Ndalama msika mwagwirizana ndalama ku Russia

Mmodzi wa mwagwirizana ndalama otetezeka amaonedwa chuma cha ndalama msika (chuma intermediaries), koma izo zidalira pa nyengo ya ndalama. Amene padera ndalama mwa iwo, ndi inshuwaransi tisataye mbali yaikulu ya gawo, koma Komano, depositors revenues ang'onoang'ono kwambiri motero, kuti mu nthawi kufufuma awo amadya. Choncho zidzafunika anthu amene akufuna kupanga ndalama mu pulogalamu yochepa. N'zochititsa intermediaries ndalama loterolo ndi ayankhidwa.

Tanthauzo la mwagwirizana ndalama

Mwagwirizana ndalama - ndi kulowetsedwa ndalama, amene anapanga ndi kaphatikizidwe chuma cha ambiri depositors. Nthawi zambiri, zopereka koyamba ena amene amakhala mu kukula $ 300-500, ndipo pambuyo kutsegula kwa nkhani ya ZOWONJEZERA awa akhoza kukhala mu mawonekedwe a ndalama iliyonse.

Posayang'anira za njira ndalama ndi zolinga ngati thumba kapena ndalama wa omwe adayambitsa gulu kuchita nyumba ziwongola dzanja zaogulitsa, makampani ndalama. Pakuti mayiko anayambitsa awo ndalama mosavuta inasamutsidwa kuchoka ku makampani sheya mu pepala zina popanda komishoni iliyonse.

ndalama nonse amakhazikika mu pakuika zitsulo zolimba, zida ndalama msika, malo. Iwo chipika kumangidwa, equities, ndalama, imayendetsedwa ndi kampani ndalama m'malo mwa gulu ndi ya zothandizira. The chuma ophatikizana wokwatibwa ndi thumba mgwirizano, wotchedwa mbiri. Lililonse gawo la mbiri la - ndi njila ndi Investor katundu mu katundu ndi ndalama za, komanso gawo la ndalama zimene opangidwa kuchokera katundu anthu.

Mfundo ntchito

mwagwirizana ndalama zonse ntchito pafupifupi mfundo zofanana. Iwo anapanga ndi ndalama kampani, amene amagulitsa magawo awo kuti ndalama kenako invests anapeza mu sheya m'chuma. Yonseyi ndalama za depositors mu mbiri, mutu wa kampani angathe kusiyanitsa ndalama zake, kugula m'matangadza ndi zomangira mu thumba.

Mitundu ya zipangizo selectable chimatanthauza cholinga kunyakhe. Mwachitsanzo, ngati cholinga cha kampani ndalama pa magawo - kulengeza likulu akupeza, pamene gawo la mikango ndalama walangizidwa m'matangadza kukula. Ngati cholinga cha thumba ubale ndi malipiro a ndalama coupon kuti si msonkho, ndiye ndalama ali padera mu nsinga oyang'anira tauni. Pa nthawi yomweyo, ndi ndalama kampani popangidwa ndi nsinga iwo apereke kwa zinachitika mbiri osiyana ndi kuchepetsa kufala kwa kusakhulupirika kumangidwa payekha.

Benefiti amalipidwa kuti depositors, amene anapanga kuchokera anapeza wa masheya amene amapanga zambiri za mbiri za. Kasitomala padera $ 1000, kulandira kuchuluka phindu mofanana munthu amene padera $ 100 000. kusiyana adzagona chakuti ndalama za gawo lochititsa chachiwiri nthawi 100 woposa wa choyamba (monga mwa muyeso kuti magawo awo mu thumba).

Pamene pali kusintha mu mtengo wa masheya mu mbiri ya, kusintha mogwirizana ndi ukonde phindu kalembera wa m'khalapakati ndalama. Pa mtengo kusinthasintha bwanji kuopsa chibadidwe ambiri a mitundu sheya: ndale, a zachuma, msika.

mitundu

ndalama mwagwirizana ndi mitundu angapo, ie, depositors kuti aganyali m'ndende, m'matangadza, wosakanizidwa, malonda ndi makampani ndalama mu ndalama msika mwagwirizana ndalama.

