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Кредитование юридических лиц

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РЕФЕРАТ

Работа с., табл., рис., ист., прил.

БАНКОВСКИЙ КРЕДИТ, КРЕДИТНАЯ ПОЛИТИКА, ПРОЦЕНТНАЯ СТАВКА, КРЕДИТНЫЙ
ПОРТФЕЛЬ, ЗАЛОГ, ПОРУЧИТЕЛЬСТВО, КРЕДИТОСПОСОБНОСТЬ ЗАЕМЩИКА

Объектом данной дипломной работы является ЗАО Банк «Первомайский» ДО
«Белореченский», расположенный в городе Белореченске. Предмет
исследования – процесс кредитования юридических лиц.

Цель дипломной работы – провести оценку процесса кредитования
юридических лиц в ЗАО Банк «Первомайский» ДО «Белореченский» и
разработать рекомендации, направленные на его совершенствование.

В работе использованы монографический, экономико-статистический,
логико-конструктивный, расчетно-коэффициентный методы исследования.

В ходе оценки кредитного процесса юридических лиц ЗАО Банк
«Первомайский» ДО «Белореченский» были выявлены следующие проблемы:
высокая процентная ставка по кредиту, отсутствие долгосрочного
кредитования на срок более трех лет и длительное оформление заявки на
кредит.

На основании проведенного исследования разработаны рекомендации по
совершенствованию процесса кредитования юридических лиц.

СОДЕРЖАНИЕ

ВВЕДЕНИЕ

1 ТЕОРЕТИЧЕСКИЕ АСПЕКТЫ КРЕДИТОВАНИЯ ЮРИДИЧЕСКИХ ЛИЦ

1.1 Необходимость и сущность кредита

1.2 Виды кредитования юридических лиц

1.3 Кредитная политика банка

2 ОРГАНИЗАЦИОННО-ЭКОНОМИЧЕСКАЯ ХАРАКТЕРИСТИКА

БанкА «Первомайский» (ЗАО)

2.1 Организационно-правовая характеристика банка

2.2 Оценка экономических показателей деятельности банка

3 КРЕДИТОВАНИЕ ЮРИДИЧЕСКИХ ЛИЦ В Банке

«Первомайский» (ЗАО)

3.1 Особенности организации кредитования юридических лиц в Банке
«Первомайский» (ЗАО)

3.2 Оценка кредитных продуктов предоставляемых юридическим лицам

3.3 Оценка кредитоспособности заемщика

3.4 Рекомендации по совершенствованию процесса кредитования юридических
лиц

ЗАКЛЮЧЕНИЕ

СПИСОК ИСПОЛЬЗОВАННЫХ ИСТОЧНИКОВ

ПРИЛОЖЕНИЯ

Приложение А Бухгалтерский баланс, 2005 г.

Приложение Б Отчет о прибылях и убытках, 2005 г.

Приложение В Бухгалтерский баланс, 2006 г.

Приложение Г Отчет о прибылях и убытках, 2006 г.

Приложение Д Бухгалтерский баланс, 2007 г.

Приложение Ж Отчет о прибылях и убытках, 2007 г.

ВВЕДЕНИЕ

Кредитная система в Российской Федерации состоит из нескольких уровней,
где коммерческие банки являются основным звеном банковской системы.
Одной из функций коммерческого банка является выдача кредитов, как одна
из активных операций приносящая наибольший доход. Кредит, являясь важным
инструментом платежа, применяется для удовлетворения разнообразных
потребностей заемщика, распределения и потребления валового продукта.
Это ссуда в денежной форме, предоставляемая кредитором заемщику на
условиях возвратности, платности за пользование ссудой. Разнообразные
виды кредитов грамотно управлять ими, то есть сводить к минимуму
возможные негативные последствия кредитных операций.

Объектом данной дипломной работы является ЗАО Банк «Первомайский» ДО
«Белореченский», расположенный в городе Белореченске. Предмет
исследования –

Для достижения этой цели были поставлены следующие задачи:

– раскрыть теоретические основы

– дать организационно-правовую характеристику Банку «Первомайский»
(ЗАО);

– провести оценку банка;

– рассмотреть в Банке «Первомайский» (ЗАО);

– провести оценку кредитных продуктов, предоставляемых юридическим
лицам;

– разработать рекомендации.

В работе использованы монографический, экономико-статистический,
логико-конструктивный, расчетно-коэффициентный методы исследования.

В процессе работы были использованы периодические издания и учебные
пособия таких авторов, как Белоглазова Г. Н., Жаровская Е. П., Лаврушин
О. И. и другие. В работе использовались также финансовая и бухгалтерская
отчетность Банка «Первомайский» (ЗАО) за 2005 – 2007 гг.

1 ТЕОРЕТИЧЕСКИЕ АСПЕКТЫ КРЕДИТОВАНИЯ ЮРИДИЧЕСКИХ ЛИЦ

1.1 Необходимость и сущность кредита

В практической экономической деятельности кредит представляет собой
передачу во временное пользование материальных ценностей в денежной или
товарной форме. При этом кредитные отношения проявляются в виде
конкретных кредитных сделок, формы и условия которых отличаются
значительным многообразием. Сущность же кредита всегда устойчива и
неизменна независимо от специфики его проявления, всегда сохраняет
черты, присущие экономическим отношениям, лежащим в основе кредита.

Заемщик – субъект кредитного отношения, получающий ссуду и обязанный ее
возвратить в установленный срок. Заемщиками могут быть юридические и
физические лица, испытывающие временный недостаток собственных средств –
государственные предприятия, акционерные общества, частные фирмы, банки,
государство, граждане и так далее. Вместе с тем, одного желания получить
ссуду недостаточно для участия в кредитном отношении в качестве
заемщика. Ссудополучатель должен предоставить экономические и
юридические гарантии возврата ссуженных средств по истечении срока
кредита.

