Yintoni wabeka imfuneko reserve?

Imfuneko reserve igqalwa enye yezixhobo ezisebenzayo yomgaqo-lawulo wemali karhulumente. Esi salathisi umiselwe yi yibhanki eyintloko yelizwe kumaziko orhwebo ngetyala kwaye zikhuselwe ngumthetho. Injongo yale loovimba kukuba inshorensi inkqubo logcino evela iimeko ezingalindelekanga, ukuze agcine umgangatho amatyala kunye nenzuzo. Ngaphezu koko, ukwandisa ukuthembeka ukuqinisekisa ukukhuseleka imali abemi ', aphezu akhawunti imali.

Njengoko ukhuthazwe yintoni xa kuyilwa iindawo zolondolozo efunekayo, ukuba ufuna njalo isixa esithile semali, ngenxa apho imali abathengi ebhankini emva ngendlela ngexesha. Xa imeko namhlanje yezoqoqosho, urhulumente usebenzisa oovimba yokulawula umthamo ubonelelo ngemali. Ngokomzekelo, xa uphethe uya imali eninzi, yaye enxulumene olukhawulezisiweyo amazinga lokukhula kwamaxabiso, imfuneko ukunyuka reserve ngokungqalileyo. Ngoko ke, kukho ukunyuka kwamaxabiso mboleko kunye ukuqulatha izinto ezo mali kwiziko cash zokusonjululwa National Bank.

Musa ukulibala ukuba ngokusebenzisa ezi oovimba urhulumente ulawula iinkqubo zendalo kwimarike zemali, ngokulungelanisa imeko nexabiso izibambiso. Noko ke, esi sixhobo kufuneka kulawulwe kakuhle, ngenxa yokuba, ukongeza impembelelo HIV iyakwazi ukuphawula inani lokusilela. Umzekelo, rhoqo ukutshintsha mfuneko reserve kudala ukungalingani yonke inkqubo zebhanki, ukuze silungelelanise neemeko ezintsha naliphi na iziko lamatyala kunzima. Ukongeza, i-mali olubekelwe le reserve, kuxhomekeke ngokuhlahliswa, nto leyo ithetha ukuba inxalenye yale mali inqanawa yorhwebo baphulukana nobutyobo.

Bank Reserves kufuneka siqulathe imali eyaneleyo ukuze kugcinwe uzinzo lwemali mbutho kwimeko etshintshayo. Ukuba bathe ezingekhoyo, iibhanki zorhwebo kufuneka uboleka ukusuka National Bank ukuba athengise nayiphi na inxalenye izibambiso zabo. Kwaye ngenxa inqanaba amatyala jikelele ngeyona lifinyele. Le ndlela ke yabonakala ukwanda iimfuno reserve. Xa bekhululwe ekunciphiseni imithombo yeentengo zemboleko ukuya ukuhlawula ityala okhoyo, ngenxa yoko kwandisa yokuhlawula amatyala.

Imfuneko reserve kungachaphazela umyinge wenzala ehlawulwa amaqumrhu asemthethweni okanye abantu nje umvuzo ngokusebenzisa ngetyala. Kakade ke, xa urhulumente ubasukelayo umgaqo-nkqubo "imali oluziindleko", isixa iminikelo nokonyuka reserve - kunye nezixhobo ngoko ezamahala lamatyala kulahlwe ebhankini, kuba ezincinane. Esi sesona sizathu sokuba ilungeniselo izinga lenzala kwimali-mboleko. Noko ke, ibhanki engundlunkulu akusoloko kusenzeka ukuba basebenze zorhwebo amaziko yokubolekisa. Kusenokubakho imeko apho iibhanki sineendlela olunzulu kunye ezininzi nabathengi, kwaye ngoko ke ubungakanani yengeniso yabo phezulu ngokwaneleyo. ngamandla yemali ikuvumela ukuba ukudlulisela i-akhawunti kwi-National Bank of iimfuno reserve, ngaphandle kokutshintsha ubungakanani inzala kwimali-mboleko kunye needipozithi.

Ngoko ke, abasemagunyeni karhulumente kufuneka balujongisise ngenyameko iimeko zemarike, ukuhlola icandelo logcino, uze emva koko uthabathe amanyathelo eziphathekayo negalelo kwezoqoqosho. Kakade ke, naluphi na utshintsho iimfuno reserve kufuneka ziqwalaselwe ngononophelo kwaye ugwetyelwe. Kuqoqosho oluzinzileyo ekuqalisweni utshintsho unokuba nefuthe elibi yonke inkqubo yebhanki, ngoko kusengqiqweni ukuba ukusebenzisa ezinye izinto zokuxhathisa yomgaqo-lawulo wemali.