Umba Imali: kubume bayo kunye tholo yayizezona

wokunciphisa Monetary yinkqubo ukukhupha engamaphepha kunye zemali ejikeleza ngaphandle kweBhanki. On kwifuthe lazo kuqoqosho kukho iingcali lizwe uyakwazi ukuthetha kangangeeyure, ngenxa yokuba kukho ezininzi eziphikisanayo. Ngapha koko, loo nto ithathwa sisixhobo enokukhokelela ngokuphuculwa kunye ukuvuthuluka kwisigaba zemali.

Kuqala kubalulekile ukukhumbula ukuba umba imali lilungelo omelwe ukwenziwa National Bank. Yena ulawula ubonelelo ngemali: uvelisa yokunqongophala ize kananjalo irhoxise njengoko kuyimfuneko. iifom ezimbini zingahlukaniswa yokukhupha imali: cash and non-cash. Okokuqala banzi kakhulu, ngenxa yokuba ukongeza imali yenza ukukhululwa yasasazwa yeendlela bentlawulo. Ukongeza, ilungelo lokwenza umba non-cash kwaye kufuneka neebhanki zorhwebo, leyo izahlule kwifom imali.

Isidoda imali eRashiya ingqamana inani lemithetho-siseko:

• Abadla bodwa, oko kukuthi, ilungelo lokuba kukhutshwe yamaphepha sinikezwe kuphela Central Bank of the Russian Federation yena yedwa ogqibayo kangakanani ukuba ukurhoxisa, okanye ukukhulula kubo.
• Oko kwenziwe ngaphandle ukhuseleko. Hlobo mhlobo ayiboneleli igolide okanye ezinye amatye anqabileyo, kwaye ziya kuhlawulwa iindleko zokuvelisa kukhona kakhulu ezinkonzo ezincinane nexabiso lazo elifanelekileyo. Ukongeza, akukho akukho ngokusesikweni ubudlelwane phakathi lwemali kazwelonke kunye negolide.
• Ingaba indlela ezisemthethweni intlawulo, kuqinisekiswa yi-mthetho ngoku Russian, isixhobo free kuphela enokusetyenziswa mawuhlawule iikontraki.
• imali engange Russian zibe nokutshintshanisa ukuba kwisifundo ngasinye, ehambisa incwadi yesazisi, na isiphumo. Akukho izithintelo ezithile.
• Urhulumente kufuneka nga byeli National Bank ixesha kunye nemali wokukhutshwa mali, ingakumbi ngokohlobo mandikhethe.

Ukunyusa imali cash ikhutshwa phandle iyunithi eyodwa ebizwa ngokuba iziko cash processing. Ngoko, ke, kubandakanya kumagumbi kwegazi kunye mali egciniweyo. Indlela yokuqala unoxanduva lokukhupha neebhanki zorhwebo kunye yolwamkelo kwemali kwimeko ukubunjwa obugqithisileyo. A mali reserve uwugcinayo umsebenzi kwezibonelelo zokugcina. Yaye ngoxa kumanqaku zebhanki zibe kule ngxowa, abanako kubizwa ngokuba ngemali; ngokuba abanako ukwenza imisebenzi esisiseko, kodwa kuphela imiqondiso imali.

iziko processing Cash ise kwisebe i-National Bank, esingaba amalungelo komoya. Ngenxa yoko, nguye othabatha isigqibo ukuthunyelwa kwemali evela kwingxowa-mali egciniweyo kwi egumbini kwegazi. Oku kwenziwa ngexesha xa nokungena kwemali siyongezwa yi mimiselo ezicwangcisiweyo, kwaye kwiibhanki zorhwebo eziliqela kwandisa imfuneko imali engaphezulu.

kuphakama indaba non-cash kwinkqubo yophuhliso kunye nokwandiswa iindawo abolekisa ngemali, ngoko kungaya kunye namanye amaziko yokubolekisa. Oku kuthetha ukuba ukwanda imali kwi-akhawunti ngenxa nowokupheliswa nayiphi intengiselwano ebhankini. Kukholelwa ukuba olu hlobo amadlozi primary, ngamanye amazwi, qala ukukhula-akhawunti yebhanki, ngoko kukho imfuneko ukwandisa unikezelo imali.

Kubalulekile ukuphawula ukuba non-cash and cash sele intsebenziswano rhoqo kwaye maxa wambi uthatha uhlobo enye okanye ezinye. Ngokomzekelo, xa ubhatala i-mboleko okanye idiphozithi yenziwa ukwanda non-cash. Kwaye xa emkayo imali -akhawunti yebhanki buyanda imali ngemali. Kodwa umba "umba imali" Akupheleli nje inguqu ukusuka kwesinye isimo ukuya kwesinye, hayi nje umba semali ejikeleza ngaphandle kweBhanki, kunye nokwanda wokwenene supply imali.