Помимо кредиторов и заемщиков, элементом структуры кредитных отношений
является объект передачи – то, что передается от кредитора к заемщику и
что совершает свой обратный путь от заемщика к кредитору. Объектом
передачи выступает ссуженная стоимость, как особая часть стоимости.
Прежде всего, она представляет собой своеобразную нереализованную
стоимость. Высвободившаяся стоимость, оседающая у одного из субъектов
кредитных отношений, характеризует замедление ее движения, невозможность
в данный момент вступить в новый хозяйственный цикл. Благодаря кредиту
стоимость, временно остановившаяся в своем движении, продолжает путь,
переходя к новому владельцу, у которого обозначилась потребность в ее
использовании на нужды производства и обращения. Кредит, как правило,
предвосхищает образование тех доходов, которые должны быть получены
заемщиком в его хозяйстве. Практически заемщик обращается к кредитору с
просьбой о ссуде не только потому, что в данный момент у него нет
свободных денежных средств, но и потому, что он заинтересован в
получении доходов, в том числе доходов, которые можно было бы
использовать для предстоящих платежей [9].

Сущность кредита выступает в его трех функциях:

1) распределения на возвратной основе денежных средств
(распределительная функция);

2) создания кредитных средств обращения и замещения наличных денег
(эмиссионная функция);

3) осуществления контроля за эффективностью деятельности экономических
субъектов (контрольная функция).

Любой кредитор – будь то банк, предприниматель или частное лицо –
своеобразно через ссуду контролирует состояние заемщика, стремясь
предотвратить несвоевременный возврат долга. Все кредитное дело
построено с юридической точки зрения на гражданском законодательстве
страны, где наряду с актами купли-продажи, аренды, найма, перевозки и
т.д. четко охарактеризованы денежные обязательства, расчеты,
кредитование, комиссионные операции и другие гражданские акты,
повседневно совершаемые при посредстве денежных операций. Хотя функция
кредита – категория объективная, существующая независимо от воли и
желания людей, кредитная система может создавать условия, позволяющие
полнее использовать кредит для достижения поставленных целей [21].

Кредит обеспечивает трансформацию денежного капитала в ссудный и
выражает отношения между кредиторами и заемщиками. При его помощи
свободные денежные капиталы и доходы предприятий, личного сектора и
государства аккумулируются, превращаясь в ссудный капитал, который
передается за плату во временное пользование. Капитал физически, в виде
средств производства, не может переливаться из одних отраслей в другие.
Этот процесс осуществляется обычно в форме движения денежного капитала.
Поэтому кредит в рыночной экономике необходим прежде всего как
эластичный механизм перехода капитала из одних отраслей в другие и
уравнивания нормы прибыли.

Средства ссудного фонда используются для капитальных вложений –
воспроизводства основных фондов в случаях, когда отрасли или предприятию
необходимо осуществить затраты до фактического накопления ресурсов
(амортизации, прибыли). С ростом экономики и развитием хозяйства
увеличивается и размер кредитных ресурсов. Таким образом, в состав
ресурсов для кредитования (ссудного фонда) входят денежные резервы
предприятий и организаций, высвобождающиеся в процессе кругооборота
капитала, денежные резервы, выступающие в виде специальных фондов, а
также фонд амортизационных отчислений, используемые для
капиталовложений, государственный денежный резерв, состоящий из сумм
текущих денежных ресурсов бюджета, фонд денежных средств, специально
выделяемый для развития кредитных отношений (например, для долгосрочного
кредитования капиталовложений), денежные накопления населения,
аккумулируемые банками, эмиссия денежных знаков, осуществляемая в
соответствии с потребностями роста оборота наличных денег. Кредит
является средством межотраслевого и межрегионального перераспределения
денежного капитала. Кредитные отношения обусловлены непрерывным
кругооборотом средств в хозяйстве и позволяют эффективно использовать
все фонды денежных средств для нужд производства, торговли и
потребления.

Кредит разрешает противоречие между необходимостью свободного перехода
капитала из одних отраслей производства в другие и закреплением
производственного капитала в определенной натуральной форме. Он
позволяет также преодолевать ограниченность индивидуального капитала. В
то же время кредит необходим для поддержания непрерывности кругооборота
фондов действующих предприятий, обслуживания процесса реализации
производственных товаров, что особенно важно в условиях становления
рыночных отношений. Ссудный капитал перераспределяется между отраслями,
устремляясь с учетом рыночных ориентиров в те сферы, которые
обеспечивают получение более высокой прибыли или которым отдается
предпочтение в соответствии с общенациональными программами развития
экономики России [34].

Кредит способен оказывать активное воздействие на объем и структуру
денежной массы, платежного оборота, скорость обращения денег. Вызывая к
жизни различные формы кредитных денег, он обеспечивает создание базы для
ускоренного развития безналичных расчетов, внедрения их новых способов.
Все это способствует экономии издержек обращения и повышению
эффективности общественного воспроизводства в целом. Благодаря кредиту
происходит более быстрый процесс капитализации прибыли, следовательно,
концентрации производства.

С учетом этого банкам и заемщикам рекомендуется использовать различные
виды ссуд. Выбор их – дело не только техническое. Выбирая конкретный вид
кредита, заемщики учитывают экономическую целесообразность, выясняют,
позволяет ли данная форма кредитования наиболее полно использовать ссуду
для повышения доходности и развития их деятельности.

1.2 Виды кредитования юридических лиц

Банковский кредит – это такой кредит, при котором владельцы свободных
денежных средств предоставляют их в ссуду заемщикам через посредство
банков.

Денежная форма данного кредита предоставляет возможность получить его
любой области хозяйственной деятельности, на личные цели физических лиц
и другие потребности [3].

Банковские кредиты подразделяются на ряд видов по различным критериям
или признакам. В основу их классификации могут положены разные
особенности, отражающие те или иные стороны кредитования.

В зависимости от субъекта кредитования различают кредиты государственным
и негосударственным предприятиям и организациям, гражданам, занимающимся
индивидуальной трудовой деятельностью, другим банкам, прочим
хозяйствующим субъектам, включая органы власти, совместные предприятия,
международные объединения и организации.

