Kopindulitsa kwambiri banki gawo. The madipoziti banki kopindulitsa kwambiri

Madipoziti - ndi imodzi mwa ntchito wotchuka anapereka mabungwe ano ndalama. Madipoziti ndi zovuta mtundu ndalama. Zonse chofunika kwa munthu - ndi kusankha naye bwino ndalama nkhope ya banki lalikulu, kutenga ndalama zawo ndiponso kuika nkhani. Kumapeto kwa nthawi ya mgwirizano kuchuluka kwa likulu udzakhala wautali. Koma funso kuti aganizire dzana kulembetsa kwa gawo la - ndi kudziwa chomwe ndi kopindulitsa kwambiri banki gawo ali pakalipano zokha.

nkhani General

Kuganizira nthawi Kugawilidwa kwanthaka likulu nkhani ya banki, mukhoza kusankha madipoziti akuti ndi madipoziti akumufuna. Last mapulogalamu mtundu amapereka mwayi kuti mupewe ndalama nkhani pa nthawi iliyonse, koma ubwino ndi kupweteketsa mlingo chidwi. Amamuchititsa kukhala kochepa pakati pa zotsatsa zonse zilipo pa msika. Tulukani ndi kuganizira kwambiri zimene ndi kopindulitsa kwambiri banki gawo amapereka yaikulu likulu ndi yaitali mgwirizano ndi bungwe la zachuma. Small madipoziti pa zindikirani lalifupi sapereka kuchuluka womwewo wa profitability. Tiyenera kuganizira ulamuliro: mwayi ochulukirapo kwa makasitomala banki ali ndi ndalama zawo, kupatula izo idzapereka mlingo. Maximally yopindulitsa sankaoneka ngati madipoziti kwa nthawi ya chaka chimodzi kapena zingapo.

Kopindulitsa kwambiri madipoziti akamagwiritsa

Kopindulitsa kwambiri madipoziti ku mabanki zimakhala ndalama ndi chokhala. madipoziti ndalama sangathe limabwezeretsa, pamodzi ndi chidwi chachikulu adzakhala sonyezani kuchuluka kwa likulu chachikulu. Mtundu wachiwiri wa pulogalamu amalola akamaliza chopereka, kuchuluka adzakhala chiwerengedwa kuchuluka, zomwe zachokera chifukwa pa nthawi iliyonse.

Kuwonjezeka pazipita mu ndalama pa gawo amatitsimikizira chidwi pawiri, amatchedwanso capitalization. Kwenikweni ake kwagona kuti zofunika kuchuluka mwezi anakaika pa gawo ndi chidwi recalculated, ndi kupitirira adzapereke awo amachitidwa osati pa Ukulu wa chopereka chachikulu, komanso chidwi poyamba accrued. ndondomeko akubwerezedwa mosalekeza mpaka nthawi monga gawo akuti chimagwira.

Akuti chakumapeto kwake ndi OMC zopereka

Kwa magulu ena a makasitomala yopindulitsa madipoziti mu mtsinje wa St. Petersburg ndiponso mizinda ina - kuchita masamu. ndi zibwenzi banki mtundu amapereka mwayi recharge. Kasitomala amalandira madebiti khadi m'manja. Kuvomerezedwa chikhalidwe - ndi usonyeza anagwirizana kusainira ndi mgwirizano pangano kuchuluka m'nkhaniyi. zosinthika china chochititsa chidwi ndi gawo la - ndi mankhwala ndondomeko. Ungatithandize zokolola malamulo angapo zoopsa kuposa pulogalamu muyezo. gulu imatengedwa ndalama ali pangozi, koma masoka zinthu patukani pa gawo kungakhale 20% mu miyezi ingapo. Wina Baibulo chidwi ndi atsopano a augmentation wa ndalama zawo - ndi MLA (kapena nkhani unallocated zitsulo). Iwo akhoza kukhala mkulu-ololera kwambiri, ndi zina ndi yopindulitsa kwambiri. Magombe samapereka chidwi pa madipoziti zimenezi, koma kudumphira mtengo wa zitsulo mtengo wapatali pa msika lonse angapereke zokolola wa ku 100% ndipo nthawi apamwamba gawo. Pali kale mwayi.

