Banking maitiro: mhando vavo unhu

Banking hurongwa vari chinokosha siyana zvoupfumi yokutevedzera. Muchiitiko chino, Misiyano inogona pakati pavo.

rwezvemabhengi hurongwa

Asati achipfuura kuti kudzidza chii vari mhando rwezvemabhengi enyika zvenyika, zvakakodzera kubata zvikuru tsananguro. mazwi aya rinoshandiswa kurondedzera seti vasiri bhangi chikwereti masangano uye pemahombekombe anoshanda mukati chete zviri pamutemo uye zvemari-chikwereti mashandiro.

ino zvinoshanda vose National Bank uye private masangano, kusanganisira chikwereti uye kugarwa siyana nzvimbo. Chinokosha kushanda National Bank ndiko kuita mamiriro mari nomutemo uye achine. Ndiye musimboti munyika chengetedza hurongwa.

Nokuti rwezvemabhengi hurongwa angava akakodzera, uye avo specialized makambani kuti anopa mabasa chikwereti masangano.

maitiro zvinoriumba

Under waiti "The rwezvemabhengi mamiriro - pfungwa, mifananidzo, zvese, nhengo" vanofanira kufunga zvechechi zvinoriumba kuti vanoumba hurongwa.

Unogona kutanga mbiri masangano. Tiri kutaura pamusoro repamutemo, ane chinangwa chikuru ndechokuti kuwana mari kuburikidza kumahombekombe kwema. Kuti aite basa iri kunoda rezinesi, riri nekanzuru nechepakati bhengi. Panyaya iyi, zvose kushanda nemasangano kuitwa zvichinyatso enderana mitemo yenyika.

Kana isu nezvazvo Russia, mitemo Russian vachikubvumira kuzarura chikwereti masangano kushandisa chero muridzi. Zvinogonekawo kuti kuumba shamwari siyana uye mibatanidzwa, zvainanga kudzivirira zvido nhengo dzayo, apo vachisiya parutivi matambudziko chokuita dzokubudisa kwemubairo.

Kuongorora kuti zvinomirira rwezvemabhengi hurongwa, masangano ayo uye nemifananidzo, zvinokosha kutsanangura zvinotevera chinoumba zvechechi ndiro yayo chikamu. Tiri kutaura kubhengi. Ichi izwi zvinokosha kunzwisisa kadhi sangano simba kuitisa zvimwe akavhiyiwa zvemari zvichinyatso enderana mitemo Russian. Zvinotevera rubatsiro uye pezvakaitwa zvinogona kunzi kwacho:

- achizarura kuramba pamahombekombe nhoroondo pamutemo masangano uye vanhu;

- kukwezva deposits mari dzakasiyana-siyana vanhu;

- placement mari izvi panguva yayo mari uye pamusoro wake nokuda ari ezvinhu yokukurumidzira, serviceability, uye recoverability.

Zvakakosha kunzwisisa zvinotevera chokwadi: kana, ichangobva kutaurwa mabasa sangano iri kunyange mumwe kushandiswa, riri kuonekwa munhu asiri kubhengi mamiriro.

A bhangi vatorwa. Izwi iri rinoshandiswa mune dzimwe nyika kuti kuona chikwereti kupfungwa, rave richizivikanwa pamahombekombe pasi mitemo State pawakanga vakanyorwa.

Non-bhangi chikwereti sangano iri chezvibereko hombe hurongwa. Sezvo kwayo hunomusiyanisa nevamwe zvinhu anogona kuona feasibility mamwe rwezvemabhengi kushandiswa, ayo inopiwa mitemo yenyika.

musika womuenzaniso

The mhando dzakasiyana siyana sangano rayo rwezvemabhengi hurongwa. Mumwe nevakawanda mhando - musika. ino ine zvinotevera zvatariswa: hurumende haisi ndiye ari mumunda rwezvemabhengi mabasa aro nezvainoita zvakasiyana nechikwereti mamiriro ndeyevanyori pakagadzwa dzinokosha parameters uye nenheyo kukura.

In womuenzaniso ichi, icho anoshanda ari rwezvemabhengi zvekutepfenyura decentralization. Uyewo kushaikwa ndiye yakawiriranwa mutoro ehurumende hakusi anokonzera zvemari migumisiro masangano-vataurwa pamusoro apa, uye pasiri zvikwereti mamiriro, akavapindurawo, havasi basa akavhiyiwa vakadzinganiswa hurumende.

Uyewo, yakadaro hurongwa, hurumende ine mutoro kuramba hurongwa National upfumi. chokwadi ichi, uyewo vakawanda private anomukweretesa masangano munyika, zvichiita kuti kudiwa paumbwe imwe Central Bank kana sangano kuti achaita mabasa ayo. Chimwe chikuru matambudziko Bank iyi kuongorora zvimwe masangano kuti vanobatanidzwa munyaya chikwereti ukama.

