Ngongole Financial: kusanthula dongosolo. Ngongole - izo ...

Ngongole - ndi ntchito kuti kupanga zinthu banki. ndi ofunika kwambiri kwa aliyense kukhazikitsidwa malonda. Choyamba, kudalilika Chinthu ndi mtendere wa chuma banki, dongosolo lawo ndi kukula. Chachiwiri, kuchuluka kwa ndalama zingamvekere mtengo wa chuma. Chachitatu, ndalama m'munsi njira Mzimuyo kuchuluka kwa wotuluka zambiri, ndipo zimenezi kubweretsa ndalama ku banki.

Lingaliro la udindo wa bungwe ndalama

Ndi chiyani icho? ntchito chabe mbali zofunika national ntchito zachuma ndi chikhalidwe: kusonkhanitsa mongoyembekezera ufulu ndalama za anthu ndi mabizinesi, umene zosoŵa za chuma ntchito ndi likulu mapulani kupanga ndalama ndalama (ndalama) mu malonda kupereka ngongole kwa anthu. Ndalama kuchokera madipoziti ndi sheya ngongole mwina pang'ono kuphimba zomvetsa ku kufufuma, chiwerengero.
Bank ngongole ali motere: gawo umafunika, phindu, katundu mayina likulu. Iwo mulinso magulu ena. Izi - zina ndi kusunga likulu, katundu ndalama, anapitiriza zasungidwa, madipoziti banja.

Kapangidwe ka ngongole

Ife tsopano mutembenukire kwa tinafotokoza mwatsatanetsatane za gulu la chuma mabungwe a zachuma. Bank ngongole anawagawa m'magulu awiri.

The choyamba - ndi ngongole ndalama bungwe ku mabanki ndi ngongole ndi ndalama (otchedwa wotuluka ngongole chabe). Apa zonse zili bwino. Malinga ndi ntchito ya Bank akuchita ngati wobwereka, ndi makasitomala - angongole.

Gulu lachiwiri zikuphatikizapo zoletsedwa kupanga zawozawo kuti sitingafunikire kutero alipire. Apa wophweka kwambiri. M'mawu ena, n'koyenera komanso anabwereka ndalama.

Analysis wa ngongole mabungwe a zachuma ndi ngongole

Kodi cholinga chake n'chiyani? Pendani ngongole mabanki 'kudziwa malo awo mu dongosolo la mabungwe a boma ndi ena. ngongole Financial monga kuyerekezera ntchito ananeneratu ndi makhalidwe awo kamangidwe. Pamene kupenda kusiyanitsa ndalama zawo a banki kukabwereka "sanali banki" ndalama. Chiŵerengero akhale wamkulu kuposa wina. Ngati mlingo uwu n'chozama, chiopsezo sanali alipire likulu adzakhala padera ndi ndalama kubanki.

Management wa bungwe la ndalama, kafukufuku ndi ziwerengero mkati, komanso zatulutsidwa maulamuliro onse ndi nthawi zonse pogwira polojekiti ndi kusanthula mabungwe banki ngongole. Anabwereka ndalama ndipo chiwerengero chawo Mzimuyo kuchuluka kwa munthu kapena bungwe lina ndalama adzatenga mu dongosolo banki la dzikolo. Kuti izo liziyenda bwino, chiwerengero ichi sayenera upambana 10-11%.

Analysis lopita

Kodi ndi chifukwa chake ikuchitika? Analysis ndalama angathe choopsa chinthu kuti msika banki ndi osakhazikika. Kudzera pafunika kumasanthula ngongole banki a angayembekezere ena pachiswe. Ndipo kukhala ndi pulogalamu zina kuchepetsa iwo.
Mu kusanthula ndalama zake kuwunika zizindikiro zotsatirazi: mphamvu, kapangidwe ndi zikuchokera ngongole fanizo la ndalama zake ndi mitengo lalikulu ukonde, ndi kusintha kutambasuka kwa likulu ovomerezeka. Kupenda zinthu zikutisonyeza mitundu chabe, limatchula za kapangidwe ndi zikutanthauza magwero kupanga. Ndipo lifunika yosanthula mwini kukabwereka likulu lake. phunziro ili maonekedwe Mkhalidwe ndi kachulukidwe. Pamaziko a deta izi kudzatunga mfundo za kusintha kapangidwe ka ngongole tizindikire zimene ntchito yawo pa mwezi watha, chaka, zaka zingapo. Izi zimathandiza kuti kuneneratu za zotheka ndalama tsogolo ndi kuonetsetsa mtendere wa kumalo a ntchito.

