Njengoko kumiselwe yi iindleko ezipheleleyo-mboleko kwaye yintoni

Ekuhambeni kwexesha lethu isithuba ulwazi izele iingcebiso malunga mboleko kakuhle. amaziko Banking ukupapasha omnye ngaphezu kwezinye iimeko. Noko ke, eyona nto ibalulekileyo kumamkeli kwemali - olusebenzayo wenzala - ngokufuthi luphazanyiswa iinketho nomtsalane ngakumbi.

Kodwa ekugqibeleni, kuba sisixa semali ehlawulwa ebhankini, waba ingongoma ivame emva kokuba uyihlawule. Ukongeza, le nto kubaluleke kakhulu ukuba oosomashishini ngamnye kunye nemibutho. Kuxhomekeka kukuvela kwiintlawulo ezithile kwixabiso mboleko, wenza up iindleko zemveliso kunye neenkonzo.

Njani na ukubala iindleko zizonke -mboleko. Yintoni na nemimiselo ngoku?

Ngokobalo ngempumelelo umyinge wenzala? Kude kube kamva nje, akukho ngokuvumelana wayengekho umba. Nawuphi na umbutho ogunyaziswe ubuchule nako kupapasha inkonzo mboleko. Amaninzi ikunika iipesenti ezincinane kakhulu, maxa wambi kumda nge ingqondo kwaye izinga mboleko. Noko ke, kamva afika ukuba iintlawulo zokugqibela ngamaxesha amaninzi ngaphezu ubukhulu ebhengeziweyo.

I-Bank of Russia ngo-2008, waya kulo mba kwaye zamkelwa uxwebhu kwi ngowuphi obeya ityala amaziko ukubala esi salathisi. Ngoku, ukuze sibonakalise kakuhle iindleko ezipheleleyo-mboleko, lowo olungumgubo kufuneka isetyenziswe.

Ngale ndlela, le nkqubo uye kulawulwa, yaye, nangona ibonelela ezinye ezinxaxhileyo, bengengabo eziluhlobo esisiseko.

Ziziphi iintlawulo ziqukiwe ixabiso letyala. Qwalasela lo mbuzo ngokucacileyo ngaphezulu

Okwangoku, i olusebenzayo umyinge wenzala iquka iintlawulo zilandelayo obolekayo:

- isixa, yazise njengenxalenye intlawulo mali yinqununu mboleko;

- isixa; kuqaliswa ngeenjongo intlawulo inzala kwimali-mboleko ;

- Commission lokubuyekeza isicelo kunikezelo mboleko okanye iimali-mboleko (esetyenziswa kunqabile okanye abe umlinganiswa ezifihliweyo);

- Commission for akhawunti yebhanki (yemali, utshintshelo-akhawunti yomntu wesithathu, njl);

- Commission ezisetyenziswa kunikezelo amakhadi yekhredithi: iindleko ikhadi, iintlawulo zenkonzo yawo yonyaka njalo njalo.

Kodwa lo luhlu ayiphelelanga. Iindleko ezipheleleyo letyala kwiminyaka yakutshanje ekhula iintlawulo kwi-inshorensi yobomi lo mboleki okanye uxanduva yakhe kulungiselelo izibambiso. Kufuneka wathi ngale ndlela iibhanki bayeke umngcipheko zabo phezu kwamagxa zabathengi. Noko ke, abamkeli mboleko rhoqo ngokululama uvumela le migomo. Ngapha koko, imali efunekayo.

Yimalini eyokulungisa ayiqukwanga? Central Bank iye yaseka iqela kweentlawulo, nto leyo ixabiso letyala alichatshazelwa. Nazi ke:

- iintlawulo-non ukungathobeli imiqathango yeso sivumelwano semali- ezifana CTP, njl.;

- nezohlwayo ebekwe kwi-lokungathobeli yomboleki kunye ngokwemiqathango yesivumelwano;

- iintlawulo ezenziwe inyathelo lo mboleki, ngokuqhelekileyo - kuba imali ikhomishini intlawulo kwangethuba ukulungiselela ulwazi kwindawo engatshintshiyo ye-akhawunti ekufakwa kuyo imali, i-Commission for ukuqaliswa okanye ukurhoxiswa imali;

Kwezinye iimeko, uluhlu wanatyiswa ukuquka iindleko zilandelayo:

- Commission on kwemicimbi lwemali, ukuba isivumelwano engange;

- Commission for Iintengiselwano olwenziwe namanye amaziko credit;

- intlawulo zokumiswa imisebenzi.

Iindleko ezipheleleyo-mboleko Ukrainian lunee ntlobo ezahlukeneyo yobalo kuxhomekeke kubungakanani kweentlawulo. Ukuba obolekayo eyeka phezu utshintsho ngamaxesha athile kumaxabiso zabo, imali mboleko umiselwa mali ubuninzi kunye imiqathango yembuyekezo. Ukuba ukhetha i intlawulo seyothuliwe rhoqo, ngokuqhelekileyo ngenyanga, zibalwa kwezi zizathu.

Ezibonakala umboleki elula iya kuba nako ukubala zonke izixa abeya kufuneka ukuba ahlawule. Eneneni, mhlawumbi, kuvela ukuba amanani yakhe iya kwahluka ebhankini. Kwaye, kakade, ecaleni ezincinane. Ngoko ke kungcono ngale ndlela ukuthelekisa ekunika yeebhanki. Akukho ngaphezulu.