Kodi chopereka ndi yopindulitsa kwambiri, ndipo aliyense yake

Pofuna molondola kuwerengetsa zimene kopindulitsa kwambiri banki gawo zikhoza kuchitika, tiyenera kuyamba zofuna ndi zolinga zawo. Malinga zofunika adzakhala makonda osiyana anthu osiyana. Mwachitsanzo, MLA ndi njira yabwino amene amagwira ntchito m'tsogolo. Gold, pokhala ndalama amalire, nthawi zonse kupeza mtengo, ndipo mtengo mungathe osati awiri, koma patatu mu zaka zingapo zotsatira. zokolola mwina si ofanana ndi zopereka lililonse. Anthu amene akonza kugwira kugula zipangizo zodula kapena zapamwamba, chaka chopereka kwa kubwezeretsa, monga mwayi osati kusunga mbali ya ndalama, komanso kuwapatsa iwo kuchuluka. Zambiri kudzikundikira likulu idzamupindulira pazipita yekha capitalization chidwi.

chiwongola dzanja - tcheru pazipita

Yabwino zopereka Moscow mabanki ndi mizinda ina - si chimodzimodzi akufuna mlingo pazipita chidwi. Nkofunika kudziwa kuti CBR mwamphamvu, asaaonerera pa mlingo uwu, kuwasunga pa kwambiri kapena zochepa khola. Ngati bungwe ndalama amapereka ndalama malamulo angapo zoopsa kuposa ambiri ku msika chuma, ndi chizindikiro chakuti mabungwe a zachuma ndi mavuto liquidity. Dongosolo zosakhalitsa anayambitsa mabungwe amene akuyesera kuti akope ndalama amachita uncharacteristically kwambiri.

N'chifukwa chiyani muyenera kusiya Zachikondi lalikulu pa msika?

Posankha mlingo wapamwamba zotheka pa msika gawo, ndipo mukhoza ndiye musati kuona ndalama. Zachikondi Big angapeleke mabanki laling'ono, limene yekha akudzetsa kulingalira kasitomala m'munsi. Chinthu chachikulu - musaphonye ndipo musati aganyali bungwe amene alipo ndi zokaikitsa. Ataphunzira nkhani mabanki amene zopereka opindulitsa, zimaonekeratu kuti ndi bwino kugwirizana pa mlingo pafupifupi chidwi pa avareji banki malonda ndi optimizing chiŵerengero cha profitability ndi chiopsezo. Kukula akadakwanitsira milandu mu 2015 godu zimasiyanasiyana 10% 12%.

Gawo ndalama amamasulidwa

The zokolola za gawo ndi zimadalira ndalama zake. Malinga ndi akatswiri, muyenera aganyali wagawo wina ndalama zimene ali kuti anathera. Apo ayi, chifukwa cha zodabwitsa kusinthitsa ndalama silingakhoze kokha kusasangalala, komanso kutaya ndalama. Mwachitsanzo, tikhoza kutenga depositors posachedwapa amene mwasankha ndalama kopindulitsa kwambiri mu Moscow mabanki mu rubles, akukonzekera kuti chinthu patapita madola nthawi. Program kusankha anapangidwa kutenga nkhani yakuti mu ndalama national madipoziti anabwera ndi kuchuluka apamwamba. Chifukwa, nthenda mlingo kulumpha mu miyezi sikisi otsiriza, osati "kudya" ndalama lonse, komanso mbali yaikulu ya likulu. Pofuna kupeza otayika mu mawu dollar, m'pofunika kuti ndalama pansi 50% pa annum, amene sangathe msika zoweta ndalama. The odalirika kwambiri ndi opindulitsa ankaona chopereka ndalama chifukwa ndalama ndi malo a. Ngakhale ndi kusinthasintha kwa mtengo ndi kukula, ndi kuunika kwa zikuchitika zachuma mwayi posachedwapa kuti kuchepa ake pafupifupi kulibeko.

Kodi gawo akhoza wachinsinsi monga kopindulitsa?

Lero, ndi mkhalidwe wa wampikisano mu gawo la ndalama, ambiri mabanki yabwino chiwongola dzanja pa madipoziti zoperekedwa kwa makasitomala ake onse. Nthawi zambiri, kwa mlingo mkulu adzabisale zolipira zina kapena mikhalidwe kuyeza kwa mgwirizano. Ena mabungwe ena azachuma akhoza kwathunthu kumana peresenti, ndipo ngakhale zoika chilango cha kuchotsa msanga ya mgwirizano. kuti zimenezi ayenera kupeza. ndalama opindulitsa mu St. Petersburg mabanki ayenera kukhala okonzeka kusintha. Takulandirani: kusankha ndalama ndi kuliika nthawi zingapo yosungirako, nawuza pawiri chidwi ndi beskomissionnoe withdrawals tsankho. Kuti tinasankha olondola, ndipo zopereka kopindulitsa kwambiri ku banki ziyenera anatumiza bwinobwino mfundo zonse asankhidwa kale.