Mabanki malonda - ndi chida cha chilengedwe kapena patsogolo?

Atakhudzidwa pa mfundo sangathe kuperekedwa pa tsamba limodzi la malemba kusindikizidwa. Choncho, tidzavomereza zojambula ndi otalikirana olowa katundu malonda banki ndi ndalama zakunja. Kodi nthawi zonse mabanki zikukwaniritsidwa kapena zambiri adzitsitsa (pansi pa amati ndi timapepala ta zokongola malonda)? Kodi tsogolo la mabungwe anagulitsa nkhani yaumwini koma wogula? Kodi alipo woyang'anira Bank wa Central, zinthu akuluakulu kasamalidwe banki malonda?

Quick kuunikira ntchito zazikulu za citukuko

Chuma dziko chimakhala chogwidwa ndi ziwiri gawo dongosolo banki, lotsogoledwa ndi chapakati mabanki boma akumeneko. Mlingo woyamba tichipeza mabanki malonda - wothandizira multifunctional la dziko la chuma. Motsogozedwa ndi mogwirizana ndi Bank ku Central wa dziko ikuchitika ntchito za mabanki malonda. Yopangidwa ndalama (ndalama ndi noncash). Yofunika zachuma ntchito ya mabanki malonda akukongoza mabizinesi ndi mabanja. Iwo ali pansi pa ulamuliro wa Bank ku Central wa dziko wopereka ndalama kutembenuka. M'mawu ena, magombe malonda - ndi "workhorse" a zachuma, chifukwa iwo amapanga gawo lalikulu la okwana ntchito kasamalidwe ndalama chuma, yokonza nkhani zambiri makasitomala awo.

"Oipa" kasamalidwe yachilendo. strategy wake

Olowa katundu mawonekedwe a gulu la malonda mabanki kumafuna kugula mtengo azingochita ndi mabungwe akuluakulu banki yachilendo. misika wathu, iwo kubwera chifukwa cha ziwawa chidwi - chosaiwalika waukulu "wotchipa" ndi "mtengo" ndalama. ndalama zathu - wapamwamba-mtengo. mabanki wathu malonda - weniweni Klondike phindu pa ngongole. Tiyerekeze malonda "A" banki ndi zigawo zopezera nthambi 500, wakhala "Mwana" wa gulu banki yachilendo. Kodi kuganizira kuwopsyeza zotheka dongosolo banki m'banja? Pogwira kugulitsa, ndikofunika kukhazikitsa mfundo zokwanira kasamalidwe owomboledwa katundu zovuta.

Bad pamene dyera kuposa talente

Bank - dongosolo ikhoza ayenera anayamba ndi kasamalidwe chokwanira. Pazifukwa zina, magombe chapakati analola kutengeka MALONDA. Iyi ndi mfundo yofunika kwambiri. mapulani kuchepa malonda mabanki - kuopseza kukhulupirika kwa dongosolo kubanki. Apa zidule zonse zabwino: mwachitsanzo, kukwera mtengo kwa lendi. Pankhaniyi, manenjala yachilendo afika onse kuti ayenera - phindu yochepa. Koma, mabwana yachilendo sindikuganiza zokhudza kukhulupirika kwa dongosolo lathu banki, ndipo malo awo a udindo chikugwirizana ndi mawu a mgwirizano. Izi, poyamba ndi vuto lonse.

Musaiwale kuti mabanki malonda - ndi mabwana zikuluzikulu, kupereka masauzande ndalama banja. Koma kulekanitsa "A" antchito banki ndi ntchito yolembedwa, "Mwana" ndi zofooketsa, kutaya wina "workhorse" munthambi zake. Ndipo apa mu banki wathu "A" kumapeto kwa kotala anadula 20 maofesi amenewa. Pa zaka zitatu ntchito ngati mosakwanira maudindo tidzakhalabe profitability wabwino. Kodi Bank chapakati? Iye ali patali.

Indicators akatswiri kulephera kasamalidwe

cholinga Kugwiritsa pa kasamalidwe ka phindu bwana awo akunja asakhale ndi cholinga kuchepetsa chikoka cha tariffs banki a. Mfundo sanali akuchuluka mitengo akhoza ndithu bargained pamene kugulitsa bungwe. Ndipotu, magombe zoweta malonda - dongosolo kuti poyamba sayenera kunyoza zidazo.

Banki chapakati ndi boma ayenera kukhala ndi chidwi chifukwa chenicheni chifukwa zonse mwadzidzidzi madipoziti banki akhala chidwi awo kukumbutsa nkhani panopa ndi ngongole akhala sanali mpikisano cholinga. M'chigawo lonse ndi udindo oyang'anira pamwamba pa kuwonongeka kwa khalidwe la tariffs banki ayenera anayamba - maziko chitukuko zina ndi zizindikiro kwambiri "kufinya" wa ndalama ku banki, kuswa mogwirizana ake. Ngati kasamalidwe zinachititsa kuti kuwonongeka kwa chikhalidwe cholinga cha banki "A", kungakhale koyenera kwa Bank ku Central ndi popezera mpata weniweni vutoli.

Pomaliza nkhaniyi, ndikufuna kudziwa kuti mabanki malonda - bungwe tsiku lililonse ndipo relentlessly kubvutika molimbika kuti ndi chuma cha boma ndi kupeza Kutacha.