По срокам пользования кредиты бывают до востребования и срочные (среди
которых, в свою очередь, выделяют краткосрочные, среднесрочные и
долгосрочные).

Краткосрочный кредит предоставляется на период до одного года и
обслуживает движение оборотного капитала предприятия, содействует
своевременному осуществлению расчетов, повышает платежеспособность
предприятия, укрепляет их финансовое положение. Краткосрочный кредит
является идеальным источником формирования той части оборотного
капитала, которая подвержена наиболее частым колебаниям.

Помимо кратко-, средне- и долгосрочных ссуд существует вид кредита
особой срочности – онкольный кредит (от англ. money of call – ссуда до
востребования), который погашается по первому требованию. Он выдается
банком брокерам, дилерам и клиентам для сверхкраткосрочных нужд и
используется, как правило, при биржевых спекуляциях [24].

По размерам различают кредиты крупные, средние и мелкие. По обеспечению
– необеспеченные (бланковые) кредиты и обеспеченные, которые, в свою
очередь, по характеру обеспечения подразделяются на залоговые,
гарантированные и застрахованные.

По способу выдачи банковские ссуды разграничиваются на ссуды
компенсационные и платежные. В первом случае кредит направляется на
расчетный счет заемщика для возмещения последнему его собственных
средств, вложенных либо в товарно-материальные ценности, либо в затраты.
Во втором случае банковская ссуда направляется непосредственно на оплату
расчетно-денежных документов, предъявляемых заемщику к оплате по
кредитуемым мероприятиям.

По методам погашения различают банковские ссуды, погашаемые в рассрочку
(частями, долями), и ссуды, погашаемые единовременно, на определенную
дату.

Кредит классифицируется по видам в зависимости от платности его
использования. Здесь выделяют платный и бесплатный, дорогой и дешевый
кредиты. За основу такого деления берется размер процентной ставки,
установленной за пользование ссудой.

Следующей перспективной формой нетрадиционного банковского кредитования
является лизинг. Лизинг – это кредитование отношений арендодателей и
арендополучателей в связи с эксплуатацией технологического оборудования.
Лизинг представляет собой договор аренды, предусматривающий
предоставление лизингодателем (арендодателем) принадлежащих ему
оборудования, машин, оргтехники, транспортных средств, сооружений
производственного, торгового и складского назначения лизингополучателю
(арендатору) в исключительное пользование на установленный срок за
определённое вознаграждение – арендную плату, которая включает
процентную ставку, закрывающую стоимость привлечения средств
арендодателем на денежном рынке с учётом необходимой прибыли банка и
амортизацию имущества. От кредита лизинг отличается тем, что после
окончания его срока и выплаты всей обусловленной суммы договора объект
лизинга остаётся собственностью лизингодателя (если договором не
предусмотрен выкуп объекта лизинга по остаточной стоимости или передача
в собственность лизингополучателя). При кредите же банк оставляет за
собой право собственности на объект как залог ссуды [10].

Основными критериями предоставления ссуд банками становятся риск,
ликвидность и прибыльность их использования заемщиком. Банки большое
внимание стали уделять анализу кредитоспособности своих клиентов,
эффективности и окупаемости кредитуемых мероприятий. Резко возросло
значение и расширились формы обеспечения возвратности банковских ссуд.

1.3 Кредитная политика банка

Стратегия и тактика банка в сфере получения и предоставления кредитов
составляет суть его кредитной политики.

Банк, будучи самостоятельным кредитным учреждением, проводит свою
кредитную политику с учетом политических и экономических условий, уровня
развития банковского законодательства, межбанковской конкуренции,
степени развития банковской инфраструктуры и другое.

Кредитная политика банка включает в себя следующие элементы:

Наличие ресурсов у банка и их структура обусловливают проведение
кредитной политики. Кредитная политика во многом зависит от ликвидности
банка.

Кредитование проводится несколькими этапами, среди которых следует
выделить: подготовительный; рассмотрение кредитного проекта; оформление
кредитной документации; этап использования кредита и последующего
контроля в процессе кредитования.

Кредитная политика коммерческого банка – это комплекс его мероприятий,
цель которых – повышение доходности кредитных операций и снижение
кредитного риска [20].

Разрабатывая кредитную политику, банк должен учитывать ряд объективных и
субъективных факторов:

1. Макроэкономические:

– общее состояние экономики страны;

– денежно-кредитная политика Банка России;

– финансовая политика Правительства России.

2. Региональные и отраслевые:

– состояние экономики в регионах и отраслях, обслуживаемых банком;

– состав клиентов, их потребность в кредите;

– наличие банков-конкурентов.

3. Внутрибанковские:

– величина собственных средств (капитала) банка;

– структура пассивов;

– способности и опыт персонала.

Наличие ресурсов у коммерческого банка является исходным для проведения
кредитной политики. Если кредитная операция оказывается достаточно
доходной и менее рискованной, банк может увеличить объём денежных
средств, предназначенных для кредитования. Ещё более заметное влияние на
кредитную политику оказывает структура имеющих в распоряжении банков
денежных средств. Если в их составе достаточный удельный вес занимают
долгосрочные ресурсы, то банк располагает большими возможностями для
долгосрочного кредитования. Также, кредитная политика зависит во многом
от ликвидности банка, возможности выполнения им обязательств перед
кредиторами – юридическими и физическими лицами, хранящими денежные
средства на счетах в банке [6].

Кредитная политика зависит и от специализации банка. Банк может
специализироваться не на кредитных, а иных (например, валютных)
операция; тогда и кредитная политика будет менее масштабной, сдержанной.

Первый этап формирования политики банка в области кредитования
-определение его стратегических целей. После этого банк вырабатывает
принципы организации кредитного портфеля и далее, основываясь на
выбранных принципах, определяет регламент исполнения кредитных операций.
Схематично состав работ, которые выполняются на каждом из перечисленных
этапов формирования политики банка в области кредитования, представлен
на рисунке 1.

