Yintoni na amatyala ibhanki leyo

Xa ibhanki uyakwazi ukuhlangabezana neemfanelo zabo, kukho ingqiqo enjalo ibizwa ngokuba amatyala ale bhanki. Bank amatyala kuxhomekeke iqondo imisebenzi lomngcipheko. Oko kukuthi, i-asethi ezingaphezu kunye emngciphekweni omkhulu kwiphepha lomncono yebhanki, inowuthi amatyala ale bhanki. Kuba asethi emngciphekweni omkhulu ziquka, umzekelo, investment zexesha elide ibhanki. asethi Ngaphantsi eyingozi ziquka imali engamaphepha. degree credit ikwachaphazela kakhulu amatyala ka ebhankini, kuquka xa intlawulo kwangexesha mali-mboleko.

Kwaye, ukuba amandla okuhlawula amatyala eseleyo ebhankini ixhomekeke isakhiwo kwiphepha lomncono. Umzekelo, needipozithi imfuno zingafunyanwa abatyali ngalo naliphi ixesha, kwaye needipozithi ixesha eyenziwe zibhanki ixesha elide. Ngoko ke, amatyala ibhanki ingadodobaliseka kakhulu lincitshiswe ukuba ukwanda isabelo iidiphozithi imfuno kunye nokunciphisa isabelo iidiphozithi fixed-term. Kwinqanaba amatyala asenokuzichaphazela kwakhona izinto ezifana nokuthembeka mboleko kunye needipozithi, ethe wafumana kwezinye yebhanki amaziko amatyala.

Ekuhlaziyeni yokuhlawula amatyala kunye amatyala ngaseludinini, uyakwazi ukubona isebenza njani ibhanki. A nga kuvavanywa ngokusebenzisa izalathisi ezizodwa ebonisa umlinganiselo kweempahla nezinto ezingamatyala, kwaye ubume asethi. Kumgangatho wamazwe ngamazwe, esebenzisa ezizodwa awanikezele amatyala lulwahlulo mali zee-asethi namatyala. Iimpawu amatyala kumazwe ahlukeneyo abe indlela eyahlukileyo ukubala negama. konke kuxhomekeke koko ilizwe ngalinye izenzo zayo nezithethe. Ukuhlola amatyala ka ebhankini, kuyimfuneko ukuba ukusebenzisa izinto eliphakathi amatyala elifutshane. Kwezinye iibhanki izinga amatyala umiselwa umthetho zebhanki kunye namanye amaqumrhu emisiweyo imali kunye kweliso zebhanki. Inqanaba ukukwazi ukwenza iimfanelo ibhanki iya kumiselwa uzithelekisa nemigangatho emiselwe kunye nexabiso 'ngumlingani ka ebhankini.

amatyala I yebhanki ukwahlula nobonisa actual. Abo basenokuba off-balance imicimbi sheet esibizwa zezenzi, umzekelo, likhuphe isiqinisekiso ebhankini kunye warranty. Kwakhona, ukuba namatyala sheet off-balance ezinokubakho ziquka umzekelo esebenzayo opertsii le iincwadi ngetyala. Le kuzibophelela ngokwenene angaquka lomncono yebhanki leyo, nto leyo ichazwe ngokohlobo iidiphozithi kunye nemfuno engxamisekileyo, ithetha amatyala kunye ukuboleka. Ukuze azalisekise ezi mbophelelo ukukhonza njengemithombo-mali, nto leyo ichazwa njenge balance cash on hand, impahla zidluliselwa kwi ezinkozo kunye neminye imithombo. Ukusetyenziswa koovimba, ibhanki kufuneka sikhatshwe yi ilahleko.

amatyala Ibhanki kaThixo singachazwa njengelizwe onamandla, nto leyo ibonakalisa amandla ukuhlangabezana neemfanelo zalo, ngqo abagcinisa imali kunye amatyala ngenxa yokuba elawula impahla yayo kunye namatyala. Yokuhlawula amatyala ulungiselelwe ukuba ngosuku oluthile, ngokungafaniyo yokuhlawula amatyala, umzekelo, xa ityala imivuzo kubasebenzi okanye xa kuyimfuneko ukuhlawula irhafu mali. Umlinganiselo phakathi yokuhlawula amatyala kunye isambuku kukhokelela kwimeko enjalo, ibhanki akakwazi ukuhlangabezana nezibophelelo intlawulo yayo kwaye ahlale elulwelo. A ilahleko amatyala kukhokelela amatyala ngendlela. Le mbono kunokuthetha nje ukungakwazi ebhankini ukufumana imithombo ukuhlawula ityala kunye nezibophelelo zawo kubume lwangaphakathi, kwaye akunakwenzeka ekuziseni ekuvuthweni namatyala neminye imithombo yangaphandle.