Home Business Ideas
In the 21st century, home based business is particularly relevant. Anyone, if desired, has the opportunity to realize the most original idea and create a fairly profitable "home enterprise." What…

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What is leasing?
The term "leasing" is derived from the English word "to lease", which means "rent out". Leasing is one of the types of financial services where various funds are purchased through…

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Work for those who are behind ...
It's no secret that the size of pensions in our country leaves much to be desired. Therefore, most people, when they reach retirement age, do not seek to leave for…

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Captive Bank

Captive banks are created by financial and industrial groups or individuals to serve, first of all, their own organization. From English captive translated as “caught”, “prisoner”. Still such banks name pocket. Captive banks are less universal in terms of turnover and customer base. They can serve even a single client – their founder. Profit from banking is a secondary task for captive banks. Their main goal – the distribution of internal funds of the organization, as well as attracting third-party funds.

Captive banks create special targeted programs for their range of clients and provide them with preferential loans.

In Russia, mainly captive banks are used by automakers to provide credit services for specific car models and special programs with very attractive conditions for dealers. In this case, the main goal is the promotion of cars and attracting a larger number of customers, and not profit from interest and circulation of capital. Universal banks, on the contrary, create loan packages, focusing on the automotive market as a whole.

Captive banks carry greater risks than universal ones. So a crisis in a particular industry can directly affect a captive bank, leading to liquidity problems or more serious consequences. Gradually, the captive bank can grow to the size of a universal bank, as exemplified by Alfa Bank.

Captive banks can be created not only in the auto industry, but also in many others. The main advantage of this type of banks is the ability to create a unique offer for each target group of customers.

Company Desheli new technologies in the field of cosmetology
Homeland of the brand Desheli In Israel in 2008 Deshel company appeared, it became famous due to rare natural resources and the latest technologies in the field of cosmetology. Here,…

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Stamps and stamps
Any document relating to the activities of state enterprises, commercial organizations, regardless of the chosen legal form (LLC, IP, JSC), as well as persons providing services in the field of…

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Beat bookmaker
How do you earn, and how do bookmakers do it? earnings on bets Let's give an uncomplicated example. Suppose you bet one dollar and claim that a certain sports team…

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Company site features
Today, your own website for any self-respecting company is not a luxury, but a necessity. Sometimes a lot depends on a properly created site. So, what functions should perform the…

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