Yogwira ntchito a mabanki malonda njira zofunika opareshoni

ntchito yogwira mabanki malonda - ndi ntchito yekha ndi anakopeka chuma, kuyendetsedwa ndi banki kuti apindule. Pamene khalidwe yogwira ntchito a mabanki malonda, kanali wa ndalama osiyana omwe zokolola chidwi, benefiti kapena zopeza makampani olowa. ntchito yogwira mabanki malonda ndi mankhwala chuma opareshoni yogwira, chomwe chimatsatira mavuto a zachuma zogwirizana amene anathana ndi mabanki pa nthawi yonse imene ntchito yogwira.

Potsilizira pake, ntchito iliyonse banki ziyenera kuti akwaniritsa ndalama kuphimba ndalama, malipiro a benefiti pa magawo, chidwi pa madipoziti ndi ndalama, ndi kupeza phindu; Iwo anaonetsetsa solvency ya gombe, ndipo limachititsa kuti banki pa nthawi ndi kwathunthu yena obyazatelstvu.Oborotom ake ndi ndalama anapereka liquidity, lomwe ndi losavuta mwamsanga (makamaka popanda imfa) kutembenuza chuma mu ndalama.

Mtengo wapatali kwambiri mu ntchito yogwira mabanki malonda akubwereketsa ntchito. Ngakhale tikukumana ndi mavuto, banki malonda zambiri ntchito yake ndi ntchito cholinga kupeza ndalama. Ndi ntchito imeneyi anafotokoza Trust, chitsimikizo, opareshoni ntchito khadi pulasitiki, ndi zina zotero. Cholinga - kuzamitsa alipo banki malonda yogwira ntchito ndipo muwuzeni atsopano.

Pofuna kuti izi amafuna kusankha ankameteramo ubweya wa ntchito zotsatirazi: Kuulula zomwenso zachuma ntchito yogwira, mitundu yake ndi dongosolo la malonda banki yogwira ntchito; kusonyeza mbali ya ntchito ngongole ndikupeleka mu zamalonda banki ndi ndalama zawo chilengedwe panopa, komanso ntchito yogwira mabanki malonda sheya m'misika katundu.

ntchito yogwira mabanki malonda - ndi banki pa malawi kupezeka ku banki malonda awo kukabwereka ndalama phindu. Akamanena chuma ntchito yogwira mabanki malonda - ndi zotsatirazi ndalama zokhudzana ntchito, zomwe zochimwazo kumathetsa Bank pa kukhazikitsa ntchito yogwira: profitability zimatheka kulipira ndalama zofunika benefiti malipiro magawo, chidwi pa madipoziti ndi ndalama, phindu; anaonetsetsa solvency ya gombe; anapereka liquidity. Quality chuma kudziwa katundu amenewa: profitability, liquidity ndi chiopsezo. malonda chuma banki ndi anakwanitsa mwachindunji ndi banki.

Poganizira zokolola chuma ndi: katundu kuti musati kupanga zipatso - thumba Cash wa nkhokwe lamulo la Bank ku Central, ndalama pa nkhani ya mtolankhani; kubala chuma zokolola - ngongole ntchito, ntchito sheya, ndalama kuchokera yobwereka nyumba ndi liquidity sooruzheniya.Uchityvaya chuma ndi: katundu woyamba kalasi - ndalama mu dzanja, pa nkhani ya mtolankhani, masheya a boma, madzi katundu - yochepa ngongole, interbank ngongole, factoring ntchito, ntchito ndi sheya; zinthu zimenezi ndi nthawi monetization yaitali; illiquid chuma - yaitali ngongole kubwereketsa ntchito; illiquid chuma - zoipa ngongole, pepala kapena insolvent zinatha organizatsii.Riskovannost angathe imfa Mwina pa kutembenuka kwa chuma mu ndalama. Waukulu banki mavuto: ngongole chiopsezo - nevozvrashaetsya yaikulu ndi chidwi, chidwi mlingo chiopsezo - imfa, chifukwa chakuti kuposa chidwi pa likulu ngongole.

Choncho, ntchito iliyonse yogwira mabanki malonda ndi mbali yofunika ya ntchito zawo za tsiku ndi tsiku, kupereka kayendedwe pa ndalama zawo nazo.