Sibhedlela - a ... Yintoni na ngokuhlanganisa ebhankini? Yintoni elunxwemeni sibhedlele?

"Sanitation" yaye "sibhedlele" - amagama ezibangela uloyiko ebusweni zabatyali-mali ezininzi, ingakumbi ngexesha lombhodamo kwiimalike zemali. Le nguqulelo yokoqobo "yesiqhelo" iphathwa njenge bachache. Ukuba iwise kwenkcazo kwicandelo logcino, oko kungatolikwa nje kuphuculo zemali iziko. Sibhedlela - umntu okanye iqumrhu onoxanduva ukubuyiselwa zilindelekileyo zokusombulula ukusebenza ngokufanelekileyo kweziko lemfundo. umsebenzi kwimo yeziko lwemali akusoloko, kodwa kuphela xa kukho ithuba siphephe yimali, okanye xa iziko zemali yorhwebo ihlelwa njengento ebalulekileyo kummandla othile. Le nkqubo ke bazibone ukuba kwamanzi kwi ibhanki balance ingqamana ukulinganisela kwakhe. Ukusebenza isenzo umiselwa Central Bank Commission.

Umongo Inkqubo kwimo

Undoqo itiphu ukubuyisela ukusebenza ngokufanelekileyo ibhanki kwaye babhenele ekucinyweni kwe-mvume ye-Central Bank. UMthetho Banking ubonelela ukuba xa kuthe ubunzima ebhankini omnye sihlalo kufuneka azise malunga yobunzima-zabelo. sele zabelo Sithathe isigqibo nokuba ngokunxulumene ekunyukeni capital kwiziko lamatyala kwelo khaya, okanye ukuba sivakalise incapacity yemali isicelo enxuseneyo ngenxa yokulungiswa. Ngokutsho kuMlawuli Jikelele we-Arhente Idiposithi Insurance Isayev, ayenzelwe kwafuneka ukuba sijongane nabo ezinjalo kwiibhanki ngezenzo. Kwiimeko ezininzi, ezi iingxaki ezinxulumene ne amatyala ziko-mali, ifihlwe ngenyameko.

Yintoni eyenza sibhedlele?

Njengoko sele kukhankanyiwe, sibhedlele - na umntu okanye inkampani leyo unoxanduva ukubuyiselwa ebhankini, sijamelene neengxaki. Ngelo xesha ukuze bakhusele imfuno abagcinisa. Ngokusesikweni, emva kokuba lenguqulelo lweshishini mali ngamnye kufuneka sibuyele idipozithi yakho. Ngaphezu nkqubo ngokuqhelekileyo kusebenza kuphela ibhanki-kweso sibhedlele, kodwa ke Central Bank kunye ne-Arhente Inshorensi Idiposithi (Idiposithi Insurance Agency). Xa zintswelo ugutyulo kumsebenzi bazimisele, umntu abebenqunyanyiswe Bakhokelindini abanetyala iingxaki ibhanki yakhe. Kwenziwa i amaziko ezibanzi imali ukuze kukugubungela zonke izibophelelo zalo. izibonelelo ezithile nempilo ngokwabo kweso sibhedlele. Uyakwazi ukuthetha malunga mboleko ye-Central Bank phantsi izinga kakhulu eliphantsi.

Tasks Motels and YOSUKU

Inkqubo yokuhlenga eRashiya ibanjelwe YOSUKU. Lomgaqo uthabathe inxalenye yebhanki kweso sibhedlele. Eli ziko zemali (kuba amaziko elikhulu, phezu yayisecicini yimali), okulungeleyo ukuthabatha inxalenye izibophelelo eziphathekayo le yokugqibela. Kungenjalo, ukuphakamisa umgangatho amatyala ukuze kwenziwa ngokusebenzisa umdla abatyali-mali. Xa uxanduva imeko yemali ye ebhankini, esengozini ezikweletini, kuthwalwa liziko zemali, sibhedlele, YOSUKU ithathela kuyo uxanduva ukuyilwa kwento izixhobo ezitsha zolawulo. Emva kokwenza lo msebenzi, luxanduva-Arhente Insurance Deposit isusiwe. litsha Financial akakwazi kuhlala kweenyanga ngaphezu kwama-18. Inokwandiswa iinyanga ezintandathu kuphela ukuba isigqibo siya kwenziwa yi sokugweba arbitral. Central Bank abalumkise kubanjwa okanye hayi kule meko zococeko ethile. Ntoni abagcinisa nexesha elongezelelweyo kwisithuba kwakhona ebhankini, kulula ukuqonda, njengoko iinkonzo iziko zemali kunye nentsebenziswano, le nkqubo ayiphazamiseki.

Ziziphi zonyango ezifumanekayo kwi nokunciphisa amatyala?

