Ndalama, Kuyamikira
Usiku - izi ndi ... Cash ngongole
Today ndikofunika kudziwa ndiponso ophunzitsidwa muzochitika zosiyana za moyo. Woyamba milandu nkhawa kwambiri yokhudza banki ndi wotuluka malamulo. Podziwa osachepera ndizosowa malo awa awiri a ntchito, anthu adzatha kulowa mapangano osiyanasiyana ndi ntchito zonse za mabungwe zotheka.
ntchito usiku
chidwi ziperekedwe kwa ntchito usiku. Izi zambiri umakhala kwa tsiku limodzi. Mu nkhani ya kulembetsa Lachisanu, ndiye, pa mapeto a sabata, izo basi anasamukira ku Lolemba. Kodi chikhalidwe cha ntchito iyi ndi chifukwa chake ndi otchuka masiku ano?
Kotero, anapezeka kuti usiku - ndi ntchito limodzi, chomwe mu nthawi yochepa. Fotokozani mmene timachitira zapamwamba. Pa tsiku limene banki makasitomala ayenera kupeza ngongole pa nkhani yake (anasamutsa) ndi kuchuluka kwa ndalama. Choncho, tagwirizana ndi, ndi kwa maola ochepa munthu angathe kugwiritsa ntchito ndalama pa. The peculiarity ntchito tichipeza chakuti ndikubweza ndalama (ngongole) ayenera kukhala tsiku ntchito yotsatira. Musaiwale kuti yaing'ono, koma kwambiri chotero kutumikira kasitomala amalipira chidwi. Iwo anabwerera tsiku lotsatira ndi kuchuluka lonse ngongole ya.
makamaka usiku
Nthawi zambiri, osunga ndalama amati usiku - izi ndi ngongole, koma ndi zolimba deadlines kubwerera. Ndiko kunena kuti, m'kamphindi thandizo ndalama ndi mitengo otsika chidwi. Pamene kasitomala banki anafunika ndalama kwa nthawi yochepa, adzatha mofulumira ngongole usiku ndi kuchotsa izo.
Tikumbukenso kuti, kulemba zambiri, antchito banki amakhazikitsa tsiku alipire, kusuntha kapena kuwonjezera kuti n'zosatheka. Mu nkhani ya kusakhulupirika kuchuluka ngongole ndi chidwi accrued ndalama kuti akhoza kukula tsiku lililonse likadutsa. Kupewa zinthu zimenezi, tikulimbikitsidwa kuti abwerere ndalama pa nthawi. Komanso, mabanki ambiri kongoletsani usiku-gawo. Kwenikweni ake ali motere: ndi ndalama, amakopeka ndi bungwe ndalama tsiku lina malonda. Choncho, ngongole ndi madipoziti usiku ndi makhalidwe ofanana, akuti: linapereka maola 24 ndi kubwerera masana. Nkofunika kudziwa kuti maholide si kuwerengedwa. Choncho, kutenga ngongole kapena kuika chuma Lachisanu, ndi mtendere wa mumtima, mungathere mlungu ndi kubwerera (kudzachitika) iwo Lolemba.
ngongole usiku
Monga tanenera kale, ntchito usiku - kuti ndi nkhani imene anamaliza kwa tsiku limodzi ntchito. N'chimodzimodzinso ndi ngongole zimene ali chikalata ngati tsiku. ngongole limapereka dziko la banki chapakati ndi moyenera, bungwe ndalama amapereka mitengo pa wotuluka usiku. Iwo yopindulitsa kwambiri, monga iwo kupereka uziyenda bwino dongosolo ndi kuthetsa. Izo zikhoza kukhala zosiyana kwambiri, koma kwambiri ngati ndalama zofunika pa nthawiyo, mwachangu kwambiri kwa makasitomala kupindula.
Onani kuti ngongole usiku ali ndi malire, amene mukhale malingana ndi pazipita kuchuluka kwa ngongole pa ngongole zoweta. Cash ndi kunditumiza ku nkhani makasitomala a pasanapite nthawi, ndi kuchotsa iwo sizipanga vuto. Kupeza ngongole pa mapeto a tsiku, makasitomala ayenera kugonjera ndi zikalata zonse zofunikira ndi nkhani (pa mtolankhani ndi ngongole chifukwa).
Mu ntchito lomaliza pa ngongole usiku zatchuka kwambiri. Kuwonjezeka mu liquidity cha ngongole ndi. Chifukwa, ngongole ochiritsira si otchuka monga kale. makasitomala ambiri mu ntchito ya pansi kulingalira kuti anakopeka ziwawa chidwi kwa madipoziti ndi ngongole kwa otsika.
mitengo usiku
Aliyense ngongole ali ndi mlingo chidwi. makasitomala ambiri akutsogozedwa enieni izo, kusankha kuchuluka ngongole. Usiku mlingo - amalipiritsa kwa ngongole yochepa osiyanasiyana. Iwo akhoza kukwera mwachindunji chapakati banki kapena malonda mabungwe a zachuma ndi ngongole. M'pofunika osati ngati malipiro a ntchito, komanso kuti zonse bwino ntchito.
Zambiri usiku
Usiku mChipangano zambiri usiku, chifukwa mwachita masana (ndi issuance a ndalama, ndi kubwerera kwawo). Kuwonjezera pa mlingo amodzi chidwi, kumasulidwa ndi chinthu monga chandamale kuchuluka cha chidwi. mtengo Izi mwachindunji pa interbank msika, membala amphamvu kwambiri, mwachitsanzo, Japan kapena Canada.
Zambiri usiku kumaphatikizapo limodzi tsiku kuphedwa kwa ngongole, amene mChipangano mapangano kuwombola. Monga ulamuliro, ntchito yotere pa interbank msika ndi zikuphatikizapo kugula (zogulitsa) wa masheya a. Koma kasitomala Amabweretsa Pankhaniyi udindo kuwombola patapita nthawi yina pa mtengo mwasankha.
madipoziti usiku
Pofuna kupeza ngongole ndalama, nthawi zina muyenera kusonkhanitsa kwambiri chikalatacho. Koma opareshoni usiku kasitomala Tiyenera ndi afufuze nkhani ndi nkhani zambiri zoyenera kwa tsiku limodzi malonda. Komanso, n'kofunika kuti ndibweze ndalamazo pa nthawi imene mwachindunji, kupereka chidwi, kapena banki mwina zoika chilango chimene ingathe nkhani wosuta mu mtengo aukhondo m'tsogolo.
Palinso ntchito a "chopereka usiku." Izi gawo lopitirira, amene anaika ndalama zambiri. Iwo amaonedwa kwambiri madzi ndi otchuka pakati mabungwe alamulo. chopereka mukhoza kupanga mayuro kapena madola; chidwi accrued kwa chaka, ndi osachepera kuchuluka ndi € 60,000, kapena $ 100 zikwi. Pankhaniyi, kosamalira ndalama basi mlandu pa mapeto a tsiku lililonse, kuchuluka zina pa gawo, ndipo m'mawa akuubwezeretsa ku nkhani kasitomala. Nthawi zina, izi ndi wapadera ndi zofunika opareshoni, popanda imene sizikanatheka kugwira zofunika, chachikulu tagwirizana. Pamene wina zingaoneke analikodi ngongole zimenezi.
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