Mfundo ngongole

The ngongole malamulo a banki - ndi chitukuko cha miyeso umalimbana chikusintha ngozi kubwerera ku akubwereketsa ntchito kwa anthu ndi mabungwe ena azachuma.

mfundo Mawu kupangika pa maziko a zinthu macro- ndi microeconomic. Ndiko kuti, katswiri amaweruza zinthu m'dzikoli pa mlingo zazikulu, amanena kuti mtendere wa chuma cha dziko ndi mlingo wa thandizo makampani makamaka ndi boma. Yofunika kwambiri ndi ankaimba ndi mlingo wa kufufuma, mphamvu chiwongola dzanja ndi luso kupikisana ndi mabungwe ena ngongole pa mlingo lonse. Pankhaniyi, amaona zinthu kusintha kuti mabanki alibe mwayi.

Pali zinthu yaying'ono amakumana monga kuphunzira njira kapena asapita kwapakati pa mabungwe ngongole payekha. Mu nkhani ino kuti zinthu monga kuchuluka kwa ndalama abwereka, solvency, profitability. zolozerazi zimaonetsa bwino banki ntchito ndi kampani. Ndipo amafunika kusankha apamwamba a anthu ogwira, ngati munthu oyenerera, monga munthu wa banki amalenga mbiri.

ndondomeko Mawu ali akuyendera Pofuna kukwaniritsa achikhalire a deliverables mwatsatanetsatane, koma amaona yaikulu kupeza ndalama apamwamba zotheka. Utithandize phindu - cholinga chachikulu cha machitidwe a ntchito iliyonse. Kuganizira ndondomeko njira, mfundo ngongole zachokera ntchito yeniyeni, Pakati zodzaliyang'anira pafupi ndi ulamuliro pa kukhazikitsa njira kukuza ngongole, ndi ngongole kapena ngongole kopita kusankha.

Pamene zigawo za ndalama ngongole ndondomeko ya gombe, pali kusiyana kwa ntchito ndi malonda ndi anthu. The apamwamba mlingo ndalama zimabweretsa mabungwe alamulo, kotero wantchitoyo bungwe ngongole ayenera kuyesetsa kunena ndi mgwirizano yaitali. Komabe, si mabungwe onse angakhale makasitomala woyamba kalasi, chifukwa magombe ali mndandanda yakeyake zofunika gulu la ogula. Monga ulamuliro, i zofunika kwambiri ankaona kudalirika solvency, chilungamo, kuzindikira, kwambiri mbiri zabwino mu msika, kuchuluka kwa chilungamo likulu, liquidity ndi profitability.

Ngati ngongole ungabwere wazamalonda payekha, mfundo ngongole umalimbana kuphunzira kwa munthu makhalidwe mutu, kudziwa mlingo wa chikhulupiriro pa mbali ya kampani. ntchito yokhala kumene, masewero ngongole mbiri ya kampani tate.

Opereka ngongole kwa anthu ikuchitika malinga ndi muyezo ena. The Bank amaika patsogolo angapo maganizo osiyana a ngongole. Chifukwa ichi makasitomala amakhala ndi mwayi kusankha zinthu zabwino, kupereka ndi malipiro a ngongole ya. Nthawi zambiri kukula ndi ngongole zinthu atsimikiziridwa zochokera pa mlingo malipiro, m'badwo wa samalipira ndiponso kudalirika ukutitsimikizira kapena zitsimikizo.

Chinthu chofunika kwambiri - kuzindikira kuti malamulo ngongole akufunika kuti tichepetse kutenga zipani. Chifukwa banki, kuchita ntchito sankakhala alibe kubwerera chiopsezo chifukwa kusafuna kwawo kapena kulephera kulipira ngongole ndi chidwi thupi pake. Choncho apamwamba a chiopsezo kwambiri, kuchuluka kwa ndikupeleka adzalandira bungwe ngongole. Ntchito ndodo ndi osakaniza zomveka zinthu ziwirizi.

Ndi bungwe bwino dongosolo banki pa ngongole mfundo umamumvera nthawi yowona, monga kusintha kwa zinthu msika amafuna kusinthasintha khalidwe mabanki. Ndipo liwiro kulabadira kwawo vuto makamaka zimadalira kutchuka ndi mpikisano wa bungwe.