Nkhani mtolankhani

Mtolankhani nkhani - ndi mtundu wa nkhani zimene banki amatsegula bungwe lina ngongole kapena dipatimenti Bank ku Central kuti tithe kuonetsa anapezazo ndi ikuchitika ngati bungwe ngongole m'malo ndi likuvutika banki.

Base kwa wotuluka nkhani ya mtolankhani ndi yoyenera mtolankhani pangano anamaliza pakati pa chidwi mabungwe ngongole.

Mu mgwirizano umenewu adzakhala kupanga anapezazo, ndi kuti kulankhulana ndi mode ochuluka, ntchito ndi ufulu wa gulu lililonse, udindo ndi ziletso kwa kuswa udindo contractual, zikhalidwe chopezera ndalama pa ntchito nkhani ya mtolankhani, kupereka wanthambo, positi ndi ndalama zina, nthawi ndi limagwirira oyambirira kuchotsa, etc.

Nkhani mtolankhani Bank ndi imodzi mwa mitundu ingapo:

• Nostro. Izi ndi nkhani makalata m'dzina la woyankha banki (bwana), yomwe imatithandiza kumveketsa mu mtolankhani wa banki ndipo anazindikira muyezo wa Chinthu choyamba.

• Loro. Izi chifukwa panopa, amene anatsegula ndi mtolankhani banki ku banki yake woyankha ndipo ananyezimiritsa mu ngongole ya muyezo pepala ake. Loro mtolankhani chifukwa bungwe lina ali pa yomweyo chifukwa nthawi nostro pa mtolankhani wa banki.

• Vostro. Ichi ndi chifukwa cha banki zakunja mlendo banki, yomwe imatithandiza kumveketsa kapena zakwawoko kapena ndalama za dziko lachitatu. M'mawu ena, ndi nkhani yomweyo Loro okha agwiritsidwa kwa lachilendo banki mtolankhani.

Mtolankhani banki chifukwa kwenikweni ake chuma ngati gawo kufunika gawo. Pa ntchito izo akufanana nkhani panopa wa bungwe, koma amaganizira za peculiarities ntchito ya kubanki.

Nkhani zimenezi mabanki malonda kugwira onse amakopeka ndi mwini ndalama zimene mongoyembekezera ufulu pa mphindi. Mtolankhani nkhani atagwira mwachilungamo amasonyeza osiyanasiyana wotuluka.

Choyamba, ndi kukhazikitsa ntchito pa ndalama, ngongole ndi kuthetsa ndi utumiki wina kasitomala wa banki. Izi zikuphatikizapo kusonkhanitsa ndi remitting ndalama chifukwa kugulitsa katundu ndi ntchito zosiyanasiyana, komanso kupereka msonkho, ntchito ndi mitengo, wokhala mokomera bajeti, kampani ya inshuwalansi, ndalama si bajeti, ndi ena.

A mbali zina za ntchito okhudzana phwando ndi yobereka wa makasitomala omwe ankabwera ndalama zolinga ka boma ndi chuma ndi issuance a mabonasi ndipo malipilo a wogwila ntchito. Komanso pa wotuluka timva nkhani mtolankhani zokhudza kugula kapena kugulitsa masheya, ndalama kapena kulanda amafuna malo, komanso ntchito pa madipoziti interbank ndi ngongole. Komanso, nkhani zimagwiritsa ntchito kusonyeza ntchito bizinesi ya gombe, mwachitsanzo, kwa ndalama zaboma, malipiro kwa bajeti. Komanso, chifukwa ndalama iliyonse owonjezera, etc.

Pambuyo kusaina pangano pakati pa magombe mtolankhani mu aliyense wa iwo kutsegula akaunti mtolankhani, ikuchita kuchuluka kwa ndalama. Pa chiphaso cha woyamba banki kuti malipiro kasitomala kusamutsa ndalama mu nkhani mnzake mtolankhani banki, izo debits kuchuluka lolingana nkhani makasitomala ndi kusintha kwa mtolankhani chachiwiri nkhani banki. A banki chachiwiri zimapangitsa kulanda ndalama pa nkhani ya woyankha banki kuti nkhani ya wolandira chomaliza cha ndalama.

Childs, kuchuluka mu nkhani nostro ndi vostro imachitika mogwirizana ndi pangano mtolankhani pakati pa magombe awiri, kukhala ofanana pa nthawi ngati malipiro kawirikawiri "kudzakhalire". Komabe, izi sizikutanthauza kuti munthu wina banki akuyamba kukongoza wina pa mapangidwe kusiyana kwambiri pakati pa ndalama mu nkhani. Izi vutoli limagwirizana mtolankhani Nkhani RCC.