Akakodzera nzeve inotevera chokwadi: mamiriro yapakati Bank zvokuti anokosha kuti voga somunhu yoga pamahombekombe mhando yemari hurongwa kana, zvimwe zvazviri, uroven.Imenno nokuda kwaizvozvi kuti musika hurongwa dzinenge nguva dzose layered.

Accounting zvigoverwe womuenzaniso

Izvi mhando sangano rwezvemabhengi mabasa anonyanya kushandiswa munyika umo democratic kwava vasingadzikurudzire.

Chakadaro hurongwa kunoratidzwa ezvinhu anotambura pakagadzwa rwezvemabhengi masangano uye kushandiswa. Zvinhu zviri muenzaniso ichi zvinosanganisira kugadzwa vakuru vehurumende nemabhengi kutsunga ehurumende anokonzera zvabuda, dzakanga vakawana somugumisiro rwezvemabhengi mabasa.

Somugumisiro, apo muenzaniso wakadaro, kuwanda zvikwereti masangano panzvimbo yakamanikana. Izvi zvinoreva kuti urongwa rwezvemabhengi mabasa kwave vashomanana zvikwereti masangano izvo specialized maererano akasiyana sectors, kana kusaroora kubhengi.

nhanho hurongwa

Uchifunga Mhando pakuvaka rwezvemabhengi yezvinhu, zvinokosha kufunga kuti vamwe vavo Makavakwa panheyo Pakusarudza kuti ukama kuti akaumba pakati akasiyana chikwereti masangano.

Tiri kutaura multi-pamwero uye chete-pamwero rwezvemabhengi enyika.

Single-pamwero womuenzaniso anonyanya kushandiswa munyika pevatongi gadziriro, apo inoshanda ine kubhengi ehurumende anazvo. womuenzaniso kwakadaro ndiko kushanda mune chokutanga pavaipfuura rwezvemabhengi hurongwa.

Kana multi-pamwero gadziriro, izvozvo kunoratidzwa nokuda Kusiyanisa kuti zvikwereti masangano ne zvese. Panyaya iyi, musimboti bhengi anogara munzvimbo yokutanga, zvisinei uwandu dzinounzwa siyana uye zvikwereti nemasangano yose.

The Hurongwa unoshanda Russia

Kana iwe teererai mhando dzose rwezvemabhengi yezvinhu, zvinokwanisika kugumisa kuti Kishi ndiye multilevel muenzaniso. Uyezve, nyika ino ine zvinotevera nemamiriro: asi Bank of Russia, siyana zvikwereti masangano, uyewo mumiririri mahofisi namatavi dzimwe mabhanga.

Asi hakungoitwi yeRussia rwezvemabhengi hurongwa. Types kuti zvinosanganisira, zvinosanganisira chiito pamusoro munharaunda State masangano kushandiswa zvisina kuita rwezvemabhengi kushandiswa. Uyezve, masangano aya pfungwa kuunza basa zvikwereti masangano uye mabhanga.

Yandakapiwa ano rwezvemabhengi mamiriro Russia - ndiyo mhando Gadziriro runoenzanirana musika womuenzaniso, mirayiridzo achiposa mabasa, kushanda pasi payo, une dzakasiyana siyana:

- musimboti pamahombekombe;

- rwezvemabhengi (nemari, chikwereti uye vezvokutengeserana nemabhangi);

- inishuwarenzi kwemauto (mudyandigere mari, asiri rwezvemabhengi nyanzvi chikwereti masangano nemakambani inishuwarenzi).

American uye Japanese yokutevedzera

Kune dzimwe nzvimbo umo rwezvemabhengi hurongwa yave rakatangwa. Types dzavo dzakasiyana chaizvo zvichienderana nharaunda.

Nokuti American womuenzaniso kunoratidzwa zvinofambirana zviito Federal Reserve System, uyewo mari, mari, yezvokutengeserana nemabhengi mari nevanhu forensic.

Dzakasiyana anotarira Japanese rwezvemabhengi hurongwa. Mhando masangano zvemari kushanda munyika inogona kurondedzerwa sezvinotevera: musimboti pamahombekombe, mabha- mari nemabhangi uye zvokutengeserana mabhanga.

mhedziso

With zvose nokuwanda zvichibvira yokutevedzera, nemhaka iyo rwezvemabhengi hurongwa dzinogona kurongwa, mifananidzo, zvichiratidza zvimwe pamwero, zvine musoro kuti uone sei kupfuura mberi.