Banks Investment - yintoni na le nto? Iintlobo kunye nemisebenzi yeebhanki zotyalo

Lidla namhlanje uyakwazi ukufumana into efana "kwiibhanki zotyalo". Yintoni leyo? Yintoni injongo yabo nekamva lethu? Kuba yintoni na? Yiyiphi imithetho kulawulwa? Ezi, kwakunye neqela eminye imibuzo eza kuphendulwa ngaphakathi nqaku.

ulwazi jikelele

Ngoko ke, ekuqaleni, masifumanise oko ke kwiibhanki zotyalo ngokwabo. Oku amaziko ezizodwa zemali isandla ekukhuliseni capital ukuba oorhulumente kunye neenkampani ezinkulu kwiimarike zehlabathi. Kwakhona zinika iinkonzo zoqhagamshelwano ngexesha intengiso kunye nokuthengwa weshishini. Investment Commercial Bank kunokukunceda ngentambo kunye stock urhwebo, ukungenisa iinkonzo labarhwebi. Kwaye ekugqibeleni - kuyanceda ukumelana zemali izixhobo, impahla, iimali nokulungiselela iingxelo okuhlalutya kwiimarike apho esebenza.

Ukuba sithetha iingcaciso ezithile, akukho ukuvumelana, kwaye kumazwe amaninzi banike nentsingiselo zabo zexabiso. Sithathe njengesalathisi zilandelayo: iibhanki zotyalo - ezi amashishini ukuba bazibandakanya kurhwebo ngokhuselo lwembumba kunye norhulumente kwindawo yokuqala, ngokuthi ukusebenza kunye neebhloko amakhulu; njengoko benza ngemali yequmrhu ngendlela yokukhulisa capital isitokhwe eyenziweyo kunye imixokelelwane okanye ukukhupha credit investment zexesha elide.

Iimpawu eziphambili

banks yotyalo zorhwebo iimpawu zabo ezizodwa. Kodwa kusenokwenzeka ukuba ukwaba iimpawu zazo eziphambili:

1. Ngoko ke, i ibhanki investment - yinto ngumbutho yorhwebo enkulu ubhetyebhetye ehlanganisa kwaye inikeza inani elikhulu lwemisebenzi avunyelwe ngokhuselo kwiimarike kunye nezinye iimarike ezithile zemali.
2. Kucingwa umsebenzi lusetyenziswayo ingxowa kunye uncedo izibambiso.
3. Njengoko inkampani enkulu, ibhanki utyalo-mali isebenza phantse lonke nemigaqo lehoseyile.
4. Kuqala inikwa utyalo eliphakathi kwaye ixesha elide.
5. Isiseko kusenziwa iphothifoliyo izibambiso, kunye nomdla omkhulu yinxalenye non-ngeniso yemarike.

Umzekelo imisebenzi

Makhe BCS isifundo ingqalelo. Ibhanki yotyalo libandakanywe nengxowa yonyuso mali. Kodwa imali into asiyonto umsebenzi kuphela. Yena liziko ubhetyebhetye ngokwaneleyo, awathi kwezinye izinto yoshishino bekwi kumaziko yokubolekisa. Yintoni le kufuneka BCS? Investment Bank, indawo yokuqala, lubonakala ngokuba kwakhiwa kakuhle baze balungiselele ngayo umsebenzi kumacala ahlukeneyo. Oku kwenza isiseko ukuzibandakanya mali. Investment - omabini esiphambili kunye nomsebenzi zixhobo inzuzo. Ngoko ke, njengokuba umthetho, iinkampani ngaphezulu okanye ngaphantsi enkulu ukusebenza nabo.

imisebenzi

Ngoko ke siyayazi ukuba iibhanki utyalo eRashiya, njengoko, eneneni, kunye namanye amazwe La ngamaziko ezizodwa ngetyala adwelisiweyo kutyalo-mali kwiinkampani namashishini ezahlukeneyo. Yaye le misebenzi ilandelayo:

1. Ethatha inxaxheba ekuphunyezweni kwemisebenzi kwisixando sokwenziwa. Ezi ziquka ezo ezisinceda ekubunjweni kwezibonelelo ibhanki ngokwakhe.
2. Wazibandakanya ekuphunyezweni imisebenzi esebenzayo. Oku kubhekisela iintshukumo ezithile apho amaziko credit isixa. Ezi ziquka zebhanki utyalo-mali, imali-mboleko kunye nezinye izibambiso. Zonke ezi imisebenzi zibizwa ngokuba imfuyo.

banks yotyalo-mali esekwe ezabo izixhobo kunye nemali wavuswa. Ingqalelo kakhulu ihlawulwa umba kunye nokubekwa izibambiso.

Ukuba kwamanye amazwe?

