types of securities in banking

types of securities in banking. Main types and their brief characteristics

1. The bonds.
The types of securities in banking with the debt obligation issued by the owners under certain conditions, with indication of the fixed interest income, depending on its face value. Banking bonds may vary in the following varieties:
Bearer or nominal.
Collateral or without collateral.
At maturity are non-recurring or посроковые (series).
Floating or fixed interest rate.
-The convertible capital or ordinary.
2. Promissory notes.
Bank promissory notes, by and large, are deposits loans of banking institutions. The Issuer (in the case of a Bank) undertakes to pay to any holder of the notes specified in the document of the amount at the expiration of the term of repayment of the loan. Promissory note can be used as a charging instrument, a means of payment (including in case of crediting). Currently in commercial banks, the most popular are:
Bills of exchange with the indication of a third party (the debtors, guarantors, etc.)
Promissory notes, with a one-sided obligation of repayment of the debt in the specified term.
3. The bill of lading.
The types of securities in banking, representing a transport document with the terms of the contract on sea carriage of certain goods. The holder of such securities may to dispose of the goods at its discretion.
In the main types of bills of lading are divided into:
Linear, which determine the documented agreements directly between the holder of a bill of lading and the person who carries out transportation of goods. In other words, it is a kind of receipt, property confirmation.
Charter bill of lading confirms the reception of cargo to the preparation of the documents on фрахтовке of a vessel at a specified time.
Coast bill of lading is issued when receiving the transported goods at the warehouse, with the marks of loading and unloading.
On-Board is identical to the shore of lading, but with the conditions of the loading of goods transported on a ship, with the indication of characteristics of the goods.
Order - it is a valuable document, issued in the name of the bearer, is considered to be the most common type of securities in case of sea transportation of cargo.
4. The shares.
These securities of the Bank are issued to the holder with fixing the rights of the shareholder, after which the owner of shares can receive on them the dividends, to participate in their management (purchase, sale, transfer, exchange, etc.). To date, these securities Bank securities are considered to be the most profitable and accessible to private investors. Bank shares can be ordinary or preferred shares.
5. Cheques.
In this form of Bank documents indicate the disposal of the owner of the cheque by the Bank, by which he can receive an agreed upon in the earlier contract amount in the specified time interval. Bank cheques may be registered, ордерными or bearer. The Issuer may be a legal person, which has in the Bank's own funds, and the beneficiary another legal person, who is issued a receipt.
6. Savings certificates of Deposit.
These types of securities in banking may also be registered or issued to the bearer. Savings certificate is to certify the amount of the contribution, which has contributed to the Bank, the investor, with the schedule of payments and interest, stipulated by the Bank. This type of Bank document can be used as collateral when applying for a loan, it can be devised heirs, used for storage of medicines during long trips, as well as be calculated between individuals.

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