Interbank midzi ndi kufunika mu dongosolo banki

Interbank midzi zikuchitika mu nkhani kumene olandila ndi samalipira ndi zopalira Nkhani mabanki osiyana. wotuluka pakati pa mabungwe chuma nkhani mtolankhani amachitika m'njira ziwiri: mwa machitidwe centralized ndi decentralized.

pakati Cash processing

Mu Russia, zofala kwambiri ntchito njira yoyamba. Pakuti kukhazikitsa mayunitsi centralized kuthetsa kukakomana ndi CRH - Pamudzi ndi ndalama malo (RCCs). Kuti akwaniritse ntchito, aliyense bungwe banki ayenera kukhala omasuka pa malo nkhani mtolankhani mu RCC. Mugone onse pakati pa bungwe ngongole ndi banki chapakati kuti akutumikira kukhazikitsa kulanda ndalama, anagwira malinga ndi malamulo ndi nkhani mgwirizano mtolankhani.

debiting ndalama ku boma chifukwa KB kapena kulembetsa pankhani imeneyi anatsimikizira ndi Tingafinye mu mawonekedwe a chikalata pakompyuta boma kapena papepala.

dongosolo Interbank kuthetsa

Wotuluka mwa nkhani mtolankhani anatsegula ndi mabanki ena, ikuchitikira motere: woyankha banki likumaliza ndi bungwe lina ngongole ndi mgwirizano akutsegula apa ndalama. Mtolankhani banki amatsegula pambuyo polandira woyankha chikalatacho zogwirizana ndi kusaina mgwirizano. Akaunti chinatseguka KB bungwe lina banki amatchedwa "nostro". Ndipo amene atsegula bankiyo mu gulu (KB) - "Loro". mawerengedwe wapangidwa pakati pa mabungwe a zachuma pokhalabe kufanana tsiku.

Mitundu ya midzi interbank

1. midzi pakati pa magombe kudzera maukonde RCC. The dongosolo kwa kulanda ndalama ndi waukulu. Ngati lotseguka chimodzi RCC m'nkhaniyi mtolankhani, izo limachititsa ntchito ndi bungwe lirilonse ngongole ya dziko.

2. malipiro Interbank okhudza lotseguka mtolankhani. The mwayi waukulu kuno ndi kupanda intermediaries mu kukhazikitsa ntchito Pamudzi, kuzilola kuti mofulumira ndi angakwanitse kwambiri. zoperekazo interbank ikuchitika m'malo mwa makasitomala, koma popanda kulowerera kwawo mwachindunji.

3. wotuluka Interbank malipiro pa mkati mwa dongosolo banki - ntchito ndi mabungwe ena azachuma lalikulu, lomwe ndi netiweki lonse nthambi. Mtundu wa mawerengedwe limakupatsani efficiently kuonetsetsa chuma kuthandiza liquidity mayunitsi ang'ono ndi kuonjezera profitability wa bungwe ngongole.

4. kuwerengetsera Interbank ikuchitika ntchito malo kudula. Kudula - dongosolo interbank ya malipiro cashless, yomwe ikuchitika ndi nyumba wapadera kudula ndi thandizo la ndalama kupatula kutali. Mu nkhani iyi, amaganizira okha maudindo ndi zofunika - kuwerengetsera ukonde. The mwayi waukulu a dongosolo lino mathamangitsidwe ndi kukhathamiritsa wa wotuluka yapakati-gombe. Koma pamaso pa intermediaries kuti njira midzi zodula.

Mayiko mtolankhani Intaneti malonda

Kuchita kuwerengetsera amenewa ndi malonda padziko lonse mtolankhani maukonde: chandamale - dongosolo makina mu nthawi yeniyeni; OFULUMIRA - Society kwa Padziko Lonse Financial Kulumikizana pakati pa magombe; Tchipisi - Intaneti kudula (kudula) kuwerengetsera.