Рисунок 1 – Этапы формирования политики в области кредитования

Цель кредитной политики коммерческого банка выражает конечный результат
деятельности банка, вытекает из его назначения – удовлетворять
потребности клиентов в получении дополнительных денежных средств. Эти
средства, полученные на возвратной основе, обеспечивают
жизнедеятельность предприятий, физических лиц. При этом банки реализуют
свои собственные цели как коммерческое предприятие – интересы получения
прибыли.

Задачи кредитной политики коммерческого банка имеют более частный
характер: они могут быть связаны с улучшением состава, банковских
кредитов, необходимостью ускорения их оборачиваемости, повышения
удельного веса обеспечённых ссуд [18].

Выбор направления кредитования вытекает из цели кредитной политики. Этот
элемент является частью стратегии коммерческого банка. Коммерческие
банки могут концентрировать свои усилия на кредитном обслуживании
организации определённых отраслей народного хозяйства.

Кредитная политика обычно оформляется в виде письменно зафиксированного
документа, который включает в себя положения, регламентирующие
предварительную работу по выдаче кредита, а также процесс кредитования.

Каждый из перечисленных элементов тесно связан с другими. Нарушение
одного из них неизбежно приводит к затруднениям либо к убыткам от
кредитной деятельности. Коммерческий банк, к примеру, не может ставить
цель кредитования, не осуществляя контроль, проверку того, как она
реализуется.

Одним из обязательных условий снижения кредитного риска является
диверсификация ссудного портфеля. Правила диверсификации предусматривают
следующее: выдавать ссуды различным предприятиям из различных отраслей
экономики меньшими суммами на более короткий срок и большему числу
заемщиков. Как дополнительное условие снижения виска должна применяться
диверсификация обеспечения возврата кредитов на основе сочетания
различных способов обеспечения возврата ссуд – залога, гарантий,
поручительства, страхования. Соблюдение этих правил позволит
компенсировать возможные потери по одним кредитным сделкам за счет выгод
от других [34].

2. ОРГАНИЗАЦИОННО-ЭКОНОМИЧЕСКАЯ ХАРАКТЕРИСТИКА Банка «Первомайский»
(ЗАО)

2.1 Организационно-правовая характеристика банка

Банк «Первомайский» (ЗАО) работает на финансовом рынке Кубани с октября
1990 г. В настоящее время он является одним из наиболее динамично
развивающихся банков, входящий в состав крупнейших в Южном Федеральном
Округе по величине собственного капитала и активам. 

Банк имеет круглую печать, содержащую его полное официальное и
сокращенное наименование на русском языке, эмблему и указание на место
его нахождения. Банк «Первомайский» может на добровольных началах
создавать или входить в союзы, ассоциации, не преследующие цели
извлечения прибыли. Для защиты и представления интересов своих членов,
координации их деятельности, развития межрегиональных и международных
связей, удовлетворения научных, информационных и профессиональных
интересов, выработки рекомендаций по осуществлению банковской
деятельности и решению иных совместных задач кредитных организаций.

Полное наименование банка – Акционерный банк «Первомайский» (закрытое
акционерное общество), краткое – Банк «Первомайский» (ЗАО). Юридический
адрес: 350020, г. Краснодар, ул. Красная, 139.

Высшим органом коммерческого банка является общее собрание акционеров,
которое должно проходить не реже одного раза в год. На нем присутствуют
представители всех акционеров банка на основании доверенности. Общее
собрание правомочно решать вынесенные на его рассмотрение вопросы, если
в заседании принимает участие не менее трех четвертей акционеров банка.

26 марта 2008 г. был открыт дополнительный офис «Белореченский» Банка
«Первомайский» (ЗАО), находящийся по адресу: г. Белореченск, ул. Ленина,
50.

К числу операций, осуществляемых дополнительным офисом «Белореченский»,
относятся:

– открытие и ведение банковских счетов юридических и физических лиц;

– осуществление расчетов по поручению юридических и физических лиц по их
банковским счетам;

– привлечение денежных средств юридических и физических лиц во вклады
(до востребования и на определенный срок);

– размещение привлеченных во вклады денежных средств от имени и за счет
банка;

– покупка поврежденного денежного знака (денежных знаков) иностранного
государства (группы государств) за наличную валюту Российской Федерации;

– покупка наличной иностранной валюты за наличную валюту Российской
Федерации;

– продажа наличной иностранной валюты за наличную валюту Российской
Федерации;

– осуществление переводов денежных средств в валюте Российской Федерации
по поручению физических лиц без открытия банковских счетов (за
исключением почтовых переводов);

– прием денежных знаков иностранных государств (группы государств) и
денежных знаков Банка России, вызывающих сомнение в их подлинности, для
направления на экспертизу;

– прием наличной иностранной валюты для осуществления перевода из
Российской Федерации по поручению физического лица без открытия
банковского счета (за исключением почтовых переводов);

– выплаты наличной иностранной валюты по переводам в Российскую
Федерацию без открытия банковского счета в пользу физического лица;

– прием наличной иностранной валюты для зачисления на счета физических
лиц в иностранной валюте;

Стабильно развивающийся Банк «Первомайский» отличается от прочих, прежде
всего, устойчивым финансовым положением и сильным стратегическим
потенциалом. Пассивные и активные операции тесно взаимосвязаны:
структура и характер пассивов во многом определяют возможности банка в
проведении активных операций, одновременно изменение политики банка в
области кредитования может существенно влиять на характер ресурсов.

Выходя на рынки кредита, покупая и продавая ценные бумаги, предоставляя
клиентам разнообразные услуги, банки постоянно контролируют состояние
своих пассивов, следят за наличием свободных ресурсов, сроками
востребования депозитов, стоимостью привлекаемых капиталов.

При замедлении притока ресурсов, банк пересматривает свою политику в
области активных операций, отказываясь от выгодных предложений, погашая
часть выданных кредитов, производит продажу ценных бумаг. Поэтому
необходима четкая координация всех сфер банковской деятельности.

