Asethi Ibhanki kunye nemisebenzi inxaxheba kwiibhanki zorhwebo

imisebenzi Active kwibhanki zorhwebo kwi imisebenzi yayo engundoqo yenzelwe ukutsala ibhanki iposelwe ukubaluleka net. Oku kuquka: mboleko ukuba imali ezahlukahlukeneyo iiprojekthi zorhwebo, ukufumana izibambiso, kahle ezazakhiwe, kwakunye transactions eyilwayo kunye nezinto. asethi yebhanki lenziwa azakubalulwa iqondo amatyala, kwakunye izidanga ze inzuzo kunye Umngcipheko. Inqanaba eliphezulu amatyala, kokukhona ke inzuzo. asethi yebhanki ngokohlobo utyalo ngokhuselo kunye mboleko ixesha elide, zinika inzuzo enkulu. zikholisa ukuba ingozi ephezulu.

asethi zorhwebo yebhanki zahlulwa ngokusekelwe inzuzo:

- inzuzo: mboleko, izibambiso, kahle, imisebenzi kunye lwemali, ingqesho, njalo-njalo;

- ezingenanzuzo: akhawunti ngezemvelo, imali, utyalo-mali, ii-asethi ezisisigxina, ebangela, kufunyanwa imali-mboleko engenanzala njalo njalo.

Iimpahla simlahle ngezigaba njengoko amaqondo amatyala, oko kukuthi, izinga elo senziwa similise utyalo-mali kunye nemali ekujongwe ukuba ibhanki ukuzalisekisa kwangoko izibophelelo zalo anxulunyaniswa abatyalayo zayo iimali zabo. Ukuze kubonelelwe ibhanki ithuba yonke imihla ukuhlawulela neemfanelo zalo, ubume asethi ibhanki kuphela efunekayo ukuze zihambelane neemfuno ze amatyala. Ukulungiselela le njongo bahlukene, ngokuxhomekeke kwiindidi amatyala nokuvuthwa. asethi yebhanki lungohlulwa lube impahla nemali ekhutshwe amatyala ixesha elide nje ulwelo. Ukuze a yamkelwe kakhulu ziquka: cash equivalents, imali kwii-akhawunti kwi-Central Bank,-akhawunti ngezemvelo, amatyala kurhulumente, notyalo-bonds, kwakunye nemali ifunyenwe kwi akhawunti correspondent kweebhanki ukusuka kumsebenzi nendlela oqhutywa ngayo izibambiso. Ukuba kuyimfuneko ukuba impahla ulwelo lwe ibhanki nga kuyekiswe ejikeleza. Ukongeza kwezi asethi lulwelo kakhulu, eyenziwe ulwelo ibandakanya zonke iimali-mboleko eziye zakhutshwa lwemali amazwe kunye nowesizwe, apho ixesha lokuhlawula umalunga iintsuku ezingamashumi amathathu, kwakunye nezinye iintlawulo kwiziko lamatyala, wathembisa ukuba ukubuyisela kwiintsuku ezingamashumi amathathu. I-asethi ixesha elide iquka zonke iimali-mboleko eziye zakhutshwa lwemali amazwe kunye basekuhlaleni, ukuvuthwa ngaphezu konyaka omnye, isiqingatha kweziqinisekiso eziye zakhutshwa yibhanki ukwenzela ixesha ngaphezu konyaka omnye mboleko engahlawulwanga net-mboleko ukuba aqinisekiswe ngurhulumente, ukhuseleko metal tsala kanye izibambiso. Ubume bale asethi ibhanki iya kuqinisekisa ubuninzi esisiso, lo gama ibhanki kufuneka esweni ngenyameko ukuphunyezwa yeemfuneko amatyala, oko kukuthi, kufuneka ngokwaneleyo engamanzi kakhulu, ixesha elide-ulwelo kunye asethi ulwelo ngokunxulumene namatyala, ngokuxhomekeke kwimigaqo, iintlobo kunye iimali. Kwaye enze imigangatho yangoku, ixesha elide kunye amatyala nje ngephanyazo.

umsebenzi component nayiphi na ibhanki wenza uhlalutyo statistical ukusetyenziswa asethi. Kule uqhagamshelo kukho iseti ethile yemisebenzi:

- uhlalutyo lwesakhiwo portfolio-mboleko;

- uhlahlelo iqondo nxaxheba ngokwengqesho;

- uhlalutyo lwesakhiwo imisebenzi yabo kunye notshintsho kwexesha;

- Uthelekiso ubume imisebenzi iibhanki ';

- uvavanyo ukuphunyezwa mandatory ngokomthetho ubuncinane agciniwe;

- ukuzimisela umgangatho asethi, ingakumbi uvavanyo lomngcipheko ngetyala;

- ukusebenza ngokwamaqela yempahla iqondo amatyala.

I-Bank, kwakunye nayiphi na inkampani umsebenzi ogama oluqhutywa kurhwebo kwezoqoqosho, ojamelene esichengeni. Injongo yalo kulwabiwo-asethi ngokupheleleyo, ukunciphisa iingozi.