Ukuphindaphinda kweBhanki

Umthengisi webhanki yindlela yokukhula kwemali yesibonelelo semali, ekhompyutheni ye- deposit yebhanki nganye yezorhwebo ngenxa yokuhamba kwemali kwi-akhawunti enye ukuya kwenye.

Umxhasi webhanki akasebenzi kuphela xa ibhanki yoshishino linikela ngemboleko, kodwa kwakhona xa iBhanki Ephakathi ithenga imali, izabelo okanye ezinye iziqinisekiso ezivela kwiibhanki zorhwebo. Ngenxa yoko, kukho ukwehla kwezibonelelo zeebhanki ezityalomali kwimisebenzi esebenzayo, kunye nokukhula kweendawo zokugcina iihholo, ezisetyenziselwa ukuboleka imali, oko kukuthi, umphindisi webhanki uqala ukusebenza. Cinga ngolu hlobo ngcaciso.

Ingundoqo kunye nenkqubo ye-multiplier yebhanki iyona ndlela ichongwa ngokuchanekileyo ngomzekelo othile. Cinga ukuba iqumrhu elithile elinikezwa yiBhanki A yathengisa imali evela kumazwe angaphandle ngokubandakanyeka ngqo kwibhanki kwi-MICEX kwimali eyi-ruble eyi-10 000, eyagqithiselwa kwi-akhawunti yebhalana kwi-Central Bank yaseRashiya. Ibhanki Idluliselwe imali kwi- akhawunti yangoku ye- corporation (imfuno yediphozithi). Ngokweziko ezisungulwe yiBhanki Ephakathi, enye yale mali kufuneka ihlawulwe kwi-akhawunti ekhethekileyo ngendlela yokugcina ubuncinane. Kucinga ukuba ixabiso elimiselweyo li-4%. Emva koko inani lemali liya kuba ngama-ruble angama-400.

Ngaloo ndlela, ibhanki yezorhwebo iyafumana i-ruble engama-9 600, engayisebenzisela ukwenza inzuzo. Ezi mali zibizwa ngamanye amaxesha zibizwa ngokuthi i-surplus reserves yebhanki yorhwebo. Akukho nto ikhusela iziko ukuba libaqondise ukunyusa isikweletu kwenye ikhampani esebenzisa iinkonzo zayo. Ngoko, ibhanki yethu inika imali mboleko kwenye inkampani ngenani lama-ruble angu-9 600. Njengomphumo wale ntsebenzo, ukugcinwa kwemali engaphezulu kuncitshiswe kuhlawulelo lwexabiso kunye kunye nokubhengeza ngokukodwa kwintlawulo ekhutshwe kwidibansi enye. Ukuqhubela phambili, ngoncedo lwemboleko, inkampani ihlawulelwe izinto eziphathekayo kwaye idlulisela loo mali kwi-akhawunti yomthengisi kwiBhanki B. Ngenxa yoko, ufumana imali yakhe yokulahla imali engama-ruble angu-9 600, i-4% yayo (ii-ruble ezingama-384) iya kwi-reserve, kunye nama-ruble angama-9,216. Ibhanki B ingathumela kwakhona imali mboleko kwenye indawo. Ngaloo ndlela, kukho ukunyuka kwemali, kwaye iimali ezintsha zongezwa kwiimali-mboleko ezikhoyo kunye neentlawulo.

Khawucinge ngoku ukuba ungabala njani umthengisi webhanki. Ifom ifom ifom elandelayo:

Cm. = M2k. : (М2кг.-М0.г.), apho

Cm. - coefficient of animation bhanki;

M2Kg. - ubukhulu bemali ekuboneleleni ekupheleni konyaka wokubala;

M2N. - ubungakanani benkxaso-mali ekuqaleni kwonyaka-mali;

Mo.n. - yonke imali yenkokhelo ekuqaleni kwe-accounting year.

Umthengisi webhanki usebenza kuphela xa inkqubo yebhanki inamanqanaba amabini. Iyokuqala ibhanki ephambili yelizwe, elilawula le ndlela. Kwaye kwinqanaba lesibini yiibhanki zorhwebo, eziyilungisayo kungakhathaliseki ukuba zifuna. Ngexesha elifanayo, umphumo wokunyusa imali awuphumelelwanga ngumbutho omnye, kodwa ngeenkqubo zonke zebhanki. Ngokucacileyo, iifoto zebhanki ngokuzithe ngqo zixhomekeke kwisixa samalungelo okugcina. I-low down the norm, iibhanki zorhwebo zinezibonelelo ezikhululekile, ezizisebenzisa ukunyusa imali yokunikezelwa kwemali.

Umthengisi webhanki unokusebenza kwakhona kwindlela eyahlukileyo. Ukuba abathengi baqala ukurhoxisa imali kwiifom ezininzi, inani lilonke leemali-mboleko liya kuncipha kwaye kuya kuba nekredithi yokunciphisa imali.

Kufuneka kuqatshelwe ukuba phakathi kwayo yonke imisebenzi esebenzayo kwicandelo lebhanki kuphela utyalo-mali lwentengo-mali luyakwazi ukudala iifomethi ezintsha, ngoko zizalisekisa umsebenzi wokukhishwa kwenkqubo yebhanki kazwelonke. Iimali-mboleko ezingaphezulu zikhutshwa, umlinganiselo omkhulu wokukhutshwa komsebenzi.