Kodi chiyanjano ndi chiyani?

Kawirikawiri m'mabuku amakono, mungapeze malingaliro osiyana, chinthu chomwe sitidziwa bwino. Awa ndiwo mawu oti "banti sanation". Tiyeni tiyesere m'nkhani ino kuti timvetsetse tsatanetsatane.

Kotero, kodi chiyanjano ndi chiyani, kodi chingakhudze bwanji ntchito za mabungwe azachuma?

Chofunika cha mawuwo

Kusungirako zitsamba ndi njira yothetsera mabungwe azachuma ndalama. Ndondomekoyi ikhoza kuchitidwa kumalonda a ngongole, koma pokhapokha ngati pali mwayi wopewa kubweza ndalama, komanso kupulumutsa chuma cha boma kapena dera lapadera la mabanki akuluakulu komanso ofunikira kwambiri. Yankho la funso lokhudzana ndi malo oyeretsera, ndi awa: ndiko kufunafuna ndalama zoyenerera kapena kubwezeretsa ndalama zowonjezera pogwiritsa ntchito chuma ndi katundu wanu.

Kodi ndi phindu lanji kwa ndani?

Kwa osungira ndalama, malo oyeretsa ndi opindulitsa. Ndi chithandizo chake, mukhoza kusunga ndalama mwathunthu, osati kungopeza inshuwalansi zowonjezeredwa, zoperekedwa ndi malamulo omwe alipo tsopano ndikukhala mabulu 700,000. Pa nthawi yomweyi, kodi chiyanjano chimamvetsetsani bwino ndi mabungwe amilandu, ngati pali wogulitsa ndalama imodzi pa banki yonse yovuta. Chifukwa cha izi, mabungwe a bizinesi akupitiriza kukhala ogwiritsidwa ntchito mokhazikika ku bungwe lomwelo.

Komabe, tanthawuzo la liwu lakuti "sanation" limataya tanthawuzo lake ngati "dzenje" la banki laling'ono ndilofanana ndi malire ake. Bungwe la zachuma chotero silingabweretse. Lamulo limapereka ufulu wokana kukonzanso ndalama za mabanki. Masiku ano, malo oyeretsa akuchitidwa mu mabanki khumi ndi asanu a Russian Federation.

Choncho, tikhoza kupanga zomwe mau oti "sanation" amatanthauza. Uku ndiko kukhazikitsidwa kwa ntchito zomwe sizikukhudza kubwezeretsa kwa mabanki okha, komanso kusintha kwa kasitomala ndi kukhazikitsidwa kwa ngongole, kubwezeretsanso njira zakunja ndi zamkati, kukonzanso kwa antchito ndi magulu a nthambi.

Njira zochira

Choncho, m'pofunika kuti mudziwe bwino lomwe zomwe zikuchitika, popeza mabanki akhoza kusungidwa m'njira zosiyanasiyana.

Choyamba, kugulitsa kwa banki "yoyipa" yotere ku bungwe lina labanki chifukwa cha mtengo wophiphiritsira.

Chachiwiri, kukonzedwanso kwa Agency for Deposit Insurance (posachedwapa ASB) ndi mabungwe ogulitsa.

Chachitatu, gawo lina la zinthu zomwe zili ndi ngongole za banki yoyenerera zimatumizidwa ku bungwe lina la bizinesi ndi udindo wa bungwe lalamulo.

Chachinayi, kukonzedwanso kumeneku kumachitika kokha ndi mphamvu za DIA.

Kotero, kodi chiyanjano ndi chiyani? Izi ndizo zothetsera kubwezeretsa kwakukulu kwa mabungwe a mabanki. Ikhoza kutsimikiziridwa molimba mtima kuti ngati zotsatirazi zapambidwa, ndiye kuti kutseka kwa banki kungapewe.

Nkhani Zazikulu

Ngati mukutsatira njira yachitatu ya chiwonetsero, i.e. Kutumiza katundu ndi mangawa kwa munthu walamulo ndi kukonzanso kwa antchito, njira yotere ndi ogwira ntchito ku banki ikhoza kuonongeka. Kuwonjezera pamenepo, zimakhala zovuta kwambiri ndi makasitomala ku banki .

Njira yachinai ya ukhondo - yonyamula ndi DIA yekha - ndizovuta kwambiri. Ndondomeko ikhoza kuchitika pokhapokha palibe winanso.

Njira zothetsera mavuto

Choncho, kuti athetse mavuto omwe amabwera ndi ogwira ntchito ku banki, otsogolera akugwira ntchito yofotokozera. Mwa kuyankhula kwina, ogwira ntchito ku bungwe loyang'anira mabanki ayenera kumvetsa bwino chifukwa cha kukonzanso, ndipo ndi zotani zomwe zimatengedwa kuti zithetse. Ndiponso, ogwira ntchito ayenera kukhazikitsa bata ndi kupereka zofunikira zonse kwa makasitomala a banki.

Gawo lotsatira kuthetsa mavuto omwe amabwera chifukwa cha kukonzanso mabanki ndi bungwe ndi kulimbikitsa foni yamakono ndi kuwonjezeka kwa chiwerengero cha mizere ndi ogwira ntchito omwe ali ndi ntchito yoyenera kuteteza kutuluka kwa depositors ndi kuchotsedwa kwa katundu wawo ndi makasitomala a banki.

Chotsatira chachitatu chiyenera kukhala kupitiriza kufufuza nkhani zosiyanasiyana pa nkhani ya zolemba zosiyanasiyana pa bungwe la banki. Tikukamba za mauthenga oipa komanso owopsa kuchokera kwa makasitomala ndi owona chipani chachitatu.

Ndipo sitepe yotsiriza ndiyo kukhazikitsa nthawi yeniyeni ya misonkhano ndi oimira zachuma. Antchito a banki ayenera kupereka atolankhani zowonjezereka zokhudzana ndi ndalama za bungwe. Kuonjezera apo, zolemba zachuma zikhoza kuperekedwa ndi ndondomeko yokonzanso njira kuti zithetse zotsatira za konkire. Pa nthawi imodzimodziyo, iyenera kukhala ya chilengedwe. Icho chiyenera kuti chiphatikize zikalata mwachindunji kutsimikizira zoona zake.