Mboleko - oku sisiseko yommiselo emarike emali kunye credit

Enye zalathisi ibalulekileyo amatyala kweebhanki yimeko yeziveliso zayo. Inqanaba eliphezulu zesi salathisi kuthetha ukuba iziko zemali unako ukuhlawula amatyala alo, zombini ixesha zangoku nezexesha elizayo. Xa amatyala, yaye ngenxa yoko ke yokuhlawula amatyala ngaseludinini uwe, wena ufanele refinance. Oku kuthetha ukuba Central Bank kaRhulumente kufuneka aphake imali ezongezelelweyo kubanjiswene kunye nabatyalimali abanomdla.

Imithetho Financial System Stability

Injongo nayiphi na ibhanki central - lixesha lokuba qaphela umsantsa phakathi kwexesha amatyala ebhankini ngayo, ukuhlalutya kwaye, ukuba kuyimfuneko, ukuze sifumane indlela ukuphelisa kuyo. Mboleko - i inkqubo evumela ukuba:

1. Ukuqinisekisa ukuqhubeka kwentlawulo kuqoqosho sikazwelonke ngeendleko nokuqinisa amatyala lebhanki ngamnye.
2. Ukuze iliso imeko phezu kwimarike yemali ngokubeka kwenzala.

Kunjalo, kubalulekile ukuqonda ukuba mboleko - oku umthombo esisigxina-mali ezongezelelweyo ukulungiselela amaziko zemali. Yibhanki eyongameleyo akanamdla ukuxhasa iziko oluvunjululweyo zemali rhoqo. Ngoko ke, nayiphi na ibhanki kufuneka bafune imali ukunyusa ingxowa abathengi ezintsha kunye nabo banezabelo.

siseko engundoqo mboleko elungileyo

Ukuze kuqinisekiswe uzinzo kwinkqubo lemali likaRhulumente Central Bank kulungiselelo-mali ezongezelelweyo namanye amaziko ezemali kufuneka akhokelwe malungiselelo alandelayo:

• A umda kwangaphambili abolekise.
• Mboleko yeebhanki kufuneka kungqinelane-nkqubo eyamkelwe lawulo wemali.
• Needs kwiziko lemali kufuneka abe amatyala kwi-Central Bank kunye ukuze abe nako kwixesha elizayo ukuze ahlawule imali mboleko.
• Ukufumaneka yobonelelo ethembekileyo mali ezongezelelweyo.
• Ubukhulu oluchanekileyo mboleko ehambelana ixabiso ngummeli wowona ulungileyo.
• ngeke ibe ngaphantsi kwaleyo isaphulelo umlinganiselo ekufuneni imali.

iintlobo mboleko

Mboleko - oku ithuba lokugqibela yeebhanki ezininzi. I-Bank of yesibheno xa zonke ezinye iindlela ukutsala imali ezamahala ziphelisiwe, yaye ityala kubaxumi nangoku. Kukho iindidi ezimbini ezisisiseko mboleko: zolawulo ezithile. I yokuqala izixhobo zemali abasisigxina asetyenziselwa esweni imeko kwiimalike zemali. credits ezithile asetyenziswa ukuzinzisa le meko kunye nokungabikho amatyala kweebhanki ezithile. Central Bank ukuba agqalisele imarike nayo repos ezisetyenzisiweyo kunye segazi.

Indlela eminye

Mboleko - le yinkqubo leyo imi ngolu hlobo lulandelayo:

1. Ibhanki onengxaki solvency.
2. CB ihlaziya meko yaye enze isigqibo ukunika imboleko, umzekelo, i $ 10 yezigidi ngonyaka ngamnye.
3. ibhanki Commercial unika imali kwetyala ukuze abathengi phantsi ipesenti ephezulu ngaphezu rate ekufuneni imali.
4. Emva kokuphela ibuyisela 10 yezigidi ne-Bank of premium.
5. Evela kulo msebenzi ziya yabiweyo kwakhona imali kwaye zinokuphucula yokuhlawula amatyala ibhanki yakhe.

CB ayisebenzi nabantu ngqo, njengoko kule meko kuya kufuneka ukuba babeke iliso izigidi ababoleka imali encinane. Ngoko ke, iibhanki zorhwebo asebenze njengabalamli phakathi kwabo nabantu abaqhelekileyo.

rate mboleko

Ngokutsho uMthetho Federal "Ngomhla Central Bank of the Russian Federation", i-Central Bank kubonelela ngemali eyongezelelweyo ixesha elithile zibuyiswe amaziko ngetyala ukucombulula iingxaki zabo yokuhlawula amatyala. Izinga mboleko - sesona sixhobo apho kolawulo inzala iidiphozithi mboleko. ukuhla yayo kuluncedo kubaboleki, ngelixa abatyali ukulahlekelwa yingxenye yengeniso yabo. Mboleko olwenziwa umntu ozimisele okanye ekhethiweyo ngokusekelwe iindlela kwimarike rate.

Ukwabiwa ekhulwini

De-2010, inani lemali, nto leyo ithathwa njengento njengenkcitho, elingana nexabiso ilandelayo: ekukhutshweni kwemali izinga * 1.1. Ngoku ke inkalo yesibini inyukile 1.8 ukuya Ruble yokuboleka. Ukuba ngenye ngexesha ngetyala kwesivumelwano kufuneka kwenziwe intlawulo kabini. Ngokumalunga izivumelwano yelizwe langaphandle, kukho umlinganiselo ekukhutshweni kwemali ayisetyenziswa. Inqanaba eliphezulu ukuba kungathathwa isantya sokuqukuqela - 15%.

Iindawo isicelo kunye nefuthe

Mboleko yeebhanki ngeqondo ethile Russian Federation kunefuthe kungekuphela ngokwawo amaziko zemali kunye namatyala, kodwa kwakhona kwi ngummi zesiqhelo. Ngokukodwa, ezi meko zilandelayo:

1. Inzala yengeniso irhafu kwi iidipozithi (e-RF izinga ikhowudi Yerhafu imiselwe ku-35% ngaphezu ngesixa ebalwa izinga mboleko).
2. Ukubalwa kwentlawulo zokulibaziseka imali etyalwa kumqeshwa (kuquka zeholide).
3. Ukubalwa umdla ngomhla okanye zokuqokelela irhafu (yenye amathathu ekhulwini izinga emisiweyo mboleko).

Inkqubo bafake Central Bank of kwiibhanki zorhwebo yeyona komlawuli ebalulekileyo yenkqubo yemali karhulumente. Oku ikakhulu kuxhomekeke kuphuhliso loqoqosho, njengoko abantu badla ukuthemba izibonelelo zabo kwiibhanki kuphela xa ngaba uzinzile.