Inkqubo zebhanki njengoko kwicala iphambili rhwebo

Le nkqubo yogcino - ingqokelela yazo zonke iibhanki kwi kuqoqosho lwesizwe. Okwangoku, amazwe kunye ziphuhliswe kuqoqosho emarikeni, loo nkqubo amanqanaba 2 - yebhanki engundoqo kunye neebhanki zorhwebo. Yibhanki eyongameleyo angamelwa njenge iseti namanye amaziko zebhanki ukuba lenze imisebenzi ye-Central Bank. I-Central Bank liqhuba yonke imisebenzi imali - esebenzisa lodwa kwemali yesizwe, iye wenza ngetyala kunye neminye ebalulekileyo imisebenzi. iibhanki zorhwebo buzinze becala mboleko kwaye baqhube imisebenzi zebhanki, kunye neenkonzo zezimali kumashishini kunye nabantu. iibhanki zorhwebo zingahlukaniswa karhulumente, lwentsebenziswano kunye ngokudibeneyo-stock uhlobo ubunini kuyo.

Ngokubanzi, kwinkqubo yogcino - iseti beebhanki yokusebenza, amaziko amatyala, imibutho zoqoqosho ekwenzeni imisebenzi zebhanki. Ukongeza kwezi mibutho, inkqubo logcino iye kwakhona imibutho ezo musa ukwenza nayiphi na imisebenzi zebhanki, kodwa ukunika imisebenzi zebhanki ezizodwa. Umzekelo, kusenokuba kukho amaziko imali ityala, iifemu umthengisi, ii-ofisi zophicotho, amashishini asebenza phezu izibambiso, kwakunye nemibutho esebenza phezu amanqaku egcina imali yaye iibhanki nokunika iinkcukacha ezithile kunye nezixhobo. Yonke le nkqubo zebhanki.

Iibhanki kunye onke amaziko credit ukuba Ngokusebenza rhoqo abathengi zilandelayo:

- izifundo zoqoqosho;

- omnye komnye;

- kunye Central Bank;

- namanye amagunya.

Eyokuqala ingqikelelo emalunga nendlela le sistim logcino kuye kwavela ukuba ixesha lokuqala kumazwe aphuhlileyo-kakuhle kwezoqoqosho - Switzerland, France, Jamani, Japan, USA kunye nabanye. Umzekelo, inkqubo imali e Switzerland - yenye yezona ndlela zinamandla phambili ehlabathini lonke.

Njengenxalenye yenkqubo yogcino-yinxalenye enkulu yenkqubo noqoqosho lweli lizwe. Oku kungatolikwa nenyaniso yokuba inkqubo ngokusondeleyo ukuya ngesifo sephepha, imveliso kunye nokujikelezisa ezahlukeneyo ubutyebi ezingenakuchukunyiswa kunye eziphathekayo. Impumelelo kuphuhliso loqoqosho kweli lizwe ixhomekeke ebhankini kunye necandelo leebhanki ukusebenza.

Iibhanki esebenza kweli lizwe linokuba inkqubo eyahlukileyo - i-enamanqanaba amabini okanye wenze enye. inkqubo emanqanaba-Two uthetha kona - amaziko ngetyala okanye neebhanki zorhwebo - i enye kwinqanaba lokuqala yibhanki eyongameleyo, kunye. Inkoliso yale hlobo kwaye ifumaneka ehlabathini. inkqubo-level olunye inqabile, kodwa yonke into uba ngokwenene xa ilizwe ongenayo ibhanki esembindini, okanye nini, kodwa kweli lizwe kukho mnye kuphela iiBhanki ezingoovimba ezinjalo.

Isantya ubomi mihla kunye rhwebo, inkqubo logcino inemisebenzi eliqela. Iinguqu ezenzeka kule nkqubo, nokuba awunayo elitshisiweyo HIV ichaphazela, njengoko umthetho, lonke uqoqosho. Umbutho kwenkqubo yogcino le isebenze kakuhle, kufuneka uhambisane ngokucacileyo nazo zonke iimfuno kunye nophuhliso kuzo zonke iinkalo zebhanki. Kwaye ichaphazela kwindlela eqhelekileyo yokusebenza uqoqosho kweli lizwe.

Kuba ukusebenza kakuhle kunye nomgaqo-nkqubo ngetyala kufuneka uzinzo kwindlela yokugcina imali. A lijelo apho yonke imisebenzi emali, lelona candelo logcino, kuye kwinkqubo yogcino yonke lujolise.

Elokuphetha sinokuthi inkqubo logcino imfundo epheleleyo enika isikhundla isitali kweli lizwe. Le nkqubo yogcino yinxalenye yoluntu, nto leyo isebenza umthetho kwaye kuxhomekeke kwimigaqo yomthetho.