STUDY REGARDING THE INTEREST RATES PRACTICED BY THE CREDIT INSTITUTIONS AND THEIR ROLE IN THE BANKING ACTIVITY

2019 ◽  
Author(s):  
Claudia Sirbulescu
Keyword(s):  
Interest Rates ◽  
Banking Activity ◽  
Credit Institutions

Retour sur la cohabitation entre le droit CEMAC et le droit OHADA dans la liquidation des établissements de crédit en Afrique centrale

2021 ◽  
Author(s):  
Tchotchou Petche Kamga Camille
Keyword(s):  
Credit Institution ◽  
The Real ◽  
Banking Regulations ◽  
Banking Activity ◽  
Afrique Centrale ◽  
Credit Institutions

Abstract La liquidation des compartiments bancaire et non bancaire des établissements de crédit se caractérise par un dualisme juridique. Au premier compartiment est appliqué le droit CEMAC, tandis que le second compartiment est soumis au droit OHADA. Ce dualisme juridique est marqué par la prééminence de la réglementation bancaire CEMAC en raison de la spécificité de l’activité bancaire. Toutefois, cette prééminence n’est pas sans ambages. La réglementation bancaire CEMAC s’entremêle dans le processus de liquidation du compartiment non bancaire, pourtant dédié au droit OHADA, et de ce fait, relègue celui-ci à une position subsidiaire dans son « propre empire ». Cet imbroglio juridique crée une situation d’inconfort juridique pour toute personne qui sera chargée d’assurer la liquidation d’un établissement de crédit. Elle devra faire preuve de subtilité et de sagacité pour démêler et identifier, à chaque étape de la procédure, la véritable règle applicable. Mots-clésdroit CEMAC, droit OHADA, liquidation, procédures collectives, établissements de crédit Summary The liquidation of the banking and non-banking compartments of credit institutions is characterized by legal dualism. CEMAC law is applied to the first compartment and the second compartment is subject to OHADA law. This legal dualism is marked by the pre-eminence of the CEMAC banking regulations due to the specificity of the banking activity. However, this pre-eminence is not without ambiguity. The CEMAC banking regulations are interwoven in the process of liquidating the non-banking compartment, which is nevertheless dedicated to OHADA law, and therefore relegates it to a subsidiary position in its “own empire”. This legal imbroglio creates a situation of legal discomfort for anyone who will be responsible for liquidating a credit institution. He will have to show subtlety and sagacity to disentangle and identify, at each stage of the procedure, the real applicable rule.

Forecast and Development Prospects of the Russian Mortgage Market

2021 ◽  
Vol 9 (4) ◽  
pp. 57-66
Author(s):  
D. Stepanova ◽  
D. Mironova
Keyword(s):  
Factor Analysis ◽  
Interest Rates ◽  
Market Analysis ◽  
Mortgage Market ◽  
Mortgage Loans ◽  
Current State ◽  
Federal Districts ◽  
Further Development ◽  
Development Prospects ◽  
Credit Institutions

The study discusses the current state of the mortgage market in Russia, identifies its main trends and trends of further development based on the results of market analysis for 2018-2020. The dynamics of the volume of issued housing mortgage loans in Russia as a whole and in the context of federal districts, the dynamics of interest rates for various types of mortgages are presented, the trend of reduction of credit institutions providing mortgage loans is analyzed, and the rating of Russian banks in terms of the volume of mortgage loans is presented. A factor analysis of the volume dynamics of housing mortgage loans is carried out, and the preconditions for the growth of the Russian mortgage market are identified.

scholarly journals Reorganization of the technology and procedures for conducting mortgage transactions

2018 ◽  
Vol 80 (2) ◽  
pp. 473-477
Author(s):  
N. N. Kudryavtseva ◽  
Yu. V. Pakhomova ◽  
Yu. N. Duvanova
Keyword(s):  
Interest Rates ◽  
Banking Sector ◽  
Real Estate Market ◽  
Mortgage Lending ◽  
Mortgage Market ◽  
The Real Estate ◽  
Advantages And Disadvantages ◽  
Stage Of Development ◽  
Banking Activity ◽  
The Moment

