У нас: 141825 рефератів
Щойно додані Реферати
Тор 100
Скористайтеся пошуком, наприклад
Реферат
Грубий пошук
Точний пошук
Вхід в абонемент
Курсова робота
Дипломна робота
Магістерська робота
Реферат
Контрольні роботи
Дипломна робота
-
Комерційні банки
74
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:B82V2 =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="$.<>PЮкмрtx$6‚„†Љ¶ємр&8ОРкь<@NPRTXZфйЯХКА¶К¶©¶К¶К¶К¶њ¶К¶К¶К¶К¶Џ¶К¶К¶К¶‚¶ukh=ЋCJ$mH"sH"h, вh=ЋCJ$mHsHh, вh=ЋCJmHsHhXo¦h=ЋCJmH"sH"h, вh=ЋCJmH"sH"hXo¦h=ЋCJmHsHh=ЋCJmH"sH"h=ЋCJmHsHh=Ћ5ЃCJmH"sH"h=ЋCJmH"sH"h=ЋCJmHsHh=Ћ5ЃCJmH"sH"h=Ћ5ЃCJ(mH"sH"'$>мt$†¶м&к@RTVXZjчпббУЖЖЖЖ№ЖЖЖЖЖґґґпчdhЖuА„Дdh]„ДЖЛА„ыdh]„ыЖЛ¬ АА„Rdh]„RЖЛ¬ АА„ыdh]„ы$dha$$dha$X›ў›ээZ^hj„†Ћђ”МО24df„†Zґ¶r'v'(((( (ў(т)ф)`.d.њ.†0€0®1реЧКЅКіЁі›і›і•і€і€і›і›і›іКncЁі›іЁЧі›іh=Ћ5ЃCJ mH"sH"h=Ћ5Ѓ6ЃCJ mH"sH"h=Ћ5Ѓ6ЃCJ$mH"sH"hXo¦h=ЋCJmH"sH"h=ЋCJhXo¦h=ЋCJmHsHh=Ћ5ЃCJmH"sH"h=ЋCJmH"sH"h=Ћ5Ѓ6ЃCJmHsHh=Ћ5Ѓ6ЃCJmH"sH"h=Ћ5Ѓ6Ѓ>*CJmH"sH"h=Ћ5ЃCJ,mH"sH"h, вh=Ћ5Ѓ6ЃCJmHsH&j¤J(hћ#%t'v'((ў(d.д1v2ъ2b3Ю3t4к4Љ5T6А6ј:уллллллууужЮуллУУУУУУУУл$&Fdha$$dha$dh$dha$$„Рdh`„Рa$®1°1ж12€2Љ2`3b3Ь3Ю3r4t4и4к4€5Љ5R6T6ѕ6А6В6ю6ј:ш:‚@„@ђEДE(O*OfZjZ[[ј[ѕ[Ћђ’¬^ё^ВcДcViXiroto*s,stt”t–t6u8uww0y2yRTТ…Ф…d†f†*€,€уйЫйуйОйОйОйОйОйОйОйЫйЫйБйЫйуй±й±й±й§±й±йуйБйуйуйуйБйБйБйБйБйБйБйуh=ЋCJmH"sH"jh=ЋCJUmHnHuhXo¦h=ЋCJmH"sH"h=Ћ5Ѓ6ЃCJmH"sH"h=Ћ5Ѓ6Ѓ>*CJmH"sH"h=ЋCJmH"sH"hXo¦h=ЋCJmHsHBј:њAЋEIK‚KцKLLШL¦MтMvNЦNHOЉOBP(RЦTюWІYґY¶YёYєYчлччаааааааааааХХХЖЖЖЖЖ$&F„Рdh`„Рa$$&Fdha$$&Fdha$$„Рdh`„Рa$$dha$єYјYѕYАYЦYfZ[ј[ђh]F^¬^є_Ћ`fa2b4b6bcФc"dвd’e2fћf°fѕfррррллрллллглллллллллллллл$dha$$a$$&F„Рdh`„Рa$ѕfАfВfДf*lvrђwLz¬~”Ѓj†И€ь€(ЉаЉ@ЌВ—ь ИмЭЭЭЭЭЭКККВВВВ№№№$$Ifa$$dha$$&F„„©dh^„`„©a$$&F„лdh^„лa$$&F„„Рdh^„`„Рa$ФЗЦЗИ И"ИІИґИФЙЦЙ^К`КpЛrЛ<М@МЪМНННН"Н&Н:Н<Н@НZН^НzН|НЂНЊНђНКЬМЬАзДзDтNтRтЁтЄт¶тётАтДтхххVшXш°щІщ.