Тема: Этапы предоставления кредита на примере банка . Учебная работа № 377418

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Тип работы: Курсовая практика
Предмет: Банковское дело
Страниц: 32
Год написания: 2018
1Рынок кредитования населения РФ: сущность и виды кредитования населения 4
1.1 Кредитная система и ее особенности 4
1.2 Сущность, виды и риски кредитования населения 10
2Анализ механизма кредитования 19
2.1 Общая характеристика банка ” Открытие” 19
2.2 Сущность и характеристика процесса кредитования 21
2.3 Рекомендации по совершенствованию механизма кредитования 26
СПИСОК ИСПОЛЬЗОВАННОЙ ЛИТЕРАТУРЫ 31Стоимость данной учебной работы: 675 руб.


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    Учебная работа № 377418. Тема: Этапы предоставления кредита на примере банка

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    Small business lending in Kazakhstan (предоставление кредитов малому бизнесу в Казахстане)

    …..nses. However, firstly, government and banks did not have enough money to
    give credits to the enterprises and secondly, it was much easier to create
    monopoly. Thus, our system of supporting small business was not correct from
    the very beginning. But still, 10 years later when it seems that Kazakhstan had
    grown roots and almost everything going rather well, our system of supporting
    small business in a bad condition (see Appendix 1).

    are several reasons why our small business develops very slowly. Firstly,
    there was not any optimal government strategy it support small business.
    Government did not reveal the appropriate branch and regional priorities for
    small business. Secondly, another problem is corruption. As we know,
    officials can build huge barriers before entrepreneurs, for example, different
    checks, problems with registration, and others. Thirdly, a high taxes on

    Small enterprises pay more taxes than big ones. This
    system of taxation should be more fair, because for small enterprises there is
    no stimulus not to develop, but even to conduct their own business. Lastly,
    in our country there is no appropriate lending system. Banks do not want to
    credit small business, because there is more probability that business won’t go
    well, also there is big problems arises with preparing necessary documents in
    order to receive a credit, another problem is liquid enough pledge. So we can
    see, that enterprises collide with many problems when they are trying to
    receive a credit.

    What for our country should support small business?
    Small business creates new workplaces, form middle class, develop trade and
    production. If we would not develop small business, there will be no
    competitive market, thus there will be no improvements in our market, in
    products and services. So, we should develop small business in Kazakhstan to
    build up our economy, particularly we should improve our crediting system of
    small enterprises, because small firms have to develop themselves, but they can
    not do that without money. Thus, our research problem is with which problems
    small business meets, when it is trying to receive a credit.

    B. Research structure.

    Our research structure:

    Necessity to credit
    small business. In this chapter, we will tell you about needfulness of
    developing small business and some ways to realize financing and investing

    Goals for receiving a
    credit. In this chapter, you will read about aims of entrepreneurs who are
    trying to receive a loan and on what kind of goals banks lend money.

    3.   Terms for receiving a credit.
    You will read about necessary documents, required in banks and difficulties
    with preparing these documents, about meeting with representative of credit
    department, about pledge and interest rates.

    4.   Interest rates and repayment.
    In the chapter we will tell you about one of the most important things, with
    which each entrepreneur meets when he receives a loan – interest rates. Another
    important thing you will read in this chapter is a day or period of repayment.

    C. Research methodology.

    We conducted our research on case study and survey. We
    reviewed literature, Internet, publishing information, periodical,
    science magazines, and reports of different banks. We conducted an interview with respondent Ms Sahauyeva Zhanar, who is
    working as a chief accountant in “Oasis” company, this interview was organized
    in 3 of April (checklist, see Appendix #1).

    Necessity to
    credit small business.

    First of all, let us define the
    notion of small business. According to the existing law, to small business
    refer new and working…