Объем операций с ценными бумагами в странах с высоким уровнем развития
рыночных отношений, где они являются одной из высоколиквидных форм
вложений средств, варьируют в активах баланса от 20 до 40 и более
процентов. Для рассматриваемого банка объем этого вида операций остается
весьма незначительной величиной. Так, в 2005 г. вложения в
инвестиционные ценные бумаги составляли 2,70% , в 2006 г. – 4,20%, а в
2007 г. вложений в инвестиционные ценные бумаги вообще не
осуществлялось.

Основные средства, нематериальные активы и материальные запасы в 2005 г.
составляли 1,10%, в 2006 г. – 1%, в 2007 г. – 0,70% от общей величины
актива баланса исследуемого банка.

Структура пассива отражает источники собственных и привлеченных средств,
при этом объем и структура пассивов в значительной степени
предопределяют условия, формы и направления использования банковских
ресурсов, то есть объем и структуру активов.

В 2006 г. средства клиентов увеличились по сравнению с 2005 г. на 71,50%
и составили 2474861 тыс.руб., в 2007 г. они увеличились на 43,60% в
сравнении с 2006 г.

Собственные средства банка является стабильным источником,
обеспечивающим платежеспособность Банка «Первомайский» (ЗАО),
обеспечивающим покрытие кредитных рисков. Роль и величина собственного
капитала коммерческих банков имеют особенную специфику, отличающуюся от
предприятий и организаций, занимающихся другими видами деятельности тем,
что за счет собственного капитала банки покрывают менее 10% общей
потребности в средствах. Приведенные данные таблицы 2 и рисунок 4
показывают, что в общей сумме ресурсов коммерческого банка на долю
собственных средств в 2005 г. приходилось 9,89%, в 2006 г. – 6,65%, а в
2007 г. – 6,95% . Общая сумма источников собственных средств в 2006 г.
увеличилась на 8,83% по сравнению с 2005 г., а в 2007 г. ее рост
составил 150,13%.

Динамика структуры собственных и привлеченных средств банка показана на
рисунке 2.
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0000000

Рисунок 2 – Динамика структуры собственных и привлеченных средств Банка
«Первомайский» (ЗАО), %

Анализ финансовых результатов деятельности коммерческого банка состоит в
проведении анализа доходов, расходов банка и расчета прибыли. Основным
источником информации для проведения анализа финансового положения
является форма №2 «Отчет о финансовых результатах банка».

Доходы банка – это общая сумма денежных средств, полученных от
осуществления активных операций. Анализ банковской деятельности с точки
зрения ее доходности позволяет руководству сформировать кредитную и
процентную политику, выявить менее прибыльные операции и разработать
рекомендации возможного получения банком больших доходов.

Наибольший удельный вес в структуре доходов составляют полученные
проценты (63,28 – 68,60%), которые имеют возрастающее значение за
рассматриваемый период.

Расходы коммерческого банка – это затраты денежных средств банка на
выполнение операций и обеспечение функционирования банка.

Наибольший удельный вес в структуре расходов банка занимают уплаченные
проценты и административно-управленческие расходы. Так, в 2005 г.
уплаченные проценты и аналогичные расходы составили 42,42%, в 2006 г. –
45,27%, а в 2007 г. 42,64%, при этом темп роста в 2006 г. составил
188,33%, а в 2007 г. – 144,93%.

Общая сумма доходов в 2005 г. составила 216165 тыс.руб., в 2006 г. –
378000 тыс.руб., при этом ее рост составил 174,87%. В 2007 г. доходы
банка увеличились на 211253 тыс.руб., что составляет 55,89%.

