Buyela kwi equity njenge inkqubo parameter yolawulo olululo yebhanki

ulawulo Imali wenkqubo yinxenye ebalulekileyo eziyimfuneko kwinkqubo yolawulo yebhanki okanye kwishishini liphela, ukuqinisekisa uzinzo yomsebenzi wabo iimeko lentengiso. Management Model capital imele iseti lweziqalelo equka imigaqo kunye nokulawula ejoliswe ekusekweni ixabiso eliphezulu, yaye isakhiwo eyinkunzi, ukusetyenziswa lwazo ngempumelelo, emasikwini isibaluli imbuyekezo kubulungisa.

Imigaqo apho basekele nayiphi imodeli ezinjalo kufuneka iquke:

- level of ukubandakanyeka kwinkqubo yolawulo ngokubanzi;

- uhlobo lwenkqubo isigqibo;

- ukuthamba, bhetyebhetye kunye nolawulo olutshintshatshintshayo;

- ke ubuninzi bemizekelo zolawulo;

- ukugxila imisebenzi ibalulekileyo zamaziko ophuhliso okanye namashishini;

- ukhuselo lomthetho;

- noun yolawulo, apho imbuyekezo kwi equity liye laba isibaluli nesinokusebenziseka.

Ngelo xesha langoku lophuhliso lwezoqoqosho njongo iphambili nolawulo na imbuyekezo ezinkulu ibhanki kunye nokuqinisekisa uzinzo kwezemali kunye nokhuseleko ekuhambeni kwexesha, kuthathelwa ingqalelo nokukhulisa ixabiso layo emarikeni.

Ukuphumeza oku kufuna:

- kokugqitywa bhanki kwimo yokusebenza, xa imbuyekezo net kwi equity kunye nesakhiwo, uphumelele ngokugqwesileyo iparameters;

- ulwabiwo eyinkunzi eveliswa uhlobo lokusetyenziswa;

- ekudaleni imeko bume imveliso imbuyekezo kangangoko kubulungisa, ukuphumeza isivuno iphezulu elilindeleke lomngcipheko;

- ukunciphisa izisongelo umngcipheko zemali kwinqanaba ebelizicwangcisile of inzuzo;

- ukuqinisekisa lwesilinganiso yemali yebhanki;

- izinga efunekayo yolawulo yi abasunguli;

- ukunika ulawulo bhetyebhetye;

- izalathi si zokunikwa capital ukusebenza ngokuhambelana oko kwenziwe imbuyekezo kubulungisa phambili;

- ngexesha uyityale mali.

Inkqubo yolawulo ibandakanya ezisezantsi zilandelayo:

- ulawulo Inhloko, eyakhiwe zombini evela kwimithombo ngaphakathi nangaphandle;

- ulawulo eyinkunzi ebolekiweyo, nomdla ngokusebenzisa imithombo lwangaphakathi njengoko igalelo labathathi-nxaxheba, umba izabelo , njl.;

- Umsebenzi ekuhleleni kunye eyinkunzi eyongezelelweyo ; (bank, credits urhwebo, ukukhutshwa bond et al.)

- yokusebenzisa isakhiwo.

nolawulo I-Bank isekelwe phezu amacebo kunye amaqhinga zolawulo. Strategy zinganikezelwa njengoko kwicala engundoqo lwemisebenzi ibhanki ukuba ukufezekisa iinjongo. qhinga nolawulo kufuneka kungqinelane nesicwangciso sophuhliso ngokubanzi ebhankini, kuba yinxalenye. Ukumisela isicwangciso nolawulo kufuneka iphunyezwe kuthathelwa ingqalelo izinto awohluke wesiseko yayo kunye nokusetyenziswa, iimeko zokusingqongileyo, kwakunye neenjongo kunye nemisebenzi yebhanki. Ngenxa yoko, isicwangciso nolawulo kufuneka ijolise ekuphuculeni iimpawu eziphambili okuluphawu ukusebenza nokusekwa nokusebenza eyinkunzi, kukhuthaza uzinzo kwezemali.

Lawula Amaqhinga ubonelela ukuba kusetyenziswe iindlela ezithile kunye nobuchule ukuze kuphunyezwe injongo kwimeko kunikezelwa kwixesha elinikiweyo.

ulawulo Capital kubandakanya ukusetyenziswa amaqela amabini zomculo:

1. izixhobo zangaphandle bamele iseti ethile kwemigangatho kwinqanaba macro ezichaphazela iinkqubo ukubunjwa nokusetyenziswa eyinkunzi-level micro (ulawulo karhulumente beebhanki, market asethi, ulawulo lwemali, ngokufumaneka kwezibonelelo ngetyala).

2. izixhobo zolawulo lwangaphakathi, ezo ezijoliswe ekuphuculeni ukusebenza ngokukuthembela imiba yangaphakathi ekukhuleni yebhanki, kuvele iimpawu ezifihlakeleyo kunye noovimba (isicwangciso eyinkunzi ukubunjwa nkqubo ekujoliswe zemali, indlela yokukhetha eyiyo umthombo mali, imigangatho yangaphakathi inkqubo kwiinkalo ezithile kwenkunzi, njl ) ..

Ngoko ke, ulawulo lwee-asethi kubandakanya ukufumana nokwamkela izisombululo, nto leyo eqinisekisa ukusebenza lwamajelo ukusetyenziswa kwayo, ngokuba nomthelela ixabiso, imbuyekezo kwi equity, isakhiwo kunye nemithombo kwenkunzi. Indlela yolawulo eyinkunzi luquka: inkcazo iinjongo zolawulo kunye nemisebenzi, ukulawula phezu ukuphunyezwa kwazo; Uphuhliso lwezicwangciso kunye amaqhinga sokulawula ezinkulu; ukusetyenziswa iindlela zale mihla kunye neemodeli kwinkqubo yolawulo; Uhlalutyo ngexesha ukusetyenziswa ngobuchule eyinkunzi kunye nokwandisa ulawulo yayo.