Formation of iphothifoliyo izibambiso, iimpawu tyalo kunye nemisebenzi zebhanki utyalo-mali kweli cala.

Enye ngemisebenzi nayiphi na ibhanki Yimali. Imisebenzi Investment ye ebhankini lowu kuxwebhu ethile, nto leyo igcinwe kwiziko lamatyala. Kakade ke, elo qhinga yebhanki zakhe zotyalo-mali ichaza kuphela. Zonke izibonelelo ezingundoqo ezimalunga inkqubo yotyalo-mali, abhalwe ebizwa ngokuba yi-Imemorandam bank kuyo utyalo-mali.

Kujongwa Imemorandam iqulethe izibonelelo ezifana: eziphambili Bank xa utyale imali, ukuyilwa izibambiso i portfolio of ebhankini, umlinganiselo kweeyunithi ze izibambiso ezahlukeneyo kwi investment portfolio. Ngaphezulu, kufuneka kuqatshelwe ukuba memorandam nakanjani kuyimfuneko ukubonisa isicwangciso ngenxa yenkqubo efana ukuyilwa iphothifoliyo izibambiso, uhlobo kunye nenombolo, kwakunye nenkqubo yokusebenza kwazo. Ngaphezu koko, kufuneka kuqatshelwe ukuba uxwebhu ikhankanywe apha ngasentla, iziko lamatyala, kuyimfuneko ukuba ukhankanye uluhlu abantu abanegunya ngokusemthethweni ekuqwalaseleni ukufunyanwa izibambiso kwaye ukutshintsha inkqubo ukuyilwa iphothifoliyo izibambiso. Ngelo xesha, iinkokeli amaziko amatyala, vuma izibonelelo ezingundoqo imiyalelo asebenza ibhanki kwaye basebenze inani elithile labantu. Onke amalungiselelo sisebenza kwi ebhankini, kufuneka lujoliswe ekuphuculeni inkqubo yotyalo lombutho ngetyala.

Iidipozithi yeziko lamatyala ngokhuselo ziye zohlulwa ngokwendidi ezintathu ezinkulu ngokuxhomekeke kwiinjongo zabo uthenga. Eli ligalelo kwi into namalungelo oluntu ethengelwe ezithengiswayo ngale ndlela ilandelayo, ngoko kukho ukuyilwa iphothifoliyo izibambiso xa eneenyanga ezintandathu. umbono olandelayo - igalelo into umbuzo, iphepha yathengwa ngokukodwa iinjongo zotyalo ze igcinwe kwipotifoliyo ebhankini ngayo ngaphezulu kweenyanga ezintandathu. Ngaphezu koko, isenzo efanayo kuxoxwa ngazo iphepha ukufunyanwa apho ibhanki unyanzelekile ukuba akhuphe ingxelo zokuthengiswa emva kwexesha elithile. Oku mfutshane yenkqubo efana, njengoko ukuyilwa iphothifoliyo izibambiso.

Negotiability of izibambiso kucacisiwe ngumthetho. Le mbono icebisa izivumelwano okuqukumbela kweepropati yoluntu-esemthethweni ezichaza utshintsho amalungelo obunini kwi into ekuthethwa bezomthetho. Ngenxa yoko, theory umthetho zonke izibambiso iintengiselwano linika unyango elide, kodwa ke kuphela emva kokuphela ukukhutshwa. Noko ke, nokumisela amanyathelo ingqalelo kukubekwa izibambiso mhlobo uphawu njengoko amanqanaba kwiPalamente kwakhona ibonisa ukuba le yokuhlukana of izibambiso komoya izakhiwo by phambili imicimbi yomthetho yoluntu. Ukuba sithethe indibaniselwano kweekhonsepthi ezimbini, kusenokwenzeka ngenxa ukungafezeki umthetho olawula bezomthetho. Sekunjalo, isibheno ingqalelo uhlobo lwako, kufuneka ziqondwe izivumelwano imvume endalo yoluntu, ebandakanya kwinguqu esa amalungelo wezindlu kwipropati emva kokukhutshwa.

Iimpawu ze izibambiso eziqulathwe ukuba elulwelo, okt kukho ithuba elililo kakhulu ukwazi ipropati yabo nangaliphi na ixesha. Paper - uxwebhu, nto leyo ibonisa ukuba ubudlelwane impahla kunye capital ichaziwe. Into ekuthethwa ngawo ibe nje ngohlobo loxwebhu, kodwa athathe ifomu kweerekhodi. Phezu ntetho yephepha, kufuneka bangenise iinkcukacha kunye kakhulu iphepha ezixabisekileyo kufuneka yayinendlela yomthetho. iimpawu uphawu izibambiso ethathelwa ingqalelo sikuko yokuba angaba izinto kwinqanaba likarhulumente kulo, kwinqanaba likamasipala, izibambiso kwezifundo ze Federation kunye neshishini. Paper abe abanaluncedo kwi ingeniso kwezoqoqosho, kwaye wasebenza emalikeni.