The article considers the structure of mortgage lending of PJSC "VTB24", presents the functions of the Department of mortgage lending and the Department of conclusion and support of mortgage transactions. The scheme of the mortgage transaction is analyzed and its advantages and disadvantages are given. At the moment, there is a high probability of further curtailment of Bank licenses and the flow of depositors ' funds to larger banks at lower interest rates. At the same time, the Central Bank allows for a 2 – fold drop in profits from banking activities to the level of 300 billion rubles a year. At the present stage of development of the Russian economy, the banking sector is no longer experiencing a period of rapid growth, as it was a year and a half earlier. However, credit institutions continue to slowly increase the volume of lending operations, thus trying to ensure the gradual saturation of the Russian market of banking services. The growth of assets of Russian banks is based on the increase in the volume of loans granted. Lending to the economy and the population has firmly taken the place of the main type of banking activity. The most rapidly developing segment of the credit services market is lending to the population. The mortgage market should be considered as part of the interaction between the banking market, the real estate market, the insurance market and the securities market and their derivatives. The level of development of the mortgage market depends on the level of development of these markets. They are interrelated and interdependent elements of a single mortgage system in the country. In turn, the mortgage market can also be seen as a necessary element of the above markets

Bank Contracts in Albanian Legislation, Legal and Practical Issues in this Field

2016 ◽  
Vol 3 (1) ◽  
pp. 122
Author(s):  
Ardvin Kraja
Keyword(s):  
Interest Rates ◽  
Economic Activity ◽  
Banking Sector ◽  
Specific Treatment ◽  
High Interest ◽  
Banking Activity ◽  
Household Credit ◽  
The Law ◽  
The Republic ◽  
The Relationship

Banks perform an economic activity that is based on principles similar to those of an ordinary business. Banking activity includes the acceptance of deposits of individuals, firms, etc. As a result of the major needs and demands of the economy, household credit, with pertaining high interest rates, the banking sector dynamics experienced a high development. This progress has emerged since the establishment of relations between these banks and individuals by creating a particular system of rights as the law of banking, the focus of which is in the relationship between banks and customers. This kind of relationship is focused on banking contract. Various problems that have emerged from the effect of agreements between parties have brought the need for rating this field of law. Except the provisions provided in the Civil Code about the banking contract, specific laws for the regulation of this relation were approved. As instance could be mentioned the Law on Banks in the Republic of Albania and the normative framework that addresses the whole activity of banks in the territory, upon which the Albanian state has sovereignty. Specific treatment is required about the relations of banks with the customers, where may arise major legal and economic difficulties, because banks are major monetary formations

International Real Estate Review

2019 ◽  
Vol 22 (3) ◽  
pp. 359-397
Author(s):  
Rose Lai ◽  
◽  
Robert Van Order ◽  
Keyword(s):  
Interest Rates ◽  
House Prices ◽  
Housing Prices ◽  
Shadow Banking ◽  
Explanatory Factors ◽  
Pooled Mean Group ◽  
Long Run ◽  
Nominal Interest Rates ◽  
Banking Activity ◽  
Growth Stocks

This paper studies the evolution of property values and the connections between shadow banking and property markets in China. We use Pooled Mean Group estimation to analyze Chinese house prices in 65 cities from 2007-2016, define the "fundamentals¨ of housing prices with the Gordon dividend discount model, and use lagged rents, prices, real and nominal interest rates, and shadow banking activity as short term explanatory factors. We find that the cities tend to share long run fundamentals and adjust relatively quickly to deviations from the fundamentals. We do not find bubbles; rather houses are like growth stocks with house prices rapidly chasing growing rents. More importantly, we find that house prices increase more quickly with the availability of shadow banking funds, which have grown rapidly.

scholarly journals IMPROVEMENT OF AUTOMATED MANAGEMENT SYSTEMS FOR MICROLOANS

2019 ◽  
pp. 14-18
Author(s):  
V. V. Erokhin
Keyword(s):  
Information Systems ◽  
Interest Rates ◽  
Customer Service ◽  
Theoretical Basis ◽  
Management Systems ◽  
Automated Systems ◽  
Short Term ◽  
The Public ◽  
Credit Institutions

