2>3> 5D5:BC» =092V4GCB=VH89 70 C<>2 7=865==O 5D5:B82=>ABV C?@02;V==O DV=0=A>28<8 @5AC@A0<8 10=:C. $>@<CNG8 ?>@BD5;L 4>E>4=8E 0:B82V2, B0:>6 A;V4 <0B8 =0 C207V, I> G0A:0 :>HBV2, 2:;045=8E C =091V;LH ?@81CB:>2V @878:>2V 0:B82=V >?5@0FVW B56 ?V4;O30T @575@2C20==N V 287=0G0T «?>40B:>289 5D5:B», 2;82 O:>3> =0 ?5@2VA=89 @>7?>4V;@5AC@AV2 10=:C [ 482. AE5<C =0 4>4.13] A?@8G8=OT:7<5=H5==O >1AO3C ?>@BD5;O 4>E>4=8E 0:B82V2 =0 AC<C A?5FV0;L=8E 2V4@0EC20=L, O:V @>18BL 10=: 4;O ?>:@8BBO <>6;828E 718B:V2 70 :@548B0<8 B0 V=H8<8 @878:>28<8 >?5@0FVO<8;71V;LH5==O ?>@BD:;V2 2;0A=8E :0?VB0;V2 =0 AC<C 7030;L=8E @575@2=8E 2V4@0EC20=L, O:V <>6CBL 1CB8 28:>@8B0=V 4;O ?>:@8BBO <>6;828E 718B:V2 C <091CB=><C;28;CG5==O ?>78:, 9<>2V@=VABL ?>30H5==O O:8E =528A>:0, O: V7 ?>@BD5;O 0:B82V2 10=:C, B0: V ?>@BD5;O 9>3> 2;0A=8E :0?VB0;V2.B65, 15@CG8 4> C2038 B5, I> @575@2=V 2V4@0EC20==O ?5@5H:>460NBL @>728B:C 0:B82=8E 4>E>4=8E >?5@0FV9 10=:C, =0 =0HC 4C<:C, 2>=8 ?>28==V <0B8 =5 ABV;L:8 ?>40B:>289 E0@0:B5@ (C=0A;V4>: 28;CG5==O WE AC<8 7 >1V3C 4;O 45?>=C20==O =0 @0EC=:0E 2 #, 70 O:8<8 =5 28?;0GCNBLAO 2V4A>B:8), A:V;L:8 @53C;NNG89 V AB8<C;NNG89. @0E>2CNG8 2VB>289 4>A2V4 I>4> 24>A:>=0;5==O <5B>48:8 CB2>@5==O @575@2V2, O:V D>@<CNBL 3@>H>2C ?>78FVN 10=:C, <>6=0 70?@>?>=C20B8 B0:V AB8<C;NNGV V @53C;NNGV 70E>48: 7 <5B>N ?5@5>@VT=B0FVW AB@C:BC@8 ?>@BD5;O @>7<VI5==O DV=0=A>28E @5AC@AV2 C 1V: 71V;LH5==O 4>23>AB@>:>28E V=25AB8FV9 20@B> 28:;NG0B8 V7 AC<8 7>1>2O70=L, O:V ?V4;O30NBL @575@2C20==N, :>HB8, I> WE 10=:8 V=25ABCNBL C 45@602=V ?@>5:B8, D>@<CNG8 @575@2=89 D>=4; 2@0E>2C20B8 ?@O<V V=25AB8FVW :><5@FV9=8E 10=:V2; 7<5=HC20B8 >?>40B:>2C20=89 4>E>4 =0 AC<C ?@81CB:C, O:89 10=: >B@8<02 2V4 DV=0=AC20==O :0?VB0;L=8E 2:;045=L; 4;O 71V;LH5==O DV=0=A>2>W ABV9:>ABV :><5@FV9=8E 10=:V2 28?;0GC20B8 W< G0A:>2C :><?5=A0FVN 70 2B@0G5=V 2V4A>B:8 ?@8 45?>=C20==V <V=V<0;L=8E @575@2V2, 0 B0:>6 =04020B8 <>6;82VABL 2:;040B8 70@575@2>20=V 10=:>< :>HB8 C 45@602=V FV==V ?0?5@8; 4;O >?B8<V70FVW @V2=O 3@>H>2>W ?>78FVW 10=:C 48D5@5=FVN20B8 @>7<V@ <V=V<0;L=>3> @575@2C 70;56=> 2V4 B>3>, 4> O:>3> 03@530BC 3@>H>2>W <0A8 =0;568BL AC<0, I> 45?>=CTBLAO, >A:V;L:8 4;O 3@>H>28E :><?>=5=BV2, O:V 2E>4OBL 4> A:;04C ?>?5@54=L>3> 3@>H>2>3> 03@530BC, @V25=L @575@2C20==O 1C45 28I89, =V6 C A:;04>28E G0AB>: =0ABC?