Refinancing - maziko a lamulo la msika ndalama ndi ngongole

Chimodzi mwa zizindikiro chofunika kwambiri banki liquidity amatanthauza zinthu zake. The mkulu mlingo wa chizindikiro izi zikutanthauza kuti dongosolo ndalama amatha kulipira ngongole zake, nthawi zonse panopa ndi m'tsogolo. Pamene liquidity, motero solvency a banki ukugwa, muyenera refinance. Izi zikutanthauza kuti Bank Boma chapakati ayenera kuonetsetsa ndalama zina molumikizana ndi ndalama chidwi.

Chikhazikitso cha System Financial Bata

Cholinga cha banki aliyense chapakati - ndi nthawi kuona kusiyana mu nthawi liquidity banki a kuchifotokoza icho ndipo ngati n'koyenera, kupeza njira kuthetsa izo. Refinancing - ndi ndondomeko kuti amalola kuti:

1. Onetsetsani Landilani ndalama chuma cha dziko likuvutika amatsimikizira ndi liquidity aliyense banki payekha.
2. Kuwayang'anira zinthu pa msika ndalama ndi atakhala chiwongola dzanja.

Komabe, nkofunika tonse timvetsetse kuti refinancing - uwu si gwero okhazikika ndalama zina kwa mabungwe a zachuma. Banki chapakati si chidwi kuthandiza zovuta bungwe ndalama nthawi zonse. Choncho, banki aliyense ayenera kufunafuna kulera ndalama zina makasitomala atsopano ndi ma sheya hoda.

zoyamba za refinancing wabwino

Kuonetsetsa mtendere wa dongosolo la ndalama la Bank State chapakati pa makonzedwe a ndalama zina kwa mabungwe a zachuma ayenera kutsatira zinthu zotsatirazi:

• A malire anakonzeratu ndi kukongoza.
• Refinancing a mabanki ayenera kukhala zogwirizana ndi mfundo womulera ndalama.
• Amafunika bungwe ndalama usakhale ndi mangawa kwa Bank ku Central ndi kutha m'tsogolo kulipira ngongole.
• Kapezekedwe ka makonzedwe odalirika ndalama zina.
• Kukula molondola za ngongole lolingana kufunika ina ya.
• Mlingo refinancing sangakhale poyerekeza kuchotsera pa.

mitundu ya ngongole

Refinancing - ichi ndi mwayi wotsiriza kwa mabanki ambiri. The Bank apilo pamene njira zina zonse kukopa ufulu ndalama akhala wotopa, ndi ngongole kwa makasitomala chete. Pali mitundu iwiri yaikulu ya ngongole: zolimbana ndi yeniyeni. Woyamba sizidzatha zida ndalama ntchito kuti aziona zinthu pa ndalama msika. Kuyamikira zenizeni ntchito ziziyenda vuto la kusowa kwa liquidity ku mabanki ena. Bank chapakati zonse msika Angagwiritsidwenso ntchito repos ndi swaps.

Limagwirira a chamoyo

Refinancing - izi ndi ndondomeko yomwe ili motere:

1. banki ali ndi vuto solvency.
2. CB ri zinthu ndi chiganizo kuti apereke ngongole, mwachitsanzo, ndi $ 10 miliyoni pa chaka.
3. banki malonda anawapatsa ndalama ngongole kwa makasitomala awo pansi kuchuluka kuposa mlingo refinancing.
4. Pa atapita limabwerera 10 miliyoni ndi Bank of umafunika.
5. Chifukwa ntchito imeneyi reallocated ndalama ndi kusintha solvency banki a.

CB sachiza mwachindunji ndi anthu, monga mu nkhani iyi anayenera kuyan'ana mamiliyoni borrowers yaing'ono. Choncho, magombe malonda zinthu monga intermediaries pakati pa iwo ndi anthu wamba.

refinancing mlingo

Malinga ndi Chilamulo Federal "Pa Bank ku Central la Chitaganya cha Russia" Bank ku Central akhoza kupereka ndalama zina kwa nyengo zina za repayable mabungwe ngongole kuthetsa mavuto awo liquidity. The refinancing mlingo - ndi chida yomwe ulamuliro chidwi pa madipoziti ndi ngongole. kuchepa ake n'kopindulitsa kuti borrowers, pamene ndalama kutaya zopeza zawo. Refinancing amachitidwa pa anatsimikiza kapena anasankhidwa zochokera njira msika mlingo.

peresenti kovuta

Mpaka 2010, pazipita kuchuluka, amene chimatengedwa ngati ndalama ndi, wofanana mtengo zotsatirazi: refinancing mlingo * 1.1. Tsopano chinthu chachiwiri wakhala ziwonjezeke kwa 1.8 kuti Ruble ngongole. Ngati mmodzi wa zizindikiro pa ngongole ya mgwirizano ayenera kukhala malipiro awiri. Pankhani zimenezi ndi ndalama zakunja, pali mlingo refinancing si ntchito. Mlingo pazipita ukhoza kukhala mlingo otaya - 15%.

Madera a ntchito mvetsetsa

Refinancing a mabanki pa mtengo ena latsopano la Russia ndi mbali yaikulu osati okha mabungwe a zachuma ndi ngongole, komanso pa nzika wamba. Makamaka milandu zotsatirazi:

1. Chidwi ndalama misonkho pa madipoziti (pa RF mlingo Tax malamulo wayikidwa kuti 35% owonjezera kuchuluka amene masamu mlingo wa refinancing).
2. Mawerengedwe a malipiro akuchedwa ndalama ngongole kwa antchito (kuphatikizapo tchuthi).
3. Yowerengera chidwi kapena chopereka msonkho (ndi gawo limodzi atatu mlingo okhazikika refinancing).

The ndondomeko ya crediting Bank ku Central a mabanki malonda ndi yang'anira yofunika ya chuma cha boma. Kwakukulukulu zimadalira chitukuko cha chuma, monga anthu amayamba kukhulupirira zinthu zawo mabanki pokhapokha ngati khola.