The article discusses modern approaches to improving the management of microloans in remote customer service. The lack of full-fledged microfinance information systems reduces the efficiency of credit institutions, which, as a result, leads to an increase in interest rates and hampers the development of the microloans market to the public. One of the modern areas of lending to the population, which allows to solve the problems of cash turnover, is the improvement of automated systems for managing micro-loans for remote customer service. The theoretical basis for improving the automation of long-term and short-term microloans is presented. Presented the development and improvement of information subsystems for loans.

scholarly journals Dynamics of Operations of the State Noble Land Bank on the Territory of the Samara Province in the late XIX – early XX century

2019 ◽  
Vol 19 (3) ◽  
pp. 263-273
Author(s):  
Roman V. Fedoseev
Keyword(s):  
Interest Rates ◽  
Land Ownership ◽  
The State ◽  
Difficult Situation ◽  
Historical Archive ◽  
Russian State ◽  
Entire Amount ◽  
Xix Century ◽  
Land Bank ◽  
Credit Institutions

Introduction. The nobles-landowners were in a difficult situation after the reforms of the middle of the XIX century. They lost the opportunity to use free labor in the form of their serfs, were in dire need of money, both for the purpose of hiring freelance workers and for the modernization of their economies. As a result, many of them used the services of actively created in this period of land credit institutions that issued loans at high interest rates and on unfavorable terms and, as a result, causing the ruin of the nobles-landowners. In connection with the above, the creation of a system of state noble land lending was an important tool to support the noble land ownership, being a powerful deterrent to the process of reducing the noble land ownership and at the same time providing the necessary funds for the modernization of estates. Materials and Methods. The study was conducted on the basis of a comprehensive analysis of statistical information contained in the reports of the Samara branch of the State Noble Land Bank, as well as archival data extracted from the Fund of the credit institution, located in the vaults of the Russian state historical archive. Results. According to the results of the analysis of data on the Samara province, the main indicators of the State Noble Land Bank, their dynamics, as well as the features of the studied processes were demonstrated. Noted and statistically confirmed reduction in lending after the revolution of 1905–1907, which caused a revision of agricultural policy. The uneven distribution of loans in the counties of the considered province was shown, which was primarily due to the different number of noble land ownership in them. It is revealed that the share of the Noble Bank in the studied province was more than 95 % of the total number of loans issued by land credit institutions secured by land ownership. Discussion and Conclusions. The preferential nature of lending allowed the State Noble Land Bank to concentrate in its hands almost the entire amount of debt of the local nobility of the Samara province. The Bank had pledged a large part of the land ownership of the nobility, a large part of the debt of the nobility of the land were in the State Noble Land Bank.

scholarly journals Theoretical and Practical Aspects Regarding the Cancellation of Abuse Clauses

2021 ◽  
Vol 27 (2) ◽  
pp. 89-93
Author(s):  
Mariana Rodica Țîrlea
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Theory And Practice ◽  
Protection Measures ◽  
The Interest Rate ◽  
Multidisciplinary Perspective ◽  
Credit Agreement ◽  
Credit Institutions

Abstract Interest and commissions are important sources of revenue for credit institutions. Among the causes generating abusive clauses are the interest, interest rates and commissions charged to loans to customers by creditors. Theory and practice have shown that these abusive clauses are unlimited. Effective knowledge of abusive clauses is only one of the customer protection measures. Of course, only their knowledge does not completely solve the problem, but will determine the orientation of creditors in finding more subtle abusive clauses. From a multidisciplinary perspective, the Study is structured in two parts: Part I, follows aspects of concrete identification of the types of sources of abusive clauses on a specified case and Part II materializes in the technical-applicative presentation of the methods used to quantify the differences in the amounts paid by the client in addition, generated by the existence of abusive clauses in the credit agreement he concluded with the creditor. The results of the first part confirm: Hypothesis 1, regarding the existence of abusive clauses in the investigated case; Hypothesis 2, regarding the identification of the sources generating abusive clauses that materialize in the interest rate, interest and bank fees; Hypothesis3, referring to the analytical grouping by types of the sources causing abusive clauses.