ы0ыЬыЮыаывытэфэЂя‚я„я†яЖИКФьтмьтьтьтьтьтьвЬвТЕТЕвТЕТЕвТЕТЕвЕвёвТёвёТёвЬв«ТвЕвЕвёвТвЕвЕвТвёвЕТвh, вh=ЋCJmHsHhXo¦h=ЋCJmHsHhXo¦h=ЋCJmH"sH"h=ЋCJmHsHh=ЋCJh=ЋCJmH"sH"h=ЋCJh=ЋCJmH"sH"h=ЋC И"И@ИBИDИVИXИZИtИvИxИzИ|И|ssssssssssss$$Ifa$‚kd$$If–lЦЦF”я«ВЩ#tЦ0цЦяяяЦяяяЦяяяЦяяя4Цlaц|И~ИЊИЋИђИ’ИґИЪИ2ЙЦЙ`КbКЋКДКЖКрКrЛ”Л–Л € љ#њ#Ё%®%Ъ%Ь%v'|'~'ф(ъ(–,њ,ћ,Ю>а>B@L@n@v@ґ@¶@AAFAJA€AЊAРAТAаAцмцЯцЯцЯцЯцЯцЯцЯмТмЯмТмЯмЯмТмцмТмцТмцмцЯмцмЗј¶ЁўЁ¶—‘—‘—З¶h=ЋCJ$h=Ћ5ЃCJ$mH"sH"h=ЋCJ,h=Ћ5Ѓ6Ѓ>*CJ,mH"sH"h=ЋCJh=Ћ5ЃCJ4mH"sH"h=Ћ5ЃCJmH"sH"hXo¦h=ЋCJmHsHhXo¦h=ЋCJmH"sH"h=ЋCJmH"sH"h=ЋCJmHsH9:~$ж'b(в(</2‚2„3”7Ћ;в;<v<є<=ж=.>О>Ж?ррррдрХХЖЖ········Ж$&F„ьdh^„ьa$$&F„бdh`„бa$$&F„Гdh^„Гa$$„Рdh`„Рa$$&F„Рdh`„Рa$Ж?И?К?М?О?Р?Т?Ф?Ц?Ш?Ъ?Ь?Ю?а?в?д?ж?и?к?м?мЩЖ·¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤$&F„„©dh^„`„©a$$&F„dh`„a$$&F„б„ьdh^„б`„ьa$$&F„Е„;эdh^„Е`„;эa$$&F„rя„;эdh^„rя`„;эa$м?о?р?т?ф?ц?ш?"@$@p@r@t@v@¶@AAAAAAHAJAЉAЊAммммдддддммммммммммССЖЖ$&Fdha$$&F„8„еюdh^„8`„еюa$$dha$$&F„„©dh^„`„©a$ЊAФAЦAШAЪAЬAЮAаA@BBBDBґEОINZP&RSтX^Z^dрilowммммммммммаССССССССССССС$&F„бdh`„бa$$„Рdh`„Рa$$&F„„еюdh^„`„еюa$аAB>BDBІEґEтEFМIОINNXPZP$R&RSSрXтX^Z^^ddоiрillooюvw "ЪЬ`†b†f‡h‡2€4€ "$&rtшp¤рррррррррррЭЭЭЭЭЭЭКр·$&F„„бdh^„`„бa$$&F„б„эdh^„б`„эa$$&F„„еюdh^„`„еюa$$&F„бdh`„бa$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> 2V= ?>:@820T =5 <5=H5 8% 9<>2V@=8E 718B:V2 ?> 0:B820E, I> 72065=V =0 25;8G8=C :@548B=>3> @878:C.0 075;LAL:>N C3>4>N >A=>2=89 V 4>40B:>289 :0?VB0; ?>28==V C @V2=V9 4>;V (=5 <5=H5 4%) ?>:@820B8 9<>2V@=V 718B:8 ?> 0:B820E.@8 =54>AB0B=>ABV :0?VB0;C 9>3> =0@>I5==O <>65 9B8:H;OE>< =0@>I5==O 2;0A=>3> :0?VB0;C;H;OE>< 4825@A8DV:0FVW (?5@5AB@C:BC@C20==O) 0:B82V2;?@>406C 0:B82V2 V A:>@>G5==O 1078 ?>@V2=O==O.# 2V44V;5==V «!>=OG=5» #:@A>F10=:C @>7@0E>2CNBLAO =>@<0B828 ?;0B>A?