Курсова робота - Банківська система
73

?>40;LH89 A?04 28@>1=8FB20. # AB0=V 5:>=><VG=>3> A?04C :><5@FV9=V 10=:8 ?@0FNNBL 7 ?V428I5=8< @878:><. @> F5 A2V4G0BL =09?>H8@5=VHV ?@8G8=8 10=:@CBAB20 10=:V2:=5240;V ?>HC:8 CG0A=8:V2 =>2>3> :0?VB0;C;=040==O «?>30=8E» :@548BV2;=5240;0 B>@3V2;O 70AB02=8<8 FV==8<8 ?>?5@5<8;>?5@0FVW ?> B>@3V2;V >1;V30FVO<8;:>@C?FVO 2 @O40E 28I>3> <5=546<5=BC;=5:20;VDV:>20=5 :5@V2=8FB2>, O:5 =5 2<VT 2G0A=> @>7?V7=0B8 @878: 2B@0B8 0:B82V2, 7@>AB0==O 10=:V2AL:8E 2840B:V2;?5@528I5==O ?@>?>78FVW =04 ?>?8B><;=5O:VA=89 0=0;V7 V=D>@<0FVW ?@> A8BC0FVN =0 DV=0=A>2><C @8=:C V :;VT=B0E 10=:C.A>1;82VcBL 10=:V2AL:>3> 1V7=5AC ?>2O70=0 7 28A>:8< @878:><, :5@C20==O< @878:0<8. 0=:8 ?@0FNNBL C AD5@V :5@>20=>3> @878:C. # $! /,!" # !&#____________1. !". 2. "! !". 3. ",!", # !&#. 1. >:07=8:8 ;V:2V4=>ABV:>=><VG=V B5@<V=8 «;V:2V4=VABL» V «?;0B>A?@><>6=VABL» 2 ACG0A=V9 5:>=><VG=V9 ;VB5@0BC@V G0AB> ?5@5<VHCNBLAO, 70<V=NNG8 >48= >4=>3>. V9A=>, ?>=OBBO, O:V 287=0G0NBL FV B5@<V=8, 4>A8BL ?>4V1=V, 0;5 <V6 =8<8 T VAB>B=0 @V7=8FO. /:I> ?5@H5 T ?5@5206=> DC=:FVTN 3>A?>40@AL:>3> >@30=C, O:89 A0< 28N8@0T D>@<8 V <5B>48 ?V4B@8<0==O G2>TW ;V:2V4=>ABV =0 @V2=V 2A0=>2;5=8E G8 E030;L=>?@89=OB8E =>@<, B> V=H5, O: ?@028;>, AB>ACTBLAO DC=:FV9 45@6028. "5@<V= «;V:2V4=VABL» (2V4 ;0B «liquidus»- @V4:89, B5:CG89) 2 1C:20;L=><C @>7C<V==V >7=0G0T ;53:VABL @50;V70FVW, ?@>406C, ?5@5B2>@5==O <0B5@V0;L=8E FV==>AB59 V V=H8E 0:B82V2 C 3@>H>2V :>HB8. V:2V4=VABL 10=:C =5@V4:> 287=0G0TBLAO O: 740B=VABL :C?C20B8 3>BV2:>2V :>HB8 2 # G8 10=:0E-:>@5A?>=45=B0E 70 @>7C<=>N FV=>N. FV;><C ;V:2V4=VABL 10=:C ?5@5410G0T <>6;82VABL ?@>4020B8 ;V:2V4=V 0:B828, :C?C20B8 3@>H>2V :>HB8 2 # V 74V9A=N20B8 5<VAVN 0:FV9, >1;V30FV9, 45?>78B=8E V >I04=8E A5@B8DV:0BV2, V=H8E 1>@3>28E V=AB@C<5=BV2."5@<V= «?;0B>A?@><>6=VABL» 45I> H8@H89, 2V= 2:;NG0T =5 BV;L:8 V =5 ABV;L:8 <>6;82VABL ?5@5B2>@5==O 0:B82V2 2 B0:V, I> H284:> @50;V7CNBLAO, A:V;L:8 740B=VABL N@848G=>W G8 DV78G=>W >A>18 A2>TG0A=> V ?>2=VABN 28:>=0B8 A2>W ?;0BV6=V 7>N>2O70==O, O:V 28BV:0NBL 7 B>@3>25;L=8E, :@548B=8E V V=H8E >?5@0FV9 3@>H>2>3> E0@0:B5@C. "0:8< G8=>< ;V:2V4=VABL 28ABC?0T O: =5>1EV4=0 V >1>2O7:>20 C<>20 ?;0B>A?