Ходаківська В.П. Ринок фінансових послуг
.pdf* 21 * « » 20.12.2001 ., B 2908-III, -: / " $" " , -$ % % " . @ " , ( ! ! , . 7.11 . 7 * « /" ».
+ 7.11.4 7.11 7 * «/" », ! ! %, -$ « » 7.11.1, " % % - " ( " $ ) , % " " ( " ), " $ ! !.
+$, 7.11.3 7.11 7 * « /" » $/, ) " " « » " , "-, , ( !, .
K " $", " , " $ " /" ", ! , / " " ! !.
* ", " -! " " "" $ ( " " " , -! " !.
? !, ! $ ! $ % ! % " ,( ! ! .
> / ! $:
$ ! " , ! " $" , ) , ! " ! % " . K $ ) " / -( ! 30 % ! " 15 %). , - " % " / ! . ? ! $ , " " ;
$( " -
/ " «$» ( ;" ! "-
!( " " " , $ $%, ) / " " . K , , ! " ’ $ .
X $ ( , * " « -» , - $" " ! / .
> " * " $ ! « » , ) " / " - " ! .
K " $", / $$ " " -$" " " — " " % ".
K " " $ " "( ’/ , " " ! - ’ , /" ! .
6.
+ ! " " ! -( " ) , $" ( ", ( ! " ( " ) , $" ( ", / I, % ’ % $ , ! -" .
’ ! -" , " , !:
151
% ’ ( ! " " % % ;
$ " " " -" " % % ;
$ $ ;
! % " ) " - % %;
% , , ( ! ) , " / " " , ( ! )%, ) $" $" " / , , ’ % " $ ! , % " !;
$ " ! " - " ;
" " -%, ! " " ;
" , , ( " !.
? " " " 28 2007 . B 78 « " ( ! " " " ».
? . 6.3. ( ! " - , .
" , " "" ! " " , $/ !-! % " . + % ! I -.
"
+ ! % "B 1 / " -! ", / I
+ ! % " B 2 / " - ! " , / I
+ ! % " B 3 / " - ! " , / I
*
"
I7 " ( ! "-, D 7 !
*
+ ! % -/ -" ( ! -" , / I
"
0
. 6.3. & ( ! "
’ , ! " , !, ) $! -%.
/ % " %- ! , $" " ) ( " ) , $" ( ", " .
152
@ " % / / " -% ( " ) , $" ( " ( — ).
$ ’ ’/ " , $ * " « ( "- ) , $" ( "», ’ -, % ! , ) ! " " , ! , , ) " ) / $.
& / $ , " - ! ( " ) "" " , $ * " «( " ) , $" (- "» % / " " " .
> % " ( ( "- , ) - ! ! ! , " " , % / -( , ) / ! ! ," ( ,( ) " * «( " ) , $" ( "».
7. O
"$% ! $ $$ 2002 * « » 20 2001 , B 2908III. ! " ! 12 " " % " .
:
/ ! ! . K " / " ( -, % !( $! $ , ) $! - % " % ! ;
$ ) ! !( , - ) % ;
) % " $$! ! " , ’/ « " », !( % " ’/ ," ;
$ , ) ! !, ) "$ $ $," - , ( ! " .
! 2007 -:
—% — 43 %;
—) — 31 %;
—$ — 15 %.
—, & % — 8 %;
—— 3 %;
#*:5 5&,/.'>' 7':,7A!..5 *,5:B.'/", &)!*1".1; /7,:'& *'3,:B.' 6#7)'0#*1"1 .16&9 6#- ;'*,0 ')>#.,6#3,2.'-7)#0'0'>' /7)5(90#..5.
* " , $, " , % ( ! , " ! %-.
K , , 19 * « », " !, % " " " % " -
153
. > $/, ) " " / % ! % , $ , $ ) . +$, 21 ! ) -! ! $. @ " ,% $, ) « ( ! , " $ -" ", / ! ». , ! , ’ " " % , " ! " " ! , )$ ! . + ! % K "$" " -, % K " " .
