Lingaliro la "dongosolo banki": kusintha kuchiyambi

Mwatsoka, mfundo za dongosolo banki ndi inertia kupitiriza correlate ndi chuma mu kusamba. Osati mophweka. kukhazikika kunja, mwina, pali awiri mlingo mfundo ya zomangamanga ake (ntchito chiphatso mabanki malonda 'ndi Lamulo Bank ku Central). The zili dongosolo lomwelo, kuphatikizapo ntchito 112 yaikulu kwambiri zokhudza zonse mabanki, tsopano ayima pa pakhomo kusintha kwambiri.

Ngakhale Zoneneratu akumane cha 2013, zokhudzana ndi kuchepa mu akubwereketsa mabuku mwachangu kukhala njira yatsopano. Choncho, mfundo "dongosolo banki" lero si malo amodzi. Kodi kusintha zipangizo zake. Kusintha chitsanzo ali wotopa yokha. Dongosolo banki ndi mbali ya chuma cha dziko, anapita pa mzere ziziyenda chuma. Amenewa amanena mawu boma mwa zinthu dziko mu zoyambirira za 2007, mlingo chuma 1990

Pa gawo lino, kumakhaladi mmishonale kupereka liquidity mu gawo mafakitale. Kufunika kusintha mfundo ndiponso zinthu za dongosolo banki lodziwikiratu. kusasiyana ndalama ku umisiri wotsogola ndi yofunika kuti ntchito zokhudza mabanki. N'zolimbikitsa kuti zothandiza umenewu kale. Kuthetsa "mwankhanza malekezero" pa njira okhwima ndalama, kuchepetsa kupanga zoweta, kusintha mfundo ndalama. Lingaliro la "dongosolo banki" Posachedwapa kusinthidwa ndi njira yatsopano ya "pachimake mlingo" chigawo 5.5% lero. Yerekezerani opaleshoni refinansirovniya mlingo - 8,25%. Njira ya mogwirizana ndi mlingo watsopano chuma cha dziko akupangidwa.

Pa nthawi yomweyo tikulalikira ndi "deliberizatsii" T. E. Chikukula boma okhudzidwa mu gawo la kubanki. Umboni wa zimenezi - zikamera a mabanki oyang'anira tauni.

N'zotheka pakhale miyeso yolinganizira a dongosolo banki m'banja atha kutumikira ngati gawo banki China. Ife pafupi chitsanzo ichi, ngati kuumba a boma ankalamulira banki likulu - 60%. tanthauzo ndi lodziwikiratu. Pofuna kuthetsa vuto la zachuma zomwe zikutsalirazi kufunika zinachitikira easing wa chiwongola dzanja, mitengo m'munsi ngongole, "zofewa" ndalama lamulo. China zotsatira wodziŵa: mlingo wa kukula kwa 2006 - 9,5%, ndipo ngakhale tsopano, pakati pa mavuto padziko lonse, "thambo kumwamba" chifukwa Western malonda - 8%. Modernized maganizo "dongosolo banki" anzathu a kum'mawa ndi mfundo ziwiri. Choyamba, ndi bwino kumatanthauza ndi anatchulidwa m'boma dongosolo kubanki. Bukuli lili ndi boma 4 mabanki (Bank of China, Industrial ndi malonda, Yomanga Bank, ulimi Bank). Chachiwiri, "msika" zigawo zake, si "anamanga pa bwinja la" anthu komanso mogwirizana analenga kuwonjezera woyamba. Komanso kuliganizira osati "yojambula" ndipo mchaka zinachokera mabungwe msika.

N'zochititsa chidwi kuti panopa Russian banki chapakati amayamba kusonyeza zaphindu udindo wa boma mwachibale kwa katundu likulu Russian.

Iwo anafuulira kufunika yesa ndi chimaonekera ndipo zomveka ndalama lamulo. Munthu akhoza kungowauzira kumbukirani "mwadzidzidzi anawona" kucheza Sergeem Ignatevym oletsedwa outflow likulu mu chaka chathachi wokwanira 48-49 bln. Madola. Kawiri kuchuluka (akuti alonda yazamalamulo ndi Interpol) Wobisa "mitengo" machenjerero outflow katundu-inatha!

Koposa chidwi chikuperekedwa pa ntchito ya 'ana aakazi' a mabanki akunja. Chitsitsimutso cha ogula ngongole mu chaka chathachi - mchitidwe awo. The kuumba likulu yachilendo m'mikhalidwe yabwino msika ananyamuka April 2012 mpaka 31%!

chakuti "mabanki akunja" kuthandiza boma, kutumikira kufalitsa ndalama, mopanda kukaika. Komabe, masiku ano "Mwana" chimaonekera kwambiri ndi ukonde borrowers a msika Russian, kuthetsa vuto la "mtundu" kholo nyumba zawo Western, zolimbikitsa ndi outflow likulu kudzera kukongoza osakhala anthu. Monga mukuonera, mfundo "dongosolo banki" ndi skewed ndi outflow izi.

Zonse zimene pamwamba pa "ndege" likulu mwalamulo analengeza, ndithudi, sikuli chabe. N'zoonekeratu kuti mapeto a nthawi Transitional ndi mapangidwe osewera zikuluzikulu msika chabe "nthawi" kwambiri kuthetsa kusiyana izi. Komabe, ife tonse tikudziwa kuti ndi limene lachititsa negativity izi. Chongopeka anapanga "ndi dzanja waukulu" Bulu kusintha kwa lamulo la feduro pa ndalama lamulo kwenikweni chitseko msika yathu speculators ndalama ndi anakumasulani manja a likulu chigawenga.

Pomaliza, tikuona kuti kampani ali ziyembekezo kwambiri kusintha kwa dongosolo banki zoweta.