Iibhanki zorhwebo - sisixhobo ngendalo okanye zophuculo?

Kwakuthi phezu kuyo umgaqo ayikwazi iyilwe kwiphepha elinye lwesicatshulwa eprintiweyo. Ngoko ke, siya kubonisa ukuba joint-stock bank udandalaziso kwaye zale urhwebo notyalo-mali kwamanye amazwe. Ingaba isoloko iibhanki abaphuhlisa okanye badla zathotywa (ezisithele amaphetshana zentengiso ezimibalabala)? Ingaba bayahlelwa oonyana amaziko yathengisa njengeendaba zangasese kodwa umthengi? Ngaba ekhoyo ukongamela Central Bank of imisebenzi yolawulo aphezulu ibhanki yorhwebo?

Izibane Quick indima macroeconomic

Uqoqosho lwehlabathi esilawulwa kwindlela yogcino enamanqanaba amabini, ikhokelwe engundoqo egcina imali karhulumente. Inqanaba lokuqala kwiibhanki zorhwebo - arhente nemiba ngemiba yezemfundo ye-nemeko yoqoqosho. Phantsi kwenkokhelo kunye nentsebenziswano kunye Central Bank of lizwe olwenziwe imisebenzi kwiibhanki zorhwebo. Iveliswe currency (cash and noncash). Woqoqosho umsebenzi kwiibhanki zorhwebo uboleka kumashishini ngamashishini nasemakhaya. Bephantsi kolawulo Central Bank of lizwe wenziwe Ukuguqula imali yelinye ilizwe. Ngamanye amazwi, iibhanki zorhwebo - i "workhorse 'yale nkqubo yezemali, ngenxa yokuba avelise inxalenye enkulu iinkonzo zolawulo lwemali iyonke uqoqosho, nokugcinwa iingxelo ezininzi iinkonzo zabo.

"Abantu ababi" ulawulo amazwe. yesu lakhe

ifomu Joint-stock lombutho of yorhwebo iibhanki Ngokufuthi kubandakanya ukuthengwa esibondeni elawulayo kwiimbumba zebhanki angaphandle enkulu. iimarike zethu, beza ngenxa amazinga aphezulu umdla - isikhonkwane engundoqo imali "cheap" kunye "oluziindleko". imali yethu - super-eninzi. iibhanki zethu zorhwebo - a Klondike yokwenene ingeniso kwimali-mboleko. Masithi commercial "A" yibhanki kunye kwimimandla uthungelwano amasebe 500, kuye kwaba "intombi" iqela logcino amazwe. Indlela ukuqwalasela eziyimiqobo kunokwenzeka kwinkqubo yogcino lwasekhaya? Ukufeza ukuthengisa, kubalulekile ukuba kusekwe imigangatho yolawulo eyaneleyo ngentlawulelo ezimbaxa propati.

Ezimbi xa ukubawa lidlula italente

Bank - isakhiwo-ethe, kwaye oko kufuneka kuphuhliswa kunye nolawulo olwaneleyo. Ngesizathu esithile, iiBhanki ezingoovimba kuvunyelwa ukuba akhukuliswe ethengiswayo. Le ingongoma ebalulekileyo kakhulu. kuhlela kwiibhanki zorhwebo - usongo ukuthembakala kwenkqubo yogcino-mali. Apha onke amaqhinga ezilungileyo, umzekelo, iindleko eziphezulu kwerente. Kulo mzekelo, umphathi langaphandle ufumana yonke into kufuneka - iingeniso elifutshane-term. Kodwa abaphathi angaphandle musani ukucinga malunga ngengqibelelo kwinkqubo yethu yebhanki, kunye kwindawo yabo noxanduva ingqamana ixesha lesivumelwano. Oku, ngengozi, kuyingxaki ngamazwe.

Musa ukulibala ukuba iibhanki zorhwebo - abaqeshi ezinkulu, ngokubonelela amakhulu amawaka ingeniso yosapho. Kodwa eyahlula abasebenzi yebhanki "A" abaphangeli, yaye "intombi" oneengxaki, ukulahlekelwa omnye "workhorse" phakathi kwamasebe awo. Kwaye apha yibhanki yethu "A" ekupheleni kwekota kunqunyulwa 20 ezinjalo ofisi. Ebudeni beminyaka emithathu yomsebenzi kuphela isiqingatha ofisi ziya kuhlala inzuzo elungileyo. Apho Central Bank? Yena uyangeneka.

Iimpawu ukuwaphatha zobungcali

kugxininiswa kakhulu kulawulo yenzuzo ngenxa ucamba amazwe kufuneka ibe injongo yokunciphisa nomtsalane lwamaxabiso ibhanki yakhe. Umgaqo iirhafu non-zisiba ukuba kakhulu bargained xa ukuthengisa mbutho. Ngapha koko, iibhanki basekhaya zorhwebo - isakhiwo ukuba ekuqaleni akufuneki aziwuthi ubulunga bayo.

Ibhanki engundoqo kwaye urhulumente kufuneka abe nomdla kwi sizathu sokuba zonke i iidipozithi ibhanki ngequbuliso baye oneenjongo ukukhumbuza akhawunti zangoku kunye mboleko ziye Injongo non-kukhuphiswano. Yandile sichaze uxanduva lobuqu zolawulo eziphezulu ngenxa kukwehla umgangatho lweerhafu zebhanki kufuneka ziphuhliswe - isiseko sophuhliso yayo ngakumbi iimpawu ezigqithisileyo "ukucudisa" kwezibonelelo zemali ukusuka elunxwemeni, ukophulwa ukuvumelana. Ukuba ulawulo kuye kwakhokelela ekubeni kubekho ukuvuthuluka imeko kwinjongo ibhanki "A", bekuya kuba sengqiqweni ukuba Central Bank kufuneka akumgangatho yokwenene ukusihlangula kuloo meko.

Ekuphetheni nqaku, ndifuna ukuba wazi ukuba iibhanki zorhwebo - eli ziko yonke imihla okanye behlaselwa nzima nzima ukwenza inkqubo-mali karhulumente kwaye ufumane Kwathi.