Курсова робота - Банківська система
73

D>=4V2, I> 71V;LHCNBL 9>3> DV=0=A>2V @5AC@A8.@>F5=B @878:>2>3> :0?VB0;C- O: 2V4=>H5==O @5AC@AV2 :0?VB0;C 4> AC<8 2AVE V=25AB>20=8E 0:B82V2 (=0?@8:;04, ?>78:, 30@0=BV9 B>I>), ?><=>65=>W =0 A?5F8DVG=89 4;O :>6=>3> :;0AC 0:B82V2 :>5DVFVT=B @878:C. 1<565==O =0 ?@>F5=B @87<:>2>3> :0?VB0;C 2B@8<CT 10=:8 2V4 30@0=BV9 I>4> 28A>:>@878:>2>3> 1V7=5AC, O:I> FV 10=:8 =5 <0NBL 045:20B=8E @5AC@AV2 4;O ?>:@8BBO 2B@0B. 0=: ?>28=5= 70157?5GC20B8 2V440GC V 4>E>4=VABL AB>A>2=> :>6=>3> :;0AC @878:C, O:89 2V= 30@0=BC202, V 045:20B=> ?>:@820B8 2AV 718B:8 I>4> =L>3>. &5 107>289 ?@8=F8? A?V22V4=>H5==O @878:C V 28=03>@>48.C65 GVB:> F5 28@060T B0:5 ?>;>65==O >4=>3> V7 F8@:C;O@V2 =3;V9AL:>3> 10=:C: «>AB0B=V =04E>465==O =5>1EV4=V O: 4;O ?5@H>G5@3>2>3> 70E8ABC 2V4 718B:V2, B0: V O: 465@5;> =>2>3> :0?VB0;C, I> 40T 7<>3C =0@>IC20B8 1V7=5A». V7=V 0A?5:B8, I> E0@0:B5@87CNBL DV=0=A>2C ABV9:VABL 10=:C, =8=V AB0NBL >1T:B>< 45@602=>3> @53C;N20==O V 2 =0HV9 :@0W=V. "0:, 73V4=> 7 >;>65==O< ?@> ?>@O4>: D>@<C20==O 10=:V2AL:>N A8AB58>N #:@0W=8 >1>2O7:>28E @575@2V2, 70B25@465=8< ?>AB0=>2>N @02;V==O # !333 2V4 26.12.1996 @., 2AB0=>2;5=> =>@<0B828 D>@<C20==O >1>2O7:>28E @575@2V2 3@>H>2>-:@548B=>3> @8=:C B0 >1AO3C 3@>H>2>W <0A8, 70?>1V30==O 2B@0BV 10=:0<8 2V4?>2V4=>W ;V:2V4=>ABV. 1>2 O7:>2V @575@28 AB2>@NNBL 30@0=BVW 4;O 70157?5G5==O A2>TG0A=8E ?;0B56V2 70 28<>30<8 :;VT=BV2, I> E0@0:B5@87CT =09206;82VHC >7=0:C DV=0=A>2>W ABV9:>ABV. >@<C >1>2O7:>28E @575@2V2 2AB0=>2;5=> =0 @V2=V 11% 2V4 AC<8 70;CG5=8E :>HBV2 =570;56=> 2V4 465@5; B0 AB@>:V2 70;CG5==O 2:;04V2 V 45?>78BV2, 0 287=0G5=0 AC<0 :>HBV2 >1>2O7:>28E @575@2V2 ?>28==0 7=0E>48B8AO =0 :>@5A?>=45=BAL:><C @0EC=:C :><5@FV9=>3> 10=:C B0 2 9>3> :0AV. >B@8<0==N DV=0=A>2>W ABV9:>ABV :><5@FV9=>3> 10=:C B0 7<VF=5==N 9>3> 2V4?>2V40;L=>ABV 70 F59 AB0= A?@8OB8<5 9 =AB@C:FVO !10 @> ?>@O4>: @53C;N20==O B0 0=0;V7 4VO;L=>ABV :><5@FV9=8E 10=:V2, 70B25@465=0 ?>AB0=>2>N @02;V==O # !343 2V4 30.12.1996 @. 3V4=> V7 F8< 4>:C<5=B>< ?>A8;NNBLAO :>=B@>;L=V DC=:FVW # 2 E>4V =03;O4C 70 4VO;L=VABN :><5@FV9=8E 10=:V2, 70157?5G5==O WE DV=0=A>2>W ABV9:>ABV, 70E8ABC V=B5@5AV2 WE 2:;04=8:V2 B0 0:FV>=5@V2.:070=0 V=AB@C:FVO @>7:@820T ?