... of 21%, the cost of borrowing for businesses becomes too high. Companies are forced to abandon debt financing or look for other sources of capital, which limits opportunities for growth and expansion. Outflow of funds to deposits. The high rate makes deposits an attractive instrument for private investors. In conditions of instability, many prefer to place funds in banks where they can receive a guaranteed income. This leads to a decrease in activity on the stock market, as investors avoid the risks associated with purchasing shares at the IPO stage. Problems with company valuation. In conditions of a high rate,...

... it's essential to understand to which category the investment instrument belongs. Different assets come with varying levels of risk. The least risky investments tend to be secure fixed-income instruments that guarantee capital return. For instance, bank deposits and government bonds are typically considered low-risk: the bank returns the deposit amount (within government-insured limits), while a reliable issuer pays the stipulated interest on bonds. Medium-risk levels are generally associated with balanced ...

... their website. Internet Banking. Currency can be purchased at a financial institution at the rate published on the official website. The procedure involves transferring funds from a ruble account to a currency account. Conversion occurs automatically. Deposit is instantaneous. For larger amounts, some banks offer preferential rates. The rates are usually much more advantageous than those at the bank’s exchange point. MMWB. Similar to Forex transactions, exchanges are performed through a broker. However, in most cases, the broker's commission is much ...

... there is no need to make transfers to current accounts. It ensures the fulfillment of obligations. The second tool we plan to implement is a letter of credit. This is another mechanism for protecting against commercial risks. A letter of credit is a bank account where the buyer deposits payment for goods or services. The seller or supplier receives the money only after fulfilling their obligations, such as delivering the ordered fuel on time. The bank acts as a guarantor of the transaction. As a result, the buyer has a guarantee ...

... cryptocurrency issues. In December, CoinDesk reported, citing several insiders, that Goldman Sachs is currently exploring how Bitcoin can be used as collateral for loans to institutional investors—without the need to own the coins. Investors will deposit Bitcoin as collateral and receive dollar loans from the bank in return. In addition to Goldman Sachs, several other Wall Street banks are also working on developing a similar offering, according to the report. "We have probably discussed this with half a dozen major banks. Some will wait three to six ...