=8E 3@>H>28E 03@530BV2; 7 <5B>N 7<VF=5==O 10=:V2AL:>W A8AB5<8 #:@0W=8 2 FV;><C 48D5@5=FVN20B8 @575@2 70;56=> 2V4 2V4?>2V4=>ABV :@548B=>W 10=:V2AL:>W CAB0=>28 <V6=0@>4=8< AB0=40@B0< (!), O:V 2AB0=>2;5=V 075;LAL:8< :><VB5B>< V7 =03;O4C, 0 B0:>6 70;56=> 2V4 B8?C V B5@<V=C 4VO;L=>ABV :><5@FV9=>3> 10=:C , >A>1;82>AB59 @53V>=C, AB0=C 3@>H>2>3> @8=:C, 284V2 V AB@>:V2 45?>78BV2 B0 >1AO3V2 V AB@C:BC@8 0:B82V2 10=:C."0:8< G8=>< =V25;N20B8 =530B82=89 2?;82 «?>40B:>2>3> 5D5:BC» =0 @>728B>: V AB0=>2;5==O O: >:@5<8E 10=:V2, B0: V 10=:V2AL:>W A8AB5<8 #:@0W=8 2 FV;><C <>6=0, =0 =0HC 4C<:C, BV;L:8 H;OE>< 70AB>AC20==O @53C;NNG8E B0 AB8<C;NNG8E 70E>4V2, O:V A?@8ONBL >?B8<V70FVW CB2>@5==O 3@>H>28E @575@2V2.!5@54 0=0;V7C ?>:07=8:V2 4VO;L=>ABV, O:V @>73;O40;8AL C 4@C3><C @>74V;V, A;V4 B0:>6 73040B8 ?@> >FV=:C <5=546<5=BC 10=:C, B>1B> C?@02;V==O 9>3> 4VO;L=VABN. 06:> ?5@5>FV=8B8 206;82VABL FL>3> ?8B0==O, >A>1;82> 2@0E>2CNG8 ACG0A=89 AB0= 10=:V2AL:>W A8AB5<8 #:@0W=8.@8 287=0G5==V @V2=O <5=546<5=BC 15@CBLAO 4> C2038 B0:V ?>:07=8:8 O: 4>AB0B=VABL :0?VB0;C, O:VABL 0:B82V2, ?@81CB:>2VABL, ;V:2V4=VABL. FV=NNBLAO B0:V ?>:07=8:8: B5E=VG=0 :><?5B5=B=VABL 3>;>2=8E <5=5465@V2 10=:C, B>1B> G8 2V4?>2V40T :5@V2=8FB2> B8< ?>A040<, O:V =8< 709=OBV; A8AB5<0 =02G0==O ?5@A>=0;C; =0O2=VABL V @V25=L @>1>B8 :><VB5BV2 (:@548B=>3>, @52V7V9=>3>, 0C48B>@AL:>3> B0 V=H8E); >@30=V70FV9=0 AB@C:BC@0 10=:C, =0O2=VABL V ABC?V=L @50;V70FVW 10=:V2AL:>W ?>;VB8:8; =0O2=VABL 2=CB@VH=VE V=AB@C:FV9 V <5B>4>;>3VG=8E @>7@>1>:; O:VABL >D>@<;5==O 4>:C<5=B0FVW; 28:>=0==O 70:>=V2 B0 V=AB@C:FV9.;O C:@0W=AL:8E 10=:V2 >FV=:0 <5=546<5=BC T =>28< ?8B0==O<, ?@8G><C :@V< 2V4ACB=>ABV 4>A2V4C 2 B0:V9 @>1>BV A;V4 2V47=0G8B8 =54>AB0B=V9 @V25=L 10=:V2AL:>W :C;LBC@8, =5>1EV4=89 2 B0:><C 28?04:C.=0;V7 DV=0=A>2>3> AB0=C :><5@FV9=8E 10=:V2 <0T 4;O C:@0W=AL:8E 10=:V@V2 >A>1;825 7=0G5==O 2 C<>20E 7030;L=>W ?>;VB8G=>W, 5:>=><VG=>W V A>FV0;L=>W =5AB01V;L=>ABV. =0;V7 DV=0=A>2>3> AB0=C :><5@FV9=8>3> 10=:C ?@>2>48BLAO 42><0 H;OE0<8: 7 ?>78FV9 7>2=VH=L>3> V 2=CB@VH=L>3> 0C48BC. "><C A;V4 410B8 ?@> 28A>:89 ?@>D5AV9=89 @V25=L V >1T:B82=VABL B0:8E ?5@52V@>:. 06;828< =0?@O<>< 24>A:>=0;5==O 4VO;L=>ABV 10=:V2AL:>W A8AB:<8 :@0W=8, ?V428I5==O WW AB01V;L=>ABV, =0 =0H ?>3;O4, T ?>40;LH0 @>7@>1:0 B5>@VW V ?@0:B8:8

---

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