Ndi gawo mu banki chiyani? Kodi kutsegula yopindulitsa gawo kubanki

Mtundu ambiri Msungidwe mu mayiko ambiri pa dziko - ndi banki gawo, amene atchedwa zachuma terminology gawo. kusankha Ichi ndi chifukwa mofulumira ndipo mofulumira chitukuko cha chuma ndi ndalama. Kodi gawo kubanki, ndipo n'chifukwa chiyani otchuka? Kupezeka mwamsanga ndi chomasuka njira ndalama, kusamala ndi kuwongola ndalama amakopeka ndi nzika wamba. Koma anthu ochepa akhoza kwenikweni kupereka yankho zochuluka funso, kodi gawo kubanki. Ndipo ndi maziko a kulemba zachuma.

Kodi angatchedwe gawo banki?

Gawo - uyu watumidwa ku banki kuchuluka china cha ndalama waikamo. Patapita nthawi zina nthawi ndalama ziyenera kubwezedwa. ndi gawo mu banki chiyani? Si ndalama zokha. Vlad kungakhale sheya, premiums, ndalama, zitsulo zamtengo wapatali, ndipo ngakhale malo. Ngakhale popanda kudziwa zenizeni mu chuma ndi chuma, n'zosavuta kuti aziona zinthu pa msika kuti kudziwa zinthu zosiyanasiyana zokhudza mavuto athu azachuma derali. Zingatanthauze kuti zonse ndi losavuta: Upange kuchuluka chofunika mu banki anasankhidwa, ndipo dikirani chabe kwa tsiku lomalizira ndi kusonkhanitsa chidwi. Ndalama, ku mbali yaikulu, amafuna kuona cha utumiki kwa iwo, womwenso ndi chiwongola dzanja sichinasinthe. Kodi zikutanthauza chiyani? munthu akufuna kukhala madipoziti banki ndakuwonetserani, ndiko kuti, pa nthawi yoyenera kuti ndalama zonse, kuphatikizapo chidwi, amene amakhala ndi phindu. Munthu wamba mu msewu safuna zinthu zachuma akavalidwe. N'chifukwa chake madipoziti ndi wotchuka ndi wolemekezeka.

Zotsatira za kufufuma

Ngati munthu akufuna kuthetsa mavuto anu onse chuma mothandizidwa ndi chopereka, ndiye izo kudikira mwala a. Kwenikweni pafupifupi banki akupereka chiwongola dzanja pang'ono zosakwana kapena kukhala wofanana ndi mlingo wa kufufuma. Kodi zikutanthauza chiyani? Ngati mwaganiza kutsegula gawo kubanki, ndiye kukonzekera, kuti kufufuma "adzadya" pafupifupi onse phindu. Mwachibadwa, gawo banki akhoza kwambiri m'mbuyo ndondomeko, koma pa nkhani ya likulu augmentation gawo ogwirizana. Koma musataye madipoziti ndi kuderera iwo. Ambiri amalonda zakale ndi bwino ndipo ndalama mwanjira kugwira mbali ya ku likulu lawo mu mawonekedwe a madipoziti banki. Pankhaniyi, monga kusankha ali malinga ndi njira ndalama, womwenso kuopsa oyembekezeka n'kubwerera mwina. Monga amadziwika, gawo banki - ichi ndi njira imodzi otetezeka yopeza ndalama.