& "$ ! ( " " ) -, $ $ " , ’/ , ( ( % ! " $". > , $, ( / " ,$! , $ , ! " .
, " / " %, "" " $" ( ) -% " , ". % % - ! ( . * , ( ! , — ) ! -’/ ! " , ! $ $. $" -) ! $ $.
, ) % " " " 5 *« »21 * « » . "% / .
!" I
1. 0(!9 ("!.0 3 ).07'( !; #$)' A:
1)!! $ ;
2)’$ ;
3);
4)" ’$ ! .
2. 3$: (: ).07'( !; #$)' R.% (%A(: 3 ( )'+ ! !" '+ #.' 2'# +:
1)! ;
2)! ;
3);
4)! !.
3. .07'( #$) ("!.9A(: 3 # 7 ( " . ?0 3:
1), $! ! " ! !;
2), 50 , ! ;
3), 100 , ! ;
4), $ ! $ ! !
.
4.!1/ . ).07'(%, 7 !&! !7 !/% ,$0 % ).07'( !; #$)', 0 /!80 #0.0"'6%" (' … " 7- !() " " 7 ;; ) # ($%:
1) 10;
2) 20;
3) 30;
4) 40.
5.7/ (: ).07'( !; #$)' " 7 @ )% #!$3& A " (!/%, 6! "! 0 17 4 9A:
1) |
; |
2) |
# , " ; |
3) |
; |
4) |
. |
6. , (' #!8'",!&! ).07'(%" 3 * 1', '+ ! @ ).07'( #$)' )! )%.%9(: 1:
1)- " ;
2)" ;
154
3)" ;
4).
7..!$! & 2 3 ).07'(% — #.!7!"80 3 (0./ % #!"0. 0 3 ).07'(% ?$3+!/:
1) $ ; 2) !; 3) ; 4) ! $.
8..!/ 7 :) ).07'( % ( !" , 3) !@’A7 %A 7!@.!"$: '+ 1 7 + &.!/ 73 7$3 - 7 3 "1 A/ !; / (0.$: !; 7!#!/!&':
1) $! ;
2) ;
3) " ;
4) ! $.
9..' $)" 7 2 ; ).07'( !; #$)' 1$'?!) )!?( " .010." !&! ( 7!7 ()!"!&! ) # ($% #- $3 .!1. +% ) " 1 ,$0 /' #$)' ( ?'/' ).07'(!. /' 1 . +!"%A(: 3 7!:
1) A E ! ;
2) ;
3) ;
4) ! $.
10.+(! 0 /!80 @%(' #.'/%?0 '4 " (%# (' 7! ).07'( !; #$)', "')$9,0 3 1 ,$0 " 7!1"!$3A(: 3 % "'# 7) +, "'1 ,0 '+ ( (%(!/, — 20 #.' 2'#:
1) ;
2) ;
3) ;
4) ! $.
!" II
11. , " .
12.!! .
13.D $ E ! ?
14.! ! E ! .
15.& ! .
16.. ’ ! .
17.A " ! .
18.B ! ! .
19.# ! .
20..
21./ ?
22.' # ?
23.V B ! ! .
24.Y .
25.B ]$ ! ?
26.' ?
27.B ! .
28.B E ! .
29.! : , -.
30.B ! . & .
31./ ! .
32.C "$ ? W!.
33.@ " " .
34.* .
35.& ! ! .
36.A " .
37.' ! ?
38.< " .
39.@ " ! .
40.!! .
155
!$'*, ! '& %A $K '2''A #.*.C'.1. * #$0+".!.1. ".'* .%/ ' '& *0 2'*$!
