Under the lease is usually described as long-term lease of machinery and equipment, or lease of machinery and equipment purchased by the landlord for the tenant to their productive use, while retaining ownership of them by the lessor for the duration of the contract. In addition, leasing can be regarded as specific form of capital financing through the bank (a specialized (leasing) company) who buys for a third party property and gives it the property is leased for long-term period. – factoring operations. Factoring – this assignment to the bank (a specialized factoring company (firm)) outstanding debt claims (payment documents, bills, etc.) that occur between producers and consumers in the process of selling goods and services. At the heart of the factoring transaction is buying a bank (the factoring company) payment documents for vendor products shipped performed work and services rendered, and provider of factoring the transfer of the right to demand payment from the buyer. Factoring can relate to assignment of arrears or payment requirements at the time of their occurrence, ie, urgent payments. Factor (the bank) collects the receivable in the payment of the amount the provider bills – immediately or as repayment of debt by the buyer by a certain date. The most common immediate payment, essentially consisting of short-term financing provider for the service of transfer of capital from the commodity-form into the money.
Buyer returns the duty factor (the bank) after the deadline in whole or in parts in accordance with the contract – dealing operations – operations on purchase and sale of foreign currency. Dealing carried out on his own behalf at its own expense or at the expense of other persons accordance with the requests of these persons. He is represented by the following forms: purchase and sale of natural persons of foreign currency, as well as non-cash foreign currency that is stored in the accounts of individuals; purchase and sale of foreign currency from legal entities. – Transfer operations of banks – is the operation of translation of foreign currency or gold from one country to another. These operations are the same as the transfer of ownership of registered securities (stocks, etc.) one person to another, whether through endorsements (endorsement). To transfer payments also include all payments made by the State (represented by the Government) citizens (pensions, unemployment benefits, compensation payments to people with low incomes) who do not represent any kind of compensation for services rendered to the State the current labor services. – Other operations of banks – operations related activities of banks, for example, storage services, protection of property; information and counseling; charity; numismatic operations, implementation of scientific and technical developments and other banking services, as well as all other types of services inherent specific characteristics that must be considered when developing marketing strategies. However, along with the typical characteristics of all kinds services, banking product has its own idiosyncrasies.
These include the following: 1. Banking services related to the use of money in various forms (cash, noncash, in the calculations). 2. Intangible banking services to become visible features of the property through contractual relationships. 3. Most banking services has a length of time: the deal, how to plant, is not limited to a single act, established more or less lengthy client communication with the bank.