Terraforming Market

Banking services

Directory of companies providing banking services in the field of municipal administration

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Let's explain what's what

This is a type of investment activity for the acquisition of property and its transfer on the basis of a leasing agreement for a certain fee for a certain period under certain conditions stipulated by the agreement, with the right to buy out the property by the lessee.
The subject of leasing can be any non-consumable things, including enterprises and other property complexes, buildings, structures, equipment, vehicles and other movable and immovable property that can be used for entrepreneurial activity. The subject of leasing may not be land plots and other natural objects, as well as property that is prohibited by laws for free circulation or for which a special procedure for circulation is established.

Financing of concession processes

Analyzing the current system in housing and communal services, it will be advisable to gradually move to ensuring the financing of housing and communal infrastructure to a greater extent at the expense of private investors. The main tool for achieving these goals will be the implementation of the concession model of the organization of the utility market.
A concession is a system of relations between the parties, one party is a concedent, which can be a state or a municipal entity, the other party is a concessionaire, which can be legal entities or individuals. The relations of the parties are formed on the basis of the current legislation and the contract between the parties. As a result of a public-private partnership, the concessionaire gets open access to a monopolistic market for services with constant demand.
The objects of concession agreements in housing and communal services can include municipal infrastructure systems and other public utilities, including water, heat, gas and energy supply facilities, wastewater disposal, wastewater treatment, processing and disposal (burial) of household waste, objects intended for lighting the territories of urban and rural settlements, objects intended for landscaping.

Lending for business in the housing and utilities sector
The participation of state and interstate development institutions in the implementation of investment programs of the housing and communal services industry, as well as energy efficiency and energy saving projects, should contribute to the most balanced and adapted solution of urgent housing and communal services problems. Commercial banks can also participate in these programs, both by providing settlement services to enterprises and companies, and by "integrating" adequate volumes and terms of lending into financing schemes for technical re-equipment of the industry carried out by state and international banks.
Technologies for lending to municipal infrastructure include:
  • investment programs development
  • institutions
  • WEB programs
  • energy service contracts (energy supply contracts)
  • credit policy of the EBRD and the IBRD
  • public-private partnership
Billing is the process of determining the cost of the services provided or issuing an invoice for the services provided. In practice, this means the transition to a new payment scheme based on the participation of interested parties in the RCC (RSO, CC, administration) and the use of a single receipt. The advantages of modern billing systems are: cloud solutions, reduced costs, integration with GIS utilities, easy migration.
Support of capital repair contracts
Maintenance of repair contracts allows you to reduce the possible risks associated with the quality of work, compliance with deadlines and other aspects within the contract, thereby eliminating the need for the parties to independently resolve disputes.
Deposit is the result of the bank's activity as an intermediary in the credit resources market, which is the funds of individuals and legal entities that are deposited to the bank for a certain period or on demand. The deposit itself has a dual nature and under normal conditions can be not just cash on the account, but capital at the same time for both the depositor, who receives income in the form of interest, and for the bank, which places these same funds in active operations at a higher interest rate and receives its income in the form of margin.
Investment products
Investment products are a group of financial instruments with different terms, payments and risk investment profiles, the value of which is linked to a number of underlying assets.
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