Conclusion.

By means of banks there is a redistribution of free money, or "metabolism", use «energy of environment in interests of general welfare. Money and the credit as factors of growth of public wealth are capable to do the nations richer, however only in case management of money and the credit is based on accurate rules, their violation can become a brake of economic growth and economy prosperity.

Banking isn't the stiffened science. Banks, wishing to survive in competitive fight, sensitively react to needs of the clients, change of the environment surrounding them.

Today in the Kazakhstan banking system crediting is the most important direction of active operations. Therefore this subject takes a special place in work. In the center of attention there is a modern system and the main procedures of management by the credits, the analysis of the typical problems which decision is required for successful introduction of system of crediting.

Recently in Kazakhstan as bigger interest to development of management accounting is shown. It no wonder as management of the difficult organization is impossible without collecting and an assessment of all necessary information. Meanwhile in the conditions of the competition between banks the success accompanies those bankers who own modern methods of banking better.

The bank is a financial enterprise which focuses temporarily free money (deposits), provides them in temporary use in type of loan (loans, loans), mediates in mutual payments and calculations between the enterprises, establishments or individuals, regulates monetary circulation in the country, including release of new money.

The modern bank is a universal enterprise. As it was shown, carrying out "package" service, banks aspire to develop as much as possible types of service. In the field of credit policy this not only short-term, but also long-term crediting, crediting of the client regardless of character of its property and branch accessory, crediting and the population, and the enterprises. Banks aspire to develop currency transactions, to participate in work of the exchanges, to operate a portfolio of securities of the client, to render consulting services. The modern bank provides to the client about hundred different types of services.

Banking system – set of different types of national banks and the credit institutions operating within the general monetary and credit mechanism; includes the Central bank, a network of commercial banks and other credit financial settlements centers. At present in Kazakhstan, as well as in the majority of the countries of the world, the two-level banking system functions: the first level – the Central Bank, the second – commercial banks and other financial credit institutions.

References:

http://bibliofond.ru/view.aspx?id=491797

http://referat.ru/referats/view/19243

http://referats.allbest.ru/bank/9000118971.html

http://student.zoomru.ru/buhaudit/bankovskaya-struktura-kazahstana/44288.340792.s5.html

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