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#9 (217) /  2018
 
Melanya HAKOBYAN
THE CHARACTERISTICS OF LOANING IN THE INTERNATIONAL MARKET AND COMPARISON WITH THE ARMENIAN MARKET

Key words: non-cash payment credit, international Bank market, cash, factual loan interest
Cash shopping in European countries had decreased significantly as a result of the development of non-cash loaning system. Nowadays, many countries have developed sale strategies as a privilege for cash buyers, because it is obvious, that shops more or less are tending to shop by cash. The supply of non-cash loans in the Republic of Armenia (Henceforth RA) is not well developed yet. There still are many shops or cafes that do not accept non-cash payment.
While being in a decision making stage of loan supplies, the social status of the individual is not taken into account. Instead, the company’s status and financial resources, where the individual is working, is being studied detailed.
While in Europe, while providing non-cash loans exactly the financial and social status of the individual is being considered, rather than the company where he or she is working. In this case there is a decrease in risk rate.
It can be concluded that the characteristics and the application of loan system is highly depended on the geographical location, political and policy implementation level. However, while making a compare contrast it can be possible to draw a conclusion that these factors cannot retard less risky and profitable supply of the loans.

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