@8=F8?8 287=0G5==O C7030;L=NNG>W >FV=:8 (@59B8=3C) DV=0=A>2>3> AB0=C :><5@FV9=>3> 10=:C. !8B5<0 @59B8=3C 2:;NG0T B0:V A:;04>2V:>AB0B=VABL :0?VB0;C- >FV=:0 @>7<V@C :0?VB0;C 10=:C 7 B>G:8 7>@C 9>3> 4>AB0B=>ABV 4;O 70E8ABC V=B5@5AV2 2:;04=8:V2 B0 ?V4B@8<0==O ?;0B>A?@><>6=>ABV./:VABL C?@02;V==O (<5=546<5=BC)- >FV=:0 <5B>4V2 C?@02;V==O 10=:>< V7 B>G:8 7>@C 5D5:B82=>ABV 4VO;L=>ABV, 2AB0=>2;5==O ?>@O4:C @>1>B8, <5B>4V2 :>=B@>;N, 4>B@8<0==O VA=CNG8E =>@<0B82=8E 0:BV2 B0 G8==>3> 70:>=>402AB20./:VABL 0:B82V2 - A?@><>6=VABL 70157?5G8B8 ?>25@=5==O 0:B82V2, 0=0;V7 ?>7010;0=A>28E @0EC=:V2, 0 B0:>6 2?;82 =040=8E ?@>1;5<=8E :@548BV2 =0 7030;L=89 DV=0=A>289 AB0= 10=:C.>E>4=VABL- >FV=:0 10=:C 7 B>G:8 7>@C 4>AB0B=>ABV 9>3> 4>E>4V2 4;O ?5@A?5:B828 @>728B:C.V:2V4=VABL- A?@><>6=VABL 10=:C 28:>=0B8 O: 728G09=V, B0: V =5?5@5410G5=V 7>1>2O70==O.5@5@0E>20=V ?C=:B8 VAB>B=>N <V@>N 287=0G0NBL =04V9=VABL :><5@FV9=8E 10=:V2 4;O 9>3> ?0@B=5@V2. 5O:V A?5FV0;VAB8 725@B0NBL C203C =0 A:;04=VABL >4=>7=0G=>W 9 >1T:B82=>W >FV=:8 =04V9=>ABV :><5@FV9=>3> 10=:C:»...!:;04=VABL ?>;O30T =5 ;8H5 2 B><C, I> 2V4ACB=O 2 4>AB0B=L><C >1AO7V =5>1EV4=0 V=D>@<0FVO, 0;5 B0:>6 V 2 B><C, I> =5<0T >13@C=B>20=>W <5B>48:8 72545==O FV;>3> @O4C @V7=>@V4=8E >48=8G=8E ?>:07=8:V2 2 >48= 7030;L=89 V=B53@0;L=89 ?>:07=8:. # ?V4AC<:C 2A5 F5 ?@872>48BL 4> 4C65 ?@8N;87=8E 28A=>2:V2 ?@> D2=0=A>289 AB0= :@548B=>3> 70:;04C...». #:@0W=V B0:0 <5B>48:0 ?>:8 I> 2V4ACB=O. # A2VB>2V9 ?@0:B8FV VA=CT 1030B> <5B>48: 4;O 287=0G5==O @59B8=3C 10=:V2. V7=V <5B>48:8 70AB>A>2CNBLAO 2 @V7=8E 5:>=><VG=8E C<>20E. 0 @8=:>2>W <>45;V 5:>=><V:8 @59B8=3 :><5@FV9=8E 10=:V2 1V;LH>N <V@>N 2?;820T =0 @8=:>2C FV=C 0:FV9 10=:C.# :@0W=0E 7 =5AB01V;L=>N 5:>=><V:>N, 45 I5 =5 70:V=G5=0 ?5@51C4>20 N@848G=>W 1078, @59B8=3 4;O 2:;04=8:0 70A2V4GCT =04V9=VABL :><5@FV9=>3> 10=:C. ;0A8G=89 20@V0=B A8AB5<8 «CAMEL» C4>A:>=0;NTBLAO. 0 0E>4V A2>@5=> A8AB5<C «CAMELS», 45 S- GCB;82VABL DV=0=A>2>3> @8=:C 4>B1030BL>E D0:B>@V2, A5@54 O:8E:V=D;OFVO;7<V=0 20@B>ABV :0?VB0;C;AB@0E>289 @878:;2?;82 =0 :>;820==O 20;NB=8E :C@AV2;@88:, ?>2O70=89 V7 B>@3>2>N 4VO;L=VABN;@878: <V6=0@>4=8E >?5@0FV9 B0 V=HV.V;LHVABL :@0W= @59B8=3 :><5@FV9=8E 10=:V2 287=0G0T 70 A8AB5<>N «CAMEL», O:0 >B@8<0;0 287=0==O 70 @>:8 A2>3> VA=C20==O. ;5 2>=0 7@CG=0 2 >A=>2=><C 4;O A;C61>2>3> :>@8ABC20==O, >A:V;L:8 <VAB8BL @O4 ?