Building features and unique modern banking systems

The urgency of the transition to becoming market prospects of the banking system and other lending institutions. The development of these prospects is possible only by studying the functioning of modern operating banks.

At the present time in the pages of the economic press, in discussions on the scientific and practical conferences are widely discussed possibility of constructing a two-tier banking system, as well as restructuring of existing credit institutions.

The process of creating new, restructuring existing banks develop their activities banking associations, unions. However, it must be emphasized that the mechanical changes in the structure of banks without a significant transformation of the nature and activities will not lead to real improvements in their work, and therefore have a positive impact on the economy.

Historical experience shows that a particular structure of the banking system depends on the specific socio - economic conditions. In practice, using different models of the construction of the banking systems in the leading role of the central bank.

Uniqueness of the system due to national traditions and historical experiences of development. Banking systems in different countries, and their organizational structure depends on many factors (subjective and objective), one of which, along with historical and national traditions should include the same degree of development of commodity - money relations in the country, the overall level of economic growth, control methods monetary (direct and indirect) and others.

For example, in the North - Americas, two highly developed countries of the world the United States and Canada, in close proximity to each - other, have opposite approaches to their banking systems.

In the U.S. there are about 12,000 banks in Canada, only 6 banks that have branches and offices throughout the country. Consequently, the issue is not the number of banks per se, but in the number of banking institutions (branches, departments, agencies), serving businesses, organizations and individuals.