@><>6=>ABV V 4>AB0B=>ABV.>@<0B82 ?;0B>A?@><>6=>ABV- F5 A?V22V4=>H5==O :0?VB0;C 10=:C V AC<0@=8E 0:B82V2, 72065=8E I>4> 2V4?>2V4=8E :>5DVFVT=BV2 70 ABC?5=5< @878:C. !?V22V4=>H5==O :0?VB0;C 10=:C () V 0:B82V2 (@) 287=0G0T 4>AB0B=VABL :0?VB0;C 10=:C 4;O ?@>2545==O 0:B82=8E >?5@0FV9 7 C@0EC20==O< @878:V2, I> E0@0:B5@=V 4;O @V7=><0=VB=8E 284V2 10=:V2AL:>W 4VO;L=>ABV.>@<0B82 ?;0B>A?@><>6=>ABV (3) >1G8A;NTBLAO 70 D>@<C;>N: 3 = / @ * 100%>@<0B82=5 7=0G5==O FL>3> ?>:07=8:0 =5 <>65 1CB8 =86G8< 8%.# «!>=OG=><C» 2V44V;5==V #! =>@<0B82 ?;0B>A?@><>6=>ABV C 3@C4=V <8=C;>3> @>:C 1C2 28>=0=89 ;8H5 >48= @07, 30 3@C4=O. !5@54=L>72065=0 FL>3> =>@<0B82C C 3@C4=V AB0=>28;0 2AL>3> 5.58% V 1C;> 70DV:A>20=> 22 ?>@CH5==O [482.4>40B>: 6]. &5 4C65 =530B82=> 2?;820;> =0 7030;L=89 @V25=L @>1>B8 =5 BV;L:8 >:@5<>3> 2V44V;5==O, 0;5 V >1;48@5:FVW #!. &5 A2V4G8BL ?@> =54>AB0B=VABL :0?VB0;C ?>:@8B8 0:B828, <>6;82>, 7 28A>:8<8 ABC?5=O<8 @878:C. 5@V2=8FB2> 10=:C @>73;O=C;> A2>W ?>78FVW 7 FL>3> ?8B0==O, V 265 2 AVG=V 1998 @. ?><VB=> 71V;LH82AO F59 ?>:07=8:, E>G0 2V4E8;5==O 2V4 8% I5 1C;8 4>A8BL 2V4GCB=V.[482.4>40B>: 8]. @>A;0 V A5@54=L>72065=0 FL>3> =>@<0B82C, AB0=>28I5 ?><VB=> AB01V;V7C20;>AL. &O B5=45=FVO ?>A8;8;0AL C «!>=OG=><C» V 2 ;NB><C [482.4>40B>:9]. &59 =>@<0B82 ?><VB=> 7@VA. %>G 70DV:A>20=> 15 ?>@CH5=L, 0;5 A5@54=L>72065=0 265 AB0=>28;0 7.01%, I> A2V4G8BL ?@> ?>A8;5==O @>1>B8 10=:C I>4> 28:>=0==O FL>3> =>@<0B82C. ">1B> 1C;8 ?5@53;O=CBV 28A>:>@878:>2V 0:B828 10=:C V 045:20B=VABL WE=L>W ?@81CB:>2>ABV 4> @878:C 7 >4=>G0A=8< =0@>IC20==O< :0?VB0;C.>@<0B82 4>AB0B=>ABV :0?VB0;C (4)- F5 A?V22V4=>H5==O :0?VB0;C 4> 7030;L=8E 0:B82V2 10=:C, 7<5=H5=8E =0 AB2>@5=V 2V4?>2V4=V
Сторінки:
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18