Ndalama Project monga maziko mfundo zothandiza ndalama

Chuma cha Russia ano bwinobwino zambiri akafunsa kuti, kufunika nawo yogwira mabungwe ngongole mmisonkhano ankafuna ndalama kudzera kukhazikitsa ngongole za ku banki ndalama ndi ndalama ntchito. Pamaso pa ngozi waudindo kuti ambiri ayende ntchito ndalama mu Russia, ndi chimodzi mwa zopinga zikuluzikulu mbali mabungwe ngongole ntchito ndalama, komanso amafuna chitukuko cha njira ulamuliro wawo.

Project ndalama ndi kukhazikitsa ntchito ndalama kwa wamakono wa m'banja m'munsi chuma kupanga wakhala mowonekera kudzaonekera pamene ndalama kuthetsa vutoli, mu theka lachiwiri la 2008. Kudzera Kupenda ndalama mu R F, gawo lake banki, komanso banki ndalama za ntchito ndalama za 2007-2011, amene anganene kuti ngongole kwa mabanki zoweta si bwino anakamba.

Angamulambirire wa ngongole ndalama kubanki chifukwa cha 10,4%. Mwachitsanzo, banki ndalama pa ndalama analandira kwa ndalama boma, ndi kuwonjezera, ndi pa chuma cha mabungwe apamwamba, zalembedwa mu tebulo monga winayo, koma, ngakhale, ndi ngongole kubanki ali kutali gwero kutsogolera kukula zachuma. Potaya makhalidwe abwino a ulemerero tisaiwale ntchito mosamala akulimbana chuma allocated kuti ndalama ntchito.

Tionenso deta pa mabuku anagonjera ndi mabanki ngongole nthawi yaitali kuti makampani ndi mabungwe, tikhoza kunena kuti m'dziko banki pali kusowa ndalama kwa nthaŵi yaitali kukongoza ndalama, monga mbali ya ngongole mwapatsidwa kwakanthawi choposa zaka 3% 33,0 chabe.

Kumapeto kwa 2008, chifukwa cha thandizo la boma, anapatsidwa ndalama zofunika kwambiri za ndalama mu yaitali akutsogolera mtsinje wa Russian Federation (Bank VTB, Sberbank, Gazprombank, VEB), ndipo iwo akhala lofunika pothetsa mavuto a kuchira zachuma. Ndi izi obwereketsa kupereka pafupifupi theka la ngongole zonse ndalama kuti makampani mu makampani komanso ulimi. Mu makonzedwe a kumatanthauza kusunga mapangidwe ufulu chuma yaitali mu gawo la banki, koma mabanki boma akumeneko, ngongole mabungwe ena anapitiriza mavuto a liquidity panopa, komanso amadwala ngongole yaitali kuchepekedwa.

Mavuto padziko lonse wavumbulutsa ya mavuto a dongosolo ano banki ndipo ngati mmodzi wa iwo chuma kuitana ofooka machitidwe kasamalidwe chiopsezo. Kuyambira mu 2008, ntchito ndalama ku Russia utachepa chifukwa nthawi zambiri ndi mavuto ochuluka mbali mabungwe ngongole ku ntchito ndalama. Zochitika zoipa ankapita za mangawa overdue pa ngongole. mabanki malonda mu tikukumana azachuma anayamba kusintha malamulo kukongoza, kumanga zofunika borrowers kusintha mbiri khalidwe. Pa magombe yemweyo nthawi yawo yoyamba ndi kugwira ntchito pa olipiridwa ndipo ali kukhazikitsa ntchito ndalama kasamalidwe chiopsezo, amene akutukuka pulogalamu ya miyeso odana ndi mavuto.

Experience mabungwe ngongole m'munda wa kasamalidwe mavuto ayenera amathandiza kuti chitukuko cha njira zatsopano chiopsezo kuchepetsa mu kukhazikitsa ntchito ndalama, ambiri, kwambiri kulimbikitsa kusintha kwa ndalama ntchito.

Project ndalama, komanso kuphunzira ngozi banki ndi nkhani kasamalidwe kugwirizana ndi izo, ndi zonse zoyenera, chifukwa cha kuchuluka nthawi zonse kukula thupi ndi dongosolo chiopsezo, amene kwaiye pa ntchito a bungwe ngongole, ndi zovuta kuchuluka kwa katundu ndi ntchito.