scholarly journals Credit for Rural Poor in Pakistan

1995 ◽  
Vol 34 (4II) ◽  
pp. 769-778
Author(s):  
Sarfraz Khan Qureshi
Keyword(s):  
Interest Rates ◽  
Rural Areas ◽  
Financial Services ◽  
Local Level ◽  
Green Revolution ◽  
Adverse Side Effect ◽  
Rural Poor ◽  
Rural Credit ◽  
Interest Policy ◽  
Credit Institutions

Farmers, large and small, and the non-farm population in rural areas all suffer from the liquidity constraint. Credit is needed to acquire command over the use of working capital, fixed capital, and consumption goods. The Green Revolution technologies have increased the credit requirement for modern inputs and farm investment. A new expanded role of rural credit institutions has emerged in the wake of the technology revol~tion in rural areas. Two distinct approaches have been used to provide the financial services to the rural poor. The most widely favoured approach in the past was the use of subsidised interest rates with a portion of credit reserved for the poor. The low interest policy was based on the premise that it would induce farmers, large and small, to use modern' inputs on a larger scale. One of the adverse side-effect of this policy was the introduction of an element of financial unsustainability in the loan portfolios of the credit institutions. The recent view about the delivery of rural credit consists of using market interest rates and using a mixture of 'bottom-up initiatives' at the local level, using non-government groups and 'top-down initiatives' by the formal credit institutions in terms of the simplification of the procedures and decentralisation of the credit operation for credit supply to the rural poor. In this paper, an attempt is made to evaluate the efficacy of these two approaches in the case of Pakistan for delivering credit to the rural poor.

scholarly journals DEVELOPMENTAL TRENDS IN BROKERAGE ACTIVITIES OF COMMERCIAL BANKS IN RUSSIA

2021 ◽  
Vol 7 (4) ◽  
pp. 270-288
Author(s):  
Natalia A. BABURINA ◽  
Alexey G. KUTSEV ◽  
Tatiana A. RAZMASHKINA
Keyword(s):  
Interest Rates ◽  
Commercial Banks ◽  
Securities Market ◽  
Positive Development ◽  
Factors Affecting ◽  
Interest Income ◽  
Wide Range ◽  
Working Age ◽  
Main Determinants ◽  
Credit Institutions

The present work contributes to the study of the effectiveness of brokerage activities of commercial banks in Russia. To date, not enough attention has been paid to the specific features peculiar to credit institutions in the securities market and the development of factors affecting the effectiveness of their work. In this regard, this study seems relevant and significant. In modern conditions, with regular changes in interest rates and high lending risks, banks are trying to diversify their interest income. One of the ways to increase the share of non-interest income is the introduction of a line of brokerage services. In the future, brokerage activities may become a way to reduce risks when there is a decrease in demand for lending by obtaining a wide range of commission income. The purpose of the study is to assess the development of brokerage activities of commercial banks in Russia at the present stage and identify its determining factors. The research methodology is based on the use of structural and dynamic statistical analysis, as well as correlation and regression analysis. The assessment of trends demonstrated the overall positive development of brokerage activities of the Russian credit institutions. In particular, there is an increase in the number of unique brokerage accounts opened in the commercial banks. Nevertheless, there was a slowdown in the growth rate of new accounts and a decrease in the activity of customers of the credit institutions, which signals the lack of efficiency of the brokerage activities of a commercial bank. Also, the current situation on the stock market is characterized by a decrease in interest in individual investment accounts and a high proportion of empty brokerage accounts of individuals. The authors have constructed a model of multiple linear regression, which made it possible to discover the main determinants of changes in the share of empty accounts of individuals from all open brokerage accounts in the regions of Russia. As a result of the conducted research, it was revealed that the level of empty brokerage accounts of individuals is influenced by such factors as average per capita income, unemployment rate, the proportion of people of working age and the percentage of the urban population.

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