Management zotsatila za chuma za banki malonda pansi chiwembu cha

Mu malo kwambiri zazikulu za chuma zamakono gawo banki ndi chimodzi mwa kukula yachangu, ndi tichepetse wa ntchito ndalama - mmodzi wa zinthu zazikulu kukula. Modern mabanki malonda pafupifupi 200 mitundu ya chithandizo - mankhwala ndi ntchito. Chotero osiyanasiyana ntchito banki ndipo amasonyeza njira yaikulu sayansi kuphunzira kubanki. Koma pamaso kuwona mbali zosiyanasiyana za ntchito za mabanki, m'pofunika kukhala pa kulingalira funsoli, monga chitsanzo cha kasamalidwe banki, popanda kugwira ntchito bwino ndiponso zogwirizana zomwe n'zosatheka kusonyeza ulamuliro ntchito ndalama ndi ntchito banki zipatso. Kuti wothira mafuta limagwirira wa zimachitika pakati kulamulira matupi, kasamalidwe, m'madipatimenti osiyanasiyana ndi antchito, bungwe woyenera wa kasamalidwe ndalama mu ogwira ntchito, ndilo mawonekedwe enieni a banki malonda, ndiye poyambira wa kupambana. yomanga awo zolondola n'kofunika kwambiri m'nthawi ya kukhalapo kwa banki ndipo amapereka kayendetsedwe ka nchito ya Zotsatira za chuma.

Monga ulamuliro, kasamalidwe ambiri ntchito Bank wa panopa ndi Board Management lapansi. udindo wake udindo woyang'anira zinthu monga:

- mlandu, malipoti, amazilamulira mkati;

- zotsatira malonda ntchito, komanso kasamalidwe za chuma ntchito;

- chonse kasamalidwe ka chuma zotsatira;

- Powunika kukhazikitsa malamulo mkati ndi kunja;

- chiphasochi chiyanjo cha zipangizo, malipoti ndi audits;

- review amasangalala ndi malipoti a ntchito zosiyanasiyana ndalama ndi zinthu zina.

- asilikali, maphunziro, mayikidwe ndi chitsimikizo cha anthu ndipo ena.

Ntchito imayenera zosowa banki kuti mukazindikira malo zinchito antchito onse, komanso ubale wawo mwa gombe. Aliyense wogwira ntchito banki ayenera bwino kudziwa malo awo pa kayendetsedwe zinchito za dongosolo banki, zikuoneka kuti chikuyembekezeka kutsogolera zimene ntchito yake ndi maulamuliro, momwe kumanga ubale utumiki.

Iwo anazindikira mwa yomanga zojambula za kasamalidwe kapangidwe ka banki ndi kugwirizana mkati dongosolo, malamulo wodzilemekeza, malangizo ndi ntchito boma. Ntchito yomanga ake n'kofunika kuganizira kuti muyezo matchati gulu kulibe, pakuti uliwonse banki malonda mu wapadera ake, dera ndi okhawo contours kwambiri ambiri a chitsanzo cha gulu la kasamalidwe gombe, ndipo ayenera zovuta kumvetsa ndi sangachite monga muyezo ongolankhula . Kawirikawiri, pamene pali mavuto kupanga gulu tchati amati ndi zilema bungwe, kuti pali mfundo yakuti pa nthawi, matabwa ake akhoza kukhala inefficient ndi wolemera. Pokonza chiwembu banki, ziyenera mosamala, izo adzapeza zokwanira ulamuliro mchitidwe ndondomeko banki Apeze mizere ya kudalirana ndi ubwenzi mwa gombe.

Monga zitsanzo kwambiri zomangamanga chojambula, pali zabwino ndi zoipa mbali. Chiwembu amalola wantchitoyo banki kumvetsa kusintha kunachitika banki, zikhoza kugwiritsidwa ntchito ngati Chinsinsi zotheka wotsatira ziŵalo m'tsogolo kupereka kasamalidwe bwino zotsatila za chuma.

Pakati pa kuipa ntchito zomangamanga chojambula akhoza kuwasiyanitsa. Bank nyumba chiwembu mofulumira kukhala achikale. Komanso mu dera ziri kovuta kusonyeza chibale mwamwayi. Mapulani ali okhwima ndi amaonetsera njira khola ndi mwamawonekedwe kulankhulana. Monga tanena yomanga chojambula limasonyeza utsogoleri ndi banki ziyenera wodzilemekeza ndi mitundu yosiyanasiyana ya malangizo, ndipo izi zingathe kubweretsa mavuto aakulu kuonetsetsa tichepetse chikalata akagwira a banki wonse.

Childs, banki gulu chitsanzo zachokera pa mfundo za subordination zinchito, chifukwa ambiri a iwo chonse, ndi iwo yodziwika ndendende izi kapangidwe ka gulu.

Chifukwa chakuti aliyense chitsanzo ichi ali ubwino wake ndi kuipa kwake, zomangamanga ake amafuna kuti antchito banki anali rationally bungwe, ntchito ogwira ntchito ulamuliro. Pangani ndi kapangidwe ka gulu ndi njira ntchito za kasamalidwe banki.