Banki System kapangidwe

Kachitidwe banki - ali m'gulu chuma m'dzikoli, mndandanda wa mabungwe onse ngongole, omwe akapatsidwa ntchito yake yapadera. Iwo amawononga mndandanda ntchito yawo kukumana ndi zosoweka anthu a misonkhano banki ndi mankhwala. Kapangidwe ka dongosolo banki yafupika kufalitsidwa kwa mabungwe onse banki mu utsogoleri wolowezana malingana ntchito zawo.

dongosolo banki Russia a adakali kwambiri zotsutsana. Banks chinkhoswe mu mitundu yosiyanasiyana ya ntchito. Nchito zawo zikuphatikiza osati gulu la kufalitsidwa ndalama komanso kukhazikitsidwa ubale ngongole. Iwo ndalama chuma cha dziko, ntchito zogulitsa wa masheya, bungwe ntchito inshuwalansi, kuchititsa wotuluka ziwongola dzanja zaogulitsa, kusamalira chuma, etc.

Lingaliro ndi dongosolo la kachitidwe banki akuyamba ndi tanthauzo la "banki" wa zosiyana.

Bank - wodziimira malonda ntchito. mankhwala Aika ndi mapangidwe ndi kasamalidwe ka njira ya malipiro kapena ndalama zambiri, komanso makonzedwe a ukutitsimikizira mu mawonekedwe a misonkhano, ngongole, malangizo ndi umboni ndi zina zotero. Banks kugulitsa ndalama ndi kutanthauzira msika. Iwo ali pafupi kwambiri ndi ntchito ndi zosowa zake. Choncho, mabanki ndi mfundo kwa malamulo chuma.

banki lero limanenedwa ngati ogwira ntchito ndalama, kuganizira ndalama alembedwe wa madipoziti, powapatsa ntchito mu mawonekedwe a ngongole, amachita ngati mkhalapakati mu malipiro pakati pa mabungwe a zachuma ndi anthu, lolamulira anathetsera ndalama, kuti apereke ndalama zikusowa.

Dongosolo banki Choncho, ndi osakaniza osiyanasiyana a mabanki dziko, komanso mabungwe onse ngongole. Pamafunikanso zinthu monga Bank ku Central, magombe za chikhalidwe malonda ndi ngongole ndi kuthetsa malo ena. Ichi ndi kapangidwe ka dongosolo kubanki.

Banki chapakati amakhala ndondomeko umuna ndi zipangizo kuwombola yachilendo malamulo ndi kulamulira chuma, Ndipotu, pachimake chachikulu cha dongosolo kubwerera a zachuma. mabanki malonda kugwira zosiyanasiyana ntchito banki ndi ntchito.

Ntchito yaikulu ya dongosolo banki yafupika kwa m'khalapakati mu kayendedwe ka ngongole ndi ndalama kwa ogulitsa kuti ogula ndi kwa obwereketsa borrowers.

Udindo wa dongosolo banki mu Russia ndi wamkulu, mothandizidwa ndi midzi malamulo ndalama, pokambiranapo inadzachitika utuluke zonse ndalama.

Kapangidwe ka dongosolo banki yafupika kufalitsidwa kwa banki ndi ngongole mabungwe mu dongosolo masanjidwe. Ngati kumabungwe ena onse a chuma, dongosolo banki akusowa dongosolo masanjidwe zigawo zake. Pamene chionekera kugwirizana pakati ndiponso grassroots ziwalo zinchito.

Kapangidwe ka dongosolo Russian banki amakhala ndi ziwiri mlingo AI.

Pa mlingo pamwamba pa utsogoleri wolowezana ndi Bank Central, la Russia. Ntchito yake bungwe kufalitsa ndalama ndipo sanali ndalama malipiro, kasamalidwe ka nkhokwe kuwombola yachilendo, ngongole ndi ntchito kuthetsa boma, boma ndalama, kukhazikitsa mfundo Bank a ku Central pakati pa magulu cigawo. Mayunitsi a Bank ku Central ndi Office Central, kosamalira chapakati cigawo, oyandikana chapakati mabungwe banki.

Pa mlingo grassroots cha utsogoleri wolowezana banki ndi mabanki malonda ndi apadera. Nchito zawo zikuphatikiza utumiki ngongole-oveteredwa kasitomala mu mawonekedwe a ovuta, makamaka ena mitundu ya ntchito.

Kapangidwe ka dongosolo banki alinso kusiyana ndi gawo. Kuonjezera cangu ndi mphamvu ya ntchito zolimbana mwa dongosolo banki Bank a ku Central lagawidwa m'magulu monga ntchito chimodzimodzi mabungwe. Mwachitsanzo, ogula ngongole mabanki, magombe dziko, gawo kubwereketsa ndi mabungwe ena. Cholinga chachikulu cha mugawo ili ndi kukhazikitsa ndondomeko zolimbana, malingana ndi maonekedwe a ntchito gawo mabungwe yeniyeni.