Bank bwino

banki bwino amasonyeza mfundo zofunika zachuma zakuya za banki bungwe ndi kusintha ntchito Management Bank. Mothandizidwa ndi akuluakulu boma kuchepetsa kukula kwa gawo la ndalama kudutsa dziko. Management ya gombe, nayenso, potengera muyezo wa banki amayankha polandirira msonkho zotsatira komaliza ndi mphamvu ya ntchito ikuchitika, amapereka njira lotsatira mu chitukuko cha ntchito kubanki.

Amapanga banki a muyezo pepala mu mawonekedwe a tebulo mwachidule inaimika maziko a magulu a ntchito mogwirizana ndi zizindikiro chuma homogeneous zomwe chikhalidwe cha nkhani banki pa tsiku lenileni.

Muyezo wa banki malonda ndi muyezo pepala, kumene kumasonyeza mkhalidwe wa mwini, anabwereka kukabwereka ndalama zawo a banki, kusonyeza mmene iwo anayikidwa mu ngongole ndi ena ntchito yogwira. Zochita gwero la mauthenga kuyan'anila mapangidwe ndalama ndi mayikidwe awo, boma ngongole, ndalama, Pamudzi ndi ntchito zina banki, kuphatikizapo ntchito ndi sheya.

banki chifukwa sikelo nomenclature lagawidwa bwino pepala ndipo kumbali-bwino.

The loyamba ndi awa:

• chabe - ndi chuma banki kwa kukongoza ndi kukhazikitsa zinthu zina banki, iwo ali chinyezimiro cha ndalama kubanki, ndalama za anthu zachilengedwe amakampani ndi mabungwe, revenues boma bajeti, madipoziti, ndalama mu anapezazo ndi phindu banki ndi nkhani sonyezani, ngongole zina ndi ndalama abwereka, kuphatikizapo refinancing ndalama omwe analandira kuchokera mabanki ena;
• yogwira - sonyezani pa iwo limasonyeza bwanji nanga njira kugwiritsa ntchito zinthu izi, kusunga malipoti a ndalama pa gombe, ngongole long- ndi yochepa, boma bajeti ndalama, nkhani olandila, komanso zina wothandizila yogwira.

Ngakhale pepala yamasika, kutali-bwino, ndi chinyezimiro cha kayendedwe ka zikalata ndi katundu, amene adza mu mabungwe a banki pa ntchito, kusunga kapena chopereka, kuphatikizapo zizindikiro za boma ntchito malipiro mitundu magawo zochita wosamalitsa, ndipo ena.

Yowerengera banki bwino m'magulumagulu ndi digiri ya liquidity m'nkhani zimene mumachita zotsatirazi:

• ndalama, katundu nkhani mabanki ena, kuti, amasonyeza "nkhokwe yaikulu" ya liquidity;
• Pakuika pepala malonda, zing'onozing'ono sheya yaitali ena, kuti ali mbali ya "nkhokwe sekondale" chifukwa iwo akhoza mwamsanga inasanduka ndalama ndi chiopsezo pang'ono za imfa;
• ngongole kuti borrowers munthu, mabungwe, makampani, magombe ena; popeza pali mwina alipire mochedwa, bwino kuyesetsa a otsika ndalama madzi;
• Msungidwe - aganyali makina ndi osasunthika katundu, chilengedwe cha kugwilira limodzi bulanchi, etc.

Choncho, thunthu chuma wotuluka mu pepala muyezo banki ali m'magulumagulu nkhani:

• wotuluka kasitomala, kuphatikizapo wotuluka mu kukopa chuma ndi kupereka ngongole;
• interbank wotuluka, kuphatikizapo akuti lalifupi ndi lalitali; ntchito zina, kuphatikizapo ndalama mu yochepa sheya malonda ndi sheya ena.

Bank bwino umakhala muyezo ovomerezedwa ndi Bank of Russia, ndipo mfundo zotsatirazi:

• malonda kupitiriza,
• dzuwa, ndi inviolability kosamala kutsegula,
• mankhwala pa mawonekedwe,
• lotseguka nkhani,
• kugwirizana malamulo mlandu,
• kusamala, kuganizira ndi ndalama maziko ndalama ndi ndalama,
• osiyana chinyezimiro cha chuma ndi ngongole.