Lwemali ukuma yebhanki njengesiqinisekiso kukuthembeka kwayo

Isiphumo bhanki kwindawo yokuqala unxulunyaniswa "umdlalo" echanekileyo ngeranti. Kwaye ekubeni lo mdlalo, kusoloko kukho umntu a angalahlekelwa nto. Nakuba kunjalo, kwimeko ye-Bank, unesifo ngokwakhe nabathengi nje kuphela, kodwa. Ngoko ke, umtyali-mali, njengaye nabani na, kufuneka sibe nomdla koko lwemali isikhundla ebhankini, kuba kuyo ziya kuxhomekeka ilahleko kunokwenzeka ezinxulumene utshintsho isantya sonaniso. Kwaye ichaphazela zonke Isiphelo sakhe!

Ngoko ke yintoni na imali kwindawo amazwe, kwaye ichaphazela indlela ngobuchule kwimisebenzi yebhanki yakhe?

Okokuqala, oko lulwahlulo amabango kunye namatyala, ibalwa elahlukileyo iintengiselwano kwemali kunye ngalo uvelisa. Kulo mzekelo, iya kuvulwa ize ivalwe. Vula lwemali indawo kuthetha ukuba imali ethile le asethi lwemali kunye namatyala musani awafani, ie, xa kukho utshintsho ngeranti yayo, ibhanki iya kuvela ingeniso okanye ilahleko. Ukwahlula elide elifutshane nevulelekileyo currency sikhundla. Ukuba lwemali indawo - elide, iingxelo ezifunyenweyo ze ibhanki idlula akhawunti, okt uya kuzuza ukwanda okunanisa lwemali amazwe, kwaye isiphukuphuku - xa uwe. A indawo elifutshane, nayo, iquka malunga ngqo: liabilities ibhanki ukuba abatyalwayo yayo lidlula iimfuno abanamatyala zalo, ngoko ke kuluncedo ukuba ukwandisa, kunye nokwehla.

Abaninzi, Kakade ke, ngoku ndicinga ukuba ngcono currency foreign position yavalwa; ningabi naxhala naziphi iingozi, nangona kunjalo, njani ngoko ufumana ingeniso ephezulu oyifunayo? Kakade ke, lo ngeniso lentelekelelo, apho kukho umdlalo yokuluka kwi ngeranti kwaye akukho izinzile. Kodwa musa sukela ukuxhalaba, kuba urhulumente lilawula ubuninzi bobungakanani indawo evulekileyo ebhankini, ngokuxhomekeke kwisixa-asethi zayo. Ukongeza, ibhanki unomdla kwenkcazelo eyiyo umngcipheko lwemali, ngoko, iliso utshintsho kwiimeko zemarike.

Enyanisweni, nkqu zihambe imanyumnyezi ibhanki iya kuchaphazela njengoko umxhasi wakhe yabatyali-zimali, ngenxa yokuba nkqu kulo mzekelo, idipozithi yakho kuhlawulwa kuwe ngeendleko-mali ebekelwe bucala ibhanki okanye kugunyaziswe. Ngaphezu koko, ngokuqhubekayo iBhanki esweni iingqikelelo malunga nemiba weerhafu exchange, nabo usebenza. Kwakhona wayethwele recalculation rhoqo kwindawo evulekileyo kwindawo closed esebenzisa neemfanelo translation and asethi olunye yokuqala lwemali zijikwe ngokukhululekileyo, yaye ngoko ke lwemali kazwelonke. Ngo-2012, i- Central Bank of Russia iye yasekwa ukuba amazwe indawo evulekileyo ayikwazi igqithe ubukhulu lwenkunzi ibhanki leyo ngaphezu kwe-10%, kwaye isixa izithuba ezivulekileyo - 20%.

Njengoko kubonakala kula manani, ukungasithakali lwemali angenziwa karhulumente reguliruktsya, yaye imeko apho asethi namatyala yi lwemali are lingana omnye komnye, kuxhomekeke ingqalelo ekhethekileyo, ngoko ke abaxhasi iibhanki ' Ngokuqinisekileyo akukho ngunobangela ixhala. Nangona kunjalo, funda xa uzonwabele ngomhla zebhanki, iingozi exchange angaphandle kunye neendidi ezikhundleni yebhanki lwemali kuwe kuba ukuba umntu ayinakukukhathaza?