Ndalama malo a banki monga chitsimikizo cha kudalirika ake

Chifukwa cha banki mu malo oyamba amagwirizana ndi olondola "kusewera" pa mlingo kuwombola. Ndipo popeza ndi masewera, pali wina ali woluza. Komabe, mu nkhani ya Bank, amadwala si iye yekha, komanso ogula. Choncho, Investor, ngati wina aliyense ayenera kuchita chidwi ndi zomwe ndalama malo a banki, chifukwa kwa icho kudzadalira zomvetsa zotheka zokhudzana ndi kusintha mlingo kuwombola. Ndipo zingamvekere zonse za zotsatira zake!

Nanga yachilendo malo ndalama, ndiponso mmene dzuwa ntchito ya gombe la?

Choyamba, ndi chiŵerengero zodzinenera ndi ngongole, masamu pa osiyana wotuluka ndalama zimene umabereka. Pankhaniyi, izo zikhoza kutsegulidwa ndi kutsekedwa. Open ndalama malo zikutanthauza kuti chiwerengero cha imeneyi ndalama zobwezera ngongole ndi sizikugwirizana, ie, mu nkhani ya kusintha kusinthitsa ndalama zake, banki adzauka phindu kapena imfa. Kusiyanitsa yaitali ndi waufupi lotseguka ndalama malo. Ngati ndalama malo - yaitali, nkhani olandila a banki kuposa nkhanizi, mwachitsanzo adzapindulire mwa kuchuluka kwa mlingo nzeru ndalama zakunja, ndi woluza - pamene iwo umagwera. A malo lalifupi, nayenso, kumakhala zosiyaniratu: ngongole banki kuti angongole ake kuposa zofunika amangawa ake, choncho ndi bwino osati kukula ndi depreciation.

Ambiri, ndithudi, ndi kumuona bwino udindo ndalama zakunja chinatsekedwa: ndipo alibe nkhawa mavuto alionse Komabe, kodi ndiye kapezeni anakhumba phindu apamwamba? Ndithudi, izi ndi phindu nkhambakamwa chabe, imene pali masewero skilful pa mlingo kuwombola ndi kuti si wolimba. Koma musawafulumizitse kudandaula, chifukwa boma nthawi kukula pazipita malo lotseguka banki, malingana ndi kuchuluka kwa chuma chake. Komanso, kubanki ndi chidwi tanthauzo lolondola la ndalama chiopsezo, choncho, ndi oyang'anira kusintha zinthu msika.

Ndipotu, ngakhale koipa angakuchitireni kwa banki sikungawononge inu ngati kasitomala wake ndi Investor, chifukwa ngakhale mu nkhani iyi, gawo zanu linaperekedwa kwa inu pa ndalama za malo thumba la banki kapena ovomerezeka. Komanso, Bank mosalekeza oyang'anira ndi Zoneneratu wa mphamvu ya mitengo kuwombola, amene amagwira ntchito. Komanso ankanyamula recalculation zonse za malo lotseguka ku malo chatsekedwa mwa ngongole kutembenuza ndi chuma woyamba wa ndalama momasuka mpandadenga, ndiyeno ndalama dziko. Mu 2012, Bank Central, Russia wasonyeza kuti lotseguka ndalama zakunja malo sangathe kupitiliza kukula kwa likulu banki ndi oposa 10%, ndi kuchuluka kwa maudindo lotseguka - 20%.

Monga Tingaone Chiwerengerochi, ndalama kukhudzana ndi mwamphamvu reguliruktsya boma, ndi zinthu kumene chuma ndi ngongole ndi ndalama si wolingana ndi mzake, ali woyenera mwapadera, kotero mabanki 'makasitomala panalibe chifukwa nkhawa. Komabe, werengani panokha munthawi yanu pa banki, poopa kusinthasintha kwa ena ndi mitundu udindo banki ndi ndalama inu motsimikiza siyingawapweteke!