Poganizira za mitundu yonse mwatsatanetsatane tikhoza kunena kuti ndi ndalama mgwirizano, amene amagulitsa magawo komanso chimaposa padera mu sheya ndalama msika. Izi makampani ndi enawo anali pa mtengo zonse sheya ake. Nthawi zambiri, mtengo ndi mtengo wake woikidwiratu wa gawo ndi $ 1. Kuti asunge mtengo wokwera pa mlingo chomwecho amalola kuti zomvetsa yochepa kuchokera kugulitsa masheya, ndalama iliyonse ya kampani ndalama otymayutsya ndalama zichokera kwa ndalama. chotsatirachi mosavuta kwambiri kupeza ndalama kuti aganyali anabwereka ndalama mu zida yochepa ndalama msika, monga zida zotero mtengo otsika osakhalitsa.

Ndalama msika mwagwirizana ndalama - ndiyo yopeza mu sheya kuti ndi maturities wa chaka chimodzi. Izi makampani ndi osachepera yowopsa mwa mitundu ina. Nthawi zambiri zimagwirira ntchito m'chuma awo monga pothawirapo mu chisamaliro cha msika katundu, ngakhale izi nthawi zina kupereka mkulu zokolola.

Ubwino kupatula ndalama msika mwagwirizana ndalama

1. Osiyana - ndi kusokonekera kwa chiopsezo mwa zida zingapo ndalama.
2. Professional ndalama kasamalidwe - kutsatira ndalama kampani Ngopambana depositors mu ntchito ndalama.
3. Lonse kusankha. A kusankha lonse la ndalama anapereka chiwerengero ndithu mwagwirizana ndalama (m'matangadza, chuma, ndalama msika).
4. Liquidity - The Investor akhoza nthawi iliyonse kugulitsa magawo awo ndi kubwerera ndalama.
5. Ndalama - ndi Investor amagulidwa ndi okonzeka zopangidwa m'chuma cha intermediaries chuma, osati wake ku masheya a mabungwe payekha.
6. Investor chitetezo ndi ufulu - mwagwirizana ndalama malamulo pa feduro malamulo msinkhu ndi sheya ndi Kusinthana Commission.
7. Mayiko - magawo akhoza kugulitsa kapena kugula mothandizidwa ndi osintha, alangizi a zachuma, mabanki, makampani a inshuwalansi.

kuopsa kupatula mu mwagwirizana ndalama

Mmodzi wa waukulu paima akhoza kusiya likulu padera chifukwa kuchepetsa phindu ukonde kakatundu (NAV pofika). Komanso pali mavuto ena:

• chidwi;
• msika;
• kugwirizana ndi khalidwe la masheya a.

Ndi kuwonjezeka mu chiwongola dzanja msika pali kuchepetsa kuthamanga pa ngongole ndi misika chilungamo, imbaenda ku kuchepa mtengo ukonde kalembera wa msinga ndi ndalama katundu. Kuchepa chiwongola dzanja msika zimakhala zosemphana.

Ubwino wa masheya a anatsimikiza ndi osakhalitsa wa N'zokayikitsa. Depositors zambiri adabvutika insolvency chiopsezo makampani ndalama mangawawo. Mtengo wa katundu ndi chuma chawo mwina kuchepetsedwa, koma Mwina izi ndi zazing'ono. The njira wokhazikitsa minimizes kuopsa kwa bankirapuse ndi chinyengo.

ndalama nonse mu Russia

Chibwenzi sizinathe anamasulira angathe wodzala mwagwirizana ndalama Russian pa zifukwa zotsatirazi:

1. Iwo okha inflow wa yaitali ndalama payekha.
2. Ndalama ku mwagwirizana ndalama za penshoni ndalama latsopano la Russia ndikoletsedwa ndi lamulo.

zifukwa izi kuchepetsa otaya ndalama m'magulu ndalama mgwirizano, kuchuluka kwawo ndi chifukwa recalculation kufunika kwa m'chuma ndi revaluation wa wotuluka kalembera wanu. ndalama nonse mu Russia ang'ono ndipo salola kuzindikira lonse za bizinesi. Miyeso pafupifupi a mabungwe Russian ndalama ali m'munsi kunja.

The OIF "- Ndalama Market ndalama Fund" chitsanzo cha thumba Russian mangawawo. cholinga chake ndi kupeza ndalama pakuika m'ndende yochepa ya issuers Russian ndi mkulu khalidwe ngongole ndi kuwonjezeka mtengo msika ndi kupeza lalikulu ndalama ndi chidwi olandila pa madipoziti yochepa mu yaikulu mabanki Russian malonda.