Bank gawo

Bank gawo kapena chopereka ndi imodzi mwa zovuta ndi otchuka kwambiri njira ya zachilengedwe ndi kuwongola ndalama anthu. Musanayambe aganyali ndalama zanu ku ina banki (kapena banki), aliyense Investor ayenera kudziwa osachepera mfundo zikuluzikulu ndalama za machitidwe a mabanki ndi madipoziti.

Madipoziti mabanki ayenera kutenga kokha pamaziko a pangano la chopereka banki, wasenza mu kulemba. Ziyenera adzanyamula kukumbukira kuti malinga ndi lamulo Russian, mabanki gawo mgwirizano kutha kulemba, adzakwapulidwa ankachitira ngati issuance wa ndalama depositor (zapadera) mabuku, ndalama (gawo satifiketi), chikalata china otsimikizira kuti aonjezere, ngati likukwaniritsa zofunika malamulo.

Kwezani ndalama kwa anthu pa madipoziti pokhapokha kulandira mabanki, otsiriza anayesedwa ndi m'gulu dongosolo gawo inshuwalansi latsopano la Russia. kulolerana Bank mu dongosolo gawo inshuwalansi ikutanthauza kuti mwambo bankirapuse ya gombe, Investor chikhale chosakayikitsa kuti athe kupeza kuchuluka kwa chuma chanu (koma osapitirira lamulo anakhazikitsa malire) potchula boma sanali malonda bungwe "Agency kwa Gawo Insurance".

Zokhudza madipoziti anthu ndi banki mobisa, osati kuti kuwuluridwa, kupatula milandu anakhazikitsa lamulo.

Pa boma depositor wa Bank adzakhala accrue chidwi mwa unsembe ndi kuchuluka zotchulidwa mgwirizano. Monga ulamuliro, kukula chidwi kulipidwa n'kofunika chopereka posankha banki makamaka. The mgwirizano wa gawo banki nthawi zonse mwachindunji chidwi pachaka, mwachitsanzo zimene kuchuluka "adzakula" ndi kuchuluka kwa chopereka kwa chaka. The mawerengedwe kuchuluka chidwi kwa nthawi malinga ndi chilinganizo chidwi losavuta :

Chidwi = S ×% × P / 365 (366) X 100%, kumene

S - kuchuluka kwa gawo

% - pachaka kuchuluka zafotokozeredwa mgwirizano

P - akuti (nthawi) chopereka mu masiku

365 (366) - chiwerengero cha masiku chaka

Terms of mgwirizano akhoza anapereka:

• nthawi (mwezi, kamodzi miyezi itatu iliyonse etc.) kulandira peresenti;
• kupeza peresenti kumapeto kwa gawo la;
• capitalization chidwi (deduction chidwi ndi kuchuluka gawo fupipafupi (mwezi, kamodzi miyezi itatu iliyonse etc.)).

Zodziwitsa malipiro chidwi ndi zothandiza ngati munthu akufuna moyo chidwi. Ndalama, otsala bwinobwino, amapereka mwiniwake ndi ndalama nthawi.

Kukonzekera peresenti pa mapeto a zaphindu ngati n'koyenera kudziunjikira wina kuchuluka, makamaka pamene chidwi pa madipoziti nthaŵi zambiri pamwambapa.

Madipoziti ndi capitalization chidwi komanso zaphindu kwa kudzikundikira. Ndipotu chidwi kuti adzakhala nthawi m'gulu ndalama wanu, aponso, adzasenza chidwi, potero kukula mlingo weniweni wa chidwi, ananena mu mgwirizano.

Tiyenera kukumbukira kuti mitengo chidwi anapereka mabanki pa madipoziti si mwangozi ndipo sanatenge "kuchokera kudenga." madipoziti anakopeka ndalama kuika mabanki ntchito yogwira (kukongoza, mwachitsanzo) kuti apindule. Choncho, kuchuluka chidwi madipoziti aliyense banki zimadalira mlingo wa profitability a banki pa ntchito yogwira, kuphatikizapo mlingo wa chiwongola dzanja pa ngongole tapatsidwa mwa gombe lino.

Pa nkhani imeneyi, ndi bwino kuganizira ngati akufuna chidwi pa miyala ya 2-3 kapena zambiri kuposa mlingo panopa refinancing. Kodi ntchito banki adzatha kuonetsetsa chobwezera cha ziwawa chidwi, koma akupeza phindu nokha? Pankhaniyi, banki kapena ndi mfundo yayenda (ie alikuponya ndalama zanu ku ntchito yowopsa), kapena mukulimbana ndi mmene chiwembu piramidi.

Kudziwa kuti, malinga ndi lamulo Russian chidwi analandira mwa madipoziti banki munthu, imvera msonkho pa msonkho munthu (DZENJE) mlingo 35%. msonkho Personal ndalama pa madipoziti mlandu ndi mabanki:

• pa madipoziti ruble: ndi kusiyana pakati pa kuchuluka chidwi accrued pansi mgwirizano wa gawo banki ndi kuchuluka chidwi masamu pamaziko a apano mlingo refinancing chinawonjezeka ndi mfundo kuchuluka 5;
• pa madipoziti mu ndalama zakunja ndi kusiyana pakati pa kuchuluka chidwi accrued pansi mgwirizano wa gawo banki ndi kuchuluka chidwi masamu pamaziko a 9% pa annum.