Kumazwe amaninzi, kukho kukade icangcisiwe, iibhanki utyalo / imali ukuze sikuncede kubo ukuze baqonde ngcono iimpawu ze-ndlela ezikhoyo. Ngoko, kwi kuphuhliswa kumazwe bongxowankulu ethandwayo ngokubonelela ngemali-mboleko ngqo ixesha elide kwimizi kumashishini amakhulu kwi ukhuseleko mveliso zabo kunye nezixhobo. Oku kudla kunye yokuba iibhanki ngamalungu isifundo uphuhliso lwezoqoqosho. Ngamanye amagama, inkqubo usifake of capital mveliso kunye zebhanki. kwenzeka njani oku? Enye iinketho - zebhanki mali. Kwiimeko ezinjalo, ukuthenga izibambiso. Emva koko kuba yipropathi ebhankini.

Ngokubanzi, iinketho intsebenziswano zininzi. Kodwa inxaxheba ngqo lo mbutho ngetyala kumazwe ahlukeneyo babe ezichaphazela zabo. Xa ibhanki ethile utyalo-mali lwamazwe ngamazwe ime ukubekwa izibambiso, iqala ukwenza emva emarikeni zasesekondari kubo. Ngenxa yoko, udlala indima yokuba umthengisi kunye nomthengisi. Ukongeza, kukho iimeko xa isenzo umbutho yekhredithi njengoko guarantors okanye abaseki imibutho emitsha ukuba enze umnikelo umphakathi. Kananjalo ukudala yamaqumrhu eyayiza kuquka utyalo-mali kunye neebhanki zorhwebo, kwakunye mveliso umthengisi ukuze ngempumelelo enkulu.

Nendlela kwi Russian Federation?

Siye kahle sahlolisisa indlela yebhanki kumazwe jikelele. Ngoku makhe sinikele ingqalelo imeko kwi Russian Federation. Ngoko ke, ukuba benza elizweni zilandelayo:

1. Yenza imisebenzi kwabathengisayo, broker zokufaka incwadi.
2. Ndiyila iiphothifoliyo mhlobo, kwakunye - lokuphepha ngamnye izixhobo ze mali ethile.
3. Ngokutsho izibalo ngentla ukulungiselela izibambiso kwiintengiselwano.
4. Ukubonelela ngeenkonzo zengcebiso kwimibandela zotyalo-mali.
5. Sifuna abantu abazimisele ukutyala imali yabo ezahlukeneyo izifundo, kwakunye neendawo apho unako ukufumana imbuyekezo liphezulu.

Ngokomzekelo, makhe sihlolisise First Investment Bank. Yinto kwiziko lemali pretty enamandla onceda abantu uluhlu olubanzi mali. Ngoko ke, ngaphandle utyalo njengesiqhelo ngokhuselo, oko kunika kwakhona ithuba ukuthenga iingqekembe umqokeleli, amatye anqabileyo, ukusebenza kunye nempahla ukude ngokusebenzisa cryptosystems ekhuselekileyo kunye usayino lwedijithali. Kodwa First Investment Bank wanikel 'ingqalelo amaqumrhu asemthethweni. Niwaxhaphaze iinkonzo zamaziko ezinjalo kunokuba nzima xa efundisa kulungiselelwa abemi abaqhelekileyo.

Yonke into embi kangaka?

Makube lee oko. nababolekisi abaninzi jikelele. Ngokomzekelo, cinga i "Investment Trade Bank", eyaziwa ngokuba yi "Investtradebank". A iziko credit benza ukuhambela ixesha elide mali-mboleko kunye nokubonelela kubaboleki ngokusebenzisa kunikezelo kunye nokubekwa nezibophelelo abolekiweyo. "Investment Trade Bank" - isakhiwo leyo lwajoliswa iinkampani nemibutho ngeendlela ezahlukeneyo. Kodwa ngaphandle koko, kukho iinkonzo eziliqela kunye umntu eziqhelekileyo esitratweni. Nangona kunjalo, ungenza ngokukhawuleza ukufumana ngaphandle kokuba iseti eqhelekileyo iinkonzo ezifana mboleko kunye needipozithi. Investments ezikhoyo nangona, kodwa zifuna ukusayinwa umthamo othile wamaphepha olongezelelweyo. Ngoko ke, xa uhambo kula maziko kufuneka ukuba naphaya, kuyimfuneko ukuba aqhelane okuqulethwe iqela elikhulu namaxwebhu.

Ngokubanzi, iibhanki zotyalo - isakhiwo ukuba ekunokuthiwa kwezinto ezimbini:

1. Basebenza kwicandelo lonikezelo kunye norhwebo lwamaphepha.
2. Qhuba mboleko ixesha elide.

banks Investment na uhlobo lokuqala

Amaziko zokuqala ezifana kwasekwa njengoko intsebenziswano limited kwasekuqaleni kwikota yokuqala kwinkulungwane yeshumi elinesithoba. Kwinkulungwane yamashumi amabini kuye kubekho intsingiselo kude kwimicimbi kubananisi abucala, imibutho amancinci naphakathi egameni amaqela amakhulu. Semthethweni yokwahlukana kuzaliso-mali kunye athengisayo kuqala lwenziwa kwi-US ngo 1933, i-Glass-Steagall Act. Thina unomdla kwizifundo yemisebenzi yoqoqosho swi-yonyuso mali kwiinkampani ezinkulu kunye nosomashishini. Ekuhambeni kwexesha, baqalisa ukuba bathabathe inxaxheba ekudalweni abadlali abatsha kwezoqoqosho, kwakunye reorganizations, ukuhlanganiswa kunye nezinye utshintsho kubume bombutho.