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0002d010900040000002d010300050000000102c0c0c0000500000009020000000004000
0002c0100000700000016044f01d40100000000040000002d010200040000002d0101000
40000002d010200040000002d010100040000002d010600040000002d010700040000002
d010200040000002701ffff030000001e00040000002d010100040000002d01090004000
0002d010300050000000102c0c0c00005000000090200000000040000002c01000007000
0001604840031016500fa000400000004010d00040000000201010010000000320a6b00f
e0006000000333738303030080008000800080007000800040000002d010200040000002
d010100040000002d010600040000002d010700040000002d010200040000002701ffff0
30000001e00040000002d010100040000002d010900040000002d010300050000000102c
0c0c00005000000090200000000040000002c0100000700000016044f01d401000000000
40000002d010200040000002d010100040000002d010200040000002d010100040000002
d010600040000002d010700040000002d010200040000002701ffff030000001e0004000
0002d010100040000002d010900040000002d010300050000000102c0c0c000050000000
90200000000040000002c0100000700000016044000a801210070010400000004010d000
40000000201010010000000320a270074010600000035383932353308000800080008000
8000800040000002d010200040000002d010100040000002d010600040000002d0107000
40000002d010200040000002701ffff030000001e00040000002d010100040000002d010
900040000002d010300050000000102c0c0c00005000000090200000000040000002c010
0000700000016044f01d40100000000040000002d010200040000002d010100040000002
d010200040000002d010100040000002d010600040000002d010700040000002d0102000
40000002701ffff030000001e00040000002d010100040000002d010900040000002d010
300050000000102c0c0c00005000000090200000000040000002c010000070000001604d
d00b300bf007c000400000004010d00040000000201010010000000320ac400800006000
000313935333837080007000800080008000800040000002d010200040000002d0101000
40000002d010600040000002d010700040000002d010200040000002701ffff030000001
e00040000002d010100040000002d010900040000002d010300050000000102c0c0c0000
5000000090200000000040000002c0100000700000016044f01d40100000000040000002
d010200040000002d010100040000002d010200040000002d010100040000002d0106000
40000002d010700040000002d010200040000002701ffff030000001e00040000002d010
100040000002d010900040000002d010300050000000102c0c0c00005000000090200000
000040000002c010000070000001604b00033019100fb000400000004010d00040000000
201010010000000320a9700ff00060000003334343830390800080008000800080008000
40000002d010200040000002d010100040000002d010600040000002d010700040000002
d010200040000002701ffff030000001e00040000002d010100040000002d01090004000
0002d010300050000000102c0c0c00005000000090200000000040000002c01000007000
00016044f01d40100000000040000002d010200040000002d010100040000002d0102000
40000002d010100040000002d010600040000002d010700040000002d010200040000002
701ffff030000001e00040000002d010100040000002d010900040000002d01030005000
0000102c0c0c00005000000090200000000040000002c0100000700000016047b00aa015
c0073010400000004010d00040000000201010010000000320a610077010600000035333
0353233080008000800080007000800040000002d010200040000002d010100040000002
d010600040000002d010700040000002d010200040000002701ffff030000001e0004000
0002d010100040000002d010900040000002d010300050000000102c0c0c000050000000
90200000000040000002c0100000700000016044f01d40100000000040000002d0102000
40000002d010100040000002d010200040000002d010100040000002d010600040000002
d010700040000002d010200040000002701ffff030000001e00040000002d01010004000
0002d010900040000002d010300050000000102c0c0c0000500000009020000000004000
0002c010000070000001604fd00ac00df0085000400000004010d0004000000020101000
d000000320ae400890004000000383135330800080008000700040000002d01020004000
0002d010100040000002d010600040000002d010700040000002d010200040000002701f
fff030000001e00040000002d010100040000002d010900040000002d010300050000000
102c0c0c00005000000090200000000040000002c0100000700000016044f01d40100000
000040000002d010200040000002d010100040000002d010200040000002d01010004000
0002d010600040000002d010700040000002d010200040000002701ffff030000001e000
40000002d010100040000002d010900040000002d010300050000000102c0c0c00005000
000090200000000040000002c010000070000001604f7002f01d800ff000400000004010
d0004000000020101000f000000320add000301050000003137373738330800080008000
8000800040000002d010200040000002d010100040000002d010600040000002d0107000
40000002d010200040000002701ffff030000001e00040000002d010100040000002d010
900040000002d010300050000000102c0c0c00005000000090200000000040000002c010
0000700000016044f01d40100000000040000002d010200040000002d010100040000002
d010200040000002d010100040000002d010600040000002d010700040000002d0102000
40000002701ffff030000001e00040000002d010100040000002d010900040000002d010
300050000000102c0c0c00005000000090200000000040000002c010000070000001604e
400a601c50077010400000004010d0004000000020101000f000000320acb007b0105000
00037393838333308000800080008000700040000002d010200040000002d01010004000
0002d010600040000002d010700040000002d010200040000002701ffff030000001e000
40000002d010100040000002d010900040000002d010300050000000102c0c0c00005000
000090200000000040000002c0100000700000016044f01d40100000000040000002d010
000040000002d010600040000002d010700040000002d010200040000002701ffff03000
0001e00040000002d010000040000002d010900040000002d010300050000000102c0c0c
00005000000090200000000040000002c0100000700000016045001d601ffffffff05000
0000102f9f8f3000400000004010d00040000000201010009000000320af5003e0001000
0003043080010000000320ad500160006000000313030303030080008000800080008000
80010000000320ab70016000600000032303030303008000800080008000800080010000
000320a970016000600000033303030303008000800080008000800080010000000320a7
80016000600000034303030303008000800080008000800080010000000320a580016000
600000035303030303008000800080008000800080010000000320a39001600060000003
6303030303008000800080008000800080010000000320a1900160006000000373030303
030080008000800080008000800040000002d010600040000002d010700040000002d010
200040000002701ffff030000001e00040000002d010000040000002d010900040000002
d010300050000000102f9f8f30005000000090200000000040000002c010000070000001
6044f01d40100000000040000002d010600040000002d010700040000002d01020004000
0002701ffff030000001e00040000002d010000040000002d010900040000002d0103000
50000000102f9f8f30005000000090200000000040000002c0100000700000016045001d
601ffffffff0400000004010d00040000000201010010000000320a0f017a00060000003
2303035e32e08000800080008000700030010000000320a0f01f5000600000032303036e
32e08000800070008000700040010000000320a0f016f010600000032303037e32e08000
8000800080006000400040000002d010600040000002d010700040000002d01020004000
0002701ffff030000001e00040000002d010000040000002d010900040000002d0103000
50000000102f9f8f30005000000090200000000040000002c0100000700000016044f01d
4010000000008000000fa0200000100000000000000040000002d01050004000000f0010
300040000002d01080004000000f00109000400000004010d00040000000201020007000
0001b044801cc0128014800040000002d010600040000002d010700040000002d0102000
40000002701ffff030000001e00040000002d010000040000002d010800040000002d010
500050000000102f9f8f30005000000090200000000040000002c0100000700000016044
701cd0128014800040000002d010600040000002d010700040000002d010200040000002
701ffff030000001e00040000002d010000040000002d010800040000002d01050005000
0000102f9f8f30005000000090200000000040000002c0100000700000016044701cd012
801480008000000fa0200000300000000008000040000002d01030004000000f00105000
5000000140238014f000400000004010d000400000002010100050000001302380174000
500000014023801610007000000fc020000000080000000040000002d01050008000000f
a0200000100000000008000040000002d01090004000000f001030005000000010200008
00004000000020102000e00000024030500610033016700380161003d015c00380161003
301050000000102f9f8f3000400000002010100040000002e01180010000000320a3d017
80006000000c4eef5eee4fb0c00090006000a0007000c00040000002e010000040000002
d010600040000002d010700040000002d010200040000002701ffff030000001e0004000
0002d010000040000002d010500040000002d010900050000000102f9f8f300050000000
90200000000040000002c0100000700000016044701cd0128014800040000002d0106000
40000002d010700040000002d010200040000002701ffff030000001e00040000002d010
000040000002d010500040000002d010900050000000102f9f8f30005000000090200000
000040000002c0100000700000016044701cd012801480008000000fa02000003000000f
f00ff00040000002d01030004000000f00109000500000014023801b8000400000004010
d0004000000020101000500000013023801dd000500000014023801cb0007000000fc020
000ff00ff000000040000002d01090004000000f001050008000000fa02000001000000f
f00ff00040000002d01050004000000f0010300050000000102ff00ff000400000002010
200070000001b043d01d0003301c500050000000102f9f8f300040000000201010004000
0002e01180012000000320a3d01e10007000000d0e0f1f5eee4fb0009000800080007000
90008000c00040000002e010000040000002d010600040000002d010700040000002d010
200040000002701ffff030000001e00040000002d010000040000002d010900040000002
d010500050000000102f9f8f30005000000090200000000040000002c010000070000001
6044701cd0128014800040000002d010600040000002d010700040000002d01020004000
0002701ffff030000001e00040000002d010000040000002d010900040000002d0105000
50000000102f9f8f30005000000090200000000040000002c0100000700000016044701c
d012801480008000000fa020000030000003366ff00040000002d01030004000000f0010
500050000001402380125010400000004010d00040000000201010005000000130238014
a010500000014023801380107000000fc0200003366ff000000040000002d01050004000
000f001090008000000fa020000010000003366ff00040000002d01090004000000f0010
3000500000001023366ff0004000000020102000c00000024030400380133013d013d013
3013d0138013301050000000102f9f8f3000400000002010100040000002e0118001c000
000320a3d014e010e000000d7e8f1f2e0ff20eff0e8e1fbebfc0b0009000800060008000
800040009000a00090009000c0008000800040000002e010000040000002d01060004000
0002d010700040000002d010200040000002701ffff030000001e00040000002d0100000
40000002d010500040000002d010900050000000102f9f8f300050000000902000000000
40000002c0100000700000016044701cd0128014800040000002d010600040000002d010
700040000002d010200040000002701ffff030000001e00040000002d010000040000002
d010500040000002d010900050000000102f9f8f30005000000090200000000040000002
c0100000700000016044f01d4010000000007000000fc020000000000000000040000002
d01030004000000f0010500040000002d01060004000000f0010900040000002d0102000
40000002701ffff030000001e00050000000102f9f8f3000500000009020000000004000
0002701ffff030000001e00050000000102f9f8f30005000000090200000000040000002
701ffff030000000000

