Interbank ngongole: zochititsa ndi mfundo zofunika

Interbank ngongole imatengedwa sankakhala ndalama dera lomwe lili loona. Pajatu aliyense bungwe ngongole likukwaniritsa zofunikira zosakhalitsa ndalama ya gombe lina pokhapokha ngati pali bata mosamala chuma. Komanso, zina zachilengedwe kapena malamulo munthu amadalira kwambiri pa kusintha kwa zinthu zina ndalama, makamaka kusinthasintha kufufuma ku msika.

Interbank kukongoza ndi chida ambiri ntchito yokonza dongosolo banki lonse ndi zinthu payekha. mabungwe Mawu ayamba mtundu wa ngongole mwambo sakuyendetsa lakuthwa mu mlingo wa liquidity, kuwonjezera, iwo amakulolani kukhala mlingo Napempha kwa profitability. Liquidity amamvedwa kutha banki kuti akwaniritse udindo wake pa nthawi, popanda kupanga makasitomala dikirani. Ndi chifukwa chizindikiro ichi mfundo za kutchuka kwa m'banja.

Komabe, ngongole yapakati-banki kuwonjezera ubwino angatsutse komanso ndi kuipa ena. Choyamba machitidwe awo onse kuti ngongole iri kokha yochepa. Yaitali ngongole kwa mabanki mabanki sangakhale opindulitsa kwa chipani kapena. Komanso, mabungwe ngongole ayamba chotero chida kukumana kupanda zosakhalitsa ndalama, nthawi zonse yekha, pakalibe njira zina. Zimenezi n'zosadabwitsa, chifukwa mtengo umenewu ngongole m'malo okwezeka ndiponso si wopindulitsa nthawi zonse kuti wobwereka lapansi. Kuthetseratu kuipa alipo ndi kusintha kwa banki dongosolo m'pofunika kukhala ndi malangizo amenewa, ngati ngongole yapakati-gombe. Choyamba, tiyenera kulongosola kuyesetsa kuti akonze Nawonso achichepere wathunthu ndi chiphaso makina a zonse zofunika.

Relations pakati pa magombe chaonetsedwera mu mgwirizano ngongole, makamaka ndi mgwirizano amapereka tsiku lomalizira yeniyeni, mtengo, njira ya alipire ngongole ndi zina zotero. M'zaka zaposachedwapa anayamba kuphunzira interbank ngongole kuti "usiku" nthawi, kapena kuti malipiro ngongole adzakhala maola 24 Patapita. Kwa nthawi yaitali mtengo unali wochepa kwambiri, mabungwe ochuluka ntchito lero utumiki.

Ngati ife kulankhula za udindo wa IBC (yapakati-banki ngongole), ubwino wake pa chitukuko cha dongosolo banki si funso. Chifukwa timatha mabungwe ngongole ngakhale mu nthawi ya mavuto a zachuma kukhala zosungunulira. Pa zinthu opereka ngongole otere anakhudzidwa ndi zinthu zina zachuma. Mwachitsanzo, zinthu pa msika chuma ndiyo chiwongola dzanja. Mwachibadwa, kuchepetsa ake kumabweretsa kuchepetsa ndalama ngongole, zimene zikutanthauza mungayembekezere ndi kukula kwa ankafuna. Kwenikweni kukhala ngongole yochepa, kuyambira kuphatikiza zinthu zingapo wofunikila nkhani za ngongole yapakati-akuti. Poyamba, mphamvu zabwino mlingo chidwi. Chachiwiri, mitengo khola kwa sheya boma. Pomaliza, kudalilika mphamvu za gulu wobwereka ndi kulipira khola. Zochita izi "mogwirizana" ali osowa kwambiri, nchifukwa chake ngongole yaitali sanalandire kugawa moyenera.

Ndi palibe chinsinsi kuti ngongole ya mtundu uliwonse kwa wobwereka ayenera kupereka zikalata zina. Interbank ngongole mwapatsidwa pamaziko a mawu, zikalata constituent wa bungwe, kubwereka, magazini ya boma kalembera, hayala, chisindikizo amaonekera ndi siginecha ya anthu a udindo ndi zikalata zina muyezo. Pamaso yomaliza kusankha wokongoza achititsa kusanthula mozama mfundo ndalama wobwereka kudziwa chiyembekezo cha chitukuko ndi mlingo wa solvency.