Umgaqo-ngxowa-mali webhanki yezorhwebo yiseko yesenzo esiphumeleleyo kwimarike yemali.

Umgaqo-ngxowa-mali webhanki yoshishino ngumqulu wangaphakathi webhanki, ngoncedo apho indlela ephezulu yokuboleka kunye nemfuno yomboleki ichongiwe, ingqalelo imeko ekhoyo ekhoyo kwezoqoqosho. Umgaqo-mboleko weebhanki zorhwebo unako ukuveza ifilosofi (indlela eqhelekileyo, umgaqo) webhanki yomsebenzi wemboleko, ukuseka isiseko solu msebenzi. Ukuyicombulula le ngxaki, nayiphi na ibhanki yezorhwebo eqhuba imisebenzi yokuboleka imali inenkqubo ethile yokukhupha i-credit fund.

Izopolitiko zikhokelo eziqhelekileyo zokuthatha isenzo kumsebenzi weenkonzo zemboleko zeebhanki. Umgaqo-mboleko webhanki yorhwebo unemisebenzi enje, njengelinye icala, ukunciphisa ingozi engabikhoyo yorhwebo, kwaye, ngolunye uhlangothi, ukugcina ubuninzi obubanzi beentengo zabathengi bemveliso mboleko.

Umgaqo-mboleko webhanki yezorhwebo unenjongo ephambili - ihlawulisa kakhulu amatyala (kunye nokutsala idipozithi kunye neentlawulo) zebhanki kwimveliso yemboleko kwaye ngexesha elinye ligcina igangatho elithile lekhwalithi yeepotfoliyo zemboleko zeebhanki. Umgangatho weepotfoliyo ezibolekwa ngemboleko iyakuthonya, okokuqala, ngemali-mboleko engadluliyo kunye namanye amatyala amabi. Ukugqithiswa kwexesha ityala elingazange lihlawulwe ngexesha, kwaye umboleki-mboleko wemboleki ayizange izaliseke. Iingxaki zetyala linempawu ezichanekileyo okanye ezingangqaliyo zengxaki ngexesha lokubolekwa kwemboleko ngabbolekayo kunye nokuzaliseka ngokukhawuleza kwezibophelelo zabboleki kwiibhanki zemali-mboleko. Imboleko yemfanelo ephakamileyo ngumboleko okhuselekile, okhutshwe ngexesha, ngaphandle kokubangela iingxaki kunye nobunzima kumbolekayo.

Ukongeza, iibhanki kufuneka zigcine izilinganiso ezifanelekileyo phakathi kweengeniso kunye nobungozi. Kukuphuhliswa kunye nokugcinwa komgaqo-mboleko weebhanki ukuba iibhanki zifuna ukunciphisa umngcipheko ngokufumana umvuzo ophezulu ovumelekileyo wokusebenza ngeli xesha. Umngcipheko wekhredithi webhanki yorhwebo uncinci ngezenzo ezinjalo. Ulawulo oluphezulu lwebhanki (umlawuli okanye ibhodi yebhanki) uyamkela umgaqo-nkqubo wesikweletu , ngoncedo lwalo xwebhu igunya lidluliselwa kumphathi ngamnye - umqeshwa weyunithi yesikweletu. Ngokwemvelo, umgaqo-mboleko weebhanki zorhwebo zichaza ukuthatha isigqibo, igunya lokuqhuba isenzo esithile, ukusebenza. Umgaqo-mboleko webhanki yezorhwebo uhlawulela indlela edibeneyo yokusebenza ngetyala, ngakumbi ukuba kukho inethiwekhi yesebe kunye nenkampani yekhredithi. Ngale ndlela, indlela isetyenziswe, umgaqo-jikelele wokubolekisa abathengi beebhanki zorhwebo unqunywe, uhlobo lwekhredithi enikwe, negunya laliphi na ibhanki lokwamkelwa kwimiba nganye, kwaye iinkcukacha zendlela yokusebenza kwematyala zichongiwe. Imfuneko yalo mgaqo-bhanki kukuhambelana nomgaqo-nkqubo weentengo kwiimeko zemarike zangoku. Ukuxhasa umgaqo-nkqubo we-credit yebhanki yorhwebo, kuyimfuneko ukuhlalutya rhoqo kwaye, ukuba kuyimfuneko, kucoca ezo zikhundla ngokusekelwe kuyo. Umbutho wesikweletu uhlaziya umgaqo-nkqubo , njengesiqhelo, ubuncinane kanye ngonyaka. Kwiimeko zoqoqosho, ezihlala ziguquka, umgaqo-nkqubo wentengo uhlaziywa kaninzi. Ngoobani, njengabasebenzi abangenazo iintengo zemboleko, babhekana nesimo esahlukileyo, esingaqhelekanga, kunye nomthengi imihla ngemihla, ubona indawo "engcolileyo" yezopolitiko kwaye unokwenza isiluleko sokuqulunqa. Ibhanki izama ukuqwalasela ngobomi bemihla yesicwangciso sekhredithi ngokusondeleyo kunokwenzeka kwizinto zangempela. Kubalulekile ukuqwalasela ukuba umgaqo-nkqubo weebhanki weebhanki awuphikisana nemithetho yangoku karhulumente, kwakunye nophuhliso loqoqosho jikelele.