Umthetho zebhanki

Banking kuyinto isethi olwahlukileyo komthetho. imisebenzi yayo ziquka ulawulo nobudlelwane kwezentlalo enxulumene nemisebenzi ye-Central Bank (CB) kunye neebhanki zorhwebo.

Banking iquka imigaqo yomthetho ye yoluntu zemali. Imilinganiselo civil ziquka ulawulo nokusekwa kunye nomsebenzi kweebhanki njengemibutho zorhwebo, kwakunye ukuzalana phakathi abathengi kunye namaziko ngetyala. nemigangatho esemthethweni Financial zenza imigaqo ngokwenkqubo yesikweliti, ukumisela ubume Central Bank (CB) le-Russian Federation elawula ubudlelwane phakathi Central Bank kunye neebhanki zorhwebo.

Naliphi na ishishini lwasemthethweni zibonwe isakhiwo kumthetho wesizwe, nomthetho, kwakunye isiyalo academic.

ulawulo Legal kobudlelwane kwixabiso le ndawo kungenxa ifuthe yepolitiki neyoqoqosho imisebenzi zeebhanki kwezoqoqosho kweli lizwe ngexesha elifanayo. ubudlelwane Ummiselo, ukongeza, uye iindlela ezithile ummiselo.

UMthetho Banking njenge uqeqesho kwizifundo imelwe ngolwazi ezintsonkothileyo. Kwathi inzululwazi ezintsonkothileyo wayifundisa ngokungqinelana nesi sicwangciso yaye indlela echazwe kwi ziko.

inkqubo yomthetho logcino yenziwa kumanqanaba amathathu eziphambili:

1. Izigaba (isi, imali ekunene).
2. amaziko Legal njenge iseti nemimiselo elisemthethweni lokulawula ubudlelwane oqhagamshelwano phakathi sohlobo oluthile (umzekelo, i-Institute for iintlawulo ikheshi).
3. Ngokwemimiselo yomthetho zebhanki. Olu hlobo umthetho zonke iimpawu zayo. Ngelo xesha, kukho ezinye iinkalo ezikhethekileyo. Ngoko ke, hayi kuphela imimiselo yalo mthetho zebhanki unokuyilawula ubudlelwane zebhanki. Kukho nezinye wemigangatho yoshishino ezisebenza ummiselo kweebhanki. Ngokukodwa, ezi ziquka zemali, yoluntu, irhafu, yolawulo kunye namanye amashishini.

Ulawulo lomthetho (zebhanki) ziye ngokusesikweni-defined uxanduva iseta kunye amaqumrhu asemthethweni kulwalamano zebhanki, unokubethelela indawo yabo (zomthetho). Ukuhambelana kwakhona inikwa ithuba kufuneka ziwise izohlwayo (nokunyanzeliswa).

Imithombo komthetho logcino yiseti ngeendlela yangaphandle. Bona ichazwe ngokusesikweni kwaye ziqulathe nemigangatho esemthethweni nobuDlelwane.

Emithonjeni kwinkqubo yogcino Russian, ilungelo ukunyanga i-RF siseko, izivumelwano zamazwe ngamazwe le-Russian Federation, imimiselo yomthetho ngamazwe, isigqibo Russian weNkundla yoMgaqo-siseko, umthetho zebhanki.

Le yokugqibela kuquka imithetho kwi-Central Bank, imisebenzi beebhanki, yimali (awile) kumaziko zemboleko kunye neminye imiqathango.

Kufuneka kwakhona ukubandakanya kunye nemimiselo zangaphakathi amaziko zebhanki ukuya kumthombo. Ngenxa yoko, i-Central Bank - indawo, amanqaku kunye imiyalelo ziyabophelela arhente federal njengenxalenye karhulumente, bonke abantu, amaqumrhu asemthethweni, amagosa karhulumente wengingqi.

Le nkqubo zebhanki Russian ukuba limelwe isakhiwo, ngokusekelwe kwimigaqo ethile ukuhlalisa norms zomthetho kwezentlalo. Ubudlelwane luyasekwa kwinkqubo esweni kunye nolawulo lweebhanki, ukuphunyezwa kwimisebenzi yeBhanki, ngokunjalo ekutsaleni (kuba waphula umthetho echaphazelekayo) ukuya okusesikweni.

Ukusebenza, le nkqubo ikhankanywe ngasentla phakathi ubudlelwane nxaxheba bayo ukuphuhlisa ngeendlela ezimbini. Kwimeko yokuqala, ubudlelwane kuthiwa nkqo. Relations kunye Central Bank phakathi eRashiya kunye nabanye abathathi-nxaxheba kwinkqubo leebhanki. Kwimeko yesibini, ubudlelwane kuthiwa tye. Bacebise intsebenziswano phakathi abathengi kunye namaziko ngetyala, ngokunjalo phakathi kwamaziko eziliqela ngetyala.