Роль и место кредитных союзов на денежном рынке Российской Федерации

Abstract

Рассмотрены вопросы роли и места кредитной кооперации на денежном рынке Российской Федерации, обобщен отечественный исторический путь развития кредитной кооперации, уточнены теоретические и методические основы организации деятельности кредитных кооперативов, их сущность, принципы, специфика работы.

Розглянуто питання ролі і місця кредитної кооперації на грошовому ринку Російської Федерації, узагальнено вітчизняний історичний шлях розвитку кредитної кооперації, уточнені теоретичні та методичні засади організації діяльності кредитних кооперативів, їх сутність, принципи, специфіка роботи.

Questions examined the role of credit cooperatives in the money market of the Russian Federation, summarized the national historical path of development of credit cooperation, clarified the theoretical and methodological basis for the organization of credit cooperatives, their essence, the principles, the specifics of the work. Credit unions (credit consumer cooperatives) are non-profit organizations dedicated to mutual financial assistance by providing savings and loan services to their members. Credit unions operate with the aim of social protection of its members through the implementation vzaimokreditovaniya due to their accumulated savings. Based on international practice, credit unions always arises when people were required certain financial services, where these services are either not provided any financial institution, or the services offered on such unfavorable conditions for the borrower.Thus, credit unions represent a financial mechanism through which people through cooperation and synthesis of their efforts, ideas and resources they can get necessary financial services are much cheaper than in the case when one of them tried to act separately from each other.