Kodi liquidity banki a

Pamene banki amatha akamakwaniritsa udindo wawo, ngati lingaliro la amatchedwa liquidity wa banki. Bank liquidity zimadalira mlingo wa ntchito chiopsezo. Ndiko kuti, chuma kwambiri ndi chiopsezo pa pepala muyezo gombe, ndipo m'munsi liquidity wa banki. Chifukwa chuma ndi chiopsezo monga Mwachitsanzo, nthawi yaitali ndalama za kubanki. chuma zochepa yowopsa monga ndalama zolemba banki. digiri ngongole nawonso amakhudza kwambiri liquidity ya gombe, kuphatikizapo pa alipire ngongole za yake.

Ndipo liquidity a muyezo banki zimadalira kapangidwe ka pepala bwino. Mwachitsanzo, madipoziti kufunika akhoza akamagwira ndalama nthawi iliyonse, ndi madipoziti nthawi yotentha ndi mabanki kwa nthawi yotalikirapo. Choncho, liquidity banki sanaganizire kwambiri yafupika ngati kuwonjezeka cholowa cha madipoziti kufunika ndi kuchepetsa gawo la madipoziti atathana yaitali. Pa mlingo wa liquidity zingakhudze komanso zinthu monga kudalirika cha ngongole ndi madipoziti, omwe analandira kuchokera mabungwe ngongole zina banki.

Mu poona solvency ndi liquidity a banki, mukhoza kuona gombe umayendetsedwera. A akhoza ayesedwa pogwiritsa ntchito zizindikiro zapadera kunyezimiritsa chiŵerengero cha chuma ndi ngongole, ndi kapangidwe ka chuma. Pa mlingo lonse, pogwiritsa ntchito yapadera magawanidwe liquidity ndi chiŵerengero ndalama za katundu ndi ngongole. Liquidity zizindikiro m'mayiko osiyanasiyana angakhale ndi njira zosiyana kuwerengera ndi dzina. Izi zidalira pa zimene aliyense dziko lili ndi ntchito zake ndi miyambo yawo. Kuonanso bwino liquidity ya gombe, m'pofunika kutsatira mfundo sing'anga ndi yochepa liquidity. Mu ena mabanki mlingo liquidity anatsimikiza ndi malamulo banki ndi zina matupi maziko a ndalama ndi kuyang'aniridwa kubanki. Mlingo wa mphamvu kuchita ngongole banki a anatsimikiza kudzera poyerekeza ndi miyezo yabwino ndi mtengo wa koyefishienti wa banki.

ngongole banki ya kusiyanitsa kuthekera ndi enieni. Angathe kutali-bwino pepala wotuluka chipembedzo chabe Mwachitsanzo, anapereka chitsimikizo banki ndi chitsimikizo. Komanso, kuthekera ngongole kutali-bwino pepala monga yogwira opertsii chitsanzo cha makalata angongole. Kudzipereka kwenikweni zingaphatikizepo banki a muyezo pepala, amene afotokozedwa mu mawonekedwe a madipoziti ndi kufunika mwamsanga, zikutanthauza angongole ndipo akutenga ndalama. Kukwaniritsa udindo awa atha kutumikira ngati gwero la ndalama, amene chimaonetsera bwino ndalama pa dzanja, katundu ndi kunditumiza ku ndalama ndi zina. Ntchito magwero deta banki sayenera limodzi ndi zomvetsa.

liquidity banki angathe limanenedwa ngati boma zazikulu, zimene zimagwirizana kuthekera kuti akwaniritse udindo wake, mwachindunji depositors ndi angongole chifukwa chakuti amasamalira chuma chake ndi ngongole. Solvency unakhazikitsidwa tsiku lenileni, mosiyana liquidity Mwachitsanzo, pamene adawalamulira malipiro wogwila ntchito kapena pamene m'pofunika kupereka msonkho kwa bajeti. Chiŵerengero pakati solvency ndi liquidity kumabweretsa vuto limeneli, banki simungathe kukumana malipiro udindo wake ndi tingakhale madzi. imfa ya liquidity kumabweretsa mwadongosolo insolvent. lingaliro limeneli lingatanthauze monga kulephera kwa banki kupeza magwero kulipira ngongole ndi udindo wake mu dongosolo mkati, ndi chosatheka kubweretsa kukhwima mwa ngongole zina kunja.