@><>6=>ABV, :>=B@>;L 70 4>B@8<0==O< O:>W 15@5 =0 A515 =5 BV;L:8 A0<0 N@848G=0 G8 DV78G=0 >A>10, 0;5 V ?52=89 7>2=VH=V9 >@30= :>=B@>;N G8 =047>@C. V:2V4=VABL 4;O :><5@FV9=>3> 10=:C 28ABC?0T O: 740B=VABL 10=:C 70157?5G8B8 A2>TG0A=5 28:>=0==O 2 3@>H>2V9 D>@<V A2>WE 7>1>2O70=L ?> ?0A82C. V:2V4=VABL 10=:C 287=0G0TBLAO 710;0=A>20=VABN 0:8B82V2 V ?0A82V2 10;0=AC 10=:C, ABC?5=5< 2V4?>2V4=>ABV AB@>:V2 @>7<VI5=8E 0:B82V2 V 70;CG5=8E 10=:>< ?0A82V2.>@<8 ;V:2V4=>ABV 10=:C 728G09=> 2A0=>2;NNBLAO O: 2V4=>H5==O @V7=8E AB0B59 0:B82V2 10;0=AC 4> 2AVTW AC<8 G8 4> 287=0G5=8E AB0B59 ?0A82V2, 01> =02?0:8, ?0A82V2 4> 0:B82V2. V:2V4=VABL 10=:C ;568BL 2 >A=>2V 9>3> ?;0B>A?@><>6=>ABV. ;0B>A?@><>6=VABL B@0:BCTBLAO O: 740B=VABL 10=:C C 2AB0=>2;5=V AB@>:8 2 ?>2=V9 AC<V 2V4?>2V40B8 70 A2>W<8 7>1>2O70==O<8. # ACG0A=V9 ;VB5@0BC@V VA=CT 420 ?V4E>48 4> E0@0:B5@8AB8:8 ;V:2V4=>ABV. V:2V4=VABL <>6=0 @>7C<VB8 O: 70?0A G8 O: ?>BV:. 0?A E0@0:B5@87CT ;V:2V4=VABL 10=:C =0 287=0G5=89 <><5=B, 9>3> 740B=VABL 2V4?L2VAB8 70 A2>W<8 ?>B>G=8<8 7>1>2O70==O<8, >A>1;82> 70 @0EC=:0<8 4> 70?8B0==O. /: ?>BV: ;V:2V4=VABL >FV=NTBLAO 70 ?52=89 ?5@V>4 G8 =0 ?5@A?5:B82C. @8 FL><C ;V:2V4=VABL 7 B>G:8 7>@C 70?0AC E0@0:B5@87CTBLAO O: 4>A8BL 2C7L:89 ?V4EV4. @8 @>73;O4V ;V:2V4=>ABV O: ?>B>:C 1V;LH0 C2030 ?@84V;OTBLAO <>6;82>ABV 70157?5G5==O ?5@5B2>@5==O <5=H ;V:2V4=8E 0:B82V2 C 1V;LH ;V:2V4=V, 0 B0:>6 ?@8B>:C 4>40B:>28E 70A>1V2, 2:;NG0NG8 >45@60==O ?>78:. "0:8< G8=>< =091V;LH>3> 7=0G5==O =01C20T =5 BV;L:8 >FV=:0 ;V:2V4=>ABV-«?>B>:C», 0;5 V >FV=:0 ;V:2V4=>ABV-«?@>3=>7C».;O >FV=:8 AC:C?=>W ;V:2V4=>ABV :><5@FV9=8E 10=:V2 A;V4 @>73;O40B8 2 A8AB5<V AB0FV>=0@=C ;V:2V4=VABL («70?0A»), ?>B>G=C ;V:2V4=VABL («?>BV:») V ?5@A?5:B82=C ;V:2V4=VABL («?@>3=>7»).0=:, O:89 <0T 4>AB0B=V9 70?0A ;V:2V4=8E 0:B82V2 4;O ?V4B@8<0==O <8BBT2>W (?>B>G=>W) ;V:2V4=>ABV, <>65 7 G0A>< WW 2B@?B8B8 2 72O7:C 7 ?5@528I5==O< ?>B>:C 7>1>2O70=L =04 ?>B>:>< B@0=AD>@<0FVW 2:;045=L 2 ;V:2V4=V 0:B828. FV=:0 ;V:2V4=>ABV-«?@>3=>7C» T =091V;LH ?@>1;5<0B8G=>N, B0: O: 2>=0 ?>2O70=0 7 >FV=:>N @878:C 0:B82=8E >?5@0FV9 10=:C. C:@0W=AL:V9 ?