>:07=8:V2 :>=DV45=FV9=>3> E0@0:B5@C. 4;O >?C1;V:C20==O C 2V4:@8B8E 2840==OE 28:>@8AB>2CNBLAO @59B8=38 70 <5B>40<8 . @><>=>20, .;LB<0=0 B0 V=HV.A=CNG0 6 , =0?@8:;04, C >AVW <5B>48:0 A:;040==O @59B8=3C :><5@FV9=8E 10=:V2 G0AB> 72>48BLAO 4> 28:>@8AB0==O 3@>H>28E :>5DVFVT=BV2:V - 35=5@0;L=89 :>5DVFVT=B =04V9=>ABV, I> 4>@V2=NT 2V4=>H5==N :0?VB0;C 10=:C 4> ?@0FNNG8E 0:B82V2 (ABC?V=L 70157?5G5=>ABV @878:>28E 2:;045=L 10=:C 9>3> 2;0A=8< :0?VB0;><);V - :>5DVFVT=B <8BBT2>W ;V:2V4=>ABV, O:89 4>@V2=NT 2V4=>H5==N ;V:2V4=8E 0:B82V2 10=:C 4> 9>3> 7>1>2O70=L 4> 70?8B0==O (28:>@8AB0==O :;VT=BAL:8E 3@>H59 C 283;O4V 2;0A=8E :@548B=8E @5AC@AV2);!V - :@>A-:>5DVFVT=B, I> 2:07CT =0 2V4=>H5==O 2AVE 7>1>2O70=L 10=:C 4> 2840=8E :@548BV2;DV - 35=@0;L=89 :>5DVFVT=B ;V:2V4=>ABV, O:89 4>@V2=NT 2V4=>H5==N ;V:2V4=>ABV 0:B82V2 4> «70E8I5=>3> :0?VB0;C» (=5@CE><VABN 9 FV==>ABO<8) 4> AC<0@=8E 7>1>2O70=L 10=:C, I> 40T 7<>3C 10=:C ?@8 ?>25@=5==V 2840=8E ?>78: 704>2>;L=8B8 28<>38 :@548B>@V2 C ?@89=OBV AB@>:8;V - :>5DVFVT=B 70E8I5=>ABV :0?VB0;C, I> 4>@V2=NT 2V4=>H5==N «70E8I5=>3> :0?VB0;C» 4> 2AL>3> 2;0A=>3> :0?VB0;C V ?>:07CT, O:C G0AB:C A2>WE 0:B82V2 10=: 2:;040T C =5@CE><VABL, FV==>ABV B0 CAB0B:C20==O;FV - :>5DVFVT=B D>=4>2>W :0?VBV;V70FVW ?@81CB:C, O:89 2:07CT =0 2V4=>H5==O 2;0A=8E @5AC@AV2 10=:C 4> 3@>H59, I> 2=5A;8 70A=>2=8:8.;O A:;040==O 7030;L=>W D>@<C;8 =04V9=>ABV :><5@FV9=8E 10=:V2 5:A?:@B=> 22>4OBLAO 45:V;L:0 :>@83CNG8E :>5DVFVT=BV2 V ?8B><0 2030 A0<8E :>5DVFVT=BDV2 V, V, !V, DV B0 FV, I> 287=0G5=V 50 >A=>2V 5:A?5@B=8E >FV=>:.B65, 7030;L=0 D>@<C;0 =04V9=>ABV 1C45 B0:0: R=0.45Ai+0.2Bi+0.1(0.33Ci)+0.1Di+0.05Ei+0.1)0.33Fi)^3.0 ?>3;O4 A?5FV0;VABV2 <5B>48:0, I> ?>1C4>20=0 =0 >A=>2V 5:A?5@B=8E A?V22V4=>H5=L, =5 <>65 70157?5GC20B8 4>AB>2V@=>W >FV=:8 @59B8=3C :><5@FV9=8E 10=:V2. # @O4V 28?04:V2 @59B8=3 287=0G0TBLAO I5 ?@>ABVH5: =0 >A=>2V 0:B82V2 10;0=AC-=5BB> 01> =0 >A=>2V 25;8G8= WE 2;0A=>3> :0?VB0;C G8 >1AO3C ?@81CB:C. ;5 ?@8 287=0G5==V @59B8=3C ?>:07=8: 25;8G8= 0:B82V2 O: >A=>2=89 :>5DVFVT=B 28:>@8AB>2C20B8 =54>FV;L=>, B><C I> =5@V4:> :><5@FV9=V 10=:8 9>3>

---

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