Is there a need for the existence of commercial banks along with state ones.

I think there is such a need. Banks are one of the most active subjects of economic activity. They greatly influence the state and development of the economic situation in the country. It is the banks that set the interest rates on loans, mortgages, and deposits. In addition, they have many other financial instruments in their hands that stimulate the development or stagnation of the economy in the country. The state bank can control commercial banks, monitor the legality of their activities. The latter, in turn, can offer clients favorable conditions for cooperation and the conclusion of contracts.

One of the components of a person's success in our time is receiving modern high-quality education, mastering the knowledge, skills and abilities necessary for life in society. A person today needs to study almost all his life, mastering everything new and new, acquiring the necessary professional qualities.