Lending is the primary business activity of commercial banks to make a profit. Revenue from new lending operations offset the float cost deposits, the cost of supplies, sales and management costs, cost of capital, cost of floating tax on the types and costs of investment risk.The more economic development, loans of the commercial banks is rising fast and loan type as inert so incredibly diverse in most of the world's leading developed countries, lending by commercial banks has moved gradually from short term loans to long-term loans. Short-term loan sector in favour of the market for financial account-currency supply. In contrast, in most developing countries, short-term loans still make up larger parts of long-term loans, stemming from the lack of a safe place for the long-term investments (including the principal agents such as growth, inflation, etc.)In some developed countries to date, when a bank was established and in operation, the primary concern and it is often for one loan, and invest. In these countries, for future lenders what do bother more, if not the most important issue. While in developed countries the situation is reversed. The problem posed to banks not to issue loans, which have higher income and not safe. Even those fears such kind of practice has not left since most of them had the market share definitely and issue of safety which the law guarantees. What they care about is how mobilization is more and more money for the investments available.Lending by commercial banks, broadly as commercial bank credit, is a complex field and regularly updated according to the changes of the economic environment. To understand it, we need to learn the key features of it.Loans are a form of credit, under which bank loans given to customers with a sum of money to use on the purpose and given time as agreed with the principle of having both the interest rate and pay Rome erupted.
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