Short presentation of KommerzbankThe traditional portrait of the banking system has undergone rapid changes in recent decades.The familiar notion of a bank as a very conservative institu
Trang 1Short presentation of Kommerzbank
The traditional portrait of the banking system has undergone rapid changes in recent decades.The familiar notion of a bank as a very conservative institution that offers customers
an established range of products and services using traditional forms of work is a thing of the past.Banking conquers the virtual space.The remote access to bank accounts, anonymously rendered banking services and customer acquisition through a branch network become standard in the banking business
Even in the age of high technology and the simplification of many processes in the banks, the traditional banking services continue to be justified, and in the future, too, traditional forms of banking services and personal customer relationships will remain and be expanded
In modern society, the banks operate a variety of different transactions.They therefore not only organize the money circulation and credit relationships.Banks are financed by the national economy, insurances are transacted, purchases and sales of securities and foreign exchange are carried out, and in some cases, banks become intermediaries or asset managers.Credit institutions are on the advisory side, are involved in the discussion on national economic stimulus programs, carry out statistics and maintain their own subcontractors.In short, the bank does not show its specificity, but presents itself as a versatile enterprise The activities carried out by the bank include those which can actually be carried out by other institutions
The bank is an autonomous, independent commercial establishment.This is the real nature of the bank.The Bank, like other participants in market relations, is guided by the principle of economic interests.In addition, the bank is the only institution that strives to return its product
- the credit - to it.Of course, the bank is not a factory, no factory, but, like every other company,
it has its own products
The primary product of the bank is the formation of payment (money supply), as well as the provision of a variety of services in the form of loans, guarantees, guarantees, advice, asset management.The activity of the bank is therefore quite productive
Under market conditions, banks are an important element in providing the economy with additional financial resources.Modern banks do not only deal with money, but at the same time they are also important market analysts.As a result of their field of activity, banks can be brought close to business with all their needs and the changing market conditions.Thus, the bank, the market inevitably in a series with the basic key elements of economic regulation.
The most important legislative, organizational and legal documents, on the basis
of which a bank is formed and works.
Banking legislation can be divided into three stages.The first stage contains two legal blocks to the central bank (issuing bank) as well as laws regulating the activities of the individual commercial banks.Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" of 26 April 1995 and the Federal Law "On banks and banking activity" of 3 February
1996, the appropriate changes and additions.
Trang 2The second stage in the system of banking legislation is to regulate parallel institutions and to deal with banking activity.For example: laws on the stock market, stocks, securities, mortgages -some of their provisions also apply to banks
The third stage includes laws of general validity.These include, for example, the constitution as the basic law of the state, the civil code, commercial law and others
According to the law, the bank is to be viewed as an institution which simultaneously carries out deposits, credit and billing operations.Russian law obliges credit institutions, which wish to engage in banking activities, to obtain a license from the Russian Central Bank for the exercise
of banking activity.The Central Bank of the Russian Federation shall be provided with appropriate reports, which shall also exercise control
Organizational structure of the Chechen Regional Branch of OAO
"Rosselchosbank", type of bank, infrastructure of the bank.
The Chechen regional branch is a structural unit of the OAO "Rosselchosbank" and was founded
on the order of the President of the Russian Federation No 75-РП of 15 March 2000.It complies, in accordance with the decision of the Commission of the Central Bank of the Russian Federation, all claims made by the Bank of Russia to credit institutions.The Central Bank of the Russian Federation has granted the OAO "Rosselchosbank" a general license No 3349 for the exercise of banking transactions, which allows the bank to expand its activities In addition, the bank is kept in a register whose participants are subject to the Deposit Guarantee Scheme of 14 March 2006 under point 760.100% of the shares are held by the state.The bank is the market leader in the Russian agrarian credit and one of the most important links in the implementation
of the priority national project "Development of the agro-industrial complex"
statute General provisions
• The corporation OAO "Rosselkhozbank", hereinafter "Bank" is a financial institution, which on Decree No 75-РПof Präpresidents of the RussianFederation of 15öMarch 2000 foundedüwas a friend
• The Bank is exclusivelyßLiche rightleadits corporate name to fu
• The Bank goörtFederationto the banking system of the RussianöandäActivityth aregovernedby the legislation of the RussianFederationöand normative documents of the Bank of Russia
• The Bank is a legal entity with delimited Vermögen, whichwill leadsin a
standaloneändigen Record Foundü
Trang 3• The Bank shall be liable for its liabilities with all its fortuneögen, may in its own
nameAcquireVermögens right and intangible rights and fromüben,take
overobligationsabove, as Klôger or defendant may institute legal proceedings
• The Bank may subject to the rules branches and representative heöopen and equip them in line with the Bank's statutes with rights, withouttransmittedthem a legal person the rights tọ
• A bank is established indefinitely and works on the basis of a license issued by the Bank
of Russia
Types of activities
The Bank may exercise the following banking transactions:
• Funds of natuNATURAL and legal entities as deposits(Sight and time deposits);
• CreatingThe imthe previous paragraph of this Article provides funds referred to in its own name and at their own expense;
• Bank accounts for natuNATURAL and legal persons heöopen and fuhear;
• Allocations to the bank accounts on behalf of natuNATURAL and making legal persons, includingßLich of correspondent banks;
• Money, currency, payment and settlement documents and cash services to move for natuprovide NATURAL and legal persons;
• Buy and sell foreign exchange in cash and cashless;
• To attach and deposit precious metals as deposits;
• Bank guarantees exhibit
In addition to the banking transactions listed above, the bank is also entitled to carry out the following transactions:
• BankBürgschaften for third issue, whichis to provideErfüSettin g in non-cash form;
• To purchase debt securities from third parties whose Erfshall be furnishedüSettin g in non-cash form;
• Trusteeồnderischgen natumanagemoney and other VermNATURAL and legal entities on a contractual basis;
Trang 4• Transactions with precious metals and stones inÜconformity with the law of the RussianFederationöüdurchzufhear;
• NatüNATURAL and legal persons special Räumlichkeiten or therein safes for storing documents and valuables for rent;
• Leasing businessäfte;
• Consulting and information services
The Bank is also authorized to carry out other transactions in accordance with the legislation of the Russian Federation.All these banking transactions and transactions are executed both in rubles and in foreign currencies