Credit wokuti ezvokutengeserana mabhanga - hwaro akabudirira basa musika mari.

Credit wokuti ezvokutengeserana pamahombekombe - ichi chinhu womukati gwaro kubva kumahombekombe nako chinorondedzerwa inokosha yokusvika anomukweretesa uye zvinodiwa kuti anokwereta, akapa ano upfumi mamiriro ezvinhu. Credit tichida ezvokutengeserana mabhanga anokwanisa kutaura muuzivi (zvavo kusvika, pfungwa) chikwereti kushanda mabhanga, kuti muve inokosha framework Dunn mabasa. Kugadzirisa nyaya iyi, chero zvokutenga bhengi, kutungamirira mabasa pokreditovaniyu, pane imwe nguva panogumira nyaya zvikwereti.

Policy - Kazhinji anoperekedza chiito ari Credit mubhangi mabasa. The chikwereti wokuti yezvokutengeserana pamahombekombe ane dambudziko kuti, kune rumwe rutivi, kurerutsa yokusafa mabhizimisi ngozi, uye pamusoro mumwe, kuchengetedza widest niche yemakambani vatengi kwemutongo chigadzirwa.

The chikwereti wokuti yezvokutengeserana pamahombekombe anewo huru chinangwa - zvikuru zvinobatsira nzvimbo munataisireva (uyewo Kukwezva deposits uye deposits) mubhangi kuti chikwereti chigadzirwa uye panguva iyoyo akaramba pamwero yepamusoro chikwereti Portfolio kuti mabhanga. On yepamusoro chikwereti Portfolio hunotifambira anonyanya nonoka chikwereti uye mamwe dambudziko zvikwereti. Nonoka - ndiko chikwereti asingagoni kuripira nguva, uye kuitwa kuti mukwereti kuti chikwereti kugadzira. Problem chikwereti ndiko chikwereti kuti ane zvakananga kana zvisina kunanga zviratidzo matambudziko panguva basa chikwereti anokwereta uye nenguva kuzadzika anokwereta wacho mitoro kuti chikwereti mabhanga. Qualitative chikwereti ari yakasimbiswa chikwereti, iyo ukadzimwa mune nenguva netsika pasina kumutsa matambudziko uye matambudziko anokwereta.

Uyezve, mabhengi vanofanira kuita pakati nepakati pakati mari uye ngozi. Zvinonzi akamumutsira uye zvinenge chikwereti gwara nemabhangi vanotsvaka kuderedza ngozi kushoma, kugamuchira panguva kwemari iyi vaifanira kushanda. Zviito pano vakadaro mbiri pangozi ezvokutengeserana bhangi inova minimalnym.Kreditnuyu gwara anotora soro kubhengi utariri (mukuru kana bhodhi iri mubhengi), achishandisa gwaro iri simba akapa mumwe muiti - mushandi kwemutongo dhipatimendi. Sezvingatarisirwa mbiri wokuti ezvokutengeserana mabhanga delineates chisarudzo, simba kuita zvimwe zviito, kushandiswa. Credit wokuti ezvokutengeserana mabhanga kuva zvakakurumbira yokusvika anokweretesa kushandiswa, kunyanya kana paine richikurukura mapazi nekambani chikwereti. Nenzira iyi, nzira yakasimbiswa, tsunga mukuru anomukweretesa wokuti ezvokutengeserana mabhanga 'nemakasitoma, anosarudza kuti mhando mbiri serinokosha simba chero pamwero pamahombekombe nekuda kuitwa neimwe nyaya, uyewo operative mashoko chikwereti maitirwe ezvinhu. Zvinodiwa ichi Mutemo mabhanga chikwereti gwara kuitika musika mamiriro ezvinhu. Kutsigira chikwereti wokuti ezvokutengeserana mabhanga, zvakakodzera kuramba kuongorora uye kuchenesa avo postulates pairi voitakura kunze kana zvakakodzera. Kudzokorora gwara chikwereti sangano, senguva dzose, kanenge kamwe pagore. Upfumi mamiriro ezvinhu, iyo kazhinji zvinochinja, chikwereti mitemo iri akaongororwa kakawanda. Ndiani mumwe kunze mudonzvo zvikwereti, zuva tatarisana zvakasiyana, nyaya kazhinji kujairika pakushandira pamwe nemhosva, ona "mutete" nzvimbo nemaitiro uye anogona kuita musoro panyaya kugadzirisa kuti. Kubhangi anoedza kufunga sezvo pedyo sezvinobvira zviri ano upenyu chikwereti nzira. Tapota ziva kuti chikwereti wokuti nemabhangi haisi zvinopesana nemitemo kushanda wenyika, uyewo zvinonakisa zvoupfumi.