FEATURES OF THE BANK INVESTMENT CREDITING IN MODERN CONDITIONS
The modern economic situation in Russia is characterized by intensive investment activity. Because many enterprises can't depend completely on self-financing, the bank investment credit becomes an important resource in the financial market. In article authors considered concepts of investments, the credit, bank investment crediting. As crediting of investment projects significantly differs from other forms of the credit, the article marked out features of bank investment crediting and stages of its carrying out. It is possible to carry to important features of bank investment crediting: the decision on issuance of credit or refusal the bank accepts on the basis of the project developed by the borrower and the business plan of its realization; the cost of the design credit is higher than the cost of the usual credit; mobilization of the capital of the large volumes possessing a high financial leverage; percent on the investment credit and principal debt is paid for the account of the income from implementation of the investment project. Stages of carrying out bank investment crediting represent the difficult mechanism in which the huge team of experts participates. Their activity consists not only in granting the credit, but also in protection of bank against the risks arising at this type of crediting. At the first stage of bank investment crediting there is an acquaintance of bank to the borrower, an assessment of his solvency, and also risk in connection with granting the credit. At the second stage bank and the enterprise borrower made out and signed the credit agreement. At the third stage there is a credit monitoring. High-quality development of documents in combination with competent credit policy of bank, implementation of the corresponding control procedures will define in total efficiency of functioning of stages of bank investment crediting, and also their quality.