+ ! ! B 1
I . 2, 5, 7, 9, 3
II . 15, 18, 27, 33, 40
+ ! ! B 2
I . 1, 4, 6, 10, 8
II . 11, 17, 21, 28, 31
+ ! ! B 3
I . 3, 7, 4, 9, 2
II . 12, 20, 29, 34, 37
+ ! ! B 4
I . 7, 6, 10, 1, 5
II . 19, 23, 26, 30, 35
+ ! ! B 5
I . 2, 3, 4, 8, 9
II . 21, 34, 25, 28, 38
+ ! ! B 6
I . 6, 10, 1, 5, 7
II . 18, 22, 26, 30, 38
+ ! ! B 7
I . 7, 5, 2, 9, 3
II . 16, 21, 24, 27, 40
+ ! ! B 8
I . 2, 7, 4, 9, 3
II . 20, 24, 28, 32, 36
+ ! ! B 9
I . 1, 4, 6, 10, 8
II . 25, 12, 16, 20, 34
+ ! ! B 10
I . 3, 5, 7, 9, 10
II . 22, 15, 18, 27, 33
+ ! ! B 11
I . 1, 4, 6, 10, 8
II . 32, 11,24, 14, 17
+ ! ! B 12
I . 2, 5, 7, 9, 3
II . 13, 15, 18, 27, 33
+ ! ! B 13
I . 1, 4, 6, 10, 8
II . 11, 21, 24, 28, 32
+ ! ! B 14
I . 3, 7, 4, 9, 2
II . 12, 20, 25, 29, 31
+ ! ! B 15
I . 7, 6, 10, 1, 5
II . 19, 23, 26, 30, 35
: 28, 36, 50, 103, 104, 100, 113, 116, 125, 142, 144, 145, 146, 149, 150, 249, 250, 255, 256
156
Òåìà 7
1..
2.D % & ! & .
3.@ .
4.I .
5..
6.! !$ .
7.> ! .
1.
!/@ .7 — , & ' $ ! ! ! ! ) , ! $ !$ (! ! % , ! % D % , « »).
— ! % $ $% $" " ," $ $ ! " % $ / !, ) ! ! , % % ) .
— " " % , " % , ) / " " , / ! " "$.
— " $ ’ !. " (- ") $ ’ ! ( "$) " / -( " % ( " " .
6 ’@ @ — " , ) / ! $! " -% $ ’ "% " % .
!/@ .7 — , ' -! ! , % ! $ (! ! !-« », ! D % & - '& ! & ).
— " % , % " / $ " % , , % " % " % .
% — $% .
% 6 @ — $ $ $ " ($ , " , %. P " / ".
% 6 — % " " % , . ? / ! — " ".
# — " % , " $ -" " ,, " $ , ( .
6 — , / " -! % .
6 — " " ( , $ - , $% .
7 8 — / " ’ -/" «D " % % » ' , $/" " " % , -.
157
2. <
*9$#$! , 6," , *&'00 ( ;"6'(#" ( '&!=$*;"-, E:
1. "#" *-& /"#$# "- ,*$G# , % / ! - " " " " % " ! !
" " " .
2. *<$-#$ B*&="*#$ '+<=$ "#" *-$ /"#$# "- ,*$G#, " "/ $! " / " %" " ," , ) " ! " , % " % -$" " ; / !- -
, !-/ % ) " .
3. *<$-#$ ,&!" "6 7 * 9+'0-$##6 * #,"- /"#$# &-) B& '+9 ,*$G#, " - " / % " -" " % , !( " ) , $" ( ", " " .
$ * " « -», " ! ! ! -, " " ( , " $ " ,! . P " / / -, "$" $ , %" / (($) " " / , $, " -/ - " " / .
% ! " ’ / , " , . 9.8 * « ! ! », !%, ) ! ' " P % " "- " ! ! " " -" , " , "- , " " ! /" , ' , " % , -, " % , " % " " % " " " " .
! " ! "" " " ( ! "$ ’ ' " " . "- " " ! ’/ - % " " " " " " ". , " , " ! ! - ! ! " " , / $ " , / ! %. ( "$ " " .
" ", % % / ! " , / *- <$-#$ ,&!" "6 7 * 9+'0-$##6 * #,"- /"#$# &-) B& '+9 ,*$G#, $/
" ! " " " -% ; ) / $ ( " -" ! " ( !" " ; ! / ! " , / / ) ! !.
D " $ ! " "
:
% / ! " " ( " , ) / ! " " , % / " % ;
/ " " " $" !( " ) " ;
158