Ukungqinelana nomthetho kokuvuselelwa - a oluntsonkothileyo amanyathelo, kufuneka anyuse umgangatho amatyala ibhanki yakhe, ngaloo ndlela yakuba ibasindisile kuyo ezikweletini ukuze igcine mvume. Sibhedlela ngaseludinini - oku isifundo uphumeza nokuphucula imeko yezimali nezoqoqosho onetyala. Ngaxeshanye, wadibana zonke iimfuno abatyalwayo ngeendleko liboleke abanye; lweshishini ngokutsha ityala, nokuthe tye, equkayo. Ukuvunyelwa ukutshintsha ubume bombutho, ezomthetho kunye zokusebenza onetyala. Statistics uthi ekugqibeleni bankruptcies ziya nakukufumana oko ngakumbi. Ukuqwalasela lo mbuzo ngokuba kuthetha ntoni ukuba nokuvuselelwa kweso sibhedlele, kufuneka kunokuthiwa inkqubo zokufunda lubiza kakhulu kwaye kufuna ixesha elininzi neenzame.

Yintoni iqukiwe ingqikelelo kwimeko yesiqhelo?

Ukulungiswa - oku inkqubo ebanzi kakhulu, ngexesha apho imisebenzi ukusetyenziswa kweentlobo ezahlukeneyo. Uyakwazi ukuthetha yokuhambelana imisebenzi kunye ukuvalwa kweenkqubo abangenakubanyusa. It ukhuphe ekulibazisekeni okanye sisivumelwano esitsha kwi inxalenye izavenge xa okuhlawula amatyala. Mhlawumbi kukho lokunye sibhalele-off kwamatyala, ukuba wenza isivumelwano jikelele. Ngokuyimfuneko bayiyeka ezifumanekayo kunye ngokutsha asethi olugciniwe. OluHanjiswa ukuthengiswa kwenxenye asethi. Umtyali-mali xa kuthe okunyusa ingxowa-, ithathela kuyo uxanduva lokuhlawula ityala. Uthabatha up ngesisombululo iingxaki ngokubhekiselele izibophelelo zemali. Xa ngokutsha ebhankini wabeka off uyakwazi ukufumana abasebenzi abangabhaliswanga ababandakanyekayo ngqo kwinkqubo kwisimo ngokwayo.

Kutheni le nto kufuneka iibhanki inkxaso kurhulumente?

Uhlengahlengiso & Insolvency - ayikho nje engahambelaniyo, kodwa isenzeko esahlukileyo. Ukuba ungonakala - ukuvalwa ngokupheleleyo yeziko-mali, nto leyo iba ipokotho kuba bonke abatyali kunye nabathengi, kwimo kukuba ukubuyisela impilo lweshishini. format ukusebenza kwiziko lemali wangaphandle ayikatshintshi. Urhulumente Russian, kuquka i-Central Bank, ufuna yayo kwimibandela kwezococeko. Ukunceda nxaxheba ezincinane emarikeni, oko kwandisa ukuthembeka kwenkqubo kwiibhanki zasekhaya. Ukuba ibhanki, ebanjwe kwiimeko ezinzima, kubaluleke kakhulu ukuba le ngingqi, imilinganiselo baso hit oosomashishini, kwaye, ngenxa yoko, kuqoqosho lwengingqi. Okwangoku, esi lenquba yenzelwa eRashiya ngamaziko zemali nje ezimbalwa enkulu abangekho wayezimisele ukudlala indima bevangeli ngokunxulumene neendleko ngemali.

Ngobunzima main

Sibhedlela ngaseludinini - oku ibhanki enkulu amatyala ophezulu, nto leyo ethatha ngebheyile umbutho ziinkathazo. Iingxaki ekusebenzeni recovery ubukhulu becala kunxulumene izenzo ezingachanekanga neyamabamba i-Bank. Bayakuvumela ukuba yokwenza izinto ezingekho mthethweni, okanye akhawunti wabo nempahla imvelaphi ezingaqondakaliyo. Yenza impahla ulwelo akusoloko kusenzeka. Ngaphezulu, njengokuba kusenziwa imiboniso, ngetyala onikiweyo akusoloko ngokwaneleyo ukuze kulungiswe kwiziko zemali.

Ziziphi iingenelo inkqubo yesiqhelo shwe ebhankini?

banks sibhedlela ukuqhuba zangasese kuphela xa izinto zabo. Ukuba ngabaxumi amaziko ezemali navuso, ziyalufumana ulawulo asethi entsha. Kufuneka athi malunga nomtsalane a sibhedlela kubathengi. Imo yobukho ibonisa intembelo evela kurhulumente, ngoko ke, Itsala abatyali, kuphakamisa izinga intembelo ziko. Le sibhedlela usoloko ulonwabele nenkxaso karhulumente, banamalungelo athile. Ngu "umsindisi" banku- ngexesha elifanayo ezibekwe iimfuno ngqingqwa kwi- kwicandelo ukuboleka kungafezekiswa kweemfanelo zalo. Oku kunempembelelo entle igama leziko, ukwandisa ukhuphiswano yayo kwimarike zemali zasekhaya.