Nkqubo credit

Umgaqo-nkqubo ngetyala beBhanki ubandakanya uluhlu lweenjongo ezingundoqo yamacebo ngobuchule apho abasebenzi kufuneka lusekelwe ekuphumezeni imisebenzi yebhanki engundoqo. iziko ngalinye zobalo ngokuzimeleyo nokuqulunqa umgaqo-nkqubo onjalo, kuxhomekeke iinjongo umsebenzi, kwakunye izinto zommandla, ezopolitiko kunye nezentlalo.

Okokuqala ukuze ufumanise ukuba ziintoni izinto ezifunekayo-nkqubo ngetyala. Ijolise ekuphuculeni umsebenzi lombutho ukuze kuphunyezwe iziphumo zoshishino entle, ukuphucula indlela yokusebenza kwemali kunye njalo njalo. Kakade ke, neebhanki zorhwebo njengoko engundoqo reference point ikhethiwe yokwandisa iingeniso kunye nokwandisa ukuzithemba zabemi, lo gama i-nkqubo samatyala Central Bank linenjongo ukugcina nokuphuhlisa zonke izinto benkqubo neebhanki, amazinga exchange nokulawula izinga lokwenyuka kwamaxabiso.

Credit Umbutho Commercial uhlobo badla, kwelinye icala, nazo zonke iimfuno kunye neminqweno emntwini, yaye kwelinye - ukubonelela ukwanda inzuzo imisebenzi ngetyala. Njengoko sisazi, inzuzo ngakumbi deal, kungona umngcipheko ukulahleka mali yathiywa. Umgaqo-credit yebhanki simisela ulungelelwano phakathi kwezi ndidi oqhagamshelwano phakathi, ukuba ugqibe yi kwinqanaba eliphezulu lobungozi intengiselwano ezithile apho akukho isisongelo ungonakala.

Emva uphuhliso izibonelelo ezingundoqo wolu xwebhu lomgaqo-ziyanikezelwa imvume onke amalungu eBhodi yabaLawuli. Ngako oko, uxanduva ngezigqibo ezenziwe ulala ngalo libhunga lolawulo lesikolo. Ngaphezu koko, amalungu eBhunga kufuneka kwakhona abeke esweni ukuphunyezwa kwe izibonelelo ezivunyiweyo practice.

Kwihlabathi lanamhlanje, iibhanki ezininzi ezinkulu baye kwisigqibo sokuba kuqaliswe eziqhelekileyo iinjongo kunye neenjongo, kwakunye nophuhliso iindlela eziqhelekileyo ekufikeleleni kuyo. Ukulungiselela le njongo, iphekwe uxwebhu eyodwa ebizwa ngokuba "Imemorandam nkqubo ngetyala." Lukhangela iinjongo zehlabathi, Walimisa ke ubuninzi kunye nemali ubuncinane mali waboleka, kwakunye nemiba iintlobo ezithile mboleko ezithatyathwa kakhulu yingozi, ngoko usasazo ayikhuthazwa.

umgaqo ibhanki yeentengo zemboleko iqulethe uqikelelo izibonisi ezingundoqo zemali eziphawula impumelelo zombutho xesha lengxelo. Kule uqhagamshelo kufuneka athathe ingqalelo isixa-mali yakhe, ubukho koovimba eziziisekondari, umzekelo, igama elithi akhawunti idipozithi, kwakunye nemeko yezoqoqosho lizwe ngelo xesha.

Eyona nto ibalulekileyo akummandla wethu uthathwa ukuba umgaqo wolawulo-mali ye bhanki eRashiya, ekubeni isekelwe kuphela uqoqosho kweli lizwe, kodwa imigaqo imisebenzi kumaziko samatyala uhlobo lwezorhwebo. Olu xwebhu luqulethe izibonelelo ezisisiseko, ezo zisekelwe neminye imibutho ngetyala ekuphuhliseni imigaqo-nkqubo yabo. Umzekelo, i-Central Bank icwangcisa isixa loovimba efunekayo, nto leyo echaphazela ngqo lizinga lenzala inzala zonke iintlobo mboleko.