Inkqubo Credit: imiba yayo ephambili kunye nemigaqo yokusebenza

I "Indlela credit" gama kuthathwa ziingcali kumanqaku ezininzi iimbono. Kwelinye icala, oko kubandakanya onke amaziko amatyala kumanqanaba ahlukeneyo, ababandakanyeka kubonelelo ngeenkonzo zebhanki ezahlukeneyo. Kwelinye icala - yinto iseti imithetho kunye nemigaqo apho yonke ukusebenza kwenkqubo zebhanki.

Okwangoku, ngokwenkqubo yesikweliti phantse onke amazwe kuquka amanqanaba amathathu ezisisiseko. Inqanaba lokuqala iquka yibhanki eyongameleyo okanye belizwe. Iqhuba umsebenzi lolawulo ngapha kwabanye amanqanaba, ukongeza, ebhankini unelungelo yokukhupha imali. Oku kuthetha ukuba inoxanduva lokulawula Isibonelelo semali ejikeleza ngaphandle kweBhanki. I-Central Bank liqhuba ngomnye weyona misebenzi ibalulekileyo: libandakanywe yokugcina koovimba. Kwezinye iimeko, inika mboleko ukuba uluntu amagunya okanye kwiibhanki zorhwebo ukuba kuthoba iiyunithi, kwaye ubeka izibambiso karhulumente. Inkqubo credit yahlulahlulwe ngendlela yokuba i-National Bank kunye nomsebenzi karhulumente kunye ukufezekisa ezithile iinjongo, kodwa zange kuchaphazela umdla omnye komnye. Umzekelo, ibhanki iphambili lizwe liphumeza imisebenzi eyenziwe yi kuRhulumente ekubhekiselelwe kuyo kumgaqo-nkqubo wemali karhulumente.

Inqanaba lesibini ngokwenkqubo yesikweliti bobabo yeseti kwiibhanki zorhwebo. Eyona njongo ephambili yolu umsebenzi wabo kucingwa ukuba ukwenza ingeniso kwimali eliphezulu. Oku kwakhona umahluko ephambili yibhanki eyongameleyo, njengoko imisebenzi yayo ifakiwe ummiselo kunye nolawulo. amaziko Credit eziluhlobo ashishinayo isiseko yonke inkqubo yebhanki, njengoko benza njengabalamli phakathi kwabantu kunye norhulumente. Ngokutsho ingcamango kwezoqoqosho, ibhanki ngengqiqo ngokupheleleyo ilizwi, kuphela isebe kuqwalaselwa, nto leyo elenza imisebenzi ezintathu ezinkulu: idiphozithi, intlawulo, ngetyala. Yibhanki eyongameleyo ngokwengqiqo yalo, isigqibo sokuba akhuphe ibhanki ethile mvume. Kodwa ke yokugqibela zange babe nelungelo ukwenza imisebenzi yabo ngaphandle kwephepha-mvume, oko kukuthi, nayiphi intengiselwano ziya kubhengezwa njengento elilize nengekhoyo.

inkqubo Russian credit busenza ukuba ubukho kwinqanaba wesithathu, equka amaziko zemali ezikhethekileyo. Ngokuqhelekileyo, ezi mibutho ezifumene linelungelo lokungalwenzi iintlobo ezithile ngezabelo zeentsebenzo, kodwa ke ibhanki ebizwa ngengqiqo epheleleyo abakwazi. Kwabo amaziko ziquka imali yomhlalaphantsi, i-inshorensi kunye neenkampani ingqesho, utyalo-mali kunye nentlangano yokonga. Ngenxa yoko, ngenxa yomsebenzi wabo ziquka iinkonzo ezithile zebhanki. Umzekelo, umbutho imali iibhanki zidla wadala kodwa njengento esecaleni ngenjongo lokwandisa imali zabemi kunye ngokutsha ngohlobo iigranti mboleko, unikwe qho elifutshane. ixesha elide imboniselo yokubolekisa libe nokuthathelwa ingqalelo njengoko mali yomhlalaphantsi, njengoko ixesha elide aqokelele imali kwi imeko lwentlawulo ngamaxesha kwixesha elizayo. Kodwa okoko nje ixesha elimiselweyo ongezanga ukuba utyalo mali ukuba ilahlwe ngokwengqiqo yabo, umzekelo, ngokubonelela mboleko.

Eli candelo libe kumanqanaba likuvumela ukuba kufezekiswe amaziko ezikhoyo zemali, leyo lula kakhulu inkqubo yolawulo phezu kwabo. Noko ke, asingabo bonke amazwe inkqubo yezimali kunye ikhredithi wahlulwe kumanqanaba amathathu eziphambili. Abanye abantu bakhetha ukubalaselisa kuphela ezimbini zokuqala, kuxhomekeka kumlinganiselo sophuhliso zoqoqosho lwelizwe. Ukongeza, inkqubo le kwilizwe ngalinye uneempawu zawo. Umzekelo, kwi-US kukho icandelo likarhulumente ibe amazwe ahlukeneyo, kunye nemeko ngamnye obekwe yibhanki yayo engundoqo. Ngenxa yoko, inkqubo American ngetyala kwinqanaba lokuqala kuquka iibhanki yesizwe 12.