Ndondomeko ya banki m'msika wamakono wopikisana

Msika wamakono wamakono wopikisana nawo umapatsa njira za banki zokwanira kuti zithetse mavuto ake. Mwachikhalidwe, imakhala ndi misika yambiri: ndalama zothetsera ndalama, ngongole, kusinthanitsa ndi kusungirako ndalama. Amapanga mitundu yoposa 150 ya mabanki osiyanasiyana. Pochita mgwirizano pakati pa banki yamalonda ndi msika, chigawo chake chonse chimayamba mwazidumpha ndi malire, pogwiritsa ntchito njira zamtunduwu komanso zamtunduwu wopezeka ndi makasitomala. Revolutionary " ^yambani 180 ^о " - kuchokera ku matekinoloje oyendetsa katundu - kwa makasitomala apadera (CRM) akwaniritsidwa.

Ngati mutembenukira ku "classic", ndiye njira ya banki ikhoza kukhazikitsidwa pa imodzi mwa nsanja ziwiri: American (msika ndi kusinthanitsa dongosolo, chiwerengero cha eni eni ndi kusinthasintha kwawo) ndi European (wokondedwa, moyang'anizana poyamba).

Kupititsa patsogolo kayendetsedwe ka banki kumayamba ndi kugawidwa kwa msika ndi kuika kwa mabanki pa izo. Pokhapokha mutakwaniritsa chikhalidwe ichi, kayendetsedwe kawo mu nthawi yeniyeni idzakhala yokhoza kuyendetsa malo okwana mpikisano. Izi zikutanthauza kuti zidzasintha mwatsatanetsatane, kuzigwiritsira ntchito pang'onopang'ono, kuganizira mbali imodzi, chiwongola dzanja cha malonda, komatu - kusunga malamulo a Bungwe Lalikulu, ndikugwiritsa ntchito bwino ntchito zachuma.

Mfundo zazikulu - ndondomeko ya alpha ndi omega ya banki ndi ndalama zake ndi ndondomeko ya ngongole, kuyang'anitsitsa nthawi zonse momwe angakhalire ndi ngongole ndi katundu, ndondomeko yoyenerera ya zovuta zowonongeka pokongoza ngongole. Zomwe zili pamwambapa ziyenera kuthandizidwa mosalephera, chifukwa chidziwitso chawo chodziwika bwino chimakhudza kukhazikika kwa banki. Posachedwapa, malo omwe mabanki ali nawo akukhala okhudzidwa kwambiri pakukopa makasitomala: kugwirizanitsa malonda ndi mabungwe a boma, komanso chitukuko cha ubale.

Msika wogulitsa mabanki akugwera pansi pa msika - mpikisano wokhazikika, womwe umadziwika ndi ogulitsa ambiri opereka katundu womwewo ndi mautumiki. Njira ya banki ya zamalonda m'deralo sizingatheke popanda kuyerekezera nthawi zonse zolinga zamakono ndi zopezekapo: kuyang'ana mphamvu za ndalama zomwe zimapatsidwa (zomwe zimapangidwa), makasitomala, khalidwe la msonkho komanso ndondomeko zamagetsi, komanso ntchito ya banki. Ntchito ya banki iyenera kuwonetsa ndondomeko ya banki yomwe idakhazikitsidwa ndi otsogolera, ndikufotokozerani momveka bwino bwalo la ofalitsa omwe ali ofunika kwambiri (kuphatikizapo omwe akulonjeza), komanso madera akuluakulu ogwirizana nawo, mothandizidwa ndi zizindikiro zomwe zalinganizidwa.

Tiyenera kukumbukira kuti ndondomeko yamakono yamabanki ikuyendera kusintha. Chizoloŵezi cha kalendala (zachuma) chaka chikutsutsidwa kwambiri, chifukwa chimayendetsa njira osati mwa njira yamakono, koma mwa njira yosasinthika.
Makamaka mabanki omwe adasintha malingaliro a chikhalidwe ndi zizindikiro za chaka chatha. Amatsutsidwa ndi "njira yosaoneka", yokhazikika pa zotsatira zafupipafupi popanda kuganizira kusungidwa ndi kukula kwa makasitomala omwe amakukonda. Kuti mumange, gwiritsani ntchito njira zotsatirazi:

• Njira yowakhazikitsidwa kale;
• Njira yopangira zopempha ndi zosowa za makasitomala;
• Njira yokwaniritsira zosowa za ofuna chithandizo.

"Atsogoleri a chikhalidwe" amene akuyesera "kuwonjezeranso chirichonse" akulimbikitsidwa kutsutsa chifukwa amawopa "kuti asagwirizane ndi dongosolo".

Kupititsa patsogolo kayendetsedwe ka banki makamaka kumatsimikiziridwa mwa kukonza mapulani, njira zowonongetsera zoopsya komanso kupindulitsa kumanga malonda ndi makasitomala.

Potsirizira ndemanga yachidule ya njira zamakono zamakono zamalonda, tingathe kuganiza kuti njira yothetsera malingaliro, omwe amagwiritsidwa ntchito ndi anthu atsopano-omwe ali ndi makasitomala-posachedwa adzatha.