Ndi mlingo wa refinancing Kodi

Ngati mukufuna kumvetsa zimene ndi mlingo wa refinancing, ndiye inu mukhoza kumvetsa akamanena za mfundo refinancing. The malamulo a Federation ndi Russian ikuti mawu amenewa ayenera kumvetsa Bank Russia a ku Central akukongoza mabungwe a zachuma. Banki chapakati palokha ndi bungwe zofunika kwambiri ndalama, kuganizira pafupifupi chuma onse chuma cha boma, pamene "mofunitsitsa" ndi tikukongoza kuti aliyense amene akufuna basi, ngati kuti amatanthauza kwambiri kapena zochepa lalikulu mabungwe ngongole za chikhalidwe malonda. Popeza kutaya Bank ku Central anthu ambirimbiri, zilibe apereke ngongole kwa zikwi zingapo. Kuti "mofunitsitsa", tikutanthauza kuti sapereka ndalama ngongole mabungwe chifukwa, zambiri zachitika pa mawu a alipire chilangonso ndi kuchuluka ndi okwanira. The chiwongola dzanja mu nkhani iyi ndi chimodzimodzi kwa mabungwe onse ngongole, amatanthauza ndi mlingo refinancing yaitali. Kodi iwo akufuna kudziwa zambiri amene mwanjira ina amakhudza kukongoza mutu. Nkofunika kuzindikira kuti Bank ku Central amasankhidwa chaka chilichonse mtengo kwenikweni mlingo uwu. Mtengo wa chizindikiro ichi zimasiyanasiyana pa osiyanasiyana mwachilungamo lonse ndipo zimadalira pa kuchuluka ndi zinthu kulemera.

mlingo wa refinancing n'chiyani, ndipo kodi phindu lake

Akukhulupirira kuti mlingo refinancing ndi chizindikiro zofunika za ndondomekoyi ndalama za Bank wa Central. Ndi mlingo chida banki zimasiyanasiyana zokolola sheya, motero pali mtengo olimba ndi malamulo ndi kukula kufufuma. Lamulo kufufuma ikuchitika pa sewero omveka bwino. Taona kale zomwe CBR refinancing mlingo, tsopano tiyeni tikambirane ndondomeko ya zochita zimene zimachitika mu chitsanzo ichi.

Choyamba, Bank ku Central anapanga kutsitsa mtengo refinancing. Pambuyo pake, magombe malonda mwayi kutenga kwambiri "wotchipa" ngongole, izi zimakhudza awo mlingo ngongole, amene amakhala m'munsi. Iwo likukhalira kuti tsopano anthu malamulo ndi chachibadwa kutenga ngongole mabanki malonda ndi mtengo kwambiri. Chifukwa cha "coasting" pa euphoria nzika, iwo ayamba apeze ngongole zambiri, kugula zonse zofunika yekha. Chifukwa ndi kuwonjezeka mu kufunika kwa katundu mu masitolo, nchifukwa chake mitengo kuyambira kukwera, pamene kwambiri mofulumira mlingo wa kufufuma. Izo zonse chimakhala chifukwa mitengo kuchuluka kwa Bank chapakati refinancing. Ngongole ayamba kukwera mtengo, kumene kumakhudza nzika, chifukwa tsopano iwo amachepa okonzeka, kotero kugula kuli. Pano tili mu malingaliro si zapamwamba ndi katundu ogula. Izi kumachepetsa mlingo wa kufufuma. Panthawi imeneyi, pali stagnation m'misika sheya, kugula ndi kugulitsa pawo opanda pake, chifukwa ndalama paliponse kutenga, ndi ngongole ya adzapatsidwe pa amaposa. Chifukwa cha mkhalidwe umenewu, kumakhaladi kuti banki chapakati akuyesera mwanjira kutsitsimutsa msika ndi kutsitsa mtengo refinancing. Kupita angatchedwe wopandamalire, kuyambira m'mbiri nthawi zambiri mabanki taona kudza ndi kugwa kwa chizindikiro ichi. Mukudziwa kale zimene mlingo wa refinancing.

Tiyeni tiyang'ane pa nthawi yomweyo, zomwe Boma la miyoyo yathu amanena. Ngati mitengo chidwi pa miyala ya anthu thupi kuposa mlingo refinancing 5%, ndiye ndalama yoteroyo zedi. Ngati pangano ngongole si chinaneneratu chiwongola dzanja, ndiye anapereka wofanana ndi mlingo refinancing. Ndi maonekedwe izi ndi zofunika kwambiri nthawi zina.

Tidadzatulukira zimene mlingo wa refinancing, ndi cholinga chake. Zikuonekeratu kuti zachuma chizindikiro chofunika chimene chimakhudza miyoyo ya nzika iliyonse.