Izalathi si zokunikwa amatyala kunye okuhlawula amatyala bank yorhwebo

Eyona nkalo ibalulekileyo inkampani okanye ibhanki kukugcina ukukwazi layo ukuba bathobele ngokungqongqo ngesibhambathiso sabo ngaphandle iindleko ezongezelelweyo kunye neelahleko ezazichaza ingcamango amatyala.

Igama elithi "amatyala" lithetha lula inguqu ubutyebi zibe yimali. Kwamatyala ephawula ukulungela ibhanki okanye inkampani ukuzalisekisa izibophelelo zemali. Izalathi si zokunikwa amatyala ziquka ngeparameters zobulali eziliqela.

Iimpawu amatyala balance sheet zibonisa imeko yangoku kwindawo ethile lulwahlulo yebhanki ekhoyo impahla ulwelo kunye namatyala ayo. Ngamanye amazwi, oku kubhaliweyo intsalela ubuchule ukuguqulwa kwangethuba asethi indlela yokuhlawula ukuhlangabezana neemfanelo zabo.

amatyala Absolute - banzi ingqikelelo eseleyo amatyala, leyo olwahlula amandla amahlakani ukuzalisekisa iimfanelo okanye ezinye izifundo yonxulumano efanayo. Apha kufanele kuphawulwe ukuba i-Bank ithathwa ulwelo, ukuba ulungelelwano ulwelo. Kodwa ukuqinisekisa okuhlawula amatyala ibhanki leyo ayikwazi kuchongwa kuphela ekuzalisekiseni le meko. Ziliqela izizathu yangaphandle ukuze atshabalalise amatyala ka ebhankini, nokuba unalo ukulingana kufutshane ezifanelekileyo.

Oku kuphuphuma kwiibhanki zorhwebo, kwakunye iseti iimpawu zonke iibhanki phezu kwesi siseko, ukuchaza ingqiqo umyalelo ephezulu amatyala - indlela yokuhlawula amatyala inkqubo yogcino-mali.

Izalathi si zokunikwa amatyala - izakhiwo, ingcamango amaninzi level-, nto leyo indlela yonxulumano ekusebenzeni iinkampani kunye neemfanelo zabo ukuphumeza isiphumo othile, njengoko kwinqanaba ngalinye ukusebenza.

Namhlanje, amatyala yenye isitshixo nezalathisi zoqoqosho zoqoqosho msebenzi, yaye software lixabiso kwingongoma ebalulekileyo kuphuhliso oluzinzileyo kuqoqosho ngokubanzi. Izalathi si zokunikwa amatyala, apho kuxhomekeke kakhulu uzinzo imisebenzi onke amaqumrhu kunye nabantu ababandakanyekayo kobudlelane lemali ungomnye parameters ezingundoqo zempilo kwezoqoqosho. Umzekelo, uphuhliso lakutsha nje kwiimalike zemali kumazwe aliqela kuqinisekiswa imfuneko ephambili ephakamileyo kuphuhliso kwicandelo logcino, kunye nohlaziyo lwe namacandelo ahlukeneyo ezoqoqosho. Uninzi kumashishini amancinane nalawo aphakathi kunye neebhanki namhlanje musa ukunikela ingqalelo ngokwaneleyo ekuphunyezweni kwemisebenzi yayo iindlela zoqoqosho zemathematika uhlalutyo, kwaye inqanaba lolwazi mihla zobuchwepheshe ezisetyenziswa ngabo lisephantsi. Ngenxa yoko - amaqondo aphantsi amatyala okanye elinye iqumrhu loshishino.

Kukwasebenza kwanjalo nolawulo lomgangatho iphunyezwe ezibhankini. Kule meko, umsebenzi ebhankini ukugcina okuhlawula amatyala yayo inzima kakhulu ngakumbi.

A indima ekhethekileyo yaye ebaluleke kakhulu ekugcineni amatyala ebhankini kudlala ibhanki engundoqo. Ukwenzela ukuba kubekwe esweni nokugcinwa neebhanki zorhwebo lwe amatyala abo National Bank nemigangatho esisinyanzelo zoqoqosho: ngokukhawuleza, ngoku, elifutshane amatyala kunye nomlinganiselo ubuncinane asethi yolwelo asethi zizonke.

Imihla yabo ivumela yibhanki eyongameleyo ukulawula ubukho neebhanki zorhwebo isixa-mali ulwelo kangangexesha elithile.

Izenzo ezinjalo ukuvumela ngokwaneleyo ukulawula ngempumelelo le amatyala kwenkqubo neebhanki kunye namashishini, ngokusebenzisa Umlinganiselo reserve esisinyanzelo ubambe kubulawa wokugqibela ekuthiwa-"ummandla yokhuseleko". Ngoko ke, ukuphunyezwa kwe yonke imimiselo nemiyalelo eyenze qhinga umsebenzi iqinisekisa ibhanki yorhwebo kwinqanaba kunokuba ophezulu ukhuseleko kwezoqoqosho, kubandakanywa amatyala.