Makhalidwe a ngongole: mbali zake zazikulu ndi mfundo zoyendetsera ntchito

Mawu oti "ngongole" amatengedwa ndi akatswiri ochokera m'maganizo angapo. Kumbali imodzi, imaphatikizapo mabungwe onse a ngongole a magulu osiyanasiyana omwe amaphatikizapo kupereka thandizo la mabanki ena. Komano, ndi malamulo ndi mfundo, zomwe maziko onse a banki amachita.

Pakalipano, kayendedwe ka ngongole pafupifupi maiko onse akuphatikizapo magawo atatu. Mbali yoyamba ikukhala ndi bwalo lalikulu kapena dziko lonse. Icho chimapanga ntchito ya kuyang'anira zotsalira zotsalira, kuwonjezera, banki imeneyo ili ndi ufulu wopereka ndalama. Ndipo izi zikutanthauza kuti ali ndi udindo woyang'anira ndalama . Bungwe lalikulu la dzikoli likugwira ntchito imodzi yofunika kwambiri: ikusungira golidi ndi zosungirako zosinthanitsa. Nthaŵi zina, zimapereka ngongole kwa mabungwe a boma kapena mabanki amalonda apansi, ndikuyika mabungwe a boma. Ndondomeko ya ngongole inakonzedwa kuti mabanki ndi boma lichite limodzi kuti akwanitse zolinga zina, koma zisakhudze zofuna za wina ndi mzake. Mwachitsanzo, banki yaikulu ya dziko ikugwiritsira ntchito ntchito zomwe boma linapanga ndipo zanenedwa mu ndondomeko ya ndalama ndi ngongole za boma.

Mbali yachiwiri ya dongosolo la ngongole ndi ya mabanki ambiri ogulitsa. Cholinga chachikulu cha ntchito yawo ndi kulandira phindu phindu lalikulu. Izi ndizosiyana kwambiri ndi mabanki apakati, popeza ntchito zake zimayendetsedwa ndi kulamulidwa. Malo ogulitsa ngongole amagulitsa maziko a mabanki onse, popeza amachita zinthu pakati pa anthu ndi boma. Malingana ndi lingaliro la zachuma, banki mwa mawu athunthu angaganizidwe kuti ndi bungwe lokhalo lomwe likuchita ntchito zazikulu zitatu: kubweza, kuthetsa, ngongole. Bungwe Lalikulu, palokha, limasankha ngati apereke chilolezo ku banki ina. Ndipo popanda chilolezo, wogwira ntchitoyo alibe ufulu woti achite ntchito zake, ndiko kuti, ntchito iliyonse idzakhala yovomerezeka ndi yosaloledwa.

Ndondomeko ya ngongole ya Russian Federation imatsimikizira kukhalapo kwa magawo atatu, kuphatikizapo mabungwe apadera azachuma. Monga lamulo, awa ndiwo mabungwe omwe ali ndi ufulu wopereka mitundu ina ya malonda, koma sangathe kutchedwa banki mokwanira. Mabungwewa akuphatikizapo ndalama zapensheni, makampani a inshuwalansi ndi a ngongole, mabungwe osungira ndalama komanso osungira ndalama. Choncho, ntchito zawo zikuphatikizapo ntchito za banki zosiyana. Mwachitsanzo, mabungwe osungira nthawi zambiri amalengedwa ndi mabanki monga gulu losiyana ndi cholinga chopeza ndalama za chiwerengero cha anthu ndikuwongolera kufalitsa kwawo monga ngongole ndi ngongole zoperekedwa kwa kanthawi kochepa. Mtundu wa ngongole wa nthawi yaitali ukhoza kuonedwa ngati ndalama zapenshoni, chifukwa amadzipezera ndalama kwa nthawi yayitali ndi chikhalidwe cha nthawi yam'tsogolo. Koma ngakhale kuti nthawi yomwe yakhazikitsidwa siinabwere, ndalama zomwe angagwiritse ntchito zikhoza kuchitidwa mwachangu, mwachitsanzo, kupereka ngongole.

Kugawikana kumeneku kumakhala kosavuta kuthetsa mabungwe omwe alipo kale, omwe amathandiza kwambiri kuti athetse mavuto awo. Komabe, si mayiko onse omwe ali ndi ngongole ya ngongole ya ndalama . Ena amakonda kupereka ziwiri zoyambirira, malinga ndi kukula kwa chuma cha dziko. Kuwonjezera apo, dongosolo la dziko lirilonse liri ndi zikhalidwe zake. Mwachitsanzo, ku United States, pali magawano a boma m'mayiko osiyanasiyana, ndipo boma lirilonse liri ndi banki yaikulu. Kotero, dongosolo la ngongole la America pa gawo loyambirira likuphatikizapo mabanki 12 a dziko.