Liquidity a mabanki malonda

Liquidity amatanthauza tisaletse kukhazikitsa, imene imakhudza kutembenuka chuma mu ndalama. Pali zinthu monga liquidity a msika liquidity, muyezo banki ndi chuma.

Malonda banki liquidity zikutanthauza solvency ake. kubanki ndi madzi ngati voliyumu okwana ndalama zake zonse, ndi chuma china madzi chikhalidwe ndi kusonkhanitsa ndalama ku magwero ake omwe mu nthawi yochepa ndi okwanira kuti abwezere zonse zachuma ndi ngongole.

Komanso banki ayenera kukhala nkhokwe madzi chofunika kukakomana ndi kusinthika ndalama. nkhokwe chofunika a mabanki malonda kwakukulukulu wokhoza kutitetezera malo banki mu mwambo zochitika zadzidzidzi.

Malonda banki liquidity kasamalidwe kumafuna zothandiza kuchepetsa boma la liquidity ndi wokonzeka kuyankha mtundu uliwonse wa kupatuka mwakale.

Akuti m'madera akutali monga kuenjezera zofunika banki a liquidity kupelekedwa ndi alipire kufunika ngongole, si kulenganso ngongole patsogolo ntchito chabe, issuance a zikalata zoikizira ndalama, kugulitsa mbali zina za sheya mbiri, kukhazikitsa ngongole ku banki Central.

Kuti tikhale okhazikika banki ayenera kukhala ndi malo ena a chikhalidwe madzi. Ndi chofunika kwa zingwe zosayembekezereka chifukwa cha zinthu zosiyanasiyana kunja ndi mkati.

Liquidity a mabanki malonda zimadalira zinthu zandale za dziko, zenizeni zachuma kudutsa dzikoli, boma la zonse kupatula ndalama msika, n'zotheka refinancing ndi Bank ku Central, boma sheya msika, kusintha kwa malamulo banki, zodalirika kasitomala, chikhalidwe cha kasamalidwe banki, obespechennostisobstvennym likulu ndi zina zotero. Zinthu.

mabanki chapakati zonse liquidity a mabanki malonda kudzera kukhazikitsidwa mwa zinthu pa ngongole kubanki kupitirira ngongole pa wobwereka, ulamuliro pa issuance wa ngongole zochuluka kwambiri dongosolo refinancing ndi malo kuvomerezedwa ndi gawo lina la ndalama abwereka, mfundo chiwongola dzanja, ntchito sheya ndi ena. Russia solvency a mabanki malonda ndi mutu lamulo.

Pofuna kukhala ndi liquidity a mabanki ayenera kuneneratu zotheka vuto mafunde gawo siyana "pa kufunika" ndi "wosadalirika" madipoziti akuti, kukula mu ankafuna ngongole ndi zinthu zina kusintha zinthu zachuma.

Kuti kusamalira liquidity a banki ayenera bwino kuonetsetsa chuma ndi ngongole. Kuti zimenezi zitheke, nkhani za akukopeka matebulo ndi kudziwa mbali za ngongole ayenera kuyikidwa m'nkhani nkhani madzi yogwira pofuna kupewa ndi kuchepa kwa liquidity chiŵerengero.

Liquidity a mabanki malonda zimadalira chikhalidwe cha chuma chake. Malinga omasuka ikumasuliridwa chuma ndalama ya gombe anawagawa madzi ndi illiquid.

chuma madzi ali okonzeka nthawi yomweyo. Izi ndi ngongole ndalama, choyamba kalasi, zitsulo zamtengo wapatali, sheya boma, lomwe ndi ndalama nkhani mtolankhani ku Bank ndi Central.

Phula ndalama pa kutaya banki, ndipo zikhoza kusinthidwa mu ndalama, izo ngongole ndi ndalama ku banki kwa mwezi ambiri chimodzi; conventionally malonda sheya; mfundo zina (kuphatikizapo chuma chosaoneka ndi maso).

chuma Illiquid - N'zokayikitsa mangawa; overdue ngongole; Msungidwe mu malo, nyumba ndi maofesi a banki; sinalembedwe sheya.

Kukhala liquidity a banki sangathe kuukitsa ndalama mu yochepa ndi yaitali malangizo njira.

Liquidity a mabanki malonda (mlingo) kuchita ndi imawunikidwa amayerekezera ntchitoyo liquidity zake anakhazikitsa Bank Central, Russia malamulo.