Kwamatyala iibhanki zorhwebo

Kwamatyala kuthetha ngokoqobo kuzithuthuzela ukuphunyezwa, nto leyo ibandakanya ukuguqulwa lwamaxabiso eziphathekayo sibe yimali angayifumana kwangoko. Kukho izinto ezifana amatyala ale isambuku kwimarike, eseleyo ebhankini kunye nempahla.

amatyala bank Commercial kuthetha solvency yayo. Ibhanki na ulwelo xa ngumthamo opheleleyo imali yayo yonke, nezinye izinto indalo ulwelo ukudibanisa imali evela kwimithombo zalo ngexesha elifutshane yanele ukubuyisela zonke zemali kunye namatyala.

Ukongeza, ibhanki kufuneka ukuba oovimba ulwelo afunekayo ukuhlangabezana neemfuno zemali kusenzeka. oovimba efunekayo yeebhanki zorhwebo ikakhulu nako ukufumana indawo ibhanki xa kuthe yeemeko ebezingaziwa.

ulawulo amatyala bank Commercial kubandakanya amanyathelo asebenzisekayo ukulawula imeko amatyala kunye nokulungela ukuphendula naluphi na uhlobo zokutenxa kwisiqhelo.

Ngethiyori, kwimimandla ekwanti ezifana ilungeniselo iimfuno amatyala weBhanki ezikhutshwe yi-mboleko imfuno lokuhlawula, non-ukuvuselelwa mboleko, ukwandiswa imisebenzi zezenzi, nokukhutshwa kwezatifikethi ebibekwe kuye, intengiso iinxalenye ezithile yepotifoliyo izibambiso, ukuphunyezwa kwe-mboleko evela Central Bank.

Ukugcina uzinzo ibhanki kufuneka uqhelane othile wendalo engamanzi. Kulindeleke ukuba imitya ezingalindelekanga ezibangelwa yimiba eyahlukeneyo lwangaphandle nangaphakathi.

Kwamatyala iibhanki zorhwebo kuxhomekeke imeko yezopolitiko kweli lizwe, iinyaniso yezoqoqosho ukusuka kurhulumente, imeko zonke kwiimalike zemali, ukuba kungenzeka ekukhutshweni kwemali Central Bank, imarike izibambiso karhulumente, ukuphuculwa komthetho yebhanki, ukuthembeka umxumi, uhlobo kulawulo ebhankini, obespechennostisobstvennym eyinkunzi njalo njalo. Izinto.

iibhanki Central elawula amatyala kweebhanki zorhwebo ngokusekwa imingcele liabilities zebhanki ngaphaya ityala umboleki nganye, ulawulo phezu kunikezelo mboleko ngomlinganiselo omkhulu, inkqubo mboleko kunye reserve olugunyazisiweyo inxalenye ethile imali ebolekiweyo, umgaqo umyinge wenzala, izibambiso imisebenzi kunye nabanye. Russia solvency iibhanki zorhwebo kuxhomekeke kwakhona ummiselo.

Ukwenzela ukugcina amandla okuhlawula amatyala kweebhanki kufuneka ukuqikelela iindidi kunokwenzeka meko nokurhoxa idiphozithi "kwimfuno" kunye needipozithi elithi "zisebenze", ekukhuleni kwemfuneko-mboleko kunye nezinye izinto utshintsho kwi imeko yezoqoqosho.

Ukulawula amatyala ngaseludinini kufuneka amisele kakuhle asethi namatyala. Ukuza kuthi ga ngoku, i-akhawunti azotywe iitafile ukufumana ukuba yeyiphi yinxalenye liabilities mazifakwe kwinqaku akhawunti lulwelo esebenzayo ukwenzela ukuthintela ukwehla kule ratio amatyala.

Kwamatyala iibhanki zorhwebo kuxhomekeke ngobume assets zayo. Kuxhomekeka ubulula iguqulelwe asethi zemali ngaseludinini zahlulwe zibe ulwelo kunye illiquid.

impahla kulwelo kwi ukulungela nangoko. Oku ngu eyilwayo kwemali, qala-class, amatye anqabileyo, izibambiso karhulumente, ezo mali kwi -akhawunti kumnxulumanisi kwi Central Bank.

imali Ulwelo kwi kulahlwe ebhankini, kwaye inokujikwa ibe imali, oko mboleko kunye iintlawulo ebhankini ukuze kwinyanga kakhulu enye; izibambiso ngokuqhelekileyo ezithengisekayo; Amanye amaxabiso (kuquka ii-asethi ezingaphathekiyo).

asethi Illiquid - kuba Amatyala athandabuzekayo; mboleko kwako; utyalo-real estate, izakhiwo kunye neendawo elunxwemeni; izibambiso kuhlu.

Kukugcina amatyala ngaseludinini akakwazi imali kwi elifutshane kunye lithetha ulwalathiso ixesha elide.

Kwamatyala kweebhanki zorhwebo (umgangatho) kweli isiko yinto kuvavanywa ngokuthelekisa ukusebenza amatyala wayo olusekwa Central Bank of nemimiselo Russia.