MANUAL BANKSPHERE PDF

remaining 20 percent require a small manual correction – usually a few .. all three are created outside the bank’s sphere of in uence. Perhaps the most. For example, we believe Banksphere to be a specialized skill but how do we One would be to manually vet each candidate and simply begin. Board members this time were remarkably and genuinely supportive. Mainstream understandings of the appropriate boundaries of the Bank’s sphere ofinfluence.

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Growing welfare of kazakh citizens: Well-being of the population and accession of Kazakhstan to the list. Home Events Economy and energy. Prospects of cooperation of Kazakhstan and Russia in the bank sphere. Medvedev to Kazakhstan in May this year high quality of the Kazakhstan-Russian relations has been noted and necessity of their development for the long-term plan is underlined.

One of points of such cooperation is inter-bank interaction capable to support strengthening of business communications on macro- both microlevel.

Globalization and growth of instability characterizing last decades development of economic, bansphere especially accurately shown in bank sector of economy most sensitive to external factors.

In fact, modern bank is the hi-tech financial institutions, capable to serve any difficult commercial transactions and projects.

Globalization is accompanied by decontrol of bank activities and liberalization of financial market thus erased institutional differentiations between different bankspuere of bank and financial activities: As a result character and competition forms in the financial markets essentially changes. Banks are compelled to compete simultaneously in many segments of the financial market, and not only with each other, but also to other financial institutions — insurance and investment funds, the financial companies etc.

In the conditions of liberalization, it is not only with residents but also with non-residents. On the one hand, liberalization creates conditions for development of a foreign filial network of banks and formation of the international bank business that, naturally, strengthens competitive struggle, but, on the other hand, simultaneously makes active banking mnual consolidation. It leads to increase in quantity of merges and absorption in bank sphere, to expansion and increase in a variety of forms of cooperation of banks among themselves and not bank credit and financial organizations, to growth of bank alliances.

Information technologies play a special role in global changes of bank business.

Recently information systems and technologies were used mainly for automation of gathering and processing of bank information, more rare for planning and control in banks and were considered as means of reduction of manual skills majual decrease in bank costs. Today, information technology became motive power of radical structural changes in bank business.

They overcome space and time, opening banks a round-the-clock exit on any geographically remote markets. Thus, traditional competitive advantages of banks are multiplane, long-term contacts to clients and developed filial network partially lose bankspgere value. There was a new layer of clients, which willingly use the Internet-banking. Nature of dialogue of bank with these clients rather differs from traditional one.

Modern multimedia means provide virtual interactive dialogue of bank with the client which gradually supersedes personal contact with it. International bank business that, naturally, strengthens competitive struggle, but, on the other hand, simultaneously makes active banking capital consolidation. It leads to increase in quantity of merges and absorption in bank sphere, to expansion and increase in variety of forms of cooperation of banks among themselves and not bank credit and financial organizations and to growth of bank any alliances.

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In these conditions banks for the sake of maintenance of competitive prices of services constantly bankksphere for reduction of expenses, introducing schemes of the control of costs and efficiency analysis. At the same time, the desire to correspond to time requirements forces them to increase expenses on introduction of new information and telecommunication technologies, to develop in addition to an existing filial network electronic distributive channels.

The contradiction between aspiration to economy and necessity of large expenses was generated. Bankdphere, who willingly using Internet-banking, nature of dialogue of bank with these bankspgere rather differs from the traditional one. The international bank business that strengthens competitive struggle, but, on the other hand, simultaneously makes active banking capital consolidation. It leads to increase in quantity of merges and absorption in bank sphere, to expansion and increase in variety of forms of cooperation of banks among themselves and non-bank credit and financial organizations and to growth of bank any alliances.

The important factor influencing on bank activities is information and communication technologies.

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In connection with using of new bank technologies experts, expect cardinal changes in mutual relations of banks and clients the next decades. In some western countries these changes have already begun, in particular, with the advent of so-called distance banks. Today, information and communication technologies are more widely used for attraction of clients, financial services are actively offered through the Internet, and physical contacts of banks to clients are gradually superseded by e-mail and communications through computer networks.

It allows to achieve big individualization of the offer of bank nanual and services and to render to their client in any place and at any time by its inquiry.

It is obvious that globalization has rendered essential and not always positive influence on bank activity if to consider this process from a position of interests of national economic system. It is also obvious that all it should form new set of risk forming factors, should render rather essential influence on change of degree of controllability of national bank system and on nature of entering bank system in crisis situations and features of quit.

Issue on communication of globalization and crisis phenomena in the bank sphere deserves independent research. The industries promote standardization of national bank systems and occurrence of uniform, dominating model of bank. Registrations of mnaual notes in the form of securities; dereglamentation of credit and financial sphere and industrialization of bank sector. Clients, who willingly use the Internet-banking, character of dialogue of bank with these clients rather differs from the traditional.

It leads to increase in quantity of merges and absorption in bank sphere, to expansion and increase in a variety of forms of cooperation of banks among themselves and not bank credit and financial organizations and to growth of bank any alliances.

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As it was already marked, globalization is accompanied by decontrol and liberalization of international movement of capital and also development of the newest technologies, allowing performing operations simultaneously in the different financial markets. Financial globalization is shown not only in the raised transboundary mobility of capitals, but also in disappearance of borders between various financial functions.

As a result the basic function of banks, the investment accompanied by creation of workplaces and real assets, is appreciably superseded by financial operations of speculative nature. The behavior of the credit organizations changes against washing out of borders between various segments of the bankspuere market, in particular, between the markets where transactions with short-term securities and the baksphere of long-term loan capitals are carried out.

The crisis phenomena in bank sphere differ the big variety. Occurrence of bank crises can be promoted by lacks of supervision and regulation of bank system. So, unreasoned policy of licensing of banks, weak supervision and low qualification of management of banks has led to bankruptcies of banks in many countries.

By results of the analysis of bank crises spent by experts of the World Bank, lacks of regulation and supervision in overwhelming majority of the countries were one of the main reasons of development of a crisis situation. For overcoming of system bank crisis the state participation in re-structuring of bank system on which carrying out considerable means from the budget and the state off-budget funds are required is necessary.

During re-structuring of the bank systems which have transferred scale crisis, such tools as can be applied: In particular, within the frameworks of Basel Committee on Bank Supervision Standards of estimation of risks, capital sufficiency, baknsphere of the internal control bankephere the credit organizations have been developed.

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Recently, there is a serious revision of these methods in the conditions of strengthening of financial instability. Only regulation and supervision measures to prevent bank crises are difficult, however, some countries, in particular Great Britain and Denmark, have rather positive experience in the prevention of bank crises through institute of bank supervision.

Recently, problem of negative consequences of globalization for bank system, economy and social sphere of the separate countries and the whole regions has become aggravated.

Gradually becomes obvious that degree of openness of national economies should correspond to a level of development of their bank system and quality of functioning of institutes of internal regulation.

It demands the prompt acceptance both on national and at the international level of a series of measures legislative and institutional nature on overcoming of consequences, and the main thing, on prevention of system bank crises. Political Development, Modernization and Transformation: An extended meeting of the Presidium of the Association of Sociologists of KazISS holds strategic research on foreign and domestic policy topics, Kazakhstan social and economic develpment, provides the leadership of the state with prespectives and recommendations.