Рисунок 3 – Динамика финансовых результатов деятельности Банка
«Первомайский» (ЗАО), тыс.руб.

От периода к периоду наблюдается увеличение валюты баланса, что говорит
о расширении деятельности Банка «Первомайский» (ЗАО) на рынке банковских
услуг.

В связи с данной динамикой и реализацией менеджментом банка стратегий,
направленных на оптимизацию управления активными и пассивными
операциями, а также совершенствование системы управления рисками
позволили получить прибыль по итогам 2005-2007 гг.

3 КРЕДИТОВАНИЕ ЮРИДИЧЕСКИХ ЛИЦ В Банке «Первомайский» (ЗАО)

3.1 Особенности организации кредитования юридических лиц в Банке
«Первомайский» (ЗАО)

Организация кредитного процесса осуществляется Акционерным Банком
«Первомайский» исходя из собственной кредитной политики, которая
учитывает экономические, политические, организационные и иные факторы,
оказывающие влияние на его деятельность. Кредитная политика создает
необходимые общие предпосылки эффективной работы персонала кредитного
подразделения банка (понимание приоритетов, целей, инструментов, методов
организации кредитных сделок), объединяет и организует усилия персонала,
уменьшает вероятность ошибок и принятия нерациональных решений.
Организация кредитного процесса в банке основывается на функциональном
разграничении обязанностей кредитного персонала, позволяющем добиваться
высокого профессионализма.

Процентные ставки по кредитам предлагаются кредитующими подразделениями
банка и устанавливаются органами принятия кредитных решений как
неотъемлемая часть кредитного предложения с учетом стоимости
фондирования. При установлении процентной ставки кредитующие
подразделения помимо анализа риска учитывают наличие прочих доходов от
данного клиента или данной кредитной операции, стоимость привлекаемых
ресурсов. Кредитующие подразделения придерживаются единой процентной
политики по каждому клиенту. Установление для одного клиента разных
процентных ставок разными кредитующими подразделениями, соответственно,
конкуренции между кредитующими подразделениями банка не допускается.

Дополнительный офис «Белореченский» Банка «Первомайский» (ЗАО)
осуществляет планирование кредитной работы; осуществляет привлечение
клиентов; инициирует кредитные сделки; осуществляет анализ кредитных
предложений; при необходимости участвует в анализе и подготовке
кредитных предложений по специальным видам кредитования; выносит
кредитные предложения на рассмотрение органов, принимающих кредитные
решения; осуществляет оформление и выдачу кредитов; осуществляет
сопровождение кредитов; выявляет проблемные ссуды и проводят работу по
их погашению; инициирует разработку методологических документов.

Кредитный портфель представляет собой остаток кредитной задолженности по
балансу коммерческого банка на определенную дату, то есть совокупность
требований банка по кредитам, которые классифицированы на основе
определенных критериев. Структура кредитного портфеля Банка
«Первомайский» (ЗАО) за последние три года рассмотрена на рисунке 4.
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ffff030000000000

Рисунок 4 – Структура выданных кредитов Банка «Первомайский» (ЗАО), тыс.
руб.

3.2 Оценка кредитных продуктов предоставляемых юридическим лицам

Основной упор при кредитовании делается на работу с юридическими лицами.
Основными видами кредитов, предоставляемых банком, являются: кредит на
пополнение оборотных средств, овердрафт, кредиты на покупку оборудования
и транспорта, кредиты на приобретение коммерческой недвижимости, кредиты
на развитие предприятий, уступка денежного требования.

На рисунке 7 отражены данные о кредитах, выданных юридическим лицам
Банком «Первомайский» в 2005-2007 г.г., в зависимости от сроков
предоставления. эти данные.

Наибольший объем выданных кредитов юридическим лицам за исследуемый
период был предоставлен на срок от 6 месяцев до 1 года. Так,

лицам, составила 2,29%, а в 2007 г. их прирост составил 97,34%.

