The capitalization wa gawo - izo amapereka Investor?

Mu kuwerenga osiyanasiyana gawo mankhwala anapereka mabanki, ofanana oti "capitalization a gawo lapansi." Kodi izo, ndi mapindu otani kuti akulonjeza depositor, muyenera kudziwa aliyense yemwe ati kulowa pangano chopereka ndi banki.

Ndondomeko ya padera ndalama chidwi molungama pa chilinganizo yosavuta kapena zovuta. chidwi Simple kuchita masamu ndi kuchulukitsa chiwerengero cha gawo pa mlingo adzabweranso. Nagawira nambalayi ndi 100, mukhoza kuona ndalama, amene kwaiye gawo yosavuta.

chidwi pawiri kuchita masamu mosiyana. Accrued chidwi kwa nthawi yeniyeni kuphatikiza kwa gawo lalikulu ndipo kudzikundikira zina zinachokera pa kuchuluka kuchuluka kwa gawo lapansi. Choncho, njerwa ndi njerwa padera ndalama "akakula." mnjira nawuza chidwi pa "kuchuluka kuphatikiza chidwi" ndi capitalization a gawo lapansi. Kuti abweretse Investor - ndi mwachilungamo zoonekeratu. Apeze ndalama poyerekeza ndi gawo losavuta akhoza kukhala yofunika kwambiri, malingana ndi njira ndi pafupipafupi capitalization.

Ngati kudzikundikira chidwi zidzachitike pa nthawi yomweyo, pa mapeto a pangano gawo, ndiye izo zidzakhala zaphindu kwa Investor kuposa ndalama chidwi pamwezi. Ntchito Intaneti Chiwerengero madipoziti ndi capitalization, chamangidwa mu utumiki pafupifupi banki iliyonse, mutha kuona chitsanzo: ang'onoang'ono nthawi chidwi, ndi apamwamba chifukwa komaliza. Njira kungakhale kuganizira capitalization chidwi kamodzi pamwezi.

Kusanthula zikhalidwe ndi magawo a zopereka osiyana, n'zotheka kudziwa chitsanzo zotsatirazi: madipoziti ndi capitalization chifukwa ndi pakafukufuku adzabweranso. mabungwe kukongoza kaŵirikaŵiri pa njomba pang'ono - akufuna kuti afotokoze mmene opindulitsa pa capitalization zopereka. Kuti izi zidzatheka anthu'wo akadzamvera kuchepa chiwongola dzanja ndi mfundo kuchuluka 0.5-1, ali chete.

Mbali ina ingakhale yofunika kwa gawo lochititsa lapansi. Kuphatikiza yabwino kwambiri ya zinthu ndi magawo a gawo - izo madipoziti ndi capitalization ndi kuwonjezeredwa. Ndi kudalira bwino mwamtheradi: ndi mphamvu kuonjezera kuchuluka kwa ndalama, potero kuwonjezeka Investor chidwi chifukwa iye. Kotero, iye otsimikiza za mkulu mlingo wa ndalama zimenezo gawo. Osati udindo wotsiriza, ndithudi, masewero maofesi ndalama akuti ku banki pa chidwi.

Choncho, popeza kuti ayankhe funso la mmene opindulitsa chopereka capitalization, zinali phindu bwino ayenera Komabe mwatcheru kusankha mtundu wa gawo. Njira yabwino Investor ndi mawerengedwe yeniyeni ya lopeza sonyezani, amene adzakhoza kuti munthu wogwira ntchito ku banki ndi kasitomala munthu ku bungwe ngongole. Ndiye, zochokera manambala enieni akhoza kusankha komaliza. Kuphunzira mosamala mawu onse a mgwirizanowo, molondola ndi kusunga pamene kuwerengetsa chidwi - chitsimikizo kuti Investor chipindulitse.