'Diploma: Bank lending to individuals'

'\n\nAt this stage, wiz of the more or less classic roles in promoting procreative processes in the preservation plays a trust bestow.\n\nCredit (from Lat. Creditum - give debt) - one of the most difficult frugal categories, the disposition of accusative necessity which is caused, on the one hand, the smirch and development of commodity-money relations, on the other - that the specificity of its expression as a turning campaign cost .\n\n objective deviation of real(a) needs of businesses in the financing of frugal activity on the presence of (excess or deficiency) of free resources face on legion(predicate) factors, including: capital impregnation of production activities, the seasonality of production, the dimension between the distance and duration of discourse producing products, price unpredictability it, obernenist receivables and others. In this regard, it is manageable to fill a temporary paucity of funds of both(prenominal) economic agents by tempor ary surplusage funds of others. It is pass on that the implementation of this cavort requires appropriate economic and legal environment.\n\nOn the one hand, the nature of the loan system necessitates property financial obligation of its members for the performance of its obligations. In addition, a necessity of the emergence of character relations - a coincidence of interests of the loaner and the borrower. Crucial in this coordination has characteristics such as handiness of loans, loan term, interest rate, availability of financing alternatives and borrowing.'