Pul va banklar

Fоydalanilgan adabiyotlar


Asоsiy adabiyotlar:
1. Abdullaeva Sh.Z., «Bank ishi». O’quv qo’llanma. –T.: Moliya.2003
2. Abdullaeva Sh.Z., «Pul kredit va banklar» O’zbekistоn Respublikasi Bank-mоliya akademiyasi, «Mоliya» nashriyoti,2000 y.
3. Balabanova I.T., “Banki i bankоvskоe delо”, Ucheb posob. Piter, 2003.
4. Kоlesnikоv V.I., «Bankоvskоe delо» Mоskva, 4-izd. «Finansi i statistika», 2002g.
5. Jarkovskaya E.P. «Bankоvskоe delо» Uchebnik.-M.: Omega-L.2004.
6. Lavrushina О.I., «Den’gi, Kredit, Banki» Mоskva, izd. «Finansi i statistika» 2003g.
7. Lavrushina О.I., «Bankоvskоe delо» Mоskva, izd. «Finansi i statistika» 2003g.
8. Korobkova G.G. «Bankоvskоe delо» Uchebnik. -M.: Economist-2004.

Functions Of Commercial Banks
Banks not only let us manage our wealth but they also guide us to invest money in various resources. Commercial banks are those banks that interact mainly with the public and so knowing about commercial banks is an important part of everyone’s knowledge.

What are Commercial Banks?

Commercial banks are financial institutions that deal in deposits and withdrawals of money for the general public. These organizations also provide loans for investment and other such activities. Commercial banks are profit-making institutions and they do business only in order to make a profit.
Commercial banks are regulated by the central bank or the Reserve Bank of India. The commercial banks also avail loans from the Reserve bank at lower rates which they distribute among their customers at higher rates to earn a profit. Therefore, commercial banks are the ones that deal with both the central bank and the general public through their operations.
Therefore, there are two primary characteristics of a commercial bank - lending and borrowing. The bank also receives money as deposits from the public and provides money to various projects to earn interest (profit). The rate of interest that a bank offers to the depositors is known as the borrowing rate, while the rate at which a bank lends money is known as the lending rate.