Financial musika somumwe levers ose zvoupfumi

nyika imwe neimwe ine zvimwe masangano ayo zvemari, izvo zvinogona kusiyana munzira dzakawanda: mhando yebasa, kukura, kuwanda mabasa. Asi panguva imwecheteyo, vose masangano iyi mhando vane zvinoverengeka nevakawanda mashandiro, izvo hakunei kure uye yomunzvimbo ezvinhu: vanogona kuva upfumi uye ounza dzomunyika vokukurukura.

Chikwereti pamusika kana musika zvemari - kubva mashandiro ine mhando kuti inopa reallocation kuti guta pakati anokwereta uye Lenders vachibatsirwa vanozoshanda. musika The zvemari ane sangano chimiro - kutaridza kukweretesa nemasangano kuti uchatamisa kubva anokwereta kusvikira varidzi mari, uye vakutarisire.

Financial musika: mamiriro uye basa

Chikwereti guta - ndiyo hwaro iro hunogara pamisika mari sezvo huru "chigadzirwa" pamusika mari ndivo mari ivo vanotengesa, kutenga uye tora dziri zvikwereti. musika The zvemari rinoumbwa mari musika (izvo zvinozoita rinosanganisira interbank pamusika, Nhoroondo musika uye currency pamusika) uye misika guru (inoitwa kumusika pakati kuchengetedzeka uye kumusika kuti svikiro-rokuti uye kwenguva refu zvikwereti). Mari musika rinomiririrwa pfupi-rokuti chikwereti akavhiyiwa (munenge rimwe gore). Capital Market "vaiita" mumatanda, zvisungo, medium- uye zvikwereti-refu. Credit musika zvokushandisa hurumende, mubhangi ezvokutengeserana kwenguva refu inivhesitimendi kupfuma.

The interbank musika - chinhu chinokosha pamusoro musika chikwereti guru; ari pamusika uyu mari kwenguva vakasununguka wakaiswa pakati pemahombekombe muchimiro interbank deposits kwenguva pfupi. Musi chizvidavirire pakurapa huru pamusika zviridzwa zviri zvikuru Mobile uye mvura - nayo zvikwereti uye zvenguva pfupi munataisireva. misika Currency nevanhu dzakawanda muripo motokari uye zvemari nokubatira vanhu (pamutemo uye panyama) kunyika dzakasiyana.

The chikuru basa musika mari: shanduro simbe kwenguva mari kupinda chikwereti guru. musika Financial, kufanana misika zvose, ane zvimwe mabasa:

- kuunganidza uye kuunganidza kwechinguva vakasununguka mari. musika The zvemari inopa nzira dzakasiyana bhizimisi mari kuti vaunze mari kwenguva yemuraudzo mari anogona mari securities kana kuvhura rubatso nhoroondo mubhengi. Mune ramangwana kurera mari yakakwana kutengesa kuchengetedzeka kana kuti atore akaundi chikwereti.

- kuparadzirwa vakasununguka mari. musika The zvemari anopa kufamba guru pakati maindasitiri akasiyana. The musika inopa guru mari zvakakodzera nguva uye mamiriro. Free mari pamwe yakawanda, zvakakwanira mubhizimisi, uye vari ipapo dzikwanise chikwereti guru.

- redistributive basa. Rekukwazisa vose mari vanounganidzwa uye dzive musika mari huru basa anova basa kuunza kugara kufamba nokuparadzirwa mari.

- kuvandudza kunyatsoshanda hwenyika. Upfumi ishande chete kana kuramba kufamba mari pakati makambani, vanhu, mabhengi, mabhizimisi uye hurumende. Mukuru nomazviri ichi kuramba kuisirwa guru, ndiye musika zvemari.

Kuwedzera reallocation mari pamusika mari pane hazvo redistribution uye njodzi. Somuenzaniso, kana iwe kupa shamwari yako chikwereti, uye iye haazodzoki izvozvo, pangozi default zvichava zvenyu zvachose, uye imi makakohwa kwete chete zvisingabatsiri, asi mari yavo. Asi kana ukaisa mari rubatso nhoroondo mubhengi, uye shamwari yako achatora mubhangi chikwereti, pangozi default riri kuparadzirwa uyewo pamahombekombe. Uye muchawana mimwe mubereko mari kubva placement kwenguva pfupi vakasununguka mari.