Kodi anapereka lamulo la malo?

chofunika pa malo ndi chimodzi mwa zida zothandiza kwambiri mfundo ndalama za boma. chizindikiro Izi ndi chapakati banki dzikolo mabungwe malonda ngongole ndi wotetezedwa mwa lamulo. Cholinga cha nkhokwe ndi kutsimikiza dongosolo banki ku zochitika zadzidzidzi, kukhalabe mlingo wa liquidity ndi profitability. Komanso, kuwonjezera kudalirika ndi chitsimikizo chitetezo cha ndalama nzika 'ali pa nkhani gawo.

Monga chinthu takasa polenga nkhokwe chofunika, ndi kufunitsitsa zonse ndi kuchuluka kwa ndalama, chifukwa chimene banki kasitomala ndalama kumbuyo m'nthawi yake. Vuto lero zachuma, boma amagwiritsa nkhokwe kuti zonse buku la okwanira ndalama. Mwachitsanzo, pogwiritsa amapita ndalama kwambiri, ndipo mogwirizana ndi inapita patsogolo mitengo kukula kwa kufufuma, malo chofunika ukuwonjezeka mwachindunji. Choncho, pali adzauka pa mtengo wa ngongole ndi containment la ndalama pakati ndalama kuthetsa wa Bank National.

Musaiwale kuti pogwiritsa ntchito malo amenewa boma asaaonerera pa njira yachibadwa msika chuma, kusintha mtengo wa masheya a. Komabe, chida ichi ayenera bwino ankalamulira, chifukwa, kuwonjezera pa kulimbikitsa izo kusankha zolephera zingapo. Mwachitsanzo, zikusintha chofunika pa malo amalenga vutoli mu lonse dongosolo banki, kodi atengere zinthu zatsopano za bungwe lililonse ngongole ndi zovuta. Komanso kuchuluka asonyezedwa mu malo a, imvera misonkho, kutanthauza kuti gawo la ndalama chotengera malonda anataya irretrievably.

Bank nkhokwe ayenera muli ndalama zokwanira kukhala bata ndalama za bungwe mu chikhalidwe kusintha. Ngati iwo akuphonya, magombe malonda ndi kubwereka ku Bank National kugulitsa mbali iliyonse ya sheya awo. Ndipo chifukwa cha kuchuluka kwa liquidity ambiri ndinasintha yafupika. chitsanzo zingaoneke ndi kuwonjezeka mu amafuna malo. Pamene anamasulidwa kuchepetsa zinthu pangongole kuti apite ngongole yanuyo lomwe potsatira kumawonjezera liquidity.

Lamulo malo zingakhudze mlingo chidwi lolipiridwa ndi mabungwe alamulo kapena anthu monga mphoto chifukwa cha ntchito ngongole. Kumene, pamene boma akachita lamulo "ndalama mtengo" kuchuluka kwa zopereka kuwonjezeka malo - ndi ufulu ngongole chuma pa kutaya banki, izo zimakhala ang'onoang'ono. Ichi ndi chifukwa kuwonjezereka wa chiwongola dzanja pa ngongole. Komabe, banki chapakati Sizotheka kuti ntchito pa malonda mabungwe kukongoza. Pangakhale vuto kumene mabanki ndi ntchito yaikulu ndi zambiri makasitomala, choncho kukula kwa ndalama zawo ndi mkulu mokwanira. Amphamvu malo chuma limakupatsani kusamukira ku nkhani mu Bank National zofuna malo, popanda kusintha kukula kwa chiwongola dzanja pa ngongole ndi madipoziti.

Choncho, akuluakulu onse ayenera bwinobwino zinthu msika, tione gawo la banki, kenako kukhwimitsa konkire pa mmene chuma. Kumene, kusintha malamulo malo ayenera mosamala ndi wolungama. Mu chuma khola kumayambiriro kusintha mwina kungasokoneze pa dongosolo banki lonse, ndiye n'zomveka kuti ntchito levers zina za mfundo ndalama.