madipoziti Kuuza mu ngongole kubanki panopa

ngongole Current kuimira sikelo ndalama kumapeto kwa tsiku malonda nkhani 'makasitomala. zatsalira izi zikhoza kukhala zosiyana mosiyana ndi ziro kukhala wofunika pazipita, monga vuto la ndalama la anthu osiyana ndi zikusintha. Kungoganiza kuti zonse mwadzidzidzi adzakhala bwererani nkhani zonse, ndipita opanda ndipo chuma panopa wa banki. Ndipotu, ngozi imeneyi ndi kochepa, chifukwa kutsegula ndi kutseka madipoziti kasitomala ndi dongosolo wachisokonezo. Choncho, panopa ngongole - osakaniza zosintha mwachisawawa ndi wodzilamulira mu nkhani okwana.

Kusintha kwa ndalama "lalifupi" "yaitali"

Izi zachitika mwa kulemera kwa okwana thandizo ndalama "lalifupi" chifukwa m'malo chuma amene anapuma pantchito. Chifukwa mu zotsalira kapena incompressible buku la ngongole panopa kuti mabanki ayenera kuchita zimenezi pa zochita zawo. Only mu nkhani iyi, akhoza adzaikidwa mu chuma okhazikika ndi zinthu zonse (chuma ukonde). Ndicho chifukwa chake ndi chofunika kuti kubwezeretsa mosalekeza nkhani panopa ndi kuwonjezeka awo anapitiriza.

Kukopa ngongole panopa

Ngati pali ponso buku la ndalama nkhani makasitomala, kotero kumawonjezera mlingo wa chikhulupiriro mwa gombe, choncho palibe chifukwa kukuza mitundu ya utumiki kwa anthu. A mbali yofunika ndi ankaimba ndi "kutali-bwino" kulekana kwa mabungwe a zachuma ndi ngongole. Mawu oyamba a unyinji wa makadi pulasitiki ndi machitidwe osiyanasiyana malipiro amalenga zabwino chifukwa chofunsa mlingo wa ngongole panopa.

The Bank amalipira mwapadera kuti kuwonjezeka ndalama pa kufunika mwamtheradi magawo onse a makasitomala (anthu ndi mabungwe alamulo). Kuwonjezera "khadi" ntchito, akuyendera zosiyanasiyana "malipiro", "penshioni" ndi ena. Iwo, okwana kupanga gawo chapadera cha ngongole panopa. Imodzi mwa mbali mwa likulu chiri motere: ndi mbali ya chuma ndi wotsika mtengo, kulola banki kupanga chidwi malire kwambiri. Waukulu "wotchipa" mabungwe gwero ali basi ngongole panopa, monga iwo amathandiza kuchepetsa chiwongola dzanja pa akubwereketsa ntchito.

mitundu ngongole

Popeza ngongole - izo ndi udindo amakampani (ndalama), iwo anapanga likuvutika ngongole. Pa nkhani imeneyi, kusiyanitsa pakati pa ngongole yochepa yaitali, malingana ndi nyengo ya ngongole. Kodi amasiyana mzake?
ngongole Current zikuphatikizapo alipire wa ngongole nthawi mpaka chaka chimodzi (mwachitsanzo, banki overdraft, Kuyamikira zosiyanasiyana malonda).

Yaitali ndipo akhoza mudzalipidwa patangopita zaka zochepa (ngongole kubwereketsa, ndi mitundu yosiyanasiyana ya ngongole).

Ngongole mu pepala bwino

Ngongole - ndi mbali yofunika ya pepala bwino. Amaonetsa malisiti onse a ndalama kubanki. ngongole Current kapena yochepa mu pepala bwino ndi tanenera. Iwo akhoza kukhalapo mwa mkombero kupanga umodzi. onse pano. Choncho, ngongole yaitali akutsatiridwa mu dongosolo kupanga kuposa wina. Chuma ndi ngongole mu pepala bwino ayenera kukhala mu muyezo, ndipo kusiyana ndalama zawo - ndi likulu (chilungamo) kwa mwini kampani. Ichi ndi chizindikiro zofunika kwambiri. Anati phindu angasonyeze ena likulu la mwini, ngati pali kugulitsa katundu onse, ndi ndalama adzapita ngongole. M'mawu ena, ngati katundu wa - ndi mtundu wa chuma, ndi ngongole ndalama - likulu likuvutika amene anapanga ndi chuma ichi.
Onse chuma ndi ngongole mu muyezo pepala la kampaniyo. Linapangidwa aliyense mwachindunji (anatsimikiza) nthawi.