@0:B8FV 4;O FL>3> A;C60BL 5:>=><VG=V =>@<0B828, O:V @>7@0E>2CNBLAO :><5@FV9=8<8 10=:0<8 73V4=> =ABC:FVW !10 #.@8 B0:><C ?V4E>4V E0@0:B5@8AB8:0 ;V:2V4=>ABV ?>28==0 2@0E>2C20B8 =5 BV;L:8 40=V 72VB=8E 10;0=AV2 ?@> 70;8H:8 ?> 0:B82C V ?0A82C, 0;5 V V=HC @V7=><0=VB=C V=D>@<0FVN. "5@<V= 65 «;V:2V4=VABL 10;0=AC» =5AC<VA=89 7 4>?CA:>< @>73;O4C ;V:2V4=>ABV =5 O: 70;8H:C, 0 O: ?>B>:C. @V< B>3> FV;:>< >G5284=>, I> ;V:2V4=VABL ?>28=5= ?V4B@8<C20B8 10=:, 0 =5 10;0=A. ACG0A=8E C<>20E =5@V4:> AB0TBLAO, :>;8 28<>38 :;VT=B0 =0 3>BV2:C =5 <>6CBL 1CB8 704>2>;5=V 10=:>< ?>2=VABN, I> E0@0:B5@87CT ?>@CH5==O ;V:2V4=>ABV. 4=0: ?>4V1=0 A8BC0FVO =5 <>65 1CB8 28O2;5=0 =0 >A=>2V 40=8E 10;0=AC, >A:V;L:8 2 10;0=AV 2V4ACB=V 40=V ?@> >FV=:C ;V:2V4=>ABV O: «?>B>:C». &5 >:@5<89 ?@8:;04, 0;5 2V= =0>G=> ?>:07CT =5>1EV4=VABL >FV=:8 2AVTW AC:C?=>ABV D0:B>@V2, O:V E0@0:B5@87CNBL ;V:2V4=2ABL ?>B>:C."0:8< G8=><, ?>25@B0NG8AL 4> @>73;O4C 45DV=VFV9 <>6=0 7@>18B8 28A=>2>: ?@> B5, I> 270T<>72O7>: <V6 ?>=OBBO<8 «;V:2V4=VABL 10;0=AC» V «;V:2V4=VABL 10=:C» ?>;O30T C =0ABC?=><C. >-?5@H5, ;V:2V4=VABL 10;0=AC ?5@5410G0T <8BBT2C >FV=:C AB0=C 10=:C =0 287=0G5=C 40BC, 0 72V4A8 28?;820T, I> ;V:2V4=VABL 10;0=AC T A:;0402>N ;V:2V4=>ABV 10=:C. >-4@C35, 10;0=A :><5@FV9=>3> 10=:C ?>28=5= 70157?5GB8 ?@54AB02;5==O 40=8E 0=0;VB8G=>3> B0 A8=B5B8G=>3> >1;V:C C D>@<V, O:0 ?V4E>48BL 4;O @>7@0EC=:C AC:C?=>W ;V:2V4=>ABV 10=:C. @8 =54>B@8<0==V 4@C3>W C<>28 <>65 28=8:=CB8 A8BC0FVO, :>;8, 2>;>4VNG8 4>AB0B=L> ;V:2V4=8< 10;0=A>< =0 287=0G5=C 40BC, 10=: ?>?@8 F5 ?>2=VABN G8 G0AB:>2> =5;V:2V4=89. 40=V9 A8BC0FVW 28=8:0T ?>B@510 287=0G8B8 @878: =5710;0=A>20=>W ;V:2V4=>ABV. 878: ;V:2V4=>ABV 287=0G0NBL 728G09=> O: @878:, O:89 70AB02;OT 10=: C 287=0G5=89 <><5=B :C?C20B8 3>BV2:C ?> 28IV9 FV=V G8 2B@0G0B8 20@BVABL A2>WE 0:B82V2. @8 FL><C 0:B828 10=:C 22060NBLAO ;V:2V4=8<8 ;8H5 2 B><C 28?04:C, :>;8 WE <>6=0 H284:> ?@>40B8 157 2B@0B8 20@B>ABV. 0A828 10=:C 22060NBLAO ;V:2V4=8<8, O:I> 10=: <>65 >45@60B8 ?>78:C 70 AB02:>N, O:0 045:20B=0 BV9, ?> O:V9 :C?CNBL 70A>18 10=:8-:>=:C@5=B8. V4B@8<0==O AB01V;L=>ABV 10=:V2AL:>W A8AB5<8 2 FV;><C V

---

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