Inkqubo yebhanki yanamhlanje yeRashiya

Inkqubo yemboleko iqukethe ubunzima bonke beemali kunye namaziko emali. La maziko aqokelela kwaye aqokelela imali, kwaye asebenza kwiimarike zemali-mboleko. Izikhonkwane eziphambili zeziko leenkqubo zesikweletu samhlanje:

- Iintlobo ezahlukeneyo zeebhanki: iibhanki zorhwebo, ibhanki yokuboleka imali, iibhanki zokulondoloza kwaye, ngokuqinisekileyo, iBhanki Ephakathi;

- iinkampani ze-inshorensi kunye nemali yomhlalaphantsi;

- Amaziko eemali zeebhanki ezingabikho.

Inkqubo yebhanki iyona nxalenye enkulu yenkqubo yemboleko ngokwemiqathango kunye nobukhulu . Inkqubo yasebhanki yaseRashiya ineempawu eziliqela eziphambili, njengale: uninzi lweebhanki zijoliswe kwingxenye ephambili; Ubuninzi beebhanki kubandakanya amabhanki amancinci naphakathi; Iifom zokunqongophala zobunini: isisitabane-sabelo, isabelo, sixutywe. Phantse zonke iibhanki zaseRashiya ziphela, ngoko ke inethwekhi yeebhanki ezikhethekileyo, ezifana nokubolekwa kwemali, ayiyi kuphuhliswa.

Inkqubo yasebhanki yaseRashiya inika uqoqosho kwilizwe ngokubanzi, urhulumente kunye nosomashishini. "Ibhanki yeBhanki" ukususela ngo-1860 yiBhanki yeRashiya yaseRashiya, kwaye ukususela ngo-1990 iBhanki Ephakathi. Ngaphambi kokuguqulwa kwebhanki ka-1987, bekuyibhanki yodwa yedwa eyayiphethe yonke i-credit, ukukhupha, ukuhlawula kunye nokuthengwa kwemali. Okwangoku, imisebenzi yayo ilawulwa nguMgaqo-siseko weRussia Federation kunye nemithetho yomthetho, kunye negunya eligunyazisiweyo kunye nepropati yipropati yombutho. Ngelo xesha, iBhanki Ephakathi ayikho uxanduva lweembopheleleko zorhulumente kunye nangona kunjalo, kwimisebenzi yayo ayixhomekeke kuRhulumente weRussia Federation, kodwa ku-State Duma. NguDuma weSizwe oqoka amalungu eBhodi yabaLawuli kunye noSihlalo weBhunga ngesiphakamiso sikaMongameli, unquma uhlobo lokuphicothwa kwebhanki, uphulaphule ingxelo zeSihlalo kunye nengxelo yonyaka, njl njl.

Inkqubo yebhanki yanamhlanje yeRashiya yinkqubo yenguqu yenguqu, yinkqubo yemakethe elula kwaye iqulethwe ezimbini.

Inkqubo yasebhanki emibini yeRashiya yinkqubo yesigqeba samaziko e-Central Bank yaseRashiya kunye necandelo leebhanki zoshishino. Ibhanki ephakathi "inoxanduva" lokukhupha imali, ukuzinza kwemali yaseRussia, kunye nokulawula imisebenzi yeebhanki zorhwebo. Iibhanki zorhwebo , nazo zinoxanduva lokunceda abantu, abashishini kunye nabathengi, ukubonelela ngeenkonzo ezahlukeneyo zebhanki kunye nemveliso.

Iibhanki zorhwebo zaseRashiya (ngohlobo lobunjwa bemali-mvume egunyazisiweyo) zahlulwa zibe ziinkampani zentengiso kunye kunye, kunye nemigqaliselo elula, kwiinkampani ezinobunzima kunye neenkampani zentsebenziswano. Ngeentlobo zeenkonzo ezinikwe kwaye zenziwe, iibhanki zinokuzikhethela kwaye zizodwa. Iibhanki zendalo yonke ilayisenisi yokuqhuba phantse yonke imisebenzi kunye nokuthengiselana, iibhanki ezikhethekileyo zinemiqathango ethile. Ngokuxhomekeke kubukhulu bemali-mvume egunyazisiweyo, ukuthengiselana kunye neenkonzo ezinikezelweyo, iibhanki zorhwebo zihlulwe zibe zikhulu, eziphakathi kunye ezincinci. Kukho iibhanki eziphantsi komhlaba, kunye neebhanki ezenza imisebenzi yazo kuyo yonke intsimi yaseRussian Federation.

Inkqubo yasebhanki yaseRashiya iquka iziko lebhanki eligunyazisiweyo. Eli liziko lekhredithi apho, ngenxa yesivumelwano, ugunyazisiweyo ukwenza imisebenzi ethile yezemali kunye nekhredithi egameni lamagunya karhulumente okanye amabhunga olawulo lwengingqi.

Inkqubo yasebhanki yaseRashiya iququzelele nemibutho engekho ebhanki yeebhanki ezimele iintlobo zemanyano yemali-mboleko, iimali-mali kunye nemali yomhlala-phantsi, ii-pawnshops, iifenki zokurhweba, iifenki zentengiso, i-leasing kunye neenkampani zomshuwalense, njl njl.