Imisebenzi kwiibhanki zorhwebo kunye nentsingiselo yawo. Eyona engundoqo yimiyalelo umsebenzi kwiibhanki zorhwebo.

I-Bank iyunithi noshowo lwemali. Ngokwemiqathango ezezimali, lo mbutho usebenza njenge umlamleli kwi nokungena kwemali evela umbolekisi ukuya mboleki kwaye ukusuka abasasazi abathengi. Kuba iibhanki, obabuthandwa exchange kabini nokuqalisa namatyala uhlobo ngokungagungqiyo yetyala mboleko, nto leyo kulungisiwe. Commercial Bank yinxalenye ngokwenkqubo yesikweliti kweli lizwe, equka i-Central Bank, amaziko amatyala kunye namasebe yeebhanki amazwe.

Iibhanki babe ukubaluleka ezizodwa, ingakumbi, babe kuba yindlela sentlawulo, ndimkhulule zibe ejikeleza. Ngaphezu koko, ukuba iibhanki ukuthwala imali kukuyeka ejikeleza. Ngenxa yesi sizathu, kufuneka kuqatshelwe ukuba iibhanki ziboleke karhulumente kwezoqoqosho Russian Federation, ukuphucula lwalo lokukhawulelana nophuhliso. Imigaqo ye ukuba imisebenzi yabo yorhwebo zeebhanki ilala into yokuba lo mbutho usebenza kusetyensiswa izixhobo ezifumaneka kwiimeko wobudlelwane emarikeni zabasebenzisi benkonzo. Ngenxa yoko, neebhanki zorhwebo ukuphumeza umsebenzi wabo ngaphakathi kwimida eseleyo imali kwi -akhawunti ye-correspondent iintlobo ukuqeshwa kwakhe. Ukuba nokwenzeka yokwenza olu hlobo lomsebenzi, njengoko imisebenzi ezibalulekileyo kwiibhanki zorhwebo, Kakade ke, ekhoyo.

Enye into - umyalelo ethile imisebenzi ezithatyathwa utyalo-mali-mboleko. Amathuba imisebenzi enjalo emibonweni kwangaphambili isakhiwo Sheet. Le imeko ifuna lombutho yomsebenzi onzima ukukhethwa imithombo ukudala izibonelelo zabo. Asebenza ngaphakathi ngezibonelelo ephakanyiswe iintlobo ukufikelela iibhanki kuphela nje ezimbalwa. Le ezimbalwa imibutho ngetyala kufuneka zibe kumgangatho ophezulu kakhulu lokuzimela ingeniso kwezoqoqosho Russia, lo gama kuqinisekiswa yokuhlawula amatyala ayo.

Imisebenzi kwiibhanki zorhwebo sele mbambano. Le misebenzi yeebhanki zorhwebo azimisele yokukhuthaza credit-mali kumsebenzi yezoqoqosho ngeentlawulo phakathi kwizifundo zomthetho nezibambiso iintengiselwano. Ngaphezu koko, akukho mathandabuzo into yokuba iibhanki zorhwebo umsebenzi umisela ukuba ezi mibutho, kunye Imfuno emandla kuluntu ngetyala kufuneka yenze imali kwezoqoqosho kunye nokudala inkuthazo eliphezulu-odolo ukuqokelelela mali ngokwesiseko-nkqubo kwesithintelo losetyenziso ngoku. Iibhanki kufuneka akhokele nkqubo imali eyayiza aqhelane neengxaki namhlanje. Ekubeni imisebenzi eluhlobo broker ezemali, iibhanki ukwenza imisebenzi uhlobo nomlomo izivumelwano zokuthengisa izibambiso ze akhawunti naphezu imiyalelo ye client yakhe. Imisebenzi beebhanki yorhwebo wabonisa kwiindawo zalo msebenzi.

Ngenxa yoko, ibhanki uqhuba iintlawulo yahlulwe ngamaqela amabini amakhulu - active and passive. imisebenzi kwisixando sokwenziwa ukujonga imithombo yemali kunye nohlobo lwemisebenzi zemali yebhanki ubudlelwane ukutsala imali kungena iibhanki, ukudalwa oovimba babo.

uhlobo esebenzayo yokusebenza imisebenzi ibhanki ejoliswe ekwenzeni inzuzo kunye nokugcina yokuhlawula amatyala. Ezi ntlobo iintengiselwano zebhanki ziquka: iidipozithi, imisebenzi liboleke abanye, kunye nemisebenzi mboleko accounting. Iidipozithi ke imali leyo senziwe ebhankini. Bona zigcinwa kwi-akhawunti yebhanki esetyenziswa ngokuhambelana ngqongqo imithetho zebhanki eli lizwe. Kunye needipozithi zeemali ezikhuphekayo xa kubonakala kunye ekwandeni kwamanye neemfanelo ibhanki - oku navuswa nokuvuswa imali, kodwa iipropati ezingezo-idipozithi. zebhanki zabo kuthatha ngohlobo mboleko okanye kwintengiso kwetyala kwiziko kwiimalike zemali. Ezi jikelele lwabasaqala kwiibhanki zorhwebo.