Депозитные финансовые учреждения

1. Financial institution (финансовый институт) - an institution whose role is to provide for the creation, use, and flow of money.

2. Commercial bank (коммерческий банк) - a privately owned, profit-seeking depository financial institution that serves its customers by accepting deposits that can be withdrawn on demand, by accepting savings deposits, and by making loans.

3. Depository institution (депозитное учреждение) - a financial institution that is authorized to accept deposits that are withdrawable by check.

4. Savings and loan association (S&L) (ссудо-сберегательная ассоциация) - a depository institution that accepts deposits from the general public and lends funds mainly for mortgages on homes and other real estate.

5. Savings bank (сберегательный банк) - a depository institution that accepts deposits mostly from small savers, pays them interest and invests the funds mainly in real estate mortgages and government securities.

6. Credit union (кредитный союз) - an association of persons who are employed at the same firm or are members of the same labor union which sells shares to (accepts deposits from) its members and makes loans to them.

7. Mutual savings banks (взаимосберегательные банки) - depository financial institutions that are owned by their depositors and that, like S&Ls, use their savings deposits mainly to make housing loans.

8. Thrift institutions (сберегательные учреждения) - financial institutions that make long-term loans primarily to households.

9. Commercial finance company (коммерческая финансовая компания) - a financial institution that makes loans to firms using accounts, receivables, inventories, or equipment as collateral.

10. Sales financial company (торговая финансовая компания) - a financial institution that specializes in financing installment purchases by consumers and firms.

11. Consumer (or personal) finance company (потребительская финансовая компания) - a financial institution that makes personal loans to consumers but not to businesses.

12. Financial services company (компания по оказанию финансовых услуг) - a financial institution that offers a range or services that once could be had only by going to several financial institutions.

13. Finance company (финансовая компания) - a firm that does not take deposits but does lend money to individuals and/or businesses at rates higher than those demanded by banks.

14. Trust services (трастовые услуги) - the management of an individual’s investments, payments, and/or estate by a department of a commercial bank in return for a fee.