Ambiri m'mayiko otukuka pali mabungwe wapadera ndi ndalama, ndiwo guarantors ya kubwerera pa ndalama kwa makasitomala likhoza kulephera banki. Chinthu ichi tiyenera kuziganizira ndalama novice. Musanayambe kunyamula ndalama yanu kwinakwake, muyenera bwino kumvetsa zimene mabanki, ndalama, madipoziti, onani mavoti chidwi Makampani, kuti timudziwe bwino akufuna chilungamo, chiwongola dzanja ndi mawu a madipoziti. mfundo zoonjezera akhala akugwira mu mapangidwe ndalama mbiri.

kuitana gawo

Pali mitundu iwiri ya madipoziti banki - akuti ndi kufunika madipoziti. Akamanena za izi kuti kutapa ndalama nkhani kungakhale pafupifupi nthawi iliyonse. Komabe, pali drawback kwambiri ya dongosolo chotero - ndi chiwongola dzanja ndi otsika. N'chifukwa chake ichi mtundu wa gawo ali anthu osatchuka ndi opanda pake.

akuti gawo

Mtundu wa ndalama amakhala ndi mlingo wapamwamba chidwi. Phindu mu nkhani iyi zimadalira nthawi ya chopereka ndi ndalama. Likulu kwambiri kupezeka kupita pokongoletsa, ndi apamwamba adzakhala kuchuluka phindu lapansi. Kodi gawo mu banki, amodzi akuti ndi zimene ali kuipa? A drawback kwambiri ndi kutapa ndalama nthawi iliyonse, inu simungakhoze. Kapena kodi n'zotheka kudzaza anaonetsera kuchuluka. Koma mawu a mayikidwe ndi lonse kwambiri - kuchokera masiku angapo makumi. Kukopa makasitomala mabanki akupita kugonja. Mfundo yofunika ndi kuti amaloledwa kutenga kuchuluka kwa gawo la, koma kudziikira malire ena. The chiwongola dzanja adzakhala osiyana gawo akuti, koma ali ndi mphamvu recharge.

Ndalama gawo Kusinthaku

Masiku ano, n'zosavuta kuchita ndalama mu ndalama osiyana kwambiri dziko. Komabe, m'mayiko onse, madipoziti wotchuka kwambiri ndalama dziko, yuro ndi dollar US. madipoziti ndalama zakunja zambiri amadwala m'munsi chidwi ndipo chotero, kupanga zochepa ndalama. Pakali pano, zambiri kutchuka wabweza madipoziti multicurrency. Iwo yodziwika ndi kutenga nkhani iliyonse ndalama payokha. Nthawi zambiri, madipoziti amenewa unakhazikitsidwa pa maziko wa kunyalanyaza gawo la - amaganizira bwino osachepera ndi luso recharge. Mbali imathandiza kwambiri ndi yomasulira ndalama lina ku panopa Kusinthanitsa kwa ndalama pa interbank msika. Chidwi pa madipoziti ku mabanki ndi ntchito yofanana nthawi anasankha munthu mmodzi wina kasitomala. Izi zimapangitsa Mipikisano athandizira otchuka pakati amalonda, osinthitsa ndi ogulitsa m'misika kuwombola yachilendo.

The chiwongola dzanja mu gawo banki

Mapangidwe mbiri ndalama m'pofunika kudziŵa mfundo zofunika kwambiri. Pali mitundu iwiri ya chiwongola dzanja - akuyandama ndi lokhazikika. Woyamba angasinthe mchikakamizo cha mabungwe a zachuma anthu, limene zonse msika. Izi n'zimene mlandu zinthu zosiyanasiyana - onse chuma ndi ndale. Mlingo atathana wayikidwa mwachindunji ngakhale pa kusaina mgwirizano kumayambiriro kwa nyengo ndipo adzakhala lomwelo nthawi zonse mpaka mapeto. Mu akuyandama banki ayenera kuonetsetsa kuti zimene ndalama zimene osachepera, koma mwapadera kulosera za mlingo wa ndalama ndi zosatheka.

M'pofunikanso kutchula mawu akuti "capitalization". Zikutanthauza kuti ndalama ndi kupereka, kodi kuganizira kukula kwa gawo la kuphatikiza chiwongoladzanja zimene zinatsala kuti mbali zina za nyengo. M'pofunika kuganiza kuti capitalization mu mapulani a mbiri awo ndalama ndi kuwerengera Mwina phindu.