Yintoni enye benza ntoni?

Ekuqaleni, kufanele kuqatshelwe ukuba amaziko anjalo musa ukuthatha iidipozithi. Bona ingqalelo umba izibambiso kunye iziqinisekiso. Ingeniso evela kubo akhiwa ikhomishini uqale okanye intlawulo mali esele loo nto ixhomekeke nokusebenza lwemisebenzi. Kwakhona, iibhanki asebenza bengabameli bazifumanela inxalenye nezabelo kwiimeko xa kucingwa ukuba inkampani isebenze ngempumelelo yaye baya kuba nako ukufumana imali. Xa ukubekwa, ngoko ubeka elubala imiqathango, ixesha, ubungakanani kunye noxanduva. Kuba ngakumbi kakuhle imisebenzi ilungiselelwe wabazingeli ebhankini.

Ngoku rhoqo kukho ilizwe imicimbi ukuba akukho senzo ngale ndlela le nkampani iphuhlisa kakhulu kancinane, ngoko ke amaziko zemali zotyalo-mali ngaphandle yomsebenzi ayihlali. Kudlulela kwindibaniselwano enjalo, xa iintloko iibhanka omabini amalungu ebhodi iinkampani kunye nezakhiwo lwembumba apho akhuphe izabelo. Kufuneka kuqatshelwe ukuba ukubhankisha investment kucingwa ukuba nempembelelo ephambili apha bobabo isiqingatha izakhiwo elinesibini, nabo bonke abanye - nto imibutho nomlomo nje. Kule, mhlawumbi, yonke into.

banks Investment ye kuhlobo lwesibini

Zidla zidalwe ngenxa yokuthe tye. Kudla ukuba uqokelele kunye norhulumente. njongo yabo iphambili - kukuqinisekisa liboleke eliphakathi kwaye ixesha elide kumacandelo athile ezoqoqosho okanye iinkqubo ezikhethekileyo-njongo. Ukongezelela, nabo benza ngayo kwimarike eyinkunzi, ivusa imali evela kumashishini oluntu kunye amancinci. Bathwala kwakhona imisebenzi wokubolekisa ngemali kunye notyalo mali karhulumente kunye bendawo izibambiso. Akunakwenzeka ukuba ukuhlola igalelo labo kuphuhliso ngeenkonzo ezahlukeneyo zemali. Ezo zindlu zebhanki yavela ngethuba lenguqu ukuya capitalism uMbumbi ekuqaleni evela egciniswe, abo bamanyene ngokubambisana. Ekuqaleni, bathabatha phezu kwabo ngokubulawa borhwebo, zokuhlala, ulwamkelo kunye nokulingana iimpawu. Benza kanye izibambiso, kodwa umthetho karhulumente. Njengoko kwinkulungwane yamashumi amabini ananye kwabunjwa malunga amahlanu izindlu zebhanki enamandla. peculiarity wabo ukuba adla wabumba kumashishini usapho kwaye kuphela kamva similise inkampani joint-stock. Kodwa kule mini wabona kukho ephambili ethile yaBameli uhlanga.

benza ntoni?

Ukuba sithethe malunga nokusebenza zezenzi, ukuba ikomkhulu labo, nto leyo uvele lezabelo ubunini usapho, ukulingana kunye nemali ebekelwe bucala, egciniweyo imivuzo, kunye nezinye imali ebolekiweyo. Oku imithombo ngayo amaziko ngetyala.

Kodwa umdla omkhulu kwi sifundo imisebenzi esebenzayo. Zakhiwa amandla abo okwenyaniso kwiibhanki zotyalo-mali. Umsebenzi kule meko kubandakanya ukusebenza nemali esandleni. lokuphepha abucala nakarhulumente, indawo kunye nezixhobo zemali.

iimpawu

Kufuneka kuqatshelwe ukuba iibhanki utyalo - oku kudla Lilungelo leSebe i kumazwe aphuhlileyo. Kuphela iqela elincinane ngokwentelekiso yamazwe asakhasayo liyi ebusweni babo. Ngapha koko, ukuba bazibandakanya utyalo yokwenene, okt notyalo fixed capital, nto leyo inegalelo ekwandeni inventri. Ke ngempumelelo enkulu kuyafuneka kuphuhliso lobuchwepheshe ngenxa ye revolution lobuchwepheshe kunye nabasebenzi abanezakhono.

isiphelo

Yeebhanki utyalo-mali xa isigqibo mali, kubalulekile:

• imveliso enokwenzeka Intellectual.
• Qualifications.
• Amava kunye nolwazi lwabasebenzi.
• iindleko zoqeqesho.
• Yonke enye into ikuvumela ukuba usebenzise ii-asethi ezifunyenwe enkulu kangangoko.