Наименьшими по сроку выдачи являются кредиты, предоставляемые на один
месяц, при этом их удельный вес за исследуемый период, составил менее
0,5%.

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000f001040007000000fc020000a78500000000040000002d010400050000000902a7850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Рисунок 5 – Структура кредитов Банка «Первомайский» (ЗАО),
предоставленных юридическим лицам, %

Необходимыми документами для получения кредита юридическими лицами
являются:

– правоустанавливающие и юридические документы;

– финансовые документы и бухгалтерская отчетность;

– хозяйственные и иные договоры, связанные с деятельностью бизнеса;

– правоустанавливающие документы;

– иные документы.

Сроки принятия решений о выдачи кредита юридическим лицам составляют от
трех до десяти дней. Выдача кредита осуществляется в форме
единовременного предоставления кредита или в виде кредитной линии. При
использовании автокредита для бизнеса и коммерческой ипотеки возможно
приобретение нескольких транспортных средств или объектов недвижимости
одновременно.

Предоставление кредитных средств возможно до перевода оборотов в банк.
Кредитование на приобретение коммерческой недвижимости – это специальная
программа банка, позволяющая получить кредит на покупку ликвидной
коммерческой недвижимости: торговых, офисных и складских нежилых
помещений расположенной в Краснодаре и Краснодарском крае. Залогом в
этом случае выступает приобретаемая собственность. Важно отметить, что
обязательным для банка условием является право собственности заемщика на
земельный участок, или договор долгосрочной аренды, срок которой
превышает срок предоставляемого кредита не менее чем на 1 год.

При определении процентных ставок по кредитам банк руководствуется
принципом, в соответствии с которым процентная ставка определяется
уровнем риска по кредитной сделке. Процентная ставка по всем формам
кредита составляет не менее 15%. Срок погашения задолженности по кредиту
«Сезонный» – до девяти месяцев, по всем остальным видам кредита – до
трех лет. Порядок погашения кредита устанавливается в виде аннуитентных
платежей, согласно гибкого графика, при этом возможно предоставление
отсрочки погашения основного долга.

Преимущества кредитов Банка «Первомайский» для малого и среднего бизнеса
являются:

Особой формой кредитования юридических лиц и индивидуальных
предпринимателей, зарегистрированных в Краснодарском крае, является
микрокредитование, которое предоставляется на пополнение оборотного
капитала и приобретение основных средств. Целями программы
микрокредитования является предоставление краткосрочных займов малым
предприятиям и расширение и развитие микропредприятий.

Программа предусматривает поэтапное предоставление займов, условием
перехода на следующий уровень является своевременная уплата процентов,
возврат займа и отсутствие пролонгаций. Данный кредит в Банке
«Первомайский» предоставляется на срок до 36 месяцев, а сумма кредита
составляет не менее 20000 руб. Процентная ставка для всех видов
микрокредитования одинакова и составляет 17%.

3.3 Оценка кредитоспособности заемщика

При изучении кредитоспособности заемщика банка основной целью является
оценка способности и готовности заемщика полностью и в срок рассчитаться
по своим долговым обязательствам. При оценке клиента Банка
«Первомайский» необходимо установить его юридический статус, оценить
репутацию заемщика по отношению к своим обязательствам в прошлом и
произвести анализ экономической состоятельности. Кредитоспособность
заемщика прогнозирует его платежеспособность на ближайшую перспективу.
Оценивается она по системе показателей, которые отражают размещение и
источники оборотных средств, результаты хозяйственно-финансовой
деятельности заемщика.

Финансовое состояние предприятия характеризуется широким кругом
показателей, в совокупности определяющих надежность фирмы как
потенциального партнера. Важно определить, разумно ли распоряжается
компания своим имуществом, как это отражается на размере получаемой
прибыли и её использовании. Существует несколько групп финансовых
коэффициентов, по которым кредитный специалист может судить о состоянии
дел потенциального клиента. Расчет финансовых коэффициентов,
используемых при оценке кредитоспособности заемщика – юридического лица
в Банке «Первомайском», рассмотрен в таблице 1.

Таблица 1 – Финансовые коэффициенты, используемые при оценке
кредитоспособности юридического лица в Банке «Первомайском» (ЗАО)

КоэффициентФормула расчета коэффициентаБаллыКоэффициент отношения суммы
кредита к собственному капиталу(Сумма долга по действующим кредитам +
Сумма запрашиваемого кредита) / Собственный капиталот 0 до 0,3 – 8
баллов

от 0,3 до 0,5 – 5 баллов

свыше 0,5 – 0 баллов Коэффициент покрытия ежемесячных взносов чистой
прибыльюСреднемесячная чистая прибыль / (Сумма ежемесячных взносов по
действующим кредитам + Сумма ежемесячных взносов по запрашиваемому
кредиту)по действующим кредитам + Сумма ежемесячных взносов по
запрашиваемому > 2 – 8 баллов

от 1,5 до 2 – 0 балловКоэффициент соответствия доходов и расходов за
анализируемый периодЧистая прибыль – Расходы + Сбережения на начало –
Сбережения – Прочая дебиторская задолженность + Прочая кредиторская
задолженностьесли модуль не превосходит чистой прибыли, то 10
балловКоэффициент текущей ликвидностиВсего оборотные активы / Всего
задолженностьот 1 до 1,2 – 8 баллов

свыше 1,2 – 10 балловКоэффициент рентабельности продаж (продукции)Чистая
прибыль / Валовая прибыль (для торговли)

Финансовый результат от деятельности / Выручка от реализации (для
остальных видов бизнеса)от 0,09 до 0,15 – 2 балла

свыше 0,15 – 5 баллов Коэффициент долговой нагрузкиСумма кредитов к
погашению / Выручка от реализациидо 30% – 5 балловКоэффициент покрытия
обязательств30 * Заемный капитал / Среднемесячная выручкаот 90 до 120 –
5 баллов

